Jacksonville USDA Loan Rates, Closing Costs & Stats
JACKSONVILLE, NC
USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.
Jacksonville's 14 lenders originated 18 USDA loans during 2024. The total origination value was $4,340,000, with an average USDA loan value of $241,111.
Jacksonville USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Jacksonville
averaged
6.17%
for the week of 2025-04-04, compared to the national average (all USDA variants) of
6.324% for the same period.
Jacksonville's average USDA mortgage closing costs are $5,070.
The average rate for the prior week (2025-03-28) was
6.24% and
one month ago for the week of 2025-02-28, the
average rate was 6.19%.
The average rate one year ago was 6.34%.
For refis of the same type during the week of 2025-04-04, the average rate
was 5.42%.
Jacksonville USDA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Jacksonville level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| NEWREZ LLC | 3 | 6.00% | $6,025 |
| GUILD MORTGAGE COMPANY | 3 | 6.46% | $6,290 |
| Century Mortgage Company DBA Century Lending Company | 1 | 7.63% | $5,132 |
| CMG MORTGAGE, INC. | 1 | 6.50% | $8,723 |
| COMPASS MORTGAGE, INC. | 1 | 6.63% | $6,124 |
| CORNERSTONE HOME LENDING, INC. | 1 | 7.12% | $6,633 |
| CROSSCOUNTRY MORTGAGE, LLC | 1 | 5.63% | $4,310 |
| DHI MORTGAGE COMPANY, LTD. | 1 | 4.99% | $5,262 |
| Integrity Home Mortgage Corp | 1 | 6.63% | $9,275 |
| PLAZA HOME MORTGAGE, INC. | 1 | 6.63% | $6,856 |
| Presidential Bank, FSB | 1 | 5.88% | $11,142 |
| American Security Mortgage Corp. | 1 | 5.99% | $8,949 |
| SeaTrust Mortgage Company | 1 | 7.25% | $7,520 |
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 1 | 7.25% | $6,813 |
The top Jacksonville USDA lender as defined by loan originations is NEWREZ LLC, with
3 USDA loans originated. Their average total fees are
$6,025, which is $265
lower than the next largest lender,
GUILD MORTGAGE COMPANY.
The lowest fee Jacksonville USDA lenders (with over 10 loans originated) are
.
The lowest rate Jacksonville USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Jacksonville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
|---|---|---|---|---|
| 2018-01-01 | $187,725 (16.9%) | $229,219 (18.8%) | 0.70 | 1,284 |
| 2018-02-01 | $186,950 (12.3%) | $223,048 (12.2%) | 0.68 | 1,332 |
| 2018-03-01 | $188,450 (11.2%) | $227,270 (12.2%) | 0.66 | 1,399 |
| 2018-04-01 | $189,950 (11.7%) | $232,836 (12.6%) | 0.64 | 1,374 |
| 2018-05-01 | $194,598 (14.3%) | $235,631 (14.6%) | 0.65 | 1,390 |
| 2018-06-01 | $194,900 (11.8%) | $237,359 (11.2%) | 0.65 | 1,381 |
| 2018-07-01 | $192,000 (9.0%) | $238,375 (8.0%) | 0.64 | 1,408 |
| 2018-08-01 | $194,950 (8.3%) | $239,297 (7.1%) | 0.65 | 1,390 |
| 2018-09-01 | $194,500 (6.9%) | $237,959 (5.7%) | 0.65 | 1,370 |
| 2018-10-01 | $195,945 (6.5%) | $241,120 (7.5%) | 0.66 | 1,037 |
| 2018-11-01 | $199,600 (7.2%) | $243,806 (7.8%) | 0.68 | 947 |
| 2018-12-01 | $201,000 (7.5%) | $245,838 (7.7%) | 0.69 | 863 |
| 2019-01-01 | $207,450 (10.5%) | $253,288 (10.5%) | 0.72 | 778 |
| 2019-02-01 | $211,750 (13.3%) | $261,489 (17.2%) | 0.72 | 745 |
| 2019-03-01 | $213,543 (13.3%) | $267,425 (17.7%) | 0.70 | 729 |
| 2019-04-01 | $211,793 (11.5%) | $260,898 (12.1%) | 0.67 | 812 |
| 2019-05-01 | $211,300 (8.6%) | $267,126 (13.4%) | 0.66 | 1,010 |
| 2019-06-01 | $210,000 (7.8%) | $260,579 (9.8%) | 0.66 | 1,137 |
| 2019-07-01 | $210,975 (9.9%) | $261,799 (9.8%) | 0.66 | 1,215 |
| 2019-08-01 | $209,418 (7.4%) | $258,741 (8.1%) | 0.66 | 1,297 |
| 2019-09-01 | $208,620 (7.3%) | $256,979 (8.0%) | 0.67 | 1,333 |
| 2019-10-01 | $208,089 (6.2%) | $255,805 (6.1%) | 0.67 | 1,362 |
| 2019-11-01 | $206,000 (3.2%) | $254,844 (4.5%) | 0.68 | 1,375 |
| 2019-12-01 | $208,325 (3.6%) | $258,173 (5.0%) | 0.69 | 1,285 |
| 2020-01-01 | $209,900 (1.2%) | $257,300 (1.6%) | 0.70 | 1,208 |
| 2020-02-01 | $209,900 (-0.9%) | $257,104 (-1.7%) | 0.69 | 1,175 |
| 2020-03-01 | $213,700 (0.1%) | $263,104 (-1.6%) | 0.67 | 1,159 |
| 2020-04-01 | $215,338 (1.7%) | $265,676 (1.8%) | 0.67 | 1,113 |
| 2020-05-01 | $219,900 (4.1%) | $274,558 (2.8%) | 0.67 | 938 |
| 2020-06-01 | $221,000 (5.2%) | $275,100 (5.6%) | 0.65 | 812 |
| 2020-07-01 | $220,373 (4.5%) | $275,281 (5.2%) | 0.64 | 745 |
| 2020-08-01 | $221,000 (5.5%) | $281,540 (8.8%) | 0.63 | 645 |
| 2020-09-01 | $226,775 (8.7%) | $282,734 (10.0%) | 0.65 | 576 |
| 2020-10-01 | $225,000 (8.1%) | $287,533 (12.4%) | 0.64 | 554 |
| 2020-11-01 | $226,975 (10.2%) | $295,824 (16.1%) | 0.66 | 520 |
| 2020-12-01 | $226,250 (8.6%) | $302,548 (17.2%) | 0.67 | 427 |
| 2021-01-01 | $230,650 (9.9%) | $313,897 (22.0%) | 0.69 | 367 |
| 2021-02-01 | $222,675 (6.1%) | $312,981 (21.7%) | 0.65 | 301 |
| 2021-03-01 | $222,125 (3.9%) | $308,699 (17.3%) | 0.63 | 300 |
| 2021-04-01 | $222,475 (3.3%) | $314,009 (18.2%) | 0.60 | 286 |
| 2021-05-01 | $225,000 (2.3%) | $318,496 (16.0%) | 0.60 | 305 |
| 2021-06-01 | $228,700 (3.5%) | $331,988 (20.7%) | 0.60 | 323 |
| 2021-07-01 | $230,000 (4.4%) | $338,706 (23.0%) | 0.61 | 331 |
| 2021-08-01 | $229,750 (4.0%) | $340,964 (21.1%) | 0.61 | 340 |
| 2021-09-01 | $237,450 (4.7%) | $338,647 (19.8%) | 0.63 | 325 |
| 2021-10-01 | $230,000 (2.2%) | $334,668 (16.4%) | 0.61 | 347 |
| 2021-11-01 | $253,450 (11.7%) | $353,331 (19.4%) | 0.68 | 349 |
| 2021-12-01 | $260,400 (15.1%) | $364,867 (20.6%) | 0.71 | 343 |
| 2022-01-01 | $272,750 (18.3%) | $384,040 (22.4%) | 0.74 | 268 |
| 2022-02-01 | $266,500 (19.7%) | $372,904 (19.2%) | 0.69 | 227 |
| 2022-03-01 | $260,500 (17.3%) | $365,711 (18.5%) | 0.65 | 232 |
| 2022-04-01 | $275,000 (23.6%) | $390,160 (24.3%) | 0.66 | 258 |
| 2022-05-01 | $299,945 (33.3%) | $406,209 (27.5%) | 0.69 | 336 |
| 2022-06-01 | $300,900 (31.6%) | $415,624 (25.2%) | 0.67 | 379 |
| 2022-07-01 | $314,950 (36.9%) | $424,370 (25.3%) | 0.71 | 468 |
| 2022-08-01 | $329,925 (43.6%) | $427,827 (25.5%) | 0.76 | 500 |
| 2022-09-01 | $322,000 (35.6%) | $413,626 (22.1%) | 0.75 | 500 |
| 2022-10-01 | $325,000 (41.3%) | $407,079 (21.6%) | 0.76 | 553 |
| 2022-11-01 | $329,172 (29.9%) | $408,451 (15.6%) | 0.79 | 619 |
| 2022-12-01 | $329,900 (26.7%) | $411,198 (12.7%) | 0.81 | 602 |
| 2023-01-01 | $330,000 (21.0%) | $407,112 (6.0%) | 0.82 | 587 |
| 2023-02-01 | $330,225 (23.9%) | $398,088 (6.8%) | 0.80 | 556 |
| 2023-03-01 | $335,450 (28.8%) | $411,658 (12.6%) | 0.79 | 511 |
| 2023-04-01 | $343,450 (24.9%) | $416,649 (6.8%) | 0.80 | 494 |
| 2023-05-01 | $349,000 (16.4%) | $431,627 (6.3%) | 0.79 | 548 |
| 2023-06-01 | $347,450 (15.5%) | $437,037 (5.2%) | 0.78 | 549 |
| 2023-07-01 | $340,000 (8.0%) | $423,012 (-0.3%) | 0.77 | 574 |
| 2023-08-01 | $334,475 (1.4%) | $418,846 (-2.1%) | 0.77 | 590 |
| 2023-09-01 | $329,000 (2.2%) | $414,691 (0.3%) | 0.77 | 672 |
| 2023-10-01 | $324,975 (0.0%) | $395,861 (-2.8%) | 0.76 | 736 |
| 2023-11-01 | $325,000 (-1.3%) | $397,621 (-2.7%) | 0.77 | 812 |
| 2023-12-01 | $325,000 (-1.5%) | $404,148 (-1.7%) | 0.79 | 836 |
| 2024-01-01 | $324,450 (-1.7%) | $400,477 (-1.6%) | 0.79 | 781 |
| 2024-02-01 | $329,893 (-0.1%) | $409,813 (3.0%) | 0.79 | 767 |
| 2024-03-01 | $330,000 (-1.6%) | $413,280 (0.4%) | 0.78 | 763 |
| 2024-04-01 | $340,575 (-0.8%) | $448,616 (7.7%) | 0.79 | 776 |
| 2024-05-01 | $344,900 (-1.2%) | $459,378 (6.4%) | 0.78 | 855 |
| 2024-06-01 | $344,900 (-0.7%) | $465,077 (6.4%) | 0.78 | 836 |
| 2024-07-01 | $344,975 (1.5%) | $463,354 (9.5%) | 0.79 | 868 |
| 2024-08-01 | $340,500 (1.8%) | $455,981 (8.9%) | 0.79 | 908 |
| 2024-09-01 | $335,000 (1.8%) | $431,670 (4.1%) | 0.79 | 957 |
| 2024-10-01 | $334,900 (3.1%) | $427,155 (7.9%) | 0.79 | 965 |
| 2024-11-01 | $336,000 (3.4%) | $419,353 (5.5%) | 0.81 | 975 |
| 2024-12-01 | $339,850 (4.6%) | $420,586 (4.1%) | 0.84 | 953 |
| 2025-01-01 | $337,725 (4.1%) | $420,866 (5.1%) | 0.84 | 925 |
| 2025-02-01 | $341,975 (3.7%) | $429,652 (4.8%) | 0.83 | 905 |
| 2025-03-01 | $349,200 (5.8%) | $447,448 (8.3%) | 0.00 | 887 |
Jacksonville's median listing price comes in at 0% of the national average.
Jacksonville's average listing price for 2025-03-01 was $447,448, a difference of $34,168 (8.3%) versus the prior year and $17,796 versus the prior month.
For the 2025-03-01 period, Jacksonville had 887 MLS listings, a difference of -18 listings (-2%) versus the prior month and 124 listings (16%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Jacksonville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 97 days | 1,754 sqft |
| 2018-02-01 | 87 days | 1,748 sqft |
| 2018-03-01 | 63 days | 1,753 sqft |
| 2018-04-01 | 63 days | 1,756 sqft |
| 2018-05-01 | 62 days | 1,760 sqft |
| 2018-06-01 | 65 days | 1,760 sqft |
| 2018-07-01 | 66 days | 1,764 sqft |
| 2018-08-01 | 68 days | 1,786 sqft |
| 2018-09-01 | 81 days | 1,779 sqft |
| 2018-10-01 | 101 days | 1,781 sqft |
| 2018-11-01 | 102 days | 1,783 sqft |
| 2018-12-01 | 108 days | 1,780 sqft |
| 2019-01-01 | 90 days | 1,813 sqft |
| 2019-02-01 | 74 days | 1,862 sqft |
| 2019-03-01 | 52 days | 1,883 sqft |
| 2019-04-01 | 37 days | 1,870 sqft |
| 2019-05-01 | 37 days | 1,844 sqft |
| 2019-06-01 | 50 days | 1,821 sqft |
| 2019-07-01 | 55 days | 1,810 sqft |
| 2019-08-01 | 59 days | 1,792 sqft |
| 2019-09-01 | 66 days | 1,777 sqft |
| 2019-10-01 | 74 days | 1,761 sqft |
| 2019-11-01 | 73 days | 1,760 sqft |
| 2019-12-01 | 83 days | 1,770 sqft |
| 2020-01-01 | 94 days | 1,760 sqft |
| 2020-02-01 | 89 days | 1,730 sqft |
| 2020-03-01 | 68 days | 1,710 sqft |
| 2020-04-01 | 70 days | 1,736 sqft |
| 2020-05-01 | 74 days | 1,774 sqft |
| 2020-06-01 | 69 days | 1,798 sqft |
| 2020-07-01 | 57 days | 1,802 sqft |
| 2020-08-01 | 57 days | 1,789 sqft |
| 2020-09-01 | 64 days | 1,782 sqft |
| 2020-10-01 | 59 days | 1,796 sqft |
| 2020-11-01 | 68 days | 1,788 sqft |
| 2020-12-01 | 68 days | 1,758 sqft |
| 2021-01-01 | 59 days | 1,807 sqft |
| 2021-02-01 | 49 days | 1,720 sqft |
| 2021-03-01 | 40 days | 1,683 sqft |
| 2021-04-01 | 39 days | 1,705 sqft |
| 2021-05-01 | 38 days | 1,676 sqft |
| 2021-06-01 | 40 days | 1,678 sqft |
| 2021-07-01 | 40 days | 1,647 sqft |
| 2021-08-01 | 42 days | 1,619 sqft |
| 2021-09-01 | 40 days | 1,654 sqft |
| 2021-10-01 | 39 days | 1,592 sqft |
| 2021-11-01 | 38 days | 1,706 sqft |
| 2021-12-01 | 51 days | 1,721 sqft |
| 2022-01-01 | 60 days | 1,717 sqft |
| 2022-02-01 | 42 days | 1,679 sqft |
| 2022-03-01 | 34 days | 1,586 sqft |
| 2022-04-01 | 34 days | 1,651 sqft |
| 2022-05-01 | 32 days | 1,740 sqft |
| 2022-06-01 | 36 days | 1,735 sqft |
| 2022-07-01 | 38 days | 1,860 sqft |
| 2022-08-01 | 43 days | 1,863 sqft |
| 2022-09-01 | 49 days | 1,827 sqft |
| 2022-10-01 | 48 days | 1,865 sqft |
| 2022-11-01 | 48 days | 1,898 sqft |
| 2022-12-01 | 59 days | 1,904 sqft |
| 2023-01-01 | 71 days | 1,910 sqft |
| 2023-02-01 | 51 days | 1,899 sqft |
| 2023-03-01 | 45 days | 1,900 sqft |
| 2023-04-01 | 45 days | 1,941 sqft |
| 2023-05-01 | 38 days | 1,964 sqft |
| 2023-06-01 | 42 days | 1,925 sqft |
| 2023-07-01 | 44 days | 1,874 sqft |
| 2023-08-01 | 44 days | 1,832 sqft |
| 2023-09-01 | 47 days | 1,823 sqft |
| 2023-10-01 | 47 days | 1,800 sqft |
| 2023-11-01 | 49 days | 1,788 sqft |
| 2023-12-01 | 62 days | 1,800 sqft |
| 2024-01-01 | 73 days | 1,801 sqft |
| 2024-02-01 | 66 days | 1,794 sqft |
| 2024-03-01 | 52 days | 1,800 sqft |
| 2024-04-01 | 50 days | 1,809 sqft |
| 2024-05-01 | 43 days | 1,830 sqft |
| 2024-06-01 | 52 days | 1,830 sqft |
| 2024-07-01 | 59 days | 1,834 sqft |
| 2024-08-01 | 58 days | 1,802 sqft |
| 2024-09-01 | 58 days | 1,795 sqft |
| 2024-10-01 | 58 days | 1,764 sqft |
| 2024-11-01 | 65 days | 1,763 sqft |
| 2024-12-01 | 76 days | 1,794 sqft |
| 2025-01-01 | 80 days | 1,781 sqft |
| 2025-02-01 | 69 days | 1,786 sqft |
| 2025-03-01 | 0 days | 1,796 sqft |
Jacksonville's median square footage for active listings during the 2025-03-01 period was 1,796 sqft. One year prior, the average listing was 1,800 sqft.