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 13 lenders originated 30 USDA loans during 2023. The total origination value was $6,920,000, with an average USDA loan value of $230,667.

Jacksonville USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Jacksonville averaged 6.19% for the week of 2025-03-14, compared to the national average (all USDA variants) of 6.402% for the same period.

Jacksonville's average USDA mortgage closing costs are $5,027.

The average rate for the prior week (2025-03-07) was 6.17% and one month ago for the week of 2025-02-07, the average rate was 6.28%.

The average rate one year ago was 6.58%.

For refis of the same type during the week of 2025-03-14, the average rate was 6.19%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
MOVEMENT MORTGAGE, LLC 8 6.59% $8,305
PLAZA HOME MORTGAGE, INC. 4 6.28% $5,652
UNITED WHOLESALE MORTGAGE, LLC 3 6.38% $9,892
NEWREZ LLC 3 6.63% $5,683
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 3 6.71% $7,859
CMG MORTGAGE, INC. 2 5.94% $10,661
Truist 1 5.50% $6,232
North State Bank 1 6.50% $7,255
Atlantic Coast Mortgage, LLC 1 6.88% $6,588
SeaTrust Mortgage Company 1 6.00% $8,459
CROSSCOUNTRY MORTGAGE, LLC 1 6.00% $11,546
GUARANTEED RATE, INC. 1 5.75% $11,691
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.25% $2,480

The top Jacksonville USDA lender as defined by loan originations is MOVEMENT MORTGAGE, LLC, with 8 USDA loans originated. Their average total fees are $8,305, which is $2,654 higher than the next largest lender, PLAZA HOME MORTGAGE, INC..

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
Jacksonville's median listing price for 2025-02-01 was $341,975, a difference of $12,082 (3.7%) versus the prior year and $4,250 versus the prior month.

Jacksonville's median listing price comes in at 83% of the national average.

Jacksonville's average listing price for 2025-02-01 was $429,652, a difference of $19,839 (4.8%) versus the prior year and $8,786 versus the prior month.

For the 2025-02-01 period, Jacksonville had 905 MLS listings, a difference of -20 listings (-2%) versus the prior month and 138 listings (18%) 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
Jacksonville's median listing age (time on market) for 2025-02-01 was 69 days. This is 5% longer than the same period one year ago.

Jacksonville's median square footage for active listings during the 2025-02-01 period was 1,786 sqft. One year prior, the average listing was 1,794 sqft.