Jacksonville USDA Loan Rates, Closing Costs & Stats

JACKSONVILLE, NC

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    • 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.