Jamestown USDA Loan Rates, Closing Costs & Stats
Jamestown-Dunkirk-Fredonia, NY
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.
Jamestown's 2 lenders originated 2 USDA loans during 2023. The total origination value was $250,000, with an average USDA loan value of $125,000.
Jamestown USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Jamestown
averaged
6.42%
for the week of 2024-12-13, compared to the national average (all USDA variants) of
6.303% for the same period.
Jamestown's average USDA mortgage closing costs are $3,833.
The average rate for the prior week (2024-12-06) was
6.26% and
one month ago for the week of 2024-11-08, the
average rate was 6.37%.
The average rate one year ago was 6.94%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.1%.
Jamestown 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 Jamestown level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| Bank of England | 1 | 7.25% | $5,209 |
| CROSSCOUNTRY MORTGAGE, LLC | 1 | 6.50% | $6,682 |
The top Jamestown USDA lender as defined by loan originations is Bank of England, with
1 USDA loans originated. Their average total fees are
$5,209, which is $1,473
lower than the next largest lender,
CROSSCOUNTRY MORTGAGE, LLC.
The lowest fee Jamestown USDA lenders (with over 10 loans originated) are
.
The lowest rate Jamestown USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Jamestown (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 | $119,150 (13.6%) | $189,209 (8.2%) | 0.00 | 573 |
| 2018-02-01 | $115,475 (5.9%) | $196,736 (10.1%) | 0.00 | 588 |
| 2018-03-01 | $125,000 (9.8%) | $211,385 (15.7%) | 0.00 | 563 |
| 2018-04-01 | $129,900 (13.0%) | $216,001 (13.4%) | 0.00 | 574 |
| 2018-05-01 | $140,562 (20.9%) | $222,293 (17.0%) | 0.00 | 595 |
| 2018-06-01 | $145,000 (21.4%) | $224,265 (18.2%) | 0.00 | 673 |
| 2018-07-01 | $149,900 (25.0%) | $232,291 (23.9%) | 0.00 | 691 |
| 2018-08-01 | $149,900 (20.9%) | $227,471 (22.2%) | 0.00 | 697 |
| 2018-09-01 | $139,900 (16.7%) | $222,146 (22.8%) | 0.00 | 726 |
| 2018-10-01 | $142,400 (18.7%) | $220,608 (21.1%) | 0.00 | 689 |
| 2018-11-01 | $139,800 (16.5%) | $220,507 (17.3%) | 0.00 | 634 |
| 2018-12-01 | $139,900 (16.6%) | $223,071 (17.7%) | 0.00 | 562 |
| 2019-01-01 | $139,900 (17.4%) | $218,583 (15.5%) | 0.00 | 517 |
| 2019-02-01 | $142,400 (23.3%) | $218,528 (11.1%) | 0.00 | 501 |
| 2019-03-01 | $153,643 (22.9%) | $230,454 (9.0%) | 0.00 | 512 |
| 2019-04-01 | $159,900 (23.1%) | $240,594 (11.4%) | 0.00 | 508 |
| 2019-05-01 | $159,450 (13.4%) | $241,265 (8.5%) | 0.00 | 535 |
| 2019-06-01 | $164,900 (13.7%) | $236,885 (5.6%) | 0.00 | 572 |
| 2019-07-01 | $159,900 (6.7%) | $238,475 (2.7%) | 0.00 | 632 |
| 2019-08-01 | $154,882 (3.3%) | $232,265 (2.1%) | 0.00 | 619 |
| 2019-09-01 | $152,080 (8.7%) | $230,109 (3.6%) | 0.00 | 597 |
| 2019-10-01 | $149,700 (5.1%) | $226,977 (2.9%) | 0.00 | 581 |
| 2019-11-01 | $139,900 (0.1%) | $220,916 (0.2%) | 0.00 | 557 |
| 2019-12-01 | $148,125 (5.9%) | $225,336 (1.0%) | 0.00 | 520 |
| 2020-01-01 | $149,675 (7.0%) | $228,378 (4.5%) | 0.00 | 464 |
| 2020-02-01 | $148,750 (4.5%) | $229,838 (5.2%) | 0.00 | 442 |
| 2020-03-01 | $148,388 (-3.4%) | $233,340 (1.3%) | 0.00 | 437 |
| 2020-04-01 | $154,413 (-3.4%) | $242,180 (0.7%) | 0.00 | 413 |
| 2020-05-01 | $169,900 (6.6%) | $262,353 (8.7%) | 0.00 | 382 |
| 2020-06-01 | $173,975 (5.5%) | $260,424 (9.9%) | 0.00 | 392 |
| 2020-07-01 | $179,000 (11.9%) | $263,777 (10.6%) | 0.00 | 358 |
| 2020-08-01 | $179,900 (16.2%) | $260,609 (12.2%) | 0.00 | 280 |
| 2020-09-01 | $169,900 (11.7%) | $241,298 (4.9%) | 0.00 | 271 |
| 2020-10-01 | $159,750 (6.7%) | $235,252 (3.7%) | 0.00 | 290 |
| 2020-11-01 | $149,900 (7.2%) | $224,008 (1.4%) | 0.00 | 272 |
| 2020-12-01 | $149,900 (1.2%) | $222,723 (-1.2%) | 0.00 | 255 |
| 2021-01-01 | $149,901 (0.2%) | $227,710 (-0.3%) | 0.00 | 242 |
| 2021-02-01 | $159,675 (7.3%) | $235,077 (2.3%) | 0.00 | 206 |
| 2021-03-01 | $157,925 (6.4%) | $223,028 (-4.4%) | 0.00 | 192 |
| 2021-04-01 | $178,850 (15.8%) | $237,758 (-1.8%) | 0.00 | 179 |
| 2021-05-01 | $175,950 (3.6%) | $240,553 (-8.3%) | 0.00 | 184 |
| 2021-06-01 | $169,075 (-2.8%) | $247,930 (-4.8%) | 0.00 | 220 |
| 2021-07-01 | $179,000 (0.0%) | $260,965 (-1.1%) | 0.00 | 221 |
| 2021-08-01 | $198,600 (10.4%) | $275,551 (5.7%) | 0.00 | 226 |
| 2021-09-01 | $171,975 (1.2%) | $236,481 (-2.0%) | 0.00 | 213 |
| 2021-10-01 | $150,000 (-6.1%) | $214,676 (-8.8%) | 0.00 | 214 |
| 2021-11-01 | $159,450 (6.4%) | $209,856 (-6.3%) | 0.00 | 204 |
| 2021-12-01 | $149,700 (-0.1%) | $196,506 (-11.8%) | 0.00 | 183 |
| 2022-01-01 | $157,450 (5.0%) | $218,237 (-4.2%) | 0.00 | 136 |
| 2022-02-01 | $158,675 (-0.6%) | $245,827 (4.6%) | 0.00 | 111 |
| 2022-03-01 | $149,925 (-5.1%) | $249,929 (12.1%) | 0.00 | 106 |
| 2022-04-01 | $150,000 (-16.1%) | $262,730 (10.5%) | 0.00 | 113 |
| 2022-05-01 | $153,450 (-12.8%) | $274,458 (14.1%) | 0.00 | 145 |
| 2022-06-01 | $167,950 (-0.7%) | $287,040 (15.8%) | 0.00 | 179 |
| 2022-07-01 | $168,900 (-5.6%) | $325,455 (24.7%) | 0.00 | 207 |
| 2022-08-01 | $159,900 (-19.5%) | $290,141 (5.3%) | 0.00 | 249 |
| 2022-09-01 | $149,950 (-12.8%) | $274,547 (16.1%) | 0.00 | 244 |
| 2022-10-01 | $159,900 (6.6%) | $279,583 (30.2%) | 0.00 | 220 |
| 2022-11-01 | $149,950 (-6.0%) | $261,807 (24.8%) | 0.00 | 203 |
| 2022-12-01 | $149,900 (0.1%) | $300,500 (52.9%) | 0.00 | 181 |
| 2023-01-01 | $132,450 (-15.9%) | $232,325 (6.5%) | 0.00 | 171 |
| 2023-02-01 | $149,900 (-5.5%) | $245,671 (-0.1%) | 0.00 | 157 |
| 2023-03-01 | $161,150 (7.5%) | $256,056 (2.5%) | 0.00 | 154 |
| 2023-04-01 | $175,000 (16.7%) | $249,325 (-5.1%) | 0.00 | 149 |
| 2023-05-01 | $185,675 (21.0%) | $301,277 (9.8%) | 0.00 | 166 |
| 2023-06-01 | $189,000 (12.5%) | $325,772 (13.5%) | 0.00 | 178 |
| 2023-07-01 | $199,900 (18.4%) | $342,748 (5.3%) | 0.00 | 189 |
| 2023-08-01 | $179,250 (12.1%) | $311,348 (7.3%) | 0.00 | 207 |
| 2023-09-01 | $170,000 (13.4%) | $357,833 (30.3%) | 0.00 | 191 |
| 2023-10-01 | $169,500 (6.0%) | $345,496 (23.6%) | 0.00 | 193 |
| 2023-11-01 | $166,950 (11.3%) | $345,857 (32.1%) | 0.00 | 190 |
| 2023-12-01 | $168,675 (12.5%) | $333,592 (11.0%) | 0.00 | 171 |
| 2024-01-01 | $179,225 (35.3%) | $325,760 (40.2%) | 0.00 | 164 |
| 2024-02-01 | $169,900 (13.3%) | $321,025 (30.7%) | 0.00 | 173 |
| 2024-03-01 | $177,400 (10.1%) | $336,250 (31.3%) | 0.00 | 151 |
| 2024-04-01 | $205,000 (17.1%) | $368,139 (47.7%) | 0.00 | 156 |
| 2024-05-01 | $236,075 (27.1%) | $406,214 (34.8%) | 0.00 | 185 |
| 2024-06-01 | $239,500 (26.7%) | $408,174 (25.3%) | 0.00 | 204 |
| 2024-07-01 | $249,950 (25.0%) | $395,086 (15.3%) | 0.00 | 241 |
| 2024-08-01 | $249,900 (39.4%) | $386,194 (24.0%) | 0.00 | 257 |
| 2024-09-01 | $236,875 (39.3%) | $380,717 (6.4%) | 0.00 | 279 |
| 2024-10-01 | $232,400 (37.1%) | $370,634 (7.3%) | 0.00 | 275 |
| 2024-11-01 | $219,900 (31.7%) | $348,694 (0.8%) | 0.00 | 268 |
Jamestown's median listing price comes in at 0% of the national average.
Jamestown's average listing price for 2024-11-01 was $348,694, a difference of $2,837 (0.8%) versus the prior year and $-21,940 versus the prior month.
For the 2024-11-01 period, Jamestown had 268 MLS listings, a difference of -7 listings (-3%) versus the prior month and 78 listings (41%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Jamestown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,535 sqft |
| 2018-02-01 | 0 days | 1,566 sqft |
| 2018-03-01 | 0 days | 1,576 sqft |
| 2018-04-01 | 0 days | 1,576 sqft |
| 2018-05-01 | 0 days | 1,595 sqft |
| 2018-06-01 | 0 days | 1,600 sqft |
| 2018-07-01 | 0 days | 1,602 sqft |
| 2018-08-01 | 0 days | 1,608 sqft |
| 2018-09-01 | 0 days | 1,612 sqft |
| 2018-10-01 | 0 days | 1,604 sqft |
| 2018-11-01 | 0 days | 1,590 sqft |
| 2018-12-01 | 0 days | 1,612 sqft |
| 2019-01-01 | 0 days | 1,623 sqft |
| 2019-02-01 | 0 days | 1,612 sqft |
| 2019-03-01 | 0 days | 1,640 sqft |
| 2019-04-01 | 0 days | 1,653 sqft |
| 2019-05-01 | 0 days | 1,637 sqft |
| 2019-06-01 | 0 days | 1,600 sqft |
| 2019-07-01 | 0 days | 1,625 sqft |
| 2019-08-01 | 0 days | 1,631 sqft |
| 2019-09-01 | 0 days | 1,647 sqft |
| 2019-10-01 | 0 days | 1,667 sqft |
| 2019-11-01 | 0 days | 1,685 sqft |
| 2019-12-01 | 0 days | 1,704 sqft |
| 2020-01-01 | 0 days | 1,704 sqft |
| 2020-02-01 | 0 days | 1,692 sqft |
| 2020-03-01 | 0 days | 1,680 sqft |
| 2020-04-01 | 0 days | 1,664 sqft |
| 2020-05-01 | 0 days | 1,715 sqft |
| 2020-06-01 | 0 days | 1,715 sqft |
| 2020-07-01 | 0 days | 1,726 sqft |
| 2020-08-01 | 0 days | 1,658 sqft |
| 2020-09-01 | 0 days | 1,656 sqft |
| 2020-10-01 | 0 days | 1,653 sqft |
| 2020-11-01 | 0 days | 1,619 sqft |
| 2020-12-01 | 0 days | 1,588 sqft |
| 2021-01-01 | 0 days | 1,588 sqft |
| 2021-02-01 | 0 days | 1,582 sqft |
| 2021-03-01 | 0 days | 1,562 sqft |
| 2021-04-01 | 0 days | 1,521 sqft |
| 2021-05-01 | 0 days | 1,482 sqft |
| 2021-06-01 | 0 days | 1,491 sqft |
| 2021-07-01 | 0 days | 1,588 sqft |
| 2021-08-01 | 0 days | 1,639 sqft |
| 2021-09-01 | 0 days | 1,588 sqft |
| 2021-10-01 | 0 days | 1,588 sqft |
| 2021-11-01 | 0 days | 1,534 sqft |
| 2021-12-01 | 0 days | 1,558 sqft |
| 2022-01-01 | 0 days | 1,588 sqft |
| 2022-02-01 | 0 days | 1,641 sqft |
| 2022-03-01 | 0 days | 1,597 sqft |
| 2022-04-01 | 0 days | 1,568 sqft |
| 2022-05-01 | 0 days | 1,562 sqft |
| 2022-06-01 | 0 days | 1,574 sqft |
| 2022-07-01 | 0 days | 1,588 sqft |
| 2022-08-01 | 0 days | 1,526 sqft |
| 2022-09-01 | 0 days | 1,518 sqft |
| 2022-10-01 | 0 days | 1,588 sqft |
| 2022-11-01 | 0 days | 1,548 sqft |
| 2022-12-01 | 0 days | 1,551 sqft |
| 2023-01-01 | 0 days | 1,535 sqft |
| 2023-02-01 | 0 days | 1,572 sqft |
| 2023-03-01 | 0 days | 1,632 sqft |
| 2023-04-01 | 0 days | 1,644 sqft |
| 2023-05-01 | 0 days | 1,613 sqft |
| 2023-06-01 | 0 days | 1,699 sqft |
| 2023-07-01 | 0 days | 1,731 sqft |
| 2023-08-01 | 0 days | 1,685 sqft |
| 2023-09-01 | 0 days | 1,650 sqft |
| 2023-10-01 | 0 days | 1,655 sqft |
| 2023-11-01 | 0 days | 1,635 sqft |
| 2023-12-01 | 0 days | 1,618 sqft |
| 2024-01-01 | 0 days | 1,585 sqft |
| 2024-02-01 | 0 days | 1,580 sqft |
| 2024-03-01 | 0 days | 1,617 sqft |
| 2024-04-01 | 0 days | 1,666 sqft |
| 2024-05-01 | 0 days | 1,698 sqft |
| 2024-06-01 | 0 days | 1,660 sqft |
| 2024-07-01 | 0 days | 1,665 sqft |
| 2024-08-01 | 0 days | 1,692 sqft |
| 2024-09-01 | 0 days | 1,689 sqft |
| 2024-10-01 | 0 days | 1,684 sqft |
| 2024-11-01 | 0 days | 1,637 sqft |
Jamestown's median square footage for active listings during the 2024-11-01 period was 1,637 sqft. One year prior, the average listing was 1,635 sqft.