Jefferson City USDA Loan Rates, Closing Costs & Stats
JEFFERSON CITY, MO
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.
Jefferson City's 13 lenders originated 45 USDA loans during 2024. The total origination value was $8,445,000, with an average USDA loan value of $187,667.
Jefferson City USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Jefferson City
averaged
0.4%
for the week of 2025-07-04, compared to the national average (all USDA variants) of
0% for the same period.
Jefferson City's average USDA mortgage closing costs are $4,043.
The average rate for the prior week (2025-06-27) was
6.64% and
one month ago for the week of 2025-05-30, the
average rate was 6.52%.
The average rate one year ago was 6.82%.
For refis of the same type during the week of 2025-07-04, the average rate
was -0.34%.
Jefferson City 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 Jefferson City level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| FLAT BRANCH MORTGAGE, INC. | 26 | 6.60% | $5,601 |
| The Central Trust Bank | 4 | 6.28% | $5,473 |
| Midwest Mortgage Associates Corporation | 2 | 6.44% | $2,247 |
| DAS Acquisition Company, LLC | 2 | 6.63% | $5,368 |
| Equity Prime Mortgage LLC | 2 | 6.69% | $3,945 |
| TOWNE MORTGAGE COMPANY | 1 | 6.13% | $10,197 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 7.20% | $4,157 |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | 7.63% | $4,821 |
| VILLAGE CAPITAL MORTGAGE | 1 | 6.38% | $8,829 |
| CMG MORTGAGE, INC. | 1 | 6.50% | $5,577 |
| GENEVA FINANCIAL, LLC | 1 | 7.00% | $5,525 |
| GUILD MORTGAGE COMPANY | 1 | 7.13% | $4,306 |
| Hawthorn Bank | 1 | 5.88% | $4,839 |
The top Jefferson City USDA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with
26 USDA loans originated. Their average total fees are
$5,601, which is $128
higher than the next largest lender,
The Central Trust Bank.
The lowest fee Jefferson City USDA lenders (with over 10 loans originated) are
FLAT BRANCH MORTGAGE, INC. ($5,601), .
The lowest rate Jefferson City USDA lenders (with over 10 loans originated) are
FLAT BRANCH MORTGAGE, INC. (6.60%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Jefferson City (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 | $146,700 (14.2%) | $187,716 (11.8%) | 0.54 | 387 |
| 2018-02-01 | $151,950 (17.0%) | $195,670 (17.2%) | 0.55 | 379 |
| 2018-03-01 | $149,900 (15.4%) | $199,251 (17.9%) | 0.53 | 394 |
| 2018-04-01 | $170,700 (22.0%) | $211,671 (15.4%) | 0.58 | 407 |
| 2018-05-01 | $174,900 (20.7%) | $216,452 (14.6%) | 0.58 | 413 |
| 2018-06-01 | $179,900 (24.2%) | $224,786 (19.3%) | 0.60 | 415 |
| 2018-07-01 | $179,450 (23.8%) | $216,911 (14.3%) | 0.60 | 434 |
| 2018-08-01 | $177,475 (22.5%) | $206,792 (10.2%) | 0.59 | 476 |
| 2018-09-01 | $175,000 (20.7%) | $204,027 (7.3%) | 0.59 | 481 |
| 2018-10-01 | $166,175 (15.8%) | $197,231 (6.5%) | 0.56 | 480 |
| 2018-11-01 | $168,200 (16.0%) | $196,723 (6.7%) | 0.57 | 460 |
| 2018-12-01 | $164,950 (12.8%) | $195,750 (3.7%) | 0.57 | 446 |
| 2019-01-01 | $166,200 (13.3%) | $195,113 (3.9%) | 0.57 | 406 |
| 2019-02-01 | $154,425 (1.6%) | $188,022 (-3.9%) | 0.52 | 412 |
| 2019-03-01 | $160,079 (6.8%) | $192,838 (-3.2%) | 0.52 | 389 |
| 2019-04-01 | $168,875 (-1.1%) | $197,758 (-6.6%) | 0.54 | 384 |
| 2019-05-01 | $169,450 (-3.1%) | $207,046 (-4.4%) | 0.53 | 402 |
| 2019-06-01 | $177,000 (-1.6%) | $214,867 (-4.4%) | 0.55 | 423 |
| 2019-07-01 | $177,350 (-1.2%) | $218,750 (0.9%) | 0.56 | 408 |
| 2019-08-01 | $175,965 (-0.9%) | $217,556 (5.2%) | 0.56 | 407 |
| 2019-09-01 | $177,414 (1.4%) | $216,403 (6.1%) | 0.57 | 407 |
| 2019-10-01 | $176,559 (6.3%) | $212,795 (7.9%) | 0.57 | 406 |
| 2019-11-01 | $179,900 (7.0%) | $213,777 (8.7%) | 0.59 | 393 |
| 2019-12-01 | $179,950 (9.1%) | $214,696 (9.7%) | 0.60 | 361 |
| 2020-01-01 | $173,250 (4.2%) | $216,034 (10.7%) | 0.58 | 345 |
| 2020-02-01 | $177,000 (14.6%) | $227,371 (20.9%) | 0.58 | 331 |
| 2020-03-01 | $185,500 (15.9%) | $236,500 (22.6%) | 0.58 | 301 |
| 2020-04-01 | $196,970 (16.6%) | $234,636 (18.7%) | 0.62 | 285 |
| 2020-05-01 | $210,000 (23.9%) | $245,667 (18.7%) | 0.64 | 250 |
| 2020-06-01 | $213,700 (20.7%) | $248,132 (15.5%) | 0.63 | 249 |
| 2020-07-01 | $207,400 (16.9%) | $247,150 (13.0%) | 0.60 | 213 |
| 2020-08-01 | $204,900 (16.4%) | $245,885 (13.0%) | 0.59 | 189 |
| 2020-09-01 | $199,800 (12.6%) | $238,638 (10.3%) | 0.57 | 183 |
| 2020-10-01 | $179,700 (1.8%) | $231,733 (8.9%) | 0.51 | 169 |
| 2020-11-01 | $183,725 (2.1%) | $240,167 (12.3%) | 0.54 | 166 |
| 2020-12-01 | $178,700 (-0.7%) | $234,803 (9.4%) | 0.53 | 173 |
| 2021-01-01 | $178,700 (3.2%) | $232,148 (7.5%) | 0.53 | 142 |
| 2021-02-01 | $180,833 (2.2%) | $233,710 (2.8%) | 0.53 | 105 |
| 2021-03-01 | $196,175 (5.8%) | $247,269 (4.6%) | 0.56 | 85 |
| 2021-04-01 | $212,450 (7.9%) | $261,799 (11.6%) | 0.58 | 96 |
| 2021-05-01 | $182,400 (-13.1%) | $251,898 (2.5%) | 0.48 | 97 |
| 2021-06-01 | $199,900 (-6.5%) | $263,888 (6.4%) | 0.53 | 111 |
| 2021-07-01 | $193,900 (-6.5%) | $253,255 (2.5%) | 0.51 | 130 |
| 2021-08-01 | $199,050 (-2.9%) | $264,330 (7.5%) | 0.53 | 143 |
| 2021-09-01 | $218,575 (9.4%) | $271,787 (13.9%) | 0.58 | 154 |
| 2021-10-01 | $199,900 (11.2%) | $259,303 (11.9%) | 0.53 | 153 |
| 2021-11-01 | $188,350 (2.5%) | $279,364 (16.3%) | 0.50 | 148 |
| 2021-12-01 | $195,000 (9.1%) | $271,727 (15.7%) | 0.53 | 144 |
| 2022-01-01 | $192,000 (7.4%) | $279,057 (20.2%) | 0.52 | 119 |
| 2022-02-01 | $206,450 (14.2%) | $299,217 (28.0%) | 0.54 | 112 |
| 2022-03-01 | $198,950 (1.4%) | $297,224 (20.2%) | 0.50 | 102 |
| 2022-04-01 | $199,500 (-6.1%) | $289,557 (10.6%) | 0.48 | 116 |
| 2022-05-01 | $227,400 (24.7%) | $303,709 (20.6%) | 0.52 | 132 |
| 2022-06-01 | $238,725 (19.4%) | $296,505 (12.4%) | 0.53 | 161 |
| 2022-07-01 | $221,125 (14.0%) | $285,367 (12.7%) | 0.50 | 178 |
| 2022-08-01 | $217,925 (9.5%) | $298,331 (12.9%) | 0.50 | 186 |
| 2022-09-01 | $227,250 (4.0%) | $314,161 (15.6%) | 0.53 | 178 |
| 2022-10-01 | $199,900 (0.0%) | $282,806 (9.1%) | 0.47 | 197 |
| 2022-11-01 | $242,000 (28.5%) | $299,514 (7.2%) | 0.58 | 163 |
| 2022-12-01 | $259,900 (33.3%) | $325,852 (19.9%) | 0.64 | 150 |
| 2023-01-01 | $254,450 (32.5%) | $315,270 (13.0%) | 0.63 | 125 |
| 2023-02-01 | $259,950 (25.9%) | $320,178 (7.0%) | 0.63 | 122 |
| 2023-03-01 | $251,250 (26.3%) | $312,207 (5.0%) | 0.59 | 121 |
| 2023-04-01 | $278,400 (39.6%) | $333,228 (15.1%) | 0.65 | 128 |
| 2023-05-01 | $278,550 (22.5%) | $335,999 (10.6%) | 0.63 | 138 |
| 2023-06-01 | $266,150 (11.5%) | $338,133 (14.0%) | 0.60 | 148 |
| 2023-07-01 | $279,900 (26.6%) | $343,852 (20.5%) | 0.64 | 151 |
| 2023-08-01 | $319,900 (46.8%) | $379,804 (27.3%) | 0.73 | 149 |
| 2023-09-01 | $317,500 (39.7%) | $374,110 (19.1%) | 0.74 | 162 |
| 2023-10-01 | $315,000 (57.6%) | $357,981 (26.6%) | 0.74 | 174 |
| 2023-11-01 | $314,950 (30.1%) | $365,182 (21.9%) | 0.75 | 169 |
| 2023-12-01 | $302,488 (16.4%) | $364,517 (11.9%) | 0.74 | 150 |
| 2024-01-01 | $302,488 (18.9%) | $362,646 (15.0%) | 0.74 | 152 |
| 2024-02-01 | $314,900 (21.1%) | $362,458 (13.2%) | 0.76 | 142 |
| 2024-03-01 | $309,900 (23.3%) | $352,238 (12.8%) | 0.73 | 153 |
| 2024-04-01 | $289,325 (3.9%) | $361,009 (8.3%) | 0.67 | 149 |
| 2024-05-01 | $319,925 (14.9%) | $366,995 (9.2%) | 0.73 | 148 |
| 2024-06-01 | $334,900 (25.8%) | $393,585 (16.4%) | 0.76 | 184 |
| 2024-07-01 | $294,000 (5.0%) | $369,395 (7.4%) | 0.67 | 227 |
| 2024-08-01 | $298,000 (-6.9%) | $379,875 (0.0%) | 0.69 | 242 |
| 2024-09-01 | $292,725 (-7.8%) | $403,151 (7.8%) | 0.69 | 263 |
| 2024-10-01 | $299,450 (-4.9%) | $409,527 (14.4%) | 0.70 | 283 |
| 2024-11-01 | $299,450 (-4.9%) | $414,251 (13.4%) | 0.72 | 261 |
| 2024-12-01 | $299,900 (-0.9%) | $408,561 (12.1%) | 0.75 | 222 |
| 2025-01-01 | $299,900 (-0.9%) | $398,671 (9.9%) | 0.75 | 206 |
| 2025-02-01 | $301,117 (-4.4%) | $402,257 (11.0%) | 0.73 | 190 |
| 2025-03-01 | $324,000 (4.6%) | $404,023 (14.7%) | 0.76 | 189 |
| 2025-04-01 | $307,000 (6.1%) | $380,331 (5.4%) | 0.71 | 202 |
| 2025-05-01 | $314,950 (-1.6%) | $390,599 (6.4%) | 0.72 | 213 |
Jefferson City's median listing price comes in at 72% of the national average.
Jefferson City's average listing price for 2025-05-01 was $390,599, a difference of $23,604 (6.4%) versus the prior year and $10,268 versus the prior month.
For the 2025-05-01 period, Jefferson City had 213 MLS listings, a difference of 11 listings (5%) versus the prior month and 65 listings (44%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Jefferson City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 79 days | 1,944 sqft |
| 2018-02-01 | 71 days | 1,977 sqft |
| 2018-03-01 | 56 days | 1,978 sqft |
| 2018-04-01 | 50 days | 2,028 sqft |
| 2018-05-01 | 52 days | 2,111 sqft |
| 2018-06-01 | 53 days | 2,118 sqft |
| 2018-07-01 | 54 days | 2,124 sqft |
| 2018-08-01 | 58 days | 2,100 sqft |
| 2018-09-01 | 60 days | 2,013 sqft |
| 2018-10-01 | 65 days | 1,985 sqft |
| 2018-11-01 | 70 days | 1,961 sqft |
| 2018-12-01 | 78 days | 1,876 sqft |
| 2019-01-01 | 82 days | 1,860 sqft |
| 2019-02-01 | 82 days | 1,808 sqft |
| 2019-03-01 | 67 days | 1,830 sqft |
| 2019-04-01 | 51 days | 1,878 sqft |
| 2019-05-01 | 42 days | 1,943 sqft |
| 2019-06-01 | 44 days | 2,021 sqft |
| 2019-07-01 | 58 days | 1,994 sqft |
| 2019-08-01 | 57 days | 1,985 sqft |
| 2019-09-01 | 55 days | 1,978 sqft |
| 2019-10-01 | 55 days | 1,949 sqft |
| 2019-11-01 | 63 days | 1,922 sqft |
| 2019-12-01 | 74 days | 1,952 sqft |
| 2020-01-01 | 78 days | 1,966 sqft |
| 2020-02-01 | 68 days | 1,986 sqft |
| 2020-03-01 | 53 days | 2,036 sqft |
| 2020-04-01 | 64 days | 2,000 sqft |
| 2020-05-01 | 59 days | 2,129 sqft |
| 2020-06-01 | 47 days | 2,007 sqft |
| 2020-07-01 | 52 days | 2,099 sqft |
| 2020-08-01 | 40 days | 2,094 sqft |
| 2020-09-01 | 35 days | 2,031 sqft |
| 2020-10-01 | 34 days | 1,874 sqft |
| 2020-11-01 | 37 days | 1,946 sqft |
| 2020-12-01 | 36 days | 1,812 sqft |
| 2021-01-01 | 47 days | 1,786 sqft |
| 2021-02-01 | 37 days | 1,774 sqft |
| 2021-03-01 | 25 days | 1,884 sqft |
| 2021-04-01 | 16 days | 2,016 sqft |
| 2021-05-01 | 16 days | 1,836 sqft |
| 2021-06-01 | 16 days | 1,919 sqft |
| 2021-07-01 | 18 days | 1,899 sqft |
| 2021-08-01 | 19 days | 1,978 sqft |
| 2021-09-01 | 23 days | 1,836 sqft |
| 2021-10-01 | 29 days | 1,736 sqft |
| 2021-11-01 | 35 days | 1,674 sqft |
| 2021-12-01 | 45 days | 1,819 sqft |
| 2022-01-01 | 52 days | 1,841 sqft |
| 2022-02-01 | 39 days | 1,835 sqft |
| 2022-03-01 | 29 days | 1,881 sqft |
| 2022-04-01 | 22 days | 1,862 sqft |
| 2022-05-01 | 25 days | 1,959 sqft |
| 2022-06-01 | 23 days | 1,755 sqft |
| 2022-07-01 | 39 days | 1,728 sqft |
| 2022-08-01 | 35 days | 1,824 sqft |
| 2022-09-01 | 44 days | 1,901 sqft |
| 2022-10-01 | 41 days | 1,728 sqft |
| 2022-11-01 | 51 days | 1,781 sqft |
| 2022-12-01 | 64 days | 1,859 sqft |
| 2023-01-01 | 64 days | 1,805 sqft |
| 2023-02-01 | 47 days | 1,848 sqft |
| 2023-03-01 | 38 days | 1,860 sqft |
| 2023-04-01 | 27 days | 1,879 sqft |
| 2023-05-01 | 27 days | 1,889 sqft |
| 2023-06-01 | 36 days | 1,862 sqft |
| 2023-07-01 | 30 days | 1,949 sqft |
| 2023-08-01 | 37 days | 2,066 sqft |
| 2023-09-01 | 38 days | 2,086 sqft |
| 2023-10-01 | 39 days | 1,988 sqft |
| 2023-11-01 | 41 days | 2,016 sqft |
| 2023-12-01 | 56 days | 2,097 sqft |
| 2024-01-01 | 58 days | 2,034 sqft |
| 2024-02-01 | 40 days | 2,049 sqft |
| 2024-03-01 | 37 days | 1,950 sqft |
| 2024-04-01 | 33 days | 1,944 sqft |
| 2024-05-01 | 31 days | 1,940 sqft |
| 2024-06-01 | 30 days | 2,000 sqft |
| 2024-07-01 | 36 days | 1,948 sqft |
| 2024-08-01 | 39 days | 1,940 sqft |
| 2024-09-01 | 39 days | 1,941 sqft |
| 2024-10-01 | 49 days | 1,985 sqft |
| 2024-11-01 | 57 days | 1,924 sqft |
| 2024-12-01 | 66 days | 1,877 sqft |
| 2025-01-01 | 70 days | 1,881 sqft |
| 2025-02-01 | 65 days | 1,880 sqft |
| 2025-03-01 | 37 days | 1,930 sqft |
| 2025-04-01 | 33 days | 1,904 sqft |
| 2025-05-01 | 36 days | 1,938 sqft |
Jefferson City's median square footage for active listings during the 2025-05-01 period was 1,938 sqft. One year prior, the average listing was 1,940 sqft.