Johnstown USDA Loan Rates, Closing Costs & Stats

JOHNSTOWN, PA

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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.

    Johnstown's 17 lenders originated 48 USDA loans during 2024. The total origination value was $5,230,000, with an average USDA loan value of $108,958.

    Johnstown USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Johnstown averaged 6.63% for the week of 2025-07-11, compared to the national average (all USDA variants) of 6.449% for the same period.

    Johnstown's average USDA mortgage closing costs are $4,781.

    The average rate for the prior week (2025-07-04) was 6.44% and one month ago for the week of 2025-06-06, the average rate was 6.53%.

    The average rate one year ago was 7.12%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.65%.

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

    Johnstown 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 Johnstown level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    PRIMELENDING, A PLAINSCAPITAL COMPANY 10 5.99% $5,181
    Flagstar Bank, FSB 7 6.70% $5,851
    SOMERSET TRUST COMPANY 7 5.63% $4,932
    First Commonwealth Bank 4 6.47% $6,288
    UNION HOME MORTGAGE CORP. 2 6.13% $5,385
    BROKER SOLUTIONS, INC. 2 7.00% $6,376
    First National Bank of Pennsylvania 2 6.06% $5,880
    NORWICH COMMERCIAL GROUP, INC. 2 7.25% $5,719
    PLAZA HOME MORTGAGE, INC. 2 6.19% $7,616
    RADIUS FINANCIAL GROUP INC. 2 6.88% $7,747
    Magnolia Bank 1 7.50% $5,518
    BAY EQUITY LLC 1 6.87% $6,940
    CMG MORTGAGE, INC. 1 7.38% $4,624
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 5.63% $5,372
    FIRST COMMUNITY MORTGAGE, INC. 1 7.00% $5,000
    CROSSCOUNTRY MORTGAGE, LLC 1 6.75% $4,782
    EQUITY RESOURCES, INC. 1 6.38% $4,995

    The top Johnstown USDA lender as defined by loan originations is PRIMELENDING, A PLAINSCAPITAL COMPANY, with 10 USDA loans originated. Their average total fees are $5,181, which is $670 lower than the next largest lender, Flagstar Bank, FSB.

    The lowest fee Johnstown USDA lenders (with over 10 loans originated) are PRIMELENDING, A PLAINSCAPITAL COMPANY ($5,181), .

    The lowest rate Johnstown USDA lenders (with over 10 loans originated) are PRIMELENDING, A PLAINSCAPITAL COMPANY (5.99%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Johnstown (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 $74,650 (6.8%) $101,094 (-3.0%) 0.28 461
    2018-02-01 $69,550 (7.0%) $95,688 (-5.6%) 0.25 444
    2018-03-01 $69,900 (0.0%) $95,264 (-10.0%) 0.24 442
    2018-04-01 $72,900 (1.4%) $100,039 (-5.4%) 0.25 459
    2018-05-01 $74,900 (-0.1%) $104,666 (-4.3%) 0.25 488
    2018-06-01 $79,900 (6.7%) $109,777 (0.0%) 0.27 520
    2018-07-01 $79,900 (10.2%) $109,116 (1.4%) 0.27 546
    2018-08-01 $79,300 (5.9%) $107,661 (-0.4%) 0.26 552
    2018-09-01 $79,000 (9.7%) $109,132 (1.2%) 0.26 539
    2018-10-01 $77,300 (3.2%) $109,232 (2.0%) 0.26 530
    2018-11-01 $74,975 (0.1%) $107,841 (0.7%) 0.25 499
    2018-12-01 $72,000 (2.9%) $105,879 (3.7%) 0.25 456
    2019-01-01 $71,000 (-4.9%) $108,740 (7.6%) 0.26 415
    2019-02-01 $69,925 (0.5%) $108,129 (13.0%) 0.24 404
    2019-03-01 $75,836 (8.5%) $114,418 (20.1%) 0.25 419
    2019-04-01 $84,125 (15.4%) $123,258 (23.2%) 0.27 435
    2019-05-01 $81,625 (9.0%) $121,289 (15.9%) 0.26 426
    2019-06-01 $89,000 (11.4%) $119,470 (8.8%) 0.28 459
    2019-07-01 $87,425 (9.4%) $116,502 (6.8%) 0.28 510
    2019-08-01 $83,941 (5.9%) $115,035 (6.9%) 0.27 522
    2019-09-01 $82,427 (4.3%) $114,113 (4.6%) 0.27 525
    2019-10-01 $82,243 (6.4%) $114,972 (5.3%) 0.27 517
    2019-11-01 $79,900 (6.6%) $111,427 (3.3%) 0.26 487
    2019-12-01 $79,900 (11.0%) $110,395 (4.3%) 0.27 446
    2020-01-01 $79,900 (12.5%) $110,455 (1.6%) 0.27 410
    2020-02-01 $74,900 (7.1%) $99,667 (-7.8%) 0.24 376
    2020-03-01 $77,100 (1.7%) $105,173 (-8.1%) 0.24 383
    2020-04-01 $77,875 (-7.4%) $106,157 (-13.9%) 0.24 346
    2020-05-01 $79,900 (-2.1%) $110,528 (-8.9%) 0.24 320
    2020-06-01 $82,450 (-7.4%) $115,686 (-3.2%) 0.23 308
    2020-07-01 $80,000 (-8.5%) $114,733 (-1.5%) 0.23 308
    2020-08-01 $87,500 (4.2%) $118,641 (3.1%) 0.25 303
    2020-09-01 $82,750 (0.4%) $116,711 (2.3%) 0.25 267
    2020-10-01 $75,900 (-7.7%) $108,548 (-5.6%) 0.22 256
    2020-11-01 $79,650 (-0.3%) $110,723 (-0.6%) 0.23 235
    2020-12-01 $80,425 (0.7%) $111,679 (1.2%) 0.23 211
    2021-01-01 $79,900 (0.0%) $108,863 (-1.4%) 0.25 181
    2021-02-01 $80,925 (8.0%) $110,728 (11.1%) 0.24 151
    2021-03-01 $74,950 (-2.8%) $107,289 (2.0%) 0.21 139
    2021-04-01 $74,975 (-3.7%) $103,525 (-2.5%) 0.20 128
    2021-05-01 $84,900 (6.3%) $128,437 (16.2%) 0.23 145
    2021-06-01 $96,950 (17.6%) $150,839 (30.4%) 0.25 165
    2021-07-01 $105,900 (32.4%) $151,546 (32.1%) 0.28 193
    2021-08-01 $92,350 (5.5%) $138,545 (16.8%) 0.24 202
    2021-09-01 $100,000 (20.9%) $138,076 (18.3%) 0.28 198
    2021-10-01 $99,900 (31.6%) $135,957 (25.3%) 0.26 212
    2021-11-01 $93,675 (17.6%) $137,176 (23.9%) 0.25 180
    2021-12-01 $94,700 (17.8%) $134,680 (20.6%) 0.25 164
    2022-01-01 $89,900 (12.5%) $132,584 (21.8%) 0.24 142
    2022-02-01 $81,975 (1.3%) $128,550 (16.1%) 0.20 127
    2022-03-01 $82,500 (10.1%) $134,720 (25.6%) 0.20 121
    2022-04-01 $85,000 (13.4%) $127,115 (22.8%) 0.20 129
    2022-05-01 $92,450 (8.9%) $138,675 (8.0%) 0.21 139
    2022-06-01 $92,325 (-4.8%) $136,970 (-9.2%) 0.20 159
    2022-07-01 $109,450 (3.4%) $146,722 (-3.2%) 0.23 190
    2022-08-01 $110,450 (19.6%) $143,920 (3.9%) 0.26 213
    2022-09-01 $118,500 (18.5%) $143,127 (3.7%) 0.00 188
    2022-10-01 $109,950 (10.1%) $138,213 (1.7%) 0.00 181
    2022-11-01 $113,675 (21.4%) $139,000 (1.3%) 0.00 178
    2022-12-01 $94,950 (0.3%) $127,872 (-5.1%) 0.00 165
    2023-01-01 $87,400 (-2.8%) $122,001 (-8.0%) 0.00 154
    2023-02-01 $91,950 (12.2%) $128,745 (0.2%) 0.00 142
    2023-03-01 $98,475 (19.4%) $130,145 (-3.4%) 0.00 136
    2023-04-01 $98,500 (15.9%) $136,155 (7.1%) 0.00 125
    2023-05-01 $85,500 (-7.5%) $127,363 (-8.2%) 0.00 149
    2023-06-01 $94,200 (2.0%) $132,014 (-3.6%) 0.00 196
    2023-07-01 $95,000 (-13.2%) $134,281 (-8.5%) 0.00 201
    2023-08-01 $109,950 (-0.5%) $147,687 (2.6%) 0.00 209
    2023-09-01 $109,000 (-8.0%) $146,496 (2.4%) 0.00 204
    2023-10-01 $103,750 (-5.6%) $141,175 (2.1%) 0.00 213
    2023-11-01 $97,400 (-14.3%) $139,562 (0.4%) 0.00 208
    2023-12-01 $99,900 (5.2%) $141,488 (10.7%) 0.00 196
    2024-01-01 $97,450 (11.5%) $145,684 (19.4%) 0.00 181
    2024-02-01 $99,650 (8.4%) $143,686 (11.6%) 0.00 163
    2024-03-01 $109,450 (11.1%) $142,911 (9.8%) 0.00 164
    2024-04-01 $111,450 (13.2%) $147,564 (8.4%) 0.00 163
    2024-05-01 $119,925 (40.3%) $154,319 (21.2%) 0.00 171
    2024-06-01 $134,900 (43.2%) $165,679 (25.5%) 0.00 166
    2024-07-01 $139,900 (47.3%) $169,963 (26.6%) 0.00 168
    2024-08-01 $134,950 (22.7%) $169,332 (14.7%) 0.00 194
    2024-09-01 $134,900 (23.8%) $164,381 (12.2%) 0.00 201
    2024-10-01 $122,475 (18.1%) $158,271 (12.1%) 0.00 206
    2024-11-01 $125,000 (28.3%) $163,585 (17.2%) 0.00 195
    2024-12-01 $117,450 (17.6%) $157,444 (11.3%) 0.00 186
    2025-01-01 $119,450 (22.6%) $157,892 (8.4%) 0.00 176
    2025-02-01 $125,000 (25.4%) $163,434 (13.7%) 0.00 153
    2025-03-01 $117,450 (7.3%) $155,156 (8.6%) 0.00 147
    2025-04-01 $109,500 (-1.8%) $147,504 (0.0%) 0.00 141
    2025-05-01 $110,000 (-8.3%) $152,336 (-1.3%) 0.00 137
    2025-06-01 $130,750 (-3.1%) $156,769 (-5.4%) 0.00 154
    Johnstown's median listing price for 2025-06-01 was $130,750, a difference of $-4,150 (-3.1%) versus the prior year and $20,750 versus the prior month.

    Johnstown's median listing price comes in at 0% of the national average.

    Johnstown's average listing price for 2025-06-01 was $156,769, a difference of $-8,910 (-5.4%) versus the prior year and $4,433 versus the prior month.

    For the 2025-06-01 period, Johnstown had 154 MLS listings, a difference of 17 listings (12%) versus the prior month and -12 listings (-7%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Johnstown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 141 days 1,519 sqft
    2018-02-01 145 days 1,484 sqft
    2018-03-01 144 days 1,495 sqft
    2018-04-01 125 days 1,543 sqft
    2018-05-01 85 days 1,557 sqft
    2018-06-01 74 days 1,560 sqft
    2018-07-01 80 days 1,558 sqft
    2018-08-01 84 days 1,543 sqft
    2018-09-01 94 days 1,558 sqft
    2018-10-01 98 days 1,560 sqft
    2018-11-01 107 days 1,532 sqft
    2018-12-01 120 days 1,532 sqft
    2019-01-01 128 days 1,550 sqft
    2019-02-01 133 days 1,536 sqft
    2019-03-01 135 days 1,570 sqft
    2019-04-01 93 days 1,619 sqft
    2019-05-01 76 days 1,631 sqft
    2019-06-01 75 days 1,616 sqft
    2019-07-01 76 days 1,598 sqft
    2019-08-01 80 days 1,572 sqft
    2019-09-01 89 days 1,564 sqft
    2019-10-01 93 days 1,567 sqft
    2019-11-01 93 days 1,600 sqft
    2019-12-01 102 days 1,600 sqft
    2020-01-01 115 days 1,566 sqft
    2020-02-01 126 days 1,497 sqft
    2020-03-01 127 days 1,487 sqft
    2020-04-01 136 days 1,462 sqft
    2020-05-01 144 days 1,500 sqft
    2020-06-01 117 days 1,561 sqft
    2020-07-01 73 days 1,466 sqft
    2020-08-01 72 days 1,538 sqft
    2020-09-01 83 days 1,471 sqft
    2020-10-01 77 days 1,456 sqft
    2020-11-01 83 days 1,455 sqft
    2020-12-01 100 days 1,484 sqft
    2021-01-01 109 days 1,456 sqft
    2021-02-01 110 days 1,461 sqft
    2021-03-01 108 days 1,312 sqft
    2021-04-01 78 days 1,344 sqft
    2021-05-01 41 days 1,402 sqft
    2021-06-01 40 days 1,557 sqft
    2021-07-01 45 days 1,546 sqft
    2021-08-01 47 days 1,500 sqft
    2021-09-01 52 days 1,493 sqft
    2021-10-01 57 days 1,478 sqft
    2021-11-01 62 days 1,465 sqft
    2021-12-01 71 days 1,485 sqft
    2022-01-01 87 days 1,516 sqft
    2022-02-01 89 days 1,477 sqft
    2022-03-01 62 days 1,500 sqft
    2022-04-01 45 days 1,503 sqft
    2022-05-01 50 days 1,534 sqft
    2022-06-01 39 days 1,468 sqft
    2022-07-01 40 days 1,543 sqft
    2022-08-01 45 days 1,489 sqft
    2022-09-01 0 days 1,530 sqft
    2022-10-01 0 days 1,511 sqft
    2022-11-01 0 days 1,591 sqft
    2022-12-01 0 days 1,572 sqft
    2023-01-01 0 days 1,460 sqft
    2023-02-01 0 days 1,531 sqft
    2023-03-01 0 days 1,510 sqft
    2023-04-01 0 days 1,585 sqft
    2023-05-01 0 days 1,478 sqft
    2023-06-01 0 days 1,520 sqft
    2023-07-01 0 days 1,556 sqft
    2023-08-01 0 days 1,584 sqft
    2023-09-01 0 days 1,544 sqft
    2023-10-01 0 days 1,501 sqft
    2023-11-01 0 days 1,450 sqft
    2023-12-01 0 days 1,428 sqft
    2024-01-01 0 days 1,405 sqft
    2024-02-01 0 days 1,416 sqft
    2024-03-01 0 days 1,416 sqft
    2024-04-01 0 days 1,470 sqft
    2024-05-01 0 days 1,472 sqft
    2024-06-01 0 days 1,575 sqft
    2024-07-01 0 days 1,600 sqft
    2024-08-01 0 days 1,545 sqft
    2024-09-01 0 days 1,519 sqft
    2024-10-01 0 days 1,466 sqft
    2024-11-01 0 days 1,536 sqft
    2024-12-01 0 days 1,448 sqft
    2025-01-01 0 days 1,516 sqft
    2025-02-01 0 days 1,494 sqft
    2025-03-01 0 days 1,428 sqft
    2025-04-01 0 days 1,413 sqft
    2025-05-01 0 days 1,464 sqft
    2025-06-01 0 days 1,509 sqft
    Johnstown's median listing age (time on market) for 2025-06-01 was 0 days.

    Johnstown's median square footage for active listings during the 2025-06-01 period was 1,509 sqft. One year prior, the average listing was 1,575 sqft.