Joplin USDA Loan Rates, Closing Costs & Stats
JOPLIN, 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.
Joplin's 21 lenders originated 95 USDA loans during 2024. The total origination value was $15,755,000, with an average USDA loan value of $165,842.
Joplin USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Joplin
averaged
6.49%
for the week of 2025-07-11, compared to the national average (all USDA variants) of
6.449% for the same period.
Joplin's average USDA mortgage closing costs are $4,008.
The average rate for the prior week (2025-07-04) was
6.6% and
one month ago for the week of 2025-06-06, the
average rate was 6.8%.
The average rate one year ago was 6.88%.
For refis of the same type during the week of 2025-07-11, the average rate
was 6.49%.
Joplin 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 Joplin level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| FLAT BRANCH MORTGAGE, INC. | 61 | 6.72% | $4,895 |
| Paramount Residential Mortgage Group, Inc. | 3 | 6.67% | $7,776 |
| Midwest Mortgage Associates Corporation | 3 | 6.33% | $4,198 |
| Arvest Bank | 2 | 6.50% | $4,813 |
| DAS Acquisition Company, LLC | 2 | 5.13% | $6,195 |
| GERSHMAN INVESTMENT CORP. | 2 | 6.31% | $6,157 |
| TOWNE MORTGAGE COMPANY | 2 | 7.00% | $7,026 |
| First Community Bank | 1 | 6.25% | $5,720 |
| Carrington Mortgage Services, LLC | 1 | 5.75% | $7,536 |
| Gateway First Bank | 1 | 6.25% | $5,540 |
| U.S. Bank | 1 | 5.25% | $5,029 |
| HOMESIDE FINANCIAL, LLC | 1 | 6.25% | $10,156 |
| LEADERONE FINANCIAL CORPORATION | 1 | 6.13% | $17,082 |
| Barrington Bank & Trust Company, N.A. | 1 | 7.25% | $4,850 |
| Mortgage Investment Services Corporation | 1 | 7.00% | $4,093 |
| NEWREZ LLC | 1 | 6.75% | $4,268 |
| Bank of England | 1 | 6.25% | $4,576 |
| The Central Trust Bank | 1 | 6.88% | $4,453 |
| VILLAGE CAPITAL MORTGAGE | 1 | 6.25% | $11,542 |
| DELMAR FINANCIAL COMPANY | 1 | 7.63% | $4,712 |
| Eagle Bank and Trust Company | 1 | 6.38% | $4,457 |
The top Joplin USDA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with
61 USDA loans originated. Their average total fees are
$4,895, which is $2,880
lower than the next largest lender,
Paramount Residential Mortgage Group, Inc..
The lowest fee Joplin USDA lenders (with over 10 loans originated) are
FLAT BRANCH MORTGAGE, INC. ($4,895), .
The lowest rate Joplin USDA lenders (with over 10 loans originated) are
FLAT BRANCH MORTGAGE, INC. (6.72%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Joplin (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 | $129,753 (18.1%) | $170,883 (5.9%) | 0.48 | 800 |
| 2018-02-01 | $129,900 (18.2%) | $171,460 (5.9%) | 0.47 | 789 |
| 2018-03-01 | $131,700 (20.8%) | $174,875 (6.6%) | 0.46 | 809 |
| 2018-04-01 | $139,883 (21.6%) | $177,800 (5.5%) | 0.47 | 823 |
| 2018-05-01 | $143,331 (18.2%) | $176,615 (0.4%) | 0.48 | 802 |
| 2018-06-01 | $140,000 (14.8%) | $181,673 (2.6%) | 0.47 | 830 |
| 2018-07-01 | $139,950 (12.0%) | $180,213 (0.8%) | 0.47 | 841 |
| 2018-08-01 | $142,874 (11.0%) | $177,307 (0.2%) | 0.48 | 999 |
| 2018-09-01 | $144,630 (12.2%) | $176,629 (0.9%) | 0.49 | 1,040 |
| 2018-10-01 | $146,175 (13.4%) | $180,514 (2.8%) | 0.50 | 982 |
| 2018-11-01 | $144,939 (12.4%) | $177,596 (1.1%) | 0.49 | 1,010 |
| 2018-12-01 | $139,900 (8.8%) | $174,849 (2.5%) | 0.48 | 959 |
| 2019-01-01 | $139,698 (7.7%) | $171,228 (0.2%) | 0.48 | 876 |
| 2019-02-01 | $140,875 (8.5%) | $174,652 (1.9%) | 0.48 | 821 |
| 2019-03-01 | $142,857 (8.5%) | $178,050 (1.8%) | 0.47 | 782 |
| 2019-04-01 | $142,807 (2.1%) | $180,886 (1.7%) | 0.45 | 750 |
| 2019-05-01 | $148,350 (3.5%) | $187,064 (5.9%) | 0.46 | 716 |
| 2019-06-01 | $143,950 (2.8%) | $186,366 (2.6%) | 0.45 | 722 |
| 2019-07-01 | $149,900 (7.1%) | $185,112 (2.7%) | 0.47 | 770 |
| 2019-08-01 | $148,700 (4.1%) | $184,104 (3.8%) | 0.47 | 765 |
| 2019-09-01 | $146,900 (1.6%) | $183,403 (3.8%) | 0.47 | 745 |
| 2019-10-01 | $147,833 (1.1%) | $184,414 (2.2%) | 0.48 | 733 |
| 2019-11-01 | $147,700 (1.9%) | $185,286 (4.3%) | 0.48 | 729 |
| 2019-12-01 | $147,253 (5.3%) | $186,708 (6.8%) | 0.49 | 714 |
| 2020-01-01 | $147,706 (5.7%) | $186,878 (9.1%) | 0.49 | 658 |
| 2020-02-01 | $142,202 (0.9%) | $187,412 (7.3%) | 0.47 | 616 |
| 2020-03-01 | $145,255 (1.7%) | $188,358 (5.8%) | 0.46 | 588 |
| 2020-04-01 | $144,300 (1.1%) | $190,444 (5.3%) | 0.45 | 616 |
| 2020-05-01 | $148,625 (0.2%) | $200,294 (7.1%) | 0.45 | 552 |
| 2020-06-01 | $154,846 (7.6%) | $206,778 (11.0%) | 0.46 | 516 |
| 2020-07-01 | $152,425 (1.7%) | $212,448 (14.8%) | 0.44 | 499 |
| 2020-08-01 | $168,000 (13.0%) | $225,797 (22.7%) | 0.48 | 421 |
| 2020-09-01 | $172,200 (17.2%) | $234,918 (28.1%) | 0.49 | 413 |
| 2020-10-01 | $155,000 (4.9%) | $219,282 (18.9%) | 0.44 | 425 |
| 2020-11-01 | $150,000 (1.6%) | $222,152 (19.9%) | 0.44 | 423 |
| 2020-12-01 | $149,500 (1.5%) | $224,530 (20.3%) | 0.44 | 411 |
| 2021-01-01 | $152,900 (3.5%) | $236,874 (26.8%) | 0.46 | 361 |
| 2021-02-01 | $158,749 (11.6%) | $257,238 (37.3%) | 0.46 | 307 |
| 2021-03-01 | $169,675 (16.8%) | $257,450 (36.7%) | 0.48 | 311 |
| 2021-04-01 | $169,038 (17.1%) | $252,535 (32.6%) | 0.46 | 306 |
| 2021-05-01 | $159,900 (7.6%) | $261,126 (30.4%) | 0.42 | 272 |
| 2021-06-01 | $156,725 (1.2%) | $263,672 (27.5%) | 0.41 | 301 |
| 2021-07-01 | $159,900 (4.9%) | $241,881 (13.9%) | 0.42 | 354 |
| 2021-08-01 | $168,500 (0.3%) | $248,760 (10.2%) | 0.45 | 375 |
| 2021-09-01 | $179,000 (4.0%) | $239,375 (1.9%) | 0.48 | 427 |
| 2021-10-01 | $170,950 (10.3%) | $239,425 (9.2%) | 0.46 | 441 |
| 2021-11-01 | $180,225 (20.2%) | $248,230 (11.7%) | 0.48 | 408 |
| 2021-12-01 | $191,075 (27.8%) | $267,169 (19.0%) | 0.52 | 335 |
| 2022-01-01 | $199,900 (30.7%) | $265,372 (12.0%) | 0.54 | 274 |
| 2022-02-01 | $208,050 (31.1%) | $267,806 (4.1%) | 0.54 | 231 |
| 2022-03-01 | $211,000 (24.4%) | $278,023 (8.0%) | 0.53 | 218 |
| 2022-04-01 | $199,450 (18.0%) | $271,425 (7.5%) | 0.48 | 273 |
| 2022-05-01 | $199,900 (25.0%) | $279,539 (7.1%) | 0.46 | 292 |
| 2022-06-01 | $193,640 (23.6%) | $266,398 (1.0%) | 0.43 | 368 |
| 2022-07-01 | $192,672 (20.5%) | $259,061 (7.1%) | 0.43 | 447 |
| 2022-08-01 | $195,547 (16.1%) | $256,517 (3.1%) | 0.45 | 449 |
| 2022-09-01 | $211,385 (18.1%) | $261,245 (9.1%) | 0.49 | 466 |
| 2022-10-01 | $211,900 (24.0%) | $276,762 (15.6%) | 0.50 | 475 |
| 2022-11-01 | $212,352 (17.8%) | $276,566 (11.4%) | 0.51 | 518 |
| 2022-12-01 | $202,495 (6.0%) | $269,802 (1.0%) | 0.50 | 481 |
| 2023-01-01 | $216,500 (8.3%) | $292,161 (10.1%) | 0.54 | 422 |
| 2023-02-01 | $223,269 (7.3%) | $316,957 (18.4%) | 0.54 | 363 |
| 2023-03-01 | $238,828 (13.2%) | $333,630 (20.0%) | 0.56 | 350 |
| 2023-04-01 | $239,900 (20.3%) | $330,987 (21.9%) | 0.56 | 374 |
| 2023-05-01 | $245,960 (23.0%) | $333,483 (19.3%) | 0.56 | 377 |
| 2023-06-01 | $250,175 (29.2%) | $357,843 (34.3%) | 0.56 | 395 |
| 2023-07-01 | $249,000 (29.2%) | $335,570 (29.5%) | 0.57 | 423 |
| 2023-08-01 | $242,000 (23.8%) | $364,820 (42.2%) | 0.56 | 456 |
| 2023-09-01 | $244,388 (15.6%) | $373,192 (42.9%) | 0.57 | 441 |
| 2023-10-01 | $249,900 (17.9%) | $360,985 (30.4%) | 0.59 | 500 |
| 2023-11-01 | $250,204 (17.8%) | $371,830 (34.5%) | 0.60 | 513 |
| 2023-12-01 | $251,000 (24.0%) | $370,861 (37.5%) | 0.61 | 512 |
| 2024-01-01 | $255,383 (18.0%) | $372,169 (27.4%) | 0.62 | 490 |
| 2024-02-01 | $252,119 (12.9%) | $387,433 (22.2%) | 0.61 | 442 |
| 2024-03-01 | $249,900 (4.6%) | $398,181 (19.4%) | 0.59 | 456 |
| 2024-04-01 | $248,086 (3.4%) | $377,924 (14.2%) | 0.58 | 472 |
| 2024-05-01 | $242,450 (-1.4%) | $362,550 (8.7%) | 0.55 | 505 |
| 2024-06-01 | $247,517 (-1.1%) | $369,582 (3.3%) | 0.56 | 485 |
| 2024-07-01 | $239,950 (-3.6%) | $370,908 (10.5%) | 0.55 | 481 |
| 2024-08-01 | $239,950 (-0.9%) | $345,758 (-5.2%) | 0.56 | 553 |
| 2024-09-01 | $240,988 (-1.4%) | $359,788 (-3.6%) | 0.57 | 592 |
| 2024-10-01 | $235,000 (-6.0%) | $357,974 (-0.8%) | 0.55 | 630 |
| 2024-11-01 | $233,617 (-6.6%) | $337,201 (-9.3%) | 0.56 | 653 |
| 2024-12-01 | $229,000 (-8.8%) | $311,049 (-16.1%) | 0.57 | 599 |
| 2025-01-01 | $228,000 (-10.7%) | $293,737 (-21.1%) | 0.57 | 547 |
| 2025-02-01 | $239,925 (-4.8%) | $305,683 (-21.1%) | 0.58 | 523 |
| 2025-03-01 | $238,950 (-4.4%) | $297,925 (-25.2%) | 0.56 | 516 |
| 2025-04-01 | $239,450 (-3.5%) | $300,361 (-20.5%) | 0.56 | 570 |
| 2025-05-01 | $255,000 (5.2%) | $310,901 (-14.3%) | 0.58 | 624 |
| 2025-06-01 | $248,938 (0.6%) | $298,938 (-19.1%) | 0.56 | 630 |
Joplin's median listing price comes in at 56% of the national average.
Joplin's average listing price for 2025-06-01 was $298,938, a difference of $-70,644 (-19.1%) versus the prior year and $-11,963 versus the prior month.
For the 2025-06-01 period, Joplin had 630 MLS listings, a difference of 6 listings (1%) versus the prior month and 145 listings (30%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Joplin (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 79 days | 1,742 sqft |
| 2018-02-01 | 77 days | 1,730 sqft |
| 2018-03-01 | 57 days | 1,747 sqft |
| 2018-04-01 | 56 days | 1,777 sqft |
| 2018-05-01 | 58 days | 1,802 sqft |
| 2018-06-01 | 57 days | 1,820 sqft |
| 2018-07-01 | 62 days | 1,820 sqft |
| 2018-08-01 | 56 days | 1,786 sqft |
| 2018-09-01 | 57 days | 1,763 sqft |
| 2018-10-01 | 67 days | 1,800 sqft |
| 2018-11-01 | 68 days | 1,800 sqft |
| 2018-12-01 | 71 days | 1,783 sqft |
| 2019-01-01 | 76 days | 1,751 sqft |
| 2019-02-01 | 87 days | 1,772 sqft |
| 2019-03-01 | 75 days | 1,764 sqft |
| 2019-04-01 | 59 days | 1,747 sqft |
| 2019-05-01 | 54 days | 1,791 sqft |
| 2019-06-01 | 54 days | 1,761 sqft |
| 2019-07-01 | 54 days | 1,786 sqft |
| 2019-08-01 | 57 days | 1,792 sqft |
| 2019-09-01 | 61 days | 1,781 sqft |
| 2019-10-01 | 61 days | 1,784 sqft |
| 2019-11-01 | 59 days | 1,791 sqft |
| 2019-12-01 | 75 days | 1,791 sqft |
| 2020-01-01 | 77 days | 1,797 sqft |
| 2020-02-01 | 71 days | 1,792 sqft |
| 2020-03-01 | 59 days | 1,768 sqft |
| 2020-04-01 | 51 days | 1,762 sqft |
| 2020-05-01 | 53 days | 1,780 sqft |
| 2020-06-01 | 53 days | 1,831 sqft |
| 2020-07-01 | 42 days | 1,814 sqft |
| 2020-08-01 | 40 days | 1,850 sqft |
| 2020-09-01 | 46 days | 1,935 sqft |
| 2020-10-01 | 35 days | 1,820 sqft |
| 2020-11-01 | 45 days | 1,786 sqft |
| 2020-12-01 | 54 days | 1,780 sqft |
| 2021-01-01 | 58 days | 1,837 sqft |
| 2021-02-01 | 64 days | 1,888 sqft |
| 2021-03-01 | 47 days | 1,911 sqft |
| 2021-04-01 | 37 days | 1,789 sqft |
| 2021-05-01 | 29 days | 1,780 sqft |
| 2021-06-01 | 29 days | 1,730 sqft |
| 2021-07-01 | 30 days | 1,684 sqft |
| 2021-08-01 | 30 days | 1,755 sqft |
| 2021-09-01 | 32 days | 1,723 sqft |
| 2021-10-01 | 44 days | 1,750 sqft |
| 2021-11-01 | 49 days | 1,770 sqft |
| 2021-12-01 | 54 days | 1,750 sqft |
| 2022-01-01 | 59 days | 1,851 sqft |
| 2022-02-01 | 35 days | 1,892 sqft |
| 2022-03-01 | 22 days | 1,797 sqft |
| 2022-04-01 | 22 days | 1,734 sqft |
| 2022-05-01 | 31 days | 1,744 sqft |
| 2022-06-01 | 28 days | 1,704 sqft |
| 2022-07-01 | 32 days | 1,726 sqft |
| 2022-08-01 | 39 days | 1,666 sqft |
| 2022-09-01 | 44 days | 1,749 sqft |
| 2022-10-01 | 45 days | 1,750 sqft |
| 2022-11-01 | 44 days | 1,721 sqft |
| 2022-12-01 | 51 days | 1,685 sqft |
| 2023-01-01 | 70 days | 1,703 sqft |
| 2023-02-01 | 69 days | 1,755 sqft |
| 2023-03-01 | 38 days | 1,764 sqft |
| 2023-04-01 | 32 days | 1,760 sqft |
| 2023-05-01 | 38 days | 1,782 sqft |
| 2023-06-01 | 37 days | 1,880 sqft |
| 2023-07-01 | 37 days | 1,800 sqft |
| 2023-08-01 | 38 days | 1,797 sqft |
| 2023-09-01 | 45 days | 1,822 sqft |
| 2023-10-01 | 41 days | 1,828 sqft |
| 2023-11-01 | 46 days | 1,823 sqft |
| 2023-12-01 | 57 days | 1,800 sqft |
| 2024-01-01 | 66 days | 1,786 sqft |
| 2024-02-01 | 66 days | 1,779 sqft |
| 2024-03-01 | 54 days | 1,764 sqft |
| 2024-04-01 | 45 days | 1,742 sqft |
| 2024-05-01 | 39 days | 1,734 sqft |
| 2024-06-01 | 47 days | 1,800 sqft |
| 2024-07-01 | 45 days | 1,816 sqft |
| 2024-08-01 | 39 days | 1,794 sqft |
| 2024-09-01 | 44 days | 1,761 sqft |
| 2024-10-01 | 48 days | 1,763 sqft |
| 2024-11-01 | 51 days | 1,752 sqft |
| 2024-12-01 | 55 days | 1,714 sqft |
| 2025-01-01 | 65 days | 1,697 sqft |
| 2025-02-01 | 67 days | 1,751 sqft |
| 2025-03-01 | 50 days | 1,732 sqft |
| 2025-04-01 | 41 days | 1,798 sqft |
| 2025-05-01 | 44 days | 1,842 sqft |
| 2025-06-01 | 47 days | 1,800 sqft |
Joplin's median square footage for active listings during the 2025-06-01 period was 1,800 sqft. One year prior, the average listing was 1,800 sqft.