Kearney USDA Loan Rates, Closing Costs & Stats
Kearney, NE
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.
Kearney's 4 lenders originated 5 USDA loans during 2023. The total origination value was $735,000, with an average USDA loan value of $147,000.
Kearney USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Kearney
averaged
6.23%
for the week of 2024-12-06, compared to the national average (all USDA variants) of
6.328% for the same period.
Kearney's average USDA mortgage closing costs are $3,973.
The average rate for the prior week (2024-11-29) was
6.7% and
one month ago for the week of 2024-11-01, the
average rate was 6.25%.
The average rate one year ago was 7.17%.
For refis of the same type during the week of 2024-12-06, the average rate
was 6.53%.
Kearney 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 Kearney level.
Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
---|---|---|---|
Pinnacle Bank | 2 | 6.25% | $4,642 |
CHARTER WEST BANK | 1 | 6.88% | $4,991 |
Members Mortgage Services, L.L.C. | 1 | 6.63% | $4,745 |
MORIA DEVELOPMENT, INC. | 1 | 6.50% | $7,493 |
The top Kearney USDA lender as defined by loan originations is Pinnacle Bank, with
2 USDA loans originated. Their average total fees are
$4,642, which is $348
lower than the next largest lender,
CHARTER WEST BANK.
The lowest fee Kearney USDA lenders (with over 10 loans originated) are
.
The lowest rate Kearney USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Kearney (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $201,650 (-6.5%) | $243,191 (7.5%) | 0.00 | 132 |
2018-02-01 | $206,725 (1.6%) | $244,694 (4.7%) | 0.00 | 135 |
2018-03-01 | $225,000 (14.4%) | $254,100 (6.8%) | 0.00 | 132 |
2018-04-01 | $217,425 (10.1%) | $248,589 (4.2%) | 0.00 | 139 |
2018-05-01 | $230,750 (3.7%) | $259,462 (1.5%) | 0.00 | 142 |
2018-06-01 | $234,950 (1.3%) | $266,041 (-2.3%) | 0.00 | 157 |
2018-07-01 | $229,650 (0.6%) | $268,691 (-0.3%) | 0.00 | 156 |
2018-08-01 | $220,000 (-5.4%) | $256,871 (-3.1%) | 0.00 | 159 |
2018-09-01 | $219,900 (-6.8%) | $247,433 (-7.8%) | 0.00 | 160 |
2018-10-01 | $218,925 (-1.7%) | $244,147 (-6.6%) | 0.00 | 174 |
2018-11-01 | $214,225 (-2.5%) | $239,581 (-5.6%) | 0.00 | 172 |
2018-12-01 | $200,000 (-2.4%) | $231,729 (-7.3%) | 0.00 | 174 |
2019-01-01 | $195,400 (-3.1%) | $225,739 (-7.2%) | 0.00 | 169 |
2019-02-01 | $197,175 (-4.6%) | $228,630 (-6.6%) | 0.00 | 165 |
2019-03-01 | $218,514 (-2.9%) | $239,372 (-5.8%) | 0.00 | 166 |
2019-04-01 | $228,575 (5.1%) | $242,996 (-2.3%) | 0.00 | 174 |
2019-05-01 | $219,375 (-4.9%) | $236,495 (-8.9%) | 0.00 | 172 |
2019-06-01 | $225,000 (-4.2%) | $245,272 (-7.8%) | 0.00 | 166 |
2019-07-01 | $229,225 (-0.2%) | $244,328 (-9.1%) | 0.00 | 154 |
2019-08-01 | $228,209 (3.7%) | $242,265 (-5.7%) | 0.00 | 154 |
2019-09-01 | $226,348 (2.9%) | $243,964 (-1.4%) | 0.00 | 151 |
2019-10-01 | $224,900 (2.7%) | $243,243 (-0.4%) | 0.00 | 148 |
2019-11-01 | $219,000 (2.2%) | $239,515 (0.0%) | 0.00 | 133 |
2019-12-01 | $214,900 (7.5%) | $232,429 (0.3%) | 0.00 | 128 |
2020-01-01 | $209,950 (7.5%) | $224,656 (-0.5%) | 0.00 | 121 |
2020-02-01 | $198,250 (0.6%) | $224,641 (-1.8%) | 0.00 | 103 |
2020-03-01 | $209,900 (-3.9%) | $236,357 (-1.3%) | 0.00 | 97 |
2020-04-01 | $209,425 (-8.4%) | $243,672 (0.3%) | 0.00 | 102 |
2020-05-01 | $242,500 (10.5%) | $265,009 (12.1%) | 0.00 | 90 |
2020-06-01 | $255,650 (13.6%) | $284,091 (15.8%) | 0.00 | 85 |
2020-07-01 | $257,725 (12.4%) | $289,643 (18.6%) | 0.00 | 81 |
2020-08-01 | $254,950 (11.7%) | $277,951 (14.7%) | 0.00 | 86 |
2020-09-01 | $216,075 (-4.5%) | $246,315 (1.0%) | 0.00 | 63 |
2020-10-01 | $213,500 (-5.1%) | $250,616 (3.0%) | 0.00 | 67 |
2020-11-01 | $230,950 (5.5%) | $267,408 (11.7%) | 0.00 | 63 |
2020-12-01 | $236,200 (9.9%) | $275,384 (18.5%) | 0.00 | 53 |
2021-01-01 | $239,900 (14.3%) | $300,959 (34.0%) | 0.00 | 37 |
2021-02-01 | $281,225 (41.9%) | $312,013 (38.9%) | 0.00 | 38 |
2021-03-01 | $274,950 (31.0%) | $318,012 (34.6%) | 0.00 | 34 |
2021-04-01 | $333,250 (59.1%) | $368,245 (51.1%) | 0.00 | 26 |
2021-05-01 | $266,200 (9.8%) | $352,223 (32.9%) | 0.00 | 31 |
2021-06-01 | $241,675 (-5.5%) | $341,510 (20.2%) | 0.00 | 39 |
2021-07-01 | $259,900 (0.8%) | $358,854 (23.9%) | 0.00 | 41 |
2021-08-01 | $266,875 (4.7%) | $369,204 (32.8%) | 0.00 | 45 |
2021-09-01 | $249,975 (15.7%) | $352,455 (43.1%) | 0.00 | 51 |
2021-10-01 | $284,900 (33.4%) | $335,290 (33.8%) | 0.00 | 51 |
2021-11-01 | $244,250 (5.8%) | $292,621 (9.4%) | 0.00 | 61 |
2021-12-01 | $265,925 (12.6%) | $288,324 (4.7%) | 0.00 | 48 |
2022-01-01 | $269,000 (12.1%) | $289,003 (-4.0%) | 0.00 | 37 |
2022-02-01 | $284,600 (1.2%) | $303,093 (-2.9%) | 0.00 | 30 |
2022-03-01 | $315,000 (14.6%) | $317,012 (-0.3%) | 0.00 | 27 |
2022-04-01 | $317,500 (-4.7%) | $313,704 (-14.8%) | 0.00 | 29 |
2022-05-01 | $267,450 (0.5%) | $304,443 (-13.6%) | 0.00 | 37 |
2022-06-01 | $329,700 (36.4%) | $362,907 (6.3%) | 0.00 | 51 |
2022-07-01 | $329,700 (26.9%) | $371,997 (3.7%) | 0.00 | 60 |
2022-08-01 | $284,900 (6.8%) | $352,474 (-4.5%) | 0.00 | 69 |
2022-09-01 | $284,800 (13.9%) | $342,308 (-2.9%) | 0.00 | 77 |
2022-10-01 | $312,900 (9.8%) | $352,179 (5.0%) | 0.00 | 76 |
2022-11-01 | $319,900 (31.0%) | $354,005 (21.0%) | 0.00 | 71 |
2022-12-01 | $319,900 (20.3%) | $335,388 (16.3%) | 0.00 | 61 |
2023-01-01 | $322,900 (20.0%) | $323,943 (12.1%) | 0.00 | 56 |
2023-02-01 | $346,225 (21.7%) | $331,555 (9.4%) | 0.00 | 47 |
2023-03-01 | $351,150 (11.5%) | $361,753 (14.1%) | 0.00 | 42 |
2023-04-01 | $349,900 (10.2%) | $359,905 (14.7%) | 0.00 | 38 |
2023-05-01 | $379,000 (41.7%) | $389,223 (27.9%) | 0.00 | 39 |
2023-06-01 | $332,250 (0.8%) | $353,632 (-2.6%) | 0.00 | 49 |
2023-07-01 | $315,000 (-4.5%) | $339,403 (-8.8%) | 0.00 | 64 |
2023-08-01 | $334,675 (17.5%) | $363,151 (3.0%) | 0.00 | 71 |
2023-09-01 | $332,350 (16.7%) | $352,259 (2.9%) | 0.00 | 75 |
2023-10-01 | $333,400 (6.6%) | $348,527 (-1.0%) | 0.00 | 96 |
2023-11-01 | $330,625 (3.4%) | $352,542 (-0.4%) | 0.00 | 105 |
2023-12-01 | $329,950 (3.1%) | $360,927 (7.6%) | 0.00 | 95 |
2024-01-01 | $331,550 (2.7%) | $360,193 (11.2%) | 0.00 | 85 |
2024-02-01 | $333,400 (-3.7%) | $359,239 (8.4%) | 0.00 | 77 |
2024-03-01 | $344,850 (-1.8%) | $410,098 (13.4%) | 0.00 | 55 |
2024-04-01 | $321,175 (-8.2%) | $413,944 (15.0%) | 0.00 | 66 |
2024-05-01 | $335,000 (-11.6%) | $446,946 (14.8%) | 0.00 | 72 |
2024-06-01 | $329,950 (-0.7%) | $426,037 (20.5%) | 0.00 | 78 |
2024-07-01 | $317,450 (0.8%) | $421,567 (24.2%) | 0.00 | 84 |
2024-08-01 | $319,900 (-4.4%) | $404,851 (11.5%) | 0.00 | 93 |
2024-09-01 | $340,000 (2.3%) | $397,510 (12.9%) | 0.00 | 93 |
2024-10-01 | $332,250 (-0.3%) | $380,910 (9.3%) | 0.00 | 84 |
2024-11-01 | $349,400 (5.7%) | $389,246 (10.4%) | 0.00 | 79 |
Kearney's median listing price comes in at 0% of the national average.
Kearney's average listing price for 2024-11-01 was $389,246, a difference of $36,704 (10.4%) versus the prior year and $8,336 versus the prior month.
For the 2024-11-01 period, Kearney had 79 MLS listings, a difference of -5 listings (-6%) versus the prior month and -26 listings (-25%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Kearney (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 2,454 sqft |
2018-02-01 | 0 days | 2,490 sqft |
2018-03-01 | 0 days | 2,659 sqft |
2018-04-01 | 0 days | 2,401 sqft |
2018-05-01 | 0 days | 2,693 sqft |
2018-06-01 | 0 days | 2,744 sqft |
2018-07-01 | 0 days | 2,673 sqft |
2018-08-01 | 0 days | 2,562 sqft |
2018-09-01 | 0 days | 2,544 sqft |
2018-10-01 | 0 days | 2,540 sqft |
2018-11-01 | 0 days | 2,496 sqft |
2018-12-01 | 0 days | 2,464 sqft |
2019-01-01 | 0 days | 2,404 sqft |
2019-02-01 | 0 days | 2,434 sqft |
2019-03-01 | 0 days | 2,539 sqft |
2019-04-01 | 0 days | 2,532 sqft |
2019-05-01 | 0 days | 2,498 sqft |
2019-06-01 | 0 days | 2,542 sqft |
2019-07-01 | 0 days | 2,580 sqft |
2019-08-01 | 0 days | 2,564 sqft |
2019-09-01 | 0 days | 2,564 sqft |
2019-10-01 | 0 days | 2,563 sqft |
2019-11-01 | 0 days | 2,520 sqft |
2019-12-01 | 0 days | 2,520 sqft |
2020-01-01 | 0 days | 2,444 sqft |
2020-02-01 | 0 days | 2,356 sqft |
2020-03-01 | 0 days | 2,349 sqft |
2020-04-01 | 0 days | 2,588 sqft |
2020-05-01 | 0 days | 2,602 sqft |
2020-06-01 | 0 days | 2,645 sqft |
2020-07-01 | 0 days | 2,696 sqft |
2020-08-01 | 0 days | 2,688 sqft |
2020-09-01 | 0 days | 2,514 sqft |
2020-10-01 | 0 days | 2,520 sqft |
2020-11-01 | 0 days | 2,507 sqft |
2020-12-01 | 0 days | 2,520 sqft |
2021-01-01 | 0 days | 2,704 sqft |
2021-02-01 | 0 days | 2,920 sqft |
2021-03-01 | 0 days | 2,886 sqft |
2021-04-01 | 0 days | 3,168 sqft |
2021-05-01 | 0 days | 2,746 sqft |
2021-06-01 | 0 days | 2,608 sqft |
2021-07-01 | 0 days | 2,621 sqft |
2021-08-01 | 0 days | 2,706 sqft |
2021-09-01 | 0 days | 2,648 sqft |
2021-10-01 | 0 days | 2,740 sqft |
2021-11-01 | 0 days | 2,602 sqft |
2021-12-01 | 0 days | 2,597 sqft |
2022-01-01 | 0 days | 2,760 sqft |
2022-02-01 | 0 days | 2,707 sqft |
2022-03-01 | 0 days | 2,585 sqft |
2022-04-01 | 0 days | 2,548 sqft |
2022-05-01 | 0 days | 2,548 sqft |
2022-06-01 | 0 days | 2,576 sqft |
2022-07-01 | 0 days | 2,576 sqft |
2022-08-01 | 0 days | 2,572 sqft |
2022-09-01 | 0 days | 2,566 sqft |
2022-10-01 | 0 days | 2,734 sqft |
2022-11-01 | 0 days | 2,725 sqft |
2022-12-01 | 0 days | 2,667 sqft |
2023-01-01 | 0 days | 2,543 sqft |
2023-02-01 | 0 days | 2,555 sqft |
2023-03-01 | 0 days | 2,755 sqft |
2023-04-01 | 0 days | 2,754 sqft |
2023-05-01 | 0 days | 2,777 sqft |
2023-06-01 | 0 days | 2,631 sqft |
2023-07-01 | 0 days | 2,614 sqft |
2023-08-01 | 0 days | 2,728 sqft |
2023-09-01 | 0 days | 2,751 sqft |
2023-10-01 | 0 days | 2,718 sqft |
2023-11-01 | 0 days | 2,715 sqft |
2023-12-01 | 0 days | 2,693 sqft |
2024-01-01 | 0 days | 2,717 sqft |
2024-02-01 | 0 days | 2,569 sqft |
2024-03-01 | 0 days | 2,568 sqft |
2024-04-01 | 0 days | 2,622 sqft |
2024-05-01 | 0 days | 2,677 sqft |
2024-06-01 | 0 days | 2,664 sqft |
2024-07-01 | 0 days | 2,580 sqft |
2024-08-01 | 0 days | 2,524 sqft |
2024-09-01 | 0 days | 2,669 sqft |
2024-10-01 | 0 days | 2,600 sqft |
2024-11-01 | 0 days | 2,808 sqft |
Kearney's median square footage for active listings during the 2024-11-01 period was 2,808 sqft. One year prior, the average listing was 2,715 sqft.