Kill Devil Hills USDA Loan Rates, Closing Costs & Stats

Kill Devil Hills, NC

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.

Kill Devil Hills's 1 lenders originated 1 USDA loans during 2022. The total origination value was $325,000, with an average USDA loan value of $325,000.

Kill Devil Hills USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Kill Devil Hills averaged 6.06% for the week of 2024-03-01, compared to the national average (all USDA variants) of 6.729% for the same period.

Kill Devil Hills's average USDA mortgage closing costs are $5,651.

The average rate for the prior week (2024-02-23) was 6.21% and one month ago for the week of 2024-01-26, the average rate was 6.07%.

The average rate one year ago was 5.63%.

For refis of the same type during the week of 2024-03-01, the average rate was 5.21%.

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

Kill Devil Hills 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 Kill Devil Hills level.

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
United Community Bank 1 3.13% $16,363

The lowest fee Kill Devil Hills USDA lenders (with over 10 loans originated) are .

The lowest rate Kill Devil Hills USDA lenders (with over 10 loans originated) are .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Kill Devil Hills (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 $442,838 (4.2%) $586,173 (2.7%) 0.00 908
2018-02-01 $446,725 (3.8%) $584,989 (1.5%) 0.00 938
2018-03-01 $449,900 (4.9%) $587,721 (2.3%) 0.00 997
2018-04-01 $457,500 (6.2%) $587,349 (2.9%) 0.00 996
2018-05-01 $454,950 (2.8%) $580,845 (0.2%) 0.00 1,009
2018-06-01 $439,000 (0.0%) $564,970 (-1.5%) 0.00 1,008
2018-07-01 $434,800 (-1.1%) $561,225 (-2.3%) 0.00 983
2018-08-01 $432,175 (-1.6%) $560,136 (-4.0%) 0.00 996
2018-09-01 $434,900 (-0.9%) $561,858 (-4.9%) 0.00 1,015
2018-10-01 $434,800 (-2.2%) $564,515 (-5.6%) 0.00 1,021
2018-11-01 $424,850 (-5.4%) $568,477 (-4.1%) 0.00 1,025
2018-12-01 $419,000 (-6.4%) $564,563 (-3.5%) 0.00 1,002
2019-01-01 $425,000 (-4.0%) $560,243 (-4.4%) 0.00 978
2019-02-01 $429,500 (-3.9%) $561,468 (-4.0%) 0.00 1,009
2019-03-01 $439,557 (-2.3%) $567,514 (-3.4%) 0.00 1,073
2019-04-01 $445,332 (-2.7%) $573,041 (-2.4%) 0.00 1,115
2019-05-01 $445,350 (-2.1%) $569,775 (-1.9%) 0.00 1,103
2019-06-01 $449,000 (2.3%) $572,260 (1.3%) 0.00 1,052
2019-07-01 $450,000 (3.5%) $568,801 (1.4%) 0.00 988
2019-08-01 $456,091 (5.5%) $564,771 (0.8%) 0.00 963
2019-09-01 $457,727 (5.3%) $560,113 (-0.3%) 0.00 952
2019-10-01 $462,000 (6.3%) $559,968 (-0.8%) 0.00 930
2019-11-01 $464,000 (9.2%) $566,443 (-0.4%) 0.00 905
2019-12-01 $464,950 (11.0%) $571,048 (1.2%) 0.00 873
2020-01-01 $469,950 (10.6%) $563,271 (0.5%) 0.00 814
2020-02-01 $464,950 (8.3%) $558,222 (-0.6%) 0.00 816
2020-03-01 $477,250 (8.6%) $572,276 (0.8%) 0.00 844
2020-04-01 $478,750 (7.5%) $564,456 (-1.5%) 0.00 832
2020-05-01 $479,000 (7.6%) $575,358 (1.0%) 0.00 811
2020-06-01 $499,700 (11.3%) $608,218 (6.3%) 0.00 687
2020-07-01 $499,000 (10.9%) $623,035 (9.5%) 0.00 605
2020-08-01 $524,900 (15.1%) $645,432 (14.3%) 0.00 528
2020-09-01 $539,000 (17.8%) $679,102 (21.2%) 0.00 477
2020-10-01 $535,000 (15.8%) $690,635 (23.3%) 0.00 469
2020-11-01 $537,500 (15.8%) $698,620 (23.3%) 0.00 452
2020-12-01 $525,000 (12.9%) $697,598 (22.2%) 0.00 409
2021-01-01 $549,000 (16.8%) $714,896 (26.9%) 0.00 367
2021-02-01 $537,500 (15.6%) $746,541 (33.7%) 0.00 289
2021-03-01 $536,000 (12.3%) $764,205 (33.5%) 0.00 253
2021-04-01 $587,475 (22.7%) $814,014 (44.2%) 0.00 265
2021-05-01 $599,900 (25.2%) $849,378 (47.6%) 0.00 247
2021-06-01 $642,225 (28.5%) $899,057 (47.8%) 0.00 266
2021-07-01 $648,110 (29.9%) $871,740 (39.9%) 0.00 289
2021-08-01 $639,055 (21.8%) $830,182 (28.6%) 0.00 329
2021-09-01 $620,750 (15.2%) $811,532 (19.5%) 0.00 311
2021-10-01 $606,000 (13.3%) $830,365 (20.2%) 0.00 278
2021-11-01 $646,750 (20.3%) $914,226 (30.9%) 0.00 256
2021-12-01 $659,975 (25.7%) $966,506 (38.6%) 0.00 227
2022-01-01 $699,000 (27.3%) $1,069,936 (49.7%) 0.00 199
2022-02-01 $662,000 (23.2%) $943,788 (26.4%) 0.00 165
2022-03-01 $720,950 (34.5%) $983,344 (28.7%) 0.00 164
2022-04-01 $725,000 (23.4%) $965,878 (18.7%) 0.00 179
2022-05-01 $739,450 (23.3%) $989,447 (16.5%) 0.00 232
2022-06-01 $699,000 (8.8%) $954,000 (6.1%) 0.00 290
2022-07-01 $695,000 (7.2%) $962,004 (10.4%) 0.00 343
2022-08-01 $676,200 (5.8%) $943,060 (13.6%) 0.00 351
2022-09-01 $686,326 (10.6%) $931,478 (14.8%) 0.00 324
2022-10-01 $672,500 (11.0%) $921,895 (11.0%) 0.00 316
2022-11-01 $672,259 (3.9%) $925,944 (1.3%) 0.00 321
2022-12-01 $629,950 (-4.6%) $860,883 (-10.9%) 0.00 325
2023-01-01 $672,009 (-3.9%) $872,207 (-18.5%) 0.00 280
2023-02-01 $649,700 (-1.9%) $899,128 (-4.7%) 0.00 249
2023-03-01 $671,008 (-6.9%) $939,838 (-4.4%) 0.00 241
2023-04-01 $670,000 (-7.6%) $940,727 (-2.6%) 0.00 238
2023-05-01 $687,000 (-7.1%) $999,619 (1.0%) 0.00 238
2023-06-01 $714,450 (2.2%) $1,045,309 (9.6%) 0.00 243
2023-07-01 $692,450 (-0.4%) $996,747 (3.6%) 0.00 261
2023-08-01 $686,875 (1.6%) $965,771 (2.4%) 0.00 288
2023-09-01 $699,950 (2.0%) $961,152 (3.2%) 0.00 327
2023-10-01 $699,225 (4.0%) $941,253 (2.1%) 0.00 331
2023-11-01 $722,625 (7.5%) $934,760 (1.0%) 0.00 368
2023-12-01 $749,000 (18.9%) $955,608 (11.0%) 0.00 353
2024-01-01 $709,750 (5.6%) $950,830 (9.0%) 0.00 332
Kill Devil Hills's median listing price for 2024-01-01 was $709,750, a difference of $37,741 (5.6%) versus the prior year and $-39,250 versus the prior month.

Kill Devil Hills's median listing price comes in at 0% of the national average.

Kill Devil Hills's average listing price for 2024-01-01 was $950,830, a difference of $78,623 (9.0%) versus the prior year and $-4,778 versus the prior month.

For the 2024-01-01 period, Kill Devil Hills had 332 MLS listings, a difference of -21 listings (-6%) versus the prior month and 52 listings (19%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Kill Devil Hills (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,146 sqft
2018-02-01 0 days 2,152 sqft
2018-03-01 0 days 2,182 sqft
2018-04-01 0 days 2,202 sqft
2018-05-01 0 days 2,191 sqft
2018-06-01 0 days 2,119 sqft
2018-07-01 0 days 2,100 sqft
2018-08-01 0 days 2,126 sqft
2018-09-01 0 days 2,125 sqft
2018-10-01 0 days 2,092 sqft
2018-11-01 0 days 2,056 sqft
2018-12-01 0 days 2,019 sqft
2019-01-01 0 days 2,022 sqft
2019-02-01 0 days 2,022 sqft
2019-03-01 0 days 2,045 sqft
2019-04-01 0 days 2,061 sqft
2019-05-01 0 days 2,048 sqft
2019-06-01 0 days 2,029 sqft
2019-07-01 0 days 2,039 sqft
2019-08-01 0 days 2,049 sqft
2019-09-01 0 days 2,078 sqft
2019-10-01 0 days 2,123 sqft
2019-11-01 0 days 2,144 sqft
2019-12-01 0 days 2,125 sqft
2020-01-01 0 days 2,139 sqft
2020-02-01 0 days 2,133 sqft
2020-03-01 0 days 2,187 sqft
2020-04-01 0 days 2,181 sqft
2020-05-01 0 days 2,171 sqft
2020-06-01 0 days 2,294 sqft
2020-07-01 0 days 2,286 sqft
2020-08-01 0 days 2,321 sqft
2020-09-01 0 days 2,337 sqft
2020-10-01 0 days 2,210 sqft
2020-11-01 0 days 2,241 sqft
2020-12-01 0 days 2,199 sqft
2021-01-01 0 days 2,261 sqft
2021-02-01 0 days 2,318 sqft
2021-03-01 0 days 2,250 sqft
2021-04-01 0 days 2,273 sqft
2021-05-01 0 days 2,200 sqft
2021-06-01 0 days 2,191 sqft
2021-07-01 0 days 2,168 sqft
2021-08-01 0 days 2,075 sqft
2021-09-01 0 days 2,006 sqft
2021-10-01 0 days 2,002 sqft
2021-11-01 0 days 2,110 sqft
2021-12-01 0 days 2,105 sqft
2022-01-01 0 days 2,292 sqft
2022-02-01 0 days 2,085 sqft
2022-03-01 0 days 2,272 sqft
2022-04-01 0 days 2,267 sqft
2022-05-01 0 days 2,206 sqft
2022-06-01 0 days 2,052 sqft
2022-07-01 0 days 2,067 sqft
2022-08-01 0 days 2,005 sqft
2022-09-01 0 days 1,985 sqft
2022-10-01 0 days 1,990 sqft
2022-11-01 0 days 1,951 sqft
2022-12-01 0 days 1,880 sqft
2023-01-01 0 days 1,988 sqft
2023-02-01 0 days 2,024 sqft
2023-03-01 0 days 2,112 sqft
2023-04-01 0 days 2,112 sqft
2023-05-01 0 days 2,156 sqft
2023-06-01 0 days 2,164 sqft
2023-07-01 0 days 2,109 sqft
2023-08-01 0 days 2,069 sqft
2023-09-01 0 days 2,063 sqft
2023-10-01 0 days 2,086 sqft
2023-11-01 0 days 2,069 sqft
2023-12-01 0 days 2,020 sqft
2024-01-01 0 days 1,954 sqft
Kill Devil Hills's median listing age (time on market) for 2024-01-01 was 0 days.

Kill Devil Hills's median square footage for active listings during the 2024-01-01 period was 1,954 sqft. One year prior, the average listing was 1,988 sqft.