Kingston USDA Loan Rates, Closing Costs & Stats

KINGSTON, NY

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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.

    Kingston's 1 lenders originated 1 USDA loans during 2024. The total origination value was $255,000, with an average USDA loan value of $255,000.

    Kingston USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Kingston averaged 6.52% for the week of 2025-05-23, compared to the national average (all USDA variants) of 6.433% for the same period.

    Kingston's average USDA mortgage closing costs are $5,762.

    The average rate for the prior week (2025-05-16) was 6.56% and one month ago for the week of 2025-04-18, the average rate was 6.64%.

    The average rate one year ago was 7.11%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.86%.

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

    Kingston 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 Kingston level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    HOMESTEAD FUNDING CORP. 1 6.25% $6,846

    The lowest fee Kingston USDA lenders (with over 10 loans originated) are .

    The lowest rate Kingston USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Kingston (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 $270,000 (13.0%) $448,366 (19.5%) 1.00 1,017
    2018-02-01 $267,000 (11.3%) $442,299 (19.4%) 0.97 976
    2018-03-01 $274,900 (14.8%) $463,324 (25.6%) 0.96 956
    2018-04-01 $299,000 (20.1%) $504,521 (33.3%) 1.01 812
    2018-05-01 $299,823 (15.3%) $510,830 (33.9%) 1.00 933
    2018-06-01 $300,000 (11.5%) $497,928 (28.2%) 1.00 1,079
    2018-07-01 $299,900 (11.1%) $480,424 (18.6%) 1.00 1,079
    2018-08-01 $304,500 (14.9%) $474,393 (16.5%) 1.02 1,060
    2018-09-01 $299,900 (11.9%) $462,726 (12.0%) 1.01 1,067
    2018-10-01 $299,900 (10.1%) $479,881 (13.5%) 1.02 1,059
    2018-11-01 $299,950 (9.7%) $490,454 (14.2%) 1.02 1,002
    2018-12-01 $299,000 (9.9%) $476,916 (8.4%) 1.03 931
    2019-01-01 $299,000 (10.7%) $473,687 (5.7%) 1.03 840
    2019-02-01 $299,450 (12.2%) $484,967 (9.7%) 1.01 809
    2019-03-01 $292,957 (6.6%) $466,868 (0.8%) 0.96 930
    2019-04-01 $284,975 (-4.7%) $437,441 (-13.3%) 0.90 1,127
    2019-05-01 $286,750 (-4.4%) $434,845 (-14.9%) 0.90 1,258
    2019-06-01 $349,000 (16.3%) $500,475 (0.5%) 1.09 1,000
    2019-07-01 $342,500 (14.2%) $489,837 (2.0%) 1.07 1,053
    2019-08-01 $337,000 (10.7%) $483,213 (1.9%) 1.07 1,068
    2019-09-01 $332,500 (10.9%) $472,171 (2.0%) 1.06 1,091
    2019-10-01 $327,000 (9.0%) $463,047 (-3.5%) 1.06 1,097
    2019-11-01 $324,900 (8.3%) $463,164 (-5.6%) 1.07 1,043
    2019-12-01 $324,950 (8.7%) $469,030 (-1.7%) 1.08 929
    2020-01-01 $328,450 (9.9%) $461,464 (-2.6%) 1.10 778
    2020-02-01 $329,000 (9.9%) $459,814 (-5.2%) 1.08 731
    2020-03-01 $344,900 (17.7%) $474,995 (1.7%) 1.08 784
    2020-04-01 $347,500 (21.9%) $488,827 (11.8%) 1.09 763
    2020-05-01 $349,900 (22.0%) $500,472 (15.1%) 1.06 700
    2020-06-01 $359,450 (3.0%) $499,261 (-0.2%) 1.06 670
    2020-07-01 $361,250 (5.5%) $504,182 (2.9%) 1.05 736
    2020-08-01 $375,000 (11.3%) $532,638 (10.2%) 1.07 758
    2020-09-01 $384,900 (15.8%) $531,634 (12.6%) 1.10 811
    2020-10-01 $399,000 (22.0%) $558,968 (20.7%) 1.14 801
    2020-11-01 $400,000 (23.1%) $586,008 (26.5%) 1.17 701
    2020-12-01 $402,500 (23.9%) $587,939 (25.4%) 1.20 628
    2021-01-01 $409,450 (24.7%) $595,685 (29.1%) 1.22 538
    2021-02-01 $409,000 (24.3%) $601,276 (30.8%) 1.19 453
    2021-03-01 $404,250 (17.2%) $608,032 (28.0%) 1.15 425
    2021-04-01 $411,000 (18.3%) $616,070 (26.0%) 1.11 425
    2021-05-01 $400,000 (14.3%) $600,383 (20.0%) 1.06 463
    2021-06-01 $418,475 (16.4%) $616,234 (23.4%) 1.10 493
    2021-07-01 $429,450 (18.9%) $649,230 (28.8%) 1.13 529
    2021-08-01 $438,750 (17.0%) $652,912 (22.6%) 1.17 576
    2021-09-01 $427,450 (11.1%) $660,258 (24.2%) 1.14 593
    2021-10-01 $404,900 (1.5%) $670,364 (19.9%) 1.08 591
    2021-11-01 $412,500 (3.1%) $664,852 (13.5%) 1.10 541
    2021-12-01 $423,500 (5.2%) $680,324 (15.7%) 1.15 448
    2022-01-01 $438,500 (7.1%) $708,048 (18.9%) 1.19 360
    2022-02-01 $449,999 (10.0%) $754,977 (25.6%) 1.17 280
    2022-03-01 $449,450 (11.2%) $705,986 (16.1%) 1.13 280
    2022-04-01 $449,999 (9.5%) $693,724 (12.6%) 1.07 304
    2022-05-01 $457,225 (14.3%) $683,079 (13.8%) 1.05 370
    2022-06-01 $499,000 (19.2%) $749,855 (21.7%) 1.11 513
    2022-07-01 $499,450 (16.3%) $742,620 (14.4%) 1.13 608
    2022-08-01 $499,700 (13.9%) $754,257 (15.5%) 1.16 628
    2022-09-01 $499,000 (16.7%) $746,395 (13.1%) 1.17 628
    2022-10-01 $495,167 (22.3%) $724,798 (8.1%) 1.17 630
    2022-11-01 $499,000 (21.0%) $726,191 (9.2%) 1.20 605
    2022-12-01 $489,900 (15.7%) $720,567 (5.9%) 1.21 534
    2023-01-01 $470,975 (7.4%) $677,275 (-4.4%) 1.17 452
    2023-02-01 $488,000 (8.4%) $679,518 (-10.0%) 1.18 388
    2023-03-01 $484,000 (7.7%) $673,740 (-4.6%) 1.14 372
    2023-04-01 $499,000 (10.9%) $753,891 (8.7%) 1.16 396
    2023-05-01 $526,000 (15.0%) $744,242 (9.0%) 1.19 448
    2023-06-01 $569,000 (14.0%) $784,849 (4.7%) 1.28 479
    2023-07-01 $569,450 (14.0%) $777,768 (4.7%) 1.29 527
    2023-08-01 $552,250 (10.5%) $778,860 (3.3%) 1.27 553
    2023-09-01 $574,900 (15.2%) $800,875 (7.3%) 1.34 609
    2023-10-01 $563,225 (13.7%) $801,980 (10.7%) 1.33 599
    2023-11-01 $549,950 (10.2%) $792,760 (9.2%) 1.31 606
    2023-12-01 $575,000 (17.4%) $827,321 (14.8%) 1.40 485
    2024-01-01 $561,200 (19.2%) $817,719 (20.7%) 1.37 399
    2024-02-01 $564,950 (15.8%) $817,166 (20.3%) 1.36 395
    2024-03-01 $549,000 (13.4%) $817,318 (21.3%) 1.29 387
    2024-04-01 $549,950 (10.2%) $806,502 (7.0%) 1.28 420
    2024-05-01 $592,000 (12.6%) $843,825 (13.4%) 1.35 469
    2024-06-01 $599,000 (5.3%) $863,377 (10.0%) 1.36 556
    2024-07-01 $599,000 (5.2%) $846,365 (8.8%) 1.37 597
    2024-08-01 $589,900 (6.8%) $805,867 (3.5%) 1.37 580
    2024-09-01 $599,900 (4.4%) $816,537 (2.0%) 1.41 616
    2024-10-01 $597,000 (6.0%) $820,287 (2.3%) 1.40 678
    2024-11-01 $562,500 (2.3%) $802,592 (1.2%) 1.35 659
    2024-12-01 $562,375 (-2.2%) $816,514 (-1.3%) 1.40 558
    2025-01-01 $546,000 (-2.7%) $824,608 (0.8%) 1.36 479
    2025-02-01 $541,250 (-4.2%) $850,719 (4.1%) 1.31 446
    2025-03-01 $549,000 (0.0%) $827,641 (1.3%) 1.29 428
    2025-04-01 $537,000 (-2.4%) $811,952 (0.7%) 1.25 467
    Kingston's median listing price for 2025-04-01 was $537,000, a difference of $-12,950 (-2.4%) versus the prior year and $-12,000 versus the prior month.

    Kingston's median listing price comes in at 125% of the national average.

    Kingston's average listing price for 2025-04-01 was $811,952, a difference of $5,450 (0.7%) versus the prior year and $-15,689 versus the prior month.

    For the 2025-04-01 period, Kingston had 467 MLS listings, a difference of 39 listings (9%) versus the prior month and 47 listings (11%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Kingston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 121 days 1,911 sqft
    2018-02-01 121 days 1,890 sqft
    2018-03-01 116 days 1,919 sqft
    2018-04-01 86 days 2,026 sqft
    2018-05-01 68 days 2,048 sqft
    2018-06-01 57 days 2,041 sqft
    2018-07-01 66 days 1,999 sqft
    2018-08-01 75 days 1,999 sqft
    2018-09-01 86 days 1,957 sqft
    2018-10-01 87 days 1,953 sqft
    2018-11-01 90 days 2,000 sqft
    2018-12-01 99 days 1,975 sqft
    2019-01-01 108 days 1,992 sqft
    2019-02-01 113 days 1,979 sqft
    2019-03-01 96 days 1,903 sqft
    2019-04-01 72 days 1,849 sqft
    2019-05-01 60 days 1,852 sqft
    2019-06-01 58 days 2,035 sqft
    2019-07-01 63 days 2,016 sqft
    2019-08-01 73 days 1,990 sqft
    2019-09-01 80 days 1,965 sqft
    2019-10-01 86 days 1,945 sqft
    2019-11-01 95 days 1,951 sqft
    2019-12-01 103 days 1,957 sqft
    2020-01-01 116 days 1,980 sqft
    2020-02-01 114 days 2,044 sqft
    2020-03-01 105 days 2,051 sqft
    2020-04-01 91 days 2,051 sqft
    2020-05-01 94 days 2,051 sqft
    2020-06-01 68 days 2,047 sqft
    2020-07-01 38 days 2,019 sqft
    2020-08-01 44 days 2,030 sqft
    2020-09-01 46 days 2,021 sqft
    2020-10-01 52 days 2,028 sqft
    2020-11-01 67 days 2,065 sqft
    2020-12-01 86 days 2,039 sqft
    2021-01-01 100 days 2,050 sqft
    2021-02-01 103 days 2,033 sqft
    2021-03-01 87 days 1,990 sqft
    2021-04-01 64 days 2,018 sqft
    2021-05-01 43 days 1,980 sqft
    2021-06-01 44 days 1,990 sqft
    2021-07-01 52 days 2,032 sqft
    2021-08-01 56 days 1,999 sqft
    2021-09-01 58 days 1,952 sqft
    2021-10-01 66 days 1,836 sqft
    2021-11-01 68 days 1,840 sqft
    2021-12-01 79 days 1,805 sqft
    2022-01-01 101 days 1,838 sqft
    2022-02-01 108 days 1,961 sqft
    2022-03-01 78 days 1,908 sqft
    2022-04-01 40 days 1,900 sqft
    2022-05-01 38 days 1,883 sqft
    2022-06-01 35 days 1,899 sqft
    2022-07-01 43 days 1,979 sqft
    2022-08-01 57 days 2,017 sqft
    2022-09-01 66 days 2,020 sqft
    2022-10-01 67 days 2,000 sqft
    2022-11-01 77 days 2,040 sqft
    2022-12-01 87 days 2,029 sqft
    2023-01-01 99 days 1,974 sqft
    2023-02-01 106 days 2,018 sqft
    2023-03-01 108 days 2,025 sqft
    2023-04-01 59 days 2,027 sqft
    2023-05-01 47 days 2,005 sqft
    2023-06-01 45 days 2,053 sqft
    2023-07-01 51 days 2,054 sqft
    2023-08-01 59 days 2,045 sqft
    2023-09-01 66 days 2,051 sqft
    2023-10-01 64 days 2,017 sqft
    2023-11-01 69 days 2,000 sqft
    2023-12-01 81 days 2,043 sqft
    2024-01-01 92 days 2,079 sqft
    2024-02-01 95 days 2,034 sqft
    2024-03-01 69 days 1,967 sqft
    2024-04-01 57 days 2,000 sqft
    2024-05-01 48 days 1,993 sqft
    2024-06-01 44 days 2,034 sqft
    2024-07-01 49 days 2,078 sqft
    2024-08-01 60 days 2,040 sqft
    2024-09-01 59 days 2,067 sqft
    2024-10-01 52 days 2,042 sqft
    2024-11-01 61 days 2,007 sqft
    2024-12-01 79 days 1,997 sqft
    2025-01-01 91 days 1,900 sqft
    2025-02-01 91 days 1,913 sqft
    2025-03-01 85 days 1,952 sqft
    2025-04-01 65 days 1,971 sqft
    Kingston's median listing age (time on market) for 2025-04-01 was 65 days. This is 14% longer than the same period one year ago.

    Kingston's median square footage for active listings during the 2025-04-01 period was 1,971 sqft. One year prior, the average listing was 2,000 sqft.