Kirksville USDA Loan Rates, Closing Costs & Stats
Kirksville, 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.
Kirksville's 6 lenders originated 17 USDA loans during 2023. The total origination value was $1,985,000, with an average USDA loan value of $116,765.
Kirksville USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Kirksville
averaged
6.63%
for the week of 2024-12-13, compared to the national average (all USDA variants) of
6.303% for the same period.
Kirksville's average USDA mortgage closing costs are $3,637.
The average rate for the prior week (2024-12-06) was
6.37% and
one month ago for the week of 2024-11-08, the
average rate was 6.48%.
The average rate one year ago was 7.15%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.1%.
Kirksville 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 Kirksville level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| DAS Acquisition Company, LLC | 5 | 6.73% | $4,453 |
| FLAT BRANCH MORTGAGE, INC. | 4 | 6.59% | $4,809 |
| Bank of England | 1 | 6.25% | $5,432 |
| Community Mortgage Banc Corporation | 1 | 6.50% | $3,762 |
| Members Mortgage Services, L.L.C. | 1 | 6.88% | $4,003 |
| NBH Bank | 1 | 7.00% | $4,316 |
The top Kirksville USDA lender as defined by loan originations is DAS Acquisition Company, LLC, with
5 USDA loans originated. Their average total fees are
$4,453, which is $356
lower than the next largest lender,
FLAT BRANCH MORTGAGE, INC..
The lowest fee Kirksville USDA lenders (with over 10 loans originated) are
.
The lowest rate Kirksville USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Kirksville (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 | $94,950 (5.7%) | $155,793 (9.1%) | 0.00 | 109 |
| 2018-02-01 | $84,125 (-11.9%) | $157,132 (9.0%) | 0.00 | 106 |
| 2018-03-01 | $104,900 (-0.8%) | $166,116 (9.2%) | 0.00 | 110 |
| 2018-04-01 | $114,950 (4.6%) | $171,283 (7.5%) | 0.00 | 123 |
| 2018-05-01 | $122,150 (11.1%) | $175,582 (11.0%) | 0.00 | 131 |
| 2018-06-01 | $119,900 (4.3%) | $163,158 (1.8%) | 0.00 | 138 |
| 2018-07-01 | $124,900 (9.9%) | $160,439 (1.4%) | 0.00 | 139 |
| 2018-08-01 | $116,650 (3.7%) | $159,301 (-1.2%) | 0.00 | 137 |
| 2018-09-01 | $99,900 (-7.5%) | $147,247 (-5.4%) | 0.00 | 125 |
| 2018-10-01 | $95,200 (-2.1%) | $145,527 (-5.3%) | 0.00 | 116 |
| 2018-11-01 | $99,900 (6.4%) | $149,982 (-0.4%) | 0.00 | 116 |
| 2018-12-01 | $105,000 (10.5%) | $150,372 (-5.7%) | 0.00 | 111 |
| 2019-01-01 | $104,500 (10.1%) | $154,904 (-0.6%) | 0.00 | 98 |
| 2019-02-01 | $104,500 (24.2%) | $157,985 (0.5%) | 0.00 | 97 |
| 2019-03-01 | $100,886 (-3.8%) | $159,860 (-3.8%) | 0.00 | 99 |
| 2019-04-01 | $100,886 (-12.2%) | $162,759 (-5.0%) | 0.00 | 99 |
| 2019-05-01 | $99,900 (-18.2%) | $165,816 (-5.6%) | 0.00 | 98 |
| 2019-06-01 | $99,900 (-16.7%) | $164,507 (0.8%) | 0.00 | 113 |
| 2019-07-01 | $107,225 (-14.2%) | $168,676 (5.1%) | 0.00 | 121 |
| 2019-08-01 | $106,736 (-8.5%) | $170,964 (7.3%) | 0.00 | 122 |
| 2019-09-01 | $102,666 (2.8%) | $164,631 (11.8%) | 0.00 | 122 |
| 2019-10-01 | $99,800 (4.8%) | $161,750 (11.2%) | 0.00 | 125 |
| 2019-11-01 | $99,500 (-0.4%) | $170,894 (13.9%) | 0.00 | 109 |
| 2019-12-01 | $95,600 (-9.0%) | $166,746 (10.9%) | 0.00 | 98 |
| 2020-01-01 | $89,675 (-14.2%) | $166,928 (7.8%) | 0.00 | 93 |
| 2020-02-01 | $88,500 (-15.3%) | $163,703 (3.6%) | 0.00 | 95 |
| 2020-03-01 | $93,944 (-6.9%) | $165,654 (3.6%) | 0.00 | 105 |
| 2020-04-01 | $102,300 (1.4%) | $169,666 (4.2%) | 0.00 | 111 |
| 2020-05-01 | $109,900 (10.0%) | $175,829 (6.0%) | 0.00 | 102 |
| 2020-06-01 | $126,150 (26.3%) | $193,366 (17.5%) | 0.00 | 96 |
| 2020-07-01 | $119,000 (11.0%) | $192,784 (14.3%) | 0.00 | 85 |
| 2020-08-01 | $116,250 (8.9%) | $191,274 (11.9%) | 0.00 | 88 |
| 2020-09-01 | $114,950 (12.0%) | $193,989 (17.8%) | 0.00 | 80 |
| 2020-10-01 | $109,500 (9.7%) | $185,824 (14.9%) | 0.00 | 81 |
| 2020-11-01 | $117,000 (17.6%) | $190,458 (11.5%) | 0.00 | 72 |
| 2020-12-01 | $99,675 (4.3%) | $164,608 (-1.3%) | 0.00 | 77 |
| 2021-01-01 | $97,500 (8.7%) | $165,866 (-0.6%) | 0.00 | 76 |
| 2021-02-01 | $94,475 (6.8%) | $171,758 (4.9%) | 0.00 | 80 |
| 2021-03-01 | $90,575 (-3.6%) | $162,114 (-2.1%) | 0.00 | 75 |
| 2021-04-01 | $89,900 (-12.1%) | $161,427 (-4.9%) | 0.00 | 67 |
| 2021-05-01 | $117,400 (6.8%) | $163,718 (-6.9%) | 0.00 | 66 |
| 2021-06-01 | $108,650 (-13.9%) | $160,698 (-16.9%) | 0.00 | 64 |
| 2021-07-01 | $111,950 (-5.9%) | $165,042 (-14.4%) | 0.00 | 69 |
| 2021-08-01 | $116,600 (0.3%) | $156,218 (-18.3%) | 0.00 | 81 |
| 2021-09-01 | $119,750 (4.2%) | $165,814 (-14.5%) | 0.00 | 82 |
| 2021-10-01 | $124,500 (13.7%) | $176,204 (-5.2%) | 0.00 | 82 |
| 2021-11-01 | $149,900 (28.1%) | $302,133 (58.6%) | 0.00 | 86 |
| 2021-12-01 | $130,800 (31.2%) | $295,003 (79.2%) | 0.00 | 82 |
| 2022-01-01 | $138,000 (41.5%) | $322,115 (94.2%) | 0.00 | 71 |
| 2022-02-01 | $149,900 (58.7%) | $334,522 (94.8%) | 0.00 | 64 |
| 2022-03-01 | $169,350 (87.0%) | $379,026 (133.8%) | 0.00 | 51 |
| 2022-04-01 | $159,900 (77.9%) | $397,158 (146.0%) | 0.00 | 45 |
| 2022-05-01 | $150,875 (28.5%) | $382,977 (133.9%) | 0.00 | 51 |
| 2022-06-01 | $187,400 (72.5%) | $420,577 (161.7%) | 0.00 | 54 |
| 2022-07-01 | $193,500 (72.9%) | $361,117 (118.8%) | 0.00 | 74 |
| 2022-08-01 | $185,950 (59.5%) | $346,761 (122.0%) | 0.00 | 81 |
| 2022-09-01 | $174,975 (46.1%) | $324,107 (95.5%) | 0.00 | 83 |
| 2022-10-01 | $179,900 (44.5%) | $342,196 (94.2%) | 0.00 | 70 |
| 2022-11-01 | $175,000 (16.7%) | $344,245 (13.9%) | 0.00 | 65 |
| 2022-12-01 | $168,750 (29.0%) | $353,113 (19.7%) | 0.00 | 56 |
| 2023-01-01 | $179,200 (29.9%) | $284,181 (-11.8%) | 0.00 | 56 |
| 2023-02-01 | $190,450 (27.1%) | $251,554 (-24.8%) | 0.00 | 56 |
| 2023-03-01 | $212,950 (25.8%) | $249,059 (-34.3%) | 0.00 | 64 |
| 2023-04-01 | $213,900 (33.8%) | $247,584 (-37.7%) | 0.00 | 63 |
| 2023-05-01 | $198,925 (31.9%) | $217,291 (-43.3%) | 0.00 | 68 |
| 2023-06-01 | $189,950 (1.4%) | $211,856 (-49.6%) | 0.00 | 75 |
| 2023-07-01 | $187,400 (-3.2%) | $224,878 (-37.7%) | 0.00 | 83 |
| 2023-08-01 | $190,000 (2.2%) | $237,164 (-31.6%) | 0.00 | 78 |
| 2023-09-01 | $190,000 (8.6%) | $246,300 (-24.0%) | 0.00 | 84 |
| 2023-10-01 | $197,250 (9.6%) | $253,603 (-25.9%) | 0.00 | 83 |
| 2023-11-01 | $191,650 (9.5%) | $258,538 (-24.9%) | 0.00 | 86 |
| 2023-12-01 | $173,950 (3.1%) | $252,751 (-28.4%) | 0.00 | 75 |
| 2024-01-01 | $177,475 (-1.0%) | $253,739 (-10.7%) | 0.00 | 65 |
| 2024-02-01 | $158,750 (-16.6%) | $238,738 (-5.1%) | 0.00 | 73 |
| 2024-03-01 | $159,900 (-24.9%) | $270,281 (8.5%) | 0.00 | 79 |
| 2024-04-01 | $191,450 (-10.5%) | $284,528 (14.9%) | 0.00 | 81 |
| 2024-05-01 | $209,999 (5.6%) | $286,570 (31.9%) | 0.00 | 83 |
| 2024-06-01 | $199,900 (5.2%) | $260,751 (23.1%) | 0.00 | 93 |
| 2024-07-01 | $209,249 (11.7%) | $254,600 (13.2%) | 0.00 | 99 |
| 2024-08-01 | $209,900 (10.5%) | $262,592 (10.7%) | 0.00 | 105 |
| 2024-09-01 | $199,900 (5.2%) | $278,561 (13.1%) | 0.00 | 109 |
| 2024-10-01 | $204,900 (3.9%) | $287,629 (13.4%) | 0.00 | 108 |
| 2024-11-01 | $199,900 (4.3%) | $282,759 (9.4%) | 0.00 | 108 |
Kirksville's median listing price comes in at 0% of the national average.
Kirksville's average listing price for 2024-11-01 was $282,759, a difference of $24,221 (9.4%) versus the prior year and $-4,870 versus the prior month.
For the 2024-11-01 period, Kirksville had 108 MLS listings, a difference of 0 listings (0%) versus the prior month and 22 listings (26%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Kirksville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,414 sqft |
| 2018-02-01 | 0 days | 1,400 sqft |
| 2018-03-01 | 0 days | 1,405 sqft |
| 2018-04-01 | 0 days | 1,475 sqft |
| 2018-05-01 | 0 days | 1,530 sqft |
| 2018-06-01 | 0 days | 1,526 sqft |
| 2018-07-01 | 0 days | 1,531 sqft |
| 2018-08-01 | 0 days | 1,470 sqft |
| 2018-09-01 | 0 days | 1,415 sqft |
| 2018-10-01 | 0 days | 1,401 sqft |
| 2018-11-01 | 0 days | 1,401 sqft |
| 2018-12-01 | 0 days | 1,404 sqft |
| 2019-01-01 | 0 days | 1,400 sqft |
| 2019-02-01 | 0 days | 1,401 sqft |
| 2019-03-01 | 0 days | 1,465 sqft |
| 2019-04-01 | 0 days | 1,538 sqft |
| 2019-05-01 | 0 days | 1,513 sqft |
| 2019-06-01 | 0 days | 1,501 sqft |
| 2019-07-01 | 0 days | 1,475 sqft |
| 2019-08-01 | 0 days | 1,507 sqft |
| 2019-09-01 | 0 days | 1,449 sqft |
| 2019-10-01 | 0 days | 1,440 sqft |
| 2019-11-01 | 0 days | 1,500 sqft |
| 2019-12-01 | 0 days | 1,497 sqft |
| 2020-01-01 | 0 days | 1,438 sqft |
| 2020-02-01 | 0 days | 1,405 sqft |
| 2020-03-01 | 0 days | 1,488 sqft |
| 2020-04-01 | 0 days | 1,561 sqft |
| 2020-05-01 | 0 days | 1,575 sqft |
| 2020-06-01 | 0 days | 1,635 sqft |
| 2020-07-01 | 0 days | 1,646 sqft |
| 2020-08-01 | 0 days | 1,680 sqft |
| 2020-09-01 | 0 days | 1,578 sqft |
| 2020-10-01 | 0 days | 1,518 sqft |
| 2020-11-01 | 0 days | 1,534 sqft |
| 2020-12-01 | 0 days | 1,474 sqft |
| 2021-01-01 | 0 days | 1,468 sqft |
| 2021-02-01 | 0 days | 1,433 sqft |
| 2021-03-01 | 0 days | 1,348 sqft |
| 2021-04-01 | 0 days | 1,407 sqft |
| 2021-05-01 | 0 days | 1,419 sqft |
| 2021-06-01 | 0 days | 1,462 sqft |
| 2021-07-01 | 0 days | 1,474 sqft |
| 2021-08-01 | 0 days | 1,369 sqft |
| 2021-09-01 | 0 days | 1,374 sqft |
| 2021-10-01 | 0 days | 1,314 sqft |
| 2021-11-01 | 0 days | 1,410 sqft |
| 2021-12-01 | 0 days | 1,435 sqft |
| 2022-01-01 | 0 days | 1,465 sqft |
| 2022-02-01 | 0 days | 1,451 sqft |
| 2022-03-01 | 0 days | 1,680 sqft |
| 2022-04-01 | 0 days | 1,658 sqft |
| 2022-05-01 | 0 days | 1,436 sqft |
| 2022-06-01 | 0 days | 1,840 sqft |
| 2022-07-01 | 0 days | 1,957 sqft |
| 2022-08-01 | 0 days | 1,711 sqft |
| 2022-09-01 | 0 days | 1,699 sqft |
| 2022-10-01 | 0 days | 1,752 sqft |
| 2022-11-01 | 0 days | 1,635 sqft |
| 2022-12-01 | 0 days | 1,619 sqft |
| 2023-01-01 | 0 days | 1,619 sqft |
| 2023-02-01 | 0 days | 1,672 sqft |
| 2023-03-01 | 0 days | 1,658 sqft |
| 2023-04-01 | 0 days | 1,598 sqft |
| 2023-05-01 | 0 days | 1,622 sqft |
| 2023-06-01 | 0 days | 1,600 sqft |
| 2023-07-01 | 0 days | 1,656 sqft |
| 2023-08-01 | 0 days | 1,777 sqft |
| 2023-09-01 | 0 days | 1,778 sqft |
| 2023-10-01 | 0 days | 1,800 sqft |
| 2023-11-01 | 0 days | 1,800 sqft |
| 2023-12-01 | 0 days | 1,555 sqft |
| 2024-01-01 | 0 days | 1,550 sqft |
| 2024-02-01 | 0 days | 1,496 sqft |
| 2024-03-01 | 0 days | 1,493 sqft |
| 2024-04-01 | 0 days | 1,623 sqft |
| 2024-05-01 | 0 days | 1,694 sqft |
| 2024-06-01 | 0 days | 1,531 sqft |
| 2024-07-01 | 0 days | 1,655 sqft |
| 2024-08-01 | 0 days | 1,628 sqft |
| 2024-09-01 | 0 days | 1,684 sqft |
| 2024-10-01 | 0 days | 1,664 sqft |
| 2024-11-01 | 0 days | 1,658 sqft |
Kirksville's median square footage for active listings during the 2024-11-01 period was 1,658 sqft. One year prior, the average listing was 1,800 sqft.