La Crosse USDA Loan Rates, Closing Costs & Stats
LA CROSSE-ONALASKA, WI-MN
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.
La Crosse's 2 lenders originated 2 USDA loans during 2023. The total origination value was $520,000, with an average USDA loan value of $260,000.
La Crosse USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in La Crosse
averaged
7.12%
for the week of 2024-04-19, compared to the national average (all USDA variants) of
6.863% for the same period.
La Crosse's average USDA mortgage closing costs are $5,004.
The average rate for the prior week (2024-04-12) was
6.87% and
one month ago for the week of 2024-03-15, the
average rate was 6.86%.
The average rate one year ago was 6.6%.
For refis of the same type during the week of 2024-04-19, the average rate
was 6.82%.
La Crosse 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 La Crosse level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| Mortgage Research Center, LLC | 1 | 6.25% | $12,350 |
| Servion, Inc. | 1 | 6.13% | $5,484 |
The top La Crosse USDA lender as defined by loan originations is Mortgage Research Center, LLC, with
1 USDA loans originated. Their average total fees are
$12,350, which is $6,866
higher than the next largest lender,
Servion, Inc..
The lowest fee La Crosse USDA lenders (with over 10 loans originated) are
.
The lowest rate La Crosse USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - La Crosse (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 | $219,900 (5.0%) | $262,148 (-3.0%) | 0.82 | 283 |
| 2018-02-01 | $237,400 (13.9%) | $281,065 (3.4%) | 0.86 | 272 |
| 2018-03-01 | $239,900 (19.3%) | $292,557 (8.4%) | 0.84 | 270 |
| 2018-04-01 | $256,575 (24.6%) | $310,117 (15.3%) | 0.87 | 274 |
| 2018-05-01 | $249,900 (12.4%) | $316,174 (15.8%) | 0.83 | 314 |
| 2018-06-01 | $244,900 (7.9%) | $320,217 (16.7%) | 0.82 | 357 |
| 2018-07-01 | $242,400 (3.2%) | $316,935 (11.7%) | 0.81 | 379 |
| 2018-08-01 | $243,900 (9.1%) | $315,739 (15.5%) | 0.82 | 395 |
| 2018-09-01 | $249,900 (13.6%) | $318,044 (16.9%) | 0.84 | 387 |
| 2018-10-01 | $249,500 (15.7%) | $311,795 (18.0%) | 0.85 | 368 |
| 2018-11-01 | $244,175 (17.1%) | $306,820 (20.9%) | 0.83 | 338 |
| 2018-12-01 | $240,000 (11.7%) | $312,105 (25.0%) | 0.83 | 291 |
| 2019-01-01 | $244,500 (11.2%) | $312,616 (19.3%) | 0.84 | 239 |
| 2019-02-01 | $256,175 (7.9%) | $319,520 (13.7%) | 0.87 | 233 |
| 2019-03-01 | $259,900 (8.3%) | $323,229 (10.5%) | 0.85 | 245 |
| 2019-04-01 | $259,900 (1.3%) | $323,213 (4.2%) | 0.83 | 286 |
| 2019-05-01 | $259,425 (3.8%) | $325,859 (3.1%) | 0.81 | 310 |
| 2019-06-01 | $249,900 (2.0%) | $315,335 (-1.5%) | 0.78 | 389 |
| 2019-07-01 | $251,150 (3.6%) | $315,601 (-0.4%) | 0.79 | 397 |
| 2019-08-01 | $249,900 (2.5%) | $312,735 (-1.0%) | 0.79 | 400 |
| 2019-09-01 | $249,900 (0.0%) | $308,084 (-3.1%) | 0.80 | 407 |
| 2019-10-01 | $249,900 (0.2%) | $303,929 (-2.5%) | 0.81 | 406 |
| 2019-11-01 | $249,900 (2.3%) | $303,095 (-1.2%) | 0.82 | 361 |
| 2019-12-01 | $249,900 (4.1%) | $295,001 (-5.5%) | 0.83 | 322 |
| 2020-01-01 | $247,850 (1.4%) | $290,788 (-7.0%) | 0.83 | 278 |
| 2020-02-01 | $259,900 (1.5%) | $310,798 (-2.7%) | 0.85 | 258 |
| 2020-03-01 | $259,225 (-0.3%) | $308,035 (-4.7%) | 0.81 | 277 |
| 2020-04-01 | $269,900 (3.9%) | $314,019 (-2.8%) | 0.85 | 273 |
| 2020-05-01 | $265,000 (2.2%) | $307,901 (-5.5%) | 0.81 | 276 |
| 2020-06-01 | $274,925 (10.0%) | $311,548 (-1.2%) | 0.81 | 286 |
| 2020-07-01 | $288,085 (14.7%) | $323,434 (2.5%) | 0.84 | 290 |
| 2020-08-01 | $269,900 (8.0%) | $307,371 (-1.7%) | 0.77 | 296 |
| 2020-09-01 | $246,925 (-1.2%) | $291,244 (-5.5%) | 0.71 | 275 |
| 2020-10-01 | $243,500 (-2.6%) | $290,028 (-4.6%) | 0.70 | 240 |
| 2020-11-01 | $245,975 (-1.6%) | $297,684 (-1.8%) | 0.72 | 212 |
| 2020-12-01 | $234,375 (-6.2%) | $300,642 (1.9%) | 0.70 | 178 |
| 2021-01-01 | $250,500 (1.1%) | $321,980 (10.7%) | 0.75 | 127 |
| 2021-02-01 | $266,150 (2.4%) | $337,261 (8.5%) | 0.77 | 123 |
| 2021-03-01 | $292,400 (12.8%) | $332,835 (8.1%) | 0.83 | 120 |
| 2021-04-01 | $304,475 (12.8%) | $348,565 (11.0%) | 0.82 | 120 |
| 2021-05-01 | $315,800 (19.2%) | $344,918 (12.0%) | 0.84 | 124 |
| 2021-06-01 | $304,675 (10.8%) | $337,960 (8.5%) | 0.80 | 129 |
| 2021-07-01 | $286,250 (-0.6%) | $326,439 (0.9%) | 0.76 | 161 |
| 2021-08-01 | $288,900 (7.0%) | $329,973 (7.4%) | 0.77 | 169 |
| 2021-09-01 | $274,825 (11.3%) | $320,321 (10.0%) | 0.73 | 188 |
| 2021-10-01 | $295,000 (21.2%) | $323,815 (11.7%) | 0.79 | 180 |
| 2021-11-01 | $294,950 (19.9%) | $323,443 (8.7%) | 0.79 | 150 |
| 2021-12-01 | $282,475 (20.5%) | $329,298 (9.5%) | 0.77 | 150 |
| 2022-01-01 | $304,950 (21.7%) | $341,480 (6.1%) | 0.82 | 116 |
| 2022-02-01 | $299,950 (12.7%) | $342,124 (1.4%) | 0.78 | 93 |
| 2022-03-01 | $312,425 (6.9%) | $361,655 (8.7%) | 0.78 | 94 |
| 2022-04-01 | $324,900 (6.7%) | $370,716 (6.4%) | 0.77 | 98 |
| 2022-05-01 | $329,300 (4.3%) | $384,194 (11.4%) | 0.75 | 128 |
| 2022-06-01 | $324,225 (6.4%) | $382,388 (13.2%) | 0.72 | 144 |
| 2022-07-01 | $324,900 (13.5%) | $386,071 (18.3%) | 0.73 | 158 |
| 2022-08-01 | $341,875 (18.3%) | $400,422 (21.4%) | 0.79 | 168 |
| 2022-09-01 | $352,400 (28.2%) | $398,908 (24.5%) | 0.82 | 168 |
| 2022-10-01 | $359,900 (22.0%) | $398,639 (23.1%) | 0.85 | 168 |
| 2022-11-01 | $356,500 (20.9%) | $372,384 (15.1%) | 0.86 | 159 |
| 2022-12-01 | $365,000 (29.2%) | $376,665 (14.4%) | 0.90 | 133 |
| 2023-01-01 | $359,900 (18.0%) | $375,788 (10.1%) | 0.89 | 113 |
| 2023-02-01 | $364,900 (21.7%) | $375,825 (9.9%) | 0.88 | 104 |
| 2023-03-01 | $334,484 (7.1%) | $351,221 (-2.9%) | 0.79 | 112 |
| 2023-04-01 | $359,900 (10.8%) | $372,925 (0.6%) | 0.84 | 124 |
| 2023-05-01 | $342,400 (4.0%) | $372,757 (-3.0%) | 0.78 | 133 |
| 2023-06-01 | $337,400 (4.1%) | $385,689 (0.9%) | 0.76 | 138 |
| 2023-07-01 | $329,000 (1.3%) | $383,523 (-0.7%) | 0.75 | 135 |
| 2023-08-01 | $355,833 (4.1%) | $399,859 (-0.1%) | 0.82 | 150 |
| 2023-09-01 | $329,000 (-6.6%) | $386,503 (-3.1%) | 0.77 | 154 |
| 2023-10-01 | $333,425 (-7.4%) | $381,301 (-4.4%) | 0.78 | 165 |
| 2023-11-01 | $332,825 (-6.6%) | $378,926 (1.8%) | 0.79 | 158 |
| 2023-12-01 | $339,900 (-6.9%) | $374,679 (-0.5%) | 0.83 | 155 |
| 2024-01-01 | $342,400 (-4.9%) | $384,985 (2.5%) | 0.84 | 123 |
| 2024-02-01 | $341,450 (-6.4%) | $395,874 (5.3%) | 0.82 | 112 |
| 2024-03-01 | $377,450 (12.9%) | $399,663 (13.8%) | 0.89 | 122 |
La Crosse's median listing price comes in at 89% of the national average.
La Crosse's average listing price for 2024-03-01 was $399,663, a difference of $48,442 (13.8%) versus the prior year and $3,789 versus the prior month.
For the 2024-03-01 period, La Crosse had 122 MLS listings, a difference of 10 listings (9%) versus the prior month and 10 listings (9%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - La Crosse (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 73 days | 1,921 sqft |
| 2018-02-01 | 70 days | 1,980 sqft |
| 2018-03-01 | 51 days | 1,951 sqft |
| 2018-04-01 | 39 days | 2,080 sqft |
| 2018-05-01 | 35 days | 2,038 sqft |
| 2018-06-01 | 37 days | 2,097 sqft |
| 2018-07-01 | 41 days | 2,114 sqft |
| 2018-08-01 | 41 days | 2,181 sqft |
| 2018-09-01 | 46 days | 2,208 sqft |
| 2018-10-01 | 51 days | 2,214 sqft |
| 2018-11-01 | 58 days | 2,200 sqft |
| 2018-12-01 | 68 days | 2,129 sqft |
| 2019-01-01 | 77 days | 1,988 sqft |
| 2019-02-01 | 64 days | 2,176 sqft |
| 2019-03-01 | 50 days | 2,162 sqft |
| 2019-04-01 | 33 days | 2,178 sqft |
| 2019-05-01 | 32 days | 2,156 sqft |
| 2019-06-01 | 32 days | 2,200 sqft |
| 2019-07-01 | 37 days | 2,134 sqft |
| 2019-08-01 | 41 days | 2,098 sqft |
| 2019-09-01 | 43 days | 2,065 sqft |
| 2019-10-01 | 46 days | 2,043 sqft |
| 2019-11-01 | 54 days | 2,014 sqft |
| 2019-12-01 | 67 days | 2,043 sqft |
| 2020-01-01 | 80 days | 2,067 sqft |
| 2020-02-01 | 71 days | 2,067 sqft |
| 2020-03-01 | 44 days | 2,058 sqft |
| 2020-04-01 | 43 days | 2,048 sqft |
| 2020-05-01 | 51 days | 2,036 sqft |
| 2020-06-01 | 38 days | 2,088 sqft |
| 2020-07-01 | 42 days | 2,276 sqft |
| 2020-08-01 | 39 days | 2,100 sqft |
| 2020-09-01 | 41 days | 1,912 sqft |
| 2020-10-01 | 43 days | 1,900 sqft |
| 2020-11-01 | 45 days | 1,847 sqft |
| 2020-12-01 | 47 days | 1,826 sqft |
| 2021-01-01 | 54 days | 1,852 sqft |
| 2021-02-01 | 33 days | 1,921 sqft |
| 2021-03-01 | 24 days | 1,952 sqft |
| 2021-04-01 | 23 days | 1,972 sqft |
| 2021-05-01 | 19 days | 1,973 sqft |
| 2021-06-01 | 25 days | 1,906 sqft |
| 2021-07-01 | 21 days | 1,835 sqft |
| 2021-08-01 | 24 days | 1,877 sqft |
| 2021-09-01 | 31 days | 1,902 sqft |
| 2021-10-01 | 40 days | 1,890 sqft |
| 2021-11-01 | 44 days | 1,926 sqft |
| 2021-12-01 | 46 days | 1,902 sqft |
| 2022-01-01 | 58 days | 2,000 sqft |
| 2022-02-01 | 42 days | 1,939 sqft |
| 2022-03-01 | 13 days | 1,885 sqft |
| 2022-04-01 | 15 days | 1,930 sqft |
| 2022-05-01 | 14 days | 1,915 sqft |
| 2022-06-01 | 23 days | 1,883 sqft |
| 2022-07-01 | 23 days | 1,880 sqft |
| 2022-08-01 | 27 days | 1,904 sqft |
| 2022-09-01 | 34 days | 1,970 sqft |
| 2022-10-01 | 33 days | 2,000 sqft |
| 2022-11-01 | 42 days | 2,003 sqft |
| 2022-12-01 | 60 days | 2,100 sqft |
| 2023-01-01 | 72 days | 1,942 sqft |
| 2023-02-01 | 63 days | 1,866 sqft |
| 2023-03-01 | 31 days | 1,865 sqft |
| 2023-04-01 | 32 days | 1,903 sqft |
| 2023-05-01 | 31 days | 1,880 sqft |
| 2023-06-01 | 40 days | 1,865 sqft |
| 2023-07-01 | 44 days | 1,872 sqft |
| 2023-08-01 | 39 days | 1,927 sqft |
| 2023-09-01 | 39 days | 1,892 sqft |
| 2023-10-01 | 41 days | 1,914 sqft |
| 2023-11-01 | 41 days | 1,906 sqft |
| 2023-12-01 | 48 days | 1,871 sqft |
| 2024-01-01 | 67 days | 1,871 sqft |
| 2024-02-01 | 59 days | 1,850 sqft |
| 2024-03-01 | 38 days | 1,960 sqft |
La Crosse's median square footage for active listings during the 2024-03-01 period was 1,960 sqft. One year prior, the average listing was 1,865 sqft.