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 4 USDA loans during 2022. The total origination value was $830,000, with an average USDA loan value of $207,500.

La Crosse USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in La Crosse averaged 6.27% for the week of 2024-03-01, compared to the national average (all USDA variants) of 6.729% for the same period.

La Crosse's average USDA mortgage closing costs are $4,860.

The average rate for the prior week (2024-02-23) was 6.42% and one month ago for the week of 2024-01-26, the average rate was 6.28%.

The average rate one year ago was 6.04%.

For refis of the same type during the week of 2024-03-01, the average rate was 5.82%.

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

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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Bell Bank 2 7.00% $9,007
EVERETT FINANCIAL, INC. 1 6.13% $1,966

The top La Crosse USDA lender as defined by loan originations is Bell Bank, with 2 USDA loans originated. Their average total fees are $9,007, which is $7,041 higher than the next largest lender, EVERETT FINANCIAL, 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
La Crosse's median listing price for 2024-01-01 was $342,400, a difference of $-17,500 (-4.9%) versus the prior year and $2,500 versus the prior month.

La Crosse's median listing price comes in at 84% of the national average.

La Crosse's average listing price for 2024-01-01 was $384,985, a difference of $9,197 (2.5%) versus the prior year and $10,306 versus the prior month.

For the 2024-01-01 period, La Crosse had 123 MLS listings, a difference of -32 listings (-21%) 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 2,104 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
La Crosse's median listing age (time on market) for 2024-01-01 was 67 days. This is -8% shorter than the same period one year ago.

La Crosse's median square footage for active listings during the 2024-01-01 period was 1,871 sqft. One year prior, the average listing was 1,942 sqft.