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
6.58%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
La Crosse's average USDA mortgage closing costs are $5,004.
The average rate for the prior week (2025-02-07) was
6.44% and
one month ago for the week of 2025-01-10, the
average rate was 6.79%.
The average rate one year ago was 6.68%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.58%.
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 | $208,950 (6.1%) | $266,853 (3.9%) | 0.82 | 378 |
| 2018-02-01 | $224,825 (14.4%) | $275,886 (6.9%) | 0.86 | 367 |
| 2018-03-01 | $225,450 (15.0%) | $284,271 (9.0%) | 0.84 | 378 |
| 2018-04-01 | $238,075 (19.1%) | $296,662 (13.0%) | 0.87 | 388 |
| 2018-05-01 | $229,575 (10.6%) | $301,113 (14.2%) | 0.83 | 443 |
| 2018-06-01 | $234,900 (8.0%) | $305,916 (13.2%) | 0.82 | 487 |
| 2018-07-01 | $229,925 (4.6%) | $298,031 (8.7%) | 0.81 | 526 |
| 2018-08-01 | $229,700 (5.7%) | $295,106 (10.3%) | 0.82 | 548 |
| 2018-09-01 | $239,900 (12.9%) | $298,793 (12.2%) | 0.84 | 534 |
| 2018-10-01 | $236,675 (13.5%) | $294,249 (13.5%) | 0.85 | 501 |
| 2018-11-01 | $233,950 (17.0%) | $289,677 (13.5%) | 0.83 | 451 |
| 2018-12-01 | $219,950 (6.5%) | $291,226 (15.2%) | 0.83 | 390 |
| 2019-01-01 | $219,950 (5.3%) | $290,791 (9.0%) | 0.84 | 324 |
| 2019-02-01 | $237,425 (5.6%) | $304,225 (10.3%) | 0.87 | 315 |
| 2019-03-01 | $244,186 (8.3%) | $307,039 (8.0%) | 0.85 | 334 |
| 2019-04-01 | $247,936 (4.1%) | $305,062 (2.8%) | 0.83 | 386 |
| 2019-05-01 | $243,650 (6.1%) | $303,610 (0.8%) | 0.81 | 419 |
| 2019-06-01 | $248,750 (5.9%) | $302,754 (-1.0%) | 0.78 | 502 |
| 2019-07-01 | $249,450 (8.5%) | $307,671 (3.2%) | 0.79 | 516 |
| 2019-08-01 | $239,973 (4.5%) | $306,482 (3.9%) | 0.79 | 526 |
| 2019-09-01 | $239,932 (0.0%) | $304,557 (1.9%) | 0.80 | 538 |
| 2019-10-01 | $239,905 (1.4%) | $303,115 (3.0%) | 0.81 | 539 |
| 2019-11-01 | $239,900 (2.5%) | $301,878 (4.2%) | 0.82 | 490 |
| 2019-12-01 | $241,225 (9.7%) | $295,947 (1.6%) | 0.83 | 429 |
| 2020-01-01 | $239,225 (8.8%) | $293,215 (0.8%) | 0.83 | 372 |
| 2020-02-01 | $241,900 (1.9%) | $306,169 (0.6%) | 0.85 | 349 |
| 2020-03-01 | $249,450 (2.2%) | $316,854 (3.2%) | 0.81 | 362 |
| 2020-04-01 | $259,000 (4.5%) | $317,873 (4.2%) | 0.85 | 345 |
| 2020-05-01 | $254,950 (4.6%) | $307,847 (1.4%) | 0.81 | 352 |
| 2020-06-01 | $267,200 (7.4%) | $310,905 (2.7%) | 0.81 | 378 |
| 2020-07-01 | $274,450 (10.0%) | $315,031 (2.4%) | 0.84 | 396 |
| 2020-08-01 | $264,900 (10.4%) | $305,734 (-0.2%) | 0.77 | 393 |
| 2020-09-01 | $245,175 (2.2%) | $294,729 (-3.2%) | 0.71 | 379 |
| 2020-10-01 | $239,698 (-0.1%) | $290,999 (-4.0%) | 0.70 | 349 |
| 2020-11-01 | $239,450 (-0.2%) | $292,335 (-3.2%) | 0.72 | 305 |
| 2020-12-01 | $229,150 (-5.0%) | $287,372 (-2.9%) | 0.70 | 253 |
| 2021-01-01 | $229,900 (-3.9%) | $297,561 (1.5%) | 0.75 | 183 |
| 2021-02-01 | $244,900 (1.2%) | $315,898 (3.2%) | 0.77 | 171 |
| 2021-03-01 | $268,125 (7.5%) | $322,032 (1.6%) | 0.83 | 164 |
| 2021-04-01 | $273,700 (5.7%) | $331,063 (4.2%) | 0.82 | 168 |
| 2021-05-01 | $299,500 (17.5%) | $333,367 (8.3%) | 0.84 | 173 |
| 2021-06-01 | $297,400 (11.3%) | $338,275 (8.8%) | 0.80 | 173 |
| 2021-07-01 | $267,400 (-2.6%) | $336,857 (6.9%) | 0.76 | 211 |
| 2021-08-01 | $279,900 (5.7%) | $338,288 (10.7%) | 0.77 | 228 |
| 2021-09-01 | $271,450 (10.7%) | $327,539 (11.1%) | 0.73 | 245 |
| 2021-10-01 | $289,000 (20.6%) | $331,556 (13.9%) | 0.79 | 239 |
| 2021-11-01 | $289,950 (21.1%) | $343,387 (17.5%) | 0.79 | 198 |
| 2021-12-01 | $273,700 (19.4%) | $347,351 (20.9%) | 0.77 | 186 |
| 2022-01-01 | $300,000 (30.5%) | $367,070 (23.4%) | 0.82 | 145 |
| 2022-02-01 | $299,900 (22.5%) | $371,638 (17.6%) | 0.78 | 120 |
| 2022-03-01 | $309,950 (15.6%) | $378,954 (17.7%) | 0.78 | 121 |
| 2022-04-01 | $324,000 (18.4%) | $381,009 (15.1%) | 0.77 | 121 |
| 2022-05-01 | $331,350 (10.6%) | $400,371 (20.1%) | 0.75 | 165 |
| 2022-06-01 | $324,725 (9.2%) | $399,929 (18.2%) | 0.72 | 193 |
| 2022-07-01 | $312,900 (17.0%) | $393,706 (16.9%) | 0.73 | 223 |
| 2022-08-01 | $319,950 (14.3%) | $398,155 (17.7%) | 0.79 | 239 |
| 2022-09-01 | $344,450 (26.9%) | $396,491 (21.1%) | 0.82 | 231 |
| 2022-10-01 | $347,000 (20.1%) | $388,901 (17.3%) | 0.85 | 229 |
| 2022-11-01 | $346,225 (19.4%) | $374,213 (9.0%) | 0.86 | 216 |
| 2022-12-01 | $354,900 (29.7%) | $377,458 (8.7%) | 0.90 | 165 |
| 2023-01-01 | $347,450 (15.8%) | $379,466 (3.4%) | 0.89 | 142 |
| 2023-02-01 | $347,425 (15.9%) | $370,757 (-0.2%) | 0.88 | 134 |
| 2023-03-01 | $327,225 (5.6%) | $359,222 (-5.2%) | 0.79 | 134 |
| 2023-04-01 | $350,000 (8.0%) | $367,464 (-3.6%) | 0.84 | 143 |
| 2023-05-01 | $331,975 (0.2%) | $370,051 (-7.6%) | 0.78 | 162 |
| 2023-06-01 | $326,175 (0.5%) | $377,378 (-5.6%) | 0.76 | 166 |
| 2023-07-01 | $319,000 (2.0%) | $366,121 (-7.0%) | 0.75 | 176 |
| 2023-08-01 | $326,950 (2.2%) | $374,529 (-5.9%) | 0.82 | 202 |
| 2023-09-01 | $299,900 (-12.9%) | $372,973 (-5.9%) | 0.77 | 200 |
| 2023-10-01 | $319,425 (-8.0%) | $369,439 (-5.0%) | 0.78 | 223 |
| 2023-11-01 | $324,225 (-6.4%) | $371,096 (-0.8%) | 0.79 | 210 |
| 2023-12-01 | $329,900 (-7.0%) | $380,835 (0.9%) | 0.83 | 201 |
| 2024-01-01 | $336,000 (-3.3%) | $387,472 (2.1%) | 0.84 | 160 |
| 2024-02-01 | $329,225 (-5.2%) | $390,843 (5.4%) | 0.82 | 145 |
| 2024-03-01 | $359,900 (10.0%) | $387,852 (8.0%) | 0.89 | 151 |
| 2024-04-01 | $359,700 (2.8%) | $402,851 (9.6%) | 0.88 | 184 |
| 2024-05-01 | $379,900 (14.4%) | $430,589 (16.4%) | 0.92 | 195 |
| 2024-06-01 | $377,450 (15.7%) | $431,557 (14.4%) | 0.92 | 221 |
| 2024-07-01 | $377,350 (18.3%) | $435,621 (19.0%) | 0.87 | 229 |
| 2024-08-01 | $368,950 (12.9%) | $420,481 (12.3%) | 0.87 | 260 |
| 2024-09-01 | $360,725 (20.3%) | $411,927 (10.4%) | 0.85 | 277 |
| 2024-10-01 | $369,500 (15.7%) | $424,196 (14.8%) | 0.89 | 291 |
| 2024-11-01 | $360,000 (11.0%) | $408,095 (10.0%) | 0.90 | 283 |
| 2024-12-01 | $339,675 (3.0%) | $406,136 (6.6%) | 0.87 | 248 |
| 2025-01-01 | $334,675 (-0.4%) | $400,737 (3.4%) | 0.00 | 229 |
La Crosse's median listing price comes in at 0% of the national average.
La Crosse's average listing price for 2025-01-01 was $400,737, a difference of $13,265 (3.4%) versus the prior year and $-5,399 versus the prior month.
For the 2025-01-01 period, La Crosse had 229 MLS listings, a difference of -19 listings (-8%) versus the prior month and 69 listings (43%) 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 | 1,847 sqft |
| 2018-02-01 | 70 days | 1,896 sqft |
| 2018-03-01 | 51 days | 1,815 sqft |
| 2018-04-01 | 39 days | 1,960 sqft |
| 2018-05-01 | 35 days | 1,976 sqft |
| 2018-06-01 | 37 days | 2,000 sqft |
| 2018-07-01 | 41 days | 2,017 sqft |
| 2018-08-01 | 41 days | 2,008 sqft |
| 2018-09-01 | 46 days | 2,041 sqft |
| 2018-10-01 | 51 days | 2,065 sqft |
| 2018-11-01 | 58 days | 2,064 sqft |
| 2018-12-01 | 68 days | 1,972 sqft |
| 2019-01-01 | 77 days | 1,863 sqft |
| 2019-02-01 | 64 days | 1,994 sqft |
| 2019-03-01 | 50 days | 2,017 sqft |
| 2019-04-01 | 33 days | 2,036 sqft |
| 2019-05-01 | 32 days | 2,037 sqft |
| 2019-06-01 | 32 days | 2,086 sqft |
| 2019-07-01 | 37 days | 2,090 sqft |
| 2019-08-01 | 41 days | 2,053 sqft |
| 2019-09-01 | 43 days | 2,014 sqft |
| 2019-10-01 | 46 days | 1,983 sqft |
| 2019-11-01 | 54 days | 1,978 sqft |
| 2019-12-01 | 67 days | 1,982 sqft |
| 2020-01-01 | 80 days | 1,997 sqft |
| 2020-02-01 | 71 days | 2,000 sqft |
| 2020-03-01 | 44 days | 2,005 sqft |
| 2020-04-01 | 43 days | 2,011 sqft |
| 2020-05-01 | 51 days | 2,010 sqft |
| 2020-06-01 | 38 days | 2,040 sqft |
| 2020-07-01 | 42 days | 2,137 sqft |
| 2020-08-01 | 39 days | 2,024 sqft |
| 2020-09-01 | 41 days | 1,904 sqft |
| 2020-10-01 | 43 days | 1,884 sqft |
| 2020-11-01 | 45 days | 1,831 sqft |
| 2020-12-01 | 47 days | 1,730 sqft |
| 2021-01-01 | 54 days | 1,733 sqft |
| 2021-02-01 | 33 days | 1,794 sqft |
| 2021-03-01 | 24 days | 1,815 sqft |
| 2021-04-01 | 23 days | 1,853 sqft |
| 2021-05-01 | 19 days | 1,890 sqft |
| 2021-06-01 | 25 days | 1,855 sqft |
| 2021-07-01 | 21 days | 1,811 sqft |
| 2021-08-01 | 24 days | 1,853 sqft |
| 2021-09-01 | 31 days | 1,877 sqft |
| 2021-10-01 | 40 days | 1,890 sqft |
| 2021-11-01 | 44 days | 1,908 sqft |
| 2021-12-01 | 46 days | 1,899 sqft |
| 2022-01-01 | 58 days | 1,935 sqft |
| 2022-02-01 | 42 days | 1,933 sqft |
| 2022-03-01 | 13 days | 1,861 sqft |
| 2022-04-01 | 15 days | 1,900 sqft |
| 2022-05-01 | 14 days | 1,933 sqft |
| 2022-06-01 | 23 days | 1,916 sqft |
| 2022-07-01 | 23 days | 1,896 sqft |
| 2022-08-01 | 27 days | 1,882 sqft |
| 2022-09-01 | 34 days | 1,944 sqft |
| 2022-10-01 | 33 days | 1,953 sqft |
| 2022-11-01 | 42 days | 1,937 sqft |
| 2022-12-01 | 60 days | 2,010 sqft |
| 2023-01-01 | 72 days | 1,923 sqft |
| 2023-02-01 | 63 days | 1,856 sqft |
| 2023-03-01 | 31 days | 1,852 sqft |
| 2023-04-01 | 32 days | 1,875 sqft |
| 2023-05-01 | 31 days | 1,866 sqft |
| 2023-06-01 | 40 days | 1,849 sqft |
| 2023-07-01 | 44 days | 1,815 sqft |
| 2023-08-01 | 39 days | 1,825 sqft |
| 2023-09-01 | 39 days | 1,816 sqft |
| 2023-10-01 | 41 days | 1,867 sqft |
| 2023-11-01 | 41 days | 1,868 sqft |
| 2023-12-01 | 48 days | 1,870 sqft |
| 2024-01-01 | 67 days | 1,866 sqft |
| 2024-02-01 | 59 days | 1,850 sqft |
| 2024-03-01 | 38 days | 1,900 sqft |
| 2024-04-01 | 33 days | 1,879 sqft |
| 2024-05-01 | 30 days | 1,910 sqft |
| 2024-06-01 | 45 days | 1,970 sqft |
| 2024-07-01 | 37 days | 2,000 sqft |
| 2024-08-01 | 31 days | 1,960 sqft |
| 2024-09-01 | 36 days | 1,855 sqft |
| 2024-10-01 | 41 days | 1,939 sqft |
| 2024-11-01 | 48 days | 1,878 sqft |
| 2024-12-01 | 64 days | 1,886 sqft |
| 2025-01-01 | 0 days | 1,853 sqft |
La Crosse's median square footage for active listings during the 2025-01-01 period was 1,853 sqft. One year prior, the average listing was 1,866 sqft.