Lake County USDA Loan Rates, Closing Costs & Stats
LAKE COUNTY-KENOSHA COUNTY, IL-WI
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.
Lake County USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Lake County
averaged
0%
for the week of 2025-07-04, compared to the national average (all USDA variants) of
0% for the same period.
Lake County's average USDA mortgage closing costs are $0.
The average rate for the prior week (2025-06-27) was
0% and
one month ago for the week of 2025-05-30, the
average rate was 0%.
The average rate one year ago was 0%.
For refis of the same type during the week of 2025-07-04, the average rate
was 0%.
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.
Lake County 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 Lake County level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|
The lowest fee Lake County USDA lenders (with over 10 loans originated) are
.
The lowest rate Lake County USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Lake County (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 | $288,700 (6.0%) | $452,383 (4.3%) | 1.07 | 27,019 |
| 2018-02-01 | $304,500 (6.1%) | $471,391 (4.0%) | 1.11 | 27,524 |
| 2018-03-01 | $325,000 (8.4%) | $490,665 (4.9%) | 1.14 | 29,305 |
| 2018-04-01 | $334,900 (7.3%) | $494,784 (4.0%) | 1.14 | 31,116 |
| 2018-05-01 | $335,000 (4.7%) | $492,310 (3.1%) | 1.12 | 33,181 |
| 2018-06-01 | $333,995 (4.4%) | $484,353 (2.0%) | 1.11 | 35,804 |
| 2018-07-01 | $327,000 (2.9%) | $473,493 (0.9%) | 1.09 | 37,861 |
| 2018-08-01 | $319,900 (4.0%) | $462,089 (1.0%) | 1.07 | 38,939 |
| 2018-09-01 | $317,000 (5.7%) | $455,361 (0.7%) | 1.07 | 39,631 |
| 2018-10-01 | $311,450 (3.8%) | $450,517 (-0.8%) | 1.05 | 39,337 |
| 2018-11-01 | $302,000 (1.7%) | $447,125 (-0.8%) | 1.02 | 37,019 |
| 2018-12-01 | $296,850 (2.4%) | $439,278 (-1.2%) | 1.02 | 32,322 |
| 2019-01-01 | $296,950 (2.9%) | $442,525 (-2.2%) | 1.03 | 29,475 |
| 2019-02-01 | $312,300 (2.6%) | $464,293 (-1.5%) | 1.06 | 29,818 |
| 2019-03-01 | $327,571 (0.8%) | $478,426 (-2.5%) | 1.07 | 31,821 |
| 2019-04-01 | $339,250 (1.3%) | $486,079 (-1.8%) | 1.08 | 33,866 |
| 2019-05-01 | $339,900 (1.5%) | $482,549 (-2.0%) | 1.06 | 36,232 |
| 2019-06-01 | $338,450 (1.3%) | $477,556 (-1.4%) | 1.06 | 38,296 |
| 2019-07-01 | $331,450 (1.4%) | $470,195 (-0.7%) | 1.04 | 39,704 |
| 2019-08-01 | $325,155 (1.6%) | $461,247 (-0.2%) | 1.03 | 40,118 |
| 2019-09-01 | $319,386 (0.8%) | $454,617 (-0.2%) | 1.02 | 40,033 |
| 2019-10-01 | $314,945 (1.1%) | $449,911 (-0.1%) | 1.02 | 39,754 |
| 2019-11-01 | $306,950 (1.6%) | $444,237 (-0.7%) | 1.01 | 36,265 |
| 2019-12-01 | $299,400 (0.9%) | $440,601 (0.3%) | 1.00 | 31,134 |
| 2020-01-01 | $299,450 (0.8%) | $443,832 (0.3%) | 1.00 | 28,367 |
| 2020-02-01 | $319,000 (2.2%) | $466,426 (0.5%) | 1.04 | 28,915 |
| 2020-03-01 | $326,550 (-0.3%) | $475,570 (-0.6%) | 1.02 | 29,490 |
| 2020-04-01 | $324,900 (-4.2%) | $465,809 (-4.2%) | 1.02 | 28,034 |
| 2020-05-01 | $329,900 (-2.9%) | $477,805 (-1.0%) | 1.00 | 28,100 |
| 2020-06-01 | $339,000 (0.2%) | $489,639 (2.5%) | 1.00 | 28,012 |
| 2020-07-01 | $344,000 (3.8%) | $497,445 (5.8%) | 1.00 | 27,048 |
| 2020-08-01 | $346,350 (6.5%) | $502,586 (9.0%) | 0.99 | 26,677 |
| 2020-09-01 | $347,000 (8.7%) | $505,515 (11.2%) | 0.99 | 26,852 |
| 2020-10-01 | $340,000 (8.0%) | $500,832 (11.3%) | 0.97 | 26,905 |
| 2020-11-01 | $334,500 (9.0%) | $498,102 (12.1%) | 0.98 | 24,409 |
| 2020-12-01 | $325,000 (8.6%) | $495,332 (12.4%) | 0.97 | 20,674 |
| 2021-01-01 | $325,000 (8.5%) | $505,448 (13.9%) | 0.97 | 17,802 |
| 2021-02-01 | $339,996 (6.6%) | $544,070 (16.7%) | 0.99 | 15,859 |
| 2021-03-01 | $349,900 (7.2%) | $552,140 (16.1%) | 0.99 | 15,575 |
| 2021-04-01 | $349,950 (7.7%) | $552,512 (18.6%) | 0.95 | 16,203 |
| 2021-05-01 | $350,000 (6.1%) | $549,011 (14.9%) | 0.93 | 17,076 |
| 2021-06-01 | $350,000 (3.2%) | $537,537 (9.8%) | 0.92 | 19,235 |
| 2021-07-01 | $349,900 (1.7%) | $521,806 (4.9%) | 0.92 | 21,317 |
| 2021-08-01 | $339,495 (-2.0%) | $500,342 (-0.5%) | 0.91 | 22,220 |
| 2021-09-01 | $330,000 (-4.9%) | $491,049 (-2.9%) | 0.88 | 22,144 |
| 2021-10-01 | $329,000 (-3.2%) | $487,604 (-2.6%) | 0.88 | 21,486 |
| 2021-11-01 | $322,400 (-3.6%) | $485,721 (-2.5%) | 0.86 | 18,712 |
| 2021-12-01 | $312,500 (-3.9%) | $480,195 (-3.1%) | 0.85 | 15,355 |
| 2022-01-01 | $314,500 (-3.2%) | $492,440 (-2.6%) | 0.85 | 12,564 |
| 2022-02-01 | $324,500 (-4.6%) | $517,338 (-4.9%) | 0.84 | 11,457 |
| 2022-03-01 | $332,500 (-5.0%) | $526,309 (-4.7%) | 0.83 | 11,868 |
| 2022-04-01 | $349,900 (0.0%) | $534,868 (-3.2%) | 0.83 | 12,067 |
| 2022-05-01 | $355,375 (1.5%) | $538,395 (-1.9%) | 0.81 | 14,480 |
| 2022-06-01 | $359,950 (2.8%) | $532,521 (-0.9%) | 0.80 | 16,656 |
| 2022-07-01 | $350,000 (0.0%) | $515,494 (-1.2%) | 0.79 | 19,291 |
| 2022-08-01 | $349,875 (3.1%) | $509,289 (1.8%) | 0.81 | 19,478 |
| 2022-09-01 | $340,000 (3.0%) | $503,762 (2.6%) | 0.79 | 19,384 |
| 2022-10-01 | $339,900 (3.3%) | $499,744 (2.5%) | 0.80 | 19,411 |
| 2022-11-01 | $329,950 (2.3%) | $492,242 (1.3%) | 0.79 | 18,653 |
| 2022-12-01 | $322,938 (3.3%) | $482,288 (0.4%) | 0.80 | 15,983 |
| 2023-01-01 | $327,450 (4.1%) | $493,642 (0.2%) | 0.81 | 14,035 |
| 2023-02-01 | $337,500 (4.0%) | $519,123 (0.4%) | 0.81 | 12,692 |
| 2023-03-01 | $352,450 (6.0%) | $546,041 (3.8%) | 0.83 | 12,065 |
| 2023-04-01 | $369,000 (5.5%) | $569,789 (6.5%) | 0.86 | 11,604 |
| 2023-05-01 | $377,150 (6.1%) | $594,429 (10.4%) | 0.86 | 11,885 |
| 2023-06-01 | $382,500 (6.3%) | $592,009 (11.2%) | 0.86 | 12,817 |
| 2023-07-01 | $389,000 (11.1%) | $590,305 (14.5%) | 0.88 | 13,667 |
| 2023-08-01 | $384,950 (10.0%) | $581,283 (14.1%) | 0.88 | 14,106 |
| 2023-09-01 | $377,000 (10.9%) | $568,437 (12.8%) | 0.88 | 14,689 |
| 2023-10-01 | $371,950 (9.4%) | $562,710 (12.6%) | 0.88 | 15,119 |
| 2023-11-01 | $360,000 (9.1%) | $550,718 (11.9%) | 0.86 | 14,971 |
| 2023-12-01 | $350,000 (8.4%) | $536,637 (11.3%) | 0.85 | 13,067 |
| 2024-01-01 | $351,190 (7.3%) | $549,940 (11.4%) | 0.86 | 11,461 |
| 2024-02-01 | $359,950 (6.7%) | $575,673 (10.9%) | 0.87 | 10,969 |
| 2024-03-01 | $374,990 (6.4%) | $596,249 (9.2%) | 0.88 | 11,106 |
| 2024-04-01 | $389,450 (5.5%) | $609,529 (7.0%) | 0.91 | 11,593 |
| 2024-05-01 | $394,950 (4.7%) | $623,747 (4.9%) | 0.90 | 12,295 |
| 2024-06-01 | $395,000 (3.3%) | $603,861 (2.0%) | 0.90 | 13,522 |
| 2024-07-01 | $394,500 (1.4%) | $585,038 (-0.9%) | 0.90 | 14,906 |
| 2024-08-01 | $385,000 (0.0%) | $567,463 (-2.4%) | 0.90 | 15,706 |
| 2024-09-01 | $379,900 (0.8%) | $554,881 (-2.4%) | 0.89 | 16,735 |
| 2024-10-01 | $371,500 (-0.1%) | $542,967 (-3.5%) | 0.87 | 17,050 |
| 2024-11-01 | $359,900 (0.0%) | $530,896 (-3.6%) | 0.86 | 16,518 |
| 2024-12-01 | $347,450 (-0.7%) | $517,358 (-3.6%) | 0.86 | 13,880 |
| 2025-01-01 | $343,498 (-2.2%) | $519,117 (-5.6%) | 0.86 | 12,423 |
| 2025-02-01 | $349,450 (-2.9%) | $539,603 (-6.3%) | 0.85 | 11,960 |
| 2025-03-01 | $360,000 (-4.0%) | $549,178 (-7.9%) | 0.85 | 12,282 |
| 2025-04-01 | $372,450 (-4.4%) | $559,903 (-8.1%) | 0.86 | 12,919 |
| 2025-05-01 | $379,900 (-3.8%) | $561,415 (-10.0%) | 0.86 | 14,082 |
Lake County's median listing price for 2025-05-01 was $379,900, a difference of
$-15,050
(-3.8%) versus the prior year and
$7,450 versus the prior month.
Lake County's median listing price comes in at 86% of the national average.
Lake County's average listing price for 2025-05-01 was $561,415, a difference of $-62,332 (-10.0%) versus the prior year and $1,512 versus the prior month.
For the 2025-05-01 period, Lake County had 14,082 MLS listings, a difference of 1,163 listings (9%) versus the prior month and 1,787 listings (15%) versus the prior year.
Lake County's median listing price comes in at 86% of the national average.
Lake County's average listing price for 2025-05-01 was $561,415, a difference of $-62,332 (-10.0%) versus the prior year and $1,512 versus the prior month.
For the 2025-05-01 period, Lake County had 14,082 MLS listings, a difference of 1,163 listings (9%) versus the prior month and 1,787 listings (15%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Lake County (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 75 days | 1,898 sqft |
| 2018-02-01 | 54 days | 1,955 sqft |
| 2018-03-01 | 43 days | 2,000 sqft |
| 2018-04-01 | 40 days | 2,022 sqft |
| 2018-05-01 | 40 days | 2,027 sqft |
| 2018-06-01 | 42 days | 2,021 sqft |
| 2018-07-01 | 45 days | 2,000 sqft |
| 2018-08-01 | 47 days | 1,986 sqft |
| 2018-09-01 | 50 days | 1,971 sqft |
| 2018-10-01 | 51 days | 1,938 sqft |
| 2018-11-01 | 56 days | 1,904 sqft |
| 2018-12-01 | 67 days | 1,870 sqft |
| 2019-01-01 | 73 days | 1,866 sqft |
| 2019-02-01 | 55 days | 1,908 sqft |
| 2019-03-01 | 43 days | 1,966 sqft |
| 2019-04-01 | 39 days | 2,000 sqft |
| 2019-05-01 | 40 days | 2,000 sqft |
| 2019-06-01 | 43 days | 2,000 sqft |
| 2019-07-01 | 45 days | 2,000 sqft |
| 2019-08-01 | 48 days | 1,972 sqft |
| 2019-09-01 | 51 days | 1,941 sqft |
| 2019-10-01 | 54 days | 1,918 sqft |
| 2019-11-01 | 61 days | 1,900 sqft |
| 2019-12-01 | 74 days | 1,870 sqft |
| 2020-01-01 | 76 days | 1,863 sqft |
| 2020-02-01 | 45 days | 1,918 sqft |
| 2020-03-01 | 43 days | 1,959 sqft |
| 2020-04-01 | 52 days | 1,929 sqft |
| 2020-05-01 | 60 days | 1,950 sqft |
| 2020-06-01 | 45 days | 1,939 sqft |
| 2020-07-01 | 41 days | 1,906 sqft |
| 2020-08-01 | 40 days | 1,872 sqft |
| 2020-09-01 | 40 days | 1,807 sqft |
| 2020-10-01 | 44 days | 1,792 sqft |
| 2020-11-01 | 50 days | 1,731 sqft |
| 2020-12-01 | 59 days | 1,700 sqft |
| 2021-01-01 | 64 days | 1,682 sqft |
| 2021-02-01 | 45 days | 1,680 sqft |
| 2021-03-01 | 40 days | 1,676 sqft |
| 2021-04-01 | 33 days | 1,693 sqft |
| 2021-05-01 | 33 days | 1,702 sqft |
| 2021-06-01 | 32 days | 1,728 sqft |
| 2021-07-01 | 34 days | 1,728 sqft |
| 2021-08-01 | 36 days | 1,703 sqft |
| 2021-09-01 | 38 days | 1,690 sqft |
| 2021-10-01 | 40 days | 1,669 sqft |
| 2021-11-01 | 45 days | 1,641 sqft |
| 2021-12-01 | 53 days | 1,602 sqft |
| 2022-01-01 | 59 days | 1,600 sqft |
| 2022-02-01 | 39 days | 1,600 sqft |
| 2022-03-01 | 34 days | 1,620 sqft |
| 2022-04-01 | 31 days | 1,653 sqft |
| 2022-05-01 | 29 days | 1,700 sqft |
| 2022-06-01 | 30 days | 1,718 sqft |
| 2022-07-01 | 32 days | 1,728 sqft |
| 2022-08-01 | 36 days | 1,717 sqft |
| 2022-09-01 | 40 days | 1,703 sqft |
| 2022-10-01 | 40 days | 1,705 sqft |
| 2022-11-01 | 44 days | 1,702 sqft |
| 2022-12-01 | 54 days | 1,694 sqft |
| 2023-01-01 | 60 days | 1,700 sqft |
| 2023-02-01 | 44 days | 1,702 sqft |
| 2023-03-01 | 40 days | 1,743 sqft |
| 2023-04-01 | 38 days | 1,782 sqft |
| 2023-05-01 | 34 days | 1,800 sqft |
| 2023-06-01 | 35 days | 1,800 sqft |
| 2023-07-01 | 36 days | 1,813 sqft |
| 2023-08-01 | 36 days | 1,802 sqft |
| 2023-09-01 | 37 days | 1,800 sqft |
| 2023-10-01 | 37 days | 1,794 sqft |
| 2023-11-01 | 42 days | 1,779 sqft |
| 2023-12-01 | 51 days | 1,759 sqft |
| 2024-01-01 | 56 days | 1,759 sqft |
| 2024-02-01 | 40 days | 1,765 sqft |
| 2024-03-01 | 34 days | 1,800 sqft |
| 2024-04-01 | 34 days | 1,800 sqft |
| 2024-05-01 | 29 days | 1,840 sqft |
| 2024-06-01 | 32 days | 1,825 sqft |
| 2024-07-01 | 33 days | 1,824 sqft |
| 2024-08-01 | 36 days | 1,800 sqft |
| 2024-09-01 | 36 days | 1,794 sqft |
| 2024-10-01 | 37 days | 1,772 sqft |
| 2024-11-01 | 43 days | 1,750 sqft |
| 2024-12-01 | 51 days | 1,713 sqft |
| 2025-01-01 | 57 days | 1,698 sqft |
| 2025-02-01 | 43 days | 1,705 sqft |
| 2025-03-01 | 36 days | 1,711 sqft |
| 2025-04-01 | 33 days | 1,734 sqft |
| 2025-05-01 | 32 days | 1,756 sqft |
Lake County's median listing age (time on market) for 2025-05-01 was 32 days.
This
is 10%
longer
than the same period one year ago.
Lake County's median square footage for active listings during the 2025-05-01 period was 1,756 sqft. One year prior, the average listing was 1,840 sqft.
Lake County's median square footage for active listings during the 2025-05-01 period was 1,756 sqft. One year prior, the average listing was 1,840 sqft.