Liberal USDA Loan Rates, Closing Costs & Stats
Liberal, KS
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.
Liberal's 4 lenders originated 11 USDA loans during 2024. The total origination value was $1,745,000, with an average USDA loan value of $158,636.
Liberal USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Liberal
averaged
6.02%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Liberal's average USDA mortgage closing costs are $5,902.
The average rate for the prior week (2025-05-16) was
6.15% and
one month ago for the week of 2025-04-18, the
average rate was 6.24%.
The average rate one year ago was 6.5%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.43%.
Liberal 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 Liberal level.
Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
---|---|---|---|
CMG MORTGAGE, INC. | 7 | 6.25% | $6,625 |
Paramount Residential Mortgage Group, Inc. | 2 | 6.56% | $5,508 |
GOLDEN PLAINS | 1 | 6.50% | $4,216 |
PLAZA HOME MORTGAGE, INC. | 1 | 6.63% | $3,628 |
The top Liberal USDA lender as defined by loan originations is CMG MORTGAGE, INC., with
7 USDA loans originated. Their average total fees are
$6,625, which is $1,117
higher than the next largest lender,
Paramount Residential Mortgage Group, Inc..
The lowest fee Liberal USDA lenders (with over 10 loans originated) are
.
The lowest rate Liberal USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Liberal (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $119,550 (-12.4%) | $140,147 (-12.3%) | 0.00 | 65 |
2018-02-01 | $126,125 (-8.4%) | $148,586 (-8.2%) | 0.00 | 67 |
2018-03-01 | $125,500 (-14.7%) | $146,618 (-11.0%) | 0.00 | 70 |
2018-04-01 | $131,224 (-6.3%) | $147,822 (-8.2%) | 0.00 | 69 |
2018-05-01 | $141,250 (4.6%) | $151,313 (-5.8%) | 0.00 | 75 |
2018-06-01 | $140,000 (3.7%) | $152,228 (-4.3%) | 0.00 | 71 |
2018-07-01 | $146,563 (13.8%) | $154,432 (4.0%) | 0.00 | 72 |
2018-08-01 | $149,313 (21.9%) | $153,831 (8.0%) | 0.00 | 71 |
2018-09-01 | $139,900 (12.6%) | $151,636 (6.6%) | 0.00 | 70 |
2018-10-01 | $130,000 (5.1%) | $146,987 (3.1%) | 0.00 | 74 |
2018-11-01 | $135,000 (22.2%) | $149,677 (12.1%) | 0.00 | 72 |
2018-12-01 | $134,000 (18.1%) | $149,890 (13.6%) | 0.00 | 73 |
2019-01-01 | $136,250 (14.0%) | $146,835 (4.8%) | 0.00 | 67 |
2019-02-01 | $145,968 (15.7%) | $148,907 (0.2%) | 0.00 | 72 |
2019-03-01 | $149,494 (19.1%) | $154,506 (5.4%) | 0.00 | 74 |
2019-04-01 | $150,499 (14.7%) | $158,668 (7.3%) | 0.00 | 71 |
2019-05-01 | $148,938 (5.4%) | $150,985 (-0.2%) | 0.00 | 63 |
2019-06-01 | $145,000 (3.6%) | $153,229 (0.7%) | 0.00 | 69 |
2019-07-01 | $149,500 (2.0%) | $159,143 (3.1%) | 0.00 | 75 |
2019-08-01 | $147,245 (-1.4%) | $160,247 (4.2%) | 0.00 | 72 |
2019-09-01 | $143,114 (2.3%) | $158,581 (4.6%) | 0.00 | 72 |
2019-10-01 | $139,900 (7.6%) | $157,354 (7.1%) | 0.00 | 72 |
2019-11-01 | $138,000 (2.2%) | $156,979 (4.9%) | 0.00 | 72 |
2019-12-01 | $136,125 (1.6%) | $154,373 (3.0%) | 0.00 | 64 |
2020-01-01 | $134,950 (-1.0%) | $151,246 (3.0%) | 0.00 | 61 |
2020-02-01 | $129,900 (-11.0%) | $150,100 (0.8%) | 0.00 | 63 |
2020-03-01 | $133,975 (-10.4%) | $153,104 (-0.9%) | 0.00 | 70 |
2020-04-01 | $136,500 (-9.3%) | $151,241 (-4.7%) | 0.00 | 70 |
2020-05-01 | $138,000 (-7.3%) | $157,768 (4.5%) | 0.00 | 58 |
2020-06-01 | $150,388 (3.7%) | $174,934 (14.2%) | 0.00 | 46 |
2020-07-01 | $145,225 (-2.9%) | $174,015 (9.4%) | 0.00 | 41 |
2020-08-01 | $145,000 (-1.5%) | $189,731 (18.4%) | 0.00 | 35 |
2020-09-01 | $169,850 (18.7%) | $201,112 (26.8%) | 0.00 | 27 |
2020-10-01 | $170,000 (21.5%) | $203,745 (29.5%) | 0.00 | 24 |
2020-11-01 | $147,725 (7.1%) | $195,018 (24.2%) | 0.00 | 24 |
2020-12-01 | $148,975 (9.4%) | $189,037 (22.5%) | 0.00 | 25 |
2021-01-01 | $144,900 (7.4%) | $182,674 (20.8%) | 0.00 | 23 |
2021-02-01 | $164,950 (27.0%) | $186,427 (24.2%) | 0.00 | 17 |
2021-03-01 | $126,725 (-5.4%) | $166,156 (8.5%) | 0.00 | 12 |
2021-04-01 | $154,750 (13.4%) | $184,753 (22.2%) | 0.00 | 12 |
2021-05-01 | $140,000 (1.5%) | $168,262 (6.7%) | 0.00 | 10 |
2021-06-01 | $135,500 (-9.9%) | $161,944 (-7.4%) | 0.00 | 14 |
2021-07-01 | $141,750 (-2.4%) | $157,030 (-9.8%) | 0.00 | 19 |
2021-08-01 | $137,500 (-5.2%) | $149,506 (-21.2%) | 0.00 | 26 |
2021-09-01 | $139,675 (-17.8%) | $150,873 (-25.0%) | 0.00 | 27 |
2021-10-01 | $132,500 (-22.1%) | $155,129 (-23.9%) | 0.00 | 28 |
2021-11-01 | $132,475 (-10.3%) | $164,254 (-15.8%) | 0.00 | 23 |
2021-12-01 | $135,000 (-9.4%) | $173,409 (-8.3%) | 0.00 | 18 |
2022-01-01 | $140,000 (-3.4%) | $186,819 (2.3%) | 0.00 | 12 |
2022-02-01 | $129,050 (-21.8%) | $188,755 (1.3%) | 0.00 | 11 |
2022-03-01 | $135,975 (7.3%) | $153,013 (-7.9%) | 0.00 | 8 |
2022-04-01 | $143,000 (-7.6%) | $176,660 (-4.4%) | 0.00 | 7 |
2022-05-01 | $170,475 (21.8%) | $206,183 (22.5%) | 0.00 | 8 |
2022-06-01 | $135,750 (0.2%) | $174,039 (7.5%) | 0.00 | 11 |
2022-07-01 | $170,000 (19.9%) | $187,618 (19.5%) | 0.00 | 14 |
2022-08-01 | $168,200 (22.3%) | $202,582 (35.5%) | 0.00 | 15 |
2022-09-01 | $192,500 (37.8%) | $225,506 (49.5%) | 0.00 | 11 |
2022-10-01 | $204,250 (54.2%) | $210,843 (35.9%) | 0.00 | 13 |
2022-11-01 | $190,350 (43.7%) | $200,524 (22.1%) | 0.00 | 11 |
2022-12-01 | $159,000 (17.8%) | $194,620 (12.2%) | 0.00 | 18 |
2023-01-01 | $154,950 (10.7%) | $191,221 (2.4%) | 0.00 | 16 |
2023-02-01 | $174,950 (35.6%) | $207,275 (9.8%) | 0.00 | 14 |
2023-03-01 | $178,500 (31.3%) | $203,232 (32.8%) | 0.00 | 18 |
2023-04-01 | $192,450 (34.6%) | $218,439 (23.7%) | 0.00 | 18 |
2023-05-01 | $210,000 (23.2%) | $229,938 (11.5%) | 0.00 | 17 |
2023-06-01 | $249,950 (84.1%) | $247,218 (42.1%) | 0.00 | 13 |
2023-07-01 | $234,950 (38.2%) | $245,806 (31.0%) | 0.00 | 13 |
2023-08-01 | $220,500 (31.1%) | $230,843 (14.0%) | 0.00 | 14 |
2023-09-01 | $206,500 (7.3%) | $228,933 (1.5%) | 0.00 | 19 |
2023-10-01 | $162,375 (-20.5%) | $223,067 (5.8%) | 0.00 | 18 |
2023-11-01 | $180,925 (-5.0%) | $223,005 (11.2%) | 0.00 | 20 |
2023-12-01 | $179,900 (13.1%) | $219,662 (12.9%) | 0.00 | 20 |
2024-01-01 | $199,875 (29.0%) | $227,763 (19.1%) | 0.00 | 18 |
2024-02-01 | $198,475 (13.5%) | $208,932 (0.8%) | 0.00 | 20 |
2024-03-01 | $150,000 (-16.0%) | $200,107 (-1.5%) | 0.00 | 17 |
2024-04-01 | $150,000 (-22.1%) | $206,873 (-5.3%) | 0.00 | 15 |
2024-05-01 | $161,750 (-23.0%) | $200,841 (-12.7%) | 0.00 | 19 |
2024-06-01 | $195,900 (-21.6%) | $218,693 (-11.5%) | 0.00 | 26 |
2024-07-01 | $200,600 (-14.6%) | $213,438 (-13.2%) | 0.00 | 38 |
2024-08-01 | $218,750 (-0.8%) | $241,015 (4.4%) | 0.00 | 42 |
2024-09-01 | $215,625 (4.4%) | $236,675 (3.4%) | 0.00 | 42 |
2024-10-01 | $211,000 (30.0%) | $231,771 (3.9%) | 0.00 | 40 |
2024-11-01 | $208,000 (15.0%) | $227,698 (2.1%) | 0.00 | 42 |
2024-12-01 | $198,679 (10.4%) | $209,339 (-4.7%) | 0.00 | 38 |
2025-01-01 | $192,500 (-3.7%) | $213,063 (-6.5%) | 0.00 | 37 |
2025-02-01 | $193,750 (-2.4%) | $215,124 (3.0%) | 0.00 | 37 |
2025-03-01 | $175,000 (16.7%) | $203,231 (1.6%) | 0.00 | 40 |
2025-04-01 | $190,000 (26.7%) | $212,012 (2.5%) | 0.00 | 39 |
Liberal's median listing price comes in at 0% of the national average.
Liberal's average listing price for 2025-04-01 was $212,012, a difference of $5,139 (2.5%) versus the prior year and $8,781 versus the prior month.
For the 2025-04-01 period, Liberal had 39 MLS listings, a difference of -1 listings (-3%) versus the prior month and 24 listings (160%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Liberal (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,780 sqft |
2018-02-01 | 0 days | 1,824 sqft |
2018-03-01 | 0 days | 1,747 sqft |
2018-04-01 | 0 days | 1,736 sqft |
2018-05-01 | 0 days | 1,844 sqft |
2018-06-01 | 0 days | 1,887 sqft |
2018-07-01 | 0 days | 1,947 sqft |
2018-08-01 | 0 days | 2,058 sqft |
2018-09-01 | 0 days | 1,920 sqft |
2018-10-01 | 0 days | 1,970 sqft |
2018-11-01 | 0 days | 2,070 sqft |
2018-12-01 | 0 days | 2,087 sqft |
2019-01-01 | 0 days | 2,116 sqft |
2019-02-01 | 0 days | 2,170 sqft |
2019-03-01 | 0 days | 2,174 sqft |
2019-04-01 | 0 days | 2,216 sqft |
2019-05-01 | 0 days | 2,131 sqft |
2019-06-01 | 0 days | 2,057 sqft |
2019-07-01 | 0 days | 2,135 sqft |
2019-08-01 | 0 days | 2,159 sqft |
2019-09-01 | 0 days | 2,196 sqft |
2019-10-01 | 0 days | 2,221 sqft |
2019-11-01 | 0 days | 2,126 sqft |
2019-12-01 | 0 days | 2,157 sqft |
2020-01-01 | 0 days | 1,930 sqft |
2020-02-01 | 0 days | 1,839 sqft |
2020-03-01 | 0 days | 1,839 sqft |
2020-04-01 | 0 days | 1,851 sqft |
2020-05-01 | 0 days | 1,897 sqft |
2020-06-01 | 0 days | 2,003 sqft |
2020-07-01 | 0 days | 2,052 sqft |
2020-08-01 | 0 days | 2,034 sqft |
2020-09-01 | 0 days | 2,195 sqft |
2020-10-01 | 0 days | 1,980 sqft |
2020-11-01 | 0 days | 1,963 sqft |
2020-12-01 | 0 days | 1,971 sqft |
2021-01-01 | 0 days | 1,904 sqft |
2021-02-01 | 0 days | 2,310 sqft |
2021-03-01 | 0 days | 1,963 sqft |
2021-04-01 | 0 days | 2,098 sqft |
2021-05-01 | 0 days | 1,857 sqft |
2021-06-01 | 0 days | 1,937 sqft |
2021-07-01 | 0 days | 1,937 sqft |
2021-08-01 | 0 days | 1,835 sqft |
2021-09-01 | 0 days | 1,848 sqft |
2021-10-01 | 0 days | 1,814 sqft |
2021-11-01 | 0 days | 1,805 sqft |
2021-12-01 | 0 days | 1,787 sqft |
2022-01-01 | 0 days | 1,824 sqft |
2022-02-01 | 0 days | 1,865 sqft |
2022-03-01 | 0 days | 1,699 sqft |
2022-04-01 | 0 days | 1,772 sqft |
2022-05-01 | 0 days | 2,042 sqft |
2022-06-01 | 0 days | 1,792 sqft |
2022-07-01 | 0 days | 1,982 sqft |
2022-08-01 | 0 days | 1,892 sqft |
2022-09-01 | 0 days | 2,264 sqft |
2022-10-01 | 0 days | 2,064 sqft |
2022-11-01 | 0 days | 2,441 sqft |
2022-12-01 | 0 days | 1,986 sqft |
2023-01-01 | 0 days | 1,683 sqft |
2023-02-01 | 0 days | 1,919 sqft |
2023-03-01 | 0 days | 1,830 sqft |
2023-04-01 | 0 days | 2,064 sqft |
2023-05-01 | 0 days | 2,020 sqft |
2023-06-01 | 0 days | 2,495 sqft |
2023-07-01 | 0 days | 2,477 sqft |
2023-08-01 | 0 days | 2,453 sqft |
2023-09-01 | 0 days | 2,241 sqft |
2023-10-01 | 0 days | 1,981 sqft |
2023-11-01 | 0 days | 1,637 sqft |
2023-12-01 | 0 days | 1,811 sqft |
2024-01-01 | 0 days | 1,881 sqft |
2024-02-01 | 0 days | 1,943 sqft |
2024-03-01 | 0 days | 1,768 sqft |
2024-04-01 | 0 days | 1,854 sqft |
2024-05-01 | 0 days | 1,775 sqft |
2024-06-01 | 0 days | 1,781 sqft |
2024-07-01 | 0 days | 1,888 sqft |
2024-08-01 | 0 days | 1,986 sqft |
2024-09-01 | 0 days | 2,047 sqft |
2024-10-01 | 0 days | 2,030 sqft |
2024-11-01 | 0 days | 2,055 sqft |
2024-12-01 | 0 days | 1,992 sqft |
2025-01-01 | 0 days | 2,079 sqft |
2025-02-01 | 0 days | 2,051 sqft |
2025-03-01 | 0 days | 1,984 sqft |
2025-04-01 | 0 days | 1,990 sqft |
Liberal's median square footage for active listings during the 2025-04-01 period was 1,990 sqft. One year prior, the average listing was 1,854 sqft.