Manitowoc USDA Loan Rates, Closing Costs & Stats
Manitowoc, 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.
Manitowoc's 1 lenders originated 1 USDA loans during 2023. The total origination value was $295,000, with an average USDA loan value of $295,000.
Manitowoc USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Manitowoc
averaged
6.6%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Manitowoc's average USDA mortgage closing costs are $3,853.
The average rate for the prior week (2025-02-07) was
6.56% and
one month ago for the week of 2025-01-10, the
average rate was 6.61%.
The average rate one year ago was 6.4%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.63%.
Manitowoc 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 Manitowoc level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| Paramount Residential Mortgage Group, Inc. | 1 | 7.00% | $12,693 |
The lowest fee Manitowoc USDA lenders (with over 10 loans originated) are
.
The lowest rate Manitowoc USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Manitowoc (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 | $114,450 (4.1%) | $165,972 (10.3%) | 0.00 | 291 |
| 2018-02-01 | $118,000 (9.4%) | $182,810 (22.3%) | 0.00 | 229 |
| 2018-03-01 | $134,900 (25.8%) | $199,691 (29.6%) | 0.00 | 225 |
| 2018-04-01 | $124,925 (18.5%) | $201,400 (32.1%) | 0.00 | 218 |
| 2018-05-01 | $130,200 (17.4%) | $208,130 (33.1%) | 0.00 | 217 |
| 2018-06-01 | $130,200 (13.5%) | $217,444 (33.2%) | 0.00 | 232 |
| 2018-07-01 | $138,725 (17.9%) | $227,215 (36.5%) | 0.00 | 251 |
| 2018-08-01 | $134,900 (12.5%) | $218,422 (27.3%) | 0.00 | 264 |
| 2018-09-01 | $129,900 (8.4%) | $217,665 (26.6%) | 0.00 | 261 |
| 2018-10-01 | $135,350 (13.9%) | $207,008 (17.8%) | 0.00 | 270 |
| 2018-11-01 | $132,450 (15.3%) | $198,504 (14.7%) | 0.00 | 249 |
| 2018-12-01 | $135,000 (17.5%) | $202,553 (19.3%) | 0.00 | 250 |
| 2019-01-01 | $136,675 (19.4%) | $211,874 (27.7%) | 0.00 | 230 |
| 2019-02-01 | $131,175 (11.2%) | $212,478 (16.2%) | 0.00 | 205 |
| 2019-03-01 | $137,786 (2.1%) | $221,486 (10.9%) | 0.00 | 204 |
| 2019-04-01 | $144,900 (16.0%) | $234,445 (16.4%) | 0.00 | 252 |
| 2019-05-01 | $154,700 (18.8%) | $258,992 (24.4%) | 0.00 | 182 |
| 2019-06-01 | $169,900 (30.5%) | $260,091 (19.6%) | 0.00 | 191 |
| 2019-07-01 | $176,825 (27.5%) | $269,736 (18.7%) | 0.00 | 202 |
| 2019-08-01 | $168,118 (24.6%) | $259,485 (18.8%) | 0.00 | 199 |
| 2019-09-01 | $157,870 (21.5%) | $252,167 (15.9%) | 0.00 | 208 |
| 2019-10-01 | $149,900 (10.8%) | $245,204 (18.5%) | 0.00 | 216 |
| 2019-11-01 | $145,700 (10.0%) | $238,029 (19.9%) | 0.00 | 208 |
| 2019-12-01 | $143,308 (6.2%) | $238,016 (17.5%) | 0.00 | 193 |
| 2020-01-01 | $139,900 (2.4%) | $233,283 (10.1%) | 0.00 | 174 |
| 2020-02-01 | $139,900 (6.7%) | $233,931 (10.1%) | 0.00 | 161 |
| 2020-03-01 | $138,750 (0.7%) | $220,267 (-0.6%) | 0.00 | 147 |
| 2020-04-01 | $143,700 (-0.8%) | $236,543 (0.9%) | 0.00 | 142 |
| 2020-05-01 | $176,500 (14.1%) | $236,079 (-8.9%) | 0.00 | 139 |
| 2020-06-01 | $195,950 (15.3%) | $254,030 (-2.3%) | 0.00 | 128 |
| 2020-07-01 | $185,725 (5.0%) | $244,227 (-9.5%) | 0.00 | 118 |
| 2020-08-01 | $179,900 (7.0%) | $235,654 (-9.2%) | 0.00 | 107 |
| 2020-09-01 | $184,450 (16.8%) | $237,422 (-5.9%) | 0.00 | 115 |
| 2020-10-01 | $179,900 (20.0%) | $246,305 (0.5%) | 0.00 | 110 |
| 2020-11-01 | $167,450 (14.9%) | $245,594 (3.2%) | 0.00 | 92 |
| 2020-12-01 | $167,425 (16.8%) | $233,915 (-1.7%) | 0.00 | 79 |
| 2021-01-01 | $169,900 (21.4%) | $243,654 (4.5%) | 0.00 | 68 |
| 2021-02-01 | $190,000 (35.8%) | $274,237 (17.2%) | 0.00 | 50 |
| 2021-03-01 | $183,725 (32.4%) | $271,986 (23.5%) | 0.00 | 53 |
| 2021-04-01 | $175,700 (22.3%) | $277,446 (17.3%) | 0.00 | 60 |
| 2021-05-01 | $214,900 (21.8%) | $295,192 (25.0%) | 0.00 | 71 |
| 2021-06-01 | $225,000 (14.8%) | $292,432 (15.1%) | 0.00 | 92 |
| 2021-07-01 | $224,900 (21.1%) | $291,294 (19.3%) | 0.00 | 104 |
| 2021-08-01 | $207,450 (15.3%) | $279,356 (18.6%) | 0.00 | 113 |
| 2021-09-01 | $193,350 (4.8%) | $283,111 (19.2%) | 0.00 | 106 |
| 2021-10-01 | $182,500 (1.5%) | $267,698 (8.7%) | 0.00 | 111 |
| 2021-11-01 | $167,400 (0.0%) | $273,529 (11.4%) | 0.00 | 110 |
| 2021-12-01 | $165,450 (-1.2%) | $277,239 (18.5%) | 0.00 | 88 |
| 2022-01-01 | $169,450 (-0.3%) | $272,154 (11.7%) | 0.00 | 64 |
| 2022-02-01 | $187,400 (-1.4%) | $271,511 (-1.0%) | 0.00 | 53 |
| 2022-03-01 | $191,000 (4.0%) | $275,417 (1.3%) | 0.00 | 61 |
| 2022-04-01 | $189,000 (7.6%) | $287,848 (3.8%) | 0.00 | 61 |
| 2022-05-01 | $207,875 (-3.3%) | $275,160 (-6.8%) | 0.00 | 72 |
| 2022-06-01 | $228,650 (1.6%) | $292,003 (-0.2%) | 0.00 | 70 |
| 2022-07-01 | $239,900 (6.7%) | $281,481 (-3.4%) | 0.00 | 93 |
| 2022-08-01 | $229,650 (10.7%) | $285,012 (2.0%) | 0.00 | 91 |
| 2022-09-01 | $208,725 (8.0%) | $280,271 (-1.0%) | 0.00 | 86 |
| 2022-10-01 | $220,000 (20.6%) | $276,774 (3.4%) | 0.00 | 87 |
| 2022-11-01 | $249,950 (49.3%) | $292,256 (6.9%) | 0.00 | 82 |
| 2022-12-01 | $249,900 (51.0%) | $280,024 (1.0%) | 0.00 | 65 |
| 2023-01-01 | $279,000 (64.7%) | $298,791 (9.8%) | 0.00 | 56 |
| 2023-02-01 | $269,950 (44.1%) | $322,614 (18.8%) | 0.00 | 53 |
| 2023-03-01 | $249,900 (30.8%) | $303,233 (10.1%) | 0.00 | 73 |
| 2023-04-01 | $229,900 (21.6%) | $275,489 (-4.3%) | 0.00 | 95 |
| 2023-05-01 | $238,650 (14.8%) | $277,995 (1.0%) | 0.00 | 101 |
| 2023-06-01 | $217,950 (-4.7%) | $294,971 (1.0%) | 0.00 | 117 |
| 2023-07-01 | $244,500 (1.9%) | $308,340 (9.5%) | 0.00 | 120 |
| 2023-08-01 | $244,450 (6.4%) | $312,004 (9.5%) | 0.00 | 118 |
| 2023-09-01 | $269,900 (29.3%) | $315,396 (12.5%) | 0.00 | 114 |
| 2023-10-01 | $259,750 (18.1%) | $312,762 (13.0%) | 0.00 | 138 |
| 2023-11-01 | $228,950 (-8.4%) | $291,797 (-0.2%) | 0.00 | 146 |
| 2023-12-01 | $244,500 (-2.2%) | $303,516 (8.4%) | 0.00 | 130 |
| 2024-01-01 | $242,200 (-13.2%) | $314,157 (5.1%) | 0.00 | 106 |
| 2024-02-01 | $231,675 (-14.2%) | $308,030 (-4.5%) | 0.00 | 108 |
| 2024-03-01 | $254,900 (2.0%) | $328,728 (8.4%) | 0.00 | 129 |
| 2024-04-01 | $288,500 (25.5%) | $358,674 (30.2%) | 0.00 | 141 |
| 2024-05-01 | $299,675 (25.6%) | $364,889 (31.3%) | 0.00 | 152 |
| 2024-06-01 | $284,900 (30.7%) | $353,955 (20.0%) | 0.00 | 167 |
| 2024-07-01 | $261,500 (7.0%) | $341,297 (10.7%) | 0.00 | 162 |
| 2024-08-01 | $260,850 (6.7%) | $344,104 (10.3%) | 0.00 | 168 |
| 2024-09-01 | $277,225 (2.7%) | $355,897 (12.8%) | 0.00 | 181 |
| 2024-10-01 | $264,900 (2.0%) | $331,553 (6.0%) | 0.00 | 182 |
| 2024-11-01 | $249,900 (9.2%) | $311,434 (6.7%) | 0.00 | 196 |
| 2024-12-01 | $246,025 (0.6%) | $313,721 (3.4%) | 0.00 | 162 |
| 2025-01-01 | $252,400 (4.2%) | $309,259 (-1.6%) | 0.00 | 147 |
Manitowoc's median listing price comes in at 0% of the national average.
Manitowoc's average listing price for 2025-01-01 was $309,259, a difference of $-4,898 (-1.6%) versus the prior year and $-4,462 versus the prior month.
For the 2025-01-01 period, Manitowoc had 147 MLS listings, a difference of -15 listings (-9%) versus the prior month and 41 listings (39%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Manitowoc (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,519 sqft |
| 2018-02-01 | 0 days | 1,548 sqft |
| 2018-03-01 | 0 days | 1,578 sqft |
| 2018-04-01 | 0 days | 1,587 sqft |
| 2018-05-01 | 0 days | 1,599 sqft |
| 2018-06-01 | 0 days | 1,648 sqft |
| 2018-07-01 | 0 days | 1,666 sqft |
| 2018-08-01 | 0 days | 1,701 sqft |
| 2018-09-01 | 0 days | 1,800 sqft |
| 2018-10-01 | 0 days | 1,768 sqft |
| 2018-11-01 | 0 days | 1,712 sqft |
| 2018-12-01 | 0 days | 1,714 sqft |
| 2019-01-01 | 0 days | 1,661 sqft |
| 2019-02-01 | 0 days | 1,653 sqft |
| 2019-03-01 | 0 days | 1,700 sqft |
| 2019-04-01 | 0 days | 1,719 sqft |
| 2019-05-01 | 0 days | 1,805 sqft |
| 2019-06-01 | 0 days | 1,824 sqft |
| 2019-07-01 | 0 days | 1,821 sqft |
| 2019-08-01 | 0 days | 1,744 sqft |
| 2019-09-01 | 0 days | 1,740 sqft |
| 2019-10-01 | 0 days | 1,727 sqft |
| 2019-11-01 | 0 days | 1,687 sqft |
| 2019-12-01 | 0 days | 1,682 sqft |
| 2020-01-01 | 0 days | 1,617 sqft |
| 2020-02-01 | 0 days | 1,634 sqft |
| 2020-03-01 | 0 days | 1,584 sqft |
| 2020-04-01 | 0 days | 1,646 sqft |
| 2020-05-01 | 0 days | 1,661 sqft |
| 2020-06-01 | 0 days | 1,804 sqft |
| 2020-07-01 | 0 days | 1,848 sqft |
| 2020-08-01 | 0 days | 1,839 sqft |
| 2020-09-01 | 0 days | 1,850 sqft |
| 2020-10-01 | 0 days | 1,830 sqft |
| 2020-11-01 | 0 days | 1,634 sqft |
| 2020-12-01 | 0 days | 1,579 sqft |
| 2021-01-01 | 0 days | 1,581 sqft |
| 2021-02-01 | 0 days | 1,584 sqft |
| 2021-03-01 | 0 days | 1,603 sqft |
| 2021-04-01 | 0 days | 1,606 sqft |
| 2021-05-01 | 0 days | 1,660 sqft |
| 2021-06-01 | 0 days | 1,691 sqft |
| 2021-07-01 | 0 days | 1,693 sqft |
| 2021-08-01 | 0 days | 1,657 sqft |
| 2021-09-01 | 0 days | 1,644 sqft |
| 2021-10-01 | 0 days | 1,598 sqft |
| 2021-11-01 | 0 days | 1,556 sqft |
| 2021-12-01 | 0 days | 1,512 sqft |
| 2022-01-01 | 0 days | 1,571 sqft |
| 2022-02-01 | 0 days | 1,648 sqft |
| 2022-03-01 | 0 days | 1,647 sqft |
| 2022-04-01 | 0 days | 1,650 sqft |
| 2022-05-01 | 0 days | 1,725 sqft |
| 2022-06-01 | 0 days | 1,744 sqft |
| 2022-07-01 | 0 days | 1,676 sqft |
| 2022-08-01 | 0 days | 1,611 sqft |
| 2022-09-01 | 0 days | 1,632 sqft |
| 2022-10-01 | 0 days | 1,664 sqft |
| 2022-11-01 | 0 days | 1,716 sqft |
| 2022-12-01 | 0 days | 1,670 sqft |
| 2023-01-01 | 0 days | 1,690 sqft |
| 2023-02-01 | 0 days | 1,688 sqft |
| 2023-03-01 | 0 days | 1,620 sqft |
| 2023-04-01 | 0 days | 1,524 sqft |
| 2023-05-01 | 0 days | 1,601 sqft |
| 2023-06-01 | 0 days | 1,576 sqft |
| 2023-07-01 | 0 days | 1,638 sqft |
| 2023-08-01 | 0 days | 1,680 sqft |
| 2023-09-01 | 0 days | 1,694 sqft |
| 2023-10-01 | 0 days | 1,640 sqft |
| 2023-11-01 | 0 days | 1,608 sqft |
| 2023-12-01 | 0 days | 1,638 sqft |
| 2024-01-01 | 0 days | 1,645 sqft |
| 2024-02-01 | 0 days | 1,509 sqft |
| 2024-03-01 | 0 days | 1,638 sqft |
| 2024-04-01 | 0 days | 1,799 sqft |
| 2024-05-01 | 0 days | 1,901 sqft |
| 2024-06-01 | 0 days | 1,758 sqft |
| 2024-07-01 | 0 days | 1,762 sqft |
| 2024-08-01 | 0 days | 1,716 sqft |
| 2024-09-01 | 0 days | 1,803 sqft |
| 2024-10-01 | 0 days | 1,720 sqft |
| 2024-11-01 | 0 days | 1,638 sqft |
| 2024-12-01 | 0 days | 1,651 sqft |
| 2025-01-01 | 0 days | 1,680 sqft |
Manitowoc's median square footage for active listings during the 2025-01-01 period was 1,680 sqft. One year prior, the average listing was 1,645 sqft.