Marinette USDA Loan Rates, Closing Costs & Stats

Marinette, WI-MI

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    • 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.

    Marinette's 9 lenders originated 20 USDA loans during 2023. The total origination value was $2,670,000, with an average USDA loan value of $133,500.

    Marinette USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Marinette averaged 6.42% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Marinette's average USDA mortgage closing costs are $4,128.

    The average rate for the prior week (2025-02-07) was 6.68% and one month ago for the week of 2025-01-10, the average rate was 6.83%.

    The average rate one year ago was 6.72%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.43%.

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

    Marinette 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 Marinette level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    GUARANTEED RATE, INC. 7 7.09% $5,440
    Flagstar Bank, FSB 4 6.75% $5,123
    GUILD MORTGAGE COMPANY 1 6.13% $5,488
    J. VIRGIL, INC. 1 7.13% $7,368
    Paramount Residential Mortgage Group, Inc. 1 6.63% $4,639
    UNITED WHOLESALE MORTGAGE, LLC 1 6.50% $4,982
    CoVantage Credit Union 1 6.00% $5,800
    V.I.P. MORTGAGE, INC. 1 7.50% $8,527
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 7.63% $5,149

    The top Marinette USDA lender as defined by loan originations is GUARANTEED RATE, INC., with 7 USDA loans originated. Their average total fees are $5,440, which is $317 higher than the next largest lender, Flagstar Bank, FSB.

    The lowest fee Marinette USDA lenders (with over 10 loans originated) are .

    The lowest rate Marinette USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Marinette (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 $119,575 (8.8%) $173,789 (0.4%) 0.00 428
    2018-02-01 $124,950 (11.2%) $178,884 (0.8%) 0.00 432
    2018-03-01 $125,925 (5.8%) $178,932 (0.9%) 0.00 412
    2018-04-01 $129,950 (3.2%) $195,345 (6.2%) 0.00 415
    2018-05-01 $137,475 (7.6%) $202,203 (11.6%) 0.00 431
    2018-06-01 $134,900 (3.9%) $183,731 (0.8%) 0.00 493
    2018-07-01 $138,975 (11.3%) $181,650 (-2.9%) 0.00 613
    2018-08-01 $130,000 (4.1%) $175,351 (-7.8%) 0.00 669
    2018-09-01 $134,900 (8.4%) $181,351 (-1.0%) 0.00 569
    2018-10-01 $138,975 (9.9%) $186,767 (1.4%) 0.00 532
    2018-11-01 $139,425 (12.3%) $188,385 (3.1%) 0.00 519
    2018-12-01 $134,900 (12.5%) $188,333 (6.3%) 0.00 473
    2019-01-01 $131,450 (9.9%) $192,308 (10.7%) 0.00 418
    2019-02-01 $131,425 (5.2%) $193,205 (8.0%) 0.00 412
    2019-03-01 $129,900 (3.2%) $189,936 (6.2%) 0.00 417
    2019-04-01 $132,400 (1.9%) $187,421 (-4.1%) 0.00 439
    2019-05-01 $129,900 (-5.5%) $186,603 (-7.7%) 0.00 460
    2019-06-01 $129,900 (-3.7%) $180,384 (-1.8%) 0.00 514
    2019-07-01 $129,900 (-6.5%) $179,901 (-1.0%) 0.00 515
    2019-08-01 $130,200 (0.2%) $181,841 (3.7%) 0.00 511
    2019-09-01 $130,650 (-3.2%) $182,720 (0.8%) 0.00 496
    2019-10-01 $135,450 (-2.5%) $185,545 (-0.7%) 0.00 454
    2019-11-01 $139,000 (-0.3%) $185,779 (-1.4%) 0.00 389
    2019-12-01 $130,925 (-3.0%) $179,266 (-4.8%) 0.00 338
    2020-01-01 $129,900 (-1.2%) $180,154 (-6.3%) 0.00 303
    2020-02-01 $139,900 (6.5%) $181,684 (-6.0%) 0.00 308
    2020-03-01 $149,900 (15.4%) $194,548 (2.4%) 0.00 305
    2020-04-01 $149,900 (13.2%) $195,804 (4.5%) 0.00 272
    2020-05-01 $149,900 (15.4%) $200,102 (7.2%) 0.00 270
    2020-06-01 $146,900 (13.1%) $200,432 (11.1%) 0.00 301
    2020-07-01 $145,900 (12.3%) $202,025 (12.3%) 0.00 315
    2020-08-01 $149,900 (15.1%) $205,264 (12.9%) 0.00 280
    2020-09-01 $149,900 (14.7%) $213,220 (16.7%) 0.00 266
    2020-10-01 $142,450 (5.2%) $205,373 (10.7%) 0.00 237
    2020-11-01 $135,650 (-2.4%) $201,887 (8.7%) 0.00 197
    2020-12-01 $132,900 (1.5%) $211,890 (18.2%) 0.00 172
    2021-01-01 $139,900 (7.7%) $219,616 (21.9%) 0.00 146
    2021-02-01 $148,675 (6.3%) $238,175 (31.1%) 0.00 131
    2021-03-01 $162,650 (8.5%) $252,475 (29.8%) 0.00 115
    2021-04-01 $159,400 (6.3%) $243,010 (24.1%) 0.00 117
    2021-05-01 $157,400 (5.0%) $226,738 (13.3%) 0.00 136
    2021-06-01 $150,950 (2.8%) $223,221 (11.4%) 0.00 160
    2021-07-01 $159,900 (9.6%) $231,550 (14.6%) 0.00 181
    2021-08-01 $169,900 (13.3%) $242,182 (18.0%) 0.00 177
    2021-09-01 $167,450 (11.7%) $235,162 (10.3%) 0.00 180
    2021-10-01 $169,900 (19.3%) $251,115 (22.3%) 0.00 171
    2021-11-01 $156,725 (15.5%) $254,658 (26.1%) 0.00 139
    2021-12-01 $159,300 (19.9%) $270,046 (27.5%) 0.00 113
    2022-01-01 $159,900 (14.3%) $300,582 (36.9%) 0.00 90
    2022-02-01 $159,925 (7.6%) $325,430 (36.6%) 0.00 79
    2022-03-01 $179,900 (10.6%) $372,149 (47.4%) 0.00 78
    2022-04-01 $179,900 (12.9%) $279,851 (15.2%) 0.00 96
    2022-05-01 $204,950 (30.2%) $285,614 (26.0%) 0.00 97
    2022-06-01 $188,650 (25.0%) $271,143 (21.5%) 0.00 131
    2022-07-01 $182,450 (14.1%) $261,704 (13.0%) 0.00 136
    2022-08-01 $177,450 (4.4%) $252,446 (4.2%) 0.00 148
    2022-09-01 $174,900 (4.5%) $246,123 (4.7%) 0.00 160
    2022-10-01 $174,900 (2.9%) $248,861 (-0.9%) 0.00 150
    2022-11-01 $179,900 (14.8%) $242,182 (-4.9%) 0.00 153
    2022-12-01 $190,000 (19.3%) $239,899 (-11.2%) 0.00 144
    2023-01-01 $199,900 (25.0%) $257,331 (-14.4%) 0.00 110
    2023-02-01 $212,975 (33.2%) $273,221 (-16.0%) 0.00 96
    2023-03-01 $222,425 (23.6%) $278,836 (-25.1%) 0.00 84
    2023-04-01 $222,400 (23.6%) $291,148 (4.0%) 0.00 86
    2023-05-01 $219,175 (6.9%) $285,637 (0.0%) 0.00 100
    2023-06-01 $225,000 (19.3%) $293,867 (8.4%) 0.00 110
    2023-07-01 $249,900 (37.0%) $300,932 (15.0%) 0.00 112
    2023-08-01 $224,975 (26.8%) $294,043 (16.5%) 0.00 146
    2023-09-01 $225,000 (28.6%) $294,143 (19.5%) 0.00 153
    2023-10-01 $244,900 (40.0%) $291,723 (17.2%) 0.00 153
    2023-11-01 $227,450 (26.4%) $288,483 (19.1%) 0.00 142
    2023-12-01 $199,900 (5.2%) $280,456 (16.9%) 0.00 122
    2024-01-01 $207,450 (3.8%) $274,630 (6.7%) 0.00 112
    2024-02-01 $207,400 (-2.6%) $306,686 (12.3%) 0.00 101
    2024-03-01 $224,900 (1.1%) $323,241 (15.9%) 0.00 106
    2024-04-01 $239,900 (7.9%) $346,191 (18.9%) 0.00 120
    2024-05-01 $242,400 (10.6%) $338,523 (18.5%) 0.00 145
    2024-06-01 $243,250 (8.1%) $347,747 (18.3%) 0.00 149
    2024-07-01 $268,675 (7.5%) $348,869 (15.9%) 0.00 168
    2024-08-01 $259,900 (15.5%) $346,666 (17.9%) 0.00 188
    2024-09-01 $241,175 (7.2%) $329,027 (11.9%) 0.00 189
    2024-10-01 $234,900 (-4.1%) $327,436 (12.2%) 0.00 183
    2024-11-01 $229,900 (1.1%) $316,101 (9.6%) 0.00 187
    2024-12-01 $224,725 (12.4%) $337,050 (20.2%) 0.00 162
    2025-01-01 $223,500 (7.7%) $344,602 (25.5%) 0.00 133
    Marinette's median listing price for 2025-01-01 was $223,500, a difference of $16,050 (7.7%) versus the prior year and $-1,225 versus the prior month.

    Marinette's median listing price comes in at 0% of the national average.

    Marinette's average listing price for 2025-01-01 was $344,602, a difference of $69,972 (25.5%) versus the prior year and $7,552 versus the prior month.

    For the 2025-01-01 period, Marinette had 133 MLS listings, a difference of -29 listings (-18%) versus the prior month and 21 listings (19%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Marinette (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,430 sqft
    2018-02-01 0 days 1,447 sqft
    2018-03-01 0 days 1,428 sqft
    2018-04-01 0 days 1,421 sqft
    2018-05-01 0 days 1,512 sqft
    2018-06-01 0 days 1,494 sqft
    2018-07-01 0 days 1,422 sqft
    2018-08-01 0 days 1,400 sqft
    2018-09-01 0 days 1,465 sqft
    2018-10-01 0 days 1,474 sqft
    2018-11-01 0 days 1,456 sqft
    2018-12-01 0 days 1,434 sqft
    2019-01-01 0 days 1,418 sqft
    2019-02-01 0 days 1,439 sqft
    2019-03-01 0 days 1,420 sqft
    2019-04-01 0 days 1,392 sqft
    2019-05-01 0 days 1,399 sqft
    2019-06-01 0 days 1,440 sqft
    2019-07-01 0 days 1,412 sqft
    2019-08-01 0 days 1,418 sqft
    2019-09-01 0 days 1,408 sqft
    2019-10-01 0 days 1,426 sqft
    2019-11-01 0 days 1,460 sqft
    2019-12-01 0 days 1,452 sqft
    2020-01-01 0 days 1,448 sqft
    2020-02-01 0 days 1,521 sqft
    2020-03-01 0 days 1,536 sqft
    2020-04-01 0 days 1,537 sqft
    2020-05-01 0 days 1,512 sqft
    2020-06-01 0 days 1,445 sqft
    2020-07-01 0 days 1,432 sqft
    2020-08-01 0 days 1,458 sqft
    2020-09-01 0 days 1,449 sqft
    2020-10-01 0 days 1,400 sqft
    2020-11-01 0 days 1,408 sqft
    2020-12-01 0 days 1,505 sqft
    2021-01-01 0 days 1,600 sqft
    2021-02-01 0 days 1,681 sqft
    2021-03-01 0 days 1,697 sqft
    2021-04-01 0 days 1,600 sqft
    2021-05-01 0 days 1,556 sqft
    2021-06-01 0 days 1,568 sqft
    2021-07-01 0 days 1,456 sqft
    2021-08-01 0 days 1,497 sqft
    2021-09-01 0 days 1,499 sqft
    2021-10-01 0 days 1,500 sqft
    2021-11-01 0 days 1,492 sqft
    2021-12-01 0 days 1,504 sqft
    2022-01-01 0 days 1,500 sqft
    2022-02-01 0 days 1,435 sqft
    2022-03-01 0 days 1,400 sqft
    2022-04-01 0 days 1,509 sqft
    2022-05-01 0 days 1,583 sqft
    2022-06-01 0 days 1,497 sqft
    2022-07-01 0 days 1,450 sqft
    2022-08-01 0 days 1,446 sqft
    2022-09-01 0 days 1,401 sqft
    2022-10-01 0 days 1,424 sqft
    2022-11-01 0 days 1,402 sqft
    2022-12-01 0 days 1,457 sqft
    2023-01-01 0 days 1,627 sqft
    2023-02-01 0 days 1,687 sqft
    2023-03-01 0 days 1,593 sqft
    2023-04-01 0 days 1,568 sqft
    2023-05-01 0 days 1,478 sqft
    2023-06-01 0 days 1,474 sqft
    2023-07-01 0 days 1,500 sqft
    2023-08-01 0 days 1,483 sqft
    2023-09-01 0 days 1,512 sqft
    2023-10-01 0 days 1,599 sqft
    2023-11-01 0 days 1,610 sqft
    2023-12-01 0 days 1,535 sqft
    2024-01-01 0 days 1,467 sqft
    2024-02-01 0 days 1,527 sqft
    2024-03-01 0 days 1,554 sqft
    2024-04-01 0 days 1,567 sqft
    2024-05-01 0 days 1,546 sqft
    2024-06-01 0 days 1,562 sqft
    2024-07-01 0 days 1,553 sqft
    2024-08-01 0 days 1,523 sqft
    2024-09-01 0 days 1,543 sqft
    2024-10-01 0 days 1,512 sqft
    2024-11-01 0 days 1,500 sqft
    2024-12-01 0 days 1,449 sqft
    2025-01-01 0 days 1,443 sqft
    Marinette's median listing age (time on market) for 2025-01-01 was 0 days.

    Marinette's median square footage for active listings during the 2025-01-01 period was 1,443 sqft. One year prior, the average listing was 1,467 sqft.