Moberly USDA Loan Rates, Closing Costs & Stats

Moberly, MO

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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.

    Moberly's 12 lenders originated 30 USDA loans during 2024. The total origination value was $4,740,000, with an average USDA loan value of $158,000.

    Moberly USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Moberly averaged 6.69% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

    Moberly's average USDA mortgage closing costs are $3,773.

    The average rate for the prior week (2025-03-28) was 6.85% and one month ago for the week of 2025-02-28, the average rate was 6.5%.

    The average rate one year ago was 6.96%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.42%.

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

    Moberly 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 Moberly level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    FLAT BRANCH MORTGAGE, INC. 9 6.53% $4,777
    DAS Acquisition Company, LLC 5 6.90% $5,821
    The Central Trust Bank 3 6.63% $4,049
    PLAZA HOME MORTGAGE, INC. 2 6.75% $5,121
    Midwest Mortgage Associates Corporation 1 6.25% $1,535
    Mortgage Research Center, LLC 1 7.25% $1,726
    Paramount Residential Mortgage Group, Inc. 1 6.63% $4,850
    CMG MORTGAGE, INC. 1 6.13% $3,839
    UNITED WHOLESALE MORTGAGE, LLC 1 6.75% $3,527
    Equity Prime Mortgage LLC 1 7.25% $3,896
    First State Community Bank 1 6.50% $4,236
    MID AMERICA MORTGAGE, INC. 1 6.25% $5,214

    The top Moberly USDA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with 9 USDA loans originated. Their average total fees are $4,777, which is $1,044 lower than the next largest lender, DAS Acquisition Company, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Moberly (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 $94,775 (10.4%) $137,610 (18.9%) 0.00 73
    2018-02-01 $89,900 (0.1%) $131,964 (11.5%) 0.00 72
    2018-03-01 $111,270 (-2.4%) $147,347 (15.8%) 0.00 69
    2018-04-01 $119,900 (29.0%) $148,803 (13.3%) 0.00 60
    2018-05-01 $127,400 (43.6%) $149,121 (13.1%) 0.00 63
    2018-06-01 $124,950 (31.9%) $146,187 (7.9%) 0.00 67
    2018-07-01 $93,975 (-14.6%) $138,341 (-7.5%) 0.00 88
    2018-08-01 $98,175 (-12.7%) $139,619 (-6.7%) 0.00 88
    2018-09-01 $89,900 (-14.0%) $149,000 (4.7%) 0.00 95
    2018-10-01 $122,400 (30.7%) $158,049 (16.5%) 0.00 74
    2018-11-01 $129,800 (37.7%) $169,596 (21.6%) 0.00 65
    2018-12-01 $139,950 (53.4%) $182,775 (30.7%) 0.00 64
    2019-01-01 $136,700 (44.2%) $187,231 (36.1%) 0.00 53
    2019-02-01 $142,450 (58.5%) $197,933 (50.0%) 0.00 55
    2019-03-01 $150,757 (35.5%) $196,248 (33.2%) 0.00 59
    2019-04-01 $147,107 (22.7%) $190,040 (27.7%) 0.00 65
    2019-05-01 $143,875 (12.9%) $191,559 (28.5%) 0.00 73
    2019-06-01 $154,900 (24.0%) $189,011 (29.3%) 0.00 91
    2019-07-01 $142,500 (51.6%) $181,795 (31.4%) 0.00 94
    2019-08-01 $132,991 (35.5%) $162,225 (16.2%) 0.00 102
    2019-09-01 $130,127 (44.8%) $157,450 (5.7%) 0.00 109
    2019-10-01 $128,218 (4.8%) $154,266 (-2.4%) 0.00 111
    2019-11-01 $124,700 (-3.9%) $147,923 (-12.8%) 0.00 102
    2019-12-01 $124,900 (-10.8%) $152,500 (-16.6%) 0.00 99
    2020-01-01 $125,175 (-8.4%) $144,556 (-22.8%) 0.00 97
    2020-02-01 $122,450 (-14.0%) $143,594 (-27.5%) 0.00 94
    2020-03-01 $132,150 (-12.3%) $152,489 (-22.3%) 0.00 88
    2020-04-01 $133,425 (-9.3%) $154,325 (-18.8%) 0.00 85
    2020-05-01 $134,400 (-6.6%) $163,694 (-14.6%) 0.00 80
    2020-06-01 $138,075 (-10.9%) $171,004 (-9.5%) 0.00 69
    2020-07-01 $129,950 (-8.8%) $171,518 (-5.7%) 0.00 66
    2020-08-01 $125,000 (-6.0%) $144,742 (-10.8%) 0.00 60
    2020-09-01 $132,100 (1.5%) $152,153 (-3.4%) 0.00 63
    2020-10-01 $129,900 (1.3%) $156,821 (1.7%) 0.00 61
    2020-11-01 $119,000 (-4.6%) $137,951 (-6.7%) 0.00 68
    2020-12-01 $106,750 (-14.5%) $133,930 (-12.2%) 0.00 54
    2021-01-01 $104,500 (-16.5%) $135,597 (-6.2%) 0.00 45
    2021-02-01 $98,749 (-19.4%) $134,053 (-6.6%) 0.00 31
    2021-03-01 $152,500 (15.4%) $189,430 (24.2%) 0.00 31
    2021-04-01 $149,925 (12.4%) $179,094 (16.1%) 0.00 29
    2021-05-01 $124,950 (-7.0%) $172,239 (5.2%) 0.00 30
    2021-06-01 $166,875 (20.9%) $196,322 (14.8%) 0.00 45
    2021-07-01 $140,000 (7.7%) $188,902 (10.1%) 0.00 49
    2021-08-01 $156,175 (24.9%) $210,812 (45.7%) 0.00 43
    2021-09-01 $157,000 (18.9%) $191,455 (25.8%) 0.00 46
    2021-10-01 $144,750 (11.4%) $170,024 (8.4%) 0.00 48
    2021-11-01 $149,500 (25.6%) $164,442 (19.2%) 0.00 45
    2021-12-01 $129,900 (21.7%) $154,233 (15.2%) 0.00 45
    2022-01-01 $133,700 (27.9%) $155,262 (14.5%) 0.00 42
    2022-02-01 $131,250 (32.9%) $153,854 (14.8%) 0.00 26
    2022-03-01 $152,250 (-0.2%) $172,941 (-8.7%) 0.00 22
    2022-04-01 $149,450 (-0.3%) $182,528 (1.9%) 0.00 27
    2022-05-01 $169,975 (36.0%) $189,221 (9.9%) 0.00 29
    2022-06-01 $189,250 (13.4%) $649,743 (231.0%) 0.00 35
    2022-07-01 $182,450 (30.3%) $607,973 (221.9%) 0.00 34
    2022-08-01 $179,675 (15.1%) $594,099 (181.8%) 0.00 43
    2022-09-01 $172,725 (10.0%) $519,906 (171.6%) 0.00 62
    2022-10-01 $169,250 (16.9%) $498,616 (193.3%) 0.00 60
    2022-11-01 $161,175 (7.8%) $491,212 (198.7%) 0.00 60
    2022-12-01 $159,900 (23.1%) $569,270 (269.1%) 0.00 47
    2023-01-01 $168,450 (26.0%) $227,591 (46.6%) 0.00 42
    2023-02-01 $159,900 (21.8%) $197,542 (28.4%) 0.00 42
    2023-03-01 $156,075 (2.5%) $206,152 (19.2%) 0.00 38
    2023-04-01 $149,200 (-0.2%) $514,963 (182.1%) 0.00 40
    2023-05-01 $171,250 (0.8%) $426,879 (125.6%) 0.00 46
    2023-06-01 $169,125 (-10.6%) $447,715 (-31.1%) 0.00 37
    2023-07-01 $179,000 (-1.9%) $414,746 (-31.8%) 0.00 50
    2023-08-01 $179,500 (-0.1%) $412,159 (-30.6%) 0.00 53
    2023-09-01 $180,000 (4.2%) $239,890 (-53.9%) 0.00 49
    2023-10-01 $169,900 (0.4%) $217,091 (-56.5%) 0.00 61
    2023-11-01 $186,425 (15.7%) $237,290 (-51.7%) 0.00 64
    2023-12-01 $189,000 (18.2%) $238,118 (-58.2%) 0.00 64
    2024-01-01 $175,725 (4.3%) $215,328 (-5.4%) 0.00 69
    2024-02-01 $126,250 (-21.0%) $175,972 (-10.9%) 0.00 79
    2024-03-01 $124,700 (-20.1%) $178,693 (-13.3%) 0.00 73
    2024-04-01 $150,100 (0.6%) $182,216 (-64.6%) 0.00 84
    2024-05-01 $139,625 (-18.5%) $184,775 (-56.7%) 0.00 89
    2024-06-01 $169,900 (0.5%) $206,945 (-53.8%) 0.00 94
    2024-07-01 $184,300 (3.0%) $223,519 (-46.1%) 0.00 89
    2024-08-01 $244,950 (36.5%) $253,167 (-38.6%) 0.00 77
    2024-09-01 $243,250 (35.1%) $249,949 (4.2%) 0.00 80
    2024-10-01 $236,125 (39.0%) $250,142 (15.2%) 0.00 91
    2024-11-01 $250,000 (34.1%) $261,887 (10.4%) 0.00 84
    2024-12-01 $236,225 (25.0%) $253,263 (6.4%) 0.00 82
    2025-01-01 $212,500 (20.9%) $240,398 (11.6%) 0.00 81
    2025-02-01 $207,500 (64.4%) $232,166 (31.9%) 0.00 79
    2025-03-01 $225,000 (80.4%) $235,133 (31.6%) 0.00 69
    Moberly's median listing price for 2025-03-01 was $225,000, a difference of $100,300 (80.4%) versus the prior year and $17,500 versus the prior month.

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

    Moberly's average listing price for 2025-03-01 was $235,133, a difference of $56,440 (31.6%) versus the prior year and $2,967 versus the prior month.

    For the 2025-03-01 period, Moberly had 69 MLS listings, a difference of -10 listings (-13%) versus the prior month and -4 listings (-5%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Moberly (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,563 sqft
    2018-02-01 0 days 1,540 sqft
    2018-03-01 0 days 1,650 sqft
    2018-04-01 0 days 1,629 sqft
    2018-05-01 0 days 1,636 sqft
    2018-06-01 0 days 1,715 sqft
    2018-07-01 0 days 1,472 sqft
    2018-08-01 0 days 1,487 sqft
    2018-09-01 0 days 1,610 sqft
    2018-10-01 0 days 1,584 sqft
    2018-11-01 0 days 1,598 sqft
    2018-12-01 0 days 1,632 sqft
    2019-01-01 0 days 1,626 sqft
    2019-02-01 0 days 1,599 sqft
    2019-03-01 0 days 1,601 sqft
    2019-04-01 0 days 1,636 sqft
    2019-05-01 0 days 1,850 sqft
    2019-06-01 0 days 1,868 sqft
    2019-07-01 0 days 1,739 sqft
    2019-08-01 0 days 1,609 sqft
    2019-09-01 0 days 1,565 sqft
    2019-10-01 0 days 1,550 sqft
    2019-11-01 0 days 1,536 sqft
    2019-12-01 0 days 1,536 sqft
    2020-01-01 0 days 1,533 sqft
    2020-02-01 0 days 1,624 sqft
    2020-03-01 0 days 1,684 sqft
    2020-04-01 0 days 1,685 sqft
    2020-05-01 0 days 1,688 sqft
    2020-06-01 0 days 1,684 sqft
    2020-07-01 0 days 1,724 sqft
    2020-08-01 0 days 1,680 sqft
    2020-09-01 0 days 1,665 sqft
    2020-10-01 0 days 1,680 sqft
    2020-11-01 0 days 1,608 sqft
    2020-12-01 0 days 1,586 sqft
    2021-01-01 0 days 1,592 sqft
    2021-02-01 0 days 1,764 sqft
    2021-03-01 0 days 1,475 sqft
    2021-04-01 0 days 1,555 sqft
    2021-05-01 0 days 1,422 sqft
    2021-06-01 0 days 1,650 sqft
    2021-07-01 0 days 1,656 sqft
    2021-08-01 0 days 1,638 sqft
    2021-09-01 0 days 1,456 sqft
    2021-10-01 0 days 1,527 sqft
    2021-11-01 0 days 1,531 sqft
    2021-12-01 0 days 1,533 sqft
    2022-01-01 0 days 1,491 sqft
    2022-02-01 0 days 1,364 sqft
    2022-03-01 0 days 1,589 sqft
    2022-04-01 0 days 1,354 sqft
    2022-05-01 0 days 1,473 sqft
    2022-06-01 0 days 1,611 sqft
    2022-07-01 0 days 1,598 sqft
    2022-08-01 0 days 1,619 sqft
    2022-09-01 0 days 1,602 sqft
    2022-10-01 0 days 1,488 sqft
    2022-11-01 0 days 1,602 sqft
    2022-12-01 0 days 1,598 sqft
    2023-01-01 0 days 1,598 sqft
    2023-02-01 0 days 1,619 sqft
    2023-03-01 0 days 1,656 sqft
    2023-04-01 0 days 1,651 sqft
    2023-05-01 0 days 1,607 sqft
    2023-06-01 0 days 1,769 sqft
    2023-07-01 0 days 1,792 sqft
    2023-08-01 0 days 1,687 sqft
    2023-09-01 0 days 1,727 sqft
    2023-10-01 0 days 1,531 sqft
    2023-11-01 0 days 1,592 sqft
    2023-12-01 0 days 1,642 sqft
    2024-01-01 0 days 1,618 sqft
    2024-02-01 0 days 1,344 sqft
    2024-03-01 0 days 1,271 sqft
    2024-04-01 0 days 1,333 sqft
    2024-05-01 0 days 1,386 sqft
    2024-06-01 0 days 1,452 sqft
    2024-07-01 0 days 1,538 sqft
    2024-08-01 0 days 1,762 sqft
    2024-09-01 0 days 1,642 sqft
    2024-10-01 0 days 1,578 sqft
    2024-11-01 0 days 1,632 sqft
    2024-12-01 0 days 1,609 sqft
    2025-01-01 0 days 1,578 sqft
    2025-02-01 0 days 1,583 sqft
    2025-03-01 0 days 1,624 sqft
    Moberly's median listing age (time on market) for 2025-03-01 was 0 days.

    Moberly's median square footage for active listings during the 2025-03-01 period was 1,624 sqft. One year prior, the average listing was 1,271 sqft.