New Philadelphia USDA Loan Rates, Closing Costs & Stats

New Philadelphia-Dover, OH

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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.

    New Philadelphia's 17 lenders originated 38 USDA loans during 2023. The total origination value was $5,190,000, with an average USDA loan value of $136,579.

    New Philadelphia USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in New Philadelphia averaged 6.93% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    New Philadelphia's average USDA mortgage closing costs are $4,182.

    The average rate for the prior week (2025-02-07) was 6.48% and one month ago for the week of 2025-01-10, the average rate was 6.93%.

    The average rate one year ago was 6.92%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.33%.

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

    New Philadelphia 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 New Philadelphia level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    CROSSCOUNTRY MORTGAGE, LLC 8 6.85% $5,403
    POLARIS HOME FUNDING CORP. 7 6.70% $6,357
    Republic State Mortgage Co. 4 7.28% $2,056
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 7.00% $3,642
    FIRST COMMUNITY MORTGAGE, INC. 2 7.19% $6,084
    Chickasaw Community Bank 2 6.88% $7,709
    Nations Lending Corporation 1 7.75% $8,668
    NFM, INC. 1 6.63% $7,056
    RUOFF MORTGAGE COMPANY, INC. 1 7.25% $1,232
    The Huntington National Bank 1 6.50% $6,355
    AMCAP MORTGAGE, LTD. 1 7.13% $5,408
    UNION HOME MORTGAGE CORP. 1 7.13% $6,709
    CMG MORTGAGE, INC. 1 5.38% $7,096
    Flagstar Bank, FSB 1 6.75% $7,744
    HOMESIDE FINANCIAL, LLC 1 5.99% $6,043
    J. VIRGIL, INC. 1 7.13% $5,624
    Mortgage Research Center, LLC 1 7.63% $2,141

    The top New Philadelphia USDA lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with 8 USDA loans originated. Their average total fees are $5,403, which is $954 lower than the next largest lender, POLARIS HOME FUNDING CORP..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - New Philadelphia (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 $117,400 (-9.6%) $156,861 (-5.0%) 0.00 192
    2018-02-01 $124,900 (-3.9%) $157,821 (-5.0%) 0.00 172
    2018-03-01 $129,900 (0.7%) $157,794 (-6.0%) 0.00 166
    2018-04-01 $136,450 (5.0%) $163,239 (-2.4%) 0.00 166
    2018-05-01 $139,450 (2.1%) $164,439 (-14.4%) 0.00 173
    2018-06-01 $144,900 (5.8%) $171,195 (-10.4%) 0.00 180
    2018-07-01 $142,325 (5.1%) $172,141 (-6.0%) 0.00 189
    2018-08-01 $149,450 (10.8%) $178,175 (0.5%) 0.00 194
    2018-09-01 $149,000 (10.5%) $181,361 (2.5%) 0.00 198
    2018-10-01 $139,450 (8.7%) $174,829 (-0.4%) 0.00 202
    2018-11-01 $127,400 (1.0%) $163,579 (-4.4%) 0.00 189
    2018-12-01 $126,400 (-2.4%) $171,455 (4.2%) 0.00 168
    2019-01-01 $119,900 (2.1%) $174,241 (11.1%) 0.00 145
    2019-02-01 $136,150 (9.0%) $179,634 (13.8%) 0.00 129
    2019-03-01 $139,900 (7.7%) $193,662 (22.7%) 0.00 128
    2019-04-01 $143,650 (5.3%) $200,254 (22.7%) 0.00 129
    2019-05-01 $138,075 (-1.0%) $184,311 (12.1%) 0.00 143
    2019-06-01 $149,900 (3.5%) $201,554 (17.7%) 0.00 139
    2019-07-01 $158,650 (11.5%) $204,579 (18.8%) 0.00 135
    2019-08-01 $152,809 (2.3%) $194,917 (9.4%) 0.00 150
    2019-09-01 $151,173 (1.5%) $189,100 (4.3%) 0.00 171
    2019-10-01 $150,082 (7.6%) $186,173 (6.5%) 0.00 189
    2019-11-01 $155,400 (22.0%) $185,685 (13.5%) 0.00 186
    2019-12-01 $159,450 (26.2%) $187,529 (9.4%) 0.00 180
    2020-01-01 $159,900 (33.4%) $185,004 (6.2%) 0.00 160
    2020-02-01 $159,900 (17.4%) $185,730 (3.4%) 0.00 143
    2020-03-01 $146,675 (4.8%) $176,734 (-8.7%) 0.00 150
    2020-04-01 $146,700 (2.1%) $176,235 (-12.0%) 0.00 150
    2020-05-01 $159,900 (15.8%) $193,689 (5.1%) 0.00 118
    2020-06-01 $177,175 (18.2%) $205,122 (1.8%) 0.00 114
    2020-07-01 $151,950 (-4.2%) $198,646 (-2.9%) 0.00 112
    2020-08-01 $172,400 (12.8%) $213,750 (9.7%) 0.00 103
    2020-09-01 $174,900 (15.7%) $216,994 (14.8%) 0.00 111
    2020-10-01 $159,900 (6.5%) $212,162 (14.0%) 0.00 118
    2020-11-01 $156,700 (0.8%) $217,540 (17.2%) 0.00 100
    2020-12-01 $155,500 (-2.5%) $228,287 (21.7%) 0.00 85
    2021-01-01 $155,700 (-2.6%) $236,220 (27.7%) 0.00 64
    2021-02-01 $199,450 (24.7%) $245,782 (32.3%) 0.00 56
    2021-03-01 $164,450 (12.1%) $224,252 (26.9%) 0.00 57
    2021-04-01 $162,450 (10.7%) $211,314 (19.9%) 0.00 59
    2021-05-01 $168,500 (5.4%) $220,515 (13.9%) 0.00 69
    2021-06-01 $192,450 (8.6%) $225,343 (9.9%) 0.00 83
    2021-07-01 $229,000 (50.7%) $235,556 (18.6%) 0.00 110
    2021-08-01 $223,650 (29.7%) $232,570 (8.8%) 0.00 108
    2021-09-01 $197,175 (12.7%) $224,721 (3.6%) 0.00 96
    2021-10-01 $189,900 (18.8%) $222,551 (4.9%) 0.00 93
    2021-11-01 $172,200 (9.9%) $217,465 (0.0%) 0.00 70
    2021-12-01 $156,900 (0.9%) $219,787 (-3.7%) 0.00 64
    2022-01-01 $154,900 (-0.5%) $219,801 (-7.0%) 0.00 52
    2022-02-01 $148,725 (-25.4%) $218,912 (-10.9%) 0.00 54
    2022-03-01 $139,900 (-14.9%) $214,496 (-4.4%) 0.00 54
    2022-04-01 $159,950 (-1.5%) $226,801 (7.3%) 0.00 58
    2022-05-01 $155,650 (-7.6%) $233,072 (5.7%) 0.00 73
    2022-06-01 $187,225 (-2.7%) $255,761 (13.5%) 0.00 64
    2022-07-01 $192,450 (-16.0%) $283,327 (20.3%) 0.00 88
    2022-08-01 $201,325 (-10.0%) $305,215 (31.2%) 0.00 85
    2022-09-01 $205,950 (4.5%) $303,966 (35.3%) 0.00 83
    2022-10-01 $199,900 (5.3%) $284,081 (27.7%) 0.00 93
    2022-11-01 $213,425 (23.9%) $258,616 (18.9%) 0.00 86
    2022-12-01 $209,900 (33.8%) $260,546 (18.5%) 0.00 80
    2023-01-01 $194,900 (25.8%) $250,694 (14.1%) 0.00 67
    2023-02-01 $198,900 (33.7%) $236,417 (8.0%) 0.00 52
    2023-03-01 $224,900 (60.8%) $258,238 (20.4%) 0.00 61
    2023-04-01 $221,000 (38.2%) $249,531 (10.0%) 0.00 77
    2023-05-01 $225,925 (45.2%) $255,620 (9.7%) 0.00 70
    2023-06-01 $232,175 (24.0%) $258,395 (1.0%) 0.00 71
    2023-07-01 $229,900 (19.5%) $253,906 (-10.4%) 0.00 83
    2023-08-01 $241,257 (19.8%) $249,989 (-18.1%) 0.00 96
    2023-09-01 $239,900 (16.5%) $256,966 (-15.5%) 0.00 96
    2023-10-01 $236,400 (18.3%) $253,301 (-10.8%) 0.00 91
    2023-11-01 $224,900 (5.4%) $243,138 (-6.0%) 0.00 93
    2023-12-01 $232,200 (10.6%) $249,576 (-4.2%) 0.00 78
    2024-01-01 $224,750 (15.3%) $239,364 (-4.5%) 0.00 67
    2024-02-01 $220,000 (10.6%) $255,198 (7.9%) 0.00 67
    2024-03-01 $200,000 (-11.1%) $274,244 (6.2%) 0.00 77
    2024-04-01 $212,450 (-3.9%) $273,108 (9.5%) 0.00 75
    2024-05-01 $254,950 (12.9%) $298,369 (16.7%) 0.00 82
    2024-06-01 $238,450 (2.7%) $273,407 (5.8%) 0.00 83
    2024-07-01 $256,925 (11.8%) $287,957 (13.4%) 0.00 92
    2024-08-01 $219,900 (-8.9%) $270,214 (8.1%) 0.00 106
    2024-09-01 $225,425 (-6.0%) $260,647 (1.4%) 0.00 106
    2024-10-01 $221,850 (-6.2%) $244,098 (-3.6%) 0.00 100
    2024-11-01 $239,900 (6.7%) $249,361 (2.6%) 0.00 91
    2024-12-01 $226,925 (-2.3%) $261,264 (4.7%) 0.00 91
    2025-01-01 $228,150 (1.5%) $260,323 (8.8%) 0.00 81
    New Philadelphia's median listing price for 2025-01-01 was $228,150, a difference of $3,400 (1.5%) versus the prior year and $1,225 versus the prior month.

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

    New Philadelphia's average listing price for 2025-01-01 was $260,323, a difference of $20,959 (8.8%) versus the prior year and $-941 versus the prior month.

    For the 2025-01-01 period, New Philadelphia had 81 MLS listings, a difference of -10 listings (-11%) versus the prior month and 14 listings (21%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - New Philadelphia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,550 sqft
    2018-02-01 0 days 1,551 sqft
    2018-03-01 0 days 1,536 sqft
    2018-04-01 0 days 1,577 sqft
    2018-05-01 0 days 1,587 sqft
    2018-06-01 0 days 1,655 sqft
    2018-07-01 0 days 1,657 sqft
    2018-08-01 0 days 1,680 sqft
    2018-09-01 0 days 1,680 sqft
    2018-10-01 0 days 1,674 sqft
    2018-11-01 0 days 1,661 sqft
    2018-12-01 0 days 1,697 sqft
    2019-01-01 0 days 1,684 sqft
    2019-02-01 0 days 1,636 sqft
    2019-03-01 0 days 1,701 sqft
    2019-04-01 0 days 1,710 sqft
    2019-05-01 0 days 1,600 sqft
    2019-06-01 0 days 1,582 sqft
    2019-07-01 0 days 1,604 sqft
    2019-08-01 0 days 1,604 sqft
    2019-09-01 0 days 1,669 sqft
    2019-10-01 0 days 1,693 sqft
    2019-11-01 0 days 1,732 sqft
    2019-12-01 0 days 1,692 sqft
    2020-01-01 0 days 1,652 sqft
    2020-02-01 0 days 1,700 sqft
    2020-03-01 0 days 1,771 sqft
    2020-04-01 0 days 1,724 sqft
    2020-05-01 0 days 1,796 sqft
    2020-06-01 0 days 1,941 sqft
    2020-07-01 0 days 1,956 sqft
    2020-08-01 0 days 1,935 sqft
    2020-09-01 0 days 1,962 sqft
    2020-10-01 0 days 1,840 sqft
    2020-11-01 0 days 1,798 sqft
    2020-12-01 0 days 1,823 sqft
    2021-01-01 0 days 1,752 sqft
    2021-02-01 0 days 1,857 sqft
    2021-03-01 0 days 1,817 sqft
    2021-04-01 0 days 1,618 sqft
    2021-05-01 0 days 1,760 sqft
    2021-06-01 0 days 1,821 sqft
    2021-07-01 0 days 1,752 sqft
    2021-08-01 0 days 1,717 sqft
    2021-09-01 0 days 1,720 sqft
    2021-10-01 0 days 1,674 sqft
    2021-11-01 0 days 1,700 sqft
    2021-12-01 0 days 1,763 sqft
    2022-01-01 0 days 1,650 sqft
    2022-02-01 0 days 1,665 sqft
    2022-03-01 0 days 1,668 sqft
    2022-04-01 0 days 1,768 sqft
    2022-05-01 0 days 1,742 sqft
    2022-06-01 0 days 1,792 sqft
    2022-07-01 0 days 1,760 sqft
    2022-08-01 0 days 1,776 sqft
    2022-09-01 0 days 1,740 sqft
    2022-10-01 0 days 1,776 sqft
    2022-11-01 0 days 1,750 sqft
    2022-12-01 0 days 1,706 sqft
    2023-01-01 0 days 1,697 sqft
    2023-02-01 0 days 1,720 sqft
    2023-03-01 0 days 1,896 sqft
    2023-04-01 0 days 1,930 sqft
    2023-05-01 0 days 1,893 sqft
    2023-06-01 0 days 1,948 sqft
    2023-07-01 0 days 2,010 sqft
    2023-08-01 0 days 2,043 sqft
    2023-09-01 0 days 1,974 sqft
    2023-10-01 0 days 2,066 sqft
    2023-11-01 0 days 2,006 sqft
    2023-12-01 0 days 1,961 sqft
    2024-01-01 0 days 1,931 sqft
    2024-02-01 0 days 1,940 sqft
    2024-03-01 0 days 1,847 sqft
    2024-04-01 0 days 1,949 sqft
    2024-05-01 0 days 2,008 sqft
    2024-06-01 0 days 1,830 sqft
    2024-07-01 0 days 2,026 sqft
    2024-08-01 0 days 1,845 sqft
    2024-09-01 0 days 1,903 sqft
    2024-10-01 0 days 1,858 sqft
    2024-11-01 0 days 1,763 sqft
    2024-12-01 0 days 1,584 sqft
    2025-01-01 0 days 1,698 sqft
    New Philadelphia's median listing age (time on market) for 2025-01-01 was 0 days.

    New Philadelphia's median square footage for active listings during the 2025-01-01 period was 1,698 sqft. One year prior, the average listing was 1,931 sqft.