North Wilkesboro USDA Loan Rates, Closing Costs & Stats

North Wilkesboro, NC

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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.

    North Wilkesboro's 7 lenders originated 9 USDA loans during 2024. The total origination value was $2,205,000, with an average USDA loan value of $245,000.

    North Wilkesboro USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in North Wilkesboro averaged 6.76% for the week of 2025-07-11, compared to the national average (all USDA variants) of 6.449% for the same period.

    North Wilkesboro's average USDA mortgage closing costs are $4,561.

    The average rate for the prior week (2025-07-04) was 6.67% and one month ago for the week of 2025-06-06, the average rate was 6.46%.

    The average rate one year ago was 7.15%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.25%.

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

    North Wilkesboro 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 North Wilkesboro level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 2 6.50% $10,157
    Truist 2 6.25% $6,897
    Alcova Mortgage LLC 1 6.00% $9,614
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 5.88% $11,568
    PENNYMAC LOAN SERVICES, LLC 1 6.13% $6,440
    First Horizon Bank 1 6.38% $5,464
    AMERICAN FINANCIAL NETWORK, INC. 1 7.00% $8,678

    The top North Wilkesboro USDA lender as defined by loan originations is ATLANTIC BAY MORTGAGE GROUP, L.L.C., with 2 USDA loans originated. Their average total fees are $10,157, which is $3,260 higher than the next largest lender, Truist.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - North Wilkesboro (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 $230,175 (5.5%) $331,965 (4.5%) 0.00 216
    2018-02-01 $229,000 (6.2%) $329,462 (4.4%) 0.00 221
    2018-03-01 $229,900 (4.0%) $320,161 (0.3%) 0.00 221
    2018-04-01 $227,750 (1.2%) $319,302 (-2.5%) 0.00 222
    2018-05-01 $249,000 (16.0%) $336,036 (5.7%) 0.00 229
    2018-06-01 $249,950 (26.1%) $356,771 (15.4%) 0.00 241
    2018-07-01 $229,700 (14.9%) $321,902 (3.3%) 0.00 265
    2018-08-01 $219,900 (-3.6%) $300,279 (-4.2%) 0.00 281
    2018-09-01 $229,000 (0.0%) $310,329 (-2.0%) 0.00 276
    2018-10-01 $227,375 (-4.9%) $307,626 (-3.9%) 0.00 271
    2018-11-01 $209,450 (-10.9%) $305,083 (-5.1%) 0.00 256
    2018-12-01 $199,900 (-14.9%) $303,165 (-8.0%) 0.00 254
    2019-01-01 $194,575 (-15.5%) $291,049 (-12.3%) 0.00 243
    2019-02-01 $212,450 (-7.2%) $314,892 (-4.4%) 0.00 228
    2019-03-01 $232,786 (1.3%) $337,834 (5.5%) 0.00 220
    2019-04-01 $249,800 (9.7%) $364,153 (14.1%) 0.00 218
    2019-05-01 $249,900 (0.4%) $358,440 (6.7%) 0.00 222
    2019-06-01 $255,450 (2.2%) $360,506 (1.1%) 0.00 237
    2019-07-01 $249,950 (8.8%) $345,908 (7.5%) 0.00 243
    2019-08-01 $249,936 (13.7%) $346,544 (15.4%) 0.00 242
    2019-09-01 $249,916 (9.1%) $350,234 (12.9%) 0.00 238
    2019-10-01 $252,452 (11.0%) $359,624 (16.9%) 0.00 227
    2019-11-01 $257,000 (22.7%) $373,178 (22.3%) 0.00 207
    2019-12-01 $255,725 (27.9%) $372,316 (22.8%) 0.00 183
    2020-01-01 $249,225 (28.1%) $359,256 (23.4%) 0.00 170
    2020-02-01 $249,000 (17.2%) $351,821 (11.7%) 0.00 163
    2020-03-01 $287,175 (23.4%) $384,494 (13.8%) 0.00 146
    2020-04-01 $299,000 (19.7%) $391,937 (7.6%) 0.00 152
    2020-05-01 $323,200 (29.3%) $401,999 (12.2%) 0.00 131
    2020-06-01 $349,450 (36.8%) $425,487 (18.0%) 0.00 124
    2020-07-01 $349,900 (40.0%) $477,836 (38.1%) 0.00 117
    2020-08-01 $379,450 (51.8%) $497,573 (43.6%) 0.00 96
    2020-09-01 $361,950 (44.8%) $474,218 (35.4%) 0.00 96
    2020-10-01 $334,900 (32.7%) $450,442 (25.3%) 0.00 98
    2020-11-01 $353,200 (37.4%) $463,519 (24.2%) 0.00 89
    2020-12-01 $379,225 (48.3%) $473,684 (27.2%) 0.00 72
    2021-01-01 $384,900 (54.4%) $486,179 (35.3%) 0.00 63
    2021-02-01 $382,175 (53.5%) $491,981 (39.8%) 0.00 54
    2021-03-01 $386,950 (34.7%) $483,873 (25.9%) 0.00 42
    2021-04-01 $299,900 (0.3%) $370,173 (-5.6%) 0.00 50
    2021-05-01 $349,900 (8.3%) $388,552 (-3.4%) 0.00 48
    2021-06-01 $299,000 (-14.4%) $390,213 (-8.3%) 0.00 63
    2021-07-01 $299,900 (-14.3%) $412,383 (-13.7%) 0.00 64
    2021-08-01 $287,050 (-24.4%) $428,128 (-14.0%) 0.00 64
    2021-09-01 $293,200 (-19.0%) $462,220 (-2.5%) 0.00 72
    2021-10-01 $288,800 (-13.8%) $459,750 (2.1%) 0.00 78
    2021-11-01 $270,000 (-23.6%) $465,551 (0.4%) 0.00 75
    2021-12-01 $277,450 (-26.8%) $461,052 (-2.7%) 0.00 68
    2022-01-01 $279,450 (-27.4%) $467,396 (-3.9%) 0.00 53
    2022-02-01 $264,900 (-30.7%) $494,308 (0.5%) 0.00 46
    2022-03-01 $250,425 (-35.3%) $486,932 (0.6%) 0.00 40
    2022-04-01 $294,450 (-1.8%) $517,978 (39.9%) 0.00 43
    2022-05-01 $398,475 (13.9%) $532,304 (37.0%) 0.00 58
    2022-06-01 $377,350 (26.2%) $521,863 (33.7%) 0.00 67
    2022-07-01 $345,000 (15.0%) $442,993 (7.4%) 0.00 74
    2022-08-01 $349,450 (21.7%) $452,485 (5.7%) 0.00 71
    2022-09-01 $337,000 (14.9%) $474,883 (2.7%) 0.00 69
    2022-10-01 $329,900 (14.2%) $494,628 (7.6%) 0.00 68
    2022-11-01 $343,975 (27.4%) $520,659 (11.8%) 0.00 67
    2022-12-01 $299,250 (7.9%) $505,675 (9.7%) 0.00 62
    2023-01-01 $340,495 (21.8%) $470,266 (0.6%) 0.00 49
    2023-02-01 $349,975 (32.1%) $452,499 (-8.5%) 0.00 50
    2023-03-01 $311,250 (24.3%) $430,535 (-11.6%) 0.00 49
    2023-04-01 $349,000 (18.5%) $447,006 (-13.7%) 0.00 58
    2023-05-01 $380,000 (-4.6%) $1,043,739 (96.1%) 0.00 72
    2023-06-01 $353,725 (-6.3%) $1,622,667 (210.9%) 0.00 75
    2023-07-01 $380,000 (10.1%) $1,553,502 (250.7%) 0.00 85
    2023-08-01 $364,725 (4.4%) $1,463,251 (223.4%) 0.00 90
    2023-09-01 $380,000 (12.8%) $1,601,835 (237.3%) 0.00 79
    2023-10-01 $396,500 (20.2%) $1,543,245 (212.0%) 0.00 90
    2023-11-01 $380,000 (10.5%) $1,603,022 (207.9%) 0.00 82
    2023-12-01 $380,000 (27.0%) $1,670,868 (230.4%) 0.00 79
    2024-01-01 $356,200 (4.6%) $1,663,915 (253.8%) 0.00 79
    2024-02-01 $378,500 (8.2%) $1,698,515 (275.4%) 0.00 76
    2024-03-01 $374,500 (20.3%) $1,664,598 (286.6%) 0.00 74
    2024-04-01 $350,000 (0.3%) $515,265 (15.3%) 0.00 74
    2024-05-01 $399,450 (5.1%) $589,304 (-43.5%) 0.00 82
    2024-06-01 $409,900 (15.9%) $588,165 (-63.8%) 0.00 97
    2024-07-01 $419,925 (10.5%) $608,270 (-60.9%) 0.00 110
    2024-08-01 $389,900 (6.9%) $602,131 (-58.9%) 0.00 115
    2024-09-01 $412,400 (8.5%) $632,289 (-60.5%) 0.00 119
    2024-10-01 $399,200 (0.7%) $610,820 (-60.4%) 0.00 125
    2024-11-01 $375,000 (-1.3%) $579,301 (-63.9%) 0.00 132
    2024-12-01 $353,725 (-6.9%) $569,367 (-65.9%) 0.00 126
    2025-01-01 $349,950 (-1.8%) $577,798 (-65.3%) 0.00 121
    2025-02-01 $349,900 (-7.6%) $595,651 (-64.9%) 0.00 111
    2025-03-01 $339,900 (-9.2%) $572,468 (-65.6%) 0.00 104
    2025-04-01 $363,700 (3.9%) $552,048 (7.1%) 0.00 114
    2025-05-01 $369,900 (-7.4%) $537,320 (-8.8%) 0.00 132
    2025-06-01 $382,500 (-6.7%) $509,444 (-13.4%) 0.00 133
    North Wilkesboro's median listing price for 2025-06-01 was $382,500, a difference of $-27,400 (-6.7%) versus the prior year and $12,600 versus the prior month.

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

    North Wilkesboro's average listing price for 2025-06-01 was $509,444, a difference of $-78,721 (-13.4%) versus the prior year and $-27,876 versus the prior month.

    For the 2025-06-01 period, North Wilkesboro had 133 MLS listings, a difference of 1 listings (1%) versus the prior month and 36 listings (37%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - North Wilkesboro (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,876 sqft
    2018-02-01 0 days 1,968 sqft
    2018-03-01 0 days 1,953 sqft
    2018-04-01 0 days 1,975 sqft
    2018-05-01 0 days 2,067 sqft
    2018-06-01 0 days 2,154 sqft
    2018-07-01 0 days 2,148 sqft
    2018-08-01 0 days 2,170 sqft
    2018-09-01 0 days 2,142 sqft
    2018-10-01 0 days 2,156 sqft
    2018-11-01 0 days 2,092 sqft
    2018-12-01 0 days 2,142 sqft
    2019-01-01 0 days 2,041 sqft
    2019-02-01 0 days 2,114 sqft
    2019-03-01 0 days 2,071 sqft
    2019-04-01 0 days 2,008 sqft
    2019-05-01 0 days 2,024 sqft
    2019-06-01 0 days 2,024 sqft
    2019-07-01 0 days 2,019 sqft
    2019-08-01 0 days 1,987 sqft
    2019-09-01 0 days 1,975 sqft
    2019-10-01 0 days 2,000 sqft
    2019-11-01 0 days 2,109 sqft
    2019-12-01 0 days 2,184 sqft
    2020-01-01 0 days 2,060 sqft
    2020-02-01 0 days 2,060 sqft
    2020-03-01 0 days 2,203 sqft
    2020-04-01 0 days 2,194 sqft
    2020-05-01 0 days 2,104 sqft
    2020-06-01 0 days 2,120 sqft
    2020-07-01 0 days 2,091 sqft
    2020-08-01 0 days 2,063 sqft
    2020-09-01 0 days 2,040 sqft
    2020-10-01 0 days 1,951 sqft
    2020-11-01 0 days 1,989 sqft
    2020-12-01 0 days 2,088 sqft
    2021-01-01 0 days 2,206 sqft
    2021-02-01 0 days 1,939 sqft
    2021-03-01 0 days 1,903 sqft
    2021-04-01 0 days 1,681 sqft
    2021-05-01 0 days 1,584 sqft
    2021-06-01 0 days 1,687 sqft
    2021-07-01 0 days 1,695 sqft
    2021-08-01 0 days 1,781 sqft
    2021-09-01 0 days 1,779 sqft
    2021-10-01 0 days 1,800 sqft
    2021-11-01 0 days 1,796 sqft
    2021-12-01 0 days 1,797 sqft
    2022-01-01 0 days 1,982 sqft
    2022-02-01 0 days 1,882 sqft
    2022-03-01 0 days 1,830 sqft
    2022-04-01 0 days 1,898 sqft
    2022-05-01 0 days 2,002 sqft
    2022-06-01 0 days 2,033 sqft
    2022-07-01 0 days 1,826 sqft
    2022-08-01 0 days 2,017 sqft
    2022-09-01 0 days 1,854 sqft
    2022-10-01 0 days 1,892 sqft
    2022-11-01 0 days 1,972 sqft
    2022-12-01 0 days 1,869 sqft
    2023-01-01 0 days 1,786 sqft
    2023-02-01 0 days 1,888 sqft
    2023-03-01 0 days 1,768 sqft
    2023-04-01 0 days 1,944 sqft
    2023-05-01 0 days 2,005 sqft
    2023-06-01 0 days 1,873 sqft
    2023-07-01 0 days 2,005 sqft
    2023-08-01 0 days 2,005 sqft
    2023-09-01 0 days 2,005 sqft
    2023-10-01 0 days 2,005 sqft
    2023-11-01 0 days 2,005 sqft
    2023-12-01 0 days 1,963 sqft
    2024-01-01 0 days 2,005 sqft
    2024-02-01 0 days 2,093 sqft
    2024-03-01 0 days 2,005 sqft
    2024-04-01 0 days 1,987 sqft
    2024-05-01 0 days 2,299 sqft
    2024-06-01 0 days 2,019 sqft
    2024-07-01 0 days 1,800 sqft
    2024-08-01 0 days 1,847 sqft
    2024-09-01 0 days 2,022 sqft
    2024-10-01 0 days 2,066 sqft
    2024-11-01 0 days 2,076 sqft
    2024-12-01 0 days 2,113 sqft
    2025-01-01 0 days 2,199 sqft
    2025-02-01 0 days 2,133 sqft
    2025-03-01 0 days 1,959 sqft
    2025-04-01 0 days 1,856 sqft
    2025-05-01 0 days 1,851 sqft
    2025-06-01 0 days 1,900 sqft
    North Wilkesboro's median listing age (time on market) for 2025-06-01 was 0 days.

    North Wilkesboro's median square footage for active listings during the 2025-06-01 period was 1,900 sqft. One year prior, the average listing was 2,019 sqft.