Ogdensburg USDA Loan Rates, Closing Costs & Stats

Ogdensburg-Massena, NY

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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.

    Ogdensburg's 7 lenders originated 11 USDA loans during 2023. The total origination value was $995,000, with an average USDA loan value of $90,455.

    Ogdensburg USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Ogdensburg averaged 6.31% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Ogdensburg's average USDA mortgage closing costs are $4,005.

    The average rate for the prior week (2024-12-06) was 6.35% and one month ago for the week of 2024-11-08, the average rate was 6.66%.

    The average rate one year ago was 6.73%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.2%.

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

    Ogdensburg 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 Ogdensburg level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    CROSSCOUNTRY MORTGAGE, LLC 4 7.13% $4,725
    Bank of England 2 6.63% $7,576
    Community Bank 1 6.75% $3,270
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.00% $2,780
    HOMESTEAD FUNDING CORP. 1 7.25% $1,616
    NORTHERN CREDIT UNION 1 7.00% $5,645
    PLAZA HOME MORTGAGE, INC. 1 7.00% $5,645

    The top Ogdensburg USDA lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with 4 USDA loans originated. Their average total fees are $4,725, which is $2,851 lower than the next largest lender, Bank of England.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Ogdensburg (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 $103,700 (3.8%) $143,273 (3.5%) 0.00 636
    2018-02-01 $105,000 (5.1%) $143,681 (2.8%) 0.00 631
    2018-03-01 $104,900 (-0.1%) $167,751 (15.9%) 0.00 643
    2018-04-01 $112,000 (1.9%) $170,816 (13.9%) 0.00 692
    2018-05-01 $116,475 (6.0%) $173,072 (14.9%) 0.00 742
    2018-06-01 $124,000 (13.5%) $174,771 (16.9%) 0.00 796
    2018-07-01 $124,900 (13.6%) $158,085 (4.5%) 0.00 861
    2018-08-01 $124,900 (10.6%) $157,437 (3.8%) 0.00 847
    2018-09-01 $124,900 (9.1%) $159,760 (5.0%) 0.00 846
    2018-10-01 $119,500 (4.0%) $158,864 (5.9%) 0.00 831
    2018-11-01 $119,000 (8.9%) $156,503 (5.2%) 0.00 792
    2018-12-01 $119,000 (13.3%) $155,242 (7.2%) 0.00 745
    2019-01-01 $115,475 (11.4%) $152,160 (6.2%) 0.00 689
    2019-02-01 $114,950 (9.5%) $149,873 (4.3%) 0.00 687
    2019-03-01 $120,286 (14.7%) $153,255 (-8.6%) 0.00 675
    2019-04-01 $120,736 (7.8%) $156,379 (-8.5%) 0.00 672
    2019-05-01 $125,000 (7.3%) $162,129 (-6.3%) 0.00 705
    2019-06-01 $128,000 (3.2%) $163,951 (-6.2%) 0.00 748
    2019-07-01 $128,375 (2.8%) $165,198 (4.5%) 0.00 754
    2019-08-01 $124,973 (0.1%) $163,161 (3.6%) 0.00 733
    2019-09-01 $124,932 (0.0%) $161,280 (1.0%) 0.00 706
    2019-10-01 $124,955 (4.6%) $160,473 (1.0%) 0.00 678
    2019-11-01 $125,000 (5.0%) $160,925 (2.8%) 0.00 621
    2019-12-01 $124,950 (5.0%) $160,196 (3.2%) 0.00 590
    2020-01-01 $119,250 (3.3%) $156,128 (2.6%) 0.00 551
    2020-02-01 $119,999 (4.4%) $155,520 (3.8%) 0.00 542
    2020-03-01 $124,350 (3.4%) $156,222 (1.9%) 0.00 525
    2020-04-01 $122,250 (1.3%) $158,831 (1.6%) 0.00 512
    2020-05-01 $127,000 (1.6%) $167,360 (3.2%) 0.00 499
    2020-06-01 $129,900 (1.5%) $175,548 (7.1%) 0.00 497
    2020-07-01 $131,000 (2.0%) $179,261 (8.5%) 0.00 479
    2020-08-01 $134,000 (7.2%) $177,269 (8.7%) 0.00 457
    2020-09-01 $127,000 (1.7%) $175,801 (9.0%) 0.00 441
    2020-10-01 $125,000 (0.0%) $170,301 (6.1%) 0.00 412
    2020-11-01 $122,500 (-2.0%) $168,635 (4.8%) 0.00 368
    2020-12-01 $120,000 (-4.0%) $168,859 (5.4%) 0.00 336
    2021-01-01 $119,250 (0.0%) $163,779 (4.9%) 0.00 295
    2021-02-01 $119,000 (-0.8%) $160,276 (3.1%) 0.00 281
    2021-03-01 $125,000 (0.5%) $175,408 (12.3%) 0.00 258
    2021-04-01 $130,625 (6.9%) $181,592 (14.3%) 0.00 259
    2021-05-01 $148,750 (17.1%) $190,968 (14.1%) 0.00 268
    2021-06-01 $149,900 (15.4%) $193,683 (10.3%) 0.00 299
    2021-07-01 $148,500 (13.4%) $190,062 (6.0%) 0.00 318
    2021-08-01 $148,250 (10.6%) $186,373 (5.1%) 0.00 316
    2021-09-01 $143,425 (12.9%) $185,923 (5.8%) 0.00 313
    2021-10-01 $137,500 (10.0%) $179,205 (5.2%) 0.00 302
    2021-11-01 $125,250 (2.2%) $174,539 (3.5%) 0.00 263
    2021-12-01 $110,000 (-8.3%) $162,748 (-3.6%) 0.00 255
    2022-01-01 $105,900 (-11.2%) $157,168 (-4.0%) 0.00 228
    2022-02-01 $104,975 (-11.8%) $155,178 (-3.2%) 0.00 214
    2022-03-01 $109,625 (-12.3%) $176,396 (0.6%) 0.00 171
    2022-04-01 $130,000 (-0.5%) $185,118 (1.9%) 0.00 184
    2022-05-01 $142,450 (-4.2%) $194,588 (1.9%) 0.00 207
    2022-06-01 $142,500 (-4.9%) $208,485 (7.6%) 0.00 240
    2022-07-01 $149,000 (0.3%) $205,935 (8.4%) 0.00 270
    2022-08-01 $152,450 (2.8%) $197,513 (6.0%) 0.00 284
    2022-09-01 $152,125 (6.1%) $192,691 (3.6%) 0.00 281
    2022-10-01 $144,650 (5.2%) $188,037 (4.9%) 0.00 278
    2022-11-01 $137,072 (9.4%) $182,623 (4.6%) 0.00 263
    2022-12-01 $132,700 (20.6%) $172,348 (5.9%) 0.00 242
    2023-01-01 $129,975 (22.7%) $163,227 (3.9%) 0.00 226
    2023-02-01 $131,897 (25.7%) $168,512 (8.6%) 0.00 199
    2023-03-01 $135,500 (23.6%) $178,370 (1.1%) 0.00 191
    2023-04-01 $139,950 (7.7%) $184,296 (-0.4%) 0.00 190
    2023-05-01 $149,900 (5.2%) $201,219 (3.4%) 0.00 200
    2023-06-01 $168,000 (17.9%) $201,550 (-3.3%) 0.00 236
    2023-07-01 $169,000 (13.4%) $204,942 (-0.5%) 0.00 251
    2023-08-01 $167,000 (9.5%) $200,111 (1.3%) 0.00 281
    2023-09-01 $161,250 (6.0%) $202,542 (5.1%) 0.00 280
    2023-10-01 $153,213 (5.9%) $200,564 (6.7%) 0.00 292
    2023-11-01 $149,950 (9.4%) $193,699 (6.1%) 0.00 278
    2023-12-01 $149,000 (12.3%) $198,104 (14.9%) 0.00 252
    2024-01-01 $141,950 (9.2%) $189,655 (16.2%) 0.00 227
    2024-02-01 $142,000 (7.7%) $186,869 (10.9%) 0.00 199
    2024-03-01 $148,500 (9.6%) $211,010 (18.3%) 0.00 201
    2024-04-01 $162,500 (16.1%) $221,275 (20.1%) 0.00 203
    2024-05-01 $169,500 (13.1%) $234,996 (16.8%) 0.00 228
    2024-06-01 $179,400 (6.8%) $241,457 (19.8%) 0.00 250
    2024-07-01 $178,975 (5.9%) $235,857 (15.1%) 0.00 255
    2024-08-01 $179,900 (7.7%) $243,719 (21.8%) 0.00 283
    2024-09-01 $175,250 (8.7%) $234,718 (15.9%) 0.00 304
    2024-10-01 $177,000 (15.5%) $231,894 (15.6%) 0.00 307
    2024-11-01 $159,900 (6.6%) $212,436 (9.7%) 0.00 306
    Ogdensburg's median listing price for 2024-11-01 was $159,900, a difference of $9,950 (6.6%) versus the prior year and $-17,100 versus the prior month.

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

    Ogdensburg's average listing price for 2024-11-01 was $212,436, a difference of $18,737 (9.7%) versus the prior year and $-19,458 versus the prior month.

    For the 2024-11-01 period, Ogdensburg had 306 MLS listings, a difference of -1 listings (0%) versus the prior month and 28 listings (10%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Ogdensburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,540 sqft
    2018-02-01 0 days 1,562 sqft
    2018-03-01 0 days 1,575 sqft
    2018-04-01 0 days 1,596 sqft
    2018-05-01 0 days 1,577 sqft
    2018-06-01 0 days 1,568 sqft
    2018-07-01 0 days 1,567 sqft
    2018-08-01 0 days 1,562 sqft
    2018-09-01 0 days 1,568 sqft
    2018-10-01 0 days 1,573 sqft
    2018-11-01 0 days 1,600 sqft
    2018-12-01 0 days 1,600 sqft
    2019-01-01 0 days 1,583 sqft
    2019-02-01 0 days 1,586 sqft
    2019-03-01 0 days 1,583 sqft
    2019-04-01 0 days 1,573 sqft
    2019-05-01 0 days 1,560 sqft
    2019-06-01 0 days 1,560 sqft
    2019-07-01 0 days 1,544 sqft
    2019-08-01 0 days 1,544 sqft
    2019-09-01 0 days 1,555 sqft
    2019-10-01 0 days 1,566 sqft
    2019-11-01 0 days 1,584 sqft
    2019-12-01 0 days 1,596 sqft
    2020-01-01 0 days 1,584 sqft
    2020-02-01 0 days 1,570 sqft
    2020-03-01 0 days 1,600 sqft
    2020-04-01 0 days 1,600 sqft
    2020-05-01 0 days 1,602 sqft
    2020-06-01 0 days 1,600 sqft
    2020-07-01 0 days 1,640 sqft
    2020-08-01 0 days 1,658 sqft
    2020-09-01 0 days 1,632 sqft
    2020-10-01 0 days 1,640 sqft
    2020-11-01 0 days 1,665 sqft
    2020-12-01 0 days 1,646 sqft
    2021-01-01 0 days 1,617 sqft
    2021-02-01 0 days 1,589 sqft
    2021-03-01 0 days 1,650 sqft
    2021-04-01 0 days 1,679 sqft
    2021-05-01 0 days 1,680 sqft
    2021-06-01 0 days 1,661 sqft
    2021-07-01 0 days 1,652 sqft
    2021-08-01 0 days 1,601 sqft
    2021-09-01 0 days 1,580 sqft
    2021-10-01 0 days 1,568 sqft
    2021-11-01 0 days 1,547 sqft
    2021-12-01 0 days 1,524 sqft
    2022-01-01 0 days 1,480 sqft
    2022-02-01 0 days 1,464 sqft
    2022-03-01 0 days 1,509 sqft
    2022-04-01 0 days 1,468 sqft
    2022-05-01 0 days 1,521 sqft
    2022-06-01 0 days 1,532 sqft
    2022-07-01 0 days 1,489 sqft
    2022-08-01 0 days 1,519 sqft
    2022-09-01 0 days 1,507 sqft
    2022-10-01 0 days 1,549 sqft
    2022-11-01 0 days 1,542 sqft
    2022-12-01 0 days 1,512 sqft
    2023-01-01 0 days 1,512 sqft
    2023-02-01 0 days 1,500 sqft
    2023-03-01 0 days 1,493 sqft
    2023-04-01 0 days 1,456 sqft
    2023-05-01 0 days 1,545 sqft
    2023-06-01 0 days 1,573 sqft
    2023-07-01 0 days 1,564 sqft
    2023-08-01 0 days 1,587 sqft
    2023-09-01 0 days 1,568 sqft
    2023-10-01 0 days 1,542 sqft
    2023-11-01 0 days 1,523 sqft
    2023-12-01 0 days 1,529 sqft
    2024-01-01 0 days 1,530 sqft
    2024-02-01 0 days 1,500 sqft
    2024-03-01 0 days 1,550 sqft
    2024-04-01 0 days 1,590 sqft
    2024-05-01 0 days 1,580 sqft
    2024-06-01 0 days 1,624 sqft
    2024-07-01 0 days 1,637 sqft
    2024-08-01 0 days 1,625 sqft
    2024-09-01 0 days 1,629 sqft
    2024-10-01 0 days 1,581 sqft
    2024-11-01 0 days 1,529 sqft
    Ogdensburg's median listing age (time on market) for 2024-11-01 was 0 days.

    Ogdensburg's median square footage for active listings during the 2024-11-01 period was 1,529 sqft. One year prior, the average listing was 1,523 sqft.