Orangeburg USDA Loan Rates, Closing Costs & Stats

Orangeburg, SC

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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.

    Orangeburg's 15 lenders originated 17 USDA loans during 2024. The total origination value was $3,565,000, with an average USDA loan value of $209,706.

    Orangeburg USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Orangeburg averaged 6.15% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

    Orangeburg's average USDA mortgage closing costs are $5,235.

    The average rate for the prior week (2025-03-28) was 6.51% and one month ago for the week of 2025-02-28, the average rate was 6.36%.

    The average rate one year ago was 6.72%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.16%.

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

    Orangeburg 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 Orangeburg level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    DHI MORTGAGE COMPANY, LTD. 2 3.99% $5,676
    Ameris Bank 1 5.75% $9,208
    BROKER SOLUTIONS, INC. 1 6.25% $7,239
    CALCON MUTUAL MORTGAGE LLC 1 6.63% $6,148
    First Palmetto Bank 1 6.00% $14,323
    GUILD MORTGAGE COMPANY 1 6.25% $5,620
    Magnolia Bank 1 6.63% $10,899
    MOVEMENT MORTGAGE, LLC 1 5.50% $8,278
    NVR Mortgage Finance, Inc. 1 6.63% $8,346
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.13% $8,006
    RESOURCE FINANCIAL SERVICES, INC. 1 6.50% $5,630
    ROYAL UNITED MORTGAGE LLC 1 6.75% $13,340
    SOUTHPOINT FINANCIAL SERVICES, INC. 1 7.25% $14,113
    1ST SIGNATURE LENDING, LLC 1 6.50% $10,612
    TOWNE MORTGAGE COMPANY 1 6.00% $7,347

    The top Orangeburg USDA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with 2 USDA loans originated. Their average total fees are $5,676, which is $3,531 lower than the next largest lender, Ameris Bank.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Orangeburg (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 $131,900 (-5.7%) $174,128 (1.6%) 0.00 341
    2018-02-01 $135,575 (-0.5%) $181,484 (6.6%) 0.00 345
    2018-03-01 $139,250 (4.1%) $184,764 (8.8%) 0.00 349
    2018-04-01 $138,625 (2.8%) $186,375 (8.4%) 0.00 366
    2018-05-01 $139,575 (0.8%) $189,532 (6.7%) 0.00 360
    2018-06-01 $139,900 (1.6%) $190,540 (6.4%) 0.00 362
    2018-07-01 $139,900 (0.0%) $188,679 (6.2%) 0.00 379
    2018-08-01 $147,718 (10.5%) $192,120 (14.2%) 0.00 387
    2018-09-01 $148,995 (11.2%) $192,559 (13.2%) 0.00 393
    2018-10-01 $146,450 (12.4%) $189,314 (13.9%) 0.00 389
    2018-11-01 $145,225 (11.3%) $194,601 (15.4%) 0.00 387
    2018-12-01 $142,500 (8.8%) $190,409 (13.3%) 0.00 374
    2019-01-01 $146,173 (10.8%) $194,834 (11.9%) 0.00 346
    2019-02-01 $149,700 (10.4%) $198,464 (9.4%) 0.00 344
    2019-03-01 $157,000 (12.8%) $203,617 (10.2%) 0.00 358
    2019-04-01 $163,750 (18.1%) $208,001 (11.6%) 0.00 369
    2019-05-01 $159,800 (14.5%) $207,088 (9.3%) 0.00 375
    2019-06-01 $159,900 (14.3%) $203,933 (7.0%) 0.00 365
    2019-07-01 $160,950 (15.1%) $206,626 (9.5%) 0.00 358
    2019-08-01 $167,509 (13.4%) $211,043 (9.9%) 0.00 339
    2019-09-01 $168,348 (13.0%) $212,428 (10.3%) 0.00 319
    2019-10-01 $169,350 (15.6%) $214,616 (13.4%) 0.00 304
    2019-11-01 $196,500 (35.3%) $235,877 (21.2%) 0.00 228
    2019-12-01 $177,475 (24.5%) $233,145 (22.4%) 0.00 230
    2020-01-01 $169,900 (16.2%) $229,161 (17.6%) 0.00 213
    2020-02-01 $159,900 (6.8%) $217,760 (9.7%) 0.00 205
    2020-03-01 $152,000 (-3.2%) $208,753 (2.5%) 0.00 202
    2020-04-01 $152,000 (-7.2%) $212,067 (2.0%) 0.00 193
    2020-05-01 $177,000 (10.8%) $237,178 (14.5%) 0.00 177
    2020-06-01 $167,125 (4.5%) $252,478 (23.8%) 0.00 159
    2020-07-01 $199,000 (23.6%) $273,742 (32.5%) 0.00 151
    2020-08-01 $199,900 (19.3%) $274,751 (30.2%) 0.00 144
    2020-09-01 $199,900 (18.7%) $259,905 (22.4%) 0.00 139
    2020-10-01 $194,500 (14.9%) $264,317 (23.2%) 0.00 129
    2020-11-01 $161,725 (-17.7%) $232,768 (-1.3%) 0.00 154
    2020-12-01 $170,425 (-4.0%) $240,201 (3.0%) 0.00 129
    2021-01-01 $175,000 (3.0%) $228,913 (-0.1%) 0.00 112
    2021-02-01 $159,900 (0.0%) $226,961 (4.2%) 0.00 114
    2021-03-01 $161,125 (6.0%) $235,545 (12.8%) 0.00 99
    2021-04-01 $180,000 (18.4%) $271,915 (28.2%) 0.00 96
    2021-05-01 $175,000 (-1.1%) $317,748 (34.0%) 0.00 80
    2021-06-01 $175,850 (5.2%) $295,290 (17.0%) 0.00 84
    2021-07-01 $222,000 (11.6%) $308,977 (12.9%) 0.00 89
    2021-08-01 $172,450 (-13.7%) $299,165 (8.9%) 0.00 91
    2021-09-01 $176,225 (-11.8%) $295,410 (13.7%) 0.00 100
    2021-10-01 $225,000 (15.7%) $309,220 (17.0%) 0.00 112
    2021-11-01 $239,900 (48.3%) $311,951 (34.0%) 0.00 107
    2021-12-01 $238,825 (40.1%) $301,358 (25.5%) 0.00 108
    2022-01-01 $231,250 (32.1%) $279,142 (21.9%) 0.00 102
    2022-02-01 $232,500 (45.4%) $271,860 (19.8%) 0.00 92
    2022-03-01 $235,500 (46.2%) $270,961 (15.0%) 0.00 76
    2022-04-01 $238,000 (32.2%) $258,910 (-4.8%) 0.00 80
    2022-05-01 $269,950 (54.3%) $279,447 (-12.1%) 0.00 88
    2022-06-01 $310,000 (76.3%) $306,578 (3.8%) 0.00 99
    2022-07-01 $326,900 (47.3%) $308,209 (-0.3%) 0.00 129
    2022-08-01 $318,473 (84.7%) $308,917 (3.3%) 0.00 121
    2022-09-01 $325,900 (84.9%) $324,594 (9.9%) 0.00 121
    2022-10-01 $310,900 (38.2%) $329,342 (6.5%) 0.00 132
    2022-11-01 $303,598 (26.6%) $337,299 (8.1%) 0.00 118
    2022-12-01 $293,950 (23.1%) $321,360 (6.6%) 0.00 128
    2023-01-01 $298,175 (28.9%) $323,726 (16.0%) 0.00 128
    2023-02-01 $269,750 (16.0%) $297,968 (9.6%) 0.00 133
    2023-03-01 $272,475 (15.7%) $290,854 (7.3%) 0.00 145
    2023-04-01 $275,000 (15.6%) $271,316 (4.8%) 0.00 147
    2023-05-01 $249,000 (-7.8%) $256,734 (-8.1%) 0.00 168
    2023-06-01 $254,450 (-17.9%) $266,414 (-13.1%) 0.00 146
    2023-07-01 $274,900 (-15.9%) $283,509 (-8.0%) 0.00 139
    2023-08-01 $267,198 (-16.1%) $288,989 (-6.5%) 0.00 145
    2023-09-01 $250,000 (-23.3%) $271,642 (-16.3%) 0.00 145
    2023-10-01 $259,925 (-16.4%) $293,088 (-11.0%) 0.00 140
    2023-11-01 $263,450 (-13.2%) $289,401 (-14.2%) 0.00 158
    2023-12-01 $279,900 (-4.8%) $300,727 (-6.4%) 0.00 177
    2024-01-01 $268,200 (-10.1%) $299,837 (-7.4%) 0.00 170
    2024-02-01 $261,250 (-3.2%) $302,424 (1.5%) 0.00 182
    2024-03-01 $274,950 (0.9%) $325,677 (12.0%) 0.00 200
    2024-04-01 $273,675 (-0.5%) $309,002 (13.9%) 0.00 187
    2024-05-01 $268,250 (7.7%) $303,592 (18.3%) 0.00 181
    2024-06-01 $269,450 (5.9%) $315,979 (18.6%) 0.00 185
    2024-07-01 $265,448 (-3.4%) $296,965 (4.8%) 0.00 206
    2024-08-01 $268,250 (0.4%) $313,739 (8.6%) 0.00 200
    2024-09-01 $262,948 (5.2%) $310,513 (14.3%) 0.00 198
    2024-10-01 $260,895 (0.4%) $317,982 (8.5%) 0.00 198
    2024-11-01 $269,900 (2.5%) $329,793 (14.0%) 0.00 190
    2024-12-01 $274,950 (-1.8%) $330,272 (9.8%) 0.00 205
    2025-01-01 $268,171 (0.0%) $323,725 (8.0%) 0.00 208
    2025-02-01 $267,896 (2.5%) $317,480 (5.0%) 0.00 228
    2025-03-01 $279,000 (1.5%) $327,198 (0.5%) 0.00 243
    Orangeburg's median listing price for 2025-03-01 was $279,000, a difference of $4,050 (1.5%) versus the prior year and $11,104 versus the prior month.

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

    Orangeburg's average listing price for 2025-03-01 was $327,198, a difference of $1,521 (0.5%) versus the prior year and $9,718 versus the prior month.

    For the 2025-03-01 period, Orangeburg had 243 MLS listings, a difference of 15 listings (7%) versus the prior month and 43 listings (22%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Orangeburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,805 sqft
    2018-02-01 0 days 1,839 sqft
    2018-03-01 0 days 1,830 sqft
    2018-04-01 0 days 1,852 sqft
    2018-05-01 0 days 1,865 sqft
    2018-06-01 0 days 1,920 sqft
    2018-07-01 0 days 1,814 sqft
    2018-08-01 0 days 1,808 sqft
    2018-09-01 0 days 1,800 sqft
    2018-10-01 0 days 1,783 sqft
    2018-11-01 0 days 1,769 sqft
    2018-12-01 0 days 1,740 sqft
    2019-01-01 0 days 1,732 sqft
    2019-02-01 0 days 1,805 sqft
    2019-03-01 0 days 1,812 sqft
    2019-04-01 0 days 1,808 sqft
    2019-05-01 0 days 1,793 sqft
    2019-06-01 0 days 1,781 sqft
    2019-07-01 0 days 1,824 sqft
    2019-08-01 0 days 1,827 sqft
    2019-09-01 0 days 1,840 sqft
    2019-10-01 0 days 1,851 sqft
    2019-11-01 0 days 1,960 sqft
    2019-12-01 0 days 1,955 sqft
    2020-01-01 0 days 1,859 sqft
    2020-02-01 0 days 1,853 sqft
    2020-03-01 0 days 1,853 sqft
    2020-04-01 0 days 1,868 sqft
    2020-05-01 0 days 1,900 sqft
    2020-06-01 0 days 1,912 sqft
    2020-07-01 0 days 2,012 sqft
    2020-08-01 0 days 2,150 sqft
    2020-09-01 0 days 2,098 sqft
    2020-10-01 0 days 2,095 sqft
    2020-11-01 0 days 1,994 sqft
    2020-12-01 0 days 1,901 sqft
    2021-01-01 0 days 1,850 sqft
    2021-02-01 0 days 1,810 sqft
    2021-03-01 0 days 1,807 sqft
    2021-04-01 0 days 1,862 sqft
    2021-05-01 0 days 2,002 sqft
    2021-06-01 0 days 1,923 sqft
    2021-07-01 0 days 1,887 sqft
    2021-08-01 0 days 1,742 sqft
    2021-09-01 0 days 1,764 sqft
    2021-10-01 0 days 1,905 sqft
    2021-11-01 0 days 1,959 sqft
    2021-12-01 0 days 1,920 sqft
    2022-01-01 0 days 1,963 sqft
    2022-02-01 0 days 2,010 sqft
    2022-03-01 0 days 1,928 sqft
    2022-04-01 0 days 1,912 sqft
    2022-05-01 0 days 2,080 sqft
    2022-06-01 0 days 2,179 sqft
    2022-07-01 0 days 2,150 sqft
    2022-08-01 0 days 2,149 sqft
    2022-09-01 0 days 2,117 sqft
    2022-10-01 0 days 2,100 sqft
    2022-11-01 0 days 2,120 sqft
    2022-12-01 0 days 2,064 sqft
    2023-01-01 0 days 2,007 sqft
    2023-02-01 0 days 1,934 sqft
    2023-03-01 0 days 1,952 sqft
    2023-04-01 0 days 1,933 sqft
    2023-05-01 0 days 1,906 sqft
    2023-06-01 0 days 1,929 sqft
    2023-07-01 0 days 2,000 sqft
    2023-08-01 0 days 1,997 sqft
    2023-09-01 0 days 1,908 sqft
    2023-10-01 0 days 1,924 sqft
    2023-11-01 0 days 1,770 sqft
    2023-12-01 0 days 1,774 sqft
    2024-01-01 0 days 1,774 sqft
    2024-02-01 0 days 1,774 sqft
    2024-03-01 0 days 1,774 sqft
    2024-04-01 0 days 1,774 sqft
    2024-05-01 0 days 1,720 sqft
    2024-06-01 0 days 1,740 sqft
    2024-07-01 0 days 1,774 sqft
    2024-08-01 0 days 1,774 sqft
    2024-09-01 0 days 1,754 sqft
    2024-10-01 0 days 1,765 sqft
    2024-11-01 0 days 1,770 sqft
    2024-12-01 0 days 1,708 sqft
    2025-01-01 0 days 1,700 sqft
    2025-02-01 0 days 1,673 sqft
    2025-03-01 0 days 1,715 sqft
    Orangeburg's median listing age (time on market) for 2025-03-01 was 0 days.

    Orangeburg's median square footage for active listings during the 2025-03-01 period was 1,715 sqft. One year prior, the average listing was 1,774 sqft.