Oshkosh USDA Loan Rates, Closing Costs & Stats

OSHKOSH-NEENAH, WI

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.

Oshkosh's 4 lenders originated 4 USDA loans during 2022. The total origination value was $840,000, with an average USDA loan value of $210,000.

Oshkosh USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Oshkosh averaged 6.44% for the week of 2023-09-22, compared to the national average (all USDA variants) of 7.021% for the same period.

Oshkosh's average USDA mortgage closing costs are $4,563.

The average rate for the prior week (2023-09-15) was 6.61% and one month ago for the week of 2023-08-18, the average rate was 6.5%.

The average rate one year ago was 5.43%.

For refis of the same type during the week of 2023-09-22, the average rate was 5.42%.

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

Oshkosh 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 Oshkosh level.

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
CALIBER HOME LOANS, INC. 1 4.25% $3,914
GSF Mortgage Corporation 1 5.00% $10,713
GUILD MORTGAGE COMPANY 1 7.13% $8,147
Waterstone Mortgage Corporation 1 5.13% $6,517

The top Oshkosh USDA lender as defined by loan originations is CALIBER HOME LOANS, INC., with 1 USDA loans originated. Their average total fees are $3,914, which is $6,799 lower than the next largest lender, GSF Mortgage Corporation.

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

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


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Oshkosh (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 $155,000 (9.4%) $228,533 (6.9%) 0.57 545
2018-02-01 $155,000 (6.6%) $226,314 (4.9%) 0.56 597
2018-03-01 $169,900 (14.9%) $236,652 (8.0%) 0.60 613
2018-04-01 $204,900 (29.8%) $291,577 (31.4%) 0.69 359
2018-05-01 $215,000 (33.4%) $297,468 (32.7%) 0.72 371
2018-06-01 $199,900 (28.8%) $281,187 (26.5%) 0.67 393
2018-07-01 $183,950 (18.8%) $279,026 (27.1%) 0.61 403
2018-08-01 $182,500 (21.7%) $272,966 (24.1%) 0.61 423
2018-09-01 $182,500 (17.8%) $266,236 (16.5%) 0.61 421
2018-10-01 $177,175 (14.3%) $265,491 (16.7%) 0.60 417
2018-11-01 $174,500 (12.7%) $262,548 (18.4%) 0.59 409
2018-12-01 $169,900 (13.3%) $261,212 (17.5%) 0.59 369
2019-01-01 $164,763 (6.3%) $263,819 (15.4%) 0.57 340
2019-02-01 $184,450 (19.0%) $274,368 (21.2%) 0.62 317
2019-03-01 $190,828 (12.3%) $283,376 (19.7%) 0.62 301
2019-04-01 $190,103 (-7.2%) $285,789 (-2.0%) 0.60 289
2019-05-01 $211,150 (-1.8%) $290,919 (-2.2%) 0.66 302
2019-06-01 $204,950 (2.5%) $287,178 (2.1%) 0.64 330
2019-07-01 $217,450 (18.2%) $291,164 (4.4%) 0.68 372
2019-08-01 $222,200 (21.8%) $300,239 (10.0%) 0.70 387
2019-09-01 $218,150 (19.5%) $294,536 (10.6%) 0.70 411
2019-10-01 $215,450 (21.6%) $290,733 (9.5%) 0.70 419
2019-11-01 $209,900 (20.3%) $289,396 (10.2%) 0.69 391
2019-12-01 $219,900 (29.4%) $288,807 (10.6%) 0.73 337
2020-01-01 $224,975 (36.5%) $282,310 (7.0%) 0.75 292
2020-02-01 $237,500 (28.8%) $297,425 (8.4%) 0.78 272
2020-03-01 $257,150 (34.8%) $327,715 (15.7%) 0.81 265
2020-04-01 $266,700 (40.3%) $332,232 (16.3%) 0.84 259
2020-05-01 $259,900 (23.1%) $335,805 (15.4%) 0.79 239
2020-06-01 $264,650 (29.1%) $354,056 (23.3%) 0.78 223
2020-07-01 $256,725 (18.1%) $355,214 (22.0%) 0.74 206
2020-08-01 $232,400 (4.6%) $328,715 (9.5%) 0.67 212
2020-09-01 $233,725 (7.1%) $336,046 (14.1%) 0.67 209
2020-10-01 $225,000 (4.4%) $344,265 (18.4%) 0.64 196
2020-11-01 $218,225 (4.0%) $328,632 (13.6%) 0.64 183
2020-12-01 $219,200 (-0.3%) $353,280 (22.3%) 0.65 159
2021-01-01 $230,000 (2.2%) $381,203 (35.0%) 0.69 121
2021-02-01 $232,450 (-2.1%) $388,205 (30.5%) 0.68 117
2021-03-01 $238,675 (-7.2%) $389,385 (18.8%) 0.68 111
2021-04-01 $232,500 (-12.8%) $373,084 (12.3%) 0.63 117
2021-05-01 $269,900 (3.9%) $367,603 (9.5%) 0.72 142
2021-06-01 $254,900 (-3.7%) $364,383 (2.9%) 0.67 159
2021-07-01 $230,000 (-10.4%) $348,242 (-2.0%) 0.61 163
2021-08-01 $237,400 (2.2%) $336,222 (2.3%) 0.63 184
2021-09-01 $236,825 (1.3%) $338,349 (0.7%) 0.63 189
2021-10-01 $239,000 (6.2%) $347,492 (0.9%) 0.64 181
2021-11-01 $251,975 (15.5%) $350,544 (6.7%) 0.67 170
2021-12-01 $229,975 (4.9%) $320,538 (-9.3%) 0.62 137
2022-01-01 $249,900 (8.7%) $336,738 (-11.7%) 0.68 102
2022-02-01 $239,900 (3.2%) $338,641 (-12.8%) 0.62 96
2022-03-01 $282,400 (18.3%) $364,501 (-6.4%) 0.71 73
2022-04-01 $279,900 (20.4%) $348,034 (-6.7%) 0.67 95
2022-05-01 $293,675 (8.8%) $348,581 (-5.2%) 0.67 125
2022-06-01 $291,950 (14.5%) $342,306 (-6.1%) 0.65 154
2022-07-01 $262,400 (14.1%) $332,904 (-4.4%) 0.59 170
2022-08-01 $294,350 (24.0%) $354,943 (5.6%) 0.68 174
2022-09-01 $279,475 (18.0%) $349,367 (3.3%) 0.65 149
2022-10-01 $272,400 (14.0%) $334,616 (-3.7%) 0.64 163
2022-11-01 $289,900 (15.1%) $347,235 (-0.9%) 0.70 166
2022-12-01 $282,000 (22.6%) $352,644 (10.0%) 0.70 156
2023-01-01 $336,987 (34.9%) $409,955 (21.7%) 0.84 115
2023-02-01 $371,900 (55.0%) $442,631 (30.7%) 0.90 104
2023-03-01 $373,425 (32.2%) $443,724 (21.7%) 0.88 92
2023-04-01 $331,987 (18.6%) $407,724 (17.2%) 0.77 113
2023-05-01 $314,550 (7.1%) $395,385 (13.4%) 0.71 109
2023-06-01 $333,700 (14.3%) $398,872 (16.5%) 0.75 118
2023-07-01 $324,900 (23.8%) $401,434 (20.6%) 0.74 120
2023-08-01 $335,550 (14.0%) $402,753 (13.5%) 0.77 119
Oshkosh's median listing price for 2023-08-01 was $335,550, a difference of $41,200 (14.0%) versus the prior year and $10,650 versus the prior month.

Oshkosh's median listing price comes in at 77% of the national average.

Oshkosh's average listing price for 2023-08-01 was $402,753, a difference of $47,810 (13.5%) versus the prior year and $1,319 versus the prior month.

For the 2023-08-01 period, Oshkosh had 119 MLS listings, a difference of -1 listings (-1%) versus the prior month and -55 listings (-32%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Oshkosh (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 84 days 1,687 sqft
2018-02-01 74 days 1,672 sqft
2018-03-01 53 days 1,731 sqft
2018-04-01 55 days 1,811 sqft
2018-05-01 52 days 1,827 sqft
2018-06-01 50 days 1,807 sqft
2018-07-01 52 days 1,736 sqft
2018-08-01 53 days 1,740 sqft
2018-09-01 52 days 1,759 sqft
2018-10-01 57 days 1,704 sqft
2018-11-01 65 days 1,669 sqft
2018-12-01 81 days 1,662 sqft
2019-01-01 91 days 1,665 sqft
2019-02-01 88 days 1,677 sqft
2019-03-01 75 days 1,712 sqft
2019-04-01 62 days 1,741 sqft
2019-05-01 49 days 1,779 sqft
2019-06-01 47 days 1,824 sqft
2019-07-01 50 days 1,823 sqft
2019-08-01 52 days 1,840 sqft
2019-09-01 51 days 1,804 sqft
2019-10-01 52 days 1,780 sqft
2019-11-01 64 days 1,799 sqft
2019-12-01 80 days 1,776 sqft
2020-01-01 82 days 1,750 sqft
2020-02-01 68 days 1,776 sqft
2020-03-01 53 days 1,818 sqft
2020-04-01 56 days 1,881 sqft
2020-05-01 68 days 1,831 sqft
2020-06-01 58 days 1,842 sqft
2020-07-01 52 days 1,870 sqft
2020-08-01 50 days 1,790 sqft
2020-09-01 50 days 1,786 sqft
2020-10-01 59 days 1,788 sqft
2020-11-01 56 days 1,771 sqft
2020-12-01 63 days 1,761 sqft
2021-01-01 79 days 1,763 sqft
2021-02-01 68 days 1,836 sqft
2021-03-01 45 days 1,752 sqft
2021-04-01 41 days 1,729 sqft
2021-05-01 29 days 1,740 sqft
2021-06-01 31 days 1,784 sqft
2021-07-01 44 days 1,740 sqft
2021-08-01 38 days 1,723 sqft
2021-09-01 45 days 1,617 sqft
2021-10-01 47 days 1,616 sqft
2021-11-01 52 days 1,689 sqft
2021-12-01 54 days 1,689 sqft
2022-01-01 57 days 1,749 sqft
2022-02-01 40 days 1,608 sqft
2022-03-01 43 days 1,722 sqft
2022-04-01 26 days 1,612 sqft
2022-05-01 24 days 1,666 sqft
2022-06-01 22 days 1,700 sqft
2022-07-01 32 days 1,651 sqft
2022-08-01 40 days 1,667 sqft
2022-09-01 43 days 1,674 sqft
2022-10-01 42 days 1,652 sqft
2022-11-01 50 days 1,705 sqft
2022-12-01 51 days 1,651 sqft
2023-01-01 61 days 1,714 sqft
2023-02-01 59 days 1,762 sqft
2023-03-01 46 days 1,812 sqft
2023-04-01 34 days 1,788 sqft
2023-05-01 37 days 1,749 sqft
2023-06-01 38 days 1,837 sqft
2023-07-01 31 days 1,884 sqft
2023-08-01 37 days 1,906 sqft
Oshkosh's median listing age (time on market) for 2023-08-01 was 37 days. This is -6% shorter than the same period one year ago.

Oshkosh's median square footage for active listings during the 2023-08-01 period was 1,906 sqft. One year prior, the average listing was 1,667 sqft.