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 2 lenders originated 2 USDA loans during 2024. The total origination value was $460,000, with an average USDA loan value of $230,000.
Oshkosh USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Oshkosh
averaged
6.5%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Oshkosh's average USDA mortgage closing costs are $4,912.
The average rate for the prior week (2025-05-16) was
6.63% and
one month ago for the week of 2025-04-18, the
average rate was 6.52%.
The average rate one year ago was 6.88%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.27%.
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 | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | 6.13% | $5,173 |
| Sierra Pacific Mortgage Company, Inc. | 1 | 5.75% | $12,259 |
The top Oshkosh USDA lender as defined by loan originations is ARK-LA-TEX FINANCIAL SERVICES, LLC., with
1 USDA loans originated. Their average total fees are
$5,173, which is $7,086
lower than the next largest lender,
Sierra Pacific Mortgage Company, Inc..
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 (6.1%) | $226,314 (4.8%) | 0.56 | 597 |
| 2018-03-01 | $169,900 (14.5%) | $236,652 (8.0%) | 0.60 | 613 |
| 2018-04-01 | $204,900 (29.8%) | $291,577 (31.3%) | 0.69 | 359 |
| 2018-05-01 | $215,000 (33.2%) | $297,468 (32.6%) | 0.72 | 371 |
| 2018-06-01 | $199,900 (28.6%) | $281,187 (26.5%) | 0.67 | 393 |
| 2018-07-01 | $183,950 (18.8%) | $279,026 (27.0%) | 0.61 | 403 |
| 2018-08-01 | $182,500 (21.3%) | $272,966 (24.0%) | 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 (18.3%) | 0.59 | 409 |
| 2018-12-01 | $169,900 (13.3%) | $261,212 (17.4%) | 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 | $190,807 (12.3%) | $283,227 (19.7%) | 0.62 | 300 |
| 2019-04-01 | $190,057 (-7.2%) | $285,451 (-2.1%) | 0.60 | 288 |
| 2019-05-01 | $209,900 (-2.4%) | $290,766 (-2.3%) | 0.66 | 301 |
| 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 (16.4%) | 0.84 | 259 |
| 2020-05-01 | $259,900 (23.8%) | $335,805 (15.5%) | 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 | $264,900 (1.9%) | $367,714 (9.5%) | 0.70 | 142 |
| 2021-06-01 | $254,625 (-3.8%) | $363,523 (2.7%) | 0.67 | 157 |
| 2021-07-01 | $229,900 (-10.5%) | $347,308 (-2.2%) | 0.61 | 162 |
| 2021-08-01 | $236,150 (1.6%) | $335,309 (2.0%) | 0.63 | 183 |
| 2021-09-01 | $233,675 (0.0%) | $337,910 (0.6%) | 0.62 | 187 |
| 2021-10-01 | $239,000 (6.2%) | $348,646 (1.3%) | 0.64 | 180 |
| 2021-11-01 | $251,975 (15.5%) | $351,785 (7.1%) | 0.67 | 170 |
| 2021-12-01 | $230,000 (4.9%) | $322,186 (-8.8%) | 0.62 | 138 |
| 2022-01-01 | $249,900 (8.7%) | $338,529 (-11.2%) | 0.68 | 103 |
| 2022-02-01 | $242,400 (4.3%) | $340,789 (-12.2%) | 0.63 | 97 |
| 2022-03-01 | $282,425 (18.3%) | $366,632 (-5.8%) | 0.71 | 74 |
| 2022-04-01 | $279,900 (20.4%) | $345,926 (-7.3%) | 0.67 | 94 |
| 2022-05-01 | $292,675 (10.5%) | $348,127 (-5.3%) | 0.67 | 124 |
| 2022-06-01 | $288,720 (13.4%) | $342,091 (-5.9%) | 0.64 | 152 |
| 2022-07-01 | $259,900 (13.1%) | $332,615 (-4.2%) | 0.59 | 168 |
| 2022-08-01 | $293,725 (24.4%) | $354,521 (5.7%) | 0.68 | 172 |
| 2022-09-01 | $274,925 (17.7%) | $348,623 (3.2%) | 0.64 | 146 |
| 2022-10-01 | $269,900 (12.9%) | $333,526 (-4.3%) | 0.64 | 160 |
| 2022-11-01 | $287,200 (14.0%) | $346,333 (-1.6%) | 0.69 | 163 |
| 2022-12-01 | $279,900 (21.7%) | $351,788 (9.2%) | 0.69 | 153 |
| 2023-01-01 | $336,400 (34.6%) | $409,667 (21.0%) | 0.83 | 114 |
| 2023-02-01 | $370,150 (52.7%) | $442,578 (29.9%) | 0.89 | 103 |
| 2023-03-01 | $373,425 (32.2%) | $443,724 (21.0%) | 0.88 | 92 |
| 2023-04-01 | $331,987 (18.6%) | $407,724 (17.9%) | 0.77 | 113 |
| 2023-05-01 | $314,550 (7.5%) | $395,385 (13.6%) | 0.71 | 109 |
| 2023-06-01 | $333,700 (15.6%) | $398,872 (16.6%) | 0.75 | 118 |
| 2023-07-01 | $319,900 (23.1%) | $401,434 (20.7%) | 0.73 | 120 |
| 2023-08-01 | $335,550 (14.2%) | $402,753 (13.6%) | 0.77 | 119 |
| 2023-09-01 | $317,250 (15.4%) | $395,294 (13.4%) | 0.74 | 139 |
| 2023-10-01 | $314,900 (16.7%) | $380,025 (13.9%) | 0.74 | 151 |
| 2023-11-01 | $317,400 (10.5%) | $378,299 (9.2%) | 0.76 | 153 |
| 2023-12-01 | $294,900 (5.4%) | $379,696 (7.9%) | 0.72 | 136 |
| 2024-01-01 | $307,200 (-8.7%) | $386,872 (-5.6%) | 0.75 | 111 |
| 2024-02-01 | $324,800 (-12.3%) | $400,739 (-9.5%) | 0.78 | 101 |
| 2024-03-01 | $349,500 (-6.4%) | $435,520 (-1.9%) | 0.82 | 115 |
| 2024-04-01 | $358,550 (8.0%) | $449,684 (10.3%) | 0.83 | 145 |
| 2024-05-01 | $389,675 (23.9%) | $457,793 (15.8%) | 0.89 | 151 |
| 2024-06-01 | $364,900 (9.4%) | $420,851 (5.5%) | 0.83 | 149 |
| 2024-07-01 | $348,675 (9.0%) | $419,591 (4.5%) | 0.80 | 149 |
| 2024-08-01 | $329,900 (-1.7%) | $406,834 (1.0%) | 0.77 | 190 |
| 2024-09-01 | $304,900 (-3.9%) | $380,716 (-3.7%) | 0.72 | 205 |
| 2024-10-01 | $312,400 (-0.8%) | $372,270 (-2.0%) | 0.74 | 213 |
| 2024-11-01 | $319,900 (0.8%) | $374,643 (-1.0%) | 0.77 | 230 |
| 2024-12-01 | $299,925 (1.7%) | $365,928 (-3.6%) | 0.75 | 204 |
| 2025-01-01 | $304,900 (-0.8%) | $367,554 (-5.0%) | 0.76 | 183 |
| 2025-02-01 | $341,125 (5.0%) | $394,467 (-1.6%) | 0.83 | 146 |
| 2025-03-01 | $339,900 (-2.8%) | $403,298 (-7.4%) | 0.80 | 138 |
| 2025-04-01 | $332,400 (-7.3%) | $410,455 (-8.7%) | 0.77 | 139 |
Oshkosh's median listing price comes in at 77% of the national average.
Oshkosh's average listing price for 2025-04-01 was $410,455, a difference of $-39,229 (-8.7%) versus the prior year and $7,157 versus the prior month.
For the 2025-04-01 period, Oshkosh had 139 MLS listings, a difference of 1 listings (1%) versus the prior month and -6 listings (-4%) 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 | 1,686 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 | 1,661 sqft |
| 2019-01-01 | 91 days | 1,665 sqft |
| 2019-02-01 | 88 days | 1,677 sqft |
| 2019-03-01 | 75 days | 1,706 sqft |
| 2019-04-01 | 62 days | 1,732 sqft |
| 2019-05-01 | 49 days | 1,776 sqft |
| 2019-06-01 | 47 days | 1,822 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 | 1,824 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 | 1,800 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 | 1,779 sqft |
| 2021-07-01 | 44 days | 1,725 sqft |
| 2021-08-01 | 38 days | 1,721 sqft |
| 2021-09-01 | 45 days | 1,615 sqft |
| 2021-10-01 | 47 days | 1,642 sqft |
| 2021-11-01 | 51 days | 1,693 sqft |
| 2021-12-01 | 54 days | 1,690 sqft |
| 2022-01-01 | 57 days | 1,765 sqft |
| 2022-02-01 | 40 days | 1,613 sqft |
| 2022-03-01 | 43 days | 1,726 sqft |
| 2022-04-01 | 25 days | 1,610 sqft |
| 2022-05-01 | 24 days | 1,662 sqft |
| 2022-06-01 | 22 days | 1,709 sqft |
| 2022-07-01 | 32 days | 1,652 sqft |
| 2022-08-01 | 40 days | 1,664 sqft |
| 2022-09-01 | 43 days | 1,672 sqft |
| 2022-10-01 | 42 days | 1,652 sqft |
| 2022-11-01 | 49 days | 1,700 sqft |
| 2022-12-01 | 51 days | 1,651 sqft |
| 2023-01-01 | 61 days | 1,700 sqft |
| 2023-02-01 | 59 days | 1,753 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 | 30 days | 1,888 sqft |
| 2023-08-01 | 37 days | 1,906 sqft |
| 2023-09-01 | 32 days | 1,847 sqft |
| 2023-10-01 | 35 days | 1,830 sqft |
| 2023-11-01 | 42 days | 1,788 sqft |
| 2023-12-01 | 48 days | 1,769 sqft |
| 2024-01-01 | 48 days | 1,702 sqft |
| 2024-02-01 | 41 days | 1,787 sqft |
| 2024-03-01 | 29 days | 1,847 sqft |
| 2024-04-01 | 27 days | 1,852 sqft |
| 2024-05-01 | 34 days | 1,836 sqft |
| 2024-06-01 | 37 days | 1,902 sqft |
| 2024-07-01 | 35 days | 1,970 sqft |
| 2024-08-01 | 29 days | 1,829 sqft |
| 2024-09-01 | 35 days | 1,741 sqft |
| 2024-10-01 | 37 days | 1,700 sqft |
| 2024-11-01 | 36 days | 1,660 sqft |
| 2024-12-01 | 51 days | 1,651 sqft |
| 2025-01-01 | 60 days | 1,692 sqft |
| 2025-02-01 | 59 days | 1,712 sqft |
| 2025-03-01 | 44 days | 1,743 sqft |
| 2025-04-01 | 32 days | 1,747 sqft |
Oshkosh's median square footage for active listings during the 2025-04-01 period was 1,747 sqft. One year prior, the average listing was 1,852 sqft.