Oshkosh USDA Loan Rates, Closing Costs & Stats

OSHKOSH-NEENAH, WI

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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.

    Oshkosh's 3 lenders originated 3 USDA loans during 2023. The total origination value was $625,000, with an average USDA loan value of $208,333.

    Oshkosh USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Oshkosh averaged 0.19% for the week of 2024-11-15, compared to the national average (all USDA variants) of 0% for the same period.

    Oshkosh's average USDA mortgage closing costs are $4,701.

    The average rate for the prior week (2024-11-08) was 6.44% and one month ago for the week of 2024-10-11, the average rate was 6%.

    The average rate one year ago was 7.43%.

    For refis of the same type during the week of 2024-11-15, the average rate was 0.09%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    CALIBER HOME LOANS, INC. 1 6.63% $4,283
    HOMESTEAD FUNDING CORP. 1 7.25% $5,053
    Sierra Pacific Mortgage Company, Inc. 1 7.63% $9,333

    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 $4,283, which is $771 lower than the next largest lender, HOMESTEAD FUNDING CORP..

    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 (9.2%) $228,544 (6.6%) 0.57 545
    2018-02-01 $155,000 (5.2%) $226,463 (4.7%) 0.56 597
    2018-03-01 $169,900 (14.1%) $236,786 (7.9%) 0.60 613
    2018-04-01 $209,925 (32.5%) $292,679 (31.5%) 0.71 361
    2018-05-01 $217,225 (33.8%) $298,042 (32.7%) 0.73 372
    2018-06-01 $199,900 (28.0%) $281,339 (26.3%) 0.67 394
    2018-07-01 $184,425 (19.1%) $279,191 (26.9%) 0.62 404
    2018-08-01 $183,100 (20.9%) $273,135 (24.0%) 0.61 424
    2018-09-01 $182,700 (18.0%) $266,463 (16.4%) 0.61 423
    2018-10-01 $179,450 (15.8%) $265,726 (16.6%) 0.61 419
    2018-11-01 $177,000 (14.3%) $262,793 (18.2%) 0.60 411
    2018-12-01 $169,900 (13.3%) $261,403 (17.4%) 0.59 371
    2019-01-01 $164,900 (6.4%) $263,994 (15.5%) 0.57 343
    2019-02-01 $184,950 (19.3%) $274,460 (21.2%) 0.62 320
    2019-03-01 $198,657 (16.9%) $283,240 (19.6%) 0.65 303
    2019-04-01 $197,207 (-6.1%) $285,547 (-2.4%) 0.63 290
    2019-05-01 $212,400 (-2.2%) $290,883 (-2.4%) 0.66 303
    2019-06-01 $205,000 (2.6%) $287,275 (2.1%) 0.64 332
    2019-07-01 $219,900 (19.2%) $291,228 (4.3%) 0.69 374
    2019-08-01 $222,200 (21.4%) $300,239 (9.9%) 0.70 389
    2019-09-01 $218,150 (19.4%) $294,530 (10.5%) 0.70 412
    2019-10-01 $215,450 (20.1%) $290,723 (9.4%) 0.70 420
    2019-11-01 $209,900 (18.6%) $289,364 (10.1%) 0.69 392
    2019-12-01 $219,900 (29.4%) $288,791 (10.5%) 0.73 337
    2020-01-01 $224,975 (36.4%) $282,310 (6.9%) 0.75 292
    2020-02-01 $237,500 (28.4%) $297,425 (8.4%) 0.78 272
    2020-03-01 $257,425 (29.6%) $327,901 (15.8%) 0.81 265
    2020-04-01 $267,175 (35.5%) $332,681 (16.5%) 0.84 260
    2020-05-01 $264,450 (24.5%) $336,351 (15.6%) 0.80 241
    2020-06-01 $264,900 (29.2%) $354,117 (23.3%) 0.78 224
    2020-07-01 $257,100 (16.9%) $355,450 (22.1%) 0.75 207
    2020-08-01 $236,200 (6.3%) $328,884 (9.5%) 0.68 214
    2020-09-01 $235,575 (8.0%) $336,022 (14.1%) 0.68 209
    2020-10-01 $225,000 (4.4%) $344,265 (18.4%) 0.64 196
    2020-11-01 $219,450 (4.6%) $328,568 (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 (-7.3%) $389,385 (18.8%) 0.68 111
    2021-04-01 $232,500 (-13.0%) $373,084 (12.1%) 0.63 117
    2021-05-01 $264,900 (0.2%) $367,714 (9.3%) 0.70 142
    2021-06-01 $254,925 (-3.8%) $363,409 (2.6%) 0.67 159
    2021-07-01 $237,500 (-7.6%) $347,902 (-2.1%) 0.63 164
    2021-08-01 $238,675 (1.1%) $335,995 (2.2%) 0.64 185
    2021-09-01 $237,113 (0.7%) $338,758 (0.8%) 0.63 188
    2021-10-01 $239,500 (6.4%) $349,191 (1.4%) 0.64 181
    2021-11-01 $254,450 (16.0%) $352,438 (7.3%) 0.68 172
    2021-12-01 $241,200 (10.0%) $323,559 (-8.4%) 0.65 141
    2022-01-01 $249,900 (8.7%) $338,529 (-11.2%) 0.68 107
    2022-02-01 $247,450 (6.5%) $341,178 (-12.1%) 0.64 99
    2022-03-01 $282,950 (18.6%) $368,048 (-5.5%) 0.71 76
    2022-04-01 $292,400 (25.8%) $348,184 (-6.7%) 0.70 96
    2022-05-01 $292,900 (10.6%) $349,401 (-5.0%) 0.67 125
    2022-06-01 $288,720 (13.3%) $342,091 (-5.9%) 0.64 152
    2022-07-01 $259,900 (9.4%) $334,065 (-4.0%) 0.59 168
    2022-08-01 $293,725 (23.1%) $354,521 (5.5%) 0.68 172
    2022-09-01 $274,925 (16.0%) $348,999 (3.0%) 0.64 146
    2022-10-01 $269,900 (12.7%) $333,526 (-4.5%) 0.64 160
    2022-11-01 $287,200 (12.9%) $346,333 (-1.7%) 0.69 163
    2022-12-01 $279,900 (16.0%) $351,995 (8.8%) 0.69 153
    2023-01-01 $336,400 (34.6%) $409,667 (21.0%) 0.83 114
    2023-02-01 $370,150 (49.6%) $442,578 (29.7%) 0.89 103
    2023-03-01 $373,425 (32.0%) $443,724 (20.6%) 0.88 92
    2023-04-01 $331,987 (13.5%) $407,724 (17.1%) 0.77 113
    2023-05-01 $314,550 (7.4%) $395,385 (13.2%) 0.71 109
    2023-06-01 $333,700 (15.6%) $398,872 (16.6%) 0.75 118
    2023-07-01 $324,900 (25.0%) $401,434 (20.2%) 0.74 120
    2023-08-01 $335,550 (14.2%) $402,753 (13.6%) 0.77 119
    2023-09-01 $317,250 (15.4%) $395,294 (13.3%) 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 $399,675 (27.1%) $467,010 (18.1%) 0.90 151
    2024-06-01 $389,450 (16.7%) $448,334 (12.4%) 0.88 150
    2024-07-01 $348,675 (7.3%) $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
    Oshkosh's median listing price for 2024-10-01 was $312,400, a difference of $-2,500 (-0.8%) versus the prior year and $7,500 versus the prior month.

    Oshkosh's median listing price comes in at 74% of the national average.

    Oshkosh's average listing price for 2024-10-01 was $372,270, a difference of $-7,755 (-2.0%) versus the prior year and $-8,446 versus the prior month.

    For the 2024-10-01 period, Oshkosh had 213 MLS listings, a difference of 8 listings (4%) versus the prior month and 62 listings (41%) 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 1,688 sqft
    2018-02-01 74 days 1,672 sqft
    2018-03-01 54 days 1,731 sqft
    2018-04-01 55 days 1,815 sqft
    2018-05-01 52 days 1,828 sqft
    2018-06-01 51 days 1,811 sqft
    2018-07-01 52 days 1,741 sqft
    2018-08-01 53 days 1,743 sqft
    2018-09-01 52 days 1,760 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 1,663 sqft
    2019-02-01 88 days 1,675 sqft
    2019-03-01 75 days 1,698 sqft
    2019-04-01 62 days 1,725 sqft
    2019-05-01 50 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 52 days 1,804 sqft
    2019-10-01 52 days 1,780 sqft
    2019-11-01 64 days 1,797 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 55 days 1,890 sqft
    2020-05-01 67 days 1,839 sqft
    2020-06-01 58 days 1,846 sqft
    2020-07-01 53 days 1,872 sqft
    2020-08-01 50 days 1,790 sqft
    2020-09-01 50 days 1,780 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 1,762 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 30 days 1,773 sqft
    2021-07-01 44 days 1,725 sqft
    2021-08-01 38 days 1,720 sqft
    2021-09-01 46 days 1,627 sqft
    2021-10-01 47 days 1,643 sqft
    2021-11-01 51 days 1,698 sqft
    2021-12-01 54 days 1,689 sqft
    2022-01-01 57 days 1,765 sqft
    2022-02-01 40 days 1,607 sqft
    2022-03-01 43 days 1,732 sqft
    2022-04-01 26 days 1,610 sqft
    2022-05-01 25 days 1,665 sqft
    2022-06-01 22 days 1,709 sqft
    2022-07-01 32 days 1,657 sqft
    2022-08-01 40 days 1,664 sqft
    2022-09-01 43 days 1,674 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 31 days 1,884 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 30 days 1,859 sqft
    2024-06-01 23 days 2,008 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
    Oshkosh's median listing age (time on market) for 2024-10-01 was 37 days. This is 6% longer than the same period one year ago.

    Oshkosh's median square footage for active listings during the 2024-10-01 period was 1,700 sqft. One year prior, the average listing was 1,830 sqft.