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%.
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 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 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.