Pinehurst USDA Loan Rates, Closing Costs & Stats

Pinehurst-Southern Pines, NC

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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.

    Pinehurst's 5 lenders originated 8 USDA loans during 2023. The total origination value was $1,780,000, with an average USDA loan value of $222,500.

    Pinehurst USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Pinehurst averaged 5.95% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Pinehurst's average USDA mortgage closing costs are $5,376.

    The average rate for the prior week (2025-02-07) was 6.31% and one month ago for the week of 2025-01-10, the average rate was 6.26%.

    The average rate one year ago was 6.15%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.43%.

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

    Pinehurst 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 Pinehurst level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    DHI MORTGAGE COMPANY, LTD. 4 5.19% $4,711
    CARDINAL FINANCIAL 1 5.25% $7,967
    CORNERSTONE HOME LENDING, INC. 1 6.75% $5,406
    First Bank 1 5.63% $5,315
    UNITED WHOLESALE MORTGAGE, LLC 1 5.13% $15,562

    The top Pinehurst USDA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with 4 USDA loans originated. Their average total fees are $4,711, which is $3,256 lower than the next largest lender, CARDINAL FINANCIAL.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Pinehurst (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 $299,900 (1.3%) $379,508 (4.2%) 0.00 837
    2018-02-01 $301,137 (2.5%) $384,663 (4.8%) 0.00 832
    2018-03-01 $309,950 (3.8%) $389,808 (6.1%) 0.00 843
    2018-04-01 $308,719 (3.1%) $391,013 (6.4%) 0.00 872
    2018-05-01 $300,000 (0.0%) $387,286 (4.9%) 0.00 899
    2018-06-01 $300,000 (0.3%) $391,773 (6.8%) 0.00 884
    2018-07-01 $307,541 (2.9%) $393,962 (7.6%) 0.00 830
    2018-08-01 $305,500 (1.9%) $391,360 (6.2%) 0.00 821
    2018-09-01 $306,815 (2.3%) $386,721 (3.8%) 0.00 808
    2018-10-01 $309,168 (3.1%) $387,944 (5.0%) 0.00 785
    2018-11-01 $306,816 (2.3%) $385,798 (2.4%) 0.00 769
    2018-12-01 $304,950 (1.7%) $386,789 (2.3%) 0.00 761
    2019-01-01 $307,000 (2.4%) $390,857 (3.0%) 0.00 716
    2019-02-01 $312,500 (3.8%) $396,296 (3.0%) 0.00 738
    2019-03-01 $318,416 (2.7%) $412,745 (5.9%) 0.00 717
    2019-04-01 $323,985 (5.0%) $427,859 (9.4%) 0.00 713
    2019-05-01 $336,250 (12.1%) $431,560 (11.4%) 0.00 713
    2019-06-01 $333,860 (11.3%) $424,199 (8.3%) 0.00 715
    2019-07-01 $334,360 (8.7%) $428,895 (8.9%) 0.00 679
    2019-08-01 $332,678 (8.9%) $428,178 (9.4%) 0.00 675
    2019-09-01 $331,115 (7.9%) $426,861 (10.4%) 0.00 671
    2019-10-01 $329,950 (6.7%) $426,222 (9.9%) 0.00 667
    2019-11-01 $329,900 (7.5%) $432,634 (12.1%) 0.00 624
    2019-12-01 $331,865 (8.8%) $440,093 (13.8%) 0.00 588
    2020-01-01 $333,595 (8.7%) $436,811 (11.8%) 0.00 561
    2020-02-01 $339,205 (8.6%) $429,585 (8.4%) 0.00 549
    2020-03-01 $339,450 (6.6%) $427,843 (3.7%) 0.00 576
    2020-04-01 $337,179 (4.1%) $414,272 (-3.2%) 0.00 589
    2020-05-01 $339,450 (1.0%) $417,576 (-3.2%) 0.00 528
    2020-06-01 $335,750 (0.6%) $424,670 (0.1%) 0.00 468
    2020-07-01 $329,988 (-1.3%) $424,742 (-1.0%) 0.00 415
    2020-08-01 $330,227 (-0.7%) $438,969 (2.5%) 0.00 396
    2020-09-01 $345,000 (4.2%) $443,850 (4.0%) 0.00 367
    2020-10-01 $345,000 (4.6%) $445,906 (4.6%) 0.00 325
    2020-11-01 $351,975 (6.7%) $443,318 (2.5%) 0.00 300
    2020-12-01 $349,750 (5.4%) $460,333 (4.6%) 0.00 274
    2021-01-01 $363,908 (9.1%) $493,969 (13.1%) 0.00 207
    2021-02-01 $365,893 (7.9%) $498,532 (16.1%) 0.00 174
    2021-03-01 $357,725 (5.4%) $480,352 (12.3%) 0.00 236
    2021-04-01 $365,168 (8.3%) $479,576 (15.8%) 0.00 270
    2021-05-01 $365,000 (7.5%) $527,880 (26.4%) 0.00 139
    2021-06-01 $372,475 (10.9%) $504,552 (18.8%) 0.00 152
    2021-07-01 $377,000 (14.3%) $529,372 (24.6%) 0.00 155
    2021-08-01 $385,326 (16.7%) $510,383 (16.3%) 0.00 181
    2021-09-01 $385,750 (11.8%) $487,256 (9.8%) 0.00 180
    2021-10-01 $390,000 (13.0%) $517,441 (16.0%) 0.00 188
    2021-11-01 $399,250 (13.4%) $591,508 (33.4%) 0.00 192
    2021-12-01 $399,000 (14.1%) $587,025 (27.5%) 0.00 156
    2022-01-01 $399,000 (9.6%) $605,545 (22.6%) 0.00 144
    2022-02-01 $428,313 (17.1%) $653,836 (31.2%) 0.00 100
    2022-03-01 $464,000 (29.7%) $621,767 (29.4%) 0.00 104
    2022-04-01 $452,500 (23.9%) $615,133 (28.3%) 0.00 134
    2022-05-01 $449,925 (23.3%) $569,222 (7.8%) 0.00 178
    2022-06-01 $449,900 (20.8%) $611,462 (21.2%) 0.00 225
    2022-07-01 $456,400 (21.1%) $611,517 (15.5%) 0.00 254
    2022-08-01 $449,900 (16.8%) $594,073 (16.4%) 0.00 285
    2022-09-01 $460,950 (19.5%) $587,930 (20.7%) 0.00 315
    2022-10-01 $465,000 (19.2%) $593,261 (14.7%) 0.00 343
    2022-11-01 $452,500 (13.3%) $580,015 (-1.9%) 0.00 355
    2022-12-01 $451,000 (13.0%) $571,006 (-2.7%) 0.00 341
    2023-01-01 $451,035 (13.0%) $559,992 (-7.5%) 0.00 305
    2023-02-01 $451,855 (5.5%) $559,178 (-14.5%) 0.00 259
    2023-03-01 $464,950 (0.2%) $551,727 (-11.3%) 0.00 239
    2023-04-01 $480,000 (6.1%) $573,825 (-6.7%) 0.00 230
    2023-05-01 $487,125 (8.3%) $571,268 (0.4%) 0.00 249
    2023-06-01 $479,975 (6.7%) $570,128 (-6.8%) 0.00 289
    2023-07-01 $480,000 (5.2%) $588,826 (-3.7%) 0.00 308
    2023-08-01 $484,400 (7.7%) $596,247 (0.4%) 0.00 323
    2023-09-01 $471,400 (2.3%) $583,795 (-0.7%) 0.00 364
    2023-10-01 $452,044 (-2.8%) $557,853 (-6.0%) 0.00 386
    2023-11-01 $460,250 (1.7%) $579,113 (-0.2%) 0.00 406
    2023-12-01 $459,950 (2.0%) $585,395 (2.5%) 0.00 412
    2024-01-01 $466,175 (3.4%) $581,288 (3.8%) 0.00 392
    2024-02-01 $462,000 (2.3%) $595,612 (6.5%) 0.00 358
    2024-03-01 $455,000 (-2.1%) $601,013 (8.9%) 0.00 358
    2024-04-01 $463,500 (-3.4%) $608,035 (6.0%) 0.00 395
    2024-05-01 $475,000 (-2.5%) $633,108 (10.8%) 0.00 436
    2024-06-01 $479,900 (0.0%) $640,836 (12.4%) 0.00 505
    2024-07-01 $475,000 (-1.0%) $620,207 (5.3%) 0.00 505
    2024-08-01 $461,450 (-4.7%) $595,946 (-0.1%) 0.00 547
    2024-09-01 $455,000 (-3.5%) $609,380 (4.4%) 0.00 553
    2024-10-01 $451,250 (-0.2%) $600,005 (7.6%) 0.00 549
    2024-11-01 $454,990 (-1.1%) $596,744 (3.0%) 0.00 546
    2024-12-01 $449,900 (-2.2%) $588,451 (0.5%) 0.00 500
    2025-01-01 $456,225 (-2.1%) $596,389 (2.6%) 0.00 506
    Pinehurst's median listing price for 2025-01-01 was $456,225, a difference of $-9,950 (-2.1%) versus the prior year and $6,325 versus the prior month.

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

    Pinehurst's average listing price for 2025-01-01 was $596,389, a difference of $15,101 (2.6%) versus the prior year and $7,938 versus the prior month.

    For the 2025-01-01 period, Pinehurst had 506 MLS listings, a difference of 6 listings (1%) versus the prior month and 114 listings (29%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Pinehurst (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,500 sqft
    2018-02-01 0 days 2,500 sqft
    2018-03-01 0 days 2,500 sqft
    2018-04-01 0 days 2,500 sqft
    2018-05-01 0 days 2,500 sqft
    2018-06-01 0 days 2,500 sqft
    2018-07-01 0 days 2,512 sqft
    2018-08-01 0 days 2,500 sqft
    2018-09-01 0 days 2,500 sqft
    2018-10-01 0 days 2,500 sqft
    2018-11-01 0 days 2,500 sqft
    2018-12-01 0 days 2,500 sqft
    2019-01-01 0 days 2,500 sqft
    2019-02-01 0 days 2,448 sqft
    2019-03-01 0 days 2,483 sqft
    2019-04-01 0 days 2,545 sqft
    2019-05-01 0 days 2,563 sqft
    2019-06-01 0 days 2,546 sqft
    2019-07-01 0 days 2,557 sqft
    2019-08-01 0 days 2,553 sqft
    2019-09-01 0 days 2,551 sqft
    2019-10-01 0 days 2,549 sqft
    2019-11-01 0 days 2,520 sqft
    2019-12-01 0 days 2,537 sqft
    2020-01-01 0 days 2,511 sqft
    2020-02-01 0 days 2,506 sqft
    2020-03-01 0 days 2,513 sqft
    2020-04-01 0 days 2,500 sqft
    2020-05-01 0 days 2,500 sqft
    2020-06-01 0 days 2,502 sqft
    2020-07-01 0 days 2,493 sqft
    2020-08-01 0 days 2,500 sqft
    2020-09-01 0 days 2,543 sqft
    2020-10-01 0 days 2,543 sqft
    2020-11-01 0 days 2,530 sqft
    2020-12-01 0 days 2,506 sqft
    2021-01-01 0 days 2,512 sqft
    2021-02-01 0 days 2,396 sqft
    2021-03-01 0 days 2,342 sqft
    2021-04-01 0 days 2,353 sqft
    2021-05-01 0 days 2,260 sqft
    2021-06-01 0 days 2,297 sqft
    2021-07-01 0 days 2,256 sqft
    2021-08-01 0 days 2,317 sqft
    2021-09-01 0 days 2,285 sqft
    2021-10-01 0 days 2,290 sqft
    2021-11-01 0 days 2,375 sqft
    2021-12-01 0 days 2,357 sqft
    2022-01-01 0 days 2,367 sqft
    2022-02-01 0 days 2,334 sqft
    2022-03-01 0 days 2,454 sqft
    2022-04-01 0 days 2,429 sqft
    2022-05-01 0 days 2,424 sqft
    2022-06-01 0 days 2,408 sqft
    2022-07-01 0 days 2,495 sqft
    2022-08-01 0 days 2,448 sqft
    2022-09-01 0 days 2,480 sqft
    2022-10-01 0 days 2,497 sqft
    2022-11-01 0 days 2,445 sqft
    2022-12-01 0 days 2,444 sqft
    2023-01-01 0 days 2,439 sqft
    2023-02-01 0 days 2,394 sqft
    2023-03-01 0 days 2,419 sqft
    2023-04-01 0 days 2,464 sqft
    2023-05-01 0 days 2,383 sqft
    2023-06-01 0 days 2,364 sqft
    2023-07-01 0 days 2,375 sqft
    2023-08-01 0 days 2,329 sqft
    2023-09-01 0 days 2,283 sqft
    2023-10-01 0 days 2,200 sqft
    2023-11-01 0 days 2,247 sqft
    2023-12-01 0 days 2,266 sqft
    2024-01-01 0 days 2,284 sqft
    2024-02-01 0 days 2,294 sqft
    2024-03-01 0 days 2,350 sqft
    2024-04-01 0 days 2,363 sqft
    2024-05-01 0 days 2,359 sqft
    2024-06-01 0 days 2,375 sqft
    2024-07-01 0 days 2,361 sqft
    2024-08-01 0 days 2,325 sqft
    2024-09-01 0 days 2,309 sqft
    2024-10-01 0 days 2,308 sqft
    2024-11-01 0 days 2,308 sqft
    2024-12-01 0 days 2,287 sqft
    2025-01-01 0 days 2,308 sqft
    Pinehurst's median listing age (time on market) for 2025-01-01 was 0 days.

    Pinehurst's median square footage for active listings during the 2025-01-01 period was 2,308 sqft. One year prior, the average listing was 2,284 sqft.