Pittsburg USDA Loan Rates, Closing Costs & Stats
Pittsburg, KS
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.
Pittsburg's 5 lenders originated 45 USDA loans during 2023. The total origination value was $5,035,000, with an average USDA loan value of $111,889.
Pittsburg USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Pittsburg
averaged
6.69%
for the week of 2024-12-13, compared to the national average (all USDA variants) of
6.303% for the same period.
Pittsburg's average USDA mortgage closing costs are $4,063.
The average rate for the prior week (2024-12-06) was
6.33% and
one month ago for the week of 2024-11-08, the
average rate was 6.45%.
The average rate one year ago was 6.81%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.3%.
Pittsburg 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 Pittsburg level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| FLAT BRANCH MORTGAGE, INC. | 33 | 7.05% | $5,018 |
| Community National Bank & Trust | 4 | 6.81% | $5,308 |
| Gateway First Bank | 4 | 6.84% | $4,611 |
| Mortgage Investment Services Corporation | 1 | 6.75% | $3,946 |
| MUTUAL OF OMAHA MORTGAGE, INC. | 1 | 5.25% | $7,352 |
The top Pittsburg USDA lender as defined by loan originations is FLAT BRANCH MORTGAGE, INC., with
33 USDA loans originated. Their average total fees are
$5,018, which is $290
lower than the next largest lender,
Community National Bank & Trust.
The lowest fee Pittsburg USDA lenders (with over 10 loans originated) are
FLAT BRANCH MORTGAGE, INC. ($5,018), .
The lowest rate Pittsburg USDA lenders (with over 10 loans originated) are
FLAT BRANCH MORTGAGE, INC. (7.05%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Pittsburg (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 | $75,060 (-1.6%) | $119,822 (-1.4%) | 0.00 | 192 |
| 2018-02-01 | $79,125 (5.2%) | $125,272 (2.3%) | 0.00 | 206 |
| 2018-03-01 | $86,000 (13.5%) | $130,397 (8.5%) | 0.00 | 207 |
| 2018-04-01 | $89,125 (18.1%) | $142,948 (22.9%) | 0.00 | 211 |
| 2018-05-01 | $89,700 (16.5%) | $143,973 (20.7%) | 0.00 | 205 |
| 2018-06-01 | $99,900 (25.0%) | $140,074 (16.5%) | 0.00 | 214 |
| 2018-07-01 | $93,100 (6.6%) | $140,086 (7.9%) | 0.00 | 211 |
| 2018-08-01 | $88,625 (4.4%) | $136,128 (4.6%) | 0.00 | 210 |
| 2018-09-01 | $88,250 (11.0%) | $134,441 (5.2%) | 0.00 | 209 |
| 2018-10-01 | $89,900 (13.6%) | $138,462 (7.9%) | 0.00 | 211 |
| 2018-11-01 | $89,975 (12.8%) | $139,055 (11.1%) | 0.00 | 203 |
| 2018-12-01 | $84,975 (6.7%) | $132,657 (7.4%) | 0.00 | 194 |
| 2019-01-01 | $79,950 (6.5%) | $127,303 (6.2%) | 0.00 | 182 |
| 2019-02-01 | $69,500 (-12.2%) | $118,308 (-5.6%) | 0.00 | 226 |
| 2019-03-01 | $76,571 (-11.0%) | $124,135 (-4.8%) | 0.00 | 204 |
| 2019-04-01 | $86,000 (-3.5%) | $133,338 (-6.7%) | 0.00 | 179 |
| 2019-05-01 | $86,178 (-3.9%) | $136,511 (-5.2%) | 0.00 | 164 |
| 2019-06-01 | $87,000 (-12.9%) | $131,273 (-6.3%) | 0.00 | 163 |
| 2019-07-01 | $79,163 (-15.0%) | $122,727 (-12.4%) | 0.00 | 160 |
| 2019-08-01 | $82,636 (-6.8%) | $119,525 (-12.2%) | 0.00 | 161 |
| 2019-09-01 | $78,341 (-11.2%) | $115,806 (-13.9%) | 0.00 | 166 |
| 2019-10-01 | $75,477 (-16.0%) | $113,327 (-18.2%) | 0.00 | 173 |
| 2019-11-01 | $76,200 (-15.3%) | $113,387 (-18.5%) | 0.00 | 169 |
| 2019-12-01 | $74,875 (-11.9%) | $108,394 (-18.3%) | 0.00 | 162 |
| 2020-01-01 | $74,500 (-6.8%) | $113,058 (-11.2%) | 0.00 | 141 |
| 2020-02-01 | $75,000 (7.9%) | $123,412 (4.3%) | 0.00 | 134 |
| 2020-03-01 | $93,475 (22.1%) | $133,376 (7.4%) | 0.00 | 122 |
| 2020-04-01 | $107,450 (24.9%) | $135,018 (1.3%) | 0.00 | 123 |
| 2020-05-01 | $114,640 (33.0%) | $135,417 (-0.8%) | 0.00 | 109 |
| 2020-06-01 | $115,960 (33.3%) | $136,380 (3.9%) | 0.00 | 90 |
| 2020-07-01 | $115,640 (46.1%) | $138,262 (12.7%) | 0.00 | 79 |
| 2020-08-01 | $116,280 (40.7%) | $141,371 (18.3%) | 0.00 | 89 |
| 2020-09-01 | $115,960 (48.0%) | $143,357 (23.8%) | 0.00 | 96 |
| 2020-10-01 | $116,280 (54.1%) | $149,069 (31.5%) | 0.00 | 102 |
| 2020-11-01 | $115,640 (51.8%) | $144,269 (27.2%) | 0.00 | 82 |
| 2020-12-01 | $115,960 (54.9%) | $140,526 (29.6%) | 0.00 | 75 |
| 2021-01-01 | $115,640 (55.2%) | $161,918 (43.2%) | 0.00 | 68 |
| 2021-02-01 | $99,875 (33.2%) | $162,881 (32.0%) | 0.00 | 60 |
| 2021-03-01 | $116,890 (25.1%) | $148,650 (11.5%) | 0.00 | 60 |
| 2021-04-01 | $114,390 (6.5%) | $138,372 (2.5%) | 0.00 | 58 |
| 2021-05-01 | $100,000 (-12.8%) | $144,364 (6.6%) | 0.00 | 51 |
| 2021-06-01 | $101,000 (-12.9%) | $140,782 (3.2%) | 0.00 | 81 |
| 2021-07-01 | $100,000 (-13.5%) | $140,927 (1.9%) | 0.00 | 75 |
| 2021-08-01 | $101,750 (-12.5%) | $142,950 (1.1%) | 0.00 | 59 |
| 2021-09-01 | $102,125 (-11.9%) | $144,133 (0.5%) | 0.00 | 64 |
| 2021-10-01 | $96,500 (-17.0%) | $165,057 (10.7%) | 0.00 | 58 |
| 2021-11-01 | $102,000 (-11.8%) | $166,817 (15.6%) | 0.00 | 60 |
| 2021-12-01 | $94,250 (-18.7%) | $165,963 (18.1%) | 0.00 | 70 |
| 2022-01-01 | $98,500 (-14.8%) | $164,018 (1.3%) | 0.00 | 77 |
| 2022-02-01 | $128,225 (28.4%) | $209,816 (28.8%) | 0.00 | 46 |
| 2022-03-01 | $116,900 (0.0%) | $213,076 (43.3%) | 0.00 | 39 |
| 2022-04-01 | $143,000 (25.0%) | $197,833 (43.0%) | 0.00 | 65 |
| 2022-05-01 | $175,000 (75.0%) | $219,417 (52.0%) | 0.00 | 66 |
| 2022-06-01 | $143,725 (42.3%) | $196,338 (39.5%) | 0.00 | 71 |
| 2022-07-01 | $145,000 (45.0%) | $206,521 (46.5%) | 0.00 | 80 |
| 2022-08-01 | $135,000 (32.7%) | $200,554 (40.3%) | 0.00 | 79 |
| 2022-09-01 | $128,000 (25.3%) | $195,955 (36.0%) | 0.00 | 76 |
| 2022-10-01 | $159,000 (64.8%) | $221,171 (34.0%) | 0.00 | 73 |
| 2022-11-01 | $160,750 (57.6%) | $241,501 (44.8%) | 0.00 | 74 |
| 2022-12-01 | $135,000 (43.2%) | $220,266 (32.7%) | 0.00 | 79 |
| 2023-01-01 | $157,000 (59.4%) | $243,084 (48.2%) | 0.00 | 68 |
| 2023-02-01 | $158,250 (23.4%) | $231,061 (10.1%) | 0.00 | 64 |
| 2023-03-01 | $147,475 (26.2%) | $226,211 (6.2%) | 0.00 | 46 |
| 2023-04-01 | $140,000 (-2.1%) | $236,815 (19.7%) | 0.00 | 49 |
| 2023-05-01 | $137,925 (-21.2%) | $191,492 (-12.7%) | 0.00 | 54 |
| 2023-06-01 | $175,500 (22.1%) | $245,474 (25.0%) | 0.00 | 64 |
| 2023-07-01 | $175,900 (21.3%) | $253,099 (22.6%) | 0.00 | 65 |
| 2023-08-01 | $192,000 (42.2%) | $251,106 (25.2%) | 0.00 | 63 |
| 2023-09-01 | $169,000 (32.0%) | $227,629 (16.2%) | 0.00 | 77 |
| 2023-10-01 | $146,000 (-8.2%) | $195,400 (-11.7%) | 0.00 | 78 |
| 2023-11-01 | $158,700 (-1.3%) | $185,305 (-23.3%) | 0.00 | 78 |
| 2023-12-01 | $181,000 (34.1%) | $210,235 (-4.6%) | 0.00 | 75 |
| 2024-01-01 | $180,950 (15.3%) | $222,399 (-8.5%) | 0.00 | 65 |
| 2024-02-01 | $194,500 (22.9%) | $242,471 (4.9%) | 0.00 | 66 |
| 2024-03-01 | $200,000 (35.6%) | $246,456 (9.0%) | 0.00 | 55 |
| 2024-04-01 | $233,625 (66.9%) | $265,456 (12.1%) | 0.00 | 56 |
| 2024-05-01 | $237,500 (72.2%) | $263,354 (37.5%) | 0.00 | 54 |
| 2024-06-01 | $219,000 (24.8%) | $239,859 (-2.3%) | 0.00 | 61 |
| 2024-07-01 | $168,500 (-4.2%) | $216,895 (-14.3%) | 0.00 | 78 |
| 2024-08-01 | $161,950 (-15.7%) | $201,215 (-19.9%) | 0.00 | 91 |
| 2024-09-01 | $160,999 (-4.7%) | $203,298 (-10.7%) | 0.00 | 104 |
| 2024-10-01 | $152,000 (4.1%) | $188,999 (-3.3%) | 0.00 | 111 |
| 2024-11-01 | $150,000 (-5.5%) | $198,821 (7.3%) | 0.00 | 108 |
Pittsburg's median listing price comes in at 0% of the national average.
Pittsburg's average listing price for 2024-11-01 was $198,821, a difference of $13,516 (7.3%) versus the prior year and $9,822 versus the prior month.
For the 2024-11-01 period, Pittsburg had 108 MLS listings, a difference of -3 listings (-3%) versus the prior month and 30 listings (38%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Pittsburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,359 sqft |
| 2018-02-01 | 0 days | 1,404 sqft |
| 2018-03-01 | 0 days | 1,450 sqft |
| 2018-04-01 | 0 days | 1,485 sqft |
| 2018-05-01 | 0 days | 1,521 sqft |
| 2018-06-01 | 0 days | 1,556 sqft |
| 2018-07-01 | 0 days | 1,559 sqft |
| 2018-08-01 | 0 days | 1,513 sqft |
| 2018-09-01 | 0 days | 1,508 sqft |
| 2018-10-01 | 0 days | 1,567 sqft |
| 2018-11-01 | 0 days | 1,564 sqft |
| 2018-12-01 | 0 days | 1,484 sqft |
| 2019-01-01 | 0 days | 1,427 sqft |
| 2019-02-01 | 0 days | 1,416 sqft |
| 2019-03-01 | 0 days | 1,400 sqft |
| 2019-04-01 | 0 days | 1,401 sqft |
| 2019-05-01 | 0 days | 1,440 sqft |
| 2019-06-01 | 0 days | 1,440 sqft |
| 2019-07-01 | 0 days | 1,432 sqft |
| 2019-08-01 | 0 days | 1,417 sqft |
| 2019-09-01 | 0 days | 1,381 sqft |
| 2019-10-01 | 0 days | 1,350 sqft |
| 2019-11-01 | 0 days | 1,344 sqft |
| 2019-12-01 | 0 days | 1,329 sqft |
| 2020-01-01 | 0 days | 1,337 sqft |
| 2020-02-01 | 0 days | 1,420 sqft |
| 2020-03-01 | 0 days | 1,444 sqft |
| 2020-04-01 | 0 days | 1,582 sqft |
| 2020-05-01 | 0 days | 1,554 sqft |
| 2020-06-01 | 0 days | 1,554 sqft |
| 2020-07-01 | 0 days | 1,673 sqft |
| 2020-08-01 | 0 days | 1,674 sqft |
| 2020-09-01 | 0 days | 1,540 sqft |
| 2020-10-01 | 0 days | 1,605 sqft |
| 2020-11-01 | 0 days | 1,494 sqft |
| 2020-12-01 | 0 days | 1,488 sqft |
| 2021-01-01 | 0 days | 1,450 sqft |
| 2021-02-01 | 0 days | 1,453 sqft |
| 2021-03-01 | 0 days | 1,506 sqft |
| 2021-04-01 | 0 days | 1,452 sqft |
| 2021-05-01 | 0 days | 1,456 sqft |
| 2021-06-01 | 0 days | 1,451 sqft |
| 2021-07-01 | 0 days | 1,388 sqft |
| 2021-08-01 | 0 days | 1,418 sqft |
| 2021-09-01 | 0 days | 1,448 sqft |
| 2021-10-01 | 0 days | 1,505 sqft |
| 2021-11-01 | 0 days | 1,448 sqft |
| 2021-12-01 | 0 days | 1,361 sqft |
| 2022-01-01 | 0 days | 1,305 sqft |
| 2022-02-01 | 0 days | 1,448 sqft |
| 2022-03-01 | 0 days | 1,448 sqft |
| 2022-04-01 | 0 days | 1,412 sqft |
| 2022-05-01 | 0 days | 1,452 sqft |
| 2022-06-01 | 0 days | 1,442 sqft |
| 2022-07-01 | 0 days | 1,459 sqft |
| 2022-08-01 | 0 days | 1,442 sqft |
| 2022-09-01 | 0 days | 1,442 sqft |
| 2022-10-01 | 0 days | 1,442 sqft |
| 2022-11-01 | 0 days | 1,442 sqft |
| 2022-12-01 | 0 days | 1,408 sqft |
| 2023-01-01 | 0 days | 1,442 sqft |
| 2023-02-01 | 0 days | 1,442 sqft |
| 2023-03-01 | 0 days | 1,420 sqft |
| 2023-04-01 | 0 days | 1,428 sqft |
| 2023-05-01 | 0 days | 1,414 sqft |
| 2023-06-01 | 0 days | 1,683 sqft |
| 2023-07-01 | 0 days | 1,731 sqft |
| 2023-08-01 | 0 days | 1,604 sqft |
| 2023-09-01 | 0 days | 1,439 sqft |
| 2023-10-01 | 0 days | 1,404 sqft |
| 2023-11-01 | 0 days | 1,413 sqft |
| 2023-12-01 | 0 days | 1,464 sqft |
| 2024-01-01 | 0 days | 1,461 sqft |
| 2024-02-01 | 0 days | 1,537 sqft |
| 2024-03-01 | 0 days | 1,616 sqft |
| 2024-04-01 | 0 days | 1,744 sqft |
| 2024-05-01 | 0 days | 1,741 sqft |
| 2024-06-01 | 0 days | 1,731 sqft |
| 2024-07-01 | 0 days | 1,680 sqft |
| 2024-08-01 | 0 days | 1,538 sqft |
| 2024-09-01 | 0 days | 1,536 sqft |
| 2024-10-01 | 0 days | 1,433 sqft |
| 2024-11-01 | 0 days | 1,444 sqft |
Pittsburg's median square footage for active listings during the 2024-11-01 period was 1,444 sqft. One year prior, the average listing was 1,413 sqft.