Plattsburgh USDA Loan Rates, Closing Costs & Stats
Plattsburgh, NY
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.
Plattsburgh's 4 lenders originated 6 USDA loans during 2023. The total origination value was $660,000, with an average USDA loan value of $110,000.
Plattsburgh USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Plattsburgh
averaged
6.42%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Plattsburgh's average USDA mortgage closing costs are $4,398.
The average rate for the prior week (2025-02-07) was
6.48% and
one month ago for the week of 2025-01-10, the
average rate was 6.62%.
The average rate one year ago was 6.41%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.43%.
Plattsburgh 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 Plattsburgh level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| PLAZA HOME MORTGAGE, INC. | 2 | 7.37% | $7,963 |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | 7.75% | $6,833 |
| Community Bank | 1 | 7.88% | $3,017 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 7.25% | $6,318 |
The top Plattsburgh USDA lender as defined by loan originations is PLAZA HOME MORTGAGE, INC., with
2 USDA loans originated. Their average total fees are
$7,963, which is $1,129
higher than the next largest lender,
ABSOLUTE HOME MORTGAGE CORPORATION.
The lowest fee Plattsburgh USDA lenders (with over 10 loans originated) are
.
The lowest rate Plattsburgh USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Plattsburgh (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 | $138,675 (-11.9%) | $201,199 (-2.2%) | 0.00 | 231 |
| 2018-02-01 | $139,900 (-7.2%) | $206,617 (1.7%) | 0.00 | 224 |
| 2018-03-01 | $154,900 (3.4%) | $219,828 (9.4%) | 0.00 | 221 |
| 2018-04-01 | $161,875 (8.6%) | $233,205 (11.6%) | 0.00 | 234 |
| 2018-05-01 | $169,925 (12.1%) | $241,253 (7.7%) | 0.00 | 250 |
| 2018-06-01 | $172,400 (6.1%) | $242,173 (5.7%) | 0.00 | 280 |
| 2018-07-01 | $179,900 (12.5%) | $245,225 (9.4%) | 0.00 | 288 |
| 2018-08-01 | $179,925 (12.5%) | $245,997 (9.0%) | 0.00 | 285 |
| 2018-09-01 | $175,000 (9.7%) | $241,870 (11.1%) | 0.00 | 269 |
| 2018-10-01 | $166,000 (4.2%) | $238,755 (12.8%) | 0.00 | 263 |
| 2018-11-01 | $172,325 (18.9%) | $239,035 (16.7%) | 0.00 | 237 |
| 2018-12-01 | $159,900 (14.3%) | $219,611 (9.1%) | 0.00 | 208 |
| 2019-01-01 | $156,569 (12.9%) | $220,041 (9.4%) | 0.00 | 181 |
| 2019-02-01 | $159,900 (14.3%) | $221,689 (7.3%) | 0.00 | 174 |
| 2019-03-01 | $159,943 (3.3%) | $223,398 (1.6%) | 0.00 | 170 |
| 2019-04-01 | $160,000 (-1.2%) | $224,539 (-3.7%) | 0.00 | 168 |
| 2019-05-01 | $169,950 (0.0%) | $226,101 (-6.3%) | 0.00 | 197 |
| 2019-06-01 | $169,900 (-1.5%) | $228,621 (-5.6%) | 0.00 | 238 |
| 2019-07-01 | $189,000 (5.1%) | $239,961 (-2.2%) | 0.00 | 269 |
| 2019-08-01 | $188,209 (4.6%) | $234,857 (-4.5%) | 0.00 | 278 |
| 2019-09-01 | $186,348 (6.5%) | $233,584 (-3.4%) | 0.00 | 273 |
| 2019-10-01 | $184,900 (11.4%) | $232,735 (-2.5%) | 0.00 | 260 |
| 2019-11-01 | $169,900 (-1.4%) | $231,188 (-3.3%) | 0.00 | 234 |
| 2019-12-01 | $167,450 (4.7%) | $234,959 (7.0%) | 0.00 | 194 |
| 2020-01-01 | $154,375 (-1.4%) | $218,555 (-0.7%) | 0.00 | 171 |
| 2020-02-01 | $159,450 (-0.3%) | $226,183 (2.0%) | 0.00 | 157 |
| 2020-03-01 | $189,675 (18.6%) | $241,560 (8.1%) | 0.00 | 169 |
| 2020-04-01 | $192,175 (20.1%) | $242,578 (8.0%) | 0.00 | 172 |
| 2020-05-01 | $189,000 (11.2%) | $247,938 (9.7%) | 0.00 | 152 |
| 2020-06-01 | $189,450 (11.5%) | $244,837 (7.1%) | 0.00 | 160 |
| 2020-07-01 | $200,000 (5.8%) | $260,767 (8.7%) | 0.00 | 166 |
| 2020-08-01 | $205,000 (8.9%) | $269,342 (14.7%) | 0.00 | 165 |
| 2020-09-01 | $202,450 (8.6%) | $269,743 (15.5%) | 0.00 | 172 |
| 2020-10-01 | $190,950 (3.3%) | $262,285 (12.7%) | 0.00 | 166 |
| 2020-11-01 | $192,175 (13.1%) | $261,992 (13.3%) | 0.00 | 163 |
| 2020-12-01 | $194,225 (16.0%) | $260,107 (10.7%) | 0.00 | 150 |
| 2021-01-01 | $189,000 (22.4%) | $251,708 (15.2%) | 0.00 | 133 |
| 2021-02-01 | $172,500 (8.2%) | $238,214 (5.3%) | 0.00 | 119 |
| 2021-03-01 | $200,125 (5.5%) | $263,549 (9.1%) | 0.00 | 94 |
| 2021-04-01 | $225,750 (17.5%) | $285,342 (17.6%) | 0.00 | 86 |
| 2021-05-01 | $239,000 (26.5%) | $292,609 (18.0%) | 0.00 | 86 |
| 2021-06-01 | $249,900 (31.9%) | $292,594 (19.5%) | 0.00 | 105 |
| 2021-07-01 | $230,000 (15.0%) | $277,144 (6.3%) | 0.00 | 110 |
| 2021-08-01 | $232,425 (13.4%) | $263,006 (-2.4%) | 0.00 | 106 |
| 2021-09-01 | $222,906 (10.1%) | $244,814 (-9.2%) | 0.00 | 102 |
| 2021-10-01 | $204,975 (7.3%) | $260,171 (-0.8%) | 0.00 | 102 |
| 2021-11-01 | $189,975 (-1.2%) | $234,987 (-10.3%) | 0.00 | 101 |
| 2021-12-01 | $189,925 (-2.2%) | $224,896 (-13.5%) | 0.00 | 89 |
| 2022-01-01 | $182,950 (-3.2%) | $212,545 (-15.6%) | 0.00 | 90 |
| 2022-02-01 | $191,700 (11.1%) | $214,981 (-9.8%) | 0.00 | 71 |
| 2022-03-01 | $188,450 (-5.8%) | $209,525 (-20.5%) | 0.00 | 67 |
| 2022-04-01 | $178,000 (-21.2%) | $209,370 (-26.6%) | 0.00 | 65 |
| 2022-05-01 | $202,100 (-15.4%) | $247,623 (-15.4%) | 0.00 | 82 |
| 2022-06-01 | $220,181 (-11.9%) | $261,844 (-10.5%) | 0.00 | 114 |
| 2022-07-01 | $223,725 (-2.7%) | $266,831 (-3.7%) | 0.00 | 128 |
| 2022-08-01 | $223,313 (-3.9%) | $276,650 (5.2%) | 0.00 | 121 |
| 2022-09-01 | $201,200 (-9.7%) | $273,948 (11.9%) | 0.00 | 111 |
| 2022-10-01 | $204,500 (-0.2%) | $264,184 (1.5%) | 0.00 | 111 |
| 2022-11-01 | $184,950 (-2.6%) | $245,538 (4.5%) | 0.00 | 101 |
| 2022-12-01 | $174,900 (-7.9%) | $222,916 (-0.9%) | 0.00 | 90 |
| 2023-01-01 | $182,498 (-0.3%) | $225,298 (6.0%) | 0.00 | 89 |
| 2023-02-01 | $182,425 (-4.8%) | $230,622 (7.3%) | 0.00 | 89 |
| 2023-03-01 | $219,306 (16.4%) | $255,944 (22.2%) | 0.00 | 83 |
| 2023-04-01 | $237,500 (33.4%) | $271,604 (29.7%) | 0.00 | 78 |
| 2023-05-01 | $238,900 (18.2%) | $297,915 (20.3%) | 0.00 | 91 |
| 2023-06-01 | $249,000 (13.1%) | $299,077 (14.2%) | 0.00 | 101 |
| 2023-07-01 | $235,000 (5.0%) | $289,170 (8.4%) | 0.00 | 120 |
| 2023-08-01 | $226,900 (1.6%) | $289,084 (4.5%) | 0.00 | 125 |
| 2023-09-01 | $225,000 (11.8%) | $276,695 (1.0%) | 0.00 | 120 |
| 2023-10-01 | $238,675 (16.7%) | $284,636 (7.7%) | 0.00 | 132 |
| 2023-11-01 | $239,925 (29.7%) | $286,591 (16.7%) | 0.00 | 116 |
| 2023-12-01 | $245,000 (40.1%) | $302,758 (35.8%) | 0.00 | 111 |
| 2024-01-01 | $239,950 (31.5%) | $297,744 (32.2%) | 0.00 | 100 |
| 2024-02-01 | $248,950 (36.5%) | $302,437 (31.1%) | 0.00 | 95 |
| 2024-03-01 | $269,950 (23.1%) | $303,079 (18.4%) | 0.00 | 88 |
| 2024-04-01 | $261,075 (9.9%) | $297,693 (9.6%) | 0.00 | 89 |
| 2024-05-01 | $261,000 (9.3%) | $299,196 (0.4%) | 0.00 | 94 |
| 2024-06-01 | $249,900 (0.4%) | $314,251 (5.1%) | 0.00 | 113 |
| 2024-07-01 | $247,450 (5.3%) | $313,084 (8.3%) | 0.00 | 129 |
| 2024-08-01 | $239,000 (5.3%) | $297,958 (3.1%) | 0.00 | 148 |
| 2024-09-01 | $231,875 (3.1%) | $307,411 (11.1%) | 0.00 | 149 |
| 2024-10-01 | $229,250 (-4.0%) | $311,725 (9.5%) | 0.00 | 149 |
| 2024-11-01 | $225,000 (-6.2%) | $284,883 (-0.6%) | 0.00 | 149 |
| 2024-12-01 | $220,500 (-10.0%) | $283,695 (-6.3%) | 0.00 | 138 |
| 2025-01-01 | $211,225 (-12.0%) | $252,366 (-15.2%) | 0.00 | 111 |
Plattsburgh's median listing price comes in at 0% of the national average.
Plattsburgh's average listing price for 2025-01-01 was $252,366, a difference of $-45,378 (-15.2%) versus the prior year and $-31,329 versus the prior month.
For the 2025-01-01 period, Plattsburgh had 111 MLS listings, a difference of -27 listings (-20%) versus the prior month and 11 listings (11%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Plattsburgh (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,620 sqft |
| 2018-02-01 | 0 days | 1,625 sqft |
| 2018-03-01 | 0 days | 1,639 sqft |
| 2018-04-01 | 0 days | 1,690 sqft |
| 2018-05-01 | 0 days | 1,704 sqft |
| 2018-06-01 | 0 days | 1,732 sqft |
| 2018-07-01 | 0 days | 1,755 sqft |
| 2018-08-01 | 0 days | 1,747 sqft |
| 2018-09-01 | 0 days | 1,745 sqft |
| 2018-10-01 | 0 days | 1,742 sqft |
| 2018-11-01 | 0 days | 1,780 sqft |
| 2018-12-01 | 0 days | 1,744 sqft |
| 2019-01-01 | 0 days | 1,743 sqft |
| 2019-02-01 | 0 days | 1,714 sqft |
| 2019-03-01 | 0 days | 1,725 sqft |
| 2019-04-01 | 0 days | 1,725 sqft |
| 2019-05-01 | 0 days | 1,713 sqft |
| 2019-06-01 | 0 days | 1,658 sqft |
| 2019-07-01 | 0 days | 1,708 sqft |
| 2019-08-01 | 0 days | 1,712 sqft |
| 2019-09-01 | 0 days | 1,708 sqft |
| 2019-10-01 | 0 days | 1,705 sqft |
| 2019-11-01 | 0 days | 1,700 sqft |
| 2019-12-01 | 0 days | 1,701 sqft |
| 2020-01-01 | 0 days | 1,644 sqft |
| 2020-02-01 | 0 days | 1,652 sqft |
| 2020-03-01 | 0 days | 1,800 sqft |
| 2020-04-01 | 0 days | 1,821 sqft |
| 2020-05-01 | 0 days | 1,782 sqft |
| 2020-06-01 | 0 days | 1,736 sqft |
| 2020-07-01 | 0 days | 1,740 sqft |
| 2020-08-01 | 0 days | 1,773 sqft |
| 2020-09-01 | 0 days | 1,747 sqft |
| 2020-10-01 | 0 days | 1,712 sqft |
| 2020-11-01 | 0 days | 1,749 sqft |
| 2020-12-01 | 0 days | 1,742 sqft |
| 2021-01-01 | 0 days | 1,669 sqft |
| 2021-02-01 | 0 days | 1,683 sqft |
| 2021-03-01 | 0 days | 1,726 sqft |
| 2021-04-01 | 0 days | 1,818 sqft |
| 2021-05-01 | 0 days | 1,887 sqft |
| 2021-06-01 | 0 days | 1,801 sqft |
| 2021-07-01 | 0 days | 1,815 sqft |
| 2021-08-01 | 0 days | 1,779 sqft |
| 2021-09-01 | 0 days | 1,798 sqft |
| 2021-10-01 | 0 days | 1,728 sqft |
| 2021-11-01 | 0 days | 1,670 sqft |
| 2021-12-01 | 0 days | 1,670 sqft |
| 2022-01-01 | 0 days | 1,666 sqft |
| 2022-02-01 | 0 days | 1,672 sqft |
| 2022-03-01 | 0 days | 1,615 sqft |
| 2022-04-01 | 0 days | 1,536 sqft |
| 2022-05-01 | 0 days | 1,558 sqft |
| 2022-06-01 | 0 days | 1,634 sqft |
| 2022-07-01 | 0 days | 1,699 sqft |
| 2022-08-01 | 0 days | 1,715 sqft |
| 2022-09-01 | 0 days | 1,659 sqft |
| 2022-10-01 | 0 days | 1,614 sqft |
| 2022-11-01 | 0 days | 1,633 sqft |
| 2022-12-01 | 0 days | 1,554 sqft |
| 2023-01-01 | 0 days | 1,563 sqft |
| 2023-02-01 | 0 days | 1,577 sqft |
| 2023-03-01 | 0 days | 1,713 sqft |
| 2023-04-01 | 0 days | 1,708 sqft |
| 2023-05-01 | 0 days | 1,780 sqft |
| 2023-06-01 | 0 days | 1,835 sqft |
| 2023-07-01 | 0 days | 1,835 sqft |
| 2023-08-01 | 0 days | 1,676 sqft |
| 2023-09-01 | 0 days | 1,609 sqft |
| 2023-10-01 | 0 days | 1,715 sqft |
| 2023-11-01 | 0 days | 1,748 sqft |
| 2023-12-01 | 0 days | 1,800 sqft |
| 2024-01-01 | 0 days | 1,790 sqft |
| 2024-02-01 | 0 days | 1,637 sqft |
| 2024-03-01 | 0 days | 1,684 sqft |
| 2024-04-01 | 0 days | 1,730 sqft |
| 2024-05-01 | 0 days | 1,772 sqft |
| 2024-06-01 | 0 days | 1,647 sqft |
| 2024-07-01 | 0 days | 1,651 sqft |
| 2024-08-01 | 0 days | 1,648 sqft |
| 2024-09-01 | 0 days | 1,702 sqft |
| 2024-10-01 | 0 days | 1,684 sqft |
| 2024-11-01 | 0 days | 1,576 sqft |
| 2024-12-01 | 0 days | 1,582 sqft |
| 2025-01-01 | 0 days | 1,595 sqft |
Plattsburgh's median square footage for active listings during the 2025-01-01 period was 1,595 sqft. One year prior, the average listing was 1,790 sqft.