Poplar Bluff USDA Loan Rates, Closing Costs & Stats

Poplar Bluff, MO

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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.

    Poplar Bluff's 10 lenders originated 78 USDA loans during 2023. The total origination value was $9,870,000, with an average USDA loan value of $126,538.

    Poplar Bluff USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Poplar Bluff averaged 6.52% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Poplar Bluff's average USDA mortgage closing costs are $4,944.

    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 6.82%.

    The average rate one year ago was 6.72%.

    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.

    Poplar Bluff 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 Poplar Bluff level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Flanagan State Bank 33 6.53% $6,375
    DAS Acquisition Company, LLC 29 6.98% $6,254
    Southern Bank 4 6.69% $3,650
    PLANET HOME LENDING, LLC 3 6.29% $5,048
    Members Mortgage Services, L.L.C. 2 6.69% $4,879
    FLAT BRANCH MORTGAGE, INC. 2 7.00% $4,451
    GSF Mortgage Corporation 1 6.50% $4,057
    GERSHMAN INVESTMENT CORP. 1 7.25% $4,083
    BROKER SOLUTIONS, INC. 1 5.75% $11,678
    Mortgage Research Center, LLC 1 4.99% $3,177

    The top Poplar Bluff USDA lender as defined by loan originations is Flanagan State Bank, with 33 USDA loans originated. Their average total fees are $6,375, which is $121 higher than the next largest lender, DAS Acquisition Company, LLC.

    The lowest fee Poplar Bluff USDA lenders (with over 10 loans originated) are DAS Acquisition Company, LLC ($6,254), Flanagan State Bank ($6,375), .

    The lowest rate Poplar Bluff USDA lenders (with over 10 loans originated) are Flanagan State Bank (6.53%), DAS Acquisition Company, LLC (6.98%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Poplar Bluff (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 $126,425 (15.0%) $154,760 (5.6%) 0.00 238
    2018-02-01 $120,425 (12.9%) $149,863 (4.9%) 0.00 279
    2018-03-01 $120,950 (21.1%) $149,282 (8.4%) 0.00 288
    2018-04-01 $127,850 (28.0%) $154,714 (13.6%) 0.00 291
    2018-05-01 $129,900 (24.6%) $155,068 (20.0%) 0.00 284
    2018-06-01 $127,700 (9.7%) $152,006 (6.1%) 0.00 308
    2018-07-01 $119,850 (1.1%) $149,358 (1.6%) 0.00 311
    2018-08-01 $119,800 (1.2%) $149,408 (0.4%) 0.00 304
    2018-09-01 $119,900 (0.8%) $150,406 (-0.3%) 0.00 296
    2018-10-01 $119,850 (-1.4%) $155,777 (0.5%) 0.00 297
    2018-11-01 $119,150 (-7.9%) $160,748 (0.6%) 0.00 285
    2018-12-01 $118,500 (-8.8%) $164,018 (2.7%) 0.00 272
    2019-01-01 $119,900 (-5.2%) $161,339 (4.3%) 0.00 259
    2019-02-01 $122,200 (1.5%) $157,373 (5.0%) 0.00 268
    2019-03-01 $125,121 (3.5%) $153,880 (3.1%) 0.00 263
    2019-04-01 $126,425 (-1.1%) $154,278 (-0.3%) 0.00 254
    2019-05-01 $123,850 (-4.7%) $152,512 (-1.7%) 0.00 244
    2019-06-01 $128,375 (0.5%) $150,861 (-0.8%) 0.00 254
    2019-07-01 $124,900 (4.2%) $149,146 (-0.1%) 0.00 252
    2019-08-01 $128,091 (6.9%) $150,545 (0.8%) 0.00 241
    2019-09-01 $128,602 (7.3%) $151,858 (1.0%) 0.00 228
    2019-10-01 $129,000 (7.6%) $152,570 (-2.1%) 0.00 220
    2019-11-01 $129,900 (9.0%) $150,144 (-6.6%) 0.00 218
    2019-12-01 $126,725 (6.9%) $144,472 (-11.9%) 0.00 201
    2020-01-01 $128,450 (7.1%) $143,257 (-11.2%) 0.00 191
    2020-02-01 $129,900 (6.3%) $141,776 (-9.9%) 0.00 180
    2020-03-01 $129,600 (3.6%) $145,656 (-5.3%) 0.00 193
    2020-04-01 $123,650 (-2.2%) $140,868 (-8.7%) 0.00 192
    2020-05-01 $119,900 (-3.2%) $146,008 (-4.3%) 0.00 167
    2020-06-01 $123,025 (-4.2%) $152,468 (1.1%) 0.00 151
    2020-07-01 $123,625 (-1.0%) $157,152 (5.4%) 0.00 140
    2020-08-01 $129,000 (0.7%) $156,712 (4.1%) 0.00 130
    2020-09-01 $122,400 (-4.8%) $150,709 (-0.8%) 0.00 129
    2020-10-01 $119,500 (-7.4%) $148,337 (-2.8%) 0.00 122
    2020-11-01 $102,300 (-21.3%) $138,190 (-8.0%) 0.00 124
    2020-12-01 $96,900 (-23.5%) $135,242 (-6.4%) 0.00 120
    2021-01-01 $99,900 (-22.2%) $147,973 (3.3%) 0.00 95
    2021-02-01 $99,800 (-23.2%) $171,640 (21.1%) 0.00 87
    2021-03-01 $96,950 (-25.2%) $188,630 (29.5%) 0.00 85
    2021-04-01 $106,250 (-14.1%) $212,485 (50.8%) 0.00 74
    2021-05-01 $116,400 (-2.9%) $240,026 (64.4%) 0.00 58
    2021-06-01 $114,375 (-7.0%) $233,885 (53.4%) 0.00 60
    2021-07-01 $109,900 (-11.1%) $225,497 (43.5%) 0.00 76
    2021-08-01 $123,800 (-4.0%) $206,741 (31.9%) 0.00 79
    2021-09-01 $131,036 (7.1%) $197,717 (31.2%) 0.00 85
    2021-10-01 $124,950 (4.6%) $204,799 (38.1%) 0.00 82
    2021-11-01 $129,900 (27.0%) $194,243 (40.6%) 0.00 94
    2021-12-01 $129,600 (33.8%) $190,417 (40.8%) 0.00 96
    2022-01-01 $119,900 (20.0%) $180,433 (21.9%) 0.00 90
    2022-02-01 $127,950 (28.2%) $189,945 (10.7%) 0.00 73
    2022-03-01 $127,250 (31.3%) $198,149 (5.1%) 0.00 61
    2022-04-01 $129,900 (22.3%) $194,097 (-8.7%) 0.00 50
    2022-05-01 $145,200 (24.7%) $200,523 (-16.5%) 0.00 73
    2022-06-01 $150,500 (31.6%) $198,102 (-15.3%) 0.00 73
    2022-07-01 $157,500 (43.3%) $200,779 (-11.0%) 0.00 77
    2022-08-01 $169,900 (37.2%) $199,866 (-3.3%) 0.00 90
    2022-09-01 $172,300 (31.5%) $211,137 (6.8%) 0.00 97
    2022-10-01 $169,900 (36.0%) $208,026 (1.6%) 0.00 106
    2022-11-01 $179,225 (38.0%) $211,295 (8.8%) 0.00 101
    2022-12-01 $179,000 (38.1%) $208,826 (9.7%) 0.00 97
    2023-01-01 $181,750 (51.6%) $227,703 (26.2%) 0.00 93
    2023-02-01 $178,900 (39.8%) $217,789 (14.7%) 0.00 79
    2023-03-01 $175,175 (37.7%) $216,092 (9.1%) 0.00 83
    2023-04-01 $176,950 (36.2%) $216,655 (11.6%) 0.00 84
    2023-05-01 $174,800 (20.4%) $222,701 (11.1%) 0.00 90
    2023-06-01 $165,000 (9.6%) $218,022 (10.1%) 0.00 103
    2023-07-01 $162,250 (3.0%) $211,746 (5.5%) 0.00 111
    2023-08-01 $164,700 (-3.1%) $206,697 (3.4%) 0.00 106
    2023-09-01 $159,950 (-7.2%) $206,330 (-2.3%) 0.00 106
    2023-10-01 $176,700 (4.0%) $232,785 (11.9%) 0.00 121
    2023-11-01 $171,725 (-4.2%) $219,557 (3.9%) 0.00 124
    2023-12-01 $154,900 (-13.5%) $210,080 (0.6%) 0.00 147
    2024-01-01 $178,500 (-1.8%) $212,710 (-6.6%) 0.00 147
    2024-02-01 $179,975 (0.6%) $222,260 (2.1%) 0.00 138
    2024-03-01 $179,900 (2.7%) $218,116 (0.9%) 0.00 135
    2024-04-01 $189,900 (7.3%) $222,597 (2.7%) 0.00 129
    2024-05-01 $179,975 (3.0%) $209,880 (-5.8%) 0.00 138
    2024-06-01 $188,900 (14.5%) $214,540 (-1.6%) 0.00 131
    2024-07-01 $182,400 (12.4%) $215,204 (1.6%) 0.00 139
    2024-08-01 $187,400 (13.8%) $215,550 (4.3%) 0.00 137
    2024-09-01 $179,950 (12.5%) $218,174 (5.7%) 0.00 143
    2024-10-01 $179,975 (1.9%) $226,460 (-2.7%) 0.00 148
    2024-11-01 $189,900 (10.6%) $224,448 (2.2%) 0.00 154
    2024-12-01 $195,975 (26.5%) $226,480 (7.8%) 0.00 148
    2025-01-01 $199,900 (12.0%) $237,291 (11.6%) 0.00 135
    Poplar Bluff's median listing price for 2025-01-01 was $199,900, a difference of $21,400 (12.0%) versus the prior year and $3,925 versus the prior month.

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

    Poplar Bluff's average listing price for 2025-01-01 was $237,291, a difference of $24,581 (11.6%) versus the prior year and $10,811 versus the prior month.

    For the 2025-01-01 period, Poplar Bluff had 135 MLS listings, a difference of -13 listings (-9%) versus the prior month and -12 listings (-8%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Poplar Bluff (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,698 sqft
    2018-02-01 0 days 1,692 sqft
    2018-03-01 0 days 1,689 sqft
    2018-04-01 0 days 1,689 sqft
    2018-05-01 0 days 1,698 sqft
    2018-06-01 0 days 1,689 sqft
    2018-07-01 0 days 1,668 sqft
    2018-08-01 0 days 1,669 sqft
    2018-09-01 0 days 1,659 sqft
    2018-10-01 0 days 1,662 sqft
    2018-11-01 0 days 1,667 sqft
    2018-12-01 0 days 1,685 sqft
    2019-01-01 0 days 1,683 sqft
    2019-02-01 0 days 1,630 sqft
    2019-03-01 0 days 1,611 sqft
    2019-04-01 0 days 1,607 sqft
    2019-05-01 0 days 1,616 sqft
    2019-06-01 0 days 1,620 sqft
    2019-07-01 0 days 1,604 sqft
    2019-08-01 0 days 1,609 sqft
    2019-09-01 0 days 1,616 sqft
    2019-10-01 0 days 1,612 sqft
    2019-11-01 0 days 1,580 sqft
    2019-12-01 0 days 1,598 sqft
    2020-01-01 0 days 1,605 sqft
    2020-02-01 0 days 1,608 sqft
    2020-03-01 0 days 1,616 sqft
    2020-04-01 0 days 1,591 sqft
    2020-05-01 0 days 1,582 sqft
    2020-06-01 0 days 1,606 sqft
    2020-07-01 0 days 1,667 sqft
    2020-08-01 0 days 1,638 sqft
    2020-09-01 0 days 1,545 sqft
    2020-10-01 0 days 1,594 sqft
    2020-11-01 0 days 1,529 sqft
    2020-12-01 0 days 1,425 sqft
    2021-01-01 0 days 1,427 sqft
    2021-02-01 0 days 1,395 sqft
    2021-03-01 0 days 1,341 sqft
    2021-04-01 0 days 1,349 sqft
    2021-05-01 0 days 1,383 sqft
    2021-06-01 0 days 1,431 sqft
    2021-07-01 0 days 1,396 sqft
    2021-08-01 0 days 1,415 sqft
    2021-09-01 0 days 1,530 sqft
    2021-10-01 0 days 1,535 sqft
    2021-11-01 0 days 1,506 sqft
    2021-12-01 0 days 1,530 sqft
    2022-01-01 0 days 1,487 sqft
    2022-02-01 0 days 1,558 sqft
    2022-03-01 0 days 1,505 sqft
    2022-04-01 0 days 1,563 sqft
    2022-05-01 0 days 1,624 sqft
    2022-06-01 0 days 1,675 sqft
    2022-07-01 0 days 1,638 sqft
    2022-08-01 0 days 1,748 sqft
    2022-09-01 0 days 1,716 sqft
    2022-10-01 0 days 1,619 sqft
    2022-11-01 0 days 1,610 sqft
    2022-12-01 0 days 1,610 sqft
    2023-01-01 0 days 1,630 sqft
    2023-02-01 0 days 1,563 sqft
    2023-03-01 0 days 1,530 sqft
    2023-04-01 0 days 1,600 sqft
    2023-05-01 0 days 1,574 sqft
    2023-06-01 0 days 1,544 sqft
    2023-07-01 0 days 1,524 sqft
    2023-08-01 0 days 1,542 sqft
    2023-09-01 0 days 1,507 sqft
    2023-10-01 0 days 1,673 sqft
    2023-11-01 0 days 1,586 sqft
    2023-12-01 0 days 1,529 sqft
    2024-01-01 0 days 1,557 sqft
    2024-02-01 0 days 1,609 sqft
    2024-03-01 0 days 1,674 sqft
    2024-04-01 0 days 1,654 sqft
    2024-05-01 0 days 1,571 sqft
    2024-06-01 0 days 1,584 sqft
    2024-07-01 0 days 1,668 sqft
    2024-08-01 0 days 1,577 sqft
    2024-09-01 0 days 1,565 sqft
    2024-10-01 0 days 1,683 sqft
    2024-11-01 0 days 1,683 sqft
    2024-12-01 0 days 1,706 sqft
    2025-01-01 0 days 1,646 sqft
    Poplar Bluff's median listing age (time on market) for 2025-01-01 was 0 days.

    Poplar Bluff's median square footage for active listings during the 2025-01-01 period was 1,646 sqft. One year prior, the average listing was 1,557 sqft.