Pottsville USDA Loan Rates, Closing Costs & Stats
Pottsville, PA
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.
Pottsville's 12 lenders originated 27 USDA loans during 2024. The total origination value was $3,805,000, with an average USDA loan value of $140,926.
Pottsville USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Pottsville
averaged
6.92%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Pottsville's average USDA mortgage closing costs are $4,960.
The average rate for the prior week (2025-05-16) was
6.65% and
one month ago for the week of 2025-04-18, the
average rate was 6.64%.
The average rate one year ago was 7.1%.
For refis of the same type during the week of 2025-05-23, the average rate
was 7.18%.
Pottsville 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 Pottsville level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| Mortgage America, Inc. | 8 | 6.06% | $5,693 |
| CROSSCOUNTRY MORTGAGE, LLC | 4 | 6.66% | $6,466 |
| CMG MORTGAGE, INC. | 2 | 6.56% | $7,973 |
| BAYSHORE MORTGAGE FUNDING, LLC | 2 | 7.00% | $8,748 |
| Homesale Mortgage, LLC | 1 | 7.13% | $5,183 |
| HOMESIDE FINANCIAL, LLC | 1 | 6.38% | $6,880 |
| MICHIGAN MUTUAL, INC. | 1 | 6.75% | $5,310 |
| MORTGAGE ACCESS CORP. | 1 | 5.75% | $11,050 |
| PLAZA HOME MORTGAGE, INC. | 1 | 7.25% | $4,722 |
| CONTOUR MORTGAGE CORPORATION | 1 | 6.63% | $6,451 |
| East Coast Capital Corp. | 1 | 7.63% | $10,838 |
| FREEDOM MORTGAGE CORPORATION | 1 | 7.63% | $10,838 |
The top Pottsville USDA lender as defined by loan originations is Mortgage America, Inc., with
8 USDA loans originated. Their average total fees are
$5,693, which is $773
lower than the next largest lender,
CROSSCOUNTRY MORTGAGE, LLC.
The lowest fee Pottsville USDA lenders (with over 10 loans originated) are
.
The lowest rate Pottsville USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Pottsville (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 | $73,550 (-3.2%) | $127,878 (4.3%) | 0.27 | 509 |
| 2018-02-01 | $74,950 (-3.7%) | $130,643 (6.0%) | 0.27 | 523 |
| 2018-03-01 | $79,900 (0.9%) | $133,339 (-2.7%) | 0.28 | 478 |
| 2018-04-01 | $75,000 (-6.1%) | $136,170 (-3.7%) | 0.25 | 486 |
| 2018-05-01 | $77,800 (0.5%) | $137,026 (-1.1%) | 0.26 | 486 |
| 2018-06-01 | $75,000 (-2.7%) | $136,971 (3.9%) | 0.25 | 518 |
| 2018-07-01 | $77,200 (-2.3%) | $138,098 (7.7%) | 0.26 | 522 |
| 2018-08-01 | $75,000 (0.0%) | $136,738 (9.3%) | 0.25 | 521 |
| 2018-09-01 | $77,900 (11.4%) | $139,481 (12.2%) | 0.26 | 545 |
| 2018-10-01 | $77,400 (7.6%) | $139,496 (10.3%) | 0.26 | 547 |
| 2018-11-01 | $78,888 (12.8%) | $138,029 (11.0%) | 0.27 | 525 |
| 2018-12-01 | $77,500 (10.9%) | $136,818 (9.3%) | 0.27 | 487 |
| 2019-01-01 | $80,000 (8.8%) | $138,580 (8.4%) | 0.28 | 448 |
| 2019-02-01 | $75,000 (0.1%) | $137,365 (5.2%) | 0.25 | 426 |
| 2019-03-01 | $77,143 (-3.5%) | $143,765 (7.8%) | 0.25 | 428 |
| 2019-04-01 | $79,643 (6.2%) | $151,479 (11.2%) | 0.25 | 451 |
| 2019-05-01 | $79,950 (2.8%) | $151,689 (10.7%) | 0.25 | 470 |
| 2019-06-01 | $84,900 (13.2%) | $150,345 (9.8%) | 0.27 | 498 |
| 2019-07-01 | $84,950 (10.0%) | $154,570 (11.9%) | 0.27 | 511 |
| 2019-08-01 | $88,327 (17.8%) | $160,138 (17.1%) | 0.28 | 482 |
| 2019-09-01 | $93,768 (20.4%) | $168,478 (20.8%) | 0.30 | 444 |
| 2019-10-01 | $97,475 (25.9%) | $175,671 (25.9%) | 0.31 | 409 |
| 2019-11-01 | $99,900 (26.6%) | $174,263 (26.3%) | 0.33 | 369 |
| 2019-12-01 | $104,675 (35.1%) | $167,084 (22.1%) | 0.35 | 357 |
| 2020-01-01 | $109,900 (37.4%) | $164,982 (19.1%) | 0.37 | 311 |
| 2020-02-01 | $102,450 (36.6%) | $162,025 (18.0%) | 0.34 | 276 |
| 2020-03-01 | $120,113 (55.7%) | $166,756 (16.0%) | 0.38 | 267 |
| 2020-04-01 | $115,450 (45.0%) | $169,730 (12.1%) | 0.36 | 242 |
| 2020-05-01 | $117,900 (47.5%) | $171,842 (13.3%) | 0.36 | 251 |
| 2020-06-01 | $113,700 (33.9%) | $183,429 (22.0%) | 0.34 | 240 |
| 2020-07-01 | $113,325 (33.4%) | $188,793 (22.1%) | 0.33 | 212 |
| 2020-08-01 | $119,900 (35.8%) | $194,270 (21.3%) | 0.34 | 185 |
| 2020-09-01 | $117,425 (25.2%) | $209,713 (24.5%) | 0.34 | 176 |
| 2020-10-01 | $129,950 (33.3%) | $226,730 (29.1%) | 0.37 | 176 |
| 2020-11-01 | $124,500 (24.6%) | $238,020 (36.6%) | 0.36 | 173 |
| 2020-12-01 | $119,950 (14.6%) | $245,447 (46.9%) | 0.36 | 159 |
| 2021-01-01 | $118,000 (7.4%) | $247,040 (49.7%) | 0.35 | 143 |
| 2021-02-01 | $118,000 (15.2%) | $239,400 (47.8%) | 0.34 | 104 |
| 2021-03-01 | $117,225 (-2.4%) | $235,375 (41.2%) | 0.33 | 99 |
| 2021-04-01 | $132,000 (14.3%) | $269,890 (59.0%) | 0.36 | 92 |
| 2021-05-01 | $131,950 (11.9%) | $265,695 (54.6%) | 0.35 | 92 |
| 2021-06-01 | $102,500 (-9.9%) | $219,289 (19.6%) | 0.27 | 158 |
| 2021-07-01 | $117,450 (3.6%) | $213,856 (13.3%) | 0.31 | 169 |
| 2021-08-01 | $119,950 (0.0%) | $181,695 (-6.5%) | 0.32 | 181 |
| 2021-09-01 | $118,075 (0.6%) | $176,652 (-15.8%) | 0.31 | 186 |
| 2021-10-01 | $102,000 (-21.5%) | $178,278 (-21.4%) | 0.27 | 179 |
| 2021-11-01 | $95,975 (-22.9%) | $166,942 (-29.9%) | 0.26 | 184 |
| 2021-12-01 | $107,975 (-10.0%) | $169,846 (-30.8%) | 0.29 | 181 |
| 2022-01-01 | $99,500 (-15.7%) | $163,962 (-33.6%) | 0.27 | 165 |
| 2022-02-01 | $102,425 (-13.2%) | $162,803 (-32.0%) | 0.27 | 168 |
| 2022-03-01 | $125,325 (6.9%) | $166,674 (-29.2%) | 0.31 | 159 |
| 2022-04-01 | $129,900 (-1.6%) | $170,938 (-36.7%) | 0.31 | 155 |
| 2022-05-01 | $136,000 (3.1%) | $174,718 (-34.2%) | 0.31 | 165 |
| 2022-06-01 | $137,225 (33.9%) | $188,615 (-14.0%) | 0.31 | 205 |
| 2022-07-01 | $129,900 (10.6%) | $185,723 (-13.2%) | 0.29 | 243 |
| 2022-08-01 | $134,925 (12.5%) | $181,927 (0.1%) | 0.31 | 255 |
| 2022-09-01 | $129,950 (10.1%) | $180,435 (2.1%) | 0.30 | 240 |
| 2022-10-01 | $129,900 (27.4%) | $179,792 (0.9%) | 0.31 | 244 |
| 2022-11-01 | $124,400 (29.6%) | $180,684 (8.2%) | 0.30 | 235 |
| 2022-12-01 | $125,000 (15.8%) | $191,729 (12.9%) | 0.31 | 215 |
| 2023-01-01 | $125,000 (25.6%) | $192,928 (17.7%) | 0.31 | 202 |
| 2023-02-01 | $124,975 (22.0%) | $195,395 (20.0%) | 0.30 | 192 |
| 2023-03-01 | $127,225 (1.5%) | $197,174 (18.3%) | 0.30 | 169 |
| 2023-04-01 | $121,500 (-6.5%) | $188,122 (10.1%) | 0.28 | 156 |
| 2023-05-01 | $125,000 (-8.1%) | $188,309 (7.8%) | 0.28 | 159 |
| 2023-06-01 | $115,000 (-16.2%) | $181,827 (-3.6%) | 0.26 | 176 |
| 2023-07-01 | $125,000 (-3.8%) | $195,430 (5.2%) | 0.28 | 183 |
| 2023-08-01 | $124,950 (-7.4%) | $187,343 (3.0%) | 0.29 | 200 |
| 2023-09-01 | $120,000 (-7.7%) | $183,624 (1.8%) | 0.28 | 219 |
| 2023-10-01 | $119,950 (-7.7%) | $181,789 (1.1%) | 0.28 | 239 |
| 2023-11-01 | $123,675 (-0.6%) | $186,533 (3.2%) | 0.29 | 248 |
| 2023-12-01 | $129,000 (3.2%) | $186,427 (-2.8%) | 0.31 | 238 |
| 2024-01-01 | $137,500 (10.0%) | $188,786 (-2.2%) | 0.34 | 215 |
| 2024-02-01 | $139,000 (11.2%) | $187,568 (-4.0%) | 0.33 | 186 |
| 2024-03-01 | $149,000 (17.1%) | $195,492 (-0.9%) | 0.35 | 186 |
| 2024-04-01 | $147,925 (21.8%) | $207,128 (10.1%) | 0.34 | 193 |
| 2024-05-01 | $149,950 (20.0%) | $210,390 (11.7%) | 0.34 | 203 |
| 2024-06-01 | $150,000 (30.4%) | $214,126 (17.8%) | 0.34 | 219 |
| 2024-07-01 | $169,450 (35.6%) | $234,908 (20.2%) | 0.39 | 273 |
| 2024-08-01 | $169,000 (35.3%) | $241,784 (29.1%) | 0.39 | 290 |
| 2024-09-01 | $159,900 (33.3%) | $236,965 (29.1%) | 0.38 | 325 |
| 2024-10-01 | $166,975 (39.2%) | $241,148 (32.7%) | 0.39 | 314 |
| 2024-11-01 | $160,000 (29.4%) | $232,230 (24.5%) | 0.38 | 330 |
| 2024-12-01 | $154,950 (20.1%) | $227,965 (22.3%) | 0.39 | 312 |
| 2025-01-01 | $149,925 (9.0%) | $223,789 (18.5%) | 0.37 | 275 |
| 2025-02-01 | $147,000 (5.8%) | $227,800 (21.5%) | 0.36 | 264 |
| 2025-03-01 | $140,000 (-6.0%) | $220,701 (12.9%) | 0.33 | 255 |
| 2025-04-01 | $149,925 (1.4%) | $214,659 (3.6%) | 0.35 | 251 |
Pottsville's median listing price comes in at 35% of the national average.
Pottsville's average listing price for 2025-04-01 was $214,659, a difference of $7,531 (3.6%) versus the prior year and $-6,042 versus the prior month.
For the 2025-04-01 period, Pottsville had 251 MLS listings, a difference of -4 listings (-2%) versus the prior month and 58 listings (30%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Pottsville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 107 days | 1,551 sqft |
| 2018-02-01 | 106 days | 1,579 sqft |
| 2018-03-01 | 101 days | 1,600 sqft |
| 2018-04-01 | 90 days | 1,584 sqft |
| 2018-05-01 | 82 days | 1,586 sqft |
| 2018-06-01 | 64 days | 1,657 sqft |
| 2018-07-01 | 64 days | 1,631 sqft |
| 2018-08-01 | 70 days | 1,627 sqft |
| 2018-09-01 | 74 days | 1,636 sqft |
| 2018-10-01 | 76 days | 1,652 sqft |
| 2018-11-01 | 80 days | 1,630 sqft |
| 2018-12-01 | 93 days | 1,657 sqft |
| 2019-01-01 | 101 days | 1,662 sqft |
| 2019-02-01 | 104 days | 1,655 sqft |
| 2019-03-01 | 89 days | 1,658 sqft |
| 2019-04-01 | 66 days | 1,665 sqft |
| 2019-05-01 | 61 days | 1,668 sqft |
| 2019-06-01 | 68 days | 1,668 sqft |
| 2019-07-01 | 71 days | 1,694 sqft |
| 2019-08-01 | 70 days | 1,694 sqft |
| 2019-09-01 | 67 days | 1,692 sqft |
| 2019-10-01 | 67 days | 1,690 sqft |
| 2019-11-01 | 68 days | 1,713 sqft |
| 2019-12-01 | 83 days | 1,701 sqft |
| 2020-01-01 | 90 days | 1,690 sqft |
| 2020-02-01 | 101 days | 1,694 sqft |
| 2020-03-01 | 70 days | 1,800 sqft |
| 2020-04-01 | 78 days | 1,808 sqft |
| 2020-05-01 | 80 days | 1,819 sqft |
| 2020-06-01 | 53 days | 1,758 sqft |
| 2020-07-01 | 41 days | 1,739 sqft |
| 2020-08-01 | 51 days | 1,715 sqft |
| 2020-09-01 | 40 days | 1,656 sqft |
| 2020-10-01 | 44 days | 1,744 sqft |
| 2020-11-01 | 47 days | 1,650 sqft |
| 2020-12-01 | 61 days | 1,614 sqft |
| 2021-01-01 | 71 days | 1,622 sqft |
| 2021-02-01 | 66 days | 1,605 sqft |
| 2021-03-01 | 52 days | 1,571 sqft |
| 2021-04-01 | 25 days | 1,620 sqft |
| 2021-05-01 | 24 days | 1,608 sqft |
| 2021-06-01 | 18 days | 1,628 sqft |
| 2021-07-01 | 25 days | 1,620 sqft |
| 2021-08-01 | 29 days | 1,623 sqft |
| 2021-09-01 | 36 days | 1,592 sqft |
| 2021-10-01 | 43 days | 1,572 sqft |
| 2021-11-01 | 39 days | 1,508 sqft |
| 2021-12-01 | 44 days | 1,521 sqft |
| 2022-01-01 | 48 days | 1,538 sqft |
| 2022-02-01 | 48 days | 1,534 sqft |
| 2022-03-01 | 47 days | 1,586 sqft |
| 2022-04-01 | 41 days | 1,600 sqft |
| 2022-05-01 | 33 days | 1,690 sqft |
| 2022-06-01 | 29 days | 1,675 sqft |
| 2022-07-01 | 30 days | 1,680 sqft |
| 2022-08-01 | 40 days | 1,642 sqft |
| 2022-09-01 | 45 days | 1,681 sqft |
| 2022-10-01 | 49 days | 1,650 sqft |
| 2022-11-01 | 55 days | 1,684 sqft |
| 2022-12-01 | 65 days | 1,682 sqft |
| 2023-01-01 | 67 days | 1,669 sqft |
| 2023-02-01 | 63 days | 1,672 sqft |
| 2023-03-01 | 55 days | 1,662 sqft |
| 2023-04-01 | 45 days | 1,600 sqft |
| 2023-05-01 | 32 days | 1,578 sqft |
| 2023-06-01 | 33 days | 1,546 sqft |
| 2023-07-01 | 41 days | 1,557 sqft |
| 2023-08-01 | 38 days | 1,488 sqft |
| 2023-09-01 | 38 days | 1,502 sqft |
| 2023-10-01 | 40 days | 1,577 sqft |
| 2023-11-01 | 46 days | 1,532 sqft |
| 2023-12-01 | 58 days | 1,567 sqft |
| 2024-01-01 | 62 days | 1,486 sqft |
| 2024-02-01 | 61 days | 1,439 sqft |
| 2024-03-01 | 47 days | 1,500 sqft |
| 2024-04-01 | 40 days | 1,579 sqft |
| 2024-05-01 | 39 days | 1,659 sqft |
| 2024-06-01 | 35 days | 1,675 sqft |
| 2024-07-01 | 37 days | 1,729 sqft |
| 2024-08-01 | 43 days | 1,688 sqft |
| 2024-09-01 | 45 days | 1,675 sqft |
| 2024-10-01 | 50 days | 1,706 sqft |
| 2024-11-01 | 51 days | 1,628 sqft |
| 2024-12-01 | 64 days | 1,602 sqft |
| 2025-01-01 | 76 days | 1,595 sqft |
| 2025-02-01 | 72 days | 1,654 sqft |
| 2025-03-01 | 50 days | 1,663 sqft |
| 2025-04-01 | 47 days | 1,559 sqft |
Pottsville's median square footage for active listings during the 2025-04-01 period was 1,559 sqft. One year prior, the average listing was 1,579 sqft.