Punta Gorda USDA Loan Rates, Closing Costs & Stats
PUNTA GORDA, FL
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.
Punta Gorda's 3 lenders originated 4 USDA loans during 2024. The total origination value was $1,050,000, with an average USDA loan value of $262,500.
Punta Gorda USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Punta Gorda
averaged
6.29%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Punta Gorda's average USDA mortgage closing costs are $6,602.
The average rate for the prior week (2025-05-16) was
6.33% and
one month ago for the week of 2025-04-18, the
average rate was 6.31%.
The average rate one year ago was 6.98%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.25%.
Punta Gorda 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 Punta Gorda level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 1 | 6.50% | $7,128 |
| Flagstar Bank, FSB | 1 | 6.75% | $10,845 |
| METROPLEX MORTGAGE SERVICES, INC. | 1 | 6.13% | $9,084 |
The top Punta Gorda USDA lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with
1 USDA loans originated. Their average total fees are
$7,128, which is $3,717
lower than the next largest lender,
Flagstar Bank, FSB.
The lowest fee Punta Gorda USDA lenders (with over 10 loans originated) are
.
The lowest rate Punta Gorda USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Punta Gorda (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 | $274,900 (1.9%) | $364,771 (-2.3%) | 1.02 | 2,208 |
| 2018-02-01 | $274,950 (2.2%) | $366,508 (-0.3%) | 1.00 | 2,254 |
| 2018-03-01 | $275,000 (3.8%) | $365,951 (0.2%) | 0.96 | 2,257 |
| 2018-04-01 | $269,950 (1.6%) | $366,466 (0.6%) | 0.92 | 2,187 |
| 2018-05-01 | $269,950 (2.8%) | $365,442 (1.0%) | 0.90 | 2,074 |
| 2018-06-01 | $274,900 (4.1%) | $373,399 (4.4%) | 0.92 | 1,937 |
| 2018-07-01 | $271,790 (2.6%) | $368,957 (3.9%) | 0.91 | 1,859 |
| 2018-08-01 | $269,949 (1.9%) | $361,520 (2.0%) | 0.90 | 1,811 |
| 2018-09-01 | $269,000 (1.6%) | $354,561 (1.1%) | 0.90 | 1,788 |
| 2018-10-01 | $274,925 (3.0%) | $363,862 (4.7%) | 0.93 | 1,880 |
| 2018-11-01 | $279,250 (3.0%) | $367,202 (3.2%) | 0.95 | 2,114 |
| 2018-12-01 | $279,900 (3.7%) | $373,128 (2.6%) | 0.97 | 2,309 |
| 2019-01-01 | $280,000 (1.9%) | $375,992 (3.1%) | 0.97 | 2,442 |
| 2019-02-01 | $279,950 (1.8%) | $374,255 (2.1%) | 0.95 | 2,608 |
| 2019-03-01 | $277,857 (1.0%) | $369,372 (0.9%) | 0.91 | 2,575 |
| 2019-04-01 | $275,000 (1.9%) | $365,050 (-0.4%) | 0.87 | 2,486 |
| 2019-05-01 | $275,000 (1.9%) | $363,630 (-0.5%) | 0.86 | 2,293 |
| 2019-06-01 | $274,900 (0.0%) | $363,767 (-2.6%) | 0.86 | 2,096 |
| 2019-07-01 | $274,998 (1.2%) | $366,279 (-0.7%) | 0.86 | 1,929 |
| 2019-08-01 | $276,091 (2.3%) | $367,859 (1.8%) | 0.87 | 1,894 |
| 2019-09-01 | $277,727 (3.2%) | $369,370 (4.2%) | 0.89 | 1,885 |
| 2019-10-01 | $279,000 (1.5%) | $370,941 (2.0%) | 0.90 | 1,897 |
| 2019-11-01 | $279,900 (0.2%) | $375,094 (2.2%) | 0.92 | 1,993 |
| 2019-12-01 | $290,000 (3.6%) | $389,098 (4.3%) | 0.97 | 2,011 |
| 2020-01-01 | $290,000 (3.6%) | $389,001 (3.5%) | 0.97 | 2,020 |
| 2020-02-01 | $289,900 (3.6%) | $390,172 (4.3%) | 0.95 | 2,017 |
| 2020-03-01 | $286,000 (2.9%) | $388,578 (5.2%) | 0.90 | 2,007 |
| 2020-04-01 | $283,195 (3.0%) | $380,849 (4.3%) | 0.89 | 2,029 |
| 2020-05-01 | $285,000 (3.6%) | $384,844 (5.8%) | 0.87 | 1,933 |
| 2020-06-01 | $284,510 (3.5%) | $391,581 (7.7%) | 0.84 | 1,716 |
| 2020-07-01 | $282,235 (2.6%) | $392,216 (7.1%) | 0.82 | 1,516 |
| 2020-08-01 | $284,040 (2.9%) | $392,176 (6.6%) | 0.81 | 1,411 |
| 2020-09-01 | $279,800 (0.8%) | $395,767 (7.2%) | 0.80 | 1,344 |
| 2020-10-01 | $276,590 (-0.9%) | $401,713 (8.3%) | 0.79 | 1,299 |
| 2020-11-01 | $278,950 (-0.3%) | $412,795 (10.1%) | 0.82 | 1,254 |
| 2020-12-01 | $289,675 (-0.1%) | $422,575 (8.6%) | 0.86 | 1,165 |
| 2021-01-01 | $294,900 (1.7%) | $451,789 (16.1%) | 0.88 | 1,003 |
| 2021-02-01 | $297,948 (2.8%) | $459,840 (17.9%) | 0.87 | 798 |
| 2021-03-01 | $300,000 (4.9%) | $462,255 (19.0%) | 0.85 | 615 |
| 2021-04-01 | $322,425 (13.9%) | $489,867 (28.6%) | 0.87 | 522 |
| 2021-05-01 | $324,900 (14.0%) | $476,577 (23.8%) | 0.86 | 537 |
| 2021-06-01 | $337,500 (18.6%) | $488,708 (24.8%) | 0.89 | 535 |
| 2021-07-01 | $355,900 (26.1%) | $509,041 (29.8%) | 0.94 | 583 |
| 2021-08-01 | $370,000 (30.3%) | $523,803 (33.6%) | 0.99 | 623 |
| 2021-09-01 | $374,950 (34.0%) | $528,588 (33.6%) | 1.00 | 641 |
| 2021-10-01 | $379,900 (37.4%) | $545,744 (35.9%) | 1.01 | 649 |
| 2021-11-01 | $399,225 (43.1%) | $599,207 (45.2%) | 1.07 | 609 |
| 2021-12-01 | $395,463 (36.5%) | $595,410 (40.9%) | 1.07 | 639 |
| 2022-01-01 | $391,527 (32.8%) | $587,603 (30.1%) | 1.06 | 534 |
| 2022-02-01 | $422,500 (41.8%) | $623,182 (35.5%) | 1.10 | 530 |
| 2022-03-01 | $430,227 (43.4%) | $630,148 (36.3%) | 1.08 | 555 |
| 2022-04-01 | $435,699 (35.1%) | $627,310 (28.1%) | 1.04 | 659 |
| 2022-05-01 | $454,475 (39.9%) | $625,715 (31.3%) | 1.04 | 849 |
| 2022-06-01 | $457,625 (35.6%) | $621,058 (27.1%) | 1.02 | 1,019 |
| 2022-07-01 | $449,900 (26.4%) | $603,564 (18.6%) | 1.01 | 1,165 |
| 2022-08-01 | $448,000 (21.1%) | $565,445 (8.0%) | 1.04 | 1,265 |
| 2022-09-01 | $449,347 (19.8%) | $565,328 (7.0%) | 1.05 | 1,292 |
| 2022-10-01 | $449,900 (18.4%) | $571,051 (4.6%) | 1.06 | 1,159 |
| 2022-11-01 | $440,875 (10.4%) | $560,025 (-6.5%) | 1.06 | 1,172 |
| 2022-12-01 | $425,000 (7.5%) | $555,939 (-6.6%) | 1.05 | 1,190 |
| 2023-01-01 | $428,925 (9.6%) | $560,946 (-4.5%) | 1.06 | 1,291 |
| 2023-02-01 | $436,972 (3.4%) | $583,270 (-6.4%) | 1.05 | 1,399 |
| 2023-03-01 | $438,850 (2.0%) | $575,524 (-8.7%) | 1.04 | 1,583 |
| 2023-04-01 | $430,410 (-1.2%) | $569,089 (-9.3%) | 1.00 | 1,767 |
| 2023-05-01 | $432,475 (-4.8%) | $573,236 (-8.4%) | 0.98 | 1,813 |
| 2023-06-01 | $434,975 (-5.0%) | $567,375 (-8.6%) | 0.98 | 1,919 |
| 2023-07-01 | $429,000 (-4.7%) | $554,172 (-8.2%) | 0.98 | 2,004 |
| 2023-08-01 | $426,523 (-4.8%) | $542,444 (-4.1%) | 0.98 | 2,037 |
| 2023-09-01 | $429,000 (-4.5%) | $537,217 (-5.0%) | 1.00 | 2,203 |
| 2023-10-01 | $432,000 (-4.0%) | $546,167 (-4.4%) | 1.02 | 2,418 |
| 2023-11-01 | $429,900 (-2.5%) | $551,449 (-1.5%) | 1.02 | 2,687 |
| 2023-12-01 | $427,500 (0.6%) | $553,021 (-0.5%) | 1.04 | 2,987 |
| 2024-01-01 | $425,000 (-0.9%) | $558,551 (-0.4%) | 1.04 | 3,216 |
| 2024-02-01 | $425,000 (-2.7%) | $558,029 (-4.3%) | 1.02 | 3,502 |
| 2024-03-01 | $419,000 (-4.5%) | $547,362 (-4.9%) | 0.99 | 3,636 |
| 2024-04-01 | $415,088 (-3.6%) | $535,672 (-5.9%) | 0.97 | 3,673 |
| 2024-05-01 | $413,225 (-4.5%) | $533,090 (-7.0%) | 0.94 | 3,677 |
| 2024-06-01 | $402,225 (-7.5%) | $524,554 (-7.6%) | 0.91 | 3,564 |
| 2024-07-01 | $399,900 (-6.8%) | $512,990 (-7.4%) | 0.91 | 3,392 |
| 2024-08-01 | $397,000 (-6.9%) | $502,420 (-7.4%) | 0.92 | 3,277 |
| 2024-09-01 | $391,663 (-8.7%) | $492,605 (-8.3%) | 0.92 | 3,257 |
| 2024-10-01 | $389,900 (-9.8%) | $487,007 (-10.8%) | 0.92 | 3,176 |
| 2024-11-01 | $389,900 (-9.3%) | $486,948 (-11.7%) | 0.94 | 3,601 |
| 2024-12-01 | $394,900 (-7.6%) | $492,177 (-11.0%) | 0.98 | 3,882 |
| 2025-01-01 | $395,000 (-7.1%) | $496,271 (-11.2%) | 0.99 | 4,147 |
| 2025-02-01 | $397,350 (-6.5%) | $503,740 (-9.7%) | 0.96 | 4,585 |
| 2025-03-01 | $392,000 (-6.4%) | $503,098 (-8.1%) | 0.92 | 4,865 |
| 2025-04-01 | $392,000 (-5.6%) | $506,363 (-5.5%) | 0.91 | 4,871 |
Punta Gorda's median listing price comes in at 91% of the national average.
Punta Gorda's average listing price for 2025-04-01 was $506,363, a difference of $-29,309 (-5.5%) versus the prior year and $3,265 versus the prior month.
For the 2025-04-01 period, Punta Gorda had 4,871 MLS listings, a difference of 6 listings (0%) versus the prior month and 1,198 listings (33%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Punta Gorda (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 69 days | 1,800 sqft |
| 2018-02-01 | 68 days | 1,790 sqft |
| 2018-03-01 | 66 days | 1,787 sqft |
| 2018-04-01 | 71 days | 1,777 sqft |
| 2018-05-01 | 74 days | 1,759 sqft |
| 2018-06-01 | 85 days | 1,768 sqft |
| 2018-07-01 | 87 days | 1,782 sqft |
| 2018-08-01 | 86 days | 1,758 sqft |
| 2018-09-01 | 86 days | 1,756 sqft |
| 2018-10-01 | 84 days | 1,765 sqft |
| 2018-11-01 | 65 days | 1,760 sqft |
| 2018-12-01 | 66 days | 1,767 sqft |
| 2019-01-01 | 73 days | 1,771 sqft |
| 2019-02-01 | 71 days | 1,756 sqft |
| 2019-03-01 | 72 days | 1,745 sqft |
| 2019-04-01 | 74 days | 1,728 sqft |
| 2019-05-01 | 81 days | 1,721 sqft |
| 2019-06-01 | 89 days | 1,722 sqft |
| 2019-07-01 | 93 days | 1,729 sqft |
| 2019-08-01 | 92 days | 1,754 sqft |
| 2019-09-01 | 90 days | 1,753 sqft |
| 2019-10-01 | 86 days | 1,754 sqft |
| 2019-11-01 | 71 days | 1,766 sqft |
| 2019-12-01 | 73 days | 1,789 sqft |
| 2020-01-01 | 78 days | 1,780 sqft |
| 2020-02-01 | 73 days | 1,770 sqft |
| 2020-03-01 | 66 days | 1,760 sqft |
| 2020-04-01 | 70 days | 1,742 sqft |
| 2020-05-01 | 78 days | 1,732 sqft |
| 2020-06-01 | 90 days | 1,696 sqft |
| 2020-07-01 | 89 days | 1,699 sqft |
| 2020-08-01 | 74 days | 1,694 sqft |
| 2020-09-01 | 72 days | 1,716 sqft |
| 2020-10-01 | 61 days | 1,685 sqft |
| 2020-11-01 | 61 days | 1,692 sqft |
| 2020-12-01 | 66 days | 1,692 sqft |
| 2021-01-01 | 70 days | 1,692 sqft |
| 2021-02-01 | 59 days | 1,686 sqft |
| 2021-03-01 | 44 days | 1,665 sqft |
| 2021-04-01 | 43 days | 1,678 sqft |
| 2021-05-01 | 38 days | 1,684 sqft |
| 2021-06-01 | 38 days | 1,686 sqft |
| 2021-07-01 | 37 days | 1,685 sqft |
| 2021-08-01 | 41 days | 1,708 sqft |
| 2021-09-01 | 43 days | 1,691 sqft |
| 2021-10-01 | 46 days | 1,710 sqft |
| 2021-11-01 | 46 days | 1,738 sqft |
| 2021-12-01 | 54 days | 1,733 sqft |
| 2022-01-01 | 49 days | 1,715 sqft |
| 2022-02-01 | 37 days | 1,755 sqft |
| 2022-03-01 | 37 days | 1,728 sqft |
| 2022-04-01 | 34 days | 1,697 sqft |
| 2022-05-01 | 35 days | 1,736 sqft |
| 2022-06-01 | 39 days | 1,714 sqft |
| 2022-07-01 | 43 days | 1,728 sqft |
| 2022-08-01 | 48 days | 1,737 sqft |
| 2022-09-01 | 52 days | 1,753 sqft |
| 2022-10-01 | 73 days | 1,775 sqft |
| 2022-11-01 | 75 days | 1,782 sqft |
| 2022-12-01 | 79 days | 1,744 sqft |
| 2023-01-01 | 68 days | 1,734 sqft |
| 2023-02-01 | 49 days | 1,745 sqft |
| 2023-03-01 | 45 days | 1,729 sqft |
| 2023-04-01 | 47 days | 1,726 sqft |
| 2023-05-01 | 57 days | 1,727 sqft |
| 2023-06-01 | 62 days | 1,714 sqft |
| 2023-07-01 | 66 days | 1,704 sqft |
| 2023-08-01 | 66 days | 1,713 sqft |
| 2023-09-01 | 71 days | 1,720 sqft |
| 2023-10-01 | 71 days | 1,717 sqft |
| 2023-11-01 | 64 days | 1,720 sqft |
| 2023-12-01 | 67 days | 1,713 sqft |
| 2024-01-01 | 78 days | 1,717 sqft |
| 2024-02-01 | 75 days | 1,712 sqft |
| 2024-03-01 | 69 days | 1,700 sqft |
| 2024-04-01 | 73 days | 1,700 sqft |
| 2024-05-01 | 78 days | 1,704 sqft |
| 2024-06-01 | 82 days | 1,698 sqft |
| 2024-07-01 | 89 days | 1,700 sqft |
| 2024-08-01 | 94 days | 1,690 sqft |
| 2024-09-01 | 93 days | 1,688 sqft |
| 2024-10-01 | 96 days | 1,693 sqft |
| 2024-11-01 | 88 days | 1,705 sqft |
| 2024-12-01 | 81 days | 1,712 sqft |
| 2025-01-01 | 79 days | 1,710 sqft |
| 2025-02-01 | 79 days | 1,722 sqft |
| 2025-03-01 | 75 days | 1,725 sqft |
| 2025-04-01 | 79 days | 1,722 sqft |
Punta Gorda's median square footage for active listings during the 2025-04-01 period was 1,722 sqft. One year prior, the average listing was 1,700 sqft.