Sayre USDA Loan Rates, Closing Costs & Stats

Sayre, PA

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Sayre's 2 lenders originated 7 USDA loans during 2023. The total origination value was $955,000, with an average USDA loan value of $136,429.

    Sayre USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Sayre averaged 0.2% for the week of 2024-11-15, compared to the national average (all USDA variants) of 0% for the same period.

    Sayre's average USDA mortgage closing costs are $5,248.

    The average rate for the prior week (2024-11-08) was 6.25% and one month ago for the week of 2024-10-11, the average rate was 6.32%.

    The average rate one year ago was 7.24%.

    For refis of the same type during the week of 2024-11-15, the average rate was -0.2%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Sayre 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 Sayre level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 4 6.22% $6,307
    Mortgage Research Center, LLC 1 8.13% $1,635

    The top Sayre USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 4 USDA loans originated. Their average total fees are $6,307, which is $4,673 higher than the next largest lender, Mortgage Research Center, LLC.

    The lowest fee Sayre USDA lenders (with over 10 loans originated) are .

    The lowest rate Sayre USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Sayre (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 $144,600 (-3.6%) $184,664 (-1.0%) 0.00 260
    2018-02-01 $140,000 (-7.4%) $181,725 (-2.1%) 0.00 264
    2018-03-01 $136,700 (-12.6%) $176,382 (-8.7%) 0.00 261
    2018-04-01 $144,000 (-9.3%) $175,983 (-10.6%) 0.00 258
    2018-05-01 $143,000 (-7.2%) $175,649 (-11.2%) 0.00 269
    2018-06-01 $156,500 (1.0%) $182,977 (-5.6%) 0.00 296
    2018-07-01 $159,900 (4.2%) $187,635 (-2.5%) 0.00 308
    2018-08-01 $157,750 (1.7%) $188,597 (-3.4%) 0.00 315
    2018-09-01 $151,200 (0.8%) $186,182 (-2.6%) 0.00 323
    2018-10-01 $149,900 (0.0%) $182,870 (-1.7%) 0.00 307
    2018-11-01 $154,250 (2.9%) $185,063 (0.0%) 0.00 302
    2018-12-01 $150,000 (3.7%) $184,071 (1.0%) 0.00 283
    2019-01-01 $144,925 (0.2%) $182,403 (-1.2%) 0.00 269
    2019-02-01 $151,200 (8.0%) $185,506 (2.1%) 0.00 256
    2019-03-01 $161,286 (18.0%) $191,194 (8.4%) 0.00 257
    2019-04-01 $164,536 (14.3%) $196,582 (11.7%) 0.00 258
    2019-05-01 $165,000 (15.4%) $203,015 (15.6%) 0.00 244
    2019-06-01 $162,400 (3.8%) $199,026 (8.8%) 0.00 255
    2019-07-01 $156,163 (-2.3%) $195,931 (4.4%) 0.00 260
    2019-08-01 $156,991 (-0.5%) $196,091 (4.0%) 0.00 259
    2019-09-01 $158,627 (4.9%) $198,692 (6.7%) 0.00 257
    2019-10-01 $161,150 (7.5%) $200,690 (9.7%) 0.00 256
    2019-11-01 $175,000 (13.5%) $203,995 (10.2%) 0.00 246
    2019-12-01 $182,000 (21.3%) $207,381 (12.7%) 0.00 223
    2020-01-01 $175,000 (20.8%) $206,238 (13.1%) 0.00 221
    2020-02-01 $179,500 (18.7%) $207,424 (11.8%) 0.00 229
    2020-03-01 $184,925 (14.7%) $209,186 (9.4%) 0.00 212
    2020-04-01 $186,500 (13.4%) $213,382 (8.6%) 0.00 204
    2020-05-01 $189,000 (14.6%) $216,508 (6.7%) 0.00 203
    2020-06-01 $189,250 (16.5%) $209,715 (5.4%) 0.00 202
    2020-07-01 $189,125 (21.1%) $213,396 (8.9%) 0.00 200
    2020-08-01 $185,000 (17.8%) $210,191 (7.2%) 0.00 211
    2020-09-01 $178,000 (12.2%) $208,125 (4.8%) 0.00 189
    2020-10-01 $159,900 (-0.8%) $202,007 (0.7%) 0.00 174
    2020-11-01 $159,900 (-8.6%) $204,354 (0.2%) 0.00 171
    2020-12-01 $174,950 (-3.9%) $217,839 (5.0%) 0.00 166
    2021-01-01 $174,900 (-0.1%) $222,298 (7.8%) 0.00 143
    2021-02-01 $172,050 (-4.2%) $242,661 (17.0%) 0.00 123
    2021-03-01 $179,350 (-3.0%) $248,127 (18.6%) 0.00 118
    2021-04-01 $185,975 (-0.3%) $252,754 (18.5%) 0.00 113
    2021-05-01 $198,500 (5.0%) $255,612 (18.1%) 0.00 111
    2021-06-01 $190,950 (0.9%) $249,456 (19.0%) 0.00 113
    2021-07-01 $184,950 (-2.2%) $241,064 (13.0%) 0.00 121
    2021-08-01 $180,700 (-2.3%) $250,097 (19.0%) 0.00 123
    2021-09-01 $185,000 (3.9%) $255,444 (22.7%) 0.00 125
    2021-10-01 $185,000 (15.7%) $245,688 (21.6%) 0.00 118
    2021-11-01 $189,225 (18.3%) $265,906 (30.1%) 0.00 122
    2021-12-01 $189,450 (8.3%) $273,899 (25.7%) 0.00 105
    2022-01-01 $199,000 (13.8%) $267,834 (20.5%) 0.00 86
    2022-02-01 $209,829 (22.0%) $272,829 (12.4%) 0.00 77
    2022-03-01 $199,725 (11.4%) $265,864 (7.2%) 0.00 75
    2022-04-01 $196,750 (5.8%) $254,640 (0.8%) 0.00 71
    2022-05-01 $201,975 (1.8%) $266,256 (4.2%) 0.00 71
    2022-06-01 $199,900 (4.7%) $267,642 (7.3%) 0.00 87
    2022-07-01 $193,700 (4.7%) $266,798 (10.7%) 0.00 97
    2022-08-01 $196,975 (9.0%) $269,957 (7.9%) 0.00 97
    2022-09-01 $197,000 (6.5%) $275,494 (7.9%) 0.00 102
    2022-10-01 $199,900 (8.1%) $280,242 (14.1%) 0.00 118
    2022-11-01 $207,400 (9.6%) $281,774 (6.0%) 0.00 110
    2022-12-01 $195,500 (3.2%) $275,885 (0.7%) 0.00 98
    2023-01-01 $217,835 (9.5%) $282,367 (5.4%) 0.00 80
    2023-02-01 $212,885 (1.5%) $289,591 (6.1%) 0.00 65
    2023-03-01 $184,625 (-7.6%) $245,072 (-7.8%) 0.00 67
    2023-04-01 $191,500 (-2.7%) $283,334 (11.3%) 0.00 55
    2023-05-01 $224,250 (11.0%) $293,943 (10.4%) 0.00 59
    2023-06-01 $198,625 (-0.6%) $276,934 (3.5%) 0.00 65
    2023-07-01 $200,000 (3.3%) $268,375 (0.6%) 0.00 75
    2023-08-01 $189,500 (-3.8%) $258,930 (-4.1%) 0.00 67
    2023-09-01 $198,000 (0.5%) $257,531 (-6.5%) 0.00 71
    2023-10-01 $199,750 (-0.1%) $272,697 (-2.7%) 0.00 69
    2023-11-01 $235,175 (13.4%) $280,343 (-0.5%) 0.00 69
    2023-12-01 $219,950 (12.5%) $267,341 (-3.1%) 0.00 64
    2024-01-01 $205,950 (-5.5%) $268,373 (-5.0%) 0.00 64
    2024-02-01 $196,500 (-7.7%) $271,334 (-6.3%) 0.00 55
    2024-03-01 $225,000 (21.9%) $281,597 (14.9%) 0.00 54
    2024-04-01 $212,250 (10.8%) $293,528 (3.6%) 0.00 59
    2024-05-01 $221,250 (-1.3%) $308,915 (5.1%) 0.00 70
    2024-06-01 $225,000 (13.3%) $319,846 (15.5%) 0.00 72
    2024-07-01 $231,750 (15.9%) $321,984 (20.0%) 0.00 77
    2024-08-01 $259,000 (36.7%) $329,120 (27.1%) 0.00 84
    2024-09-01 $239,075 (20.7%) $330,104 (28.2%) 0.00 86
    2024-10-01 $244,450 (22.4%) $329,816 (21.0%) 0.00 91
    Sayre's median listing price for 2024-10-01 was $244,450, a difference of $44,700 (22.4%) versus the prior year and $5,375 versus the prior month.

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

    Sayre's average listing price for 2024-10-01 was $329,816, a difference of $57,119 (21.0%) versus the prior year and $-288 versus the prior month.

    For the 2024-10-01 period, Sayre had 91 MLS listings, a difference of 5 listings (6%) versus the prior month and 22 listings (32%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Sayre (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,764 sqft
    2018-02-01 0 days 1,750 sqft
    2018-03-01 0 days 1,761 sqft
    2018-04-01 0 days 1,777 sqft
    2018-05-01 0 days 1,814 sqft
    2018-06-01 0 days 1,827 sqft
    2018-07-01 0 days 1,821 sqft
    2018-08-01 0 days 1,814 sqft
    2018-09-01 0 days 1,800 sqft
    2018-10-01 0 days 1,754 sqft
    2018-11-01 0 days 1,730 sqft
    2018-12-01 0 days 1,738 sqft
    2019-01-01 0 days 1,721 sqft
    2019-02-01 0 days 1,728 sqft
    2019-03-01 0 days 1,786 sqft
    2019-04-01 0 days 1,838 sqft
    2019-05-01 0 days 1,825 sqft
    2019-06-01 0 days 1,818 sqft
    2019-07-01 0 days 1,831 sqft
    2019-08-01 0 days 1,804 sqft
    2019-09-01 0 days 1,811 sqft
    2019-10-01 0 days 1,815 sqft
    2019-11-01 0 days 1,907 sqft
    2019-12-01 0 days 1,863 sqft
    2020-01-01 0 days 1,874 sqft
    2020-02-01 0 days 1,920 sqft
    2020-03-01 0 days 1,908 sqft
    2020-04-01 0 days 1,913 sqft
    2020-05-01 0 days 1,930 sqft
    2020-06-01 0 days 2,038 sqft
    2020-07-01 0 days 2,006 sqft
    2020-08-01 0 days 1,870 sqft
    2020-09-01 0 days 1,879 sqft
    2020-10-01 0 days 1,819 sqft
    2020-11-01 0 days 1,785 sqft
    2020-12-01 0 days 1,819 sqft
    2021-01-01 0 days 1,790 sqft
    2021-02-01 0 days 1,767 sqft
    2021-03-01 0 days 1,917 sqft
    2021-04-01 0 days 1,920 sqft
    2021-05-01 0 days 1,927 sqft
    2021-06-01 0 days 1,919 sqft
    2021-07-01 0 days 1,920 sqft
    2021-08-01 0 days 1,954 sqft
    2021-09-01 0 days 1,948 sqft
    2021-10-01 0 days 1,942 sqft
    2021-11-01 0 days 1,951 sqft
    2021-12-01 0 days 1,908 sqft
    2022-01-01 0 days 1,872 sqft
    2022-02-01 0 days 1,968 sqft
    2022-03-01 0 days 1,883 sqft
    2022-04-01 0 days 1,798 sqft
    2022-05-01 0 days 1,851 sqft
    2022-06-01 0 days 1,825 sqft
    2022-07-01 0 days 1,810 sqft
    2022-08-01 0 days 1,806 sqft
    2022-09-01 0 days 1,773 sqft
    2022-10-01 0 days 1,728 sqft
    2022-11-01 0 days 1,842 sqft
    2022-12-01 0 days 1,824 sqft
    2023-01-01 0 days 1,841 sqft
    2023-02-01 0 days 1,876 sqft
    2023-03-01 0 days 1,974 sqft
    2023-04-01 0 days 1,981 sqft
    2023-05-01 0 days 1,879 sqft
    2023-06-01 0 days 1,843 sqft
    2023-07-01 0 days 1,887 sqft
    2023-08-01 0 days 1,989 sqft
    2023-09-01 0 days 1,950 sqft
    2023-10-01 0 days 1,926 sqft
    2023-11-01 0 days 1,955 sqft
    2023-12-01 0 days 1,881 sqft
    2024-01-01 0 days 1,769 sqft
    2024-02-01 0 days 1,760 sqft
    2024-03-01 0 days 1,778 sqft
    2024-04-01 0 days 1,780 sqft
    2024-05-01 0 days 1,896 sqft
    2024-06-01 0 days 1,907 sqft
    2024-07-01 0 days 1,943 sqft
    2024-08-01 0 days 1,989 sqft
    2024-09-01 0 days 1,834 sqft
    2024-10-01 0 days 1,939 sqft
    Sayre's median listing age (time on market) for 2024-10-01 was 0 days.

    Sayre's median square footage for active listings during the 2024-10-01 period was 1,939 sqft. One year prior, the average listing was 1,926 sqft.