Sebring USDA Loan Rates, Closing Costs & Stats

SEBRING-AVON PARK, FL

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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.

    Sebring's 10 lenders originated 63 USDA loans during 2023. The total origination value was $13,375,000, with an average USDA loan value of $212,302.

    Sebring USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Sebring averaged 6.49% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Sebring's average USDA mortgage closing costs are $5,732.

    The average rate for the prior week (2025-02-07) was 6.55% and one month ago for the week of 2025-01-10, the average rate was 6.79%.

    The average rate one year ago was 6.38%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.33%.

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

    Sebring 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 Sebring level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    METROPLEX MORTGAGE SERVICES, INC. 41 6.68% $8,421
    LEADERONE FINANCIAL CORPORATION 7 6.86% $8,328
    UNITED WHOLESALE MORTGAGE, LLC 3 5.75% $12,824
    PLAZA HOME MORTGAGE, INC. 2 6.50% $7,497
    MOVEMENT MORTGAGE, LLC 1 6.75% $8,622
    South State Bank 1 5.99% $6,914
    MID AMERICA MORTGAGE, INC. 1 6.75% $8,172
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.63% $8,690
    Magnolia Bank 1 5.88% $8,463
    ACADEMY MORTGAGE CORPORATION 1 6.38% $11,645

    The top Sebring USDA lender as defined by loan originations is METROPLEX MORTGAGE SERVICES, INC., with 41 USDA loans originated. Their average total fees are $8,421, which is $93 higher than the next largest lender, LEADERONE FINANCIAL CORPORATION.

    The lowest fee Sebring USDA lenders (with over 10 loans originated) are METROPLEX MORTGAGE SERVICES, INC. ($8,421), .

    The lowest rate Sebring USDA lenders (with over 10 loans originated) are METROPLEX MORTGAGE SERVICES, INC. (6.68%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Sebring (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 $174,900 (1.7%) $206,309 (-5.4%) 0.00 550
    2018-02-01 $179,450 (2.6%) $214,871 (-2.6%) 0.00 562
    2018-03-01 $179,000 (2.6%) $217,322 (-0.9%) 0.00 537
    2018-04-01 $175,675 (0.4%) $218,815 (-1.8%) 0.00 533
    2018-05-01 $179,000 (2.3%) $223,195 (-0.2%) 0.00 512
    2018-06-01 $186,500 (4.3%) $231,946 (2.6%) 0.00 497
    2018-07-01 $193,350 (13.8%) $240,071 (9.0%) 0.00 504
    2018-08-01 $188,500 (11.6%) $232,906 (8.2%) 0.00 523
    2018-09-01 $185,000 (5.8%) $222,439 (2.4%) 0.00 564
    2018-10-01 $179,950 (5.3%) $221,921 (3.1%) 0.00 577
    2018-11-01 $184,950 (5.8%) $233,047 (9.2%) 0.00 595
    2018-12-01 $186,000 (9.5%) $238,600 (15.9%) 0.00 660
    2019-01-01 $185,450 (6.0%) $238,202 (15.5%) 0.00 653
    2019-02-01 $184,950 (3.1%) $240,888 (12.1%) 0.00 683
    2019-03-01 $184,943 (3.3%) $237,751 (9.4%) 0.00 670
    2019-04-01 $186,000 (5.9%) $237,401 (8.5%) 0.00 631
    2019-05-01 $185,000 (3.4%) $235,440 (5.5%) 0.00 605
    2019-06-01 $189,000 (1.3%) $233,407 (0.6%) 0.00 534
    2019-07-01 $186,225 (-3.7%) $231,363 (-3.6%) 0.00 520
    2019-08-01 $185,427 (-1.6%) $230,851 (-0.9%) 0.00 525
    2019-09-01 $182,318 (-1.5%) $231,209 (3.9%) 0.00 528
    2019-10-01 $179,900 (0.0%) $231,339 (4.2%) 0.00 538
    2019-11-01 $184,900 (0.0%) $230,672 (-1.0%) 0.00 542
    2019-12-01 $189,900 (2.1%) $239,071 (0.2%) 0.00 543
    2020-01-01 $194,222 (4.7%) $244,578 (2.7%) 0.00 515
    2020-02-01 $191,947 (3.8%) $237,999 (-1.2%) 0.00 536
    2020-03-01 $194,800 (5.3%) $238,282 (0.2%) 0.00 545
    2020-04-01 $185,000 (-0.5%) $228,486 (-3.8%) 0.00 532
    2020-05-01 $184,997 (0.0%) $228,835 (-2.8%) 0.00 470
    2020-06-01 $181,475 (-4.0%) $227,980 (-2.3%) 0.00 430
    2020-07-01 $186,975 (0.4%) $224,238 (-3.1%) 0.00 375
    2020-08-01 $194,900 (5.1%) $233,648 (1.2%) 0.00 339
    2020-09-01 $197,725 (8.5%) $240,907 (4.2%) 0.00 308
    2020-10-01 $185,450 (3.1%) $236,656 (2.3%) 0.00 294
    2020-11-01 $198,250 (7.2%) $242,762 (5.2%) 0.00 286
    2020-12-01 $198,450 (4.5%) $247,079 (3.4%) 0.00 293
    2021-01-01 $195,000 (0.4%) $255,166 (4.3%) 0.00 304
    2021-02-01 $199,900 (4.1%) $255,159 (7.2%) 0.00 288
    2021-03-01 $216,950 (11.4%) $267,155 (12.1%) 0.00 262
    2021-04-01 $208,675 (12.8%) $285,775 (25.1%) 0.00 208
    2021-05-01 $224,999 (21.6%) $296,262 (29.5%) 0.00 196
    2021-06-01 $224,950 (24.0%) $4,361,155 (1,813.0%) 0.00 196
    2021-07-01 $234,900 (25.6%) $3,852,989 (1,618.3%) 0.00 237
    2021-08-01 $249,900 (28.2%) $319,419 (36.7%) 0.00 256
    2021-09-01 $252,450 (27.7%) $319,617 (32.7%) 0.00 246
    2021-10-01 $249,900 (34.8%) $316,764 (33.9%) 0.00 260
    2021-11-01 $269,900 (36.1%) $334,904 (38.0%) 0.00 241
    2021-12-01 $264,950 (33.5%) $339,649 (37.5%) 0.00 233
    2022-01-01 $269,990 (38.5%) $344,225 (34.9%) 0.00 222
    2022-02-01 $276,175 (38.2%) $363,365 (42.4%) 0.00 212
    2022-03-01 $284,950 (31.3%) $391,410 (46.5%) 0.00 210
    2022-04-01 $279,900 (34.1%) $371,756 (30.1%) 0.00 254
    2022-05-01 $287,000 (27.6%) $374,768 (26.5%) 0.00 281
    2022-06-01 $292,159 (29.9%) $363,349 (-91.7%) 0.00 310
    2022-07-01 $289,634 (23.3%) $359,049 (-90.7%) 0.00 366
    2022-08-01 $297,250 (19.0%) $356,682 (11.7%) 0.00 382
    2022-09-01 $298,555 (18.3%) $349,527 (9.4%) 0.00 402
    2022-10-01 $299,000 (19.7%) $360,139 (13.7%) 0.00 391
    2022-11-01 $291,220 (7.9%) $360,931 (7.8%) 0.00 412
    2022-12-01 $283,900 (7.2%) $354,804 (4.5%) 0.00 447
    2023-01-01 $283,569 (5.0%) $359,836 (4.5%) 0.00 482
    2023-02-01 $286,750 (3.8%) $356,494 (-1.9%) 0.00 498
    2023-03-01 $289,050 (1.4%) $358,818 (-8.3%) 0.00 484
    2023-04-01 $295,000 (5.4%) $365,202 (-1.8%) 0.00 491
    2023-05-01 $299,900 (4.5%) $359,759 (-4.0%) 0.00 492
    2023-06-01 $300,512 (2.9%) $356,202 (-2.0%) 0.00 474
    2023-07-01 $300,000 (3.6%) $362,398 (0.9%) 0.00 468
    2023-08-01 $309,632 (4.2%) $361,068 (1.2%) 0.00 468
    2023-09-01 $299,900 (0.5%) $353,406 (1.1%) 0.00 499
    2023-10-01 $317,000 (6.0%) $372,480 (3.4%) 0.00 530
    2023-11-01 $320,000 (9.9%) $388,704 (7.7%) 0.00 562
    2023-12-01 $325,000 (14.5%) $379,121 (6.9%) 0.00 623
    2024-01-01 $329,900 (16.3%) $379,332 (5.4%) 0.00 646
    2024-02-01 $322,450 (12.5%) $367,910 (3.2%) 0.00 691
    2024-03-01 $314,700 (8.9%) $360,355 (0.4%) 0.00 669
    2024-04-01 $311,450 (5.6%) $361,085 (-1.1%) 0.00 677
    2024-05-01 $302,475 (0.9%) $355,171 (-1.3%) 0.00 701
    2024-06-01 $310,000 (3.2%) $359,938 (1.1%) 0.00 673
    2024-07-01 $312,475 (4.2%) $360,361 (-0.6%) 0.00 683
    2024-08-01 $315,000 (1.7%) $365,247 (1.2%) 0.00 716
    2024-09-01 $312,400 (4.2%) $361,505 (2.3%) 0.00 730
    2024-10-01 $314,945 (-0.7%) $362,656 (-2.6%) 0.00 698
    2024-11-01 $314,900 (-1.6%) $362,195 (-6.8%) 0.00 743
    2024-12-01 $307,500 (-5.4%) $364,633 (-3.8%) 0.00 783
    2025-01-01 $304,925 (-7.6%) $361,132 (-4.8%) 0.00 787
    Sebring's median listing price for 2025-01-01 was $304,925, a difference of $-24,975 (-7.6%) versus the prior year and $-2,575 versus the prior month.

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

    Sebring's average listing price for 2025-01-01 was $361,132, a difference of $-18,200 (-4.8%) versus the prior year and $-3,501 versus the prior month.

    For the 2025-01-01 period, Sebring had 787 MLS listings, a difference of 4 listings (1%) versus the prior month and 141 listings (22%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Sebring (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,241 sqft
    2018-02-01 0 days 2,272 sqft
    2018-03-01 0 days 2,248 sqft
    2018-04-01 0 days 2,236 sqft
    2018-05-01 0 days 2,229 sqft
    2018-06-01 0 days 2,244 sqft
    2018-07-01 0 days 2,253 sqft
    2018-08-01 0 days 2,238 sqft
    2018-09-01 0 days 2,204 sqft
    2018-10-01 0 days 2,226 sqft
    2018-11-01 0 days 2,233 sqft
    2018-12-01 0 days 1,640 sqft
    2019-01-01 0 days 1,644 sqft
    2019-02-01 0 days 1,648 sqft
    2019-03-01 0 days 1,651 sqft
    2019-04-01 0 days 1,655 sqft
    2019-05-01 0 days 1,623 sqft
    2019-06-01 0 days 1,644 sqft
    2019-07-01 0 days 1,638 sqft
    2019-08-01 0 days 1,641 sqft
    2019-09-01 0 days 1,636 sqft
    2019-10-01 0 days 1,631 sqft
    2019-11-01 0 days 1,623 sqft
    2019-12-01 0 days 1,652 sqft
    2020-01-01 0 days 1,676 sqft
    2020-02-01 0 days 1,653 sqft
    2020-03-01 0 days 1,638 sqft
    2020-04-01 0 days 1,595 sqft
    2020-05-01 0 days 1,596 sqft
    2020-06-01 0 days 1,574 sqft
    2020-07-01 0 days 1,608 sqft
    2020-08-01 0 days 1,568 sqft
    2020-09-01 0 days 1,578 sqft
    2020-10-01 0 days 1,574 sqft
    2020-11-01 0 days 1,571 sqft
    2020-12-01 0 days 1,571 sqft
    2021-01-01 0 days 1,569 sqft
    2021-02-01 0 days 1,572 sqft
    2021-03-01 0 days 1,619 sqft
    2021-04-01 0 days 1,601 sqft
    2021-05-01 0 days 1,600 sqft
    2021-06-01 0 days 1,593 sqft
    2021-07-01 0 days 1,636 sqft
    2021-08-01 0 days 1,649 sqft
    2021-09-01 0 days 1,642 sqft
    2021-10-01 0 days 1,592 sqft
    2021-11-01 0 days 1,641 sqft
    2021-12-01 0 days 1,623 sqft
    2022-01-01 0 days 1,642 sqft
    2022-02-01 0 days 1,618 sqft
    2022-03-01 0 days 1,622 sqft
    2022-04-01 0 days 1,591 sqft
    2022-05-01 0 days 1,551 sqft
    2022-06-01 0 days 1,570 sqft
    2022-07-01 0 days 1,525 sqft
    2022-08-01 0 days 1,560 sqft
    2022-09-01 0 days 1,585 sqft
    2022-10-01 0 days 1,583 sqft
    2022-11-01 0 days 1,580 sqft
    2022-12-01 0 days 1,543 sqft
    2023-01-01 0 days 1,534 sqft
    2023-02-01 0 days 1,538 sqft
    2023-03-01 0 days 1,539 sqft
    2023-04-01 0 days 1,553 sqft
    2023-05-01 0 days 1,567 sqft
    2023-06-01 0 days 1,569 sqft
    2023-07-01 0 days 1,569 sqft
    2023-08-01 0 days 1,611 sqft
    2023-09-01 0 days 1,634 sqft
    2023-10-01 0 days 1,653 sqft
    2023-11-01 0 days 1,668 sqft
    2023-12-01 0 days 1,665 sqft
    2024-01-01 0 days 1,666 sqft
    2024-02-01 0 days 1,643 sqft
    2024-03-01 0 days 1,620 sqft
    2024-04-01 0 days 1,611 sqft
    2024-05-01 0 days 1,594 sqft
    2024-06-01 0 days 1,588 sqft
    2024-07-01 0 days 1,580 sqft
    2024-08-01 0 days 1,594 sqft
    2024-09-01 0 days 1,598 sqft
    2024-10-01 0 days 1,611 sqft
    2024-11-01 0 days 1,593 sqft
    2024-12-01 0 days 1,580 sqft
    2025-01-01 0 days 1,573 sqft
    Sebring's median listing age (time on market) for 2025-01-01 was 0 days.

    Sebring's median square footage for active listings during the 2025-01-01 period was 1,573 sqft. One year prior, the average listing was 1,666 sqft.