Sidney USDA Loan Rates, Closing Costs & Stats

Sidney, OH

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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.

    Sidney's 10 lenders originated 13 USDA loans during 2024. The total origination value was $2,195,000, with an average USDA loan value of $168,846.

    Sidney USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Sidney averaged 6.53% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

    Sidney's average USDA mortgage closing costs are $5,111.

    The average rate for the prior week (2025-03-28) was 6.39% and one month ago for the week of 2025-02-28, the average rate was 6.64%.

    The average rate one year ago was 6.9%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.42%.

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

    Sidney 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 Sidney level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNION HOME MORTGAGE CORP. 2 6.19% $8,802
    CMG MORTGAGE, INC. 1 6.38% $5,438
    DIRECT MORTGAGE LOANS, LLC 1 7.00% $6,656
    Fifth Third Bank 1 6.50% $6,118
    HOMESIDE FINANCIAL, LLC 1 5.63% $8,322
    Hometown Equity Mortgage, LLC 1 6.50% $7,495
    LIBERTY HOME MORTGAGE CORPORATION 1 7.13% $2,321
    LOANDEPOT.COM, LLC 1 6.75% $5,436
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.13% $6,159
    UNITED WHOLESALE MORTGAGE, LLC 1 6.25% $4,520

    The top Sidney USDA lender as defined by loan originations is UNION HOME MORTGAGE CORP., with 2 USDA loans originated. Their average total fees are $8,802, which is $3,364 higher than the next largest lender, CMG MORTGAGE, INC..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Sidney (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 $124,400 (13.5%) $174,764 (17.6%) 0.00 144
    2018-02-01 $122,500 (16.4%) $182,281 (20.2%) 0.00 139
    2018-03-01 $127,750 (14.8%) $201,308 (28.3%) 0.00 129
    2018-04-01 $126,425 (10.0%) $196,517 (27.4%) 0.00 133
    2018-05-01 $130,000 (10.0%) $196,760 (20.5%) 0.00 138
    2018-06-01 $135,000 (12.7%) $190,153 (17.9%) 0.00 154
    2018-07-01 $137,450 (12.5%) $195,694 (21.1%) 0.00 165
    2018-08-01 $134,250 (10.9%) $189,866 (10.9%) 0.00 159
    2018-09-01 $135,000 (3.9%) $195,173 (11.5%) 0.00 158
    2018-10-01 $121,000 (-8.6%) $209,920 (21.4%) 0.00 161
    2018-11-01 $129,175 (-0.6%) $199,899 (16.5%) 0.00 167
    2018-12-01 $117,900 (-3.5%) $176,820 (2.5%) 0.00 155
    2019-01-01 $123,950 (-0.4%) $174,627 (-0.1%) 0.00 119
    2019-02-01 $140,500 (14.7%) $177,972 (-2.4%) 0.00 116
    2019-03-01 $136,986 (7.2%) $173,215 (-14.0%) 0.00 109
    2019-04-01 $133,761 (5.8%) $166,049 (-15.5%) 0.00 105
    2019-05-01 $139,450 (7.3%) $161,411 (-18.0%) 0.00 113
    2019-06-01 $124,450 (-7.8%) $154,332 (-18.8%) 0.00 123
    2019-07-01 $119,350 (-13.2%) $153,917 (-21.4%) 0.00 128
    2019-08-01 $112,791 (-16.0%) $149,399 (-21.3%) 0.00 120
    2019-09-01 $113,977 (-15.6%) $149,131 (-23.6%) 0.00 118
    2019-10-01 $117,450 (-2.9%) $148,953 (-29.0%) 0.00 116
    2019-11-01 $119,900 (-7.2%) $148,124 (-25.9%) 0.00 107
    2019-12-01 $117,425 (-0.4%) $146,334 (-17.2%) 0.00 112
    2020-01-01 $114,900 (-7.3%) $148,843 (-14.8%) 0.00 104
    2020-02-01 $114,450 (-18.5%) $157,751 (-11.4%) 0.00 87
    2020-03-01 $126,400 (-7.7%) $165,174 (-4.6%) 0.00 88
    2020-04-01 $126,925 (-5.1%) $163,930 (-1.3%) 0.00 87
    2020-05-01 $119,200 (-14.5%) $160,877 (-0.3%) 0.00 65
    2020-06-01 $134,950 (8.4%) $168,228 (9.0%) 0.00 59
    2020-07-01 $142,400 (19.3%) $175,453 (14.0%) 0.00 57
    2020-08-01 $134,000 (18.8%) $180,205 (20.6%) 0.00 55
    2020-09-01 $139,900 (22.7%) $188,278 (26.3%) 0.00 63
    2020-10-01 $136,500 (16.2%) $184,964 (24.2%) 0.00 65
    2020-11-01 $148,650 (24.0%) $192,614 (30.0%) 0.00 59
    2020-12-01 $158,700 (35.2%) $197,743 (35.1%) 0.00 49
    2021-01-01 $159,000 (38.4%) $203,627 (36.8%) 0.00 49
    2021-02-01 $179,450 (56.8%) $222,779 (41.2%) 0.00 44
    2021-03-01 $159,225 (26.0%) $195,747 (18.5%) 0.00 42
    2021-04-01 $158,000 (24.5%) $183,039 (11.7%) 0.00 46
    2021-05-01 $159,900 (34.1%) $213,377 (32.6%) 0.00 43
    2021-06-01 $198,675 (47.2%) $216,930 (29.0%) 0.00 54
    2021-07-01 $189,900 (33.4%) $213,788 (21.9%) 0.00 50
    2021-08-01 $168,000 (25.4%) $208,771 (15.9%) 0.00 55
    2021-09-01 $182,225 (30.3%) $211,112 (12.1%) 0.00 62
    2021-10-01 $169,900 (24.5%) $207,712 (12.3%) 0.00 56
    2021-11-01 $175,400 (18.0%) $216,230 (12.3%) 0.00 54
    2021-12-01 $168,725 (6.3%) $214,690 (8.6%) 0.00 41
    2022-01-01 $139,900 (-12.0%) $183,463 (-9.9%) 0.00 40
    2022-02-01 $136,725 (-23.8%) $170,217 (-23.6%) 0.00 31
    2022-03-01 $148,450 (-6.8%) $159,145 (-18.7%) 0.00 31
    2022-04-01 $169,000 (7.0%) $184,428 (0.8%) 0.00 40
    2022-05-01 $177,425 (11.0%) $211,608 (-0.8%) 0.00 38
    2022-06-01 $177,450 (-10.7%) $233,876 (7.8%) 0.00 46
    2022-07-01 $177,450 (-6.6%) $249,035 (16.5%) 0.00 57
    2022-08-01 $232,175 (38.2%) $276,647 (32.5%) 0.00 55
    2022-09-01 $221,175 (21.4%) $268,789 (27.3%) 0.00 65
    2022-10-01 $236,445 (39.2%) $274,830 (32.3%) 0.00 61
    2022-11-01 $256,248 (46.1%) $283,777 (31.2%) 0.00 64
    2022-12-01 $269,000 (59.4%) $287,339 (33.8%) 0.00 57
    2023-01-01 $249,000 (78.0%) $275,529 (50.2%) 0.00 56
    2023-02-01 $249,000 (82.1%) $270,510 (58.9%) 0.00 55
    2023-03-01 $260,325 (75.4%) $281,198 (76.7%) 0.00 38
    2023-04-01 $249,700 (47.8%) $271,920 (47.4%) 0.00 37
    2023-05-01 $249,500 (40.6%) $282,625 (33.6%) 0.00 33
    2023-06-01 $284,100 (60.1%) $295,191 (26.2%) 0.00 38
    2023-07-01 $249,000 (40.3%) $282,593 (13.5%) 0.00 39
    2023-08-01 $240,000 (3.4%) $268,065 (-3.1%) 0.00 43
    2023-09-01 $257,900 (16.6%) $291,208 (8.3%) 0.00 44
    2023-10-01 $237,000 (0.2%) $290,860 (5.8%) 0.00 54
    2023-11-01 $227,500 (-11.2%) $278,859 (-1.7%) 0.00 53
    2023-12-01 $219,900 (-18.3%) $264,989 (-7.8%) 0.00 60
    2024-01-01 $216,198 (-13.2%) $270,171 (-1.9%) 0.00 55
    2024-02-01 $226,000 (-9.2%) $282,784 (4.5%) 0.00 45
    2024-03-01 $239,900 (-7.9%) $278,282 (-1.0%) 0.00 43
    2024-04-01 $249,950 (0.1%) $293,471 (7.9%) 0.00 47
    2024-05-01 $252,093 (1.0%) $301,862 (6.8%) 0.00 41
    2024-06-01 $265,000 (-6.7%) $315,105 (6.8%) 0.00 44
    2024-07-01 $252,450 (1.4%) $305,290 (8.0%) 0.00 49
    2024-08-01 $258,245 (7.6%) $315,168 (17.6%) 0.00 56
    2024-09-01 $234,725 (-9.0%) $290,164 (-0.4%) 0.00 59
    2024-10-01 $243,225 (2.6%) $293,096 (0.8%) 0.00 66
    2024-11-01 $252,450 (11.0%) $293,186 (5.1%) 0.00 69
    2024-12-01 $267,400 (21.6%) $309,281 (16.7%) 0.00 65
    2025-01-01 $270,975 (25.3%) $312,052 (15.5%) 0.00 65
    2025-02-01 $274,875 (21.6%) $311,538 (10.2%) 0.00 75
    2025-03-01 $264,950 (10.4%) $305,419 (9.8%) 0.00 65
    Sidney's median listing price for 2025-03-01 was $264,950, a difference of $25,050 (10.4%) versus the prior year and $-9,925 versus the prior month.

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

    Sidney's average listing price for 2025-03-01 was $305,419, a difference of $27,137 (9.8%) versus the prior year and $-6,119 versus the prior month.

    For the 2025-03-01 period, Sidney had 65 MLS listings, a difference of -10 listings (-13%) versus the prior month and 22 listings (51%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Sidney (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,695 sqft
    2018-02-01 0 days 1,703 sqft
    2018-03-01 0 days 1,792 sqft
    2018-04-01 0 days 1,775 sqft
    2018-05-01 0 days 1,828 sqft
    2018-06-01 0 days 1,810 sqft
    2018-07-01 0 days 1,783 sqft
    2018-08-01 0 days 1,732 sqft
    2018-09-01 0 days 1,806 sqft
    2018-10-01 0 days 1,810 sqft
    2018-11-01 0 days 1,686 sqft
    2018-12-01 0 days 1,659 sqft
    2019-01-01 0 days 1,622 sqft
    2019-02-01 0 days 1,587 sqft
    2019-03-01 0 days 1,620 sqft
    2019-04-01 0 days 1,650 sqft
    2019-05-01 0 days 1,654 sqft
    2019-06-01 0 days 1,644 sqft
    2019-07-01 0 days 1,601 sqft
    2019-08-01 0 days 1,551 sqft
    2019-09-01 0 days 1,556 sqft
    2019-10-01 0 days 1,547 sqft
    2019-11-01 0 days 1,560 sqft
    2019-12-01 0 days 1,566 sqft
    2020-01-01 0 days 1,538 sqft
    2020-02-01 0 days 1,561 sqft
    2020-03-01 0 days 1,708 sqft
    2020-04-01 0 days 1,668 sqft
    2020-05-01 0 days 1,580 sqft
    2020-06-01 0 days 1,662 sqft
    2020-07-01 0 days 1,744 sqft
    2020-08-01 0 days 1,686 sqft
    2020-09-01 0 days 1,646 sqft
    2020-10-01 0 days 1,703 sqft
    2020-11-01 0 days 1,674 sqft
    2020-12-01 0 days 1,776 sqft
    2021-01-01 0 days 1,751 sqft
    2021-02-01 0 days 1,901 sqft
    2021-03-01 0 days 1,759 sqft
    2021-04-01 0 days 1,712 sqft
    2021-05-01 0 days 1,752 sqft
    2021-06-01 0 days 1,744 sqft
    2021-07-01 0 days 1,724 sqft
    2021-08-01 0 days 1,740 sqft
    2021-09-01 0 days 1,713 sqft
    2021-10-01 0 days 1,701 sqft
    2021-11-01 0 days 1,677 sqft
    2021-12-01 0 days 1,596 sqft
    2022-01-01 0 days 1,596 sqft
    2022-02-01 0 days 1,649 sqft
    2022-03-01 0 days 1,596 sqft
    2022-04-01 0 days 1,596 sqft
    2022-05-01 0 days 1,724 sqft
    2022-06-01 0 days 1,648 sqft
    2022-07-01 0 days 1,763 sqft
    2022-08-01 0 days 1,853 sqft
    2022-09-01 0 days 1,734 sqft
    2022-10-01 0 days 1,680 sqft
    2022-11-01 0 days 1,850 sqft
    2022-12-01 0 days 1,999 sqft
    2023-01-01 0 days 1,842 sqft
    2023-02-01 0 days 1,798 sqft
    2023-03-01 0 days 1,886 sqft
    2023-04-01 0 days 1,888 sqft
    2023-05-01 0 days 1,865 sqft
    2023-06-01 0 days 1,939 sqft
    2023-07-01 0 days 1,904 sqft
    2023-08-01 0 days 1,828 sqft
    2023-09-01 0 days 1,871 sqft
    2023-10-01 0 days 1,881 sqft
    2023-11-01 0 days 1,800 sqft
    2023-12-01 0 days 1,654 sqft
    2024-01-01 0 days 1,653 sqft
    2024-02-01 0 days 1,756 sqft
    2024-03-01 0 days 1,690 sqft
    2024-04-01 0 days 1,695 sqft
    2024-05-01 0 days 1,658 sqft
    2024-06-01 0 days 1,684 sqft
    2024-07-01 0 days 1,691 sqft
    2024-08-01 0 days 1,792 sqft
    2024-09-01 0 days 1,713 sqft
    2024-10-01 0 days 1,702 sqft
    2024-11-01 0 days 1,677 sqft
    2024-12-01 0 days 1,617 sqft
    2025-01-01 0 days 1,648 sqft
    2025-02-01 0 days 1,655 sqft
    2025-03-01 0 days 1,617 sqft
    Sidney's median listing age (time on market) for 2025-03-01 was 0 days.

    Sidney's median square footage for active listings during the 2025-03-01 period was 1,617 sqft. One year prior, the average listing was 1,690 sqft.