Sunbury USDA Loan Rates, Closing Costs & Stats

Sunbury, PA

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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.

    Sunbury's 13 lenders originated 44 USDA loans during 2023. The total origination value was $5,800,000, with an average USDA loan value of $131,818.

    Sunbury USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Sunbury averaged 6.57% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Sunbury's average USDA mortgage closing costs are $5,863.

    The average rate for the prior week (2025-02-07) was 6.33% and one month ago for the week of 2025-01-10, the average rate was 6.58%.

    The average rate one year ago was 6.27%.

    For refis of the same type during the week of 2025-02-14, the average rate was 7.9%.

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

    Sunbury 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 Sunbury level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    ALLIED MORTGAGE GROUP, INC. 13 6.27% $9,352
    AMERICAN FINANCIAL RESOURCES, INC. 6 6.40% $7,166
    PRIMELENDING, A PLAINSCAPITAL COMPANY 5 6.70% $5,509
    Mortgage America, Inc. 4 6.41% $4,981
    Equity Prime Mortgage LLC 1 6.75% $5,230
    FIRST HERITAGE FINANCIAL, LLC 1 6.49% $4,807
    Keystone Funding, Inc. 1 6.13% $8,072
    TOWNE MORTGAGE COMPANY 1 6.13% $4,486
    UNION HOME MORTGAGE CORP. 1 7.38% $7,628
    UNITED WHOLESALE MORTGAGE, LLC 1 6.74% $14,166
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.63% $8,023
    Century Mortgage Company DBA Century Lending Company 1 7.13% $5,610
    Citizens Bank 1 5.63% $8,955

    The top Sunbury USDA lender as defined by loan originations is ALLIED MORTGAGE GROUP, INC., with 13 USDA loans originated. Their average total fees are $9,352, which is $2,186 higher than the next largest lender, AMERICAN FINANCIAL RESOURCES, INC..

    The lowest fee Sunbury USDA lenders (with over 10 loans originated) are ALLIED MORTGAGE GROUP, INC. ($9,352), .

    The lowest rate Sunbury USDA lenders (with over 10 loans originated) are ALLIED MORTGAGE GROUP, INC. (6.27%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Sunbury (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 $119,225 (14.3%) $157,195 (7.7%) 0.00 392
    2018-02-01 $119,500 (9.7%) $161,355 (9.9%) 0.00 373
    2018-03-01 $127,400 (12.0%) $178,413 (14.6%) 0.00 381
    2018-04-01 $129,750 (0.6%) $179,909 (8.6%) 0.00 387
    2018-05-01 $136,225 (9.1%) $182,907 (12.1%) 0.00 370
    2018-06-01 $129,900 (6.9%) $177,279 (12.6%) 0.00 378
    2018-07-01 $125,900 (13.4%) $171,165 (16.6%) 0.00 391
    2018-08-01 $119,575 (6.3%) $165,077 (10.7%) 0.00 389
    2018-09-01 $125,900 (14.6%) $171,335 (19.3%) 0.00 378
    2018-10-01 $125,225 (9.9%) $171,340 (16.1%) 0.00 371
    2018-11-01 $129,675 (12.5%) $172,981 (11.6%) 0.00 369
    2018-12-01 $128,000 (7.6%) $170,837 (8.6%) 0.00 350
    2019-01-01 $129,950 (9.0%) $169,156 (7.6%) 0.00 336
    2019-02-01 $132,450 (10.8%) $168,529 (4.5%) 0.00 345
    2019-03-01 $129,829 (1.9%) $171,619 (-3.8%) 0.00 342
    2019-04-01 $125,604 (-3.2%) $174,983 (-2.7%) 0.00 335
    2019-05-01 $133,700 (-1.9%) $177,325 (-3.1%) 0.00 333
    2019-06-01 $133,750 (3.0%) $175,670 (-0.9%) 0.00 346
    2019-07-01 $132,400 (5.2%) $169,893 (-0.7%) 0.00 347
    2019-08-01 $122,245 (2.2%) $162,272 (-1.7%) 0.00 344
    2019-09-01 $118,114 (-6.2%) $161,180 (-5.9%) 0.00 331
    2019-10-01 $113,450 (-9.4%) $160,452 (-6.4%) 0.00 322
    2019-11-01 $107,500 (-17.1%) $160,771 (-7.1%) 0.00 316
    2019-12-01 $108,450 (-15.3%) $160,883 (-5.8%) 0.00 305
    2020-01-01 $108,725 (-16.3%) $164,971 (-2.5%) 0.00 284
    2020-02-01 $99,500 (-24.9%) $167,082 (-0.9%) 0.00 271
    2020-03-01 $102,975 (-20.7%) $175,952 (2.5%) 0.00 278
    2020-04-01 $119,389 (-5.0%) $177,544 (1.5%) 0.00 263
    2020-05-01 $134,900 (0.9%) $181,773 (2.5%) 0.00 250
    2020-06-01 $137,800 (3.0%) $188,931 (7.6%) 0.00 215
    2020-07-01 $149,900 (13.2%) $192,600 (13.4%) 0.00 215
    2020-08-01 $143,700 (17.6%) $183,413 (13.0%) 0.00 208
    2020-09-01 $137,050 (16.0%) $179,012 (11.1%) 0.00 185
    2020-10-01 $124,900 (10.1%) $173,830 (8.3%) 0.00 165
    2020-11-01 $119,450 (11.1%) $167,498 (4.2%) 0.00 154
    2020-12-01 $122,700 (13.1%) $159,447 (-0.9%) 0.00 136
    2021-01-01 $129,900 (19.5%) $167,742 (1.7%) 0.00 126
    2021-02-01 $135,475 (36.2%) $186,484 (11.6%) 0.00 116
    2021-03-01 $139,825 (35.8%) $192,886 (9.6%) 0.00 115
    2021-04-01 $149,225 (25.0%) $204,330 (15.1%) 0.00 106
    2021-05-01 $139,250 (3.2%) $200,744 (10.4%) 0.00 110
    2021-06-01 $122,100 (-11.4%) $180,257 (-4.6%) 0.00 123
    2021-07-01 $129,500 (-13.6%) $176,654 (-8.3%) 0.00 144
    2021-08-01 $94,225 (-34.4%) $162,253 (-11.5%) 0.00 139
    2021-09-01 $116,000 (-15.4%) $173,044 (-3.3%) 0.00 136
    2021-10-01 $125,000 (0.1%) $170,457 (-1.9%) 0.00 133
    2021-11-01 $102,400 (-14.3%) $158,080 (-5.6%) 0.00 137
    2021-12-01 $97,450 (-20.6%) $169,270 (6.2%) 0.00 128
    2022-01-01 $94,750 (-27.1%) $170,629 (1.7%) 0.00 111
    2022-02-01 $88,625 (-34.6%) $184,269 (-1.2%) 0.00 94
    2022-03-01 $154,900 (10.8%) $216,277 (12.1%) 0.00 91
    2022-04-01 $120,400 (-19.3%) $227,870 (11.5%) 0.00 97
    2022-05-01 $114,475 (-17.8%) $208,301 (3.8%) 0.00 121
    2022-06-01 $149,900 (22.8%) $219,370 (21.7%) 0.00 147
    2022-07-01 $139,900 (8.0%) $217,985 (23.4%) 0.00 160
    2022-08-01 $139,925 (48.5%) $208,963 (28.8%) 0.00 168
    2022-09-01 $135,925 (17.2%) $194,392 (12.3%) 0.00 173
    2022-10-01 $129,900 (3.9%) $182,128 (6.9%) 0.00 181
    2022-11-01 $122,500 (19.6%) $171,756 (8.7%) 0.00 185
    2022-12-01 $125,000 (28.3%) $172,182 (1.7%) 0.00 179
    2023-01-01 $134,075 (41.5%) $169,014 (-1.0%) 0.00 169
    2023-02-01 $124,900 (40.9%) $167,899 (-8.9%) 0.00 145
    2023-03-01 $143,325 (-7.5%) $195,046 (-9.8%) 0.00 131
    2023-04-01 $146,450 (21.6%) $207,205 (-9.1%) 0.00 131
    2023-05-01 $149,175 (30.3%) $220,491 (5.9%) 0.00 124
    2023-06-01 $153,725 (2.6%) $225,040 (2.6%) 0.00 143
    2023-07-01 $149,000 (6.5%) $224,615 (3.0%) 0.00 143
    2023-08-01 $147,450 (5.4%) $223,093 (6.8%) 0.00 149
    2023-09-01 $157,450 (15.8%) $210,639 (8.4%) 0.00 161
    2023-10-01 $153,475 (18.2%) $206,204 (13.2%) 0.00 155
    2023-11-01 $166,200 (35.7%) $218,907 (27.5%) 0.00 151
    2023-12-01 $160,000 (28.0%) $222,821 (29.4%) 0.00 143
    2024-01-01 $180,700 (34.8%) $228,679 (35.3%) 0.00 121
    2024-02-01 $191,950 (53.7%) $239,913 (42.9%) 0.00 128
    2024-03-01 $209,900 (46.5%) $243,236 (24.7%) 0.00 137
    2024-04-01 $221,950 (51.6%) $255,723 (23.4%) 0.00 145
    2024-05-01 $208,450 (39.7%) $266,883 (21.0%) 0.00 166
    2024-06-01 $210,950 (37.2%) $274,835 (22.1%) 0.00 160
    2024-07-01 $191,250 (28.4%) $255,988 (14.0%) 0.00 169
    2024-08-01 $197,500 (33.9%) $254,433 (14.1%) 0.00 171
    2024-09-01 $188,725 (19.9%) $261,234 (24.0%) 0.00 186
    2024-10-01 $199,913 (30.3%) $274,298 (33.0%) 0.00 193
    2024-11-01 $199,900 (20.3%) $278,235 (27.1%) 0.00 186
    2024-12-01 $172,225 (7.6%) $262,679 (17.9%) 0.00 167
    2025-01-01 $168,000 (-7.0%) $263,123 (15.1%) 0.00 142
    Sunbury's median listing price for 2025-01-01 was $168,000, a difference of $-12,700 (-7.0%) versus the prior year and $-4,225 versus the prior month.

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

    Sunbury's average listing price for 2025-01-01 was $263,123, a difference of $34,444 (15.1%) versus the prior year and $444 versus the prior month.

    For the 2025-01-01 period, Sunbury had 142 MLS listings, a difference of -25 listings (-15%) versus the prior month and 21 listings (17%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Sunbury (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,552 sqft
    2018-02-01 0 days 1,570 sqft
    2018-03-01 0 days 1,590 sqft
    2018-04-01 0 days 1,613 sqft
    2018-05-01 0 days 1,641 sqft
    2018-06-01 0 days 1,656 sqft
    2018-07-01 0 days 1,611 sqft
    2018-08-01 0 days 1,590 sqft
    2018-09-01 0 days 1,570 sqft
    2018-10-01 0 days 1,598 sqft
    2018-11-01 0 days 1,620 sqft
    2018-12-01 0 days 1,600 sqft
    2019-01-01 0 days 1,603 sqft
    2019-02-01 0 days 1,594 sqft
    2019-03-01 0 days 1,613 sqft
    2019-04-01 0 days 1,638 sqft
    2019-05-01 0 days 1,706 sqft
    2019-06-01 0 days 1,690 sqft
    2019-07-01 0 days 1,664 sqft
    2019-08-01 0 days 1,629 sqft
    2019-09-01 0 days 1,609 sqft
    2019-10-01 0 days 1,595 sqft
    2019-11-01 0 days 1,576 sqft
    2019-12-01 0 days 1,585 sqft
    2020-01-01 0 days 1,583 sqft
    2020-02-01 0 days 1,570 sqft
    2020-03-01 0 days 1,613 sqft
    2020-04-01 0 days 1,618 sqft
    2020-05-01 0 days 1,642 sqft
    2020-06-01 0 days 1,683 sqft
    2020-07-01 0 days 1,716 sqft
    2020-08-01 0 days 1,646 sqft
    2020-09-01 0 days 1,633 sqft
    2020-10-01 0 days 1,604 sqft
    2020-11-01 0 days 1,570 sqft
    2020-12-01 0 days 1,560 sqft
    2021-01-01 0 days 1,570 sqft
    2021-02-01 0 days 1,611 sqft
    2021-03-01 0 days 1,566 sqft
    2021-04-01 0 days 1,578 sqft
    2021-05-01 0 days 1,506 sqft
    2021-06-01 0 days 1,524 sqft
    2021-07-01 0 days 1,515 sqft
    2021-08-01 0 days 1,434 sqft
    2021-09-01 0 days 1,522 sqft
    2021-10-01 0 days 1,576 sqft
    2021-11-01 0 days 1,505 sqft
    2021-12-01 0 days 1,480 sqft
    2022-01-01 0 days 1,480 sqft
    2022-02-01 0 days 1,542 sqft
    2022-03-01 0 days 1,603 sqft
    2022-04-01 0 days 1,540 sqft
    2022-05-01 0 days 1,503 sqft
    2022-06-01 0 days 1,666 sqft
    2022-07-01 0 days 1,642 sqft
    2022-08-01 0 days 1,576 sqft
    2022-09-01 0 days 1,555 sqft
    2022-10-01 0 days 1,536 sqft
    2022-11-01 0 days 1,528 sqft
    2022-12-01 0 days 1,577 sqft
    2023-01-01 0 days 1,584 sqft
    2023-02-01 0 days 1,527 sqft
    2023-03-01 0 days 1,511 sqft
    2023-04-01 0 days 1,600 sqft
    2023-05-01 0 days 1,663 sqft
    2023-06-01 0 days 1,679 sqft
    2023-07-01 0 days 1,621 sqft
    2023-08-01 0 days 1,659 sqft
    2023-09-01 0 days 1,632 sqft
    2023-10-01 0 days 1,635 sqft
    2023-11-01 0 days 1,617 sqft
    2023-12-01 0 days 1,560 sqft
    2024-01-01 0 days 1,565 sqft
    2024-02-01 0 days 1,654 sqft
    2024-03-01 0 days 1,680 sqft
    2024-04-01 0 days 1,708 sqft
    2024-05-01 0 days 1,704 sqft
    2024-06-01 0 days 1,832 sqft
    2024-07-01 0 days 1,684 sqft
    2024-08-01 0 days 1,719 sqft
    2024-09-01 0 days 1,675 sqft
    2024-10-01 0 days 1,779 sqft
    2024-11-01 0 days 1,729 sqft
    2024-12-01 0 days 1,570 sqft
    2025-01-01 0 days 1,549 sqft
    Sunbury's median listing age (time on market) for 2025-01-01 was 0 days.

    Sunbury's median square footage for active listings during the 2025-01-01 period was 1,549 sqft. One year prior, the average listing was 1,565 sqft.