Taylorville USDA Loan Rates, Closing Costs & Stats

Taylorville, IL

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.

Taylorville's 9 lenders originated 26 USDA loans during 2024. The total origination value was $2,510,000, with an average USDA loan value of $96,538.

Taylorville USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Taylorville averaged 6.55% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

Taylorville's average USDA mortgage closing costs are $3,598.

The average rate for the prior week (2025-03-28) was 6.61% and one month ago for the week of 2025-02-28, the average rate was 6.66%.

The average rate one year ago was 6.62%.

For refis of the same type during the week of 2025-04-04, the average rate was 6.22%.

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

Taylorville 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 Taylorville level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 9 6.90% $4,808
GERSHMAN INVESTMENT CORP. 7 6.91% $3,638
AFFORDABLE MORTGAGE ADVISORS, LLC. 2 7.19% $4,066
Heartland Bank and Trust Company 2 6.75% $4,853
NEWREZ LLC 2 6.13% $4,135
Petefish, Skiles & Co. 1 6.25% $3,545
Regions Bank 1 6.25% $4,472
FIRST STATE MORTGAGE SERVICES, LLC 1 6.25% $3,672
CROSSCOUNTRY MORTGAGE, LLC 1 6.13% $4,405

The top Taylorville USDA lender as defined by loan originations is DIAMOND RESIDENTIAL MORTGAGE CORPORATION, with 9 USDA loans originated. Their average total fees are $4,808, which is $1,170 higher than the next largest lender, GERSHMAN INVESTMENT CORP..

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

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


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Taylorville (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 $88,000 (10.7%) $108,781 (2.5%) 0.00 149
2018-02-01 $87,700 (14.1%) $107,365 (3.8%) 0.00 158
2018-03-01 $87,500 (11.4%) $109,603 (8.6%) 0.00 159
2018-04-01 $88,225 (10.4%) $113,824 (4.3%) 0.00 159
2018-05-01 $88,800 (11.1%) $112,894 (0.9%) 0.00 169
2018-06-01 $94,900 (15.9%) $117,943 (0.9%) 0.00 174
2018-07-01 $92,075 (7.8%) $117,143 (0.4%) 0.00 180
2018-08-01 $89,900 (2.2%) $113,504 (-4.5%) 0.00 189
2018-09-01 $89,900 (4.7%) $111,386 (-3.5%) 0.00 199
2018-10-01 $88,750 (1.9%) $106,432 (-3.4%) 0.00 199
2018-11-01 $89,125 (4.3%) $105,786 (-0.7%) 0.00 187
2018-12-01 $83,350 (-1.9%) $103,090 (-2.3%) 0.00 164
2019-01-01 $80,550 (-8.5%) $97,073 (-10.8%) 0.00 168
2019-02-01 $79,900 (-8.9%) $96,207 (-10.4%) 0.00 163
2019-03-01 $79,500 (-9.1%) $98,511 (-10.1%) 0.00 149
2019-04-01 $79,850 (-9.5%) $102,931 (-9.6%) 0.00 142
2019-05-01 $78,000 (-12.2%) $100,226 (-11.2%) 0.00 150
2019-06-01 $83,700 (-11.8%) $109,239 (-7.4%) 0.00 160
2019-07-01 $79,900 (-13.2%) $109,522 (-6.5%) 0.00 152
2019-08-01 $82,936 (-7.8%) $115,751 (2.0%) 0.00 160
2019-09-01 $82,691 (-8.0%) $117,823 (5.8%) 0.00 161
2019-10-01 $82,727 (-6.8%) $119,204 (12.0%) 0.00 161
2019-11-01 $84,900 (-4.7%) $120,956 (14.3%) 0.00 156
2019-12-01 $82,000 (-1.6%) $120,909 (17.3%) 0.00 135
2020-01-01 $79,900 (-0.8%) $117,023 (20.6%) 0.00 132
2020-02-01 $79,900 (0.0%) $114,487 (19.0%) 0.00 133
2020-03-01 $79,900 (0.5%) $111,765 (13.5%) 0.00 127
2020-04-01 $79,900 (0.1%) $113,237 (10.0%) 0.00 111
2020-05-01 $79,900 (2.4%) $112,809 (12.6%) 0.00 110
2020-06-01 $79,900 (-4.5%) $107,462 (-1.6%) 0.00 120
2020-07-01 $79,900 (0.0%) $107,842 (-1.5%) 0.00 122
2020-08-01 $79,900 (-3.7%) $112,387 (-2.9%) 0.00 116
2020-09-01 $82,450 (-0.3%) $116,100 (-1.5%) 0.00 113
2020-10-01 $79,900 (-3.4%) $111,499 (-6.5%) 0.00 120
2020-11-01 $79,900 (-5.9%) $111,643 (-7.7%) 0.00 105
2020-12-01 $81,800 (-0.2%) $121,888 (0.8%) 0.00 94
2021-01-01 $78,450 (-1.8%) $115,086 (-1.7%) 0.00 83
2021-02-01 $76,650 (-4.1%) $111,483 (-2.6%) 0.00 68
2021-03-01 $79,200 (-0.9%) $116,795 (4.5%) 0.00 61
2021-04-01 $77,800 (-2.6%) $117,191 (3.5%) 0.00 51
2021-05-01 $82,500 (3.3%) $128,066 (13.5%) 0.00 55
2021-06-01 $85,200 (6.6%) $134,174 (24.9%) 0.00 52
2021-07-01 $82,500 (3.3%) $130,446 (21.0%) 0.00 60
2021-08-01 $83,625 (4.7%) $114,826 (2.2%) 0.00 63
2021-09-01 $77,400 (-6.1%) $101,035 (-13.0%) 0.00 69
2021-10-01 $74,200 (-7.1%) $89,272 (-19.9%) 0.00 70
2021-11-01 $72,825 (-8.9%) $90,685 (-18.8%) 0.00 64
2021-12-01 $74,900 (-8.4%) $94,604 (-22.4%) 0.00 58
2022-01-01 $74,900 (-4.5%) $98,058 (-14.8%) 0.00 52
2022-02-01 $67,425 (-12.0%) $88,002 (-21.1%) 0.00 46
2022-03-01 $71,250 (-10.0%) $101,946 (-12.7%) 0.00 38
2022-04-01 $93,200 (19.8%) $121,848 (4.0%) 0.00 42
2022-05-01 $95,350 (15.6%) $120,269 (-6.1%) 0.00 48
2022-06-01 $83,650 (-1.8%) $114,693 (-14.5%) 0.00 46
2022-07-01 $83,000 (0.6%) $126,706 (-2.9%) 0.00 41
2022-08-01 $92,300 (10.4%) $126,837 (10.5%) 0.00 55
2022-09-01 $87,464 (13.0%) $122,444 (21.2%) 0.00 55
2022-10-01 $103,900 (40.0%) $144,458 (61.8%) 0.00 53
2022-11-01 $111,450 (53.0%) $148,144 (63.4%) 0.00 56
2022-12-01 $92,950 (24.1%) $138,339 (46.2%) 0.00 57
2023-01-01 $92,850 (24.0%) $127,837 (30.4%) 0.00 54
2023-02-01 $107,300 (59.1%) $134,416 (52.7%) 0.00 39
2023-03-01 $103,650 (45.5%) $142,039 (39.3%) 0.00 41
2023-04-01 $117,400 (26.0%) $148,376 (21.8%) 0.00 38
2023-05-01 $114,850 (20.5%) $147,402 (22.6%) 0.00 36
2023-06-01 $112,000 (33.9%) $162,933 (42.1%) 0.00 36
2023-07-01 $103,450 (24.6%) $147,421 (16.4%) 0.00 37
2023-08-01 $147,425 (59.7%) $162,332 (28.0%) 0.00 38
2023-09-01 $145,000 (65.8%) $162,411 (32.6%) 0.00 47
2023-10-01 $138,550 (33.4%) $160,802 (11.3%) 0.00 56
2023-11-01 $146,200 (31.2%) $166,741 (12.6%) 0.00 57
2023-12-01 $140,000 (50.6%) $161,155 (16.5%) 0.00 49
2024-01-01 $146,225 (57.5%) $164,780 (28.9%) 0.00 46
2024-02-01 $134,450 (25.3%) $166,759 (24.1%) 0.00 38
2024-03-01 $128,750 (24.2%) $156,133 (9.9%) 0.00 35
2024-04-01 $142,425 (21.3%) $174,200 (17.4%) 0.00 33
2024-05-01 $141,250 (23.0%) $178,175 (20.9%) 0.00 38
2024-06-01 $142,450 (27.2%) $174,021 (6.8%) 0.00 43
2024-07-01 $162,400 (57.0%) $184,495 (25.2%) 0.00 47
2024-08-01 $152,900 (3.7%) $177,952 (9.6%) 0.00 53
2024-09-01 $134,925 (-7.0%) $180,029 (10.9%) 0.00 64
2024-10-01 $129,875 (-6.3%) $174,675 (8.6%) 0.00 70
2024-11-01 $144,900 (-0.9%) $171,312 (2.7%) 0.00 64
2024-12-01 $129,250 (-7.7%) $164,409 (2.0%) 0.00 60
2025-01-01 $144,900 (-0.9%) $175,125 (6.3%) 0.00 50
2025-02-01 $144,950 (7.8%) $185,572 (11.3%) 0.00 52
2025-03-01 $150,000 (16.5%) $191,879 (22.9%) 0.00 54
Taylorville's median listing price for 2025-03-01 was $150,000, a difference of $21,250 (16.5%) versus the prior year and $5,050 versus the prior month.

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

Taylorville's average listing price for 2025-03-01 was $191,879, a difference of $35,746 (22.9%) versus the prior year and $6,307 versus the prior month.

For the 2025-03-01 period, Taylorville had 54 MLS listings, a difference of 2 listings (4%) versus the prior month and 19 listings (54%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Taylorville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,451 sqft
2018-02-01 0 days 1,432 sqft
2018-03-01 0 days 1,421 sqft
2018-04-01 0 days 1,473 sqft
2018-05-01 0 days 1,431 sqft
2018-06-01 0 days 1,432 sqft
2018-07-01 0 days 1,414 sqft
2018-08-01 0 days 1,346 sqft
2018-09-01 0 days 1,342 sqft
2018-10-01 0 days 1,269 sqft
2018-11-01 0 days 1,320 sqft
2018-12-01 0 days 1,335 sqft
2019-01-01 0 days 1,356 sqft
2019-02-01 0 days 1,375 sqft
2019-03-01 0 days 1,295 sqft
2019-04-01 0 days 1,307 sqft
2019-05-01 0 days 1,274 sqft
2019-06-01 0 days 1,316 sqft
2019-07-01 0 days 1,322 sqft
2019-08-01 0 days 1,375 sqft
2019-09-01 0 days 1,411 sqft
2019-10-01 0 days 1,461 sqft
2019-11-01 0 days 1,559 sqft
2019-12-01 0 days 1,547 sqft
2020-01-01 0 days 1,372 sqft
2020-02-01 0 days 1,396 sqft
2020-03-01 0 days 1,384 sqft
2020-04-01 0 days 1,398 sqft
2020-05-01 0 days 1,362 sqft
2020-06-01 0 days 1,290 sqft
2020-07-01 0 days 1,266 sqft
2020-08-01 0 days 1,296 sqft
2020-09-01 0 days 1,389 sqft
2020-10-01 0 days 1,296 sqft
2020-11-01 0 days 1,270 sqft
2020-12-01 0 days 1,383 sqft
2021-01-01 0 days 1,292 sqft
2021-02-01 0 days 1,296 sqft
2021-03-01 0 days 1,308 sqft
2021-04-01 0 days 1,253 sqft
2021-05-01 0 days 1,440 sqft
2021-06-01 0 days 1,296 sqft
2021-07-01 0 days 1,296 sqft
2021-08-01 0 days 1,164 sqft
2021-09-01 0 days 1,137 sqft
2021-10-01 0 days 1,135 sqft
2021-11-01 0 days 1,202 sqft
2021-12-01 0 days 1,200 sqft
2022-01-01 0 days 1,200 sqft
2022-02-01 0 days 1,104 sqft
2022-03-01 0 days 1,240 sqft
2022-04-01 0 days 1,343 sqft
2022-05-01 0 days 1,396 sqft
2022-06-01 0 days 1,351 sqft
2022-07-01 0 days 1,408 sqft
2022-08-01 0 days 1,380 sqft
2022-09-01 0 days 1,377 sqft
2022-10-01 0 days 1,444 sqft
2022-11-01 0 days 1,545 sqft
2022-12-01 0 days 1,392 sqft
2023-01-01 0 days 1,492 sqft
2023-02-01 0 days 1,592 sqft
2023-03-01 0 days 1,532 sqft
2023-04-01 0 days 1,467 sqft
2023-05-01 0 days 1,445 sqft
2023-06-01 0 days 1,623 sqft
2023-07-01 0 days 1,572 sqft
2023-08-01 0 days 1,690 sqft
2023-09-01 0 days 1,680 sqft
2023-10-01 0 days 1,654 sqft
2023-11-01 0 days 1,662 sqft
2023-12-01 0 days 1,659 sqft
2024-01-01 0 days 1,706 sqft
2024-02-01 0 days 1,680 sqft
2024-03-01 0 days 1,713 sqft
2024-04-01 0 days 1,720 sqft
2024-05-01 0 days 1,712 sqft
2024-06-01 0 days 1,553 sqft
2024-07-01 0 days 1,678 sqft
2024-08-01 0 days 1,816 sqft
2024-09-01 0 days 1,840 sqft
2024-10-01 0 days 1,715 sqft
2024-11-01 0 days 1,700 sqft
2024-12-01 0 days 1,671 sqft
2025-01-01 0 days 1,739 sqft
2025-02-01 0 days 1,733 sqft
2025-03-01 0 days 1,837 sqft
Taylorville's median listing age (time on market) for 2025-03-01 was 0 days.

Taylorville's median square footage for active listings during the 2025-03-01 period was 1,837 sqft. One year prior, the average listing was 1,713 sqft.