Wauchula USDA Loan Rates, Closing Costs & Stats

Wauchula, 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.

    Wauchula's 5 lenders originated 7 USDA loans during 2023. The total origination value was $1,555,000, with an average USDA loan value of $222,143.

    Wauchula USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Wauchula averaged 6.5% for the week of 2025-01-10, compared to the national average (all USDA variants) of 6.521% for the same period.

    Wauchula's average USDA mortgage closing costs are $6,563.

    The average rate for the prior week (2025-01-03) was 6.49% and one month ago for the week of 2024-12-06, the average rate was 6.22%.

    The average rate one year ago was 6.55%.

    For refis of the same type during the week of 2025-01-10, the average rate was 6.72%.

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

    Wauchula 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 Wauchula level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    METROPLEX MORTGAGE SERVICES, INC. 2 6.56% $8,741
    NTFN, INC. 2 7.25% $10,749
    Bell Bank 1 6.25% $5,435
    MOVEMENT MORTGAGE, LLC 1 7.25% $6,786
    UNITED WHOLESALE MORTGAGE, LLC 1 6.25% $5,902

    The top Wauchula USDA lender as defined by loan originations is METROPLEX MORTGAGE SERVICES, INC., with 2 USDA loans originated. Their average total fees are $8,741, which is $2,009 lower than the next largest lender, NTFN, INC..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Wauchula (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 $179,550 (11.4%) $238,242 (-6.1%) 0.00 34
    2018-02-01 $187,950 (10.6%) $224,823 (-15.7%) 0.00 28
    2018-03-01 $178,500 (-0.4%) $202,934 (-29.0%) 0.00 26
    2018-04-01 $182,500 (4.0%) $228,826 (-16.8%) 0.00 29
    2018-05-01 $237,375 (31.2%) $279,737 (1.3%) 0.00 28
    2018-06-01 $225,000 (26.6%) $261,195 (1.5%) 0.00 37
    2018-07-01 $214,475 (38.0%) $255,641 (17.1%) 0.00 40
    2018-08-01 $235,950 (41.3%) $283,035 (27.5%) 0.00 37
    2018-09-01 $209,900 (24.4%) $272,369 (21.7%) 0.00 38
    2018-10-01 $194,950 (2.6%) $252,463 (0.2%) 0.00 38
    2018-11-01 $192,750 (-6.2%) $242,801 (-4.2%) 0.00 46
    2018-12-01 $204,950 (4.6%) $275,298 (7.7%) 0.00 47
    2019-01-01 $224,975 (25.3%) $282,970 (18.8%) 0.00 45
    2019-02-01 $224,925 (19.7%) $333,576 (48.4%) 0.00 47
    2019-03-01 $251,707 (41.0%) $376,387 (85.5%) 0.00 42
    2019-04-01 $244,207 (33.8%) $392,543 (71.6%) 0.00 40
    2019-05-01 $219,900 (-7.4%) $376,318 (34.5%) 0.00 35
    2019-06-01 $222,400 (-1.2%) $352,518 (35.0%) 0.00 34
    2019-07-01 $203,675 (-5.0%) $316,265 (23.7%) 0.00 38
    2019-08-01 $216,291 (-8.3%) $321,734 (13.7%) 0.00 39
    2019-09-01 $218,377 (4.0%) $326,091 (19.7%) 0.00 42
    2019-10-01 $219,518 (12.6%) $327,281 (29.6%) 0.00 43
    2019-11-01 $219,900 (14.1%) $321,366 (32.4%) 0.00 43
    2019-12-01 $210,925 (2.9%) $325,530 (18.3%) 0.00 38
    2020-01-01 $227,700 (1.2%) $335,810 (18.7%) 0.00 35
    2020-02-01 $207,000 (-8.0%) $320,053 (-4.1%) 0.00 27
    2020-03-01 $181,175 (-28.0%) $289,065 (-23.2%) 0.00 24
    2020-04-01 $178,650 (-26.8%) $239,948 (-38.9%) 0.00 18
    2020-05-01 $199,000 (-9.5%) $245,576 (-34.7%) 0.00 21
    2020-06-01 $213,700 (-3.9%) $285,120 (-19.1%) 0.00 19
    2020-07-01 $219,700 (7.9%) $292,756 (-7.4%) 0.00 15
    2020-08-01 $249,500 (15.4%) $332,400 (3.3%) 0.00 11
    2020-09-01 $202,100 (-7.5%) $265,931 (-18.5%) 0.00 15
    2020-10-01 $194,450 (-11.4%) $264,147 (-19.3%) 0.00 18
    2020-11-01 $162,400 (-26.2%) $308,100 (-4.1%) 0.00 20
    2020-12-01 $180,925 (-14.2%) $302,989 (-6.9%) 0.00 22
    2021-01-01 $199,450 (-12.4%) $313,600 (-6.6%) 0.00 22
    2021-02-01 $191,700 (-7.4%) $320,160 (0.0%) 0.00 17
    2021-03-01 $253,950 (40.2%) $346,606 (19.9%) 0.00 15
    2021-04-01 $264,500 (48.1%) $423,673 (76.6%) 0.00 13
    2021-05-01 $292,250 (46.9%) $436,248 (77.6%) 0.00 16
    2021-06-01 $394,975 (84.8%) $451,906 (58.5%) 0.00 18
    2021-07-01 $412,500 (87.8%) $454,767 (55.3%) 0.00 20
    2021-08-01 $410,000 (64.3%) $445,644 (34.1%) 0.00 22
    2021-09-01 $442,500 (119.0%) $517,285 (94.5%) 0.00 21
    2021-10-01 $419,250 (115.6%) $500,671 (89.5%) 0.00 22
    2021-11-01 $412,125 (153.8%) $472,397 (53.3%) 0.00 19
    2021-12-01 $393,750 (117.6%) $491,081 (62.1%) 0.00 19
    2022-01-01 $395,000 (98.0%) $474,058 (51.2%) 0.00 17
    2022-02-01 $416,250 (117.1%) $533,818 (66.7%) 0.00 19
    2022-03-01 $435,000 (71.3%) $564,486 (62.9%) 0.00 19
    2022-04-01 $420,000 (58.8%) $538,389 (27.1%) 0.00 19
    2022-05-01 $401,250 (37.3%) $601,812 (38.0%) 0.00 20
    2022-06-01 $399,975 (1.3%) $554,126 (22.6%) 0.00 24
    2022-07-01 $280,000 (-32.1%) $418,605 (-8.0%) 0.00 42
    2022-08-01 $287,000 (-30.0%) $425,196 (-4.6%) 0.00 37
    2022-09-01 $298,825 (-32.5%) $434,548 (-16.0%) 0.00 33
    2022-10-01 $309,000 (-26.3%) $431,683 (-13.8%) 0.00 33
    2022-11-01 $294,750 (-28.5%) $461,736 (-2.3%) 0.00 30
    2022-12-01 $287,950 (-26.9%) $405,488 (-17.4%) 0.00 28
    2023-01-01 $302,425 (-23.4%) $424,220 (-10.5%) 0.00 32
    2023-02-01 $358,750 (-13.8%) $488,346 (-8.5%) 0.00 27
    2023-03-01 $308,675 (-29.0%) $494,969 (-12.3%) 0.00 25
    2023-04-01 $380,000 (-9.5%) $483,119 (-10.3%) 0.00 28
    2023-05-01 $344,950 (-14.0%) $451,121 (-25.0%) 0.00 27
    2023-06-01 $344,750 (-13.8%) $436,642 (-21.2%) 0.00 28
    2023-07-01 $352,500 (25.9%) $397,147 (-5.1%) 0.00 31
    2023-08-01 $327,750 (14.2%) $383,433 (-9.8%) 0.00 30
    2023-09-01 $399,900 (33.8%) $420,336 (-3.3%) 0.00 30
    2023-10-01 $312,400 (1.1%) $397,108 (-8.0%) 0.00 35
    2023-11-01 $326,175 (10.7%) $471,218 (2.1%) 0.00 37
    2023-12-01 $349,950 (21.5%) $475,520 (17.3%) 0.00 37
    2024-01-01 $398,425 (31.7%) $502,667 (18.5%) 0.00 35
    2024-02-01 $404,900 (12.9%) $454,796 (-6.9%) 0.00 35
    2024-03-01 $369,900 (19.8%) $421,886 (-14.8%) 0.00 35
    2024-04-01 $333,975 (-12.1%) $489,809 (1.4%) 0.00 45
    2024-05-01 $345,475 (0.2%) $510,018 (13.1%) 0.00 50
    2024-06-01 $399,900 (16.0%) $539,748 (23.6%) 0.00 45
    2024-07-01 $367,400 (4.2%) $529,665 (33.4%) 0.00 49
    2024-08-01 $388,500 (18.5%) $499,591 (30.3%) 0.00 47
    2024-09-01 $323,475 (-19.1%) $444,426 (5.7%) 0.00 44
    2024-10-01 $324,500 (3.9%) $436,289 (9.9%) 0.00 47
    2024-11-01 $329,900 (1.1%) $435,917 (-7.5%) 0.00 51
    2024-12-01 $312,500 (-10.7%) $434,253 (-8.7%) 0.00 52
    Wauchula's median listing price for 2024-12-01 was $312,500, a difference of $-37,450 (-10.7%) versus the prior year and $-17,400 versus the prior month.

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

    Wauchula's average listing price for 2024-12-01 was $434,253, a difference of $-41,267 (-8.7%) versus the prior year and $-1,664 versus the prior month.

    For the 2024-12-01 period, Wauchula had 52 MLS listings, a difference of 1 listings (2%) versus the prior month and 15 listings (41%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Wauchula (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 0 sqft
    2018-02-01 0 days 0 sqft
    2018-03-01 0 days 0 sqft
    2018-04-01 0 days 0 sqft
    2018-05-01 0 days 0 sqft
    2018-06-01 0 days 0 sqft
    2018-07-01 0 days 0 sqft
    2018-08-01 0 days 0 sqft
    2018-09-01 0 days 0 sqft
    2018-10-01 0 days 0 sqft
    2018-11-01 0 days 0 sqft
    2018-12-01 0 days 0 sqft
    2019-01-01 0 days 0 sqft
    2019-02-01 0 days 0 sqft
    2019-03-01 0 days 0 sqft
    2019-04-01 0 days 0 sqft
    2019-05-01 0 days 0 sqft
    2019-06-01 0 days 0 sqft
    2019-07-01 0 days 0 sqft
    2019-08-01 0 days 0 sqft
    2019-09-01 0 days 0 sqft
    2019-10-01 0 days 0 sqft
    2019-11-01 0 days 0 sqft
    2019-12-01 0 days 0 sqft
    2020-01-01 0 days 0 sqft
    2020-02-01 0 days 0 sqft
    2020-03-01 0 days 0 sqft
    2020-04-01 0 days 0 sqft
    2020-05-01 0 days 0 sqft
    2020-06-01 0 days 0 sqft
    2020-07-01 0 days 0 sqft
    2020-08-01 0 days 0 sqft
    2020-09-01 0 days 0 sqft
    2020-10-01 0 days 0 sqft
    2020-11-01 0 days 0 sqft
    2020-12-01 0 days 0 sqft
    2021-01-01 0 days 0 sqft
    2021-02-01 0 days 0 sqft
    2021-03-01 0 days 0 sqft
    2021-04-01 0 days 0 sqft
    2021-05-01 0 days 0 sqft
    2021-06-01 0 days 0 sqft
    2021-07-01 0 days 0 sqft
    2021-08-01 0 days 0 sqft
    2021-09-01 0 days 0 sqft
    2021-10-01 0 days 0 sqft
    2021-11-01 0 days 0 sqft
    2021-12-01 0 days 0 sqft
    2022-01-01 0 days 0 sqft
    2022-02-01 0 days 0 sqft
    2022-03-01 0 days 0 sqft
    2022-04-01 0 days 0 sqft
    2022-05-01 0 days 0 sqft
    2022-06-01 0 days 0 sqft
    2022-07-01 0 days 0 sqft
    2022-08-01 0 days 0 sqft
    2022-09-01 0 days 0 sqft
    2022-10-01 0 days 0 sqft
    2022-11-01 0 days 0 sqft
    2022-12-01 0 days 0 sqft
    2023-01-01 0 days 0 sqft
    2023-02-01 0 days 0 sqft
    2023-03-01 0 days 0 sqft
    2023-04-01 0 days 0 sqft
    2023-05-01 0 days 0 sqft
    2023-06-01 0 days 0 sqft
    2023-07-01 0 days 0 sqft
    2023-08-01 0 days 0 sqft
    2023-09-01 0 days 0 sqft
    2023-10-01 0 days 0 sqft
    2023-11-01 0 days 0 sqft
    2023-12-01 0 days 0 sqft
    2024-01-01 0 days 0 sqft
    2024-02-01 0 days 0 sqft
    2024-03-01 0 days 0 sqft
    2024-04-01 0 days 0 sqft
    2024-05-01 0 days 0 sqft
    2024-06-01 0 days 0 sqft
    2024-07-01 0 days 0 sqft
    2024-08-01 0 days 0 sqft
    2024-09-01 0 days 0 sqft
    2024-10-01 0 days 0 sqft
    2024-11-01 0 days 0 sqft
    2024-12-01 0 days 0 sqft
    Wauchula's median listing age (time on market) for 2024-12-01 was 0 days.

    Wauchula's median square footage for active listings during the 2024-12-01 period was 0 sqft. One year prior, the average listing was 0 sqft.