Wausau USDA Loan Rates, Closing Costs & Stats

WAUSAU-WESTON, WI

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Wausau's 6 lenders originated 14 USDA loans during 2023. The total origination value was $2,230,000, with an average USDA loan value of $159,286.

    Wausau USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Wausau averaged 6.64% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Wausau's average USDA mortgage closing costs are $4,684.

    The average rate for the prior week (2025-02-07) was 6.3% and one month ago for the week of 2025-01-10, the average rate was 6.55%.

    The average rate one year ago was 6.74%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.36%.

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

    Wausau 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 Wausau level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 5 6.23% $7,008
    Nations Lending Corporation 4 7.19% $3,980
    Ixonia Bank 2 7.19% $9,031
    MOVEMENT MORTGAGE, LLC 1 6.75% $5,874
    Paramount Residential Mortgage Group, Inc. 1 7.13% $5,307
    T2 FINANCIAL LLC 1 7.25% $5,965

    The top Wausau USDA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 5 USDA loans originated. Their average total fees are $7,008, which is $3,029 higher than the next largest lender, Nations Lending Corporation.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Wausau (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 $187,425 (25.0%) $233,101 (20.9%) 0.64 447
    2018-02-01 $198,905 (26.8%) $239,968 (21.0%) 0.66 437
    2018-03-01 $199,721 (22.6%) $242,519 (19.4%) 0.66 470
    2018-04-01 $198,861 (17.1%) $244,346 (18.2%) 0.64 505
    2018-05-01 $198,248 (13.9%) $241,235 (13.8%) 0.63 564
    2018-06-01 $198,698 (13.5%) $239,849 (10.7%) 0.63 633
    2018-07-01 $198,675 (10.4%) $238,086 (7.4%) 0.63 634
    2018-08-01 $190,650 (6.0%) $232,233 (3.7%) 0.60 653
    2018-09-01 $189,900 (6.2%) $228,534 (4.3%) 0.60 630
    2018-10-01 $189,900 (5.6%) $228,097 (1.8%) 0.61 592
    2018-11-01 $198,950 (10.6%) $234,049 (4.1%) 0.63 532
    2018-12-01 $204,900 (17.2%) $241,223 (8.2%) 0.66 452
    2019-01-01 $214,900 (14.7%) $245,765 (5.4%) 0.66 391
    2019-02-01 $214,925 (8.1%) $242,203 (0.9%) 0.64 399
    2019-03-01 $208,500 (4.4%) $241,104 (-0.6%) 0.63 431
    2019-04-01 $199,325 (0.2%) $238,343 (-2.5%) 0.61 460
    2019-05-01 $199,900 (0.8%) $240,057 (-0.5%) 0.59 495
    2019-06-01 $205,745 (3.6%) $244,968 (2.1%) 0.62 525
    2019-07-01 $200,938 (1.1%) $245,766 (3.2%) 0.62 552
    2019-08-01 $200,595 (5.2%) $247,990 (6.8%) 0.62 551
    2019-09-01 $201,638 (6.2%) $251,419 (10.0%) 0.63 551
    2019-10-01 $205,725 (8.3%) $253,705 (11.2%) 0.64 549
    2019-11-01 $209,000 (5.1%) $252,914 (8.1%) 0.65 501
    2019-12-01 $208,000 (1.5%) $250,877 (4.0%) 0.64 427
    2020-01-01 $197,850 (-7.9%) $248,711 (1.2%) 0.62 365
    2020-02-01 $199,900 (-7.0%) $246,091 (1.6%) 0.61 372
    2020-03-01 $209,675 (0.6%) $249,146 (3.3%) 0.61 438
    2020-04-01 $214,900 (7.8%) $255,964 (7.4%) 0.63 448
    2020-05-01 $249,900 (25.0%) $293,946 (22.5%) 0.73 261
    2020-06-01 $259,900 (26.3%) $297,879 (21.6%) 0.71 232
    2020-07-01 $253,650 (26.2%) $297,282 (21.0%) 0.68 213
    2020-08-01 $239,900 (19.6%) $288,779 (16.5%) 0.66 207
    2020-09-01 $233,622 (15.9%) $278,888 (10.9%) 0.64 238
    2020-10-01 $220,000 (6.9%) $268,003 (5.6%) 0.62 240
    2020-11-01 $212,450 (1.7%) $260,659 (3.1%) 0.60 213
    2020-12-01 $209,900 (0.9%) $258,887 (3.2%) 0.60 185
    2021-01-01 $210,000 (6.1%) $265,669 (6.8%) 0.63 137
    2021-02-01 $210,000 (5.1%) $271,702 (10.4%) 0.58 111
    2021-03-01 $224,675 (7.2%) $267,146 (7.2%) 0.61 95
    2021-04-01 $224,900 (4.7%) $278,087 (8.6%) 0.60 87
    2021-05-01 $243,900 (-2.4%) $296,671 (0.9%) 0.64 86
    2021-06-01 $239,900 (-7.7%) $295,000 (-1.0%) 0.62 120
    2021-07-01 $239,000 (-5.8%) $290,766 (-2.2%) 0.61 157
    2021-08-01 $239,950 (0.0%) $285,398 (-1.2%) 0.62 168
    2021-09-01 $235,925 (1.0%) $287,539 (3.1%) 0.62 159
    2021-10-01 $249,900 (13.6%) $293,665 (9.6%) 0.67 168
    2021-11-01 $247,450 (16.5%) $302,577 (16.1%) 0.62 134
    2021-12-01 $277,900 (32.4%) $319,765 (23.5%) 0.70 114
    2022-01-01 $282,450 (34.5%) $318,955 (20.1%) 0.74 98
    2022-02-01 $286,514 (36.4%) $337,483 (24.2%) 0.79 81
    2022-03-01 $329,975 (46.9%) $353,327 (32.3%) 0.80 80
    2022-04-01 $359,405 (59.8%) $367,026 (32.0%) 0.83 85
    2022-05-01 $326,425 (33.8%) $354,079 (19.4%) 0.74 105
    2022-06-01 $296,175 (23.5%) $330,678 (12.1%) 0.66 118
    2022-07-01 $315,000 (31.8%) $346,917 (19.3%) 0.66 131
    2022-08-01 $323,450 (34.8%) $338,888 (18.7%) 0.67 139
    2022-09-01 $307,175 (30.2%) $333,822 (16.1%) 0.70 127
    2022-10-01 $295,000 (18.1%) $329,539 (12.2%) 0.66 130
    2022-11-01 $294,700 (19.1%) $337,697 (11.6%) 0.67 104
    2022-12-01 $299,900 (7.9%) $342,125 (7.0%) 0.69 86
    2023-01-01 $294,900 (4.4%) $347,157 (8.8%) 0.70 74
    2023-02-01 $291,200 (1.6%) $342,805 (1.6%) 0.66 70
    2023-03-01 $275,150 (-16.6%) $343,150 (-2.9%) 0.60 64
    2023-04-01 $299,900 (-16.6%) $365,495 (-0.4%) 0.63 60
    2023-05-01 $294,950 (-9.6%) $363,557 (2.7%) 0.64 73
    2023-06-01 $320,995 (8.4%) $368,259 (11.4%) 0.68 95
    2023-07-01 $339,900 (7.9%) $359,407 (3.6%) 0.70 116
    2023-08-01 $326,150 (0.8%) $373,625 (10.3%) 0.69 127
    2023-09-01 $299,945 (-2.4%) $359,551 (7.7%) 0.69 147
    2023-10-01 $299,575 (1.6%) $349,259 (6.0%) 0.69 148
    2023-11-01 $297,450 (0.9%) $345,473 (2.3%) 0.72 139
    2023-12-01 $316,950 (5.7%) $366,129 (7.0%) 0.76 114
    2024-01-01 $349,925 (18.7%) $385,973 (11.2%) 0.84 88
    2024-02-01 $350,725 (20.4%) $399,849 (16.6%) 0.84 77
    2024-03-01 $335,000 (21.8%) $349,927 (2.0%) 0.82 83
    2024-04-01 $346,150 (15.4%) $390,358 (6.8%) 0.83 76
    2024-05-01 $349,900 (18.6%) $392,100 (7.9%) 0.87 95
    2024-06-01 $345,900 (7.8%) $383,440 (4.1%) 0.83 127
    2024-07-01 $344,925 (1.5%) $378,147 (5.2%) 0.79 146
    2024-08-01 $329,900 (1.2%) $364,893 (-2.3%) 0.80 148
    2024-09-01 $319,800 (6.6%) $345,284 (-4.0%) 0.78 167
    2024-10-01 $304,400 (1.6%) $345,801 (-1.0%) 0.74 166
    2024-11-01 $299,000 (0.5%) $344,821 (-0.2%) 0.72 156
    2024-12-01 $301,950 (-4.7%) $364,679 (-0.4%) 0.77 127
    2025-01-01 $301,150 (-13.9%) $372,530 (-3.5%) 0.00 106
    Wausau's median listing price for 2025-01-01 was $301,150, a difference of $-48,775 (-13.9%) versus the prior year and $-800 versus the prior month.

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

    Wausau's average listing price for 2025-01-01 was $372,530, a difference of $-13,443 (-3.5%) versus the prior year and $7,851 versus the prior month.

    For the 2025-01-01 period, Wausau had 106 MLS listings, a difference of -21 listings (-17%) versus the prior month and 18 listings (20%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Wausau (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 99 days 2,153 sqft
    2018-02-01 97 days 2,160 sqft
    2018-03-01 68 days 2,160 sqft
    2018-04-01 60 days 2,117 sqft
    2018-05-01 54 days 2,113 sqft
    2018-06-01 47 days 2,100 sqft
    2018-07-01 52 days 2,080 sqft
    2018-08-01 60 days 2,031 sqft
    2018-09-01 64 days 2,000 sqft
    2018-10-01 72 days 1,979 sqft
    2018-11-01 81 days 2,021 sqft
    2018-12-01 99 days 2,128 sqft
    2019-01-01 100 days 2,053 sqft
    2019-02-01 96 days 2,078 sqft
    2019-03-01 75 days 2,036 sqft
    2019-04-01 59 days 2,008 sqft
    2019-05-01 49 days 2,000 sqft
    2019-06-01 45 days 1,988 sqft
    2019-07-01 48 days 2,000 sqft
    2019-08-01 54 days 1,987 sqft
    2019-09-01 59 days 1,984 sqft
    2019-10-01 61 days 1,979 sqft
    2019-11-01 73 days 2,008 sqft
    2019-12-01 87 days 1,969 sqft
    2020-01-01 94 days 1,973 sqft
    2020-02-01 95 days 2,012 sqft
    2020-03-01 66 days 2,074 sqft
    2020-04-01 66 days 2,080 sqft
    2020-05-01 77 days 2,132 sqft
    2020-06-01 76 days 2,264 sqft
    2020-07-01 64 days 2,236 sqft
    2020-08-01 65 days 2,089 sqft
    2020-09-01 59 days 2,030 sqft
    2020-10-01 52 days 1,961 sqft
    2020-11-01 69 days 1,861 sqft
    2020-12-01 81 days 1,867 sqft
    2021-01-01 94 days 1,803 sqft
    2021-02-01 91 days 1,825 sqft
    2021-03-01 51 days 1,957 sqft
    2021-04-01 49 days 1,934 sqft
    2021-05-01 38 days 1,976 sqft
    2021-06-01 31 days 2,001 sqft
    2021-07-01 38 days 1,941 sqft
    2021-08-01 42 days 1,954 sqft
    2021-09-01 47 days 1,954 sqft
    2021-10-01 49 days 1,960 sqft
    2021-11-01 56 days 1,944 sqft
    2021-12-01 68 days 2,025 sqft
    2022-01-01 86 days 1,877 sqft
    2022-02-01 64 days 1,968 sqft
    2022-03-01 45 days 2,017 sqft
    2022-04-01 35 days 2,128 sqft
    2022-05-01 25 days 2,049 sqft
    2022-06-01 34 days 2,047 sqft
    2022-07-01 40 days 2,067 sqft
    2022-08-01 39 days 2,068 sqft
    2022-09-01 45 days 2,084 sqft
    2022-10-01 46 days 2,027 sqft
    2022-11-01 51 days 1,985 sqft
    2022-12-01 73 days 2,043 sqft
    2023-01-01 88 days 2,111 sqft
    2023-02-01 88 days 2,030 sqft
    2023-03-01 57 days 2,056 sqft
    2023-04-01 47 days 2,075 sqft
    2023-05-01 33 days 2,025 sqft
    2023-06-01 29 days 1,987 sqft
    2023-07-01 35 days 1,936 sqft
    2023-08-01 38 days 1,983 sqft
    2023-09-01 38 days 1,944 sqft
    2023-10-01 50 days 1,862 sqft
    2023-11-01 51 days 1,794 sqft
    2023-12-01 56 days 1,833 sqft
    2024-01-01 73 days 1,998 sqft
    2024-02-01 62 days 1,976 sqft
    2024-03-01 49 days 1,850 sqft
    2024-04-01 46 days 2,027 sqft
    2024-05-01 23 days 2,045 sqft
    2024-06-01 36 days 2,086 sqft
    2024-07-01 42 days 2,105 sqft
    2024-08-01 43 days 2,023 sqft
    2024-09-01 43 days 1,943 sqft
    2024-10-01 44 days 1,903 sqft
    2024-11-01 54 days 1,848 sqft
    2024-12-01 77 days 1,858 sqft
    2025-01-01 0 days 1,844 sqft
    Wausau's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Wausau's median square footage for active listings during the 2025-01-01 period was 1,844 sqft. One year prior, the average listing was 1,998 sqft.