Wheeling USDA Loan Rates, Closing Costs & Stats
WHEELING, WV-OH
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.
Wheeling's 18 lenders originated 66 USDA loans during 2024. The total origination value was $8,800,000, with an average USDA loan value of $133,333.
Wheeling USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Wheeling
averaged
6.44%
for the week of 2025-04-11, compared to the national average (all USDA variants) of
6.449% for the same period.
Wheeling's average USDA mortgage closing costs are $4,844.
The average rate for the prior week (2025-04-04) was
6.6% and
one month ago for the week of 2025-03-07, the
average rate was 6.47%.
The average rate one year ago was 6.62%.
For refis of the same type during the week of 2025-04-11, the average rate
was 6.54%.
Wheeling 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 Wheeling level.
Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
---|---|---|---|
DAS Acquisition Company, LLC | 11 | 6.66% | $6,732 |
DEVELOPER'S MORTGAGE COMPANY | 9 | 6.28% | $3,312 |
UNION HOME MORTGAGE CORP. | 9 | 7.08% | $6,387 |
MORTGAGE SOLUTIONS OF COLORADO, LLC | 6 | 7.71% | $5,347 |
Equity Prime Mortgage LLC | 5 | 6.80% | $4,865 |
MID AMERICA MORTGAGE, INC. | 3 | 6.25% | $4,028 |
POLARIS HOME FUNDING CORP. | 3 | 6.21% | $6,414 |
WesBanco | 3 | 6.17% | $6,480 |
U.S. Bank | 2 | 6.25% | $5,764 |
UNITED WHOLESALE MORTGAGE, LLC | 2 | 6.50% | $5,587 |
LIBERTY HOME MORTGAGE CORPORATION | 1 | 6.75% | $6,540 |
CREDIT UNION MORTGAGE ASSOCIATION, INC. | 1 | 6.50% | $4,600 |
CROSSCOUNTRY MORTGAGE, LLC | 1 | 7.13% | $7,770 |
Gateway First Bank | 1 | 6.75% | $5,191 |
HOMESIDE FINANCIAL, LLC | 1 | 7.00% | $6,988 |
Hometown Equity Mortgage, LLC | 1 | 6.88% | $5,281 |
AMERICAN FINANCIAL RESOURCES, INC. | 1 | 6.63% | $7,361 |
LOANDEPOT.COM, LLC | 1 | 6.99% | $5,377 |
The top Wheeling USDA lender as defined by loan originations is DAS Acquisition Company, LLC, with
11 USDA loans originated. Their average total fees are
$6,732, which is $3,419
higher than the next largest lender,
DEVELOPER'S MORTGAGE COMPANY.
The lowest fee Wheeling USDA lenders (with over 10 loans originated) are
DAS Acquisition Company, LLC ($6,732), .
The lowest rate Wheeling USDA lenders (with over 10 loans originated) are
DAS Acquisition Company, LLC (6.66%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Wheeling (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $125,000 (0.8%) | $181,103 (15.8%) | 0.46 | 337 |
2018-02-01 | $124,425 (2.6%) | $180,391 (16.6%) | 0.45 | 323 |
2018-03-01 | $130,000 (8.4%) | $188,335 (22.0%) | 0.46 | 327 |
2018-04-01 | $135,000 (8.0%) | $198,839 (26.3%) | 0.46 | 337 |
2018-05-01 | $137,450 (7.5%) | $205,245 (26.3%) | 0.46 | 330 |
2018-06-01 | $139,450 (8.1%) | $204,242 (19.2%) | 0.47 | 349 |
2018-07-01 | $134,950 (7.1%) | $198,475 (18.1%) | 0.45 | 379 |
2018-08-01 | $134,175 (7.1%) | $205,483 (21.9%) | 0.45 | 373 |
2018-09-01 | $129,999 (2.8%) | $201,080 (14.1%) | 0.44 | 367 |
2018-10-01 | $136,000 (7.8%) | $196,472 (9.8%) | 0.46 | 359 |
2018-11-01 | $139,925 (12.0%) | $199,598 (12.3%) | 0.47 | 346 |
2018-12-01 | $139,900 (11.9%) | $196,283 (6.3%) | 0.48 | 331 |
2019-01-01 | $144,375 (15.5%) | $202,719 (11.9%) | 0.50 | 302 |
2019-02-01 | $139,900 (12.4%) | $197,366 (9.4%) | 0.47 | 277 |
2019-03-01 | $133,514 (2.7%) | $196,891 (4.5%) | 0.44 | 262 |
2019-04-01 | $128,064 (-5.1%) | $202,328 (1.8%) | 0.41 | 266 |
2019-05-01 | $128,125 (-6.8%) | $203,800 (-0.7%) | 0.40 | 294 |
2019-06-01 | $129,900 (-6.9%) | $195,410 (-4.3%) | 0.41 | 317 |
2019-07-01 | $129,900 (-3.7%) | $190,152 (-4.2%) | 0.41 | 325 |
2019-08-01 | $124,895 (-6.9%) | $183,985 (-10.5%) | 0.40 | 353 |
2019-09-01 | $122,114 (-6.1%) | $182,098 (-9.4%) | 0.39 | 374 |
2019-10-01 | $120,259 (-11.6%) | $179,067 (-8.9%) | 0.39 | 392 |
2019-11-01 | $114,900 (-17.9%) | $170,009 (-14.8%) | 0.38 | 395 |
2019-12-01 | $111,525 (-20.3%) | $163,773 (-16.6%) | 0.37 | 376 |
2020-01-01 | $111,525 (-22.8%) | $161,261 (-20.5%) | 0.37 | 369 |
2020-02-01 | $114,900 (-17.9%) | $166,208 (-15.8%) | 0.38 | 346 |
2020-03-01 | $125,000 (-6.4%) | $175,455 (-10.9%) | 0.39 | 334 |
2020-04-01 | $129,450 (1.1%) | $178,551 (-11.8%) | 0.41 | 332 |
2020-05-01 | $137,850 (7.6%) | $195,548 (-4.1%) | 0.42 | 331 |
2020-06-01 | $139,700 (7.5%) | $202,918 (3.8%) | 0.41 | 325 |
2020-07-01 | $149,900 (15.4%) | $206,632 (8.7%) | 0.43 | 318 |
2020-08-01 | $129,900 (4.0%) | $188,153 (2.3%) | 0.37 | 308 |
2020-09-01 | $130,200 (6.6%) | $189,124 (3.9%) | 0.37 | 315 |
2020-10-01 | $134,250 (11.6%) | $188,979 (5.5%) | 0.38 | 323 |
2020-11-01 | $129,950 (13.1%) | $190,041 (11.8%) | 0.38 | 349 |
2020-12-01 | $127,675 (14.5%) | $183,363 (12.0%) | 0.38 | 328 |
2021-01-01 | $125,000 (12.1%) | $177,032 (9.8%) | 0.37 | 270 |
2021-02-01 | $127,000 (10.5%) | $180,011 (8.3%) | 0.37 | 247 |
2021-03-01 | $125,800 (0.6%) | $177,903 (1.4%) | 0.36 | 239 |
2021-04-01 | $125,825 (-2.8%) | $174,799 (-2.1%) | 0.34 | 222 |
2021-05-01 | $138,250 (0.3%) | $179,419 (-8.3%) | 0.37 | 244 |
2021-06-01 | $149,750 (7.2%) | $203,783 (0.4%) | 0.39 | 242 |
2021-07-01 | $149,450 (-0.3%) | $206,563 (0.0%) | 0.39 | 274 |
2021-08-01 | $149,925 (15.4%) | $205,119 (9.0%) | 0.40 | 272 |
2021-09-01 | $147,450 (13.3%) | $199,691 (5.6%) | 0.39 | 265 |
2021-10-01 | $157,200 (17.1%) | $206,626 (9.3%) | 0.42 | 263 |
2021-11-01 | $147,375 (13.4%) | $201,211 (5.9%) | 0.39 | 258 |
2021-12-01 | $145,000 (13.6%) | $198,436 (8.2%) | 0.39 | 258 |
2022-01-01 | $139,950 (12.0%) | $204,015 (15.2%) | 0.38 | 201 |
2022-02-01 | $134,675 (6.0%) | $198,937 (10.5%) | 0.35 | 186 |
2022-03-01 | $131,975 (4.9%) | $200,862 (12.9%) | 0.33 | 199 |
2022-04-01 | $152,500 (21.2%) | $233,044 (33.3%) | 0.36 | 179 |
2022-05-01 | $146,225 (5.8%) | $225,937 (25.9%) | 0.33 | 198 |
2022-06-01 | $154,500 (3.2%) | $213,081 (4.6%) | 0.34 | 225 |
2022-07-01 | $159,700 (6.9%) | $219,607 (6.3%) | 0.36 | 243 |
2022-08-01 | $164,975 (10.0%) | $228,170 (11.2%) | 0.38 | 260 |
2022-09-01 | $165,875 (12.5%) | $230,518 (15.4%) | 0.39 | 268 |
2022-10-01 | $157,950 (0.5%) | $213,905 (3.5%) | 0.37 | 271 |
2022-11-01 | $162,750 (10.4%) | $212,909 (5.8%) | 0.39 | 267 |
2022-12-01 | $159,750 (10.2%) | $214,259 (8.0%) | 0.39 | 235 |
2023-01-01 | $160,000 (14.3%) | $197,028 (-3.4%) | 0.40 | 211 |
2023-02-01 | $161,000 (19.6%) | $212,395 (6.8%) | 0.39 | 204 |
2023-03-01 | $157,475 (19.3%) | $211,802 (5.5%) | 0.37 | 193 |
2023-04-01 | $155,000 (1.6%) | $215,563 (-7.5%) | 0.36 | 214 |
2023-05-01 | $152,500 (4.3%) | $212,212 (-6.1%) | 0.35 | 212 |
2023-06-01 | $157,075 (1.7%) | $227,603 (6.8%) | 0.35 | 218 |
2023-07-01 | $159,000 (-0.4%) | $218,352 (-0.6%) | 0.36 | 226 |
2023-08-01 | $156,225 (-5.3%) | $212,846 (-6.7%) | 0.36 | 218 |
2023-09-01 | $160,000 (-3.5%) | $226,307 (-1.8%) | 0.37 | 221 |
2023-10-01 | $161,000 (1.9%) | $222,114 (3.8%) | 0.38 | 242 |
2023-11-01 | $159,250 (-2.2%) | $217,707 (2.3%) | 0.38 | 262 |
2023-12-01 | $159,000 (-0.5%) | $224,810 (4.9%) | 0.39 | 243 |
2024-01-01 | $149,500 (-6.6%) | $216,059 (9.7%) | 0.37 | 228 |
2024-02-01 | $149,000 (-7.5%) | $218,122 (2.7%) | 0.36 | 229 |
2024-03-01 | $160,000 (1.6%) | $228,799 (8.0%) | 0.38 | 247 |
2024-04-01 | $165,625 (6.9%) | $226,368 (5.0%) | 0.39 | 242 |
2024-05-01 | $168,950 (10.8%) | $221,157 (4.2%) | 0.39 | 235 |
2024-06-01 | $179,000 (14.0%) | $223,481 (-1.8%) | 0.40 | 268 |
2024-07-01 | $167,000 (5.0%) | $217,057 (-0.6%) | 0.38 | 271 |
2024-08-01 | $161,000 (3.1%) | $207,380 (-2.6%) | 0.37 | 304 |
2024-09-01 | $173,650 (8.5%) | $198,731 (-12.2%) | 0.41 | 327 |
2024-10-01 | $173,675 (7.9%) | $197,942 (-10.9%) | 0.41 | 354 |
2024-11-01 | $169,450 (6.4%) | $199,423 (-8.4%) | 0.41 | 343 |
2024-12-01 | $172,450 (8.5%) | $210,962 (-6.2%) | 0.43 | 315 |
2025-01-01 | $174,725 (16.9%) | $211,830 (-2.0%) | 0.00 | 281 |
2025-02-01 | $169,900 (14.0%) | $207,074 (-5.1%) | 0.00 | 266 |
2025-03-01 | $169,950 (6.2%) | $213,579 (-6.7%) | 0.00 | 237 |
Wheeling's median listing price comes in at 0% of the national average.
Wheeling's average listing price for 2025-03-01 was $213,579, a difference of $-15,220 (-6.7%) versus the prior year and $6,505 versus the prior month.
For the 2025-03-01 period, Wheeling had 237 MLS listings, a difference of -29 listings (-11%) versus the prior month and -10 listings (-4%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Wheeling (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 114 days | 1,490 sqft |
2018-02-01 | 118 days | 1,511 sqft |
2018-03-01 | 102 days | 1,520 sqft |
2018-04-01 | 67 days | 1,513 sqft |
2018-05-01 | 63 days | 1,533 sqft |
2018-06-01 | 69 days | 1,557 sqft |
2018-07-01 | 68 days | 1,612 sqft |
2018-08-01 | 71 days | 1,682 sqft |
2018-09-01 | 75 days | 1,700 sqft |
2018-10-01 | 79 days | 1,724 sqft |
2018-11-01 | 81 days | 1,729 sqft |
2018-12-01 | 86 days | 1,727 sqft |
2019-01-01 | 105 days | 1,731 sqft |
2019-02-01 | 107 days | 1,730 sqft |
2019-03-01 | 84 days | 1,733 sqft |
2019-04-01 | 61 days | 1,729 sqft |
2019-05-01 | 55 days | 1,548 sqft |
2019-06-01 | 59 days | 1,593 sqft |
2019-07-01 | 65 days | 1,669 sqft |
2019-08-01 | 70 days | 1,638 sqft |
2019-09-01 | 68 days | 1,608 sqft |
2019-10-01 | 67 days | 1,584 sqft |
2019-11-01 | 75 days | 1,608 sqft |
2019-12-01 | 84 days | 1,570 sqft |
2020-01-01 | 94 days | 1,554 sqft |
2020-02-01 | 110 days | 1,548 sqft |
2020-03-01 | 98 days | 1,604 sqft |
2020-04-01 | 93 days | 1,608 sqft |
2020-05-01 | 81 days | 1,615 sqft |
2020-06-01 | 84 days | 1,655 sqft |
2020-07-01 | 73 days | 1,736 sqft |
2020-08-01 | 61 days | 1,700 sqft |
2020-09-01 | 60 days | 1,676 sqft |
2020-10-01 | 60 days | 1,687 sqft |
2020-11-01 | 58 days | 1,672 sqft |
2020-12-01 | 71 days | 1,634 sqft |
2021-01-01 | 88 days | 1,618 sqft |
2021-02-01 | 102 days | 1,664 sqft |
2021-03-01 | 81 days | 1,667 sqft |
2021-04-01 | 61 days | 1,707 sqft |
2021-05-01 | 52 days | 1,715 sqft |
2021-06-01 | 51 days | 1,714 sqft |
2021-07-01 | 52 days | 1,659 sqft |
2021-08-01 | 53 days | 1,645 sqft |
2021-09-01 | 59 days | 1,588 sqft |
2021-10-01 | 60 days | 1,582 sqft |
2021-11-01 | 60 days | 1,557 sqft |
2021-12-01 | 64 days | 1,554 sqft |
2022-01-01 | 82 days | 1,551 sqft |
2022-02-01 | 94 days | 1,556 sqft |
2022-03-01 | 74 days | 1,594 sqft |
2022-04-01 | 53 days | 1,665 sqft |
2022-05-01 | 52 days | 1,636 sqft |
2022-06-01 | 47 days | 1,712 sqft |
2022-07-01 | 54 days | 1,725 sqft |
2022-08-01 | 57 days | 1,682 sqft |
2022-09-01 | 54 days | 1,700 sqft |
2022-10-01 | 61 days | 1,672 sqft |
2022-11-01 | 68 days | 1,601 sqft |
2022-12-01 | 82 days | 1,589 sqft |
2023-01-01 | 79 days | 1,526 sqft |
2023-02-01 | 85 days | 1,568 sqft |
2023-03-01 | 56 days | 1,574 sqft |
2023-04-01 | 47 days | 1,600 sqft |
2023-05-01 | 55 days | 1,580 sqft |
2023-06-01 | 56 days | 1,651 sqft |
2023-07-01 | 50 days | 1,528 sqft |
2023-08-01 | 62 days | 1,525 sqft |
2023-09-01 | 53 days | 1,595 sqft |
2023-10-01 | 50 days | 1,616 sqft |
2023-11-01 | 57 days | 1,591 sqft |
2023-12-01 | 68 days | 1,588 sqft |
2024-01-01 | 79 days | 1,545 sqft |
2024-02-01 | 72 days | 1,555 sqft |
2024-03-01 | 52 days | 1,599 sqft |
2024-04-01 | 57 days | 1,622 sqft |
2024-05-01 | 60 days | 1,627 sqft |
2024-06-01 | 54 days | 1,627 sqft |
2024-07-01 | 55 days | 1,603 sqft |
2024-08-01 | 54 days | 1,584 sqft |
2024-09-01 | 53 days | 1,580 sqft |
2024-10-01 | 61 days | 1,603 sqft |
2024-11-01 | 66 days | 1,560 sqft |
2024-12-01 | 72 days | 1,612 sqft |
2025-01-01 | 0 days | 1,610 sqft |
2025-02-01 | 0 days | 1,594 sqft |
2025-03-01 | 0 days | 1,630 sqft |
Wheeling's median square footage for active listings during the 2025-03-01 period was 1,630 sqft. One year prior, the average listing was 1,599 sqft.