Williamsport USDA Loan Rates, Closing Costs & Stats
WILLIAMSPORT, PA
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.
Williamsport's 5 lenders originated 19 USDA loans during 2023. The total origination value was $3,085,000, with an average USDA loan value of $162,368.
Williamsport USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Williamsport
averaged
7.12%
for the week of 2024-04-19, compared to the national average (all USDA variants) of
6.863% for the same period.
Williamsport's average USDA mortgage closing costs are $5,944.
The average rate for the prior week (2024-04-12) was
6.87% and
one month ago for the week of 2024-03-15, the
average rate was 6.55%.
The average rate one year ago was 6.19%.
For refis of the same type during the week of 2024-04-19, the average rate
was 7.02%.
Williamsport 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 Williamsport level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | 6.34% | $6,484 |
| ALLIED MORTGAGE GROUP, INC. | 3 | 5.88% | $10,923 |
| Century Mortgage Company DBA Century Lending Company | 1 | 6.50% | $7,319 |
| TOP FLITE FINANCIAL, INC. | 1 | 6.63% | $8,216 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 5.13% | $13,195 |
The top Williamsport USDA lender as defined by loan originations is PRIMELENDING, A PLAINSCAPITAL COMPANY, with
4 USDA loans originated. Their average total fees are
$6,484, which is $4,438
lower than the next largest lender,
ALLIED MORTGAGE GROUP, INC..
The lowest fee Williamsport USDA lenders (with over 10 loans originated) are
.
The lowest rate Williamsport USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Williamsport (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 | $163,300 (4.9%) | $198,177 (-8.5%) | 0.00 | 297 |
| 2018-02-01 | $156,950 (-2.6%) | $195,961 (-12.8%) | 0.00 | 282 |
| 2018-03-01 | $159,900 (-2.0%) | $196,264 (-14.0%) | 0.00 | 282 |
| 2018-04-01 | $167,325 (-1.5%) | $211,509 (-9.4%) | 0.00 | 290 |
| 2018-05-01 | $170,975 (-0.9%) | $211,739 (-4.5%) | 0.00 | 291 |
| 2018-06-01 | $169,900 (3.0%) | $214,930 (0.7%) | 0.00 | 319 |
| 2018-07-01 | $173,725 (2.5%) | $219,093 (2.5%) | 0.00 | 328 |
| 2018-08-01 | $174,900 (1.9%) | $224,827 (4.4%) | 0.00 | 337 |
| 2018-09-01 | $169,200 (-3.6%) | $218,451 (-0.1%) | 0.00 | 337 |
| 2018-10-01 | $164,450 (-6.0%) | $214,935 (0.5%) | 0.00 | 318 |
| 2018-11-01 | $161,950 (-4.7%) | $217,029 (6.7%) | 0.00 | 297 |
| 2018-12-01 | $160,065 (-3.0%) | $245,798 (24.0%) | 0.00 | 287 |
| 2019-01-01 | $159,948 (-2.1%) | $245,037 (23.7%) | 0.00 | 271 |
| 2019-02-01 | $158,725 (1.1%) | $248,681 (26.9%) | 0.00 | 245 |
| 2019-03-01 | $156,929 (-1.9%) | $242,616 (23.6%) | 0.00 | 254 |
| 2019-04-01 | $154,900 (-7.4%) | $231,892 (9.6%) | 0.00 | 267 |
| 2019-05-01 | $160,450 (-6.2%) | $245,587 (16.0%) | 0.00 | 285 |
| 2019-06-01 | $159,900 (-5.9%) | $241,794 (12.5%) | 0.00 | 329 |
| 2019-07-01 | $157,225 (-9.5%) | $240,594 (9.8%) | 0.00 | 343 |
| 2019-08-01 | $157,909 (-9.7%) | $239,737 (6.6%) | 0.00 | 340 |
| 2019-09-01 | $156,273 (-7.6%) | $234,330 (7.3%) | 0.00 | 340 |
| 2019-10-01 | $157,632 (-4.2%) | $223,195 (3.8%) | 0.00 | 330 |
| 2019-11-01 | $151,000 (-6.8%) | $204,378 (-5.8%) | 0.00 | 324 |
| 2019-12-01 | $149,950 (-6.3%) | $205,312 (-16.5%) | 0.00 | 287 |
| 2020-01-01 | $152,400 (-4.7%) | $205,558 (-16.1%) | 0.00 | 254 |
| 2020-02-01 | $159,000 (0.2%) | $208,783 (-16.0%) | 0.00 | 250 |
| 2020-03-01 | $158,200 (0.8%) | $206,483 (-14.9%) | 0.00 | 244 |
| 2020-04-01 | $160,000 (3.3%) | $204,907 (-11.6%) | 0.00 | 217 |
| 2020-05-01 | $154,900 (-3.5%) | $211,507 (-13.9%) | 0.00 | 199 |
| 2020-06-01 | $142,950 (-10.6%) | $209,974 (-13.2%) | 0.00 | 176 |
| 2020-07-01 | $160,700 (2.2%) | $221,266 (-8.0%) | 0.00 | 182 |
| 2020-08-01 | $171,250 (8.5%) | $235,786 (-1.7%) | 0.00 | 175 |
| 2020-09-01 | $178,825 (14.4%) | $246,746 (5.3%) | 0.00 | 171 |
| 2020-10-01 | $174,900 (11.0%) | $235,834 (5.7%) | 0.00 | 181 |
| 2020-11-01 | $173,051 (14.6%) | $226,543 (10.8%) | 0.00 | 196 |
| 2020-12-01 | $168,200 (12.2%) | $228,677 (11.4%) | 0.00 | 164 |
| 2021-01-01 | $159,900 (4.9%) | $219,163 (6.6%) | 0.00 | 145 |
| 2021-02-01 | $163,849 (3.1%) | $234,068 (12.1%) | 0.00 | 128 |
| 2021-03-01 | $162,450 (2.7%) | $231,072 (11.9%) | 0.00 | 105 |
| 2021-04-01 | $169,925 (6.2%) | $239,559 (16.9%) | 0.00 | 103 |
| 2021-05-01 | $183,900 (18.7%) | $244,480 (15.6%) | 0.00 | 91 |
| 2021-06-01 | $182,675 (27.8%) | $238,930 (13.8%) | 0.00 | 91 |
| 2021-07-01 | $175,900 (9.5%) | $228,316 (3.2%) | 0.00 | 127 |
| 2021-08-01 | $174,275 (1.8%) | $228,915 (-2.9%) | 0.00 | 129 |
| 2021-09-01 | $174,850 (-2.2%) | $227,066 (-8.0%) | 0.00 | 138 |
| 2021-10-01 | $169,900 (-2.9%) | $233,467 (-1.0%) | 0.00 | 117 |
| 2021-11-01 | $169,900 (-1.8%) | $236,384 (4.3%) | 0.00 | 97 |
| 2021-12-01 | $172,450 (2.5%) | $248,685 (8.8%) | 0.00 | 98 |
| 2022-01-01 | $179,900 (12.5%) | $255,062 (16.4%) | 0.00 | 80 |
| 2022-02-01 | $178,175 (8.7%) | $273,179 (16.7%) | 0.00 | 59 |
| 2022-03-01 | $179,675 (10.6%) | $241,291 (4.4%) | 0.00 | 66 |
| 2022-04-01 | $186,450 (9.7%) | $249,862 (4.3%) | 0.00 | 69 |
| 2022-05-01 | $195,500 (6.3%) | $294,126 (20.3%) | 0.00 | 83 |
| 2022-06-01 | $222,950 (22.1%) | $298,859 (25.1%) | 0.00 | 110 |
| 2022-07-01 | $249,900 (42.1%) | $305,513 (33.8%) | 0.00 | 126 |
| 2022-08-01 | $239,675 (37.5%) | $303,477 (32.6%) | 0.00 | 131 |
| 2022-09-01 | $239,900 (37.2%) | $306,492 (35.0%) | 0.00 | 121 |
| 2022-10-01 | $225,000 (32.4%) | $268,709 (15.1%) | 0.00 | 141 |
| 2022-11-01 | $210,675 (24.0%) | $259,999 (10.0%) | 0.00 | 143 |
| 2022-12-01 | $199,900 (15.9%) | $257,068 (3.4%) | 0.00 | 123 |
| 2023-01-01 | $199,900 (11.1%) | $244,464 (-4.2%) | 0.00 | 121 |
| 2023-02-01 | $199,925 (12.2%) | $250,130 (-8.4%) | 0.00 | 93 |
| 2023-03-01 | $210,450 (17.1%) | $268,112 (11.1%) | 0.00 | 87 |
| 2023-04-01 | $222,450 (19.3%) | $286,738 (14.8%) | 0.00 | 91 |
| 2023-05-01 | $246,425 (26.1%) | $271,767 (-7.6%) | 0.00 | 99 |
| 2023-06-01 | $234,900 (5.4%) | $280,179 (-6.3%) | 0.00 | 113 |
| 2023-07-01 | $225,000 (-10.0%) | $304,694 (-0.3%) | 0.00 | 120 |
| 2023-08-01 | $235,225 (-1.9%) | $302,548 (-0.3%) | 0.00 | 134 |
| 2023-09-01 | $235,000 (-2.0%) | $296,647 (-3.2%) | 0.00 | 136 |
| 2023-10-01 | $247,975 (10.2%) | $302,341 (12.5%) | 0.00 | 134 |
| 2023-11-01 | $246,725 (17.1%) | $305,659 (17.6%) | 0.00 | 130 |
| 2023-12-01 | $242,650 (21.4%) | $305,900 (19.0%) | 0.00 | 109 |
| 2024-01-01 | $255,600 (27.9%) | $306,780 (25.5%) | 0.00 | 102 |
| 2024-02-01 | $223,725 (11.9%) | $283,097 (13.2%) | 0.00 | 92 |
| 2024-03-01 | $239,900 (14.0%) | $292,377 (9.1%) | 0.00 | 87 |
Williamsport's median listing price comes in at 0% of the national average.
Williamsport's average listing price for 2024-03-01 was $292,377, a difference of $24,265 (9.1%) versus the prior year and $9,280 versus the prior month.
For the 2024-03-01 period, Williamsport had 87 MLS listings, a difference of -5 listings (-5%) versus the prior month and 0 listings (0%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Williamsport (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,728 sqft |
| 2018-02-01 | 0 days | 1,718 sqft |
| 2018-03-01 | 0 days | 1,712 sqft |
| 2018-04-01 | 0 days | 1,735 sqft |
| 2018-05-01 | 0 days | 1,783 sqft |
| 2018-06-01 | 0 days | 1,797 sqft |
| 2018-07-01 | 0 days | 1,823 sqft |
| 2018-08-01 | 0 days | 1,857 sqft |
| 2018-09-01 | 0 days | 1,823 sqft |
| 2018-10-01 | 0 days | 1,807 sqft |
| 2018-11-01 | 0 days | 1,796 sqft |
| 2018-12-01 | 0 days | 1,792 sqft |
| 2019-01-01 | 0 days | 1,743 sqft |
| 2019-02-01 | 0 days | 1,693 sqft |
| 2019-03-01 | 0 days | 1,702 sqft |
| 2019-04-01 | 0 days | 1,735 sqft |
| 2019-05-01 | 0 days | 1,783 sqft |
| 2019-06-01 | 0 days | 1,792 sqft |
| 2019-07-01 | 0 days | 1,810 sqft |
| 2019-08-01 | 0 days | 1,802 sqft |
| 2019-09-01 | 0 days | 1,769 sqft |
| 2019-10-01 | 0 days | 1,756 sqft |
| 2019-11-01 | 0 days | 1,726 sqft |
| 2019-12-01 | 0 days | 1,732 sqft |
| 2020-01-01 | 0 days | 1,732 sqft |
| 2020-02-01 | 0 days | 1,743 sqft |
| 2020-03-01 | 0 days | 1,740 sqft |
| 2020-04-01 | 0 days | 1,739 sqft |
| 2020-05-01 | 0 days | 1,716 sqft |
| 2020-06-01 | 0 days | 1,677 sqft |
| 2020-07-01 | 0 days | 1,729 sqft |
| 2020-08-01 | 0 days | 1,824 sqft |
| 2020-09-01 | 0 days | 1,879 sqft |
| 2020-10-01 | 0 days | 1,851 sqft |
| 2020-11-01 | 0 days | 1,837 sqft |
| 2020-12-01 | 0 days | 1,770 sqft |
| 2021-01-01 | 0 days | 1,726 sqft |
| 2021-02-01 | 0 days | 1,676 sqft |
| 2021-03-01 | 0 days | 1,660 sqft |
| 2021-04-01 | 0 days | 1,654 sqft |
| 2021-05-01 | 0 days | 1,651 sqft |
| 2021-06-01 | 0 days | 1,702 sqft |
| 2021-07-01 | 0 days | 1,792 sqft |
| 2021-08-01 | 0 days | 1,760 sqft |
| 2021-09-01 | 0 days | 1,750 sqft |
| 2021-10-01 | 0 days | 1,780 sqft |
| 2021-11-01 | 0 days | 1,763 sqft |
| 2021-12-01 | 0 days | 1,789 sqft |
| 2022-01-01 | 0 days | 1,685 sqft |
| 2022-02-01 | 0 days | 1,685 sqft |
| 2022-03-01 | 0 days | 1,684 sqft |
| 2022-04-01 | 0 days | 1,692 sqft |
| 2022-05-01 | 0 days | 1,671 sqft |
| 2022-06-01 | 0 days | 1,773 sqft |
| 2022-07-01 | 0 days | 1,848 sqft |
| 2022-08-01 | 0 days | 1,837 sqft |
| 2022-09-01 | 0 days | 1,846 sqft |
| 2022-10-01 | 0 days | 1,744 sqft |
| 2022-11-01 | 0 days | 1,722 sqft |
| 2022-12-01 | 0 days | 1,640 sqft |
| 2023-01-01 | 0 days | 1,640 sqft |
| 2023-02-01 | 0 days | 1,674 sqft |
| 2023-03-01 | 0 days | 1,723 sqft |
| 2023-04-01 | 0 days | 1,771 sqft |
| 2023-05-01 | 0 days | 1,806 sqft |
| 2023-06-01 | 0 days | 1,799 sqft |
| 2023-07-01 | 0 days | 1,739 sqft |
| 2023-08-01 | 0 days | 1,827 sqft |
| 2023-09-01 | 0 days | 1,760 sqft |
| 2023-10-01 | 0 days | 1,776 sqft |
| 2023-11-01 | 0 days | 1,780 sqft |
| 2023-12-01 | 0 days | 1,813 sqft |
| 2024-01-01 | 0 days | 1,814 sqft |
| 2024-02-01 | 0 days | 1,728 sqft |
| 2024-03-01 | 0 days | 1,803 sqft |
Williamsport's median square footage for active listings during the 2024-03-01 period was 1,803 sqft. One year prior, the average listing was 1,723 sqft.