Wilson USDA Loan Rates, Closing Costs & Stats

Wilson, NC

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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.

    Wilson's 6 lenders originated 6 USDA loans during 2023. The total origination value was $1,040,000, with an average USDA loan value of $173,333.

    Wilson USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Wilson averaged -0.1% for the week of 2024-11-15, compared to the national average (all USDA variants) of 0% for the same period.

    Wilson's average USDA mortgage closing costs are $5,039.

    The average rate for the prior week (2024-11-08) was 6.16% and one month ago for the week of 2024-10-11, the average rate was 6.02%.

    The average rate one year ago was 7.05%.

    For refis of the same type during the week of 2024-11-15, the average rate was 0.1%.

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

    Wilson 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 Wilson level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    CORNERSTONE HOME LENDING, INC. 1 6.50% $9,063
    Equity Prime Mortgage LLC 1 6.50% $9,142
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.25% $5,035
    GUARANTEED RATE, INC. 1 6.10% $5,124
    HOMESIDE FINANCIAL, LLC 1 7.13% $8,730
    Integrity Home Mortgage Corp 1 7.38% $5,581

    The top Wilson USDA lender as defined by loan originations is CORNERSTONE HOME LENDING, INC., with 1 USDA loans originated. Their average total fees are $9,063, which is $79 lower than the next largest lender, Equity Prime Mortgage LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Wilson (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 $129,600 (8.1%) $159,623 (3.8%) 0.00 252
    2018-02-01 $129,900 (9.5%) $160,284 (2.6%) 0.00 243
    2018-03-01 $132,500 (0.8%) $153,041 (-9.2%) 0.00 247
    2018-04-01 $129,950 (-4.7%) $151,563 (-11.5%) 0.00 255
    2018-05-01 $123,875 (-8.2%) $158,053 (-8.0%) 0.00 260
    2018-06-01 $120,990 (-13.5%) $161,506 (-7.8%) 0.00 238
    2018-07-01 $121,490 (-16.7%) $168,368 (-5.3%) 0.00 239
    2018-08-01 $123,500 (-8.0%) $168,477 (0.5%) 0.00 248
    2018-09-01 $132,250 (0.2%) $173,025 (4.6%) 0.00 243
    2018-10-01 $129,850 (-2.6%) $168,222 (2.6%) 0.00 245
    2018-11-01 $129,925 (-5.5%) $166,602 (-1.0%) 0.00 250
    2018-12-01 $129,700 (-0.2%) $162,930 (-0.1%) 0.00 239
    2019-01-01 $132,350 (2.1%) $161,673 (1.3%) 0.00 233
    2019-02-01 $136,250 (4.9%) $169,315 (5.6%) 0.00 211
    2019-03-01 $141,386 (6.7%) $173,444 (13.3%) 0.00 187
    2019-04-01 $152,400 (17.3%) $182,110 (20.2%) 0.00 172
    2019-05-01 $152,400 (23.0%) $187,889 (18.9%) 0.00 177
    2019-06-01 $169,900 (40.4%) $199,393 (23.5%) 0.00 181
    2019-07-01 $173,700 (43.0%) $211,744 (25.8%) 0.00 167
    2019-08-01 $174,645 (41.4%) $215,167 (27.7%) 0.00 164
    2019-09-01 $174,564 (32.0%) $214,171 (23.8%) 0.00 161
    2019-10-01 $174,500 (34.4%) $212,499 (26.3%) 0.00 153
    2019-11-01 $165,900 (27.7%) $200,498 (20.4%) 0.00 144
    2019-12-01 $169,900 (31.0%) $195,875 (20.2%) 0.00 150
    2020-01-01 $154,000 (16.4%) $186,031 (15.1%) 0.00 145
    2020-02-01 $165,000 (21.1%) $201,625 (19.1%) 0.00 143
    2020-03-01 $164,000 (16.0%) $201,660 (16.3%) 0.00 142
    2020-04-01 $169,900 (11.5%) $210,721 (15.7%) 0.00 138
    2020-05-01 $182,400 (19.7%) $210,918 (12.3%) 0.00 140
    2020-06-01 $189,900 (11.8%) $218,814 (9.7%) 0.00 121
    2020-07-01 $193,375 (11.3%) $228,903 (8.1%) 0.00 101
    2020-08-01 $199,950 (14.5%) $240,734 (11.9%) 0.00 95
    2020-09-01 $221,200 (26.7%) $276,663 (29.2%) 0.00 76
    2020-10-01 $205,450 (17.7%) $278,595 (31.1%) 0.00 64
    2020-11-01 $179,900 (8.4%) $244,471 (21.9%) 0.00 73
    2020-12-01 $207,100 (21.9%) $249,199 (27.2%) 0.00 62
    2021-01-01 $208,000 (35.1%) $256,267 (37.8%) 0.00 60
    2021-02-01 $219,950 (33.3%) $255,406 (26.7%) 0.00 66
    2021-03-01 $209,425 (27.7%) $254,591 (26.3%) 0.00 59
    2021-04-01 $216,150 (27.2%) $265,492 (26.0%) 0.00 53
    2021-05-01 $199,990 (9.6%) $243,175 (15.3%) 0.00 40
    2021-06-01 $187,425 (-1.3%) $224,651 (2.7%) 0.00 62
    2021-07-01 $182,500 (-5.6%) $226,130 (-1.2%) 0.00 64
    2021-08-01 $189,900 (-5.0%) $232,783 (-3.3%) 0.00 63
    2021-09-01 $186,150 (-15.9%) $222,076 (-19.7%) 0.00 58
    2021-10-01 $197,400 (-3.9%) $236,517 (-15.1%) 0.00 66
    2021-11-01 $187,950 (4.5%) $231,094 (-5.5%) 0.00 67
    2021-12-01 $220,700 (6.6%) $251,364 (0.9%) 0.00 57
    2022-01-01 $197,400 (-5.1%) $244,224 (-4.7%) 0.00 38
    2022-02-01 $184,950 (-15.9%) $230,582 (-9.7%) 0.00 35
    2022-03-01 $223,500 (6.7%) $254,148 (-0.2%) 0.00 34
    2022-04-01 $205,000 (-5.2%) $269,454 (1.5%) 0.00 48
    2022-05-01 $237,500 (18.8%) $290,443 (19.4%) 0.00 48
    2022-06-01 $249,925 (33.4%) $305,469 (36.0%) 0.00 65
    2022-07-01 $247,450 (35.6%) $287,362 (27.1%) 0.00 102
    2022-08-01 $237,225 (24.9%) $274,070 (17.7%) 0.00 105
    2022-09-01 $254,500 (36.7%) $267,549 (20.5%) 0.00 83
    2022-10-01 $249,900 (26.6%) $275,013 (16.3%) 0.00 82
    2022-11-01 $243,800 (29.7%) $294,511 (27.4%) 0.00 83
    2022-12-01 $249,000 (12.8%) $273,931 (9.0%) 0.00 83
    2023-01-01 $260,700 (32.1%) $291,886 (19.5%) 0.00 79
    2023-02-01 $274,175 (48.2%) $298,794 (29.6%) 0.00 83
    2023-03-01 $283,750 (27.0%) $315,511 (24.1%) 0.00 81
    2023-04-01 $299,990 (46.3%) $326,361 (21.1%) 0.00 71
    2023-05-01 $316,298 (33.2%) $337,370 (16.2%) 0.00 71
    2023-06-01 $290,673 (16.3%) $316,742 (3.7%) 0.00 84
    2023-07-01 $275,000 (11.1%) $308,807 (7.5%) 0.00 83
    2023-08-01 $264,945 (11.7%) $299,509 (9.3%) 0.00 82
    2023-09-01 $270,990 (6.5%) $299,620 (12.0%) 0.00 80
    2023-10-01 $276,225 (10.5%) $300,954 (9.4%) 0.00 105
    2023-11-01 $279,950 (14.8%) $299,418 (1.7%) 0.00 111
    2023-12-01 $290,000 (16.5%) $307,287 (12.2%) 0.00 113
    2024-01-01 $291,225 (11.7%) $305,892 (4.8%) 0.00 111
    2024-02-01 $296,334 (8.1%) $306,578 (2.6%) 0.00 122
    2024-03-01 $275,000 (-3.1%) $283,096 (-10.3%) 0.00 154
    2024-04-01 $290,124 (-3.3%) $302,106 (-7.4%) 0.00 157
    2024-05-01 $296,500 (-6.3%) $312,327 (-7.4%) 0.00 146
    2024-06-01 $290,695 (0.0%) $300,460 (-5.1%) 0.00 156
    2024-07-01 $286,510 (4.2%) $306,068 (-0.9%) 0.00 171
    2024-08-01 $283,303 (6.9%) $313,361 (4.6%) 0.00 167
    2024-09-01 $282,880 (4.4%) $313,321 (4.6%) 0.00 179
    2024-10-01 $278,499 (0.8%) $305,441 (1.5%) 0.00 198
    Wilson's median listing price for 2024-10-01 was $278,499, a difference of $2,274 (0.8%) versus the prior year and $-4,381 versus the prior month.

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

    Wilson's average listing price for 2024-10-01 was $305,441, a difference of $4,487 (1.5%) versus the prior year and $-7,880 versus the prior month.

    For the 2024-10-01 period, Wilson had 198 MLS listings, a difference of 19 listings (11%) versus the prior month and 93 listings (89%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Wilson (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,657 sqft
    2018-02-01 0 days 1,610 sqft
    2018-03-01 0 days 1,653 sqft
    2018-04-01 0 days 1,652 sqft
    2018-05-01 0 days 1,582 sqft
    2018-06-01 0 days 1,536 sqft
    2018-07-01 0 days 1,580 sqft
    2018-08-01 0 days 1,563 sqft
    2018-09-01 0 days 1,609 sqft
    2018-10-01 0 days 1,583 sqft
    2018-11-01 0 days 1,564 sqft
    2018-12-01 0 days 1,541 sqft
    2019-01-01 0 days 1,537 sqft
    2019-02-01 0 days 1,605 sqft
    2019-03-01 0 days 1,646 sqft
    2019-04-01 0 days 1,734 sqft
    2019-05-01 0 days 1,878 sqft
    2019-06-01 0 days 2,019 sqft
    2019-07-01 0 days 2,006 sqft
    2019-08-01 0 days 2,022 sqft
    2019-09-01 0 days 2,008 sqft
    2019-10-01 0 days 2,003 sqft
    2019-11-01 0 days 1,800 sqft
    2019-12-01 0 days 1,835 sqft
    2020-01-01 0 days 1,734 sqft
    2020-02-01 0 days 1,796 sqft
    2020-03-01 0 days 1,724 sqft
    2020-04-01 0 days 1,773 sqft
    2020-05-01 0 days 1,714 sqft
    2020-06-01 0 days 1,811 sqft
    2020-07-01 0 days 1,880 sqft
    2020-08-01 0 days 1,952 sqft
    2020-09-01 0 days 2,171 sqft
    2020-10-01 0 days 2,054 sqft
    2020-11-01 0 days 1,838 sqft
    2020-12-01 0 days 1,868 sqft
    2021-01-01 0 days 1,870 sqft
    2021-02-01 0 days 1,766 sqft
    2021-03-01 0 days 1,692 sqft
    2021-04-01 0 days 1,804 sqft
    2021-05-01 0 days 1,550 sqft
    2021-06-01 0 days 1,551 sqft
    2021-07-01 0 days 1,650 sqft
    2021-08-01 0 days 1,607 sqft
    2021-09-01 0 days 1,552 sqft
    2021-10-01 0 days 1,655 sqft
    2021-11-01 0 days 1,625 sqft
    2021-12-01 0 days 1,718 sqft
    2022-01-01 0 days 1,743 sqft
    2022-02-01 0 days 1,679 sqft
    2022-03-01 0 days 1,765 sqft
    2022-04-01 0 days 1,603 sqft
    2022-05-01 0 days 1,593 sqft
    2022-06-01 0 days 1,553 sqft
    2022-07-01 0 days 1,586 sqft
    2022-08-01 0 days 1,547 sqft
    2022-09-01 0 days 1,669 sqft
    2022-10-01 0 days 1,691 sqft
    2022-11-01 0 days 1,732 sqft
    2022-12-01 0 days 1,705 sqft
    2023-01-01 0 days 1,700 sqft
    2023-02-01 0 days 1,693 sqft
    2023-03-01 0 days 1,682 sqft
    2023-04-01 0 days 1,727 sqft
    2023-05-01 0 days 1,887 sqft
    2023-06-01 0 days 1,730 sqft
    2023-07-01 0 days 1,720 sqft
    2023-08-01 0 days 1,738 sqft
    2023-09-01 0 days 1,772 sqft
    2023-10-01 0 days 1,763 sqft
    2023-11-01 0 days 1,741 sqft
    2023-12-01 0 days 1,742 sqft
    2024-01-01 0 days 1,729 sqft
    2024-02-01 0 days 1,722 sqft
    2024-03-01 0 days 1,682 sqft
    2024-04-01 0 days 1,660 sqft
    2024-05-01 0 days 1,655 sqft
    2024-06-01 0 days 1,663 sqft
    2024-07-01 0 days 1,627 sqft
    2024-08-01 0 days 1,667 sqft
    2024-09-01 0 days 1,739 sqft
    2024-10-01 0 days 1,640 sqft
    Wilson's median listing age (time on market) for 2024-10-01 was 0 days.

    Wilson's median square footage for active listings during the 2024-10-01 period was 1,640 sqft. One year prior, the average listing was 1,763 sqft.