Winchester USDA Loan Rates, Closing Costs & Stats

WINCHESTER, VA-WV

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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.

    Winchester's 14 lenders originated 37 USDA loans during 2023. The total origination value was $8,565,000, with an average USDA loan value of $231,486.

    Winchester USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Winchester averaged 6.32% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Winchester's average USDA mortgage closing costs are $5,951.

    The average rate for the prior week (2025-02-07) was 6.47% and one month ago for the week of 2025-01-10, the average rate was 6.22%.

    The average rate one year ago was 6.61%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.86%.

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

    Winchester 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 Winchester level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Integrity Home Mortgage Corp 15 6.48% $9,398
    CBM Mortgage, Inc. 4 6.72% $8,152
    Alcova Mortgage LLC 3 7.50% $2,856
    NVR Mortgage Finance, Inc. 3 5.58% $14,901
    UNITED WHOLESALE MORTGAGE, LLC 2 6.86% $7,001
    MOVEMENT MORTGAGE, LLC 2 6.25% $8,264
    MILLENNIUM FINANCIAL GROUP, INC. 1 6.25% $6,856
    GSF Mortgage Corporation 1 6.50% $9,763
    NORWICH COMMERCIAL GROUP, INC. 1 6.13% $11,124
    GUARANTY HOME MORTGAGE CORPORATION 1 6.25% $6,055
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.83% $5,703
    TIDEWATER MORTGAGE SERVICES, INC. 1 6.88% $7,922
    Towne Bank 1 5.75% $9,616
    GUILD MORTGAGE COMPANY 1 6.25% $7,915

    The top Winchester USDA lender as defined by loan originations is Integrity Home Mortgage Corp, with 15 USDA loans originated. Their average total fees are $9,398, which is $1,246 higher than the next largest lender, CBM Mortgage, Inc..

    The lowest fee Winchester USDA lenders (with over 10 loans originated) are Integrity Home Mortgage Corp ($9,398), .

    The lowest rate Winchester USDA lenders (with over 10 loans originated) are Integrity Home Mortgage Corp (6.48%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Winchester (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 $280,218 (4.9%) $311,159 (7.3%) 0.00 494
    2018-02-01 $289,448 (6.4%) $317,631 (8.1%) 0.00 504
    2018-03-01 $294,990 (5.0%) $320,228 (4.4%) 0.00 548
    2018-04-01 $299,900 (7.1%) $326,879 (5.3%) 0.00 596
    2018-05-01 $299,990 (2.1%) $331,302 (3.2%) 0.00 640
    2018-06-01 $299,900 (0.6%) $325,643 (0.8%) 0.00 690
    2018-07-01 $298,468 (3.5%) $321,983 (3.6%) 0.00 730
    2018-08-01 $290,000 (0.3%) $316,912 (2.5%) 0.00 741
    2018-09-01 $279,500 (-3.0%) $311,418 (-0.5%) 0.00 751
    2018-10-01 $279,700 (-4.4%) $316,157 (1.4%) 0.00 729
    2018-11-01 $287,372 (2.1%) $319,358 (1.8%) 0.00 727
    2018-12-01 $289,900 (5.4%) $319,735 (4.5%) 0.00 663
    2019-01-01 $289,900 (3.5%) $318,070 (2.2%) 0.00 566
    2019-02-01 $297,473 (2.8%) $323,036 (1.7%) 0.00 569
    2019-03-01 $299,514 (1.5%) $328,334 (2.5%) 0.00 599
    2019-04-01 $299,064 (-0.3%) $331,642 (1.5%) 0.00 641
    2019-05-01 $302,990 (1.0%) $342,919 (3.5%) 0.00 621
    2019-06-01 $299,000 (-0.3%) $342,852 (5.3%) 0.00 644
    2019-07-01 $302,250 (1.3%) $341,251 (6.0%) 0.00 643
    2019-08-01 $299,984 (3.4%) $339,809 (7.2%) 0.00 654
    2019-09-01 $299,962 (7.3%) $338,276 (8.6%) 0.00 671
    2019-10-01 $302,097 (8.0%) $337,528 (6.8%) 0.00 678
    2019-11-01 $299,000 (4.1%) $333,642 (4.5%) 0.00 628
    2019-12-01 $299,450 (3.3%) $334,620 (4.7%) 0.00 569
    2020-01-01 $294,950 (1.7%) $334,474 (5.2%) 0.00 523
    2020-02-01 $299,850 (0.8%) $339,452 (5.1%) 0.00 495
    2020-03-01 $302,500 (1.0%) $344,457 (4.9%) 0.00 501
    2020-04-01 $303,248 (1.4%) $348,295 (5.0%) 0.00 505
    2020-05-01 $317,990 (5.0%) $354,356 (3.3%) 0.00 500
    2020-06-01 $327,230 (9.4%) $369,339 (7.7%) 0.00 436
    2020-07-01 $315,498 (4.4%) $370,334 (8.5%) 0.00 375
    2020-08-01 $330,990 (10.3%) $393,074 (15.7%) 0.00 308
    2020-09-01 $328,748 (9.6%) $392,646 (16.1%) 0.00 262
    2020-10-01 $299,900 (-0.7%) $387,350 (14.8%) 0.00 252
    2020-11-01 $299,950 (0.3%) $400,040 (19.9%) 0.00 240
    2020-12-01 $309,925 (3.5%) $408,988 (22.2%) 0.00 206
    2021-01-01 $329,900 (11.9%) $408,074 (22.0%) 0.00 171
    2021-02-01 $333,450 (11.2%) $407,939 (20.2%) 0.00 142
    2021-03-01 $369,450 (22.1%) $415,517 (20.6%) 0.00 162
    2021-04-01 $373,881 (23.3%) $411,952 (18.3%) 0.00 196
    2021-05-01 $389,900 (22.6%) $415,626 (17.3%) 0.00 206
    2021-06-01 $389,900 (19.2%) $429,979 (16.4%) 0.00 240
    2021-07-01 $379,900 (20.4%) $433,701 (17.1%) 0.00 268
    2021-08-01 $393,450 (18.9%) $439,561 (11.8%) 0.00 274
    2021-09-01 $367,000 (11.6%) $418,165 (6.5%) 0.00 291
    2021-10-01 $359,900 (20.0%) $424,335 (9.6%) 0.00 272
    2021-11-01 $362,250 (20.8%) $427,633 (6.9%) 0.00 250
    2021-12-01 $377,450 (21.8%) $434,304 (6.2%) 0.00 219
    2022-01-01 $410,000 (24.3%) $457,143 (12.0%) 0.00 150
    2022-02-01 $399,200 (19.7%) $452,347 (10.9%) 0.00 138
    2022-03-01 $378,448 (2.4%) $436,417 (5.0%) 0.00 159
    2022-04-01 $389,950 (4.3%) $463,059 (12.4%) 0.00 173
    2022-05-01 $428,500 (9.9%) $483,592 (16.4%) 0.00 217
    2022-06-01 $434,200 (11.4%) $488,686 (13.7%) 0.00 262
    2022-07-01 $425,000 (11.9%) $480,230 (10.7%) 0.00 307
    2022-08-01 $407,473 (3.6%) $465,439 (5.9%) 0.00 331
    2022-09-01 $409,250 (11.5%) $467,319 (11.8%) 0.00 337
    2022-10-01 $404,495 (12.4%) $456,526 (7.6%) 0.00 340
    2022-11-01 $392,475 (8.3%) $448,246 (4.8%) 0.00 326
    2022-12-01 $407,495 (8.0%) $452,426 (4.2%) 0.00 293
    2023-01-01 $419,000 (2.2%) $457,625 (0.1%) 0.00 270
    2023-02-01 $426,225 (6.8%) $464,691 (2.7%) 0.00 245
    2023-03-01 $419,945 (11.0%) $458,119 (5.0%) 0.00 234
    2023-04-01 $419,990 (7.7%) $478,199 (3.3%) 0.00 229
    2023-05-01 $436,970 (2.0%) $486,194 (0.5%) 0.00 239
    2023-06-01 $444,675 (2.4%) $483,498 (-1.1%) 0.00 248
    2023-07-01 $429,000 (0.9%) $461,912 (-3.8%) 0.00 262
    2023-08-01 $419,498 (3.0%) $457,850 (-1.6%) 0.00 281
    2023-09-01 $420,000 (2.6%) $466,238 (-0.2%) 0.00 298
    2023-10-01 $412,029 (1.9%) $473,188 (3.7%) 0.00 321
    2023-11-01 $409,055 (4.2%) $476,766 (6.4%) 0.00 315
    2023-12-01 $420,075 (3.1%) $484,815 (7.2%) 0.00 256
    2024-01-01 $429,900 (2.6%) $489,299 (6.9%) 0.00 228
    2024-02-01 $436,950 (2.5%) $531,831 (14.5%) 0.00 185
    2024-03-01 $450,000 (7.2%) $544,019 (18.8%) 0.00 220
    2024-04-01 $455,000 (8.3%) $558,239 (16.7%) 0.00 261
    2024-05-01 $471,013 (7.8%) $552,588 (13.7%) 0.00 289
    2024-06-01 $459,900 (3.4%) $535,501 (10.8%) 0.00 315
    2024-07-01 $439,971 (2.6%) $522,957 (13.2%) 0.00 337
    2024-08-01 $440,000 (4.9%) $510,638 (11.5%) 0.00 355
    2024-09-01 $447,625 (6.6%) $518,844 (11.3%) 0.00 369
    2024-10-01 $449,950 (9.2%) $518,098 (9.5%) 0.00 372
    2024-11-01 $432,950 (5.8%) $502,900 (5.5%) 0.00 339
    2024-12-01 $442,000 (5.2%) $513,423 (5.9%) 0.00 296
    2025-01-01 $434,000 (1.0%) $513,405 (4.9%) 0.00 265
    Winchester's median listing price for 2025-01-01 was $434,000, a difference of $4,100 (1.0%) versus the prior year and $-8,000 versus the prior month.

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

    Winchester's average listing price for 2025-01-01 was $513,405, a difference of $24,106 (4.9%) versus the prior year and $-18 versus the prior month.

    For the 2025-01-01 period, Winchester had 265 MLS listings, a difference of -31 listings (-10%) versus the prior month and 37 listings (16%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Winchester (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,968 sqft
    2018-02-01 0 days 2,001 sqft
    2018-03-01 0 days 2,059 sqft
    2018-04-01 0 days 2,048 sqft
    2018-05-01 0 days 2,073 sqft
    2018-06-01 0 days 2,132 sqft
    2018-07-01 0 days 2,112 sqft
    2018-08-01 0 days 2,113 sqft
    2018-09-01 0 days 2,100 sqft
    2018-10-01 0 days 2,111 sqft
    2018-11-01 0 days 2,143 sqft
    2018-12-01 0 days 2,103 sqft
    2019-01-01 0 days 2,095 sqft
    2019-02-01 0 days 2,105 sqft
    2019-03-01 0 days 2,133 sqft
    2019-04-01 0 days 2,111 sqft
    2019-05-01 0 days 2,135 sqft
    2019-06-01 0 days 2,100 sqft
    2019-07-01 0 days 2,128 sqft
    2019-08-01 0 days 2,143 sqft
    2019-09-01 0 days 2,132 sqft
    2019-10-01 0 days 2,125 sqft
    2019-11-01 0 days 2,100 sqft
    2019-12-01 0 days 2,090 sqft
    2020-01-01 0 days 2,057 sqft
    2020-02-01 0 days 2,096 sqft
    2020-03-01 0 days 2,103 sqft
    2020-04-01 0 days 2,089 sqft
    2020-05-01 0 days 2,148 sqft
    2020-06-01 0 days 2,126 sqft
    2020-07-01 0 days 2,091 sqft
    2020-08-01 0 days 2,081 sqft
    2020-09-01 0 days 2,008 sqft
    2020-10-01 0 days 1,932 sqft
    2020-11-01 0 days 1,903 sqft
    2020-12-01 0 days 1,883 sqft
    2021-01-01 0 days 1,884 sqft
    2021-02-01 0 days 1,850 sqft
    2021-03-01 0 days 1,937 sqft
    2021-04-01 0 days 1,968 sqft
    2021-05-01 0 days 2,032 sqft
    2021-06-01 0 days 1,998 sqft
    2021-07-01 0 days 2,000 sqft
    2021-08-01 0 days 2,020 sqft
    2021-09-01 0 days 1,987 sqft
    2021-10-01 0 days 1,922 sqft
    2021-11-01 0 days 1,926 sqft
    2021-12-01 0 days 1,927 sqft
    2022-01-01 0 days 2,052 sqft
    2022-02-01 0 days 2,043 sqft
    2022-03-01 0 days 1,965 sqft
    2022-04-01 0 days 2,052 sqft
    2022-05-01 0 days 2,166 sqft
    2022-06-01 0 days 2,212 sqft
    2022-07-01 0 days 2,180 sqft
    2022-08-01 0 days 2,172 sqft
    2022-09-01 0 days 2,156 sqft
    2022-10-01 0 days 2,052 sqft
    2022-11-01 0 days 2,025 sqft
    2022-12-01 0 days 2,045 sqft
    2023-01-01 0 days 2,052 sqft
    2023-02-01 0 days 2,019 sqft
    2023-03-01 0 days 2,044 sqft
    2023-04-01 0 days 2,042 sqft
    2023-05-01 0 days 2,174 sqft
    2023-06-01 0 days 2,208 sqft
    2023-07-01 0 days 2,100 sqft
    2023-08-01 0 days 2,053 sqft
    2023-09-01 0 days 2,052 sqft
    2023-10-01 0 days 1,991 sqft
    2023-11-01 0 days 2,006 sqft
    2023-12-01 0 days 2,023 sqft
    2024-01-01 0 days 1,998 sqft
    2024-02-01 0 days 2,007 sqft
    2024-03-01 0 days 2,064 sqft
    2024-04-01 0 days 2,125 sqft
    2024-05-01 0 days 2,159 sqft
    2024-06-01 0 days 2,200 sqft
    2024-07-01 0 days 2,099 sqft
    2024-08-01 0 days 2,101 sqft
    2024-09-01 0 days 2,078 sqft
    2024-10-01 0 days 2,063 sqft
    2024-11-01 0 days 2,052 sqft
    2024-12-01 0 days 2,052 sqft
    2025-01-01 0 days 2,008 sqft
    Winchester's median listing age (time on market) for 2025-01-01 was 0 days.

    Winchester's median square footage for active listings during the 2025-01-01 period was 2,008 sqft. One year prior, the average listing was 1,998 sqft.