Winston USDA Loan Rates, Closing Costs & Stats

WINSTON-SALEM, NC

  • 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.

    Winston's 30 lenders originated 71 USDA loans during 2024. The total origination value was $17,835,000, with an average USDA loan value of $251,197.

    Winston USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Winston averaged 6.54% for the week of 2025-07-11, compared to the national average (all USDA variants) of 6.449% for the same period.

    Winston's average USDA mortgage closing costs are $5,410.

    The average rate for the prior week (2025-07-04) was 6.35% and one month ago for the week of 2025-06-06, the average rate was 6.55%.

    The average rate one year ago was 6.63%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.53%.

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

    Winston 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 Winston level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 14 6.66% $8,666
    DHI MORTGAGE COMPANY, LTD. 5 4.42% $5,555
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 5 6.30% $8,467
    ENVOY MORTGAGE, LTD 4 6.50% $11,227
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 4 6.28% $8,934
    MOVEMENT MORTGAGE, LLC 4 6.66% $7,474
    GUARANTEED RATE, INC. 3 6.25% $7,984
    INSPIRE HOME LOANS INC. 3 5.88% $7,890
    PLAZA HOME MORTGAGE, INC. 2 6.94% $3,982
    Century Mortgage Company DBA Century Lending Company 2 5.81% $4,996
    GUILD MORTGAGE COMPANY 2 6.18% $6,597
    CMG MORTGAGE, INC. 2 6.44% $7,501
    Blue Ridge Bank 2 6.38% $7,782
    RADIUS FINANCIAL GROUP INC. 1 6.75% $6,961
    T2 FINANCIAL LLC 1 6.63% $10,901
    The Fidelity Bank 1 5.88% $8,022
    Alcova Mortgage LLC 1 6.13% $7,850
    UNITED WHOLESALE MORTGAGE, LLC 1 6.25% $13,111
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.38% $8,427
    Barrington Bank & Trust Company, N.A. 1 6.25% $11,457
    CORNERSTONE HOME LENDING, INC. 1 6.25% $12,728
    CROSSCOUNTRY MORTGAGE, LLC 1 6.13% $7,795
    EMM LOANS LLC 1 6.99% $10,835
    EQUITY RESOURCES, INC. 1 6.62% $5,489
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 6.63% $6,506
    Flagstar Bank, FSB 1 6.48% $6,206
    HOMESIDE FINANCIAL, LLC 1 7.25% $6,675
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 8.25% $6,792
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.63% $12,229
    Prosperity Home Mortgage, LLC 1 6.62% $5,713

    The top Winston USDA lender as defined by loan originations is ATLANTIC BAY MORTGAGE GROUP, L.L.C., with 14 USDA loans originated. Their average total fees are $8,666, which is $3,111 higher than the next largest lender, DHI MORTGAGE COMPANY, LTD..

    The lowest fee Winston USDA lenders (with over 10 loans originated) are ATLANTIC BAY MORTGAGE GROUP, L.L.C. ($8,666), .

    The lowest rate Winston USDA lenders (with over 10 loans originated) are ATLANTIC BAY MORTGAGE GROUP, L.L.C. (6.66%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Winston (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 $204,150 (10.4%) $301,976 (14.5%) 0.76 2,077
    2018-02-01 $218,675 (17.1%) $312,575 (16.4%) 0.79 2,037
    2018-03-01 $228,118 (18.2%) $314,482 (13.3%) 0.80 2,107
    2018-04-01 $233,009 (17.2%) $318,006 (11.9%) 0.79 2,161
    2018-05-01 $239,371 (18.9%) $319,988 (11.1%) 0.80 2,233
    2018-06-01 $240,000 (18.9%) $319,048 (10.8%) 0.80 2,275
    2018-07-01 $243,950 (19.3%) $316,025 (7.5%) 0.81 2,351
    2018-08-01 $238,923 (19.5%) $305,813 (3.5%) 0.80 2,154
    2018-09-01 $239,000 (19.6%) $305,604 (4.3%) 0.80 2,179
    2018-10-01 $239,900 (17.9%) $304,662 (1.8%) 0.81 2,167
    2018-11-01 $232,400 (12.0%) $298,707 (-1.0%) 0.79 2,106
    2018-12-01 $229,900 (15.0%) $297,079 (-0.3%) 0.79 1,893
    2019-01-01 $234,675 (15.0%) $300,636 (-0.4%) 0.81 1,764
    2019-02-01 $242,388 (10.8%) $311,068 (-0.5%) 0.82 1,699
    2019-03-01 $255,471 (12.0%) $322,223 (2.5%) 0.84 1,755
    2019-04-01 $267,925 (15.0%) $333,713 (4.9%) 0.85 1,794
    2019-05-01 $273,575 (14.3%) $338,795 (5.9%) 0.86 1,857
    2019-06-01 $274,950 (14.6%) $343,709 (7.7%) 0.86 1,866
    2019-07-01 $275,000 (12.7%) $345,713 (9.4%) 0.86 1,842
    2019-08-01 $276,847 (15.9%) $345,395 (12.9%) 0.88 1,861
    2019-09-01 $274,368 (14.8%) $344,980 (12.9%) 0.88 1,896
    2019-10-01 $273,995 (14.2%) $347,574 (14.1%) 0.88 1,899
    2019-11-01 $274,900 (18.3%) $349,355 (17.0%) 0.90 1,784
    2019-12-01 $269,975 (17.4%) $346,568 (16.7%) 0.90 1,624
    2020-01-01 $269,950 (15.0%) $348,326 (15.9%) 0.90 1,526
    2020-02-01 $289,990 (19.6%) $368,791 (18.6%) 0.95 1,418
    2020-03-01 $288,700 (13.0%) $366,790 (13.8%) 0.91 1,440
    2020-04-01 $284,088 (6.0%) $365,844 (9.6%) 0.89 1,522
    2020-05-01 $299,900 (9.6%) $381,822 (12.7%) 0.91 1,369
    2020-06-01 $301,359 (9.6%) $391,121 (13.8%) 0.89 1,237
    2020-07-01 $309,725 (12.6%) $399,352 (15.5%) 0.90 1,117
    2020-08-01 $304,280 (9.9%) $387,272 (12.1%) 0.87 1,060
    2020-09-01 $299,600 (9.2%) $371,642 (7.7%) 0.86 1,085
    2020-10-01 $299,900 (9.5%) $376,131 (8.2%) 0.86 1,065
    2020-11-01 $279,900 (1.8%) $353,083 (1.1%) 0.82 981
    2020-12-01 $269,499 (-0.2%) $353,112 (1.9%) 0.80 891
    2021-01-01 $272,990 (1.1%) $351,659 (1.0%) 0.81 785
    2021-02-01 $280,285 (-3.4%) $362,995 (-1.6%) 0.82 682
    2021-03-01 $283,530 (-1.8%) $380,758 (3.8%) 0.80 653
    2021-04-01 $277,983 (-2.2%) $376,938 (3.0%) 0.75 643
    2021-05-01 $265,000 (-11.6%) $355,750 (-6.8%) 0.70 656
    2021-06-01 $267,450 (-11.3%) $354,636 (-9.3%) 0.70 727
    2021-07-01 $274,317 (-11.4%) $350,350 (-12.3%) 0.72 772
    2021-08-01 $267,400 (-12.1%) $341,592 (-11.8%) 0.71 819
    2021-09-01 $267,400 (-10.8%) $340,841 (-8.3%) 0.71 887
    2021-10-01 $269,900 (-10.0%) $346,196 (-8.0%) 0.72 891
    2021-11-01 $275,975 (-1.4%) $346,101 (-2.0%) 0.74 832
    2021-12-01 $269,900 (0.2%) $341,611 (-3.3%) 0.73 696
    2022-01-01 $290,609 (6.5%) $368,825 (4.9%) 0.79 571
    2022-02-01 $292,375 (4.3%) $373,307 (2.8%) 0.76 529
    2022-03-01 $287,450 (1.4%) $367,309 (-3.5%) 0.72 568
    2022-04-01 $299,900 (7.9%) $372,589 (-1.2%) 0.71 603
    2022-05-01 $304,498 (14.9%) $375,700 (5.6%) 0.70 763
    2022-06-01 $317,475 (18.7%) $382,704 (7.9%) 0.71 839
    2022-07-01 $320,995 (17.0%) $380,322 (8.6%) 0.72 940
    2022-08-01 $320,493 (19.9%) $368,682 (7.9%) 0.74 1,017
    2022-09-01 $315,000 (17.8%) $368,033 (8.0%) 0.74 1,012
    2022-10-01 $319,995 (18.6%) $374,137 (8.1%) 0.75 1,091
    2022-11-01 $319,950 (15.9%) $374,161 (8.1%) 0.77 1,088
    2022-12-01 $319,997 (18.6%) $378,179 (10.7%) 0.79 1,038
    2023-01-01 $325,000 (11.8%) $379,661 (2.9%) 0.81 972
    2023-02-01 $329,764 (12.8%) $383,441 (2.7%) 0.80 963
    2023-03-01 $332,882 (15.8%) $383,835 (4.5%) 0.79 907
    2023-04-01 $339,900 (13.3%) $401,600 (7.8%) 0.79 901
    2023-05-01 $345,983 (13.6%) $407,131 (8.4%) 0.78 874
    2023-06-01 $341,017 (7.4%) $420,368 (9.8%) 0.77 889
    2023-07-01 $340,000 (5.9%) $429,776 (13.0%) 0.77 895
    2023-08-01 $339,910 (6.1%) $427,871 (16.1%) 0.78 962
    2023-09-01 $331,508 (5.2%) $415,641 (12.9%) 0.77 1,044
    2023-10-01 $335,000 (4.7%) $413,538 (10.5%) 0.79 1,100
    2023-11-01 $334,975 (4.7%) $405,738 (8.4%) 0.80 1,181
    2023-12-01 $330,000 (3.1%) $397,833 (5.2%) 0.80 1,182
    2024-01-01 $335,000 (3.1%) $398,993 (5.1%) 0.82 1,085
    2024-02-01 $328,750 (-0.3%) $394,607 (2.9%) 0.79 1,070
    2024-03-01 $334,900 (0.6%) $408,099 (6.3%) 0.79 1,103
    2024-04-01 $337,450 (-0.7%) $416,685 (3.8%) 0.78 1,146
    2024-05-01 $354,511 (2.5%) $428,674 (5.3%) 0.81 1,168
    2024-06-01 $357,392 (4.8%) $419,349 (-0.2%) 0.81 1,214
    2024-07-01 $349,950 (2.9%) $420,582 (-2.1%) 0.80 1,304
    2024-08-01 $349,900 (2.9%) $421,277 (-1.5%) 0.81 1,347
    2024-09-01 $348,700 (5.2%) $419,334 (0.9%) 0.82 1,456
    2024-10-01 $347,575 (3.8%) $416,402 (0.7%) 0.82 1,502
    2024-11-01 $335,000 (0.0%) $416,250 (2.6%) 0.80 1,593
    2024-12-01 $335,950 (1.8%) $418,473 (5.2%) 0.83 1,495
    2025-01-01 $335,000 (0.0%) $424,900 (6.5%) 0.84 1,375
    2025-02-01 $338,750 (3.0%) $422,762 (7.1%) 0.82 1,330
    2025-03-01 $347,500 (3.8%) $427,216 (4.7%) 0.82 1,379
    2025-04-01 $350,000 (3.7%) $433,569 (4.1%) 0.81 1,445
    2025-05-01 $355,000 (0.1%) $432,564 (0.9%) 0.81 1,569
    2025-06-01 $354,992 (-0.7%) $436,308 (4.0%) 0.81 1,627
    Winston's median listing price for 2025-06-01 was $354,992, a difference of $-2,400 (-0.7%) versus the prior year and $-8 versus the prior month.

    Winston's median listing price comes in at 81% of the national average.

    Winston's average listing price for 2025-06-01 was $436,308, a difference of $16,959 (4.0%) versus the prior year and $3,744 versus the prior month.

    For the 2025-06-01 period, Winston had 1,627 MLS listings, a difference of 58 listings (4%) versus the prior month and 413 listings (34%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Winston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 92 days 2,115 sqft
    2018-02-01 86 days 2,112 sqft
    2018-03-01 60 days 2,141 sqft
    2018-04-01 59 days 2,168 sqft
    2018-05-01 58 days 2,200 sqft
    2018-06-01 58 days 2,222 sqft
    2018-07-01 66 days 2,248 sqft
    2018-08-01 65 days 2,214 sqft
    2018-09-01 65 days 2,208 sqft
    2018-10-01 70 days 2,174 sqft
    2018-11-01 75 days 2,106 sqft
    2018-12-01 85 days 2,077 sqft
    2019-01-01 94 days 2,082 sqft
    2019-02-01 92 days 2,134 sqft
    2019-03-01 71 days 2,228 sqft
    2019-04-01 54 days 2,319 sqft
    2019-05-01 52 days 2,338 sqft
    2019-06-01 58 days 2,352 sqft
    2019-07-01 64 days 2,377 sqft
    2019-08-01 64 days 2,380 sqft
    2019-09-01 61 days 2,340 sqft
    2019-10-01 59 days 2,338 sqft
    2019-11-01 65 days 2,334 sqft
    2019-12-01 76 days 2,300 sqft
    2020-01-01 80 days 2,282 sqft
    2020-02-01 79 days 2,362 sqft
    2020-03-01 52 days 2,385 sqft
    2020-04-01 50 days 2,327 sqft
    2020-05-01 65 days 2,433 sqft
    2020-06-01 70 days 2,413 sqft
    2020-07-01 57 days 2,483 sqft
    2020-08-01 51 days 2,431 sqft
    2020-09-01 41 days 2,334 sqft
    2020-10-01 46 days 2,341 sqft
    2020-11-01 63 days 2,218 sqft
    2020-12-01 79 days 2,109 sqft
    2021-01-01 78 days 2,110 sqft
    2021-02-01 73 days 2,099 sqft
    2021-03-01 45 days 2,109 sqft
    2021-04-01 45 days 2,065 sqft
    2021-05-01 51 days 1,975 sqft
    2021-06-01 44 days 1,942 sqft
    2021-07-01 46 days 1,927 sqft
    2021-08-01 37 days 1,908 sqft
    2021-09-01 36 days 1,903 sqft
    2021-10-01 38 days 1,908 sqft
    2021-11-01 46 days 1,925 sqft
    2021-12-01 52 days 1,860 sqft
    2022-01-01 57 days 1,953 sqft
    2022-02-01 47 days 1,987 sqft
    2022-03-01 32 days 1,935 sqft
    2022-04-01 35 days 2,002 sqft
    2022-05-01 35 days 2,030 sqft
    2022-06-01 37 days 2,056 sqft
    2022-07-01 39 days 2,065 sqft
    2022-08-01 43 days 2,051 sqft
    2022-09-01 45 days 2,027 sqft
    2022-10-01 44 days 2,100 sqft
    2022-11-01 51 days 2,083 sqft
    2022-12-01 58 days 2,123 sqft
    2023-01-01 63 days 2,107 sqft
    2023-02-01 47 days 2,092 sqft
    2023-03-01 45 days 2,062 sqft
    2023-04-01 40 days 2,036 sqft
    2023-05-01 46 days 2,080 sqft
    2023-06-01 44 days 2,074 sqft
    2023-07-01 43 days 2,031 sqft
    2023-08-01 42 days 2,014 sqft
    2023-09-01 42 days 1,964 sqft
    2023-10-01 42 days 1,997 sqft
    2023-11-01 44 days 1,915 sqft
    2023-12-01 51 days 1,836 sqft
    2024-01-01 59 days 1,847 sqft
    2024-02-01 48 days 1,796 sqft
    2024-03-01 44 days 1,774 sqft
    2024-04-01 43 days 1,871 sqft
    2024-05-01 43 days 1,908 sqft
    2024-06-01 45 days 1,961 sqft
    2024-07-01 46 days 1,911 sqft
    2024-08-01 47 days 1,795 sqft
    2024-09-01 48 days 1,774 sqft
    2024-10-01 49 days 1,767 sqft
    2024-11-01 52 days 1,764 sqft
    2024-12-01 60 days 1,729 sqft
    2025-01-01 70 days 1,663 sqft
    2025-02-01 62 days 1,769 sqft
    2025-03-01 49 days 1,834 sqft
    2025-04-01 41 days 1,895 sqft
    2025-05-01 42 days 1,974 sqft
    2025-06-01 45 days 1,988 sqft
    Winston's median listing age (time on market) for 2025-06-01 was 45 days. This is -1% shorter than the same period one year ago.

    Winston's median square footage for active listings during the 2025-06-01 period was 1,988 sqft. One year prior, the average listing was 1,961 sqft.