Worthington USDA Loan Rates, Closing Costs & Stats

Worthington, MN

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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.

    Worthington's 1 lenders originated 7 USDA loans during 2023. The total origination value was $1,445,000, with an average USDA loan value of $206,429.

    Worthington USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Worthington averaged 6.61% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Worthington's average USDA mortgage closing costs are $5,529.

    The average rate for the prior week (2025-02-07) was 6.27% and one month ago for the week of 2025-01-10, the average rate was 6.32%.

    The average rate one year ago was 6.51%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.53%.

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

    Worthington 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 Worthington level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Reliabank Dakota 1 6.25% $5,755

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Worthington (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 $169,600 (41.5%) $163,064 (15.7%) 0.00 36
    2018-02-01 $156,575 (39.3%) $164,175 (27.1%) 0.00 38
    2018-03-01 $160,950 (34.2%) $167,361 (17.9%) 0.00 40
    2018-04-01 $167,750 (19.9%) $167,629 (-1.3%) 0.00 44
    2018-05-01 $176,850 (13.1%) $171,155 (-11.9%) 0.00 49
    2018-06-01 $167,450 (21.5%) $169,350 (-14.2%) 0.00 49
    2018-07-01 $162,975 (21.7%) $170,981 (-12.8%) 0.00 61
    2018-08-01 $179,800 (31.3%) $177,996 (4.1%) 0.00 64
    2018-09-01 $167,450 (31.9%) $173,371 (6.3%) 0.00 61
    2018-10-01 $158,475 (22.0%) $162,734 (0.5%) 0.00 63
    2018-11-01 $159,900 (21.8%) $172,535 (9.4%) 0.00 59
    2018-12-01 $162,400 (1.6%) $179,222 (10.2%) 0.00 58
    2019-01-01 $167,450 (-1.3%) $181,647 (11.4%) 0.00 50
    2019-02-01 $176,225 (12.6%) $183,358 (11.7%) 0.00 47
    2019-03-01 $182,400 (13.3%) $189,176 (13.0%) 0.00 48
    2019-04-01 $184,275 (9.9%) $196,049 (17.0%) 0.00 54
    2019-05-01 $173,050 (-2.2%) $185,142 (8.2%) 0.00 70
    2019-06-01 $177,450 (6.0%) $183,669 (8.5%) 0.00 75
    2019-07-01 $169,900 (4.3%) $176,433 (3.2%) 0.00 74
    2019-08-01 $173,082 (-3.7%) $176,309 (-1.0%) 0.00 75
    2019-09-01 $174,105 (4.0%) $175,039 (1.0%) 0.00 70
    2019-10-01 $174,900 (10.4%) $174,782 (7.4%) 0.00 64
    2019-11-01 $169,900 (6.3%) $167,930 (-2.7%) 0.00 53
    2019-12-01 $167,175 (2.9%) $169,638 (-5.4%) 0.00 53
    2020-01-01 $177,200 (5.8%) $176,385 (-2.9%) 0.00 48
    2020-02-01 $177,450 (0.7%) $176,065 (-4.0%) 0.00 42
    2020-03-01 $186,200 (2.1%) $181,885 (-3.9%) 0.00 45
    2020-04-01 $185,700 (0.8%) $185,132 (-5.6%) 0.00 44
    2020-05-01 $179,500 (3.7%) $183,000 (-1.2%) 0.00 39
    2020-06-01 $186,825 (5.3%) $183,191 (-0.3%) 0.00 40
    2020-07-01 $180,450 (6.2%) $183,862 (4.2%) 0.00 41
    2020-08-01 $183,700 (6.1%) $194,606 (10.4%) 0.00 41
    2020-09-01 $224,950 (29.2%) $228,860 (30.8%) 0.00 38
    2020-10-01 $189,900 (8.6%) $234,189 (34.0%) 0.00 39
    2020-11-01 $174,250 (2.6%) $233,421 (39.0%) 0.00 37
    2020-12-01 $174,850 (4.6%) $237,565 (40.0%) 0.00 33
    2021-01-01 $175,000 (-1.2%) $237,303 (34.5%) 0.00 37
    2021-02-01 $177,300 (-0.1%) $243,265 (38.2%) 0.00 32
    2021-03-01 $210,325 (13.0%) $251,509 (38.3%) 0.00 23
    2021-04-01 $167,450 (-9.8%) $217,154 (17.3%) 0.00 21
    2021-05-01 $222,250 (23.8%) $233,010 (27.3%) 0.00 26
    2021-06-01 $202,500 (8.4%) $226,969 (23.9%) 0.00 21
    2021-07-01 $175,000 (-3.0%) $225,041 (22.4%) 0.00 16
    2021-08-01 $188,250 (2.5%) $233,086 (19.8%) 0.00 21
    2021-09-01 $249,575 (11.0%) $252,377 (10.3%) 0.00 25
    2021-10-01 $199,900 (5.3%) $242,744 (3.7%) 0.00 28
    2021-11-01 $188,075 (7.9%) $216,630 (-7.2%) 0.00 20
    2021-12-01 $188,675 (7.9%) $191,898 (-19.2%) 0.00 15
    2022-01-01 $224,500 (28.3%) $205,535 (-13.4%) 0.00 13
    2022-02-01 $182,000 (2.7%) $205,359 (-15.6%) 0.00 13
    2022-03-01 $174,700 (-16.9%) $195,552 (-22.3%) 0.00 16
    2022-04-01 $180,750 (7.9%) $229,125 (5.5%) 0.00 18
    2022-05-01 $197,175 (-11.3%) $233,590 (0.3%) 0.00 25
    2022-06-01 $234,800 (16.0%) $252,759 (11.4%) 0.00 27
    2022-07-01 $199,900 (14.2%) $240,500 (6.9%) 0.00 36
    2022-08-01 $226,250 (20.2%) $244,314 (4.8%) 0.00 38
    2022-09-01 $264,575 (6.0%) $252,406 (0.0%) 0.00 33
    2022-10-01 $252,250 (26.2%) $252,103 (3.9%) 0.00 30
    2022-11-01 $245,875 (30.7%) $245,344 (13.3%) 0.00 30
    2022-12-01 $238,500 (26.4%) $238,000 (24.0%) 0.00 27
    2023-01-01 $241,075 (7.4%) $232,353 (13.1%) 0.00 25
    2023-02-01 $187,225 (2.9%) $216,233 (5.3%) 0.00 24
    2023-03-01 $209,750 (20.1%) $225,450 (15.3%) 0.00 22
    2023-04-01 $245,000 (35.6%) $251,765 (9.9%) 0.00 24
    2023-05-01 $284,125 (44.1%) $273,618 (17.1%) 0.00 26
    2023-06-01 $282,475 (20.3%) $289,731 (14.6%) 0.00 26
    2023-07-01 $271,950 (36.0%) $294,828 (22.6%) 0.00 30
    2023-08-01 $289,250 (27.9%) $297,893 (21.9%) 0.00 32
    2023-09-01 $293,500 (10.9%) $296,063 (17.3%) 0.00 31
    2023-10-01 $281,250 (11.5%) $287,115 (13.9%) 0.00 32
    2023-11-01 $297,350 (20.9%) $284,968 (16.2%) 0.00 28
    2023-12-01 $295,000 (23.7%) $278,623 (17.1%) 0.00 31
    2024-01-01 $286,375 (18.8%) $274,818 (18.3%) 0.00 36
    2024-02-01 $249,900 (33.5%) $271,916 (25.8%) 0.00 36
    2024-03-01 $292,000 (39.2%) $294,647 (30.7%) 0.00 30
    2024-04-01 $284,850 (16.3%) $291,256 (15.7%) 0.00 33
    2024-05-01 $285,000 (0.3%) $283,077 (3.5%) 0.00 38
    2024-06-01 $285,000 (0.9%) $285,502 (-1.5%) 0.00 42
    2024-07-01 $274,450 (0.9%) $284,537 (-3.5%) 0.00 46
    2024-08-01 $259,000 (-10.5%) $276,796 (-7.1%) 0.00 50
    2024-09-01 $254,000 (-13.5%) $273,641 (-7.6%) 0.00 51
    2024-10-01 $261,600 (-7.0%) $286,746 (-0.1%) 0.00 50
    2024-11-01 $239,000 (-19.6%) $257,818 (-9.5%) 0.00 46
    2024-12-01 $223,725 (-24.2%) $259,724 (-6.8%) 0.00 39
    2025-01-01 $244,900 (-14.5%) $279,735 (1.8%) 0.00 40
    Worthington's median listing price for 2025-01-01 was $244,900, a difference of $-41,475 (-14.5%) versus the prior year and $21,175 versus the prior month.

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

    Worthington's average listing price for 2025-01-01 was $279,735, a difference of $4,917 (1.8%) versus the prior year and $20,011 versus the prior month.

    For the 2025-01-01 period, Worthington had 40 MLS listings, a difference of 1 listings (3%) versus the prior month and 4 listings (11%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Worthington (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,304 sqft
    2018-02-01 0 days 2,412 sqft
    2018-03-01 0 days 2,384 sqft
    2018-04-01 0 days 2,326 sqft
    2018-05-01 0 days 2,257 sqft
    2018-06-01 0 days 2,204 sqft
    2018-07-01 0 days 2,080 sqft
    2018-08-01 0 days 2,104 sqft
    2018-09-01 0 days 2,085 sqft
    2018-10-01 0 days 2,114 sqft
    2018-11-01 0 days 2,142 sqft
    2018-12-01 0 days 2,284 sqft
    2019-01-01 0 days 2,437 sqft
    2019-02-01 0 days 2,396 sqft
    2019-03-01 0 days 2,169 sqft
    2019-04-01 0 days 1,974 sqft
    2019-05-01 0 days 1,852 sqft
    2019-06-01 0 days 1,871 sqft
    2019-07-01 0 days 1,877 sqft
    2019-08-01 0 days 1,910 sqft
    2019-09-01 0 days 1,946 sqft
    2019-10-01 0 days 1,980 sqft
    2019-11-01 0 days 1,879 sqft
    2019-12-01 0 days 1,875 sqft
    2020-01-01 0 days 2,019 sqft
    2020-02-01 0 days 1,988 sqft
    2020-03-01 0 days 2,019 sqft
    2020-04-01 0 days 2,016 sqft
    2020-05-01 0 days 2,024 sqft
    2020-06-01 0 days 2,103 sqft
    2020-07-01 0 days 1,934 sqft
    2020-08-01 0 days 2,129 sqft
    2020-09-01 0 days 2,235 sqft
    2020-10-01 0 days 2,120 sqft
    2020-11-01 0 days 1,740 sqft
    2020-12-01 0 days 1,616 sqft
    2021-01-01 0 days 1,738 sqft
    2021-02-01 0 days 1,833 sqft
    2021-03-01 0 days 1,852 sqft
    2021-04-01 0 days 1,821 sqft
    2021-05-01 0 days 1,928 sqft
    2021-06-01 0 days 1,756 sqft
    2021-07-01 0 days 1,611 sqft
    2021-08-01 0 days 1,939 sqft
    2021-09-01 0 days 1,995 sqft
    2021-10-01 0 days 1,937 sqft
    2021-11-01 0 days 1,873 sqft
    2021-12-01 0 days 1,796 sqft
    2022-01-01 0 days 1,456 sqft
    2022-02-01 0 days 2,192 sqft
    2022-03-01 0 days 2,051 sqft
    2022-04-01 0 days 1,978 sqft
    2022-05-01 0 days 1,595 sqft
    2022-06-01 0 days 1,684 sqft
    2022-07-01 0 days 1,634 sqft
    2022-08-01 0 days 1,863 sqft
    2022-09-01 0 days 1,663 sqft
    2022-10-01 0 days 1,823 sqft
    2022-11-01 0 days 1,744 sqft
    2022-12-01 0 days 1,702 sqft
    2023-01-01 0 days 1,655 sqft
    2023-02-01 0 days 1,574 sqft
    2023-03-01 0 days 1,579 sqft
    2023-04-01 0 days 1,872 sqft
    2023-05-01 0 days 1,953 sqft
    2023-06-01 0 days 1,962 sqft
    2023-07-01 0 days 1,908 sqft
    2023-08-01 0 days 1,894 sqft
    2023-09-01 0 days 1,920 sqft
    2023-10-01 0 days 1,972 sqft
    2023-11-01 0 days 2,037 sqft
    2023-12-01 0 days 2,054 sqft
    2024-01-01 0 days 2,025 sqft
    2024-02-01 0 days 2,028 sqft
    2024-03-01 0 days 2,054 sqft
    2024-04-01 0 days 2,034 sqft
    2024-05-01 0 days 1,996 sqft
    2024-06-01 0 days 1,856 sqft
    2024-07-01 0 days 1,905 sqft
    2024-08-01 0 days 1,766 sqft
    2024-09-01 0 days 1,859 sqft
    2024-10-01 0 days 1,879 sqft
    2024-11-01 0 days 1,746 sqft
    2024-12-01 0 days 1,735 sqft
    2025-01-01 0 days 1,850 sqft
    Worthington's median listing age (time on market) for 2025-01-01 was 0 days.

    Worthington's median square footage for active listings during the 2025-01-01 period was 1,850 sqft. One year prior, the average listing was 2,025 sqft.