Worthington USDA Loan Rates, Closing Costs & Stats
Worthington, MN
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 2025-01-10, compared to the national average (all USDA variants) of
6.521% for the same period.
Worthington's average USDA mortgage closing costs are $5,529.
The average rate for the prior week (2025-01-03) was
6.4% and
one month ago for the week of 2024-12-06, the
average rate was 6.43%.
The average rate one year ago was 6.77%.
For refis of the same type during the week of 2025-01-10, the average rate
was 6.32%.
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 | $175,000 (27.0%) | $171,082 (-13.3%) | 0.00 | 50 |
| 2018-07-01 | $167,500 (25.1%) | $172,571 (-12.0%) | 0.00 | 62 |
| 2018-08-01 | $179,900 (31.4%) | $179,422 (4.9%) | 0.00 | 65 |
| 2018-09-01 | $169,000 (33.1%) | $174,984 (7.3%) | 0.00 | 62 |
| 2018-10-01 | $159,600 (22.9%) | $163,450 (0.9%) | 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 (1.4%) | $183,669 (7.4%) | 0.00 | 75 |
| 2019-07-01 | $169,900 (1.4%) | $176,433 (2.2%) | 0.00 | 74 |
| 2019-08-01 | $173,082 (-3.8%) | $176,309 (-1.7%) | 0.00 | 75 |
| 2019-09-01 | $174,105 (3.0%) | $175,039 (0.0%) | 0.00 | 70 |
| 2019-10-01 | $174,900 (9.6%) | $174,782 (6.9%) | 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 | $194,900 (11.5%) | $194,032 (-18.3%) | 0.00 | 16 |
| 2022-01-01 | $229,500 (31.1%) | $209,667 (-11.7%) | 0.00 | 14 |
| 2022-02-01 | $186,000 (4.9%) | $209,856 (-13.7%) | 0.00 | 14 |
| 2022-03-01 | $174,900 (-16.8%) | $200,106 (-20.4%) | 0.00 | 17 |
| 2022-04-01 | $184,000 (9.9%) | $231,543 (6.6%) | 0.00 | 19 |
| 2022-05-01 | $204,700 (-7.9%) | $234,439 (0.6%) | 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 (22.4%) | $238,000 (22.7%) | 0.00 | 27 |
| 2023-01-01 | $241,075 (5.0%) | $232,353 (10.8%) | 0.00 | 25 |
| 2023-02-01 | $187,225 (0.7%) | $216,233 (3.0%) | 0.00 | 24 |
| 2023-03-01 | $209,750 (19.9%) | $225,450 (12.7%) | 0.00 | 22 |
| 2023-04-01 | $245,000 (33.2%) | $251,765 (8.7%) | 0.00 | 24 |
| 2023-05-01 | $284,125 (38.8%) | $273,618 (16.7%) | 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 | $295,000 (30.4%) | $303,565 (24.3%) | 0.00 | 33 |
| 2023-09-01 | $295,000 (11.5%) | $300,311 (19.0%) | 0.00 | 32 |
| 2023-10-01 | $295,000 (17.0%) | $290,197 (15.1%) | 0.00 | 33 |
| 2023-11-01 | $298,575 (21.4%) | $287,937 (17.4%) | 0.00 | 29 |
| 2023-12-01 | $297,000 (24.5%) | $280,850 (18.0%) | 0.00 | 32 |
| 2024-01-01 | $287,250 (19.2%) | $275,878 (18.7%) | 0.00 | 37 |
| 2024-02-01 | $249,900 (33.5%) | $271,916 (25.8%) | 0.00 | 36 |
| 2024-03-01 | $295,000 (40.6%) | $294,647 (30.7%) | 0.00 | 30 |
| 2024-04-01 | $284,850 (16.3%) | $291,256 (15.7%) | 0.00 | 33 |
| 2024-05-01 | $286,225 (0.7%) | $283,077 (3.5%) | 0.00 | 38 |
| 2024-06-01 | $292,500 (3.6%) | $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 (-12.2%) | $276,796 (-8.8%) | 0.00 | 50 |
| 2024-09-01 | $254,000 (-13.9%) | $273,641 (-8.9%) | 0.00 | 51 |
| 2024-10-01 | $261,600 (-11.3%) | $286,746 (-1.2%) | 0.00 | 50 |
| 2024-11-01 | $239,000 (-20.0%) | $257,818 (-10.5%) | 0.00 | 46 |
| 2024-12-01 | $223,725 (-24.7%) | $259,724 (-7.5%) | 0.00 | 39 |
Worthington's median listing price comes in at 0% of the national average.
Worthington's average listing price for 2024-12-01 was $259,724, a difference of $-21,126 (-7.5%) versus the prior year and $1,906 versus the prior month.
For the 2024-12-01 period, Worthington had 39 MLS listings, a difference of -7 listings (-15%) versus the prior month and 7 listings (22%) 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 | 2,211 sqft |
| 2018-07-01 | 0 days | 2,080 sqft |
| 2018-08-01 | 0 days | 2,126 sqft |
| 2018-09-01 | 0 days | 2,090 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 | 1,826 sqft |
| 2022-01-01 | 0 days | 1,516 sqft |
| 2022-02-01 | 0 days | 2,178 sqft |
| 2022-03-01 | 0 days | 2,057 sqft |
| 2022-04-01 | 0 days | 2,068 sqft |
| 2022-05-01 | 0 days | 1,601 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 | 1,880 sqft |
| 2023-09-01 | 0 days | 1,908 sqft |
| 2023-10-01 | 0 days | 1,958 sqft |
| 2023-11-01 | 0 days | 2,019 sqft |
| 2023-12-01 | 0 days | 2,043 sqft |
| 2024-01-01 | 0 days | 2,022 sqft |
| 2024-02-01 | 0 days | 2,028 sqft |
| 2024-03-01 | 0 days | 2,042 sqft |
| 2024-04-01 | 0 days | 2,034 sqft |
| 2024-05-01 | 0 days | 1,996 sqft |
| 2024-06-01 | 0 days | 1,784 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 |
Worthington's median square footage for active listings during the 2024-12-01 period was 1,735 sqft. One year prior, the average listing was 2,043 sqft.