York USDA Loan Rates, Closing Costs & Stats

YORK-HANOVER, PA

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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.

    York's 23 lenders originated 40 USDA loans during 2023. The total origination value was $9,070,000, with an average USDA loan value of $226,750.

    York USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in York averaged 6.42% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    York's average USDA mortgage closing costs are $5,871.

    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 6.32%.

    The average rate one year ago was 6.41%.

    For refis of the same type during the week of 2025-02-14, the average rate was 7.1%.

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

    York 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 York level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    MOVEMENT MORTGAGE, LLC 5 7.25% $8,559
    GUILD MORTGAGE COMPANY 4 6.47% $6,681
    Meridian Bank Corporation 3 5.75% $8,278
    Northpointe Bank 3 6.25% $8,526
    York Traditions Bank 2 5.94% $8,669
    BROKER SOLUTIONS, INC. 2 6.13% $5,450
    ENVOY MORTGAGE, LTD 2 6.63% $12,140
    NFM, INC. 2 6.50% $8,639
    Towne Bank 2 6.38% $6,681
    UNITED WHOLESALE MORTGAGE, LLC 1 6.25% $10,889
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 5.75% $11,183
    CROSSCOUNTRY MORTGAGE, LLC 1 7.25% $6,575
    MEMBERS 1ST FEDERAL CREDIT UNION 1 6.25% $7,410
    Carrington Mortgage Services, LLC 1 7.13% $8,150
    BAYSHORE MORTGAGE FUNDING, LLC 1 7.13% $12,036
    WesBanco 1 5.63% $6,267
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.13% $12,022
    RADIUS FINANCIAL GROUP INC. 1 6.38% $8,755
    Alcova Mortgage LLC 1 7.25% $5,762
    UNION HOME MORTGAGE CORP. 1 7.00% $6,235
    DHI MORTGAGE COMPANY, LTD. 1 5.75% $6,728
    DIRECT MORTGAGE LOANS, LLC 1 7.62% $11,051
    EMM LOANS LLC 1 6.75% $10,590

    The top York USDA lender as defined by loan originations is MOVEMENT MORTGAGE, LLC, with 5 USDA loans originated. Their average total fees are $8,559, which is $1,878 higher than the next largest lender, GUILD MORTGAGE COMPANY.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - York (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 $211,450 (14.3%) $236,350 (10.1%) 0.78 1,523
    2018-02-01 $214,949 (16.2%) $242,458 (12.8%) 0.78 1,407
    2018-03-01 $213,921 (12.7%) $243,937 (9.3%) 0.75 1,392
    2018-04-01 $219,900 (10.0%) $246,994 (7.2%) 0.75 1,457
    2018-05-01 $226,950 (7.6%) $253,143 (7.2%) 0.76 1,494
    2018-06-01 $229,410 (9.3%) $255,854 (7.5%) 0.76 1,581
    2018-07-01 $228,114 (8.7%) $255,806 (6.4%) 0.76 1,594
    2018-08-01 $224,900 (7.1%) $253,985 (6.1%) 0.75 1,630
    2018-09-01 $219,900 (8.9%) $248,776 (5.5%) 0.74 1,586
    2018-10-01 $219,450 (4.8%) $246,206 (2.9%) 0.74 1,653
    2018-11-01 $219,900 (10.0%) $245,939 (5.6%) 0.75 1,660
    2018-12-01 $217,400 (8.8%) $243,146 (4.9%) 0.75 1,600
    2019-01-01 $218,193 (3.2%) $240,851 (1.9%) 0.75 1,415
    2019-02-01 $219,900 (2.3%) $243,187 (0.3%) 0.74 1,304
    2019-03-01 $219,900 (2.8%) $247,356 (1.4%) 0.72 1,287
    2019-04-01 $220,650 (0.3%) $253,323 (2.6%) 0.70 1,293
    2019-05-01 $228,900 (0.9%) $258,865 (2.3%) 0.71 1,335
    2019-06-01 $229,900 (0.2%) $263,555 (3.0%) 0.72 1,399
    2019-07-01 $238,900 (4.7%) $269,117 (5.2%) 0.75 1,416
    2019-08-01 $238,564 (6.1%) $272,409 (7.3%) 0.76 1,395
    2019-09-01 $236,559 (7.6%) $274,674 (10.4%) 0.76 1,358
    2019-10-01 $235,000 (7.1%) $276,169 (12.2%) 0.76 1,323
    2019-11-01 $231,995 (5.5%) $271,545 (10.4%) 0.76 1,206
    2019-12-01 $235,570 (8.4%) $271,197 (11.5%) 0.79 1,097
    2020-01-01 $237,659 (8.9%) $270,752 (12.4%) 0.79 996
    2020-02-01 $248,983 (13.2%) $278,158 (14.4%) 0.82 919
    2020-03-01 $258,570 (17.6%) $288,376 (16.6%) 0.81 911
    2020-04-01 $267,900 (21.4%) $296,070 (16.9%) 0.84 839
    2020-05-01 $259,998 (13.6%) $295,840 (14.3%) 0.79 901
    2020-06-01 $255,423 (11.1%) $293,154 (11.2%) 0.75 851
    2020-07-01 $260,629 (9.1%) $308,860 (14.8%) 0.76 756
    2020-08-01 $271,400 (13.8%) $312,036 (14.6%) 0.78 681
    2020-09-01 $268,445 (13.5%) $310,540 (13.1%) 0.77 645
    2020-10-01 $259,995 (10.6%) $305,693 (10.7%) 0.75 636
    2020-11-01 $262,500 (13.2%) $310,743 (14.4%) 0.77 605
    2020-12-01 $263,945 (12.1%) $315,609 (16.4%) 0.79 540
    2021-01-01 $264,945 (11.5%) $316,802 (17.0%) 0.79 442
    2021-02-01 $274,482 (10.2%) $319,792 (15.0%) 0.80 406
    2021-03-01 $276,443 (6.9%) $309,138 (7.2%) 0.78 422
    2021-04-01 $280,699 (4.8%) $307,995 (4.0%) 0.76 427
    2021-05-01 $278,950 (7.3%) $304,129 (2.8%) 0.74 475
    2021-06-01 $259,950 (1.8%) $294,464 (0.5%) 0.69 593
    2021-07-01 $269,000 (3.2%) $299,990 (-2.9%) 0.71 630
    2021-08-01 $262,057 (-3.4%) $297,890 (-4.5%) 0.70 647
    2021-09-01 $262,475 (-2.2%) $302,423 (-2.6%) 0.70 630
    2021-10-01 $260,000 (0.0%) $304,136 (-0.5%) 0.71 580
    2021-11-01 $263,993 (0.6%) $303,982 (-2.2%) 0.71 555
    2021-12-01 $277,425 (5.1%) $321,063 (1.7%) 0.75 478
    2022-01-01 $305,000 (15.1%) $339,982 (7.3%) 0.83 409
    2022-02-01 $311,495 (13.5%) $341,235 (6.7%) 0.81 412
    2022-03-01 $319,900 (15.7%) $347,201 (12.3%) 0.81 440
    2022-04-01 $323,275 (15.2%) $347,130 (12.7%) 0.77 448
    2022-05-01 $326,400 (17.0%) $357,777 (17.6%) 0.75 519
    2022-06-01 $322,471 (24.1%) $357,812 (21.5%) 0.72 568
    2022-07-01 $318,930 (18.6%) $353,606 (17.9%) 0.72 617
    2022-08-01 $324,900 (24.0%) $356,873 (19.8%) 0.75 605
    2022-09-01 $329,450 (25.5%) $363,903 (20.3%) 0.77 596
    2022-10-01 $340,000 (30.8%) $365,177 (20.1%) 0.80 597
    2022-11-01 $339,900 (28.8%) $359,574 (18.3%) 0.82 583
    2022-12-01 $345,495 (24.5%) $361,318 (12.5%) 0.85 564
    2023-01-01 $348,850 (14.4%) $362,856 (6.7%) 0.86 525
    2023-02-01 $358,650 (15.1%) $373,752 (9.5%) 0.87 479
    2023-03-01 $355,720 (11.2%) $373,584 (7.6%) 0.84 468
    2023-04-01 $342,990 (6.1%) $368,573 (6.2%) 0.80 450
    2023-05-01 $349,900 (7.2%) $374,222 (4.6%) 0.79 485
    2023-06-01 $349,500 (8.4%) $378,247 (5.7%) 0.78 512
    2023-07-01 $332,245 (4.2%) $379,103 (7.2%) 0.76 566
    2023-08-01 $337,495 (3.9%) $388,380 (8.8%) 0.78 605
    2023-09-01 $329,995 (0.2%) $381,126 (4.7%) 0.77 656
    2023-10-01 $322,450 (-5.2%) $374,134 (2.5%) 0.76 714
    2023-11-01 $318,169 (-6.4%) $362,788 (0.9%) 0.76 742
    2023-12-01 $316,206 (-8.5%) $357,030 (-1.2%) 0.77 684
    2024-01-01 $324,990 (-6.8%) $370,626 (2.1%) 0.79 604
    2024-02-01 $337,490 (-5.9%) $381,468 (2.1%) 0.81 526
    2024-03-01 $339,900 (-4.5%) $392,169 (5.0%) 0.80 505
    2024-04-01 $339,993 (-0.9%) $411,642 (11.7%) 0.79 523
    2024-05-01 $362,450 (3.6%) $417,228 (11.5%) 0.84 539
    2024-06-01 $353,500 (1.1%) $413,559 (9.3%) 0.84 581
    2024-07-01 $359,950 (8.3%) $412,822 (8.9%) 0.82 607
    2024-08-01 $339,900 (0.7%) $392,770 (1.1%) 0.79 678
    2024-09-01 $331,500 (0.5%) $382,559 (0.4%) 0.78 733
    2024-10-01 $344,500 (6.8%) $390,981 (4.5%) 0.81 727
    2024-11-01 $344,900 (8.4%) $392,538 (8.2%) 0.83 717
    2024-12-01 $346,950 (9.7%) $394,432 (10.5%) 0.86 635
    2025-01-01 $357,250 (9.9%) $406,925 (9.8%) 0.00 576
    York's median listing price for 2025-01-01 was $357,250, a difference of $32,260 (9.9%) versus the prior year and $10,300 versus the prior month.

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

    York's average listing price for 2025-01-01 was $406,925, a difference of $36,299 (9.8%) versus the prior year and $12,493 versus the prior month.

    For the 2025-01-01 period, York had 576 MLS listings, a difference of -59 listings (-9%) versus the prior month and -28 listings (-5%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - York (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 85 days 1,837 sqft
    2018-02-01 79 days 1,844 sqft
    2018-03-01 60 days 1,846 sqft
    2018-04-01 49 days 1,860 sqft
    2018-05-01 44 days 1,873 sqft
    2018-06-01 46 days 2,060 sqft
    2018-07-01 52 days 2,020 sqft
    2018-08-01 54 days 2,016 sqft
    2018-09-01 57 days 2,000 sqft
    2018-10-01 58 days 1,991 sqft
    2018-11-01 58 days 1,950 sqft
    2018-12-01 65 days 1,910 sqft
    2019-01-01 75 days 1,877 sqft
    2019-02-01 78 days 1,879 sqft
    2019-03-01 63 days 1,894 sqft
    2019-04-01 48 days 1,922 sqft
    2019-05-01 44 days 1,961 sqft
    2019-06-01 47 days 1,983 sqft
    2019-07-01 47 days 2,026 sqft
    2019-08-01 50 days 2,048 sqft
    2019-09-01 54 days 2,041 sqft
    2019-10-01 56 days 2,031 sqft
    2019-11-01 61 days 1,996 sqft
    2019-12-01 69 days 1,972 sqft
    2020-01-01 70 days 1,960 sqft
    2020-02-01 59 days 1,980 sqft
    2020-03-01 42 days 2,031 sqft
    2020-04-01 62 days 2,072 sqft
    2020-05-01 67 days 2,073 sqft
    2020-06-01 41 days 2,012 sqft
    2020-07-01 40 days 2,053 sqft
    2020-08-01 40 days 2,064 sqft
    2020-09-01 37 days 1,996 sqft
    2020-10-01 48 days 1,976 sqft
    2020-11-01 51 days 1,950 sqft
    2020-12-01 58 days 1,939 sqft
    2021-01-01 66 days 1,920 sqft
    2021-02-01 61 days 1,893 sqft
    2021-03-01 42 days 1,905 sqft
    2021-04-01 38 days 1,909 sqft
    2021-05-01 37 days 1,909 sqft
    2021-06-01 36 days 1,864 sqft
    2021-07-01 38 days 1,868 sqft
    2021-08-01 38 days 1,860 sqft
    2021-09-01 45 days 1,845 sqft
    2021-10-01 51 days 1,872 sqft
    2021-11-01 45 days 1,839 sqft
    2021-12-01 50 days 1,846 sqft
    2022-01-01 49 days 1,900 sqft
    2022-02-01 39 days 1,900 sqft
    2022-03-01 38 days 1,917 sqft
    2022-04-01 38 days 1,948 sqft
    2022-05-01 35 days 1,943 sqft
    2022-06-01 34 days 1,958 sqft
    2022-07-01 37 days 1,986 sqft
    2022-08-01 36 days 1,957 sqft
    2022-09-01 44 days 2,003 sqft
    2022-10-01 48 days 2,030 sqft
    2022-11-01 51 days 2,011 sqft
    2022-12-01 54 days 2,007 sqft
    2023-01-01 61 days 2,000 sqft
    2023-02-01 50 days 2,068 sqft
    2023-03-01 43 days 2,023 sqft
    2023-04-01 39 days 1,976 sqft
    2023-05-01 33 days 2,009 sqft
    2023-06-01 36 days 1,997 sqft
    2023-07-01 35 days 1,958 sqft
    2023-08-01 34 days 1,965 sqft
    2023-09-01 37 days 1,967 sqft
    2023-10-01 41 days 1,934 sqft
    2023-11-01 40 days 1,923 sqft
    2023-12-01 49 days 1,900 sqft
    2024-01-01 59 days 1,915 sqft
    2024-02-01 53 days 1,919 sqft
    2024-03-01 40 days 1,920 sqft
    2024-04-01 37 days 1,941 sqft
    2024-05-01 28 days 2,003 sqft
    2024-06-01 33 days 2,033 sqft
    2024-07-01 38 days 2,022 sqft
    2024-08-01 37 days 1,950 sqft
    2024-09-01 38 days 1,910 sqft
    2024-10-01 43 days 1,947 sqft
    2024-11-01 43 days 1,930 sqft
    2024-12-01 46 days 1,917 sqft
    2025-01-01 0 days 1,932 sqft
    York's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    York's median square footage for active listings during the 2025-01-01 period was 1,932 sqft. One year prior, the average listing was 1,915 sqft.