York USDA Loan Rates, Closing Costs & Stats
YORK-HANOVER, PA
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 19 lenders originated 43 USDA loans during 2024. The total origination value was $9,585,000, with an average USDA loan value of $222,907.
York USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in York
averaged
6.81%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
York's average USDA mortgage closing costs are $5,944.
The average rate for the prior week (2025-05-16) was
6.44% and
one month ago for the week of 2025-04-18, the
average rate was 6.53%.
The average rate one year ago was 6.8%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.57%.
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 | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| MOVEMENT MORTGAGE, LLC | 5 | 6.60% | $7,096 |
| Fulton Bank | 4 | 6.41% | $6,878 |
| Alcova Mortgage LLC | 3 | 6.25% | $5,490 |
| CROSSCOUNTRY MORTGAGE, LLC | 3 | 6.08% | $8,930 |
| BROKER SOLUTIONS, INC. | 3 | 6.41% | $10,029 |
| GUILD MORTGAGE COMPANY | 2 | 6.50% | $9,577 |
| UNITED WHOLESALE MORTGAGE, LLC | 2 | 6.94% | $7,721 |
| CMG MORTGAGE, INC. | 2 | 6.94% | $7,090 |
| EMM LOANS LLC | 2 | 6.56% | $7,937 |
| Equity Prime Mortgage LLC | 2 | 6.56% | $8,631 |
| FIRST HOME MORTGAGE CORPORATION | 2 | 6.38% | $14,902 |
| Meridian Bank Corporation | 2 | 6.00% | $9,334 |
| Sierra Pacific Mortgage Company, Inc. | 2 | 6.37% | $5,842 |
| GUARANTEED RATE AFFINITY, LLC | 1 | 6.63% | $8,566 |
| M&T Bank | 1 | 6.13% | $7,890 |
| RADIUS FINANCIAL GROUP INC. | 1 | 7.25% | $6,044 |
| Shore United Bank | 1 | 5.88% | $9,158 |
| Integrity Home Mortgage Corp | 1 | 5.63% | $8,471 |
| Atlantic Coast Mortgage, LLC | 1 | 5.99% | $11,044 |
The top York USDA lender as defined by loan originations is MOVEMENT MORTGAGE, LLC, with
5 USDA loans originated. Their average total fees are
$7,096, which is $219
higher than the next largest lender,
Fulton Bank.
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%) | 0.77 | 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%) | 0.72 | 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%) | 0.68 | 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%) | 0.69 | 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%) | 0.82 | 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%) | 0.80 | 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%) | 0.79 | 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%) | 0.82 | 539 |
| 2024-06-01 | $353,500 (1.1%) | $413,559 (9.3%) | 0.80 | 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%) | 0.89 | 576 |
| 2025-02-01 | $360,185 (6.7%) | $410,564 (7.6%) | 0.87 | 545 |
| 2025-03-01 | $362,945 (6.8%) | $418,242 (6.7%) | 0.85 | 574 |
| 2025-04-01 | $372,424 (9.5%) | $433,603 (5.3%) | 0.86 | 610 |
York's median listing price comes in at 86% of the national average.
York's average listing price for 2025-04-01 was $433,603, a difference of $21,961 (5.3%) versus the prior year and $15,361 versus the prior month.
For the 2025-04-01 period, York had 610 MLS listings, a difference of 36 listings (6%) versus the prior month and 87 listings (17%) 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 | 47 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 | 55 days | 2,041 sqft |
| 2019-10-01 | 57 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 | 46 days | 1,845 sqft |
| 2021-10-01 | 52 days | 1,872 sqft |
| 2021-11-01 | 46 days | 1,839 sqft |
| 2021-12-01 | 50 days | 1,846 sqft |
| 2022-01-01 | 49 days | 1,900 sqft |
| 2022-02-01 | 40 days | 1,900 sqft |
| 2022-03-01 | 38 days | 1,917 sqft |
| 2022-04-01 | 38 days | 1,948 sqft |
| 2022-05-01 | 36 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 | 34 days | 2,003 sqft |
| 2024-06-01 | 36 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 | 52 days | 1,932 sqft |
| 2025-02-01 | 46 days | 1,936 sqft |
| 2025-03-01 | 36 days | 1,930 sqft |
| 2025-04-01 | 29 days | 1,989 sqft |
York's median square footage for active listings during the 2025-04-01 period was 1,989 sqft. One year prior, the average listing was 1,941 sqft.