Youngstown USDA Loan Rates, Closing Costs & Stats
YOUNGSTOWN-WARREN-BOARDMAN, OH-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.
Youngstown's 26 lenders originated 55 USDA loans during 2023. The total origination value was $8,175,000, with an average USDA loan value of $148,636.
Youngstown USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Youngstown
averaged
6.35%
for the week of 2024-12-13, compared to the national average (all USDA variants) of
6.303% for the same period.
Youngstown's average USDA mortgage closing costs are $5,057.
The average rate for the prior week (2024-12-06) was
6.48% and
one month ago for the week of 2024-11-08, the
average rate was 6.7%.
The average rate one year ago was 6.97%.
For refis of the same type during the week of 2024-12-13, the average rate
was 7.04%.
Youngstown 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 Youngstown level.
The top Youngstown USDA lender as defined by loan originations is Ixonia Bank, with
14 USDA loans originated. Their average total fees are
$8,051, which is $2,742
lower than the next largest lender,
PLANET HOME LENDING, LLC.
The lowest fee Youngstown USDA lenders (with over 10 loans originated) are
Ixonia Bank ($8,051), .
The lowest rate Youngstown USDA lenders (with over 10 loans originated) are
Ixonia Bank (6.96%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Youngstown (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $105,000 (11.2%) | $150,868 (6.2%) | 0.39 | 1,888 |
2018-02-01 | $102,400 (6.6%) | $150,818 (3.6%) | 0.37 | 1,822 |
2018-03-01 | $109,900 (10.7%) | $156,364 (7.6%) | 0.39 | 1,755 |
2018-04-01 | $111,250 (11.4%) | $156,003 (7.0%) | 0.38 | 1,694 |
2018-05-01 | $118,500 (12.9%) | $161,936 (6.4%) | 0.40 | 1,723 |
2018-06-01 | $118,850 (16.5%) | $160,759 (6.9%) | 0.40 | 1,760 |
2018-07-01 | $117,750 (12.1%) | $159,937 (7.8%) | 0.39 | 1,889 |
2018-08-01 | $119,700 (14.0%) | $162,626 (9.4%) | 0.40 | 1,929 |
2018-09-01 | $120,000 (9.1%) | $162,693 (7.4%) | 0.40 | 1,928 |
2018-10-01 | $120,937 (10.0%) | $163,026 (7.2%) | 0.41 | 1,941 |
2018-11-01 | $119,900 (9.1%) | $162,641 (6.0%) | 0.41 | 1,899 |
2018-12-01 | $119,500 (10.1%) | $162,438 (7.8%) | 0.41 | 1,749 |
2019-01-01 | $119,900 (14.2%) | $161,394 (7.0%) | 0.41 | 1,697 |
2019-02-01 | $119,900 (17.1%) | $161,705 (7.2%) | 0.41 | 1,640 |
2019-03-01 | $122,086 (11.1%) | $168,839 (8.0%) | 0.40 | 1,610 |
2019-04-01 | $122,111 (9.8%) | $172,942 (10.9%) | 0.39 | 1,622 |
2019-05-01 | $124,900 (5.4%) | $174,700 (7.9%) | 0.39 | 1,573 |
2019-06-01 | $129,000 (8.5%) | $179,819 (11.9%) | 0.40 | 1,680 |
2019-07-01 | $129,900 (10.3%) | $180,090 (12.6%) | 0.41 | 1,748 |
2019-08-01 | $129,082 (7.8%) | $178,126 (9.5%) | 0.41 | 1,761 |
2019-09-01 | $127,855 (6.6%) | $176,186 (8.3%) | 0.41 | 1,779 |
2019-10-01 | $125,950 (4.1%) | $175,156 (7.4%) | 0.41 | 1,784 |
2019-11-01 | $122,900 (2.5%) | $171,810 (5.6%) | 0.40 | 1,722 |
2019-12-01 | $119,900 (0.3%) | $170,627 (5.0%) | 0.40 | 1,644 |
2020-01-01 | $119,900 (0.0%) | $170,381 (5.6%) | 0.40 | 1,535 |
2020-02-01 | $119,900 (0.0%) | $169,536 (4.8%) | 0.39 | 1,399 |
2020-03-01 | $120,000 (-1.7%) | $174,925 (3.6%) | 0.38 | 1,277 |
2020-04-01 | $119,700 (-2.0%) | $174,852 (1.1%) | 0.37 | 1,214 |
2020-05-01 | $125,000 (0.1%) | $179,592 (2.8%) | 0.38 | 1,114 |
2020-06-01 | $129,900 (0.7%) | $186,647 (3.8%) | 0.38 | 1,017 |
2020-07-01 | $130,950 (0.8%) | $189,096 (5.0%) | 0.38 | 926 |
2020-08-01 | $135,000 (4.6%) | $190,863 (7.2%) | 0.39 | 866 |
2020-09-01 | $137,450 (7.5%) | $194,419 (10.4%) | 0.39 | 796 |
2020-10-01 | $136,000 (8.0%) | $194,938 (11.3%) | 0.39 | 818 |
2020-11-01 | $136,900 (11.4%) | $190,977 (11.2%) | 0.40 | 812 |
2020-12-01 | $135,450 (13.0%) | $191,433 (12.2%) | 0.40 | 753 |
2021-01-01 | $129,900 (8.3%) | $191,043 (12.1%) | 0.39 | 642 |
2021-02-01 | $129,450 (8.0%) | $194,838 (14.9%) | 0.38 | 523 |
2021-03-01 | $129,900 (8.3%) | $189,255 (8.2%) | 0.37 | 476 |
2021-04-01 | $131,000 (9.4%) | $195,347 (11.7%) | 0.35 | 451 |
2021-05-01 | $139,900 (11.9%) | $210,232 (17.1%) | 0.37 | 476 |
2021-06-01 | $135,250 (4.1%) | $201,025 (7.7%) | 0.36 | 589 |
2021-07-01 | $138,500 (5.8%) | $193,972 (2.6%) | 0.37 | 713 |
2021-08-01 | $132,425 (-1.9%) | $192,465 (0.8%) | 0.35 | 767 |
2021-09-01 | $129,900 (-5.5%) | $194,245 (-0.1%) | 0.35 | 773 |
2021-10-01 | $129,900 (-4.5%) | $193,502 (-0.7%) | 0.35 | 773 |
2021-11-01 | $129,900 (-5.1%) | $187,285 (-1.9%) | 0.35 | 751 |
2021-12-01 | $126,350 (-6.7%) | $190,472 (-0.5%) | 0.34 | 662 |
2022-01-01 | $119,950 (-7.7%) | $183,825 (-3.8%) | 0.32 | 580 |
2022-02-01 | $118,750 (-8.3%) | $183,943 (-5.6%) | 0.31 | 486 |
2022-03-01 | $126,250 (-2.8%) | $195,504 (3.3%) | 0.32 | 438 |
2022-04-01 | $131,950 (0.7%) | $203,499 (4.2%) | 0.31 | 476 |
2022-05-01 | $137,200 (-1.9%) | $203,607 (-3.2%) | 0.31 | 567 |
2022-06-01 | $148,000 (9.4%) | $207,977 (3.5%) | 0.33 | 675 |
2022-07-01 | $146,950 (6.1%) | $211,055 (8.8%) | 0.33 | 761 |
2022-08-01 | $150,000 (13.3%) | $211,518 (9.9%) | 0.35 | 815 |
2022-09-01 | $148,250 (14.1%) | $208,344 (7.3%) | 0.35 | 855 |
2022-10-01 | $149,714 (15.3%) | $207,863 (7.4%) | 0.35 | 862 |
2022-11-01 | $151,250 (16.4%) | $209,401 (11.8%) | 0.36 | 826 |
2022-12-01 | $149,900 (18.6%) | $207,102 (8.7%) | 0.37 | 757 |
2023-01-01 | $149,900 (25.0%) | $208,791 (13.6%) | 0.37 | 656 |
2023-02-01 | $151,200 (27.3%) | $208,412 (13.3%) | 0.36 | 576 |
2023-03-01 | $159,900 (26.7%) | $224,253 (14.7%) | 0.38 | 563 |
2023-04-01 | $159,900 (21.2%) | $232,184 (14.1%) | 0.37 | 521 |
2023-05-01 | $162,450 (18.4%) | $235,474 (15.7%) | 0.37 | 511 |
2023-06-01 | $168,750 (14.0%) | $238,221 (14.5%) | 0.38 | 559 |
2023-07-01 | $172,250 (17.2%) | $241,317 (14.3%) | 0.39 | 606 |
2023-08-01 | $180,538 (20.4%) | $245,630 (16.1%) | 0.41 | 676 |
2023-09-01 | $173,650 (17.1%) | $238,173 (14.3%) | 0.40 | 782 |
2023-10-01 | $168,675 (12.7%) | $229,824 (10.6%) | 0.40 | 903 |
2023-11-01 | $165,000 (9.1%) | $225,678 (7.8%) | 0.39 | 897 |
2023-12-01 | $159,900 (6.7%) | $219,997 (6.2%) | 0.39 | 864 |
2024-01-01 | $164,225 (9.6%) | $223,339 (7.0%) | 0.40 | 790 |
2024-02-01 | $159,900 (5.8%) | $224,319 (7.6%) | 0.38 | 706 |
2024-03-01 | $174,900 (9.4%) | $241,851 (7.9%) | 0.41 | 659 |
2024-04-01 | $179,950 (12.5%) | $250,574 (7.9%) | 0.42 | 638 |
2024-05-01 | $185,000 (13.9%) | $263,950 (12.1%) | 0.42 | 653 |
2024-06-01 | $190,000 (12.6%) | $261,982 (10.0%) | 0.43 | 751 |
2024-07-01 | $189,950 (10.3%) | $253,722 (5.1%) | 0.43 | 787 |
2024-08-01 | $189,900 (5.2%) | $248,662 (1.2%) | 0.44 | 886 |
2024-09-01 | $189,906 (9.4%) | $249,886 (4.9%) | 0.45 | 971 |
2024-10-01 | $187,450 (11.1%) | $253,625 (10.4%) | 0.44 | 996 |
2024-11-01 | $185,000 (12.1%) | $252,172 (11.7%) | 0.44 | 1,032 |
Youngstown's median listing price comes in at 44% of the national average.
Youngstown's average listing price for 2024-11-01 was $252,172, a difference of $26,494 (11.7%) versus the prior year and $-1,453 versus the prior month.
For the 2024-11-01 period, Youngstown had 1,032 MLS listings, a difference of 36 listings (4%) versus the prior month and 135 listings (15%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Youngstown (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 103 days | 1,512 sqft |
2018-02-01 | 103 days | 1,506 sqft |
2018-03-01 | 88 days | 1,508 sqft |
2018-04-01 | 76 days | 1,514 sqft |
2018-05-01 | 70 days | 1,535 sqft |
2018-06-01 | 64 days | 1,572 sqft |
2018-07-01 | 62 days | 1,680 sqft |
2018-08-01 | 61 days | 1,700 sqft |
2018-09-01 | 65 days | 1,700 sqft |
2018-10-01 | 66 days | 1,704 sqft |
2018-11-01 | 71 days | 1,697 sqft |
2018-12-01 | 86 days | 1,693 sqft |
2019-01-01 | 96 days | 1,689 sqft |
2019-02-01 | 100 days | 1,703 sqft |
2019-03-01 | 87 days | 1,707 sqft |
2019-04-01 | 72 days | 1,704 sqft |
2019-05-01 | 67 days | 1,629 sqft |
2019-06-01 | 65 days | 1,632 sqft |
2019-07-01 | 64 days | 1,647 sqft |
2019-08-01 | 66 days | 1,655 sqft |
2019-09-01 | 69 days | 1,683 sqft |
2019-10-01 | 72 days | 1,700 sqft |
2019-11-01 | 81 days | 1,696 sqft |
2019-12-01 | 90 days | 1,682 sqft |
2020-01-01 | 98 days | 1,660 sqft |
2020-02-01 | 98 days | 1,658 sqft |
2020-03-01 | 90 days | 1,673 sqft |
2020-04-01 | 84 days | 1,660 sqft |
2020-05-01 | 96 days | 1,681 sqft |
2020-06-01 | 91 days | 1,688 sqft |
2020-07-01 | 58 days | 1,758 sqft |
2020-08-01 | 54 days | 1,722 sqft |
2020-09-01 | 62 days | 1,732 sqft |
2020-10-01 | 62 days | 1,743 sqft |
2020-11-01 | 62 days | 1,693 sqft |
2020-12-01 | 71 days | 1,698 sqft |
2021-01-01 | 81 days | 1,680 sqft |
2021-02-01 | 76 days | 1,679 sqft |
2021-03-01 | 53 days | 1,656 sqft |
2021-04-01 | 45 days | 1,657 sqft |
2021-05-01 | 39 days | 1,691 sqft |
2021-06-01 | 32 days | 1,601 sqft |
2021-07-01 | 36 days | 1,552 sqft |
2021-08-01 | 41 days | 1,535 sqft |
2021-09-01 | 45 days | 1,518 sqft |
2021-10-01 | 46 days | 1,512 sqft |
2021-11-01 | 47 days | 1,529 sqft |
2021-12-01 | 56 days | 1,507 sqft |
2022-01-01 | 68 days | 1,480 sqft |
2022-02-01 | 63 days | 1,452 sqft |
2022-03-01 | 52 days | 1,493 sqft |
2022-04-01 | 38 days | 1,540 sqft |
2022-05-01 | 34 days | 1,522 sqft |
2022-06-01 | 35 days | 1,582 sqft |
2022-07-01 | 38 days | 1,609 sqft |
2022-08-01 | 42 days | 1,630 sqft |
2022-09-01 | 46 days | 1,602 sqft |
2022-10-01 | 50 days | 1,596 sqft |
2022-11-01 | 53 days | 1,621 sqft |
2022-12-01 | 62 days | 1,568 sqft |
2023-01-01 | 73 days | 1,580 sqft |
2023-02-01 | 68 days | 1,568 sqft |
2023-03-01 | 49 days | 1,638 sqft |
2023-04-01 | 51 days | 1,629 sqft |
2023-05-01 | 44 days | 1,626 sqft |
2023-06-01 | 38 days | 1,661 sqft |
2023-07-01 | 37 days | 1,680 sqft |
2023-08-01 | 40 days | 1,727 sqft |
2023-09-01 | 40 days | 1,661 sqft |
2023-10-01 | 42 days | 1,615 sqft |
2023-11-01 | 45 days | 1,630 sqft |
2023-12-01 | 57 days | 1,573 sqft |
2024-01-01 | 72 days | 1,613 sqft |
2024-02-01 | 73 days | 1,601 sqft |
2024-03-01 | 59 days | 1,650 sqft |
2024-04-01 | 47 days | 1,679 sqft |
2024-05-01 | 40 days | 1,696 sqft |
2024-06-01 | 39 days | 1,728 sqft |
2024-07-01 | 44 days | 1,656 sqft |
2024-08-01 | 43 days | 1,672 sqft |
2024-09-01 | 44 days | 1,729 sqft |
2024-10-01 | 49 days | 1,686 sqft |
2024-11-01 | 55 days | 1,654 sqft |
Youngstown's median square footage for active listings during the 2024-11-01 period was 1,654 sqft. One year prior, the average listing was 1,630 sqft.