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 21 lenders originated 47 USDA loans during 2024. The total origination value was $7,265,000, with an average USDA loan value of $154,574.
Youngstown USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Youngstown
averaged
6.56%
for the week of 2025-07-11, compared to the national average (all USDA variants) of
6.449% for the same period.
Youngstown's average USDA mortgage closing costs are $5,170.
The average rate for the prior week (2025-07-04) was
6.57% and
one month ago for the week of 2025-06-06, the
average rate was 6.77%.
The average rate one year ago was 7.05%.
For refis of the same type during the week of 2025-07-11, the average rate
was 7%.
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.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| Ixonia Bank | 17 | 6.66% | $8,115 |
| PLANET HOME LENDING, LLC | 3 | 6.54% | $7,038 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 2 | 6.25% | $2,022 |
| UNION HOME MORTGAGE CORP. | 2 | 6.81% | $6,892 |
| CROSSCOUNTRY MORTGAGE, LLC | 2 | 6.13% | $5,572 |
| HOWARD HANNA FINANCIAL SERVICES, INC. | 2 | 5.63% | $5,629 |
| NEWREZ LLC | 2 | 6.25% | $5,922 |
| POLARIS HOME FUNDING CORP. | 2 | 6.13% | $7,587 |
| Plains Commerce Bank | 1 | 6.25% | $6,653 |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 1 | 6.75% | $5,156 |
| RUOFF MORTGAGE COMPANY, INC. | 1 | 6.88% | $8,626 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 6.62% | $8,595 |
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | 6.38% | $6,594 |
| WEST PENN FINANCIAL SERVICE CENTER, INC. | 1 | 5.63% | $5,523 |
| CARDINAL FINANCIAL | 1 | 5.75% | $5,581 |
| EUSTIS AND AMERICAN MORTGAGE COMPANY | 1 | 6.63% | $5,079 |
| FIRST COMMUNITY MORTGAGE, INC. | 1 | 6.00% | $8,030 |
| Flagstar Bank, FSB | 1 | 6.63% | $7,698 |
| Hometown Equity Mortgage, LLC | 1 | 6.50% | $9,153 |
| LIBERTY HOME MORTGAGE CORPORATION | 1 | 7.25% | $5,148 |
| Meridian Bank Corporation | 1 | 6.13% | $6,324 |
The top Youngstown USDA lender as defined by loan originations is Ixonia Bank, with
17 USDA loans originated. Their average total fees are
$8,115, which is $1,078
higher than the next largest lender,
PLANET HOME LENDING, LLC.
The lowest fee Youngstown USDA lenders (with over 10 loans originated) are
Ixonia Bank ($8,115), .
The lowest rate Youngstown USDA lenders (with over 10 loans originated) are
Ixonia Bank (6.66%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Youngstown (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 | $98,925 (10.4%) | $141,876 (6.8%) | 0.37 | 1,443 |
| 2018-02-01 | $95,950 (6.7%) | $141,417 (4.1%) | 0.35 | 1,397 |
| 2018-03-01 | $99,900 (5.3%) | $147,343 (8.0%) | 0.35 | 1,348 |
| 2018-04-01 | $105,700 (14.3%) | $147,521 (8.7%) | 0.36 | 1,292 |
| 2018-05-01 | $110,000 (14.7%) | $153,274 (9.2%) | 0.37 | 1,276 |
| 2018-06-01 | $109,900 (12.8%) | $151,886 (7.1%) | 0.37 | 1,309 |
| 2018-07-01 | $109,950 (10.1%) | $150,637 (7.5%) | 0.37 | 1,432 |
| 2018-08-01 | $115,075 (17.1%) | $154,342 (11.4%) | 0.39 | 1,469 |
| 2018-09-01 | $115,000 (15.0%) | $154,936 (10.0%) | 0.39 | 1,483 |
| 2018-10-01 | $115,450 (15.6%) | $154,952 (9.5%) | 0.39 | 1,501 |
| 2018-11-01 | $114,950 (9.5%) | $154,231 (7.1%) | 0.39 | 1,464 |
| 2018-12-01 | $114,900 (15.0%) | $152,418 (7.3%) | 0.40 | 1,341 |
| 2019-01-01 | $117,975 (19.3%) | $153,021 (7.9%) | 0.41 | 1,281 |
| 2019-02-01 | $118,950 (24.0%) | $153,952 (8.9%) | 0.40 | 1,220 |
| 2019-03-01 | $120,457 (20.6%) | $161,944 (9.9%) | 0.39 | 1,202 |
| 2019-04-01 | $120,257 (13.8%) | $167,338 (13.4%) | 0.38 | 1,217 |
| 2019-05-01 | $119,900 (9.0%) | $168,860 (10.2%) | 0.37 | 1,180 |
| 2019-06-01 | $125,000 (13.7%) | $173,830 (14.5%) | 0.39 | 1,243 |
| 2019-07-01 | $127,900 (16.3%) | $174,678 (16.0%) | 0.40 | 1,295 |
| 2019-08-01 | $125,700 (9.2%) | $171,753 (11.3%) | 0.40 | 1,331 |
| 2019-09-01 | $125,250 (8.9%) | $169,609 (9.5%) | 0.40 | 1,361 |
| 2019-10-01 | $124,900 (8.2%) | $168,856 (9.0%) | 0.40 | 1,379 |
| 2019-11-01 | $119,500 (4.0%) | $166,576 (8.0%) | 0.39 | 1,336 |
| 2019-12-01 | $115,000 (0.1%) | $163,448 (7.2%) | 0.38 | 1,261 |
| 2020-01-01 | $114,975 (-2.5%) | $163,256 (6.7%) | 0.38 | 1,158 |
| 2020-02-01 | $115,000 (-3.3%) | $162,012 (5.2%) | 0.38 | 1,035 |
| 2020-03-01 | $119,225 (-1.0%) | $166,236 (2.7%) | 0.37 | 917 |
| 2020-04-01 | $118,750 (-1.3%) | $168,363 (0.6%) | 0.37 | 864 |
| 2020-05-01 | $125,000 (4.3%) | $176,551 (4.6%) | 0.38 | 763 |
| 2020-06-01 | $129,900 (3.9%) | $185,475 (6.7%) | 0.38 | 694 |
| 2020-07-01 | $129,825 (1.5%) | $187,992 (7.6%) | 0.38 | 649 |
| 2020-08-01 | $134,325 (6.9%) | $188,498 (9.8%) | 0.38 | 636 |
| 2020-09-01 | $133,013 (6.2%) | $190,972 (12.6%) | 0.38 | 584 |
| 2020-10-01 | $134,900 (8.0%) | $191,671 (13.5%) | 0.39 | 613 |
| 2020-11-01 | $132,950 (11.3%) | $187,254 (12.4%) | 0.39 | 607 |
| 2020-12-01 | $134,925 (17.3%) | $191,987 (17.5%) | 0.40 | 565 |
| 2021-01-01 | $134,900 (17.3%) | $192,372 (17.8%) | 0.40 | 465 |
| 2021-02-01 | $133,200 (15.8%) | $195,472 (20.7%) | 0.39 | 380 |
| 2021-03-01 | $137,250 (15.1%) | $190,042 (14.3%) | 0.39 | 353 |
| 2021-04-01 | $134,975 (13.7%) | $193,594 (15.0%) | 0.37 | 330 |
| 2021-05-01 | $139,900 (11.9%) | $205,725 (16.5%) | 0.37 | 377 |
| 2021-06-01 | $134,975 (3.9%) | $193,111 (4.1%) | 0.36 | 464 |
| 2021-07-01 | $138,750 (6.9%) | $190,235 (1.2%) | 0.37 | 562 |
| 2021-08-01 | $131,200 (-2.3%) | $186,530 (-1.0%) | 0.35 | 617 |
| 2021-09-01 | $129,900 (-2.3%) | $182,637 (-4.4%) | 0.35 | 624 |
| 2021-10-01 | $129,900 (-3.7%) | $183,125 (-4.5%) | 0.35 | 619 |
| 2021-11-01 | $125,600 (-5.5%) | $176,834 (-5.6%) | 0.34 | 601 |
| 2021-12-01 | $124,950 (-7.4%) | $178,622 (-7.0%) | 0.34 | 524 |
| 2022-01-01 | $119,900 (-11.1%) | $172,447 (-10.4%) | 0.32 | 449 |
| 2022-02-01 | $118,500 (-11.0%) | $173,056 (-11.5%) | 0.31 | 361 |
| 2022-03-01 | $125,000 (-8.9%) | $181,875 (-4.3%) | 0.31 | 322 |
| 2022-04-01 | $129,900 (-3.8%) | $192,847 (-0.4%) | 0.31 | 351 |
| 2022-05-01 | $133,425 (-4.6%) | $191,903 (-6.7%) | 0.31 | 426 |
| 2022-06-01 | $148,375 (9.9%) | $205,633 (6.5%) | 0.33 | 513 |
| 2022-07-01 | $149,900 (8.0%) | $210,760 (10.8%) | 0.34 | 580 |
| 2022-08-01 | $149,900 (14.3%) | $209,038 (12.1%) | 0.35 | 636 |
| 2022-09-01 | $142,450 (9.7%) | $205,167 (12.3%) | 0.33 | 669 |
| 2022-10-01 | $144,950 (11.6%) | $200,487 (9.5%) | 0.34 | 663 |
| 2022-11-01 | $150,000 (19.4%) | $203,791 (15.2%) | 0.36 | 636 |
| 2022-12-01 | $149,500 (19.7%) | $201,033 (12.6%) | 0.37 | 595 |
| 2023-01-01 | $149,900 (25.0%) | $202,215 (17.3%) | 0.37 | 500 |
| 2023-02-01 | $157,250 (32.7%) | $204,280 (18.0%) | 0.38 | 430 |
| 2023-03-01 | $164,950 (32.0%) | $221,678 (21.9%) | 0.39 | 420 |
| 2023-04-01 | $162,000 (24.7%) | $228,902 (18.7%) | 0.38 | 392 |
| 2023-05-01 | $165,200 (23.8%) | $236,266 (23.1%) | 0.37 | 390 |
| 2023-06-01 | $174,900 (17.9%) | $240,443 (16.9%) | 0.39 | 420 |
| 2023-07-01 | $175,000 (16.7%) | $245,434 (16.5%) | 0.40 | 456 |
| 2023-08-01 | $185,075 (23.5%) | $246,210 (17.8%) | 0.43 | 510 |
| 2023-09-01 | $178,500 (25.3%) | $238,733 (16.4%) | 0.42 | 618 |
| 2023-10-01 | $172,450 (19.0%) | $233,773 (16.6%) | 0.41 | 693 |
| 2023-11-01 | $169,900 (13.3%) | $226,386 (11.1%) | 0.40 | 689 |
| 2023-12-01 | $164,500 (10.0%) | $224,116 (11.5%) | 0.40 | 676 |
| 2024-01-01 | $169,900 (13.3%) | $228,572 (13.0%) | 0.41 | 617 |
| 2024-02-01 | $167,000 (6.2%) | $228,991 (12.1%) | 0.40 | 560 |
| 2024-03-01 | $179,900 (9.1%) | $242,046 (9.2%) | 0.42 | 518 |
| 2024-04-01 | $179,950 (11.1%) | $250,101 (9.3%) | 0.42 | 487 |
| 2024-05-01 | $191,950 (16.2%) | $260,305 (10.2%) | 0.44 | 507 |
| 2024-06-01 | $190,000 (8.6%) | $253,217 (5.3%) | 0.43 | 577 |
| 2024-07-01 | $197,475 (12.8%) | $253,216 (3.2%) | 0.45 | 602 |
| 2024-08-01 | $199,527 (7.8%) | $250,999 (2.0%) | 0.46 | 688 |
| 2024-09-01 | $209,125 (17.2%) | $254,916 (6.8%) | 0.49 | 752 |
| 2024-10-01 | $192,600 (11.7%) | $254,030 (8.7%) | 0.45 | 776 |
| 2024-11-01 | $192,700 (13.4%) | $251,462 (11.1%) | 0.46 | 822 |
| 2024-12-01 | $185,000 (12.5%) | $242,052 (8.0%) | 0.46 | 780 |
| 2025-01-01 | $179,450 (5.6%) | $237,693 (4.0%) | 0.45 | 724 |
| 2025-02-01 | $175,000 (4.8%) | $235,981 (3.1%) | 0.42 | 675 |
| 2025-03-01 | $184,500 (2.6%) | $249,087 (2.9%) | 0.43 | 646 |
| 2025-04-01 | $188,950 (5.0%) | $254,641 (1.8%) | 0.44 | 653 |
| 2025-05-01 | $189,900 (-1.1%) | $252,933 (-2.8%) | 0.43 | 650 |
| 2025-06-01 | $212,425 (11.8%) | $258,592 (2.1%) | 0.48 | 706 |
Youngstown's median listing price comes in at 48% of the national average.
Youngstown's average listing price for 2025-06-01 was $258,592, a difference of $5,375 (2.1%) versus the prior year and $5,659 versus the prior month.
For the 2025-06-01 period, Youngstown had 706 MLS listings, a difference of 56 listings (9%) versus the prior month and 129 listings (22%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Youngstown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 94 days | 1,508 sqft |
| 2018-02-01 | 94 days | 1,504 sqft |
| 2018-03-01 | 74 days | 1,508 sqft |
| 2018-04-01 | 70 days | 1,514 sqft |
| 2018-05-01 | 67 days | 1,532 sqft |
| 2018-06-01 | 61 days | 1,570 sqft |
| 2018-07-01 | 57 days | 1,676 sqft |
| 2018-08-01 | 57 days | 1,696 sqft |
| 2018-09-01 | 58 days | 1,700 sqft |
| 2018-10-01 | 62 days | 1,700 sqft |
| 2018-11-01 | 67 days | 1,693 sqft |
| 2018-12-01 | 82 days | 1,688 sqft |
| 2019-01-01 | 90 days | 1,688 sqft |
| 2019-02-01 | 89 days | 1,702 sqft |
| 2019-03-01 | 71 days | 1,705 sqft |
| 2019-04-01 | 60 days | 1,704 sqft |
| 2019-05-01 | 60 days | 1,623 sqft |
| 2019-06-01 | 61 days | 1,632 sqft |
| 2019-07-01 | 60 days | 1,640 sqft |
| 2019-08-01 | 62 days | 1,650 sqft |
| 2019-09-01 | 64 days | 1,676 sqft |
| 2019-10-01 | 66 days | 1,690 sqft |
| 2019-11-01 | 76 days | 1,680 sqft |
| 2019-12-01 | 85 days | 1,669 sqft |
| 2020-01-01 | 94 days | 1,649 sqft |
| 2020-02-01 | 93 days | 1,649 sqft |
| 2020-03-01 | 79 days | 1,651 sqft |
| 2020-04-01 | 70 days | 1,642 sqft |
| 2020-05-01 | 85 days | 1,670 sqft |
| 2020-06-01 | 81 days | 1,684 sqft |
| 2020-07-01 | 51 days | 1,752 sqft |
| 2020-08-01 | 50 days | 1,693 sqft |
| 2020-09-01 | 60 days | 1,712 sqft |
| 2020-10-01 | 57 days | 1,724 sqft |
| 2020-11-01 | 58 days | 1,684 sqft |
| 2020-12-01 | 69 days | 1,689 sqft |
| 2021-01-01 | 79 days | 1,668 sqft |
| 2021-02-01 | 69 days | 1,668 sqft |
| 2021-03-01 | 51 days | 1,658 sqft |
| 2021-04-01 | 42 days | 1,657 sqft |
| 2021-05-01 | 38 days | 1,696 sqft |
| 2021-06-01 | 31 days | 1,601 sqft |
| 2021-07-01 | 34 days | 1,540 sqft |
| 2021-08-01 | 40 days | 1,533 sqft |
| 2021-09-01 | 45 days | 1,504 sqft |
| 2021-10-01 | 46 days | 1,500 sqft |
| 2021-11-01 | 46 days | 1,520 sqft |
| 2021-12-01 | 53 days | 1,500 sqft |
| 2022-01-01 | 66 days | 1,460 sqft |
| 2022-02-01 | 60 days | 1,450 sqft |
| 2022-03-01 | 48 days | 1,485 sqft |
| 2022-04-01 | 35 days | 1,526 sqft |
| 2022-05-01 | 32 days | 1,506 sqft |
| 2022-06-01 | 33 days | 1,569 sqft |
| 2022-07-01 | 36 days | 1,598 sqft |
| 2022-08-01 | 40 days | 1,608 sqft |
| 2022-09-01 | 44 days | 1,593 sqft |
| 2022-10-01 | 46 days | 1,570 sqft |
| 2022-11-01 | 49 days | 1,592 sqft |
| 2022-12-01 | 58 days | 1,547 sqft |
| 2023-01-01 | 67 days | 1,568 sqft |
| 2023-02-01 | 55 days | 1,556 sqft |
| 2023-03-01 | 45 days | 1,620 sqft |
| 2023-04-01 | 47 days | 1,607 sqft |
| 2023-05-01 | 41 days | 1,589 sqft |
| 2023-06-01 | 37 days | 1,654 sqft |
| 2023-07-01 | 37 days | 1,680 sqft |
| 2023-08-01 | 38 days | 1,714 sqft |
| 2023-09-01 | 37 days | 1,648 sqft |
| 2023-10-01 | 40 days | 1,609 sqft |
| 2023-11-01 | 44 days | 1,624 sqft |
| 2023-12-01 | 52 days | 1,573 sqft |
| 2024-01-01 | 66 days | 1,613 sqft |
| 2024-02-01 | 64 days | 1,601 sqft |
| 2024-03-01 | 52 days | 1,652 sqft |
| 2024-04-01 | 44 days | 1,659 sqft |
| 2024-05-01 | 38 days | 1,666 sqft |
| 2024-06-01 | 40 days | 1,677 sqft |
| 2024-07-01 | 43 days | 1,650 sqft |
| 2024-08-01 | 40 days | 1,674 sqft |
| 2024-09-01 | 40 days | 1,729 sqft |
| 2024-10-01 | 45 days | 1,663 sqft |
| 2024-11-01 | 52 days | 1,654 sqft |
| 2024-12-01 | 61 days | 1,633 sqft |
| 2025-01-01 | 74 days | 1,622 sqft |
| 2025-02-01 | 74 days | 1,632 sqft |
| 2025-03-01 | 53 days | 1,714 sqft |
| 2025-04-01 | 48 days | 1,695 sqft |
| 2025-05-01 | 45 days | 1,690 sqft |
| 2025-06-01 | 39 days | 1,729 sqft |
Youngstown's median square footage for active listings during the 2025-06-01 period was 1,729 sqft. One year prior, the average listing was 1,677 sqft.