Youngstown USDA Loan Rates, Closing Costs & Stats

YOUNGSTOWN-WARREN-BOARDMAN, OH-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.

    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 6.47% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Youngstown's average USDA mortgage closing costs are $5,057.

    The average rate for the prior week (2025-02-07) was 6.43% and one month ago for the week of 2025-01-10, the average rate was 6.67%.

    The average rate one year ago was 6.87%.

    For refis of the same type during the week of 2025-02-14, the average rate was 7.36%.

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

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Ixonia Bank 14 6.96% $8,051
    PLANET HOME LENDING, LLC 4 6.44% $10,792
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 4 6.38% $2,916
    CROSSCOUNTRY MORTGAGE, LLC 4 6.84% $6,401
    HOWARD HANNA FINANCIAL SERVICES, INC. 3 6.38% $5,841
    Flagstar Bank, FSB 3 6.56% $8,295
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 7.13% $6,619
    CARDINAL FINANCIAL 2 5.75% $6,329
    TOP FLITE FINANCIAL, INC. 2 6.63% $6,931
    Sierra Pacific Mortgage Company, Inc. 1 6.50% $5,470
    STOCKTON MORTGAGE CORPORATION 1 7.25% $4,165
    UNION HOME MORTGAGE CORP. 1 6.50% $6,370
    Union Savings Bank 1 6.00% $4,743
    UNITED WHOLESALE MORTGAGE, LLC 1 6.75% $5,460
    Waterstone Mortgage Corporation 1 6.38% $5,170
    WELCOME HOME FINANCE, L.P. 1 6.25% $2,512
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.25% $7,812
    WEST PENN FINANCIAL SERVICE CENTER, INC. 1 6.00% $4,732
    First National Bank of Pennsylvania 1 6.25% $4,743
    Hometown Equity Mortgage, LLC 1 7.50% $8,913
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.25% $7,951
    NEWREZ LLC 1 6.25% $8,196
    Paramount Residential Mortgage Group, Inc. 1 6.13% $7,095
    RAPID MORTGAGE COMPANY 1 7.13% $13,331
    RUOFF MORTGAGE COMPANY, INC. 1 6.75% $2,370
    Seven Seventeen Credit Union 1 6.63% $4,020

    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. 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%) 0.39 1,443
    2018-02-01 $95,950 (6.7%) $141,417 (4.1%) 0.37 1,397
    2018-03-01 $99,900 (5.3%) $147,343 (8.0%) 0.39 1,348
    2018-04-01 $105,700 (14.3%) $147,521 (8.7%) 0.38 1,292
    2018-05-01 $110,000 (14.7%) $153,274 (9.2%) 0.40 1,276
    2018-06-01 $109,900 (12.8%) $151,886 (7.1%) 0.40 1,309
    2018-07-01 $109,950 (10.1%) $150,637 (7.5%) 0.39 1,432
    2018-08-01 $115,075 (17.1%) $154,342 (11.4%) 0.40 1,469
    2018-09-01 $115,000 (15.0%) $154,936 (10.0%) 0.40 1,483
    2018-10-01 $115,450 (15.6%) $154,952 (9.5%) 0.41 1,501
    2018-11-01 $114,950 (9.5%) $154,231 (7.1%) 0.41 1,464
    2018-12-01 $114,900 (15.0%) $152,418 (7.3%) 0.41 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%) 0.41 1,220
    2019-03-01 $120,457 (20.6%) $161,944 (9.9%) 0.40 1,202
    2019-04-01 $120,257 (13.8%) $167,338 (13.4%) 0.39 1,217
    2019-05-01 $119,900 (9.0%) $168,860 (10.2%) 0.39 1,180
    2019-06-01 $125,000 (13.7%) $173,830 (14.5%) 0.40 1,243
    2019-07-01 $127,900 (16.3%) $174,678 (16.0%) 0.41 1,295
    2019-08-01 $125,700 (9.2%) $171,753 (11.3%) 0.41 1,331
    2019-09-01 $125,250 (8.9%) $169,609 (9.5%) 0.41 1,361
    2019-10-01 $124,900 (8.2%) $168,856 (9.0%) 0.41 1,379
    2019-11-01 $119,500 (4.0%) $166,576 (8.0%) 0.40 1,336
    2019-12-01 $115,000 (0.1%) $163,448 (7.2%) 0.40 1,261
    2020-01-01 $114,975 (-2.5%) $163,256 (6.7%) 0.40 1,158
    2020-02-01 $115,000 (-3.3%) $162,012 (5.2%) 0.39 1,035
    2020-03-01 $119,225 (-1.0%) $166,236 (2.7%) 0.38 917
    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%) 0.39 636
    2020-09-01 $133,013 (6.2%) $190,972 (12.6%) 0.39 584
    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%) 0.40 607
    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%) 0.39 465
    2021-02-01 $133,200 (15.8%) $195,472 (20.7%) 0.38 380
    2021-03-01 $137,250 (15.1%) $190,042 (14.3%) 0.37 353
    2021-04-01 $134,975 (13.7%) $193,594 (15.0%) 0.35 330
    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%) 0.35 601
    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%) 0.32 322
    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%) 0.33 580
    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%) 0.35 669
    2022-10-01 $144,950 (11.6%) $200,487 (9.5%) 0.35 663
    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%) 0.36 430
    2023-03-01 $164,950 (32.0%) $221,678 (21.9%) 0.38 420
    2023-04-01 $162,000 (24.7%) $228,902 (18.7%) 0.37 392
    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%) 0.38 420
    2023-07-01 $175,000 (16.7%) $245,434 (16.5%) 0.39 456
    2023-08-01 $185,075 (23.5%) $246,210 (17.8%) 0.41 510
    2023-09-01 $178,500 (25.3%) $238,733 (16.4%) 0.40 618
    2023-10-01 $172,450 (19.0%) $233,773 (16.6%) 0.40 693
    2023-11-01 $169,900 (13.3%) $226,386 (11.1%) 0.39 689
    2023-12-01 $164,500 (10.0%) $224,116 (11.5%) 0.39 676
    2024-01-01 $169,900 (13.3%) $228,572 (13.0%) 0.40 617
    2024-02-01 $167,000 (6.2%) $228,991 (12.1%) 0.38 560
    2024-03-01 $179,900 (9.1%) $242,046 (9.2%) 0.41 518
    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%) 0.42 507
    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%) 0.43 602
    2024-08-01 $199,527 (7.8%) $250,999 (2.0%) 0.44 688
    2024-09-01 $209,125 (17.2%) $254,916 (6.8%) 0.45 752
    2024-10-01 $192,600 (11.7%) $254,030 (8.7%) 0.44 776
    2024-11-01 $192,700 (13.4%) $251,462 (11.1%) 0.44 822
    2024-12-01 $185,000 (12.5%) $242,052 (8.0%) 0.45 780
    2025-01-01 $179,450 (5.6%) $237,693 (4.0%) 0.00 724
    Youngstown's median listing price for 2025-01-01 was $179,450, a difference of $9,550 (5.6%) versus the prior year and $-5,550 versus the prior month.

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

    Youngstown's average listing price for 2025-01-01 was $237,693, a difference of $9,121 (4.0%) versus the prior year and $-4,359 versus the prior month.

    For the 2025-01-01 period, Youngstown had 724 MLS listings, a difference of -56 listings (-7%) versus the prior month and 107 listings (17%) 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
    2018-01-01 103 days 1,508 sqft
    2018-02-01 103 days 1,504 sqft
    2018-03-01 88 days 1,508 sqft
    2018-04-01 76 days 1,514 sqft
    2018-05-01 70 days 1,532 sqft
    2018-06-01 64 days 1,570 sqft
    2018-07-01 62 days 1,676 sqft
    2018-08-01 61 days 1,696 sqft
    2018-09-01 65 days 1,700 sqft
    2018-10-01 66 days 1,700 sqft
    2018-11-01 71 days 1,693 sqft
    2018-12-01 86 days 1,688 sqft
    2019-01-01 96 days 1,688 sqft
    2019-02-01 100 days 1,702 sqft
    2019-03-01 87 days 1,705 sqft
    2019-04-01 72 days 1,704 sqft
    2019-05-01 67 days 1,623 sqft
    2019-06-01 65 days 1,632 sqft
    2019-07-01 64 days 1,640 sqft
    2019-08-01 66 days 1,650 sqft
    2019-09-01 69 days 1,676 sqft
    2019-10-01 72 days 1,690 sqft
    2019-11-01 81 days 1,680 sqft
    2019-12-01 90 days 1,669 sqft
    2020-01-01 98 days 1,649 sqft
    2020-02-01 98 days 1,649 sqft
    2020-03-01 90 days 1,651 sqft
    2020-04-01 84 days 1,642 sqft
    2020-05-01 96 days 1,670 sqft
    2020-06-01 91 days 1,684 sqft
    2020-07-01 58 days 1,752 sqft
    2020-08-01 54 days 1,693 sqft
    2020-09-01 62 days 1,712 sqft
    2020-10-01 62 days 1,724 sqft
    2020-11-01 62 days 1,684 sqft
    2020-12-01 71 days 1,689 sqft
    2021-01-01 81 days 1,668 sqft
    2021-02-01 76 days 1,668 sqft
    2021-03-01 53 days 1,658 sqft
    2021-04-01 45 days 1,657 sqft
    2021-05-01 39 days 1,696 sqft
    2021-06-01 32 days 1,601 sqft
    2021-07-01 36 days 1,540 sqft
    2021-08-01 41 days 1,533 sqft
    2021-09-01 45 days 1,504 sqft
    2021-10-01 46 days 1,500 sqft
    2021-11-01 47 days 1,520 sqft
    2021-12-01 56 days 1,500 sqft
    2022-01-01 68 days 1,460 sqft
    2022-02-01 63 days 1,450 sqft
    2022-03-01 52 days 1,485 sqft
    2022-04-01 38 days 1,526 sqft
    2022-05-01 34 days 1,506 sqft
    2022-06-01 35 days 1,569 sqft
    2022-07-01 38 days 1,598 sqft
    2022-08-01 42 days 1,608 sqft
    2022-09-01 46 days 1,593 sqft
    2022-10-01 50 days 1,570 sqft
    2022-11-01 53 days 1,592 sqft
    2022-12-01 62 days 1,547 sqft
    2023-01-01 73 days 1,568 sqft
    2023-02-01 68 days 1,556 sqft
    2023-03-01 49 days 1,620 sqft
    2023-04-01 51 days 1,607 sqft
    2023-05-01 44 days 1,589 sqft
    2023-06-01 38 days 1,654 sqft
    2023-07-01 37 days 1,680 sqft
    2023-08-01 40 days 1,714 sqft
    2023-09-01 40 days 1,648 sqft
    2023-10-01 42 days 1,609 sqft
    2023-11-01 45 days 1,624 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 1,652 sqft
    2024-04-01 47 days 1,659 sqft
    2024-05-01 40 days 1,666 sqft
    2024-06-01 39 days 1,677 sqft
    2024-07-01 44 days 1,650 sqft
    2024-08-01 43 days 1,674 sqft
    2024-09-01 44 days 1,729 sqft
    2024-10-01 49 days 1,663 sqft
    2024-11-01 55 days 1,654 sqft
    2024-12-01 65 days 1,635 sqft
    2025-01-01 0 days 1,622 sqft
    Youngstown'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.

    Youngstown's median square footage for active listings during the 2025-01-01 period was 1,622 sqft. One year prior, the average listing was 1,613 sqft.