Barnstable Town VA Loan Rates, Closing Costs & Stats

BARNSTABLE TOWN, MA

A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

For additional benefits of VA loans, click here.

Barnstable Town's 37 lenders originated 133 VA loans during 2024. The total origination value was $73,995,000, with an average VA loan value of $556,353.

Barnstable Town VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Barnstable Town averaged 6.45% for the week of 2025-04-04, compared to the national average (all VA variants) of 6.06% for the same period.

Barnstable Town's average VA mortgage closing costs are $7,854.

The average rate for the prior week (2025-03-28) was 6.57% and one month ago for the week of 2025-02-28, the average rate was 6.54%.

The average rate one year ago was 6.95%.

For refis of the same type during the week of 2025-04-04, the average rate was 6.49%.

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

Barnstable Town VA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Barnstable Town level.

Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
Mortgage Research Center, LLC 17 6.29% $13,487
QUICKEN LOANS, LLC 15 6.16% $15,651
UNITED WHOLESALE MORTGAGE, LLC 8 6.05% $9,811
NAVY FEDERAL CREDIT UNION 7 6.07% $9,121
Presidential Bank, FSB 7 6.64% $16,227
LOANDEPOT.COM, LLC 6 6.33% $10,303
PENNYMAC LOAN SERVICES, LLC 6 5.60% $10,285
MUTUAL OF OMAHA MORTGAGE, INC. 4 6.50% $25,013
NEWREZ LLC 4 5.81% $6,506
Flagstar Bank, FSB 4 6.03% $16,599
FREEDOM MORTGAGE CORPORATION 4 6.50% $22,397
Leader Bank 4 6.18% $8,960
Keystone Funding, Inc. 3 6.21% $15,414
RADIUS FINANCIAL GROUP INC. 3 6.75% $13,598
MOVEMENT MORTGAGE, LLC 3 6.00% $12,789
The Federal Savings Bank 3 6.96% $14,262
EQUITY RESOURCES, INC. 3 6.67% $2,747
VILLAGE CAPITAL MORTGAGE 2 5.24% $5,708
First Federal Bank 2 6.00% $20,255
FIRST MORTGAGE COMPANY, INC. 2 5.75% $4,425
GUILD MORTGAGE COMPANY 2 6.25% $12,478
Magnolia Bank 2 5.19% $15,533
North American Savings Bank, F.S.B. 2 5.81% $7,998
USAA Federal Savings Bank 2 6.13% $21,193
GUARANTEED RATE, INC. 1 6.75% $9,907
FIRST COMMUNITY MORTGAGE, INC. 1 6.25% $13,925
CARDINAL FINANCIAL 1 5.99% $24,419
Farmers Bank & Trust 1 5.99% $4,124
Fall River Five Cents Savings Bank 1 6.75% $4,130
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $5,299
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.25% $5,279
Evolve Bank & Trust 1 5.75% $4,012
CMG MORTGAGE, INC. 1 6.50% $6,590
TJC Mortgage, Inc. 1 5.75% $17,799
Citizens Bank 1 6.25% $4,641
Mr. Cooper ( Nationstar Mortgage ) 1 6.63% $30,031
LAKEVIEW LOAN SERVICING, LLC 1 5.25% $7,887

The top Barnstable Town VA lender as defined by loan originations is Mortgage Research Center, LLC, with 17 VA loans originated. Their average total fees are $13,487, which is $2,165 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Barnstable Town VA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($13,487), QUICKEN LOANS, LLC ($15,651), .

The lowest rate Barnstable Town VA lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.16%), Mortgage Research Center, LLC (6.29%), .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Barnstable Town (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 $599,000 (7.2%) $1,007,657 (2.5%) 2.22 1,839
2018-02-01 $598,975 (3.3%) $996,429 (-0.7%) 2.17 1,835
2018-03-01 $599,000 (1.1%) $1,029,816 (2.9%) 2.10 1,852
2018-04-01 $628,000 (4.8%) $1,060,061 (6.1%) 2.13 1,978
2018-05-01 $625,000 (6.0%) $1,030,800 (8.6%) 2.09 2,199
2018-06-01 $609,900 (3.0%) $997,094 (5.7%) 2.03 2,378
2018-07-01 $599,900 (0.8%) $988,500 (3.8%) 2.00 2,481
2018-08-01 $599,000 (1.7%) $971,982 (0.7%) 2.01 2,594
2018-09-01 $575,000 (-0.9%) $950,637 (-2.2%) 1.93 2,752
2018-10-01 $565,000 (-1.7%) $936,797 (-1.0%) 1.91 2,812
2018-11-01 $577,000 (-1.2%) $952,531 (0.4%) 1.96 2,652
2018-12-01 $585,000 (-2.3%) $961,093 (-2.7%) 2.02 2,363
2019-01-01 $569,450 (-4.9%) $955,768 (-5.2%) 1.97 2,068
2019-02-01 $587,175 (-2.0%) $970,164 (-2.6%) 1.98 2,109
2019-03-01 $596,686 (-0.4%) $979,804 (-4.9%) 1.95 2,230
2019-04-01 $599,000 (-4.6%) $972,018 (-8.3%) 1.90 2,409
2019-05-01 $599,000 (-4.2%) $973,992 (-5.5%) 1.87 2,535
2019-06-01 $599,000 (-1.8%) $982,143 (-1.5%) 1.87 2,623
2019-07-01 $599,900 (0.0%) $1,010,330 (2.2%) 1.88 2,616
2019-08-01 $596,963 (-0.3%) $999,043 (2.8%) 1.89 2,617
2019-09-01 $592,484 (3.0%) $982,814 (3.4%) 1.90 2,619
2019-10-01 $587,000 (3.9%) $971,995 (3.8%) 1.89 2,604
2019-11-01 $575,000 (-0.4%) $980,164 (2.9%) 1.89 2,376
2019-12-01 $575,000 (-1.7%) $983,280 (2.3%) 1.92 2,091
2020-01-01 $579,350 (1.7%) $1,007,052 (5.4%) 1.94 1,873
2020-02-01 $599,900 (2.2%) $1,060,459 (9.3%) 1.96 1,785
2020-03-01 $601,950 (0.9%) $1,046,236 (6.8%) 1.89 1,933
2020-04-01 $602,000 (0.5%) $1,040,567 (7.1%) 1.89 1,975
2020-05-01 $624,000 (4.2%) $1,055,268 (8.3%) 1.90 1,972
2020-06-01 $642,400 (7.3%) $1,087,840 (10.8%) 1.89 1,737
2020-07-01 $644,675 (7.5%) $1,127,724 (11.6%) 1.87 1,538
2020-08-01 $650,000 (8.9%) $1,167,417 (16.9%) 1.86 1,308
2020-09-01 $693,000 (17.0%) $1,231,651 (25.3%) 1.99 1,205
2020-10-01 $661,000 (12.6%) $1,226,451 (26.2%) 1.89 1,124
2020-11-01 $685,000 (19.1%) $1,268,973 (29.5%) 2.00 996
2020-12-01 $699,000 (21.6%) $1,294,582 (31.7%) 2.08 840
2021-01-01 $709,000 (22.4%) $1,406,116 (39.6%) 2.12 692
2021-02-01 $749,475 (24.9%) $1,429,470 (34.8%) 2.18 583
2021-03-01 $709,450 (17.9%) $1,471,288 (40.6%) 2.01 617
2021-04-01 $699,500 (16.2%) $1,460,962 (40.4%) 1.89 578
2021-05-01 $699,900 (12.2%) $1,417,800 (34.4%) 1.86 645
2021-06-01 $725,000 (12.9%) $1,389,244 (27.7%) 1.91 705
2021-07-01 $728,000 (12.9%) $1,366,010 (21.1%) 1.92 754
2021-08-01 $713,225 (9.7%) $1,304,994 (11.8%) 1.90 783
2021-09-01 $699,250 (0.9%) $1,277,606 (3.7%) 1.86 816
2021-10-01 $739,450 (11.9%) $1,351,143 (10.2%) 1.97 767
2021-11-01 $782,450 (14.2%) $1,474,219 (16.2%) 2.09 618
2021-12-01 $825,000 (18.0%) $1,547,920 (19.6%) 2.23 487
2022-01-01 $849,000 (19.8%) $1,613,059 (14.7%) 2.30 387
2022-02-01 $849,500 (13.4%) $1,735,270 (21.4%) 2.21 360
2022-03-01 $849,675 (19.8%) $1,726,101 (17.3%) 2.13 370
2022-04-01 $799,948 (14.4%) $1,674,882 (14.6%) 1.91 414
2022-05-01 $854,500 (22.1%) $1,614,580 (13.9%) 1.95 527
2022-06-01 $848,500 (17.0%) $1,514,105 (9.0%) 1.89 644
2022-07-01 $825,000 (13.3%) $1,467,633 (7.4%) 1.86 755
2022-08-01 $799,900 (12.2%) $1,489,693 (14.2%) 1.85 783
2022-09-01 $797,000 (14.0%) $1,470,803 (15.1%) 1.86 810
2022-10-01 $775,000 (4.8%) $1,408,098 (4.2%) 1.82 860
2022-11-01 $798,000 (2.0%) $1,432,258 (-2.9%) 1.92 829
2022-12-01 $775,000 (-6.1%) $1,435,233 (-7.3%) 1.91 659
2023-01-01 $824,000 (-2.9%) $1,478,748 (-8.3%) 2.04 535
2023-02-01 $874,975 (3.0%) $1,590,661 (-8.3%) 2.11 505
2023-03-01 $872,450 (2.7%) $1,702,484 (-1.4%) 2.06 507
2023-04-01 $895,000 (11.9%) $1,729,764 (3.3%) 2.08 551
2023-05-01 $923,000 (8.0%) $1,712,909 (6.1%) 2.09 620
2023-06-01 $939,500 (10.7%) $1,722,181 (13.7%) 2.11 677
2023-07-01 $949,000 (15.0%) $1,738,145 (18.4%) 2.16 688
2023-08-01 $924,975 (15.6%) $1,770,882 (18.9%) 2.12 718
2023-09-01 $949,000 (19.1%) $1,670,230 (13.6%) 2.21 761
2023-10-01 $897,000 (15.7%) $1,580,503 (12.2%) 2.11 851
2023-11-01 $872,500 (9.3%) $1,574,014 (9.9%) 2.08 845
2023-12-01 $879,000 (13.4%) $1,634,329 (13.9%) 2.14 704
2024-01-01 $929,950 (12.9%) $1,706,350 (15.4%) 2.27 591
2024-02-01 $915,725 (4.7%) $1,700,646 (6.9%) 2.20 603
2024-03-01 $985,000 (12.9%) $1,762,297 (3.5%) 2.32 641
2024-04-01 $997,000 (11.4%) $1,760,863 (1.8%) 2.32 730
2024-05-01 $993,725 (7.7%) $1,683,978 (-1.7%) 2.26 877
2024-06-01 $972,000 (3.5%) $1,644,633 (-4.5%) 2.21 984
2024-07-01 $974,500 (2.7%) $1,667,809 (-4.1%) 2.23 997
2024-08-01 $940,000 (1.6%) $1,651,242 (-6.8%) 2.19 1,020
2024-09-01 $899,950 (-5.2%) $1,592,457 (-4.7%) 2.12 1,153
2024-10-01 $899,000 (0.2%) $1,623,244 (2.7%) 2.12 1,168
2024-11-01 $874,900 (0.3%) $1,588,963 (1.0%) 2.10 1,095
2024-12-01 $867,500 (-1.3%) $1,596,854 (-2.3%) 2.16 822
2025-01-01 $881,697 (-5.2%) $1,546,892 (-9.3%) 2.20 699
2025-02-01 $910,000 (-0.6%) $1,585,240 (-6.8%) 2.21 735
2025-03-01 $925,000 (-6.1%) $1,579,705 (-10.4%) 0.00 801
Barnstable Town's median listing price for 2025-03-01 was $925,000, a difference of $-60,000 (-6.1%) versus the prior year and $15,000 versus the prior month.

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

Barnstable Town's average listing price for 2025-03-01 was $1,579,705, a difference of $-182,592 (-10.4%) versus the prior year and $-5,535 versus the prior month.

For the 2025-03-01 period, Barnstable Town had 801 MLS listings, a difference of 66 listings (9%) versus the prior month and 160 listings (25%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Barnstable Town (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 108 days 1,899 sqft
2018-02-01 112 days 1,905 sqft
2018-03-01 97 days 1,907 sqft
2018-04-01 66 days 1,960 sqft
2018-05-01 57 days 1,952 sqft
2018-06-01 57 days 1,900 sqft
2018-07-01 65 days 1,889 sqft
2018-08-01 71 days 1,858 sqft
2018-09-01 71 days 1,848 sqft
2018-10-01 71 days 1,820 sqft
2018-11-01 77 days 1,829 sqft
2018-12-01 94 days 1,808 sqft
2019-01-01 108 days 1,803 sqft
2019-02-01 114 days 1,809 sqft
2019-03-01 96 days 1,834 sqft
2019-04-01 70 days 1,854 sqft
2019-05-01 64 days 1,821 sqft
2019-06-01 67 days 1,824 sqft
2019-07-01 75 days 1,830 sqft
2019-08-01 80 days 1,829 sqft
2019-09-01 83 days 1,818 sqft
2019-10-01 84 days 1,807 sqft
2019-11-01 86 days 1,806 sqft
2019-12-01 103 days 1,804 sqft
2020-01-01 110 days 1,800 sqft
2020-02-01 104 days 1,848 sqft
2020-03-01 73 days 1,852 sqft
2020-04-01 79 days 1,845 sqft
2020-05-01 89 days 1,848 sqft
2020-06-01 98 days 1,878 sqft
2020-07-01 83 days 1,858 sqft
2020-08-01 74 days 1,858 sqft
2020-09-01 63 days 1,838 sqft
2020-10-01 58 days 1,801 sqft
2020-11-01 67 days 1,773 sqft
2020-12-01 83 days 1,812 sqft
2021-01-01 91 days 1,830 sqft
2021-02-01 98 days 1,831 sqft
2021-03-01 73 days 1,820 sqft
2021-04-01 48 days 1,800 sqft
2021-05-01 41 days 1,820 sqft
2021-06-01 39 days 1,815 sqft
2021-07-01 45 days 1,800 sqft
2021-08-01 47 days 1,783 sqft
2021-09-01 52 days 1,769 sqft
2021-10-01 57 days 1,790 sqft
2021-11-01 67 days 1,803 sqft
2021-12-01 85 days 1,856 sqft
2022-01-01 88 days 1,839 sqft
2022-02-01 71 days 1,894 sqft
2022-03-01 45 days 1,888 sqft
2022-04-01 36 days 1,788 sqft
2022-05-01 31 days 1,869 sqft
2022-06-01 32 days 1,884 sqft
2022-07-01 38 days 1,915 sqft
2022-08-01 47 days 1,975 sqft
2022-09-01 53 days 1,932 sqft
2022-10-01 49 days 1,887 sqft
2022-11-01 51 days 1,858 sqft
2022-12-01 71 days 1,830 sqft
2023-01-01 80 days 1,824 sqft
2023-02-01 84 days 1,926 sqft
2023-03-01 56 days 1,894 sqft
2023-04-01 46 days 1,928 sqft
2023-05-01 41 days 1,892 sqft
2023-06-01 45 days 1,905 sqft
2023-07-01 52 days 1,884 sqft
2023-08-01 54 days 1,885 sqft
2023-09-01 49 days 1,892 sqft
2023-10-01 49 days 1,852 sqft
2023-11-01 53 days 1,770 sqft
2023-12-01 71 days 1,825 sqft
2024-01-01 82 days 1,856 sqft
2024-02-01 77 days 1,875 sqft
2024-03-01 52 days 1,920 sqft
2024-04-01 44 days 1,939 sqft
2024-05-01 38 days 1,922 sqft
2024-06-01 44 days 1,864 sqft
2024-07-01 56 days 1,862 sqft
2024-08-01 60 days 1,821 sqft
2024-09-01 53 days 1,831 sqft
2024-10-01 53 days 1,855 sqft
2024-11-01 63 days 1,837 sqft
2024-12-01 76 days 1,818 sqft
2025-01-01 87 days 1,808 sqft
2025-02-01 86 days 1,790 sqft
2025-03-01 0 days 1,837 sqft
Barnstable Town's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

Barnstable Town's median square footage for active listings during the 2025-03-01 period was 1,837 sqft. One year prior, the average listing was 1,920 sqft.

VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.