Clarksville VA Loan Rates, Closing Costs & Stats
CLARKSVILLE, TN-KY
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.
Clarksville's 160 lenders originated 3,931 VA loans during 2024. The total origination value was $1,270,135,000, with an average VA loan value of $323,107.
Clarksville VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Clarksville
averaged
6.55%
for the week of 2025-05-23, compared to the national average (all VA variants) of
6.52% for the same period.
Clarksville's average VA mortgage closing costs are $6,187.
The average rate for the prior week (2025-05-16) was
6.33% and
one month ago for the week of 2025-04-18, the
average rate was 6.51%.
The average rate one year ago was 6.52%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.21%.
Clarksville 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 Clarksville level.
The top Clarksville VA lender as defined by loan originations is Mortgage Research Center, LLC, with
816 VA loans originated. Their average total fees are
$5,840, which is $1,306
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Clarksville VA lenders (with over 10 loans originated) are
PLANET HOME LENDING, LLC ($3,980), SWBC MORTGAGE CORPORATION ($4,585), GERSHMAN INVESTMENT CORP. ($5,244), LAKEVIEW LOAN SERVICING, LLC ($5,651) and HIGHLANDS RESIDENTIAL MORTGAGE, LTD. ($5,780).
The lowest rate Clarksville VA lenders (with over 10 loans originated) are
EAGLE HOME MORTGAGE, LLC (4.08%), LAKEVIEW LOAN SERVICING, LLC (5.67%), PENNYMAC LOAN SERVICES, LLC (5.71%), CLEARPATH LENDING (5.73%) and NBKC BANK (5.73%).
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Clarksville (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 | $214,650 (24.3%) | $231,160 (14.6%) | 0.80 | 1,351 |
| 2018-02-01 | $218,375 (21.7%) | $234,174 (15.4%) | 0.79 | 1,250 |
| 2018-03-01 | $216,000 (15.1%) | $236,801 (14.6%) | 0.76 | 1,260 |
| 2018-04-01 | $219,425 (15.6%) | $240,047 (14.7%) | 0.74 | 1,290 |
| 2018-05-01 | $221,063 (12.5%) | $240,444 (9.2%) | 0.74 | 1,333 |
| 2018-06-01 | $216,995 (11.9%) | $241,450 (10.2%) | 0.72 | 1,428 |
| 2018-07-01 | $216,963 (9.1%) | $242,157 (8.4%) | 0.72 | 1,485 |
| 2018-08-01 | $219,700 (9.9%) | $243,933 (7.2%) | 0.74 | 1,519 |
| 2018-09-01 | $221,950 (11.4%) | $243,972 (6.3%) | 0.75 | 1,502 |
| 2018-10-01 | $223,450 (12.3%) | $244,075 (6.5%) | 0.76 | 1,496 |
| 2018-11-01 | $227,750 (13.5%) | $247,037 (8.5%) | 0.77 | 1,464 |
| 2018-12-01 | $230,000 (10.3%) | $250,930 (9.7%) | 0.79 | 1,403 |
| 2019-01-01 | $230,450 (7.4%) | $252,376 (9.2%) | 0.80 | 1,315 |
| 2019-02-01 | $238,700 (9.3%) | $258,167 (10.3%) | 0.81 | 1,280 |
| 2019-03-01 | $245,114 (13.5%) | $266,157 (12.4%) | 0.80 | 1,183 |
| 2019-04-01 | $251,139 (14.5%) | $271,578 (13.1%) | 0.80 | 1,136 |
| 2019-05-01 | $252,895 (14.4%) | $269,777 (12.2%) | 0.79 | 1,185 |
| 2019-06-01 | $252,467 (16.4%) | $266,125 (10.2%) | 0.79 | 1,238 |
| 2019-07-01 | $253,410 (16.8%) | $267,760 (10.6%) | 0.79 | 1,250 |
| 2019-08-01 | $251,541 (14.5%) | $265,678 (8.9%) | 0.80 | 1,256 |
| 2019-09-01 | $250,674 (12.9%) | $264,151 (8.3%) | 0.80 | 1,250 |
| 2019-10-01 | $250,096 (11.9%) | $263,355 (7.9%) | 0.81 | 1,241 |
| 2019-11-01 | $249,900 (9.7%) | $262,572 (6.3%) | 0.82 | 1,203 |
| 2019-12-01 | $249,900 (8.7%) | $261,950 (4.4%) | 0.83 | 1,156 |
| 2020-01-01 | $249,900 (8.4%) | $263,283 (4.3%) | 0.84 | 1,110 |
| 2020-02-01 | $249,900 (4.7%) | $267,676 (3.7%) | 0.82 | 1,025 |
| 2020-03-01 | $251,250 (2.5%) | $274,747 (3.2%) | 0.79 | 985 |
| 2020-04-01 | $254,185 (1.2%) | $277,402 (2.1%) | 0.80 | 1,038 |
| 2020-05-01 | $260,900 (3.2%) | $288,999 (7.1%) | 0.79 | 932 |
| 2020-06-01 | $265,350 (5.1%) | $294,112 (10.5%) | 0.78 | 802 |
| 2020-07-01 | $262,925 (3.8%) | $292,442 (9.2%) | 0.76 | 803 |
| 2020-08-01 | $259,900 (3.3%) | $288,216 (8.5%) | 0.74 | 678 |
| 2020-09-01 | $270,500 (7.9%) | $292,941 (10.9%) | 0.78 | 681 |
| 2020-10-01 | $285,000 (14.0%) | $301,826 (14.6%) | 0.82 | 629 |
| 2020-11-01 | $277,725 (11.1%) | $302,880 (15.4%) | 0.81 | 586 |
| 2020-12-01 | $282,200 (12.9%) | $303,865 (16.0%) | 0.84 | 559 |
| 2021-01-01 | $280,650 (12.3%) | $304,300 (15.6%) | 0.84 | 514 |
| 2021-02-01 | $289,800 (16.0%) | $315,322 (17.8%) | 0.84 | 463 |
| 2021-03-01 | $312,800 (24.5%) | $331,260 (20.6%) | 0.89 | 365 |
| 2021-04-01 | $316,950 (24.7%) | $342,040 (23.3%) | 0.86 | 326 |
| 2021-05-01 | $295,000 (13.1%) | $341,786 (18.3%) | 0.78 | 287 |
| 2021-06-01 | $288,675 (8.8%) | $326,996 (11.2%) | 0.76 | 409 |
| 2021-07-01 | $287,900 (9.5%) | $331,653 (13.4%) | 0.76 | 484 |
| 2021-08-01 | $303,775 (16.9%) | $338,718 (17.5%) | 0.81 | 569 |
| 2021-09-01 | $318,000 (17.6%) | $346,762 (18.4%) | 0.85 | 606 |
| 2021-10-01 | $324,450 (13.8%) | $349,958 (16.0%) | 0.87 | 665 |
| 2021-11-01 | $331,500 (19.4%) | $359,555 (18.7%) | 0.89 | 624 |
| 2021-12-01 | $325,000 (15.2%) | $361,712 (19.0%) | 0.88 | 598 |
| 2022-01-01 | $337,400 (20.2%) | $380,527 (25.1%) | 0.91 | 483 |
| 2022-02-01 | $348,100 (20.1%) | $388,166 (23.1%) | 0.91 | 405 |
| 2022-03-01 | $339,700 (8.6%) | $395,600 (19.4%) | 0.85 | 373 |
| 2022-04-01 | $335,000 (5.7%) | $395,970 (15.8%) | 0.80 | 399 |
| 2022-05-01 | $347,450 (17.8%) | $396,911 (16.1%) | 0.79 | 526 |
| 2022-06-01 | $351,950 (21.9%) | $391,844 (19.8%) | 0.78 | 712 |
| 2022-07-01 | $359,900 (25.0%) | $398,597 (20.2%) | 0.81 | 882 |
| 2022-08-01 | $365,000 (20.2%) | $398,556 (17.7%) | 0.84 | 1,087 |
| 2022-09-01 | $357,500 (12.4%) | $395,325 (14.0%) | 0.84 | 1,175 |
| 2022-10-01 | $359,900 (10.9%) | $393,201 (12.4%) | 0.85 | 1,221 |
| 2022-11-01 | $354,675 (7.0%) | $391,895 (9.0%) | 0.85 | 1,276 |
| 2022-12-01 | $351,900 (8.3%) | $386,758 (6.9%) | 0.87 | 1,253 |
| 2023-01-01 | $352,975 (4.6%) | $392,990 (3.3%) | 0.87 | 1,223 |
| 2023-02-01 | $363,900 (4.5%) | $405,037 (4.4%) | 0.88 | 1,092 |
| 2023-03-01 | $366,950 (8.0%) | $409,099 (3.4%) | 0.87 | 960 |
| 2023-04-01 | $360,000 (7.5%) | $405,461 (2.4%) | 0.84 | 907 |
| 2023-05-01 | $363,525 (4.6%) | $403,923 (1.8%) | 0.82 | 936 |
| 2023-06-01 | $363,300 (3.2%) | $407,259 (3.9%) | 0.82 | 952 |
| 2023-07-01 | $360,000 (0.0%) | $408,407 (2.5%) | 0.82 | 1,067 |
| 2023-08-01 | $356,050 (-2.5%) | $404,727 (1.6%) | 0.82 | 1,163 |
| 2023-09-01 | $348,400 (-2.6%) | $390,620 (-1.2%) | 0.81 | 1,198 |
| 2023-10-01 | $339,575 (-5.7%) | $381,874 (-2.9%) | 0.80 | 1,279 |
| 2023-11-01 | $337,250 (-4.9%) | $383,746 (-2.1%) | 0.80 | 1,335 |
| 2023-12-01 | $330,000 (-6.2%) | $381,215 (-1.4%) | 0.80 | 1,283 |
| 2024-01-01 | $324,900 (-8.0%) | $377,736 (-3.9%) | 0.79 | 1,136 |
| 2024-02-01 | $318,975 (-12.4%) | $375,918 (-7.2%) | 0.77 | 1,124 |
| 2024-03-01 | $325,000 (-11.4%) | $377,623 (-7.7%) | 0.76 | 1,174 |
| 2024-04-01 | $330,000 (-8.3%) | $381,222 (-6.0%) | 0.77 | 1,257 |
| 2024-05-01 | $334,900 (-7.9%) | $386,863 (-4.2%) | 0.76 | 1,353 |
| 2024-06-01 | $334,900 (-7.8%) | $387,485 (-4.9%) | 0.76 | 1,430 |
| 2024-07-01 | $334,975 (-7.0%) | $388,836 (-4.8%) | 0.77 | 1,538 |
| 2024-08-01 | $334,950 (-5.9%) | $385,157 (-4.8%) | 0.78 | 1,604 |
| 2024-09-01 | $333,998 (-4.1%) | $385,623 (-1.3%) | 0.79 | 1,652 |
| 2024-10-01 | $331,450 (-2.4%) | $379,776 (-0.6%) | 0.78 | 1,687 |
| 2024-11-01 | $334,900 (-0.7%) | $386,156 (0.6%) | 0.80 | 1,763 |
| 2024-12-01 | $334,950 (1.5%) | $386,905 (1.5%) | 0.83 | 1,645 |
| 2025-01-01 | $338,950 (4.3%) | $388,011 (2.7%) | 0.85 | 1,587 |
| 2025-02-01 | $340,950 (6.9%) | $388,590 (3.4%) | 0.83 | 1,575 |
| 2025-03-01 | $342,000 (5.2%) | $390,141 (3.3%) | 0.80 | 1,636 |
| 2025-04-01 | $343,250 (4.0%) | $393,116 (3.1%) | 0.80 | 1,711 |
Clarksville's median listing price comes in at 80% of the national average.
Clarksville's average listing price for 2025-04-01 was $393,116, a difference of $11,894 (3.1%) versus the prior year and $2,975 versus the prior month.
For the 2025-04-01 period, Clarksville had 1,711 MLS listings, a difference of 75 listings (5%) versus the prior month and 454 listings (36%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Clarksville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 69 days | 2,073 sqft |
| 2018-02-01 | 69 days | 2,099 sqft |
| 2018-03-01 | 46 days | 2,080 sqft |
| 2018-04-01 | 44 days | 2,093 sqft |
| 2018-05-01 | 44 days | 2,117 sqft |
| 2018-06-01 | 47 days | 2,098 sqft |
| 2018-07-01 | 52 days | 2,076 sqft |
| 2018-08-01 | 51 days | 2,084 sqft |
| 2018-09-01 | 53 days | 2,110 sqft |
| 2018-10-01 | 59 days | 2,112 sqft |
| 2018-11-01 | 62 days | 2,125 sqft |
| 2018-12-01 | 71 days | 2,150 sqft |
| 2019-01-01 | 81 days | 2,163 sqft |
| 2019-02-01 | 69 days | 2,200 sqft |
| 2019-03-01 | 56 days | 2,241 sqft |
| 2019-04-01 | 47 days | 2,279 sqft |
| 2019-05-01 | 44 days | 2,248 sqft |
| 2019-06-01 | 41 days | 2,238 sqft |
| 2019-07-01 | 45 days | 2,237 sqft |
| 2019-08-01 | 47 days | 2,205 sqft |
| 2019-09-01 | 49 days | 2,174 sqft |
| 2019-10-01 | 50 days | 2,151 sqft |
| 2019-11-01 | 59 days | 2,144 sqft |
| 2019-12-01 | 66 days | 2,139 sqft |
| 2020-01-01 | 66 days | 2,101 sqft |
| 2020-02-01 | 52 days | 2,123 sqft |
| 2020-03-01 | 39 days | 2,134 sqft |
| 2020-04-01 | 41 days | 2,151 sqft |
| 2020-05-01 | 51 days | 2,161 sqft |
| 2020-06-01 | 51 days | 2,166 sqft |
| 2020-07-01 | 38 days | 2,128 sqft |
| 2020-08-01 | 33 days | 2,121 sqft |
| 2020-09-01 | 30 days | 2,175 sqft |
| 2020-10-01 | 32 days | 2,200 sqft |
| 2020-11-01 | 41 days | 2,188 sqft |
| 2020-12-01 | 36 days | 2,188 sqft |
| 2021-01-01 | 31 days | 2,179 sqft |
| 2021-02-01 | 25 days | 2,196 sqft |
| 2021-03-01 | 24 days | 2,248 sqft |
| 2021-04-01 | 18 days | 2,230 sqft |
| 2021-05-01 | 10 days | 2,157 sqft |
| 2021-06-01 | 11 days | 2,044 sqft |
| 2021-07-01 | 19 days | 2,050 sqft |
| 2021-08-01 | 18 days | 2,089 sqft |
| 2021-09-01 | 24 days | 2,091 sqft |
| 2021-10-01 | 26 days | 2,092 sqft |
| 2021-11-01 | 32 days | 2,110 sqft |
| 2021-12-01 | 40 days | 2,076 sqft |
| 2022-01-01 | 44 days | 2,111 sqft |
| 2022-02-01 | 21 days | 2,100 sqft |
| 2022-03-01 | 16 days | 2,062 sqft |
| 2022-04-01 | 12 days | 2,033 sqft |
| 2022-05-01 | 15 days | 2,049 sqft |
| 2022-06-01 | 20 days | 2,044 sqft |
| 2022-07-01 | 23 days | 2,067 sqft |
| 2022-08-01 | 32 days | 2,089 sqft |
| 2022-09-01 | 40 days | 2,072 sqft |
| 2022-10-01 | 50 days | 2,065 sqft |
| 2022-11-01 | 50 days | 2,059 sqft |
| 2022-12-01 | 54 days | 2,050 sqft |
| 2023-01-01 | 63 days | 2,050 sqft |
| 2023-02-01 | 58 days | 2,067 sqft |
| 2023-03-01 | 48 days | 2,067 sqft |
| 2023-04-01 | 39 days | 2,050 sqft |
| 2023-05-01 | 37 days | 2,048 sqft |
| 2023-06-01 | 37 days | 2,055 sqft |
| 2023-07-01 | 37 days | 2,032 sqft |
| 2023-08-01 | 42 days | 2,000 sqft |
| 2023-09-01 | 46 days | 1,937 sqft |
| 2023-10-01 | 44 days | 1,910 sqft |
| 2023-11-01 | 47 days | 1,900 sqft |
| 2023-12-01 | 55 days | 1,840 sqft |
| 2024-01-01 | 65 days | 1,807 sqft |
| 2024-02-01 | 47 days | 1,722 sqft |
| 2024-03-01 | 40 days | 1,751 sqft |
| 2024-04-01 | 36 days | 1,807 sqft |
| 2024-05-01 | 38 days | 1,837 sqft |
| 2024-06-01 | 44 days | 1,860 sqft |
| 2024-07-01 | 45 days | 1,847 sqft |
| 2024-08-01 | 46 days | 1,831 sqft |
| 2024-09-01 | 58 days | 1,809 sqft |
| 2024-10-01 | 64 days | 1,800 sqft |
| 2024-11-01 | 70 days | 1,803 sqft |
| 2024-12-01 | 72 days | 1,797 sqft |
| 2025-01-01 | 71 days | 1,810 sqft |
| 2025-02-01 | 64 days | 1,823 sqft |
| 2025-03-01 | 57 days | 1,842 sqft |
| 2025-04-01 | 54 days | 1,854 sqft |
Clarksville's median square footage for active listings during the 2025-04-01 period was 1,854 sqft. One year prior, the average listing was 1,807 sqft.