Dayton VA Loan Rates, Closing Costs & Stats
Dayton, TN
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.
Dayton's 30 lenders originated 54 VA loans during 2023. The total origination value was $14,800,000, with an average VA loan value of $274,074.
Dayton VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Dayton
averaged
0.58%
for the week of 2024-11-29, compared to the national average (all VA variants) of
0% for the same period.
Dayton's average VA mortgage closing costs are $5,670.
The average rate for the prior week (2024-11-22) was
6.55% and
one month ago for the week of 2024-10-25, the
average rate was 6.34%.
The average rate one year ago was 7.19%.
For refis of the same type during the week of 2024-11-29, the average rate
was 0.2%.
Dayton 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 Dayton level.
The top Dayton VA lender as defined by loan originations is Mortgage Research Center, LLC, with
7 VA loans originated. Their average total fees are
$4,303, which is $6,126
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Dayton VA lenders (with over 10 loans originated) are
.
The lowest rate Dayton VA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Dayton (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 | $182,500 (7.3%) | $282,940 (8.9%) | 0.00 | 184 |
2018-02-01 | $182,100 (4.1%) | $266,430 (0.2%) | 0.00 | 197 |
2018-03-01 | $178,900 (3.5%) | $275,056 (1.8%) | 0.00 | 183 |
2018-04-01 | $193,875 (9.5%) | $284,019 (0.7%) | 0.00 | 186 |
2018-05-01 | $198,500 (2.8%) | $296,069 (3.2%) | 0.00 | 190 |
2018-06-01 | $195,500 (-5.8%) | $298,635 (-0.3%) | 0.00 | 187 |
2018-07-01 | $213,038 (-4.1%) | $305,936 (0.6%) | 0.00 | 181 |
2018-08-01 | $216,075 (-8.5%) | $306,385 (-2.1%) | 0.00 | 185 |
2018-09-01 | $219,000 (-0.3%) | $309,101 (0.1%) | 0.00 | 176 |
2018-10-01 | $202,475 (3.0%) | $306,205 (3.4%) | 0.00 | 173 |
2018-11-01 | $213,725 (11.8%) | $310,112 (7.2%) | 0.00 | 167 |
2018-12-01 | $225,000 (20.6%) | $304,844 (7.9%) | 0.00 | 152 |
2019-01-01 | $223,625 (22.5%) | $307,982 (8.9%) | 0.00 | 142 |
2019-02-01 | $226,225 (24.2%) | $314,776 (18.2%) | 0.00 | 133 |
2019-03-01 | $231,200 (29.2%) | $320,188 (16.4%) | 0.00 | 127 |
2019-04-01 | $226,038 (16.6%) | $313,414 (10.4%) | 0.00 | 130 |
2019-05-01 | $238,125 (20.0%) | $339,029 (14.5%) | 0.00 | 141 |
2019-06-01 | $224,500 (14.8%) | $317,062 (6.2%) | 0.00 | 147 |
2019-07-01 | $239,000 (12.2%) | $324,206 (6.0%) | 0.00 | 147 |
2019-08-01 | $227,509 (5.3%) | $315,968 (3.1%) | 0.00 | 150 |
2019-09-01 | $220,473 (0.7%) | $310,559 (0.5%) | 0.00 | 148 |
2019-10-01 | $214,975 (6.2%) | $306,106 (0.0%) | 0.00 | 146 |
2019-11-01 | $199,900 (-6.5%) | $300,333 (-3.2%) | 0.00 | 135 |
2019-12-01 | $199,925 (-11.1%) | $305,521 (0.2%) | 0.00 | 128 |
2020-01-01 | $209,950 (-6.1%) | $316,459 (2.8%) | 0.00 | 113 |
2020-02-01 | $219,950 (-2.8%) | $330,768 (5.1%) | 0.00 | 108 |
2020-03-01 | $233,325 (0.9%) | $345,515 (7.9%) | 0.00 | 93 |
2020-04-01 | $236,950 (4.8%) | $341,104 (8.8%) | 0.00 | 94 |
2020-05-01 | $249,900 (4.9%) | $342,218 (0.9%) | 0.00 | 92 |
2020-06-01 | $239,000 (6.5%) | $330,209 (4.2%) | 0.00 | 85 |
2020-07-01 | $219,275 (-8.3%) | $326,521 (0.7%) | 0.00 | 67 |
2020-08-01 | $249,000 (9.5%) | $391,193 (23.8%) | 0.00 | 65 |
2020-09-01 | $244,750 (11.0%) | $396,923 (27.8%) | 0.00 | 52 |
2020-10-01 | $277,400 (29.0%) | $421,411 (37.7%) | 0.00 | 54 |
2020-11-01 | $325,000 (62.6%) | $430,667 (43.4%) | 0.00 | 51 |
2020-12-01 | $325,000 (62.6%) | $465,034 (52.2%) | 0.00 | 46 |
2021-01-01 | $294,500 (40.3%) | $476,656 (50.6%) | 0.00 | 49 |
2021-02-01 | $312,450 (42.1%) | $480,687 (45.3%) | 0.00 | 47 |
2021-03-01 | $305,620 (31.0%) | $474,638 (37.4%) | 0.00 | 44 |
2021-04-01 | $295,500 (24.7%) | $484,013 (41.9%) | 0.00 | 38 |
2021-05-01 | $295,000 (18.1%) | $524,444 (53.3%) | 0.00 | 32 |
2021-06-01 | $276,600 (15.7%) | $449,568 (36.2%) | 0.00 | 43 |
2021-07-01 | $252,500 (15.2%) | $442,480 (35.5%) | 0.00 | 58 |
2021-08-01 | $272,225 (9.3%) | $478,178 (22.2%) | 0.00 | 52 |
2021-09-01 | $279,375 (14.2%) | $396,194 (-0.2%) | 0.00 | 57 |
2021-10-01 | $286,200 (3.2%) | $410,946 (-2.5%) | 0.00 | 50 |
2021-11-01 | $272,200 (-16.3%) | $401,248 (-6.8%) | 0.00 | 43 |
2021-12-01 | $280,500 (-13.7%) | $434,124 (-6.7%) | 0.00 | 38 |
2022-01-01 | $287,450 (-2.4%) | $452,404 (-5.1%) | 0.00 | 32 |
2022-02-01 | $308,070 (-1.4%) | $453,731 (-5.6%) | 0.00 | 25 |
2022-03-01 | $341,795 (11.8%) | $493,387 (4.0%) | 0.00 | 31 |
2022-04-01 | $354,400 (19.9%) | $477,424 (-1.4%) | 0.00 | 39 |
2022-05-01 | $354,900 (20.3%) | $453,950 (-13.4%) | 0.00 | 57 |
2022-06-01 | $363,725 (31.5%) | $439,506 (-2.2%) | 0.00 | 66 |
2022-07-01 | $375,000 (48.5%) | $427,084 (-3.5%) | 0.00 | 67 |
2022-08-01 | $399,450 (46.7%) | $455,665 (-4.7%) | 0.00 | 72 |
2022-09-01 | $429,000 (53.6%) | $481,152 (21.4%) | 0.00 | 75 |
2022-10-01 | $429,000 (49.9%) | $492,633 (19.9%) | 0.00 | 78 |
2022-11-01 | $418,850 (53.9%) | $484,121 (20.7%) | 0.00 | 80 |
2022-12-01 | $374,900 (33.7%) | $467,677 (7.7%) | 0.00 | 89 |
2023-01-01 | $367,850 (28.0%) | $458,789 (1.4%) | 0.00 | 74 |
2023-02-01 | $389,000 (26.3%) | $469,860 (3.6%) | 0.00 | 67 |
2023-03-01 | $399,500 (16.9%) | $465,270 (-5.7%) | 0.00 | 57 |
2023-04-01 | $399,500 (12.7%) | $446,678 (-6.4%) | 0.00 | 53 |
2023-05-01 | $362,500 (2.1%) | $439,158 (-3.3%) | 0.00 | 74 |
2023-06-01 | $393,000 (8.1%) | $485,247 (10.4%) | 0.00 | 81 |
2023-07-01 | $388,500 (3.6%) | $529,064 (23.9%) | 0.00 | 87 |
2023-08-01 | $413,750 (3.6%) | $513,934 (12.8%) | 0.00 | 91 |
2023-09-01 | $420,000 (-2.1%) | $515,667 (7.2%) | 0.00 | 87 |
2023-10-01 | $375,600 (-12.5%) | $485,787 (-1.4%) | 0.00 | 84 |
2023-11-01 | $399,700 (-4.6%) | $504,645 (4.2%) | 0.00 | 83 |
2023-12-01 | $395,700 (5.6%) | $506,756 (8.4%) | 0.00 | 76 |
2024-01-01 | $357,450 (-2.8%) | $500,974 (9.2%) | 0.00 | 72 |
2024-02-01 | $371,000 (-4.6%) | $493,374 (5.0%) | 0.00 | 66 |
2024-03-01 | $404,450 (1.2%) | $503,708 (8.3%) | 0.00 | 64 |
2024-04-01 | $381,477 (-4.5%) | $513,836 (15.0%) | 0.00 | 74 |
2024-05-01 | $399,575 (10.2%) | $525,820 (19.7%) | 0.00 | 84 |
2024-06-01 | $362,500 (-7.8%) | $495,421 (2.1%) | 0.00 | 100 |
2024-07-01 | $346,950 (-10.7%) | $472,801 (-10.6%) | 0.00 | 111 |
2024-08-01 | $355,000 (-14.2%) | $462,983 (-9.9%) | 0.00 | 107 |
2024-09-01 | $376,899 (-10.3%) | $496,418 (-3.7%) | 0.00 | 109 |
2024-10-01 | $381,901 (1.7%) | $483,512 (-0.5%) | 0.00 | 108 |
Dayton's median listing price comes in at 0% of the national average.
Dayton's average listing price for 2024-10-01 was $483,512, a difference of $-2,275 (-0.5%) versus the prior year and $-12,906 versus the prior month.
For the 2024-10-01 period, Dayton had 108 MLS listings, a difference of -1 listings (-1%) versus the prior month and 24 listings (29%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Dayton (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,792 sqft |
2018-02-01 | 0 days | 1,781 sqft |
2018-03-01 | 0 days | 1,692 sqft |
2018-04-01 | 0 days | 1,853 sqft |
2018-05-01 | 0 days | 1,878 sqft |
2018-06-01 | 0 days | 1,888 sqft |
2018-07-01 | 0 days | 1,904 sqft |
2018-08-01 | 0 days | 1,982 sqft |
2018-09-01 | 0 days | 2,000 sqft |
2018-10-01 | 0 days | 1,914 sqft |
2018-11-01 | 0 days | 1,871 sqft |
2018-12-01 | 0 days | 1,955 sqft |
2019-01-01 | 0 days | 1,898 sqft |
2019-02-01 | 0 days | 1,872 sqft |
2019-03-01 | 0 days | 1,974 sqft |
2019-04-01 | 0 days | 2,024 sqft |
2019-05-01 | 0 days | 2,055 sqft |
2019-06-01 | 0 days | 2,056 sqft |
2019-07-01 | 0 days | 2,168 sqft |
2019-08-01 | 0 days | 2,078 sqft |
2019-09-01 | 0 days | 2,012 sqft |
2019-10-01 | 0 days | 1,947 sqft |
2019-11-01 | 0 days | 1,920 sqft |
2019-12-01 | 0 days | 1,960 sqft |
2020-01-01 | 0 days | 1,964 sqft |
2020-02-01 | 0 days | 1,934 sqft |
2020-03-01 | 0 days | 1,940 sqft |
2020-04-01 | 0 days | 1,931 sqft |
2020-05-01 | 0 days | 1,946 sqft |
2020-06-01 | 0 days | 1,884 sqft |
2020-07-01 | 0 days | 1,860 sqft |
2020-08-01 | 0 days | 2,092 sqft |
2020-09-01 | 0 days | 2,083 sqft |
2020-10-01 | 0 days | 2,258 sqft |
2020-11-01 | 0 days | 2,484 sqft |
2020-12-01 | 0 days | 2,560 sqft |
2021-01-01 | 0 days | 2,520 sqft |
2021-02-01 | 0 days | 2,346 sqft |
2021-03-01 | 0 days | 1,989 sqft |
2021-04-01 | 0 days | 2,120 sqft |
2021-05-01 | 0 days | 1,719 sqft |
2021-06-01 | 0 days | 1,829 sqft |
2021-07-01 | 0 days | 1,762 sqft |
2021-08-01 | 0 days | 1,820 sqft |
2021-09-01 | 0 days | 1,888 sqft |
2021-10-01 | 0 days | 1,899 sqft |
2021-11-01 | 0 days | 1,846 sqft |
2021-12-01 | 0 days | 1,748 sqft |
2022-01-01 | 0 days | 1,863 sqft |
2022-02-01 | 0 days | 2,195 sqft |
2022-03-01 | 0 days | 1,896 sqft |
2022-04-01 | 0 days | 1,940 sqft |
2022-05-01 | 0 days | 1,811 sqft |
2022-06-01 | 0 days | 1,838 sqft |
2022-07-01 | 0 days | 1,866 sqft |
2022-08-01 | 0 days | 2,040 sqft |
2022-09-01 | 0 days | 2,040 sqft |
2022-10-01 | 0 days | 1,986 sqft |
2022-11-01 | 0 days | 1,893 sqft |
2022-12-01 | 0 days | 1,893 sqft |
2023-01-01 | 0 days | 1,853 sqft |
2023-02-01 | 0 days | 1,901 sqft |
2023-03-01 | 0 days | 1,893 sqft |
2023-04-01 | 0 days | 1,902 sqft |
2023-05-01 | 0 days | 1,823 sqft |
2023-06-01 | 0 days | 1,965 sqft |
2023-07-01 | 0 days | 1,973 sqft |
2023-08-01 | 0 days | 1,807 sqft |
2023-09-01 | 0 days | 1,918 sqft |
2023-10-01 | 0 days | 1,825 sqft |
2023-11-01 | 0 days | 1,937 sqft |
2023-12-01 | 0 days | 2,016 sqft |
2024-01-01 | 0 days | 1,894 sqft |
2024-02-01 | 0 days | 1,966 sqft |
2024-03-01 | 0 days | 2,022 sqft |
2024-04-01 | 0 days | 2,000 sqft |
2024-05-01 | 0 days | 1,998 sqft |
2024-06-01 | 0 days | 1,992 sqft |
2024-07-01 | 0 days | 1,823 sqft |
2024-08-01 | 0 days | 1,960 sqft |
2024-09-01 | 0 days | 1,988 sqft |
2024-10-01 | 0 days | 1,992 sqft |
Dayton's median square footage for active listings during the 2024-10-01 period was 1,992 sqft. One year prior, the average listing was 1,825 sqft.