Kirksville VA Loan Rates, Closing Costs & Stats

Kirksville, MO

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Kirksville's 7 lenders originated 15 VA loans during 2023. The total origination value was $2,445,000, with an average VA loan value of $163,000.

    Kirksville VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Kirksville averaged 6.59% for the week of 2025-02-14, compared to the national average (all VA variants) of 6.428% for the same period.

    Kirksville's average VA mortgage closing costs are $4,166.

    The average rate for the prior week (2025-02-07) was 6.52% and one month ago for the week of 2025-01-10, the average rate was 6.66%.

    The average rate one year ago was 6.48%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.33%.

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

    Kirksville 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 Kirksville level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 8 7.09% $2,362
    DAS Acquisition Company, LLC 2 6.94% $283
    FLAT BRANCH MORTGAGE, INC. 1 6.25% $2,589
    LOANDEPOT.COM, LLC 1 6.63% $7,689
    PENNYMAC LOAN SERVICES, LLC 1 5.63% $7,689
    SeaTrust Mortgage Company 1 7.00% $6,559
    USAA Federal Savings Bank 1 6.63% $5,048

    The top Kirksville VA lender as defined by loan originations is Mortgage Research Center, LLC, with 8 VA loans originated. Their average total fees are $2,362, which is $2,079 higher than the next largest lender, DAS Acquisition Company, LLC.

    The lowest fee Kirksville VA lenders (with over 10 loans originated) are .

    The lowest rate Kirksville VA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Kirksville (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 $94,950 (5.7%) $155,793 (9.1%) 0.00 109
    2018-02-01 $84,125 (-11.9%) $157,132 (9.0%) 0.00 106
    2018-03-01 $104,900 (-0.8%) $166,116 (9.2%) 0.00 110
    2018-04-01 $114,950 (4.6%) $171,283 (7.5%) 0.00 123
    2018-05-01 $122,150 (11.1%) $175,582 (11.0%) 0.00 131
    2018-06-01 $119,900 (4.3%) $163,158 (1.8%) 0.00 138
    2018-07-01 $124,900 (9.9%) $160,439 (1.4%) 0.00 139
    2018-08-01 $116,650 (3.7%) $159,301 (-1.2%) 0.00 137
    2018-09-01 $99,900 (-7.5%) $147,247 (-5.4%) 0.00 125
    2018-10-01 $95,200 (-2.1%) $145,527 (-5.3%) 0.00 116
    2018-11-01 $99,900 (6.4%) $149,982 (-0.4%) 0.00 116
    2018-12-01 $105,000 (10.5%) $150,372 (-5.7%) 0.00 111
    2019-01-01 $104,500 (10.1%) $154,904 (-0.6%) 0.00 98
    2019-02-01 $104,500 (24.2%) $157,985 (0.5%) 0.00 97
    2019-03-01 $100,886 (-3.8%) $159,860 (-3.8%) 0.00 99
    2019-04-01 $100,886 (-12.2%) $162,759 (-5.0%) 0.00 99
    2019-05-01 $99,900 (-18.2%) $165,816 (-5.6%) 0.00 98
    2019-06-01 $99,900 (-16.7%) $164,507 (0.8%) 0.00 113
    2019-07-01 $107,225 (-14.2%) $168,676 (5.1%) 0.00 121
    2019-08-01 $106,736 (-8.5%) $170,964 (7.3%) 0.00 122
    2019-09-01 $102,666 (2.8%) $164,631 (11.8%) 0.00 122
    2019-10-01 $99,800 (4.8%) $161,750 (11.2%) 0.00 125
    2019-11-01 $99,500 (-0.4%) $170,894 (13.9%) 0.00 109
    2019-12-01 $95,600 (-9.0%) $166,746 (10.9%) 0.00 98
    2020-01-01 $89,675 (-14.2%) $166,928 (7.8%) 0.00 93
    2020-02-01 $88,500 (-15.3%) $163,703 (3.6%) 0.00 95
    2020-03-01 $93,944 (-6.9%) $165,654 (3.6%) 0.00 105
    2020-04-01 $102,300 (1.4%) $169,666 (4.2%) 0.00 111
    2020-05-01 $109,900 (10.0%) $175,829 (6.0%) 0.00 102
    2020-06-01 $126,150 (26.3%) $193,366 (17.5%) 0.00 96
    2020-07-01 $119,000 (11.0%) $192,784 (14.3%) 0.00 85
    2020-08-01 $116,250 (8.9%) $191,274 (11.9%) 0.00 88
    2020-09-01 $114,950 (12.0%) $193,989 (17.8%) 0.00 80
    2020-10-01 $109,500 (9.7%) $185,824 (14.9%) 0.00 81
    2020-11-01 $117,000 (17.6%) $190,458 (11.5%) 0.00 72
    2020-12-01 $99,675 (4.3%) $164,608 (-1.3%) 0.00 77
    2021-01-01 $97,500 (8.7%) $165,866 (-0.6%) 0.00 76
    2021-02-01 $94,475 (6.8%) $171,758 (4.9%) 0.00 80
    2021-03-01 $90,575 (-3.6%) $162,114 (-2.1%) 0.00 75
    2021-04-01 $89,900 (-12.1%) $161,427 (-4.9%) 0.00 67
    2021-05-01 $117,400 (6.8%) $163,718 (-6.9%) 0.00 66
    2021-06-01 $108,650 (-13.9%) $160,698 (-16.9%) 0.00 64
    2021-07-01 $111,950 (-5.9%) $165,042 (-14.4%) 0.00 69
    2021-08-01 $116,600 (0.3%) $156,218 (-18.3%) 0.00 81
    2021-09-01 $119,750 (4.2%) $165,814 (-14.5%) 0.00 82
    2021-10-01 $124,500 (13.7%) $176,204 (-5.2%) 0.00 82
    2021-11-01 $149,900 (28.1%) $302,133 (58.6%) 0.00 86
    2021-12-01 $130,800 (31.2%) $295,003 (79.2%) 0.00 82
    2022-01-01 $138,000 (41.5%) $322,115 (94.2%) 0.00 71
    2022-02-01 $149,900 (58.7%) $334,522 (94.8%) 0.00 64
    2022-03-01 $169,350 (87.0%) $379,026 (133.8%) 0.00 51
    2022-04-01 $159,900 (77.9%) $397,158 (146.0%) 0.00 45
    2022-05-01 $150,875 (28.5%) $382,977 (133.9%) 0.00 51
    2022-06-01 $187,400 (72.5%) $420,577 (161.7%) 0.00 54
    2022-07-01 $193,500 (72.9%) $361,117 (118.8%) 0.00 74
    2022-08-01 $185,950 (59.5%) $346,761 (122.0%) 0.00 81
    2022-09-01 $174,975 (46.1%) $324,107 (95.5%) 0.00 83
    2022-10-01 $179,900 (44.5%) $342,196 (94.2%) 0.00 70
    2022-11-01 $175,000 (16.7%) $344,245 (13.9%) 0.00 65
    2022-12-01 $168,750 (29.0%) $353,113 (19.7%) 0.00 56
    2023-01-01 $179,200 (29.9%) $284,181 (-11.8%) 0.00 56
    2023-02-01 $190,450 (27.1%) $251,554 (-24.8%) 0.00 56
    2023-03-01 $212,950 (25.8%) $249,059 (-34.3%) 0.00 64
    2023-04-01 $213,900 (33.8%) $247,584 (-37.7%) 0.00 63
    2023-05-01 $198,925 (31.9%) $217,291 (-43.3%) 0.00 68
    2023-06-01 $189,950 (1.4%) $211,856 (-49.6%) 0.00 75
    2023-07-01 $187,400 (-3.2%) $224,878 (-37.7%) 0.00 83
    2023-08-01 $190,000 (2.2%) $237,164 (-31.6%) 0.00 78
    2023-09-01 $190,000 (8.6%) $246,300 (-24.0%) 0.00 84
    2023-10-01 $197,250 (9.6%) $253,603 (-25.9%) 0.00 83
    2023-11-01 $191,650 (9.5%) $258,538 (-24.9%) 0.00 86
    2023-12-01 $173,950 (3.1%) $252,751 (-28.4%) 0.00 75
    2024-01-01 $177,475 (-1.0%) $253,739 (-10.7%) 0.00 65
    2024-02-01 $158,750 (-16.6%) $238,738 (-5.1%) 0.00 73
    2024-03-01 $159,900 (-24.9%) $270,281 (8.5%) 0.00 79
    2024-04-01 $191,450 (-10.5%) $284,528 (14.9%) 0.00 81
    2024-05-01 $209,999 (5.6%) $286,570 (31.9%) 0.00 83
    2024-06-01 $199,900 (5.2%) $263,177 (24.2%) 0.00 93
    2024-07-01 $209,249 (11.7%) $254,600 (13.2%) 0.00 99
    2024-08-01 $209,900 (10.5%) $262,592 (10.7%) 0.00 105
    2024-09-01 $199,900 (5.2%) $278,561 (13.1%) 0.00 109
    2024-10-01 $204,900 (3.9%) $287,629 (13.4%) 0.00 108
    2024-11-01 $199,900 (4.3%) $282,759 (9.4%) 0.00 108
    2024-12-01 $199,900 (14.9%) $278,026 (10.0%) 0.00 102
    2025-01-01 $191,175 (7.7%) $257,106 (1.3%) 0.00 96
    Kirksville's median listing price for 2025-01-01 was $191,175, a difference of $13,700 (7.7%) versus the prior year and $-8,725 versus the prior month.

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

    Kirksville's average listing price for 2025-01-01 was $257,106, a difference of $3,367 (1.3%) versus the prior year and $-20,920 versus the prior month.

    For the 2025-01-01 period, Kirksville had 96 MLS listings, a difference of -6 listings (-6%) versus the prior month and 31 listings (48%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Kirksville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,414 sqft
    2018-02-01 0 days 1,400 sqft
    2018-03-01 0 days 1,405 sqft
    2018-04-01 0 days 1,475 sqft
    2018-05-01 0 days 1,544 sqft
    2018-06-01 0 days 1,531 sqft
    2018-07-01 0 days 1,536 sqft
    2018-08-01 0 days 1,488 sqft
    2018-09-01 0 days 1,416 sqft
    2018-10-01 0 days 1,401 sqft
    2018-11-01 0 days 1,401 sqft
    2018-12-01 0 days 1,404 sqft
    2019-01-01 0 days 1,400 sqft
    2019-02-01 0 days 1,401 sqft
    2019-03-01 0 days 1,465 sqft
    2019-04-01 0 days 1,538 sqft
    2019-05-01 0 days 1,513 sqft
    2019-06-01 0 days 1,501 sqft
    2019-07-01 0 days 1,475 sqft
    2019-08-01 0 days 1,507 sqft
    2019-09-01 0 days 1,448 sqft
    2019-10-01 0 days 1,437 sqft
    2019-11-01 0 days 1,488 sqft
    2019-12-01 0 days 1,484 sqft
    2020-01-01 0 days 1,416 sqft
    2020-02-01 0 days 1,404 sqft
    2020-03-01 0 days 1,471 sqft
    2020-04-01 0 days 1,550 sqft
    2020-05-01 0 days 1,553 sqft
    2020-06-01 0 days 1,624 sqft
    2020-07-01 0 days 1,623 sqft
    2020-08-01 0 days 1,680 sqft
    2020-09-01 0 days 1,566 sqft
    2020-10-01 0 days 1,510 sqft
    2020-11-01 0 days 1,514 sqft
    2020-12-01 0 days 1,466 sqft
    2021-01-01 0 days 1,463 sqft
    2021-02-01 0 days 1,419 sqft
    2021-03-01 0 days 1,342 sqft
    2021-04-01 0 days 1,407 sqft
    2021-05-01 0 days 1,419 sqft
    2021-06-01 0 days 1,462 sqft
    2021-07-01 0 days 1,474 sqft
    2021-08-01 0 days 1,369 sqft
    2021-09-01 0 days 1,374 sqft
    2021-10-01 0 days 1,314 sqft
    2021-11-01 0 days 1,410 sqft
    2021-12-01 0 days 1,435 sqft
    2022-01-01 0 days 1,465 sqft
    2022-02-01 0 days 1,451 sqft
    2022-03-01 0 days 1,680 sqft
    2022-04-01 0 days 1,658 sqft
    2022-05-01 0 days 1,436 sqft
    2022-06-01 0 days 1,840 sqft
    2022-07-01 0 days 1,957 sqft
    2022-08-01 0 days 1,711 sqft
    2022-09-01 0 days 1,699 sqft
    2022-10-01 0 days 1,752 sqft
    2022-11-01 0 days 1,635 sqft
    2022-12-01 0 days 1,619 sqft
    2023-01-01 0 days 1,619 sqft
    2023-02-01 0 days 1,672 sqft
    2023-03-01 0 days 1,658 sqft
    2023-04-01 0 days 1,598 sqft
    2023-05-01 0 days 1,622 sqft
    2023-06-01 0 days 1,600 sqft
    2023-07-01 0 days 1,656 sqft
    2023-08-01 0 days 1,774 sqft
    2023-09-01 0 days 1,778 sqft
    2023-10-01 0 days 1,802 sqft
    2023-11-01 0 days 1,805 sqft
    2023-12-01 0 days 1,555 sqft
    2024-01-01 0 days 1,550 sqft
    2024-02-01 0 days 1,496 sqft
    2024-03-01 0 days 1,493 sqft
    2024-04-01 0 days 1,623 sqft
    2024-05-01 0 days 1,694 sqft
    2024-06-01 0 days 1,531 sqft
    2024-07-01 0 days 1,655 sqft
    2024-08-01 0 days 1,628 sqft
    2024-09-01 0 days 1,684 sqft
    2024-10-01 0 days 1,664 sqft
    2024-11-01 0 days 1,658 sqft
    2024-12-01 0 days 1,590 sqft
    2025-01-01 0 days 1,540 sqft
    Kirksville's median listing age (time on market) for 2025-01-01 was 0 days.

    Kirksville's median square footage for active listings during the 2025-01-01 period was 1,540 sqft. One year prior, the average listing was 1,550 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.