Lake County VA Loan Rates, Closing Costs & Stats
LAKE COUNTY-KENOSHA COUNTY, IL-WI
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.
Lake County VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Lake County
averaged
0%
for the week of 2025-05-02, compared to the national average (all VA variants) of
6.279% for the same period.
Lake County's average VA mortgage closing costs are $0.
The average rate for the prior week (2025-04-25) was
0% and
one month ago for the week of 2025-03-28, the
average rate was 0%.
The average rate one year ago was 0%.
For refis of the same type during the week of 2025-05-02, the average rate
was 0%.
Lake County 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 Lake County level.
Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
---|
The lowest fee Lake County VA lenders (with over 10 loans originated) are
.
The lowest rate Lake County VA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Lake County (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 | $288,700 (6.0%) | $452,383 (4.3%) | 1.07 | 27,019 |
2018-02-01 | $304,500 (6.1%) | $471,391 (4.0%) | 1.11 | 27,524 |
2018-03-01 | $325,000 (8.4%) | $490,665 (4.9%) | 1.14 | 29,305 |
2018-04-01 | $334,900 (7.3%) | $494,784 (4.0%) | 1.14 | 31,116 |
2018-05-01 | $335,000 (4.7%) | $492,310 (3.1%) | 1.12 | 33,181 |
2018-06-01 | $333,995 (4.4%) | $484,353 (2.0%) | 1.11 | 35,804 |
2018-07-01 | $327,000 (2.9%) | $473,493 (0.9%) | 1.09 | 37,861 |
2018-08-01 | $319,900 (4.0%) | $462,089 (1.0%) | 1.07 | 38,939 |
2018-09-01 | $317,000 (5.7%) | $455,361 (0.7%) | 1.07 | 39,631 |
2018-10-01 | $311,450 (3.8%) | $450,517 (-0.8%) | 1.05 | 39,337 |
2018-11-01 | $302,000 (1.7%) | $447,125 (-0.8%) | 1.02 | 37,019 |
2018-12-01 | $296,850 (2.4%) | $439,278 (-1.2%) | 1.02 | 32,322 |
2019-01-01 | $296,950 (2.9%) | $442,525 (-2.2%) | 1.03 | 29,475 |
2019-02-01 | $312,300 (2.6%) | $464,293 (-1.5%) | 1.06 | 29,818 |
2019-03-01 | $327,571 (0.8%) | $478,426 (-2.5%) | 1.07 | 31,821 |
2019-04-01 | $339,250 (1.3%) | $486,079 (-1.8%) | 1.08 | 33,866 |
2019-05-01 | $339,900 (1.5%) | $482,549 (-2.0%) | 1.06 | 36,232 |
2019-06-01 | $338,450 (1.3%) | $477,556 (-1.4%) | 1.06 | 38,296 |
2019-07-01 | $331,450 (1.4%) | $470,195 (-0.7%) | 1.04 | 39,704 |
2019-08-01 | $325,155 (1.6%) | $461,247 (-0.2%) | 1.03 | 40,118 |
2019-09-01 | $319,386 (0.8%) | $454,617 (-0.2%) | 1.02 | 40,033 |
2019-10-01 | $314,945 (1.1%) | $449,911 (-0.1%) | 1.02 | 39,754 |
2019-11-01 | $306,950 (1.6%) | $444,237 (-0.7%) | 1.01 | 36,265 |
2019-12-01 | $299,400 (0.9%) | $440,601 (0.3%) | 1.00 | 31,134 |
2020-01-01 | $299,450 (0.8%) | $443,832 (0.3%) | 1.00 | 28,367 |
2020-02-01 | $319,000 (2.2%) | $466,426 (0.5%) | 1.04 | 28,915 |
2020-03-01 | $326,550 (-0.3%) | $475,570 (-0.6%) | 1.02 | 29,490 |
2020-04-01 | $324,900 (-4.2%) | $465,809 (-4.2%) | 1.02 | 28,034 |
2020-05-01 | $329,900 (-2.9%) | $477,805 (-1.0%) | 1.00 | 28,100 |
2020-06-01 | $339,000 (0.2%) | $489,639 (2.5%) | 1.00 | 28,012 |
2020-07-01 | $344,000 (3.8%) | $497,445 (5.8%) | 1.00 | 27,048 |
2020-08-01 | $346,350 (6.5%) | $502,586 (9.0%) | 0.99 | 26,677 |
2020-09-01 | $347,000 (8.7%) | $505,515 (11.2%) | 0.99 | 26,852 |
2020-10-01 | $340,000 (8.0%) | $500,832 (11.3%) | 0.97 | 26,905 |
2020-11-01 | $334,500 (9.0%) | $498,102 (12.1%) | 0.98 | 24,409 |
2020-12-01 | $325,000 (8.6%) | $495,332 (12.4%) | 0.97 | 20,674 |
2021-01-01 | $325,000 (8.5%) | $505,448 (13.9%) | 0.97 | 17,802 |
2021-02-01 | $339,996 (6.6%) | $544,070 (16.7%) | 0.99 | 15,859 |
2021-03-01 | $349,900 (7.2%) | $552,140 (16.1%) | 0.99 | 15,575 |
2021-04-01 | $349,950 (7.7%) | $552,512 (18.6%) | 0.95 | 16,203 |
2021-05-01 | $350,000 (6.1%) | $549,011 (14.9%) | 0.93 | 17,076 |
2021-06-01 | $350,000 (3.2%) | $537,537 (9.8%) | 0.92 | 19,235 |
2021-07-01 | $349,900 (1.7%) | $521,806 (4.9%) | 0.92 | 21,317 |
2021-08-01 | $339,495 (-2.0%) | $500,342 (-0.5%) | 0.91 | 22,220 |
2021-09-01 | $330,000 (-4.9%) | $491,049 (-2.9%) | 0.88 | 22,144 |
2021-10-01 | $329,000 (-3.2%) | $487,604 (-2.6%) | 0.88 | 21,486 |
2021-11-01 | $322,400 (-3.6%) | $485,721 (-2.5%) | 0.86 | 18,712 |
2021-12-01 | $312,500 (-3.9%) | $480,195 (-3.1%) | 0.85 | 15,355 |
2022-01-01 | $314,500 (-3.2%) | $492,440 (-2.6%) | 0.85 | 12,564 |
2022-02-01 | $324,500 (-4.6%) | $517,338 (-4.9%) | 0.84 | 11,457 |
2022-03-01 | $332,500 (-5.0%) | $526,309 (-4.7%) | 0.83 | 11,868 |
2022-04-01 | $349,900 (0.0%) | $534,868 (-3.2%) | 0.83 | 12,067 |
2022-05-01 | $355,375 (1.5%) | $538,395 (-1.9%) | 0.81 | 14,480 |
2022-06-01 | $359,950 (2.8%) | $532,521 (-0.9%) | 0.80 | 16,656 |
2022-07-01 | $350,000 (0.0%) | $515,494 (-1.2%) | 0.79 | 19,291 |
2022-08-01 | $349,875 (3.1%) | $509,289 (1.8%) | 0.81 | 19,478 |
2022-09-01 | $340,000 (3.0%) | $503,762 (2.6%) | 0.79 | 19,384 |
2022-10-01 | $339,900 (3.3%) | $499,744 (2.5%) | 0.80 | 19,411 |
2022-11-01 | $329,950 (2.3%) | $492,242 (1.3%) | 0.79 | 18,653 |
2022-12-01 | $322,938 (3.3%) | $482,288 (0.4%) | 0.80 | 15,983 |
2023-01-01 | $327,450 (4.1%) | $493,642 (0.2%) | 0.81 | 14,035 |
2023-02-01 | $337,500 (4.0%) | $519,123 (0.4%) | 0.81 | 12,692 |
2023-03-01 | $352,450 (6.0%) | $546,041 (3.8%) | 0.83 | 12,065 |
2023-04-01 | $369,000 (5.5%) | $569,789 (6.5%) | 0.86 | 11,604 |
2023-05-01 | $377,150 (6.1%) | $594,429 (10.4%) | 0.86 | 11,885 |
2023-06-01 | $382,500 (6.3%) | $592,009 (11.2%) | 0.86 | 12,817 |
2023-07-01 | $389,000 (11.1%) | $590,305 (14.5%) | 0.88 | 13,667 |
2023-08-01 | $384,950 (10.0%) | $581,283 (14.1%) | 0.88 | 14,106 |
2023-09-01 | $377,000 (10.9%) | $568,437 (12.8%) | 0.88 | 14,689 |
2023-10-01 | $371,950 (9.4%) | $562,710 (12.6%) | 0.88 | 15,119 |
2023-11-01 | $360,000 (9.1%) | $550,718 (11.9%) | 0.86 | 14,971 |
2023-12-01 | $350,000 (8.4%) | $536,637 (11.3%) | 0.85 | 13,067 |
2024-01-01 | $351,190 (7.3%) | $549,940 (11.4%) | 0.86 | 11,461 |
2024-02-01 | $359,950 (6.7%) | $575,673 (10.9%) | 0.87 | 10,969 |
2024-03-01 | $374,990 (6.4%) | $596,249 (9.2%) | 0.88 | 11,106 |
2024-04-01 | $389,450 (5.5%) | $609,529 (7.0%) | 0.91 | 11,593 |
2024-05-01 | $394,950 (4.7%) | $623,747 (4.9%) | 0.90 | 12,295 |
2024-06-01 | $395,000 (3.3%) | $603,861 (2.0%) | 0.90 | 13,522 |
2024-07-01 | $394,500 (1.4%) | $585,038 (-0.9%) | 0.90 | 14,906 |
2024-08-01 | $385,000 (0.0%) | $567,463 (-2.4%) | 0.90 | 15,706 |
2024-09-01 | $379,900 (0.8%) | $554,881 (-2.4%) | 0.89 | 16,735 |
2024-10-01 | $371,500 (-0.1%) | $542,967 (-3.5%) | 0.87 | 17,050 |
2024-11-01 | $359,900 (0.0%) | $530,896 (-3.6%) | 0.86 | 16,518 |
2024-12-01 | $347,450 (-0.7%) | $517,358 (-3.6%) | 0.86 | 13,880 |
2025-01-01 | $343,498 (-2.2%) | $519,117 (-5.6%) | 0.86 | 12,423 |
2025-02-01 | $349,450 (-2.9%) | $539,603 (-6.3%) | 0.85 | 11,960 |
2025-03-01 | $360,000 (-4.0%) | $549,178 (-7.9%) | 0.85 | 12,282 |
2025-04-01 | $372,450 (-4.4%) | $559,903 (-8.1%) | 0.00 | 12,919 |
Lake County's median listing price comes in at 0% of the national average.
Lake County's average listing price for 2025-04-01 was $559,903, a difference of $-49,626 (-8.1%) versus the prior year and $10,725 versus the prior month.
For the 2025-04-01 period, Lake County had 12,919 MLS listings, a difference of 637 listings (5%) versus the prior month and 1,326 listings (11%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Lake County (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 75 days | 1,898 sqft |
2018-02-01 | 54 days | 1,955 sqft |
2018-03-01 | 43 days | 2,000 sqft |
2018-04-01 | 40 days | 2,022 sqft |
2018-05-01 | 40 days | 2,027 sqft |
2018-06-01 | 42 days | 2,021 sqft |
2018-07-01 | 45 days | 2,000 sqft |
2018-08-01 | 47 days | 1,986 sqft |
2018-09-01 | 50 days | 1,971 sqft |
2018-10-01 | 51 days | 1,938 sqft |
2018-11-01 | 56 days | 1,904 sqft |
2018-12-01 | 67 days | 1,870 sqft |
2019-01-01 | 73 days | 1,866 sqft |
2019-02-01 | 55 days | 1,908 sqft |
2019-03-01 | 43 days | 1,966 sqft |
2019-04-01 | 39 days | 2,000 sqft |
2019-05-01 | 40 days | 2,000 sqft |
2019-06-01 | 43 days | 2,000 sqft |
2019-07-01 | 45 days | 2,000 sqft |
2019-08-01 | 48 days | 1,972 sqft |
2019-09-01 | 51 days | 1,941 sqft |
2019-10-01 | 54 days | 1,918 sqft |
2019-11-01 | 61 days | 1,900 sqft |
2019-12-01 | 74 days | 1,870 sqft |
2020-01-01 | 76 days | 1,863 sqft |
2020-02-01 | 45 days | 1,918 sqft |
2020-03-01 | 43 days | 1,959 sqft |
2020-04-01 | 52 days | 1,929 sqft |
2020-05-01 | 60 days | 1,950 sqft |
2020-06-01 | 45 days | 1,939 sqft |
2020-07-01 | 41 days | 1,906 sqft |
2020-08-01 | 40 days | 1,872 sqft |
2020-09-01 | 40 days | 1,807 sqft |
2020-10-01 | 44 days | 1,792 sqft |
2020-11-01 | 50 days | 1,731 sqft |
2020-12-01 | 59 days | 1,700 sqft |
2021-01-01 | 64 days | 1,682 sqft |
2021-02-01 | 45 days | 1,680 sqft |
2021-03-01 | 40 days | 1,676 sqft |
2021-04-01 | 33 days | 1,693 sqft |
2021-05-01 | 33 days | 1,702 sqft |
2021-06-01 | 32 days | 1,728 sqft |
2021-07-01 | 34 days | 1,728 sqft |
2021-08-01 | 36 days | 1,703 sqft |
2021-09-01 | 38 days | 1,690 sqft |
2021-10-01 | 40 days | 1,669 sqft |
2021-11-01 | 45 days | 1,641 sqft |
2021-12-01 | 53 days | 1,602 sqft |
2022-01-01 | 59 days | 1,600 sqft |
2022-02-01 | 39 days | 1,600 sqft |
2022-03-01 | 34 days | 1,620 sqft |
2022-04-01 | 31 days | 1,653 sqft |
2022-05-01 | 29 days | 1,700 sqft |
2022-06-01 | 30 days | 1,718 sqft |
2022-07-01 | 32 days | 1,728 sqft |
2022-08-01 | 36 days | 1,717 sqft |
2022-09-01 | 40 days | 1,703 sqft |
2022-10-01 | 40 days | 1,705 sqft |
2022-11-01 | 44 days | 1,702 sqft |
2022-12-01 | 54 days | 1,694 sqft |
2023-01-01 | 60 days | 1,700 sqft |
2023-02-01 | 44 days | 1,702 sqft |
2023-03-01 | 40 days | 1,743 sqft |
2023-04-01 | 38 days | 1,782 sqft |
2023-05-01 | 34 days | 1,800 sqft |
2023-06-01 | 35 days | 1,800 sqft |
2023-07-01 | 36 days | 1,813 sqft |
2023-08-01 | 36 days | 1,802 sqft |
2023-09-01 | 37 days | 1,800 sqft |
2023-10-01 | 37 days | 1,794 sqft |
2023-11-01 | 42 days | 1,779 sqft |
2023-12-01 | 51 days | 1,759 sqft |
2024-01-01 | 56 days | 1,759 sqft |
2024-02-01 | 40 days | 1,765 sqft |
2024-03-01 | 34 days | 1,800 sqft |
2024-04-01 | 34 days | 1,800 sqft |
2024-05-01 | 29 days | 1,840 sqft |
2024-06-01 | 32 days | 1,825 sqft |
2024-07-01 | 33 days | 1,824 sqft |
2024-08-01 | 36 days | 1,800 sqft |
2024-09-01 | 36 days | 1,794 sqft |
2024-10-01 | 37 days | 1,772 sqft |
2024-11-01 | 43 days | 1,750 sqft |
2024-12-01 | 51 days | 1,713 sqft |
2025-01-01 | 57 days | 1,698 sqft |
2025-02-01 | 43 days | 1,705 sqft |
2025-03-01 | 36 days | 1,711 sqft |
2025-04-01 | 0 days | 1,734 sqft |
Lake County's median square footage for active listings during the 2025-04-01 period was 1,734 sqft. One year prior, the average listing was 1,800 sqft.