Pittsfield VA Loan Rates, Closing Costs & Stats
PITTSFIELD, 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.
Pittsfield's 17 lenders originated 62 VA loans during 2024. The total origination value was $18,440,000, with an average VA loan value of $297,419.
Pittsfield VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Pittsfield
averaged
6.69%
for the week of 2025-04-04, compared to the national average (all VA variants) of
6.06% for the same period.
Pittsfield's average VA mortgage closing costs are $5,740.
The average rate for the prior week (2025-03-28) was
6.81% and
one month ago for the week of 2025-02-28, the
average rate was 6.79%.
The average rate one year ago was 6.79%.
For refis of the same type during the week of 2025-04-04, the average rate
was 6.53%.
Pittsfield 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 Pittsfield level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| Mortgage Research Center, LLC | 20 | 6.46% | $7,100 |
| QUICKEN LOANS, LLC | 9 | 6.06% | $8,451 |
| GUILD MORTGAGE COMPANY | 5 | 6.53% | $9,302 |
| USAA Federal Savings Bank | 4 | 6.16% | $5,464 |
| PENNYMAC LOAN SERVICES, LLC | 3 | 6.04% | $4,320 |
| NEWREZ LLC | 3 | 5.82% | $6,011 |
| NAVY FEDERAL CREDIT UNION | 3 | 6.25% | $5,352 |
| Adams Community Bank | 2 | 6.75% | $8,574 |
| FREEDOM MORTGAGE CORPORATION | 2 | 6.31% | $12,937 |
| Magnolia Bank | 2 | 6.25% | $14,691 |
| UNITED WHOLESALE MORTGAGE, LLC | 2 | 5.62% | $4,880 |
| JPMorgan Chase Bank | 1 | 5.75% | $877 |
| Texana Bank | 1 | 6.38% | $18,524 |
| TOP FLITE FINANCIAL, INC. | 1 | 7.13% | $18,207 |
| VILLAGE CAPITAL MORTGAGE | 1 | 6.25% | $1,382 |
| CMG MORTGAGE, INC. | 1 | 6.63% | $6,204 |
| Mr. Cooper ( Nationstar Mortgage ) | 1 | 6.25% | $11,939 |
The top Pittsfield VA lender as defined by loan originations is Mortgage Research Center, LLC, with
20 VA loans originated. Their average total fees are
$7,100, which is $1,350
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Pittsfield VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC ($7,100), .
The lowest rate Pittsfield VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC (6.46%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Pittsfield (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 | $352,250 (17.5%) | $526,672 (-4.8%) | 1.31 | 854 |
| 2018-02-01 | $364,450 (12.1%) | $527,727 (-9.0%) | 1.32 | 850 |
| 2018-03-01 | $379,250 (13.2%) | $554,002 (-6.7%) | 1.33 | 844 |
| 2018-04-01 | $389,125 (12.3%) | $564,965 (-3.4%) | 1.32 | 884 |
| 2018-05-01 | $396,500 (13.5%) | $562,723 (-2.1%) | 1.32 | 946 |
| 2018-06-01 | $379,000 (7.7%) | $551,844 (-3.7%) | 1.26 | 1,037 |
| 2018-07-01 | $369,000 (5.4%) | $534,923 (-5.5%) | 1.23 | 1,119 |
| 2018-08-01 | $366,500 (4.7%) | $532,574 (-4.2%) | 1.23 | 1,144 |
| 2018-09-01 | $359,000 (2.6%) | $528,740 (-4.0%) | 1.21 | 1,138 |
| 2018-10-01 | $357,000 (2.0%) | $549,234 (0.9%) | 1.21 | 1,128 |
| 2018-11-01 | $369,450 (-1.4%) | $573,651 (5.2%) | 1.25 | 1,029 |
| 2018-12-01 | $374,900 (1.6%) | $582,366 (8.7%) | 1.29 | 943 |
| 2019-01-01 | $361,000 (2.5%) | $588,845 (11.8%) | 1.25 | 827 |
| 2019-02-01 | $370,225 (1.6%) | $600,562 (13.8%) | 1.25 | 805 |
| 2019-03-01 | $374,943 (-1.1%) | $606,219 (9.4%) | 1.23 | 809 |
| 2019-04-01 | $374,993 (-3.6%) | $601,617 (6.5%) | 1.19 | 853 |
| 2019-05-01 | $369,000 (-6.9%) | $600,885 (6.8%) | 1.15 | 936 |
| 2019-06-01 | $369,000 (-2.6%) | $579,866 (5.1%) | 1.15 | 1,051 |
| 2019-07-01 | $372,175 (0.9%) | $576,932 (7.9%) | 1.17 | 1,113 |
| 2019-08-01 | $373,364 (1.9%) | $578,296 (8.6%) | 1.18 | 1,091 |
| 2019-09-01 | $370,909 (3.3%) | $575,053 (8.8%) | 1.19 | 1,051 |
| 2019-10-01 | $369,000 (3.4%) | $574,532 (4.6%) | 1.19 | 1,011 |
| 2019-11-01 | $369,250 (-0.1%) | $602,672 (5.1%) | 1.21 | 923 |
| 2019-12-01 | $383,450 (2.3%) | $694,079 (19.2%) | 1.28 | 777 |
| 2020-01-01 | $391,500 (8.5%) | $713,809 (21.2%) | 1.31 | 668 |
| 2020-02-01 | $389,000 (5.1%) | $724,616 (20.7%) | 1.27 | 645 |
| 2020-03-01 | $399,450 (6.5%) | $724,527 (19.5%) | 1.25 | 677 |
| 2020-04-01 | $404,113 (7.8%) | $737,263 (22.6%) | 1.27 | 671 |
| 2020-05-01 | $425,000 (15.2%) | $736,884 (22.6%) | 1.29 | 708 |
| 2020-06-01 | $449,725 (21.9%) | $752,378 (29.8%) | 1.32 | 704 |
| 2020-07-01 | $430,000 (15.5%) | $763,395 (32.3%) | 1.25 | 653 |
| 2020-08-01 | $449,000 (20.3%) | $785,575 (35.8%) | 1.29 | 613 |
| 2020-09-01 | $454,500 (22.5%) | $784,607 (36.4%) | 1.30 | 590 |
| 2020-10-01 | $449,000 (21.7%) | $839,892 (46.2%) | 1.29 | 545 |
| 2020-11-01 | $422,000 (14.3%) | $936,397 (55.4%) | 1.23 | 477 |
| 2020-12-01 | $409,500 (6.8%) | $952,918 (37.3%) | 1.22 | 420 |
| 2021-01-01 | $432,500 (10.5%) | $1,025,096 (43.6%) | 1.29 | 334 |
| 2021-02-01 | $501,875 (29.0%) | $948,451 (30.9%) | 1.46 | 271 |
| 2021-03-01 | $529,000 (32.4%) | $995,601 (37.4%) | 1.50 | 242 |
| 2021-04-01 | $525,000 (29.9%) | $1,026,983 (39.3%) | 1.42 | 251 |
| 2021-05-01 | $499,450 (17.5%) | $988,820 (34.2%) | 1.33 | 294 |
| 2021-06-01 | $475,000 (5.6%) | $951,161 (26.4%) | 1.25 | 360 |
| 2021-07-01 | $472,450 (9.9%) | $942,275 (23.4%) | 1.25 | 400 |
| 2021-08-01 | $487,000 (8.5%) | $890,220 (13.3%) | 1.30 | 437 |
| 2021-09-01 | $475,000 (4.5%) | $905,162 (15.4%) | 1.27 | 447 |
| 2021-10-01 | $449,000 (0.0%) | $831,550 (-1.0%) | 1.20 | 431 |
| 2021-11-01 | $426,175 (1.0%) | $822,829 (-12.1%) | 1.14 | 377 |
| 2021-12-01 | $422,475 (3.2%) | $831,083 (-12.8%) | 1.14 | 302 |
| 2022-01-01 | $432,000 (-0.1%) | $910,176 (-11.2%) | 1.17 | 243 |
| 2022-02-01 | $439,225 (-12.5%) | $977,742 (3.1%) | 1.14 | 201 |
| 2022-03-01 | $449,900 (-15.0%) | $1,011,135 (1.6%) | 1.13 | 195 |
| 2022-04-01 | $425,000 (-19.1%) | $998,477 (-2.8%) | 1.01 | 199 |
| 2022-05-01 | $447,225 (-10.5%) | $881,658 (-10.8%) | 1.02 | 244 |
| 2022-06-01 | $461,250 (-2.9%) | $915,448 (-3.8%) | 1.03 | 281 |
| 2022-07-01 | $449,450 (-4.9%) | $877,778 (-6.8%) | 1.01 | 350 |
| 2022-08-01 | $458,225 (-5.9%) | $927,374 (4.2%) | 1.06 | 336 |
| 2022-09-01 | $439,500 (-7.5%) | $936,813 (3.5%) | 1.03 | 349 |
| 2022-10-01 | $449,000 (0.0%) | $904,402 (8.8%) | 1.06 | 348 |
| 2022-11-01 | $447,000 (4.9%) | $930,557 (13.1%) | 1.07 | 300 |
| 2022-12-01 | $447,000 (5.8%) | $963,607 (16.0%) | 1.10 | 255 |
| 2023-01-01 | $470,725 (9.0%) | $1,059,000 (16.4%) | 1.17 | 213 |
| 2023-02-01 | $476,675 (8.5%) | $1,159,235 (18.6%) | 1.15 | 205 |
| 2023-03-01 | $509,500 (13.3%) | $1,121,234 (10.9%) | 1.20 | 203 |
| 2023-04-01 | $485,000 (14.1%) | $932,455 (-6.6%) | 1.13 | 249 |
| 2023-05-01 | $507,450 (13.5%) | $1,022,174 (15.9%) | 1.15 | 269 |
| 2023-06-01 | $496,000 (7.5%) | $1,004,764 (9.8%) | 1.11 | 308 |
| 2023-07-01 | $525,000 (16.8%) | $1,036,142 (18.0%) | 1.19 | 337 |
| 2023-08-01 | $519,675 (13.4%) | $1,011,323 (9.1%) | 1.19 | 365 |
| 2023-09-01 | $522,450 (18.9%) | $992,913 (6.0%) | 1.22 | 365 |
| 2023-10-01 | $522,000 (16.3%) | $964,990 (6.7%) | 1.23 | 356 |
| 2023-11-01 | $524,975 (17.4%) | $952,578 (2.4%) | 1.25 | 355 |
| 2023-12-01 | $482,000 (7.8%) | $940,243 (-2.4%) | 1.18 | 330 |
| 2024-01-01 | $450,000 (-4.4%) | $937,190 (-11.5%) | 1.10 | 270 |
| 2024-02-01 | $469,975 (-1.4%) | $981,238 (-15.4%) | 1.13 | 251 |
| 2024-03-01 | $499,000 (-2.1%) | $1,030,653 (-8.1%) | 1.17 | 244 |
| 2024-04-01 | $542,500 (11.9%) | $1,082,465 (16.1%) | 1.26 | 257 |
| 2024-05-01 | $597,000 (17.7%) | $1,204,582 (17.9%) | 1.35 | 280 |
| 2024-06-01 | $595,000 (20.0%) | $1,157,085 (15.2%) | 1.35 | 333 |
| 2024-07-01 | $563,500 (7.3%) | $1,081,031 (4.3%) | 1.29 | 403 |
| 2024-08-01 | $542,000 (4.3%) | $1,021,541 (1.0%) | 1.26 | 429 |
| 2024-09-01 | $549,000 (5.1%) | $1,010,420 (1.8%) | 1.29 | 453 |
| 2024-10-01 | $537,475 (3.0%) | $957,471 (-0.8%) | 1.26 | 476 |
| 2024-11-01 | $525,000 (0.0%) | $912,362 (-4.2%) | 1.26 | 457 |
| 2024-12-01 | $499,999 (3.7%) | $912,504 (-3.0%) | 1.24 | 371 |
| 2025-01-01 | $499,925 (11.1%) | $926,370 (-1.2%) | 0.00 | 321 |
| 2025-02-01 | $510,000 (8.5%) | $926,039 (-5.6%) | 0.00 | 284 |
| 2025-03-01 | $545,000 (9.2%) | $929,095 (-9.9%) | 0.00 | 278 |
Pittsfield's median listing price comes in at 0% of the national average.
Pittsfield's average listing price for 2025-03-01 was $929,095, a difference of $-101,558 (-9.9%) versus the prior year and $3,056 versus the prior month.
For the 2025-03-01 period, Pittsfield had 278 MLS listings, a difference of -6 listings (-2%) versus the prior month and 34 listings (14%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Pittsfield (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 128 days | 2,035 sqft |
| 2018-02-01 | 134 days | 2,026 sqft |
| 2018-03-01 | 134 days | 2,039 sqft |
| 2018-04-01 | 119 days | 2,059 sqft |
| 2018-05-01 | 84 days | 2,059 sqft |
| 2018-06-01 | 68 days | 2,006 sqft |
| 2018-07-01 | 66 days | 2,000 sqft |
| 2018-08-01 | 73 days | 2,022 sqft |
| 2018-09-01 | 84 days | 1,993 sqft |
| 2018-10-01 | 93 days | 1,973 sqft |
| 2018-11-01 | 104 days | 2,035 sqft |
| 2018-12-01 | 115 days | 2,043 sqft |
| 2019-01-01 | 119 days | 1,990 sqft |
| 2019-02-01 | 128 days | 2,003 sqft |
| 2019-03-01 | 118 days | 2,009 sqft |
| 2019-04-01 | 97 days | 2,004 sqft |
| 2019-05-01 | 72 days | 2,014 sqft |
| 2019-06-01 | 67 days | 2,003 sqft |
| 2019-07-01 | 72 days | 2,001 sqft |
| 2019-08-01 | 80 days | 2,007 sqft |
| 2019-09-01 | 89 days | 1,993 sqft |
| 2019-10-01 | 97 days | 1,979 sqft |
| 2019-11-01 | 101 days | 2,001 sqft |
| 2019-12-01 | 112 days | 2,023 sqft |
| 2020-01-01 | 122 days | 2,021 sqft |
| 2020-02-01 | 130 days | 2,016 sqft |
| 2020-03-01 | 118 days | 2,106 sqft |
| 2020-04-01 | 107 days | 2,127 sqft |
| 2020-05-01 | 95 days | 2,136 sqft |
| 2020-06-01 | 86 days | 2,126 sqft |
| 2020-07-01 | 59 days | 2,086 sqft |
| 2020-08-01 | 58 days | 2,080 sqft |
| 2020-09-01 | 50 days | 2,049 sqft |
| 2020-10-01 | 57 days | 2,078 sqft |
| 2020-11-01 | 71 days | 2,030 sqft |
| 2020-12-01 | 86 days | 2,013 sqft |
| 2021-01-01 | 98 days | 2,050 sqft |
| 2021-02-01 | 101 days | 2,210 sqft |
| 2021-03-01 | 72 days | 2,221 sqft |
| 2021-04-01 | 38 days | 2,183 sqft |
| 2021-05-01 | 36 days | 2,152 sqft |
| 2021-06-01 | 37 days | 2,138 sqft |
| 2021-07-01 | 41 days | 2,147 sqft |
| 2021-08-01 | 46 days | 2,105 sqft |
| 2021-09-01 | 51 days | 2,102 sqft |
| 2021-10-01 | 61 days | 1,992 sqft |
| 2021-11-01 | 69 days | 1,921 sqft |
| 2021-12-01 | 79 days | 1,846 sqft |
| 2022-01-01 | 103 days | 1,855 sqft |
| 2022-02-01 | 95 days | 1,865 sqft |
| 2022-03-01 | 64 days | 1,882 sqft |
| 2022-04-01 | 40 days | 1,842 sqft |
| 2022-05-01 | 35 days | 1,899 sqft |
| 2022-06-01 | 34 days | 1,897 sqft |
| 2022-07-01 | 38 days | 1,844 sqft |
| 2022-08-01 | 49 days | 1,905 sqft |
| 2022-09-01 | 53 days | 1,805 sqft |
| 2022-10-01 | 61 days | 1,843 sqft |
| 2022-11-01 | 70 days | 1,882 sqft |
| 2022-12-01 | 82 days | 1,906 sqft |
| 2023-01-01 | 98 days | 1,908 sqft |
| 2023-02-01 | 95 days | 1,875 sqft |
| 2023-03-01 | 72 days | 1,895 sqft |
| 2023-04-01 | 44 days | 1,932 sqft |
| 2023-05-01 | 45 days | 2,016 sqft |
| 2023-06-01 | 42 days | 1,966 sqft |
| 2023-07-01 | 46 days | 1,997 sqft |
| 2023-08-01 | 50 days | 1,985 sqft |
| 2023-09-01 | 53 days | 1,935 sqft |
| 2023-10-01 | 68 days | 1,927 sqft |
| 2023-11-01 | 68 days | 1,885 sqft |
| 2023-12-01 | 73 days | 1,891 sqft |
| 2024-01-01 | 87 days | 1,849 sqft |
| 2024-02-01 | 92 days | 1,867 sqft |
| 2024-03-01 | 74 days | 1,863 sqft |
| 2024-04-01 | 62 days | 1,885 sqft |
| 2024-05-01 | 45 days | 1,981 sqft |
| 2024-06-01 | 37 days | 2,048 sqft |
| 2024-07-01 | 46 days | 2,012 sqft |
| 2024-08-01 | 54 days | 1,966 sqft |
| 2024-09-01 | 58 days | 2,005 sqft |
| 2024-10-01 | 63 days | 2,004 sqft |
| 2024-11-01 | 71 days | 1,960 sqft |
| 2024-12-01 | 88 days | 1,930 sqft |
| 2025-01-01 | 0 days | 1,873 sqft |
| 2025-02-01 | 0 days | 1,985 sqft |
| 2025-03-01 | 0 days | 2,008 sqft |
Pittsfield's median square footage for active listings during the 2025-03-01 period was 2,008 sqft. One year prior, the average listing was 1,863 sqft.