Wauchula VA Loan Rates, Closing Costs & Stats

Wauchula, FL

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    • 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.

    Wauchula's 6 lenders originated 10 VA loans during 2023. The total origination value was $3,320,000, with an average VA loan value of $332,000.

    Wauchula VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Wauchula averaged 6.89% for the week of 2025-01-10, compared to the national average (all VA variants) of 6.482% for the same period.

    Wauchula's average VA mortgage closing costs are $6,296.

    The average rate for the prior week (2025-01-03) was 6.79% and one month ago for the week of 2024-12-06, the average rate was 6.52%.

    The average rate one year ago was 6.59%.

    For refis of the same type during the week of 2025-01-10, the average rate was 6.28%.

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

    Wauchula 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 Wauchula level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 3 6.17% $14,512
    Mortgage Research Center, LLC 1 7.13% $5,932
    NEW DAY FINANCIAL, LLC 1 7.38% $7,948
    PLANET HOME LENDING, LLC 1 6.75% $1,991
    QUICKEN LOANS, LLC 1 5.13% $40,169
    STOCKTON MORTGAGE CORPORATION 1 8.13% $10,933

    The top Wauchula VA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 3 VA loans originated. Their average total fees are $14,512, which is $8,581 higher than the next largest lender, Mortgage Research Center, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Wauchula (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 $179,550 (11.4%) $238,242 (-6.1%) 0.00 34
    2018-02-01 $187,950 (10.6%) $224,823 (-15.7%) 0.00 28
    2018-03-01 $178,500 (-0.4%) $202,934 (-29.0%) 0.00 26
    2018-04-01 $182,500 (4.0%) $228,826 (-16.8%) 0.00 29
    2018-05-01 $237,375 (31.2%) $279,737 (1.3%) 0.00 28
    2018-06-01 $225,000 (26.6%) $261,195 (1.5%) 0.00 37
    2018-07-01 $214,475 (38.0%) $255,641 (17.1%) 0.00 40
    2018-08-01 $235,950 (41.3%) $283,035 (27.5%) 0.00 37
    2018-09-01 $209,900 (24.4%) $272,369 (21.7%) 0.00 38
    2018-10-01 $194,950 (2.6%) $252,463 (0.2%) 0.00 38
    2018-11-01 $192,750 (-6.2%) $242,801 (-4.2%) 0.00 46
    2018-12-01 $204,950 (4.6%) $275,298 (7.7%) 0.00 47
    2019-01-01 $224,975 (25.3%) $282,970 (18.8%) 0.00 45
    2019-02-01 $224,925 (19.7%) $333,576 (48.4%) 0.00 47
    2019-03-01 $251,707 (41.0%) $376,387 (85.5%) 0.00 42
    2019-04-01 $244,207 (33.8%) $392,543 (71.6%) 0.00 40
    2019-05-01 $219,900 (-7.4%) $376,318 (34.5%) 0.00 35
    2019-06-01 $222,400 (-1.2%) $352,518 (35.0%) 0.00 34
    2019-07-01 $203,675 (-5.0%) $316,265 (23.7%) 0.00 38
    2019-08-01 $216,291 (-8.3%) $321,734 (13.7%) 0.00 39
    2019-09-01 $218,377 (4.0%) $326,091 (19.7%) 0.00 42
    2019-10-01 $219,518 (12.6%) $327,281 (29.6%) 0.00 43
    2019-11-01 $219,900 (14.1%) $321,366 (32.4%) 0.00 43
    2019-12-01 $210,925 (2.9%) $325,530 (18.3%) 0.00 38
    2020-01-01 $227,700 (1.2%) $335,810 (18.7%) 0.00 35
    2020-02-01 $207,000 (-8.0%) $320,053 (-4.1%) 0.00 27
    2020-03-01 $181,175 (-28.0%) $289,065 (-23.2%) 0.00 24
    2020-04-01 $178,650 (-26.8%) $239,948 (-38.9%) 0.00 18
    2020-05-01 $199,000 (-9.5%) $245,576 (-34.7%) 0.00 21
    2020-06-01 $213,700 (-3.9%) $285,120 (-19.1%) 0.00 19
    2020-07-01 $219,700 (7.9%) $292,756 (-7.4%) 0.00 15
    2020-08-01 $249,500 (15.4%) $332,400 (3.3%) 0.00 11
    2020-09-01 $202,100 (-7.5%) $265,931 (-18.5%) 0.00 15
    2020-10-01 $194,450 (-11.4%) $264,147 (-19.3%) 0.00 18
    2020-11-01 $162,400 (-26.2%) $308,100 (-4.1%) 0.00 20
    2020-12-01 $180,925 (-14.2%) $302,989 (-6.9%) 0.00 22
    2021-01-01 $199,450 (-12.4%) $313,600 (-6.6%) 0.00 22
    2021-02-01 $191,700 (-7.4%) $320,160 (0.0%) 0.00 17
    2021-03-01 $253,950 (40.2%) $346,606 (19.9%) 0.00 15
    2021-04-01 $264,500 (48.1%) $423,673 (76.6%) 0.00 13
    2021-05-01 $292,250 (46.9%) $436,248 (77.6%) 0.00 16
    2021-06-01 $394,975 (84.8%) $451,906 (58.5%) 0.00 18
    2021-07-01 $412,500 (87.8%) $454,767 (55.3%) 0.00 20
    2021-08-01 $410,000 (64.3%) $445,644 (34.1%) 0.00 22
    2021-09-01 $442,500 (119.0%) $517,285 (94.5%) 0.00 21
    2021-10-01 $419,250 (115.6%) $500,671 (89.5%) 0.00 22
    2021-11-01 $412,125 (153.8%) $472,397 (53.3%) 0.00 19
    2021-12-01 $393,750 (117.6%) $491,081 (62.1%) 0.00 19
    2022-01-01 $395,000 (98.0%) $474,058 (51.2%) 0.00 17
    2022-02-01 $416,250 (117.1%) $533,818 (66.7%) 0.00 19
    2022-03-01 $435,000 (71.3%) $564,486 (62.9%) 0.00 19
    2022-04-01 $420,000 (58.8%) $538,389 (27.1%) 0.00 19
    2022-05-01 $401,250 (37.3%) $601,812 (38.0%) 0.00 20
    2022-06-01 $399,975 (1.3%) $554,126 (22.6%) 0.00 24
    2022-07-01 $280,000 (-32.1%) $418,605 (-8.0%) 0.00 42
    2022-08-01 $287,000 (-30.0%) $425,196 (-4.6%) 0.00 37
    2022-09-01 $298,825 (-32.5%) $434,548 (-16.0%) 0.00 33
    2022-10-01 $309,000 (-26.3%) $431,683 (-13.8%) 0.00 33
    2022-11-01 $294,750 (-28.5%) $461,736 (-2.3%) 0.00 30
    2022-12-01 $287,950 (-26.9%) $405,488 (-17.4%) 0.00 28
    2023-01-01 $302,425 (-23.4%) $424,220 (-10.5%) 0.00 32
    2023-02-01 $358,750 (-13.8%) $488,346 (-8.5%) 0.00 27
    2023-03-01 $308,675 (-29.0%) $494,969 (-12.3%) 0.00 25
    2023-04-01 $380,000 (-9.5%) $483,119 (-10.3%) 0.00 28
    2023-05-01 $344,950 (-14.0%) $451,121 (-25.0%) 0.00 27
    2023-06-01 $344,750 (-13.8%) $436,642 (-21.2%) 0.00 28
    2023-07-01 $352,500 (25.9%) $397,147 (-5.1%) 0.00 31
    2023-08-01 $327,750 (14.2%) $383,433 (-9.8%) 0.00 30
    2023-09-01 $399,900 (33.8%) $420,336 (-3.3%) 0.00 30
    2023-10-01 $312,400 (1.1%) $397,108 (-8.0%) 0.00 35
    2023-11-01 $326,175 (10.7%) $471,218 (2.1%) 0.00 37
    2023-12-01 $349,950 (21.5%) $475,520 (17.3%) 0.00 37
    2024-01-01 $398,425 (31.7%) $502,667 (18.5%) 0.00 35
    2024-02-01 $404,900 (12.9%) $454,796 (-6.9%) 0.00 35
    2024-03-01 $369,900 (19.8%) $421,886 (-14.8%) 0.00 35
    2024-04-01 $333,975 (-12.1%) $489,809 (1.4%) 0.00 45
    2024-05-01 $345,475 (0.2%) $510,018 (13.1%) 0.00 50
    2024-06-01 $399,900 (16.0%) $539,748 (23.6%) 0.00 45
    2024-07-01 $367,400 (4.2%) $529,665 (33.4%) 0.00 49
    2024-08-01 $388,500 (18.5%) $499,591 (30.3%) 0.00 47
    2024-09-01 $323,475 (-19.1%) $444,426 (5.7%) 0.00 44
    2024-10-01 $324,500 (3.9%) $436,289 (9.9%) 0.00 47
    2024-11-01 $329,900 (1.1%) $435,917 (-7.5%) 0.00 51
    2024-12-01 $312,500 (-10.7%) $434,253 (-8.7%) 0.00 52
    Wauchula's median listing price for 2024-12-01 was $312,500, a difference of $-37,450 (-10.7%) versus the prior year and $-17,400 versus the prior month.

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

    Wauchula's average listing price for 2024-12-01 was $434,253, a difference of $-41,267 (-8.7%) versus the prior year and $-1,664 versus the prior month.

    For the 2024-12-01 period, Wauchula had 52 MLS listings, a difference of 1 listings (2%) versus the prior month and 15 listings (41%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Wauchula (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 0 sqft
    2018-02-01 0 days 0 sqft
    2018-03-01 0 days 0 sqft
    2018-04-01 0 days 0 sqft
    2018-05-01 0 days 0 sqft
    2018-06-01 0 days 0 sqft
    2018-07-01 0 days 0 sqft
    2018-08-01 0 days 0 sqft
    2018-09-01 0 days 0 sqft
    2018-10-01 0 days 0 sqft
    2018-11-01 0 days 0 sqft
    2018-12-01 0 days 0 sqft
    2019-01-01 0 days 0 sqft
    2019-02-01 0 days 0 sqft
    2019-03-01 0 days 0 sqft
    2019-04-01 0 days 0 sqft
    2019-05-01 0 days 0 sqft
    2019-06-01 0 days 0 sqft
    2019-07-01 0 days 0 sqft
    2019-08-01 0 days 0 sqft
    2019-09-01 0 days 0 sqft
    2019-10-01 0 days 0 sqft
    2019-11-01 0 days 0 sqft
    2019-12-01 0 days 0 sqft
    2020-01-01 0 days 0 sqft
    2020-02-01 0 days 0 sqft
    2020-03-01 0 days 0 sqft
    2020-04-01 0 days 0 sqft
    2020-05-01 0 days 0 sqft
    2020-06-01 0 days 0 sqft
    2020-07-01 0 days 0 sqft
    2020-08-01 0 days 0 sqft
    2020-09-01 0 days 0 sqft
    2020-10-01 0 days 0 sqft
    2020-11-01 0 days 0 sqft
    2020-12-01 0 days 0 sqft
    2021-01-01 0 days 0 sqft
    2021-02-01 0 days 0 sqft
    2021-03-01 0 days 0 sqft
    2021-04-01 0 days 0 sqft
    2021-05-01 0 days 0 sqft
    2021-06-01 0 days 0 sqft
    2021-07-01 0 days 0 sqft
    2021-08-01 0 days 0 sqft
    2021-09-01 0 days 0 sqft
    2021-10-01 0 days 0 sqft
    2021-11-01 0 days 0 sqft
    2021-12-01 0 days 0 sqft
    2022-01-01 0 days 0 sqft
    2022-02-01 0 days 0 sqft
    2022-03-01 0 days 0 sqft
    2022-04-01 0 days 0 sqft
    2022-05-01 0 days 0 sqft
    2022-06-01 0 days 0 sqft
    2022-07-01 0 days 0 sqft
    2022-08-01 0 days 0 sqft
    2022-09-01 0 days 0 sqft
    2022-10-01 0 days 0 sqft
    2022-11-01 0 days 0 sqft
    2022-12-01 0 days 0 sqft
    2023-01-01 0 days 0 sqft
    2023-02-01 0 days 0 sqft
    2023-03-01 0 days 0 sqft
    2023-04-01 0 days 0 sqft
    2023-05-01 0 days 0 sqft
    2023-06-01 0 days 0 sqft
    2023-07-01 0 days 0 sqft
    2023-08-01 0 days 0 sqft
    2023-09-01 0 days 0 sqft
    2023-10-01 0 days 0 sqft
    2023-11-01 0 days 0 sqft
    2023-12-01 0 days 0 sqft
    2024-01-01 0 days 0 sqft
    2024-02-01 0 days 0 sqft
    2024-03-01 0 days 0 sqft
    2024-04-01 0 days 0 sqft
    2024-05-01 0 days 0 sqft
    2024-06-01 0 days 0 sqft
    2024-07-01 0 days 0 sqft
    2024-08-01 0 days 0 sqft
    2024-09-01 0 days 0 sqft
    2024-10-01 0 days 0 sqft
    2024-11-01 0 days 0 sqft
    2024-12-01 0 days 0 sqft
    Wauchula's median listing age (time on market) for 2024-12-01 was 0 days.

    Wauchula's median square footage for active listings during the 2024-12-01 period was 0 sqft. One year prior, the average listing was 0 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.