CAPE GIRARDEAU Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Cape Girardeau averaged 7.25% for the week of 2024-04-18, compared to the national average of 7.1% for the same period.

    The average rate for the prior week (2024-04-11) was 6.93% and one month ago for the week of 2024-03-14, the average rate was 6.89%.

    Cape Girardeau's average rate one year ago was 6.42%.

    For refis of the same type during the week of 2024-04-18, the average rate was 7.5%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-18 7.1%
    Cape Girardeau 30 Year Fixed Rate 2024-04-18 7.25%
    Cape Girardeau 30 Year Fixed Rate Refi 2024-04-18 7.5%
    Cape Girardeau 15 Year Fixed Rate 2024-04-18 6.59%
    Cape Girardeau 15 Year Fixed Rate Refi 2024-04-18 6.49%
    Cape Girardeau 30 Year FHA 2024-04-18 7.22%
    Cape Girardeau 30 Year FHA Refi 2024-04-18 6.96%
    Cape Girardeau 30 Year USDA 2024-04-18 6.96%
    Cape Girardeau 30 Year USDA Refi 2024-04-18 6.86%
    Cape Girardeau 30 Year VA 2024-04-18 6.85%
    Cape Girardeau 30 Year VA Refi 2024-04-18 6.96%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within CAPE GIRARDEAU, MO-IL.

    CAPE GIRARDEAU Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the CAPE GIRARDEAU, MO-IL market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    First State Community Bank 66 6.51% $2,790
    The Bank of Missouri 62 6.56% $2,704
    DAS Acquisition Company, LLC 38 6.86% $3,480
    U.S. Bank 32 6.85% $3,177
    FLAT BRANCH MORTGAGE, INC. 32 7.04% $3,094
    Southern Bank 29 7.15% $2,094
    Truist 26 6.34% $2,758
    QUICKEN LOANS, LLC 22 7.00% $5,983
    GUARANTEED RATE, INC. 16 6.52% $3,578
    Banterra Bank 15 6.75% $2,563
    GERSHMAN INVESTMENT CORP. 13 7.13% $4,162
    UNITED WHOLESALE MORTGAGE, LLC 11 7.02% $5,007
    Regions Bank 10 7.26% $2,915
    Flagstar Bank, FSB 10 7.21% $3,710
    Gateway First Bank 8 6.73% $3,057
    DELMAR FINANCIAL COMPANY 7 6.93% $3,055
    MOVEMENT MORTGAGE, LLC 6 6.64% $4,895
    Farm Credit Mid-America, ACA 6 7.15% $9,100
    Commerce Bank 5 6.33% $2,640
    NEWREZ LLC 4 6.56% $2,716
    PLANET HOME LENDING, LLC 4 6.28% $3,406
    Wells Fargo Bank 3 6.71% $5,378
    BROKER SOLUTIONS, INC. 3 7.08% $3,802
    The Central Trust Bank 3 6.75% $3,388
    Carrington Mortgage Services, LLC 3 6.83% $6,101
    JPMorgan Chase Bank 2 6.75% $0
    FIRST COMMUNITY 2 5.50% $1,653
    First State Bank of St. Charles, Missouri 2 6.75% $2,980
    Flanagan State Bank 2 6.69% $5,989
    GENEVA FINANCIAL, LLC 2 6.69% $3,993
    GUILD MORTGAGE COMPANY 2 7.44% $3,883
    Mr. Cooper ( Nationstar Mortgage ) 2 7.18% $10,266
    Prosperity Home Mortgage, LLC 2 6.50% $3,124
    SCOTT CREDIT UNION 2 6.81% $3,426
    The Huntington National Bank 2 6.94% $6,140
    ALLIANCE CREDIT UNION 1 6.75% $4,992
    LEADERONE FINANCIAL CORPORATION 1 5.63% $3,598
    LOANDEPOT.COM, LLC 1 6.63% $7,240
    Magnolia Bank 1 6.88% $2,404
    Morgan Stanley Private Bank 1 6.35% $3,060
    Mortgage Research Center, LLC 1 6.75% $1,128
    First Horizon Bank 1 7.00% $2,689
    AMERISAVE MORTGAGE CORPORATION 1 6.88% $7,854
    MUTUAL OF OMAHA MORTGAGE, INC. 1 7.25% $3,782
    Nations Lending Corporation 1 7.50% $2,039
    NATIONWIDE MORTGAGE BANKERS, INC. 1 7.13% $3,306
    NAVY FEDERAL CREDIT UNION 1 7.63% $2,255
    NBKC BANK 1 6.95% $2,398
    First Bank 1 7.63% $3,319
    NP, Inc. 1 6.38% $3,363
    OPEN MORTGAGE, LLC 1 7.13% $4,432
    PENNYMAC LOAN SERVICES, LLC 1 8.37% $10,695
    PENTAGON FEDERAL CREDIT UNION 1 5.50% $5,355
    Peoples National Bank , N.A. 1 6.63% $2,752
    EVERETT FINANCIAL, INC. 1 6.99% $3,304
    PNC Bank 1 7.38% $3,920
    PREMIA MORTGAGE, LLC 1 6.50% $0
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 7.63% $3,928
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 7.63% $3,207
    ENDEAVOR CAPITAL, LLC. 1 6.50% $3,767
    ELECTRO SAVINGS CREDIT UNION 1 6.63% $3,644
    AMERICAN FINANCING CORPORATION 1 5.99% $6,870
    Citibank 1 7.13% $3,532
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.38% $2,811
    BancorpSouth 1 7.00% $10,946
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.99% $3,471
    Great Southern Bank 1 7.25% $14,676
    GUARANTEED RATE AFFINITY, LLC 1 6.25% $3,973
    First Mid Bank & Trust 1 6.25% $2,602
    GUIDANCE RESIDENTIAL, LLC 1 7.13% $4,092
    Ally Bank 1 7.13% $4,137

    CAPE GIRARDEAU Average Closing Costs & Other Stats

    CAPE GIRARDEAU, MO-IL's 71 lenders originated 1,671 loans during 2023. The total origination value was $312,695,000, with an average loan value of $187,130.

    CAPE GIRARDEAU's average closing costs are $3,676.

    The top CAPE GIRARDEAU lender as defined by loan originations is First State Community Bank, with 66 loans originated. Their average total fees are $2,790, which is $86 higher than the next largest lender, The Bank of Missouri.

    The lowest fee CAPE GIRARDEAU lenders (with over 10 loans originated) are Southern Bank ($2,094), Banterra Bank ($2,563), The Bank of Missouri ($2,704), Truist ($2,758) and First State Community Bank ($2,790).

    The lowest rate CAPE GIRARDEAU lenders (with over 10 loans originated) are Truist (6.34%), First State Community Bank (6.51%), GUARANTEED RATE, INC. (6.52%), The Bank of Missouri (6.56%) and Banterra Bank (6.75%).

    CAPE GIRARDEAU, MO-IL Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    First State Community Bank $24,735,000 $27,255,000 10.2% 8.7%
    The Bank of Missouri $44,895,000 $25,135,000 -44.0% 8.0%
    DAS Acquisition Company, LLC $24,520,000 $16,840,000 -31.3% 5.4%
    Southern Bank $18,815,000 $16,180,000 -14.0% 5.2%
    Montgomery Bank $18,700,000 $15,265,000 -18.4% 4.9%
    FLAT BRANCH MORTGAGE, INC. $16,320,000 $14,410,000 -11.7% 4.6%
    Alliance Bank $21,205,000 $12,545,000 -40.8% 4.0%
    Mortgage Research Center, LLC $10,885,000 $11,205,000 2.9% 3.6%
    U.S. Bank $16,090,000 $9,365,000 -41.8% 3.0%
    First Midwest Bank of Dexter $10,500,000 $9,025,000 -14.0% 2.9%
    Wood & Huston Bank $16,175,000 $8,860,000 -45.2% 2.8%
    MRV Banks $7,715,000 n/a 2.5%
    QUICKEN LOANS, LLC $13,755,000 $7,465,000 -45.7% 2.4%
    Truist $5,145,000 $7,355,000 43.0% 2.4%
    GERSHMAN INVESTMENT CORP. $5,790,000 $6,580,000 13.6% 2.1%
    Banterra Bank $6,455,000 $6,435,000 -0.3% 2.1%
    Commerce Bank $6,130,000 $5,375,000 -12.3% 1.7%
    Regions Bank $7,710,000 $5,340,000 -30.7% 1.7%
    Flagstar Bank, FSB $7,195,000 $5,065,000 -29.6% 1.6%
    GUARANTEED RATE, INC. $8,440,000 $4,470,000 -47.0% 1.4%
    UNITED WHOLESALE MORTGAGE, LLC $6,380,000 $4,290,000 -32.8% 1.4%
    Farm Credit Mid-America, ACA $260,000 $3,685,000 1,317.3% 1.2%
    Gateway First Bank $3,020,000 n/a 1.0%
    DELMAR FINANCIAL COMPANY $7,285,000 $2,670,000 -63.3% 0.9%
    NAVY FEDERAL CREDIT UNION $1,575,000 $2,220,000 41.0% 0.7%
    FIRST TECHNOLOGY $2,105,000 n/a 0.7%
    MOVEMENT MORTGAGE, LLC $4,030,000 $2,055,000 -49.0% 0.7%
    GUILD MORTGAGE COMPANY $4,935,000 $1,925,000 -61.0% 0.6%
    Peoples Community Bank $1,630,000 $1,890,000 16.0% 0.6%
    PLANET HOME LENDING, LLC $6,390,000 $1,760,000 -72.5% 0.6%
    Flanagan State Bank $315,000 $1,745,000 454.0% 0.6%
    BROKER SOLUTIONS, INC. $1,165,000 $1,725,000 48.1% 0.6%
    GENEVA FINANCIAL, LLC $1,235,000 $1,625,000 31.6% 0.5%
    NP, Inc. $1,465,000 $1,625,000 10.9% 0.5%
    The Huntington National Bank $135,000 $1,530,000 1,033.3% 0.5%
    USAA Federal Savings Bank $1,455,000 $1,430,000 -1.7% 0.5%
    Wells Fargo Bank $27,765,000 $1,410,000 -94.9% 0.5%
    Midwest Mortgage Associates Corporation $165,000 $1,355,000 721.2% 0.4%
    Mr. Cooper ( Nationstar Mortgage ) $930,000 $1,340,000 44.1% 0.4%
    FREEDOM MORTGAGE CORPORATION $2,845,000 $1,180,000 -58.5% 0.4%
    Focus Bank $1,020,000 $1,115,000 9.3% 0.4%
    Great Southern Bank $1,110,000 $1,105,000 -0.5% 0.4%
    PENNYMAC LOAN SERVICES, LLC $955,000 $1,080,000 13.1% 0.3%
    NEWREZ LLC $1,200,000 $1,045,000 -12.9% 0.3%
    Carrington Mortgage Services, LLC $780,000 $900,000 15.4% 0.3%
    FIRST COMMUNITY $305,000 $900,000 195.1% 0.3%
    Magnolia Bank $890,000 n/a 0.3%
    PNC Bank $1,370,000 $775,000 -43.4% 0.2%
    The Central Trust Bank $280,000 $755,000 169.6% 0.2%
    Nations Lending Corporation $735,000 n/a 0.2%
    SUCCESS MORTGAGE PARTNERS, INC. $135,000 $725,000 437.0% 0.2%
    BancorpSouth $715,000 n/a 0.2%
    First State Bank of St. Charles, Missouri $285,000 $715,000 150.9% 0.2%
    BMO Harris Bank $690,000 n/a 0.2%
    Arvest Bank $1,525,000 $685,000 -55.1% 0.2%
    Discover Bank $305,000 $670,000 119.7% 0.2%
    LOANPAL, LLC $755,000 $625,000 -17.2% 0.2%
    Morgan Stanley Private Bank $335,000 $625,000 86.6% 0.2%
    ENDEAVOR CAPITAL, LLC. $720,000 $605,000 -16.0% 0.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $200,000 $605,000 202.5% 0.2%
    SCOTT CREDIT UNION $805,000 $605,000 -24.8% 0.2%
    Prosperity Home Mortgage, LLC $600,000 n/a 0.2%
    AMERICAN PACIFIC MORTGAGE CORPORATION $580,000 n/a 0.2%
    PENTAGON FEDERAL CREDIT UNION $625,000 $575,000 -8.0% 0.2%
    21ST MORTGAGE CORPORATION $1,085,000 $555,000 -48.8% 0.2%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $315,000 $550,000 74.6% 0.2%
    JPMorgan Chase Bank $1,130,000 $515,000 -54.4% 0.2%
    VILLAGE CAPITAL MORTGAGE $645,000 $500,000 -22.5% 0.2%
    Citizens Bank $490,000 n/a 0.2%
    TOP FLITE FINANCIAL, INC. $480,000 n/a 0.2%
    Bank of America $910,000 $465,000 -48.9% 0.1%
    Citibank $95,000 $465,000 389.5% 0.1%
    Sterling Bank $460,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $480,000 $450,000 -6.3% 0.1%
    Barrington Bank & Trust Company, N.A. $220,000 $440,000 100.0% 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $420,000 n/a 0.1%
    AMERISAVE MORTGAGE CORPORATION $1,555,000 $415,000 -73.3% 0.1%
    River Region Credit Union $340,000 $415,000 22.1% 0.1%
    ELECTRO SAVINGS CREDIT UNION $375,000 n/a 0.1%
    Ally Bank $375,000 $370,000 -1.3% 0.1%
    Bloomsdale Bank $550,000 $340,000 -38.2% 0.1%
    OPEN MORTGAGE, LLC $485,000 $335,000 -30.9% 0.1%
    PREMIA MORTGAGE, LLC $335,000 n/a 0.1%
    The Federal Savings Bank $520,000 $335,000 -35.6% 0.1%
    CONSERVATION EMP. CREDIT UNION $325,000 n/a 0.1%
    GUIDANCE RESIDENTIAL, LLC $425,000 $305,000 -28.2% 0.1%
    Equity Prime Mortgage LLC $290,000 n/a 0.1%
    LOANDEPOT.COM, LLC $3,405,000 $290,000 -91.5% 0.1%
    FCB Banks $105,000 $285,000 171.4% 0.1%
    Figure Lending LLC $360,000 $285,000 -20.8% 0.1%
    First Bank $165,000 $285,000 72.7% 0.1%
    NBKC BANK $1,325,000 $285,000 -78.5% 0.1%
    NEW DAY FINANCIAL, LLC $940,000 $280,000 -70.2% 0.1%
    SouthernTrust Bank $275,000 n/a 0.1%
    EVERETT FINANCIAL, INC. $255,000 $270,000 5.9% 0.1%
    Citizens National Bank of Greater St. Louis $245,000 n/a 0.1%
    LEADERONE FINANCIAL CORPORATION $245,000 $235,000 -4.1% 0.1%
    First Midwest Bank of Poplar Bluff $335,000 $225,000 -32.8% 0.1%
    GUARANTEED RATE AFFINITY, LLC $225,000 n/a 0.1%
    Community Bank of Trenton $215,000 n/a 0.1%
    SouthStar Bank, S.S.B. $215,000 n/a 0.1%
    ALLIANCE CREDIT UNION $205,000 n/a 0.1%
    FIDELITY BANK $205,000 n/a 0.1%
    PROVIDENT FUNDING ASSOCIATES, L.P. $375,000 $205,000 -45.3% 0.1%
    First Mid Bank & Trust $195,000 n/a 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $480,000 $180,000 -62.5% 0.1%
    CARDINAL FINANCIAL $715,000 $175,000 -75.5% 0.1%
    PHH Mortgage Corporation $175,000 n/a 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $175,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $170,000 n/a 0.1%
    SOUTHWEST STAGE FUNDING, LLC $170,000 n/a 0.1%
    TRIAD FINANCIAL SERVICES, INC. $305,000 $155,000 -49.2% 0.0%
    Peoples National Bank , N.A. $125,000 $145,000 16.0% 0.0%
    Farmers and Merchants Bank of St. Clair $135,000 n/a 0.0%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $335,000 $135,000 -59.7% 0.0%
    AMERICAN FINANCING CORPORATION $535,000 $125,000 -76.6% 0.0%
    JLB CORPORATION $125,000 n/a 0.0%
    AMERICAN PORTFOLIO MORTGAGE CORPORATION $115,000 n/a 0.0%
    Buena Vista National Bank $115,000 n/a 0.0%
    Enterprise Bank & Trust $370,000 $115,000 -68.9% 0.0%
    Bethpage Federal Credit Union $105,000 n/a 0.0%
    Carrollton Bank $365,000 $105,000 -71.2% 0.0%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $4,685,000 $105,000 -97.8% 0.0%
    EVANSVILLE TEACHERS $90,000 n/a 0.0%
    First Horizon Bank $85,000 n/a 0.0%
    NATIONWIDE MORTGAGE BANKERS, INC. $85,000 n/a 0.0%
    Stifel Bank and Trust $650,000 $75,000 -88.5% 0.0%
    Baxter Credit Union $55,000 n/a 0.0%
    HealthCare Associates Credit Union $35,000 $55,000 57.1% 0.0%
    SPRING EQ, LLC $55,000 n/a 0.0%
    EVERENCE FEDERAL CREDIT UNION $25,000 n/a 0.0%
    Third Federal Savings and Loan Association of Cleveland $25,000 n/a 0.0%
    Home Loan Investment Bank, F.S.B. $15,000 n/a 0.0%

    CAPE GIRARDEAU's top lender by overall market share is First State Community Bank, with 8.7% market share. In second place, with 8.0%, is The Bank of Missouri, having originated $25,135,000 in loans. In third place, with 5.4%, is DAS Acquisition Company, LLC, having originated $16,840,000 in loans. In fourth place, with 5.2%, is Southern Bank, having originated $16,180,000 in loans. In fifth place, with 4.9%, is Montgomery Bank, having originated $15,265,000 in loans.

    CAPE GIRARDEAU Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - CAPE GIRARDEAU (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 $160,000 (0.7%) $229,781 (4.3%) 0.00 417
    2018-02-01 $164,950 (3.2%) $231,423 (6.5%) 0.00 418
    2018-03-01 $164,900 (3.4%) $230,298 (1.4%) 0.00 410
    2018-04-01 $164,400 (2.8%) $234,012 (0.3%) 0.00 410
    2018-05-01 $169,575 (4.1%) $242,694 (-3.3%) 0.00 406
    2018-06-01 $175,500 (4.8%) $251,122 (-0.7%) 0.00 421
    2018-07-01 $175,000 (3.9%) $254,061 (-0.7%) 0.00 454
    2018-08-01 $175,000 (9.4%) $249,647 (1.3%) 0.00 456
    2018-09-01 $169,900 (9.6%) $247,071 (4.0%) 0.00 428
    2018-10-01 $175,225 (16.9%) $253,670 (10.1%) 0.00 431
    2018-11-01 $177,125 (18.1%) $256,025 (17.3%) 0.00 430
    2018-12-01 $174,900 (9.5%) $248,984 (12.0%) 0.00 395
    2019-01-01 $169,900 (6.2%) $245,555 (6.9%) 0.00 384
    2019-02-01 $168,000 (1.9%) $243,760 (5.3%) 0.00 363
    2019-03-01 $168,529 (2.2%) $252,647 (9.7%) 0.00 358
    2019-04-01 $173,400 (5.5%) $259,016 (10.7%) 0.00 344
    2019-05-01 $189,900 (12.0%) $271,107 (11.7%) 0.00 353
    2019-06-01 $190,000 (8.3%) $274,076 (9.1%) 0.00 373
    2019-07-01 $189,500 (8.3%) $278,855 (9.8%) 0.00 364
    2019-08-01 $191,973 (9.7%) $277,941 (11.3%) 0.00 365
    2019-09-01 $196,432 (15.6%) $276,916 (12.1%) 0.00 367
    2019-10-01 $197,805 (12.9%) $273,794 (7.9%) 0.00 369
    2019-11-01 $189,900 (7.2%) $265,470 (3.7%) 0.00 365
    2019-12-01 $177,425 (1.4%) $253,200 (1.7%) 0.00 373
    2020-01-01 $169,900 (0.0%) $266,009 (8.3%) 0.00 346
    2020-02-01 $179,900 (7.1%) $274,441 (12.6%) 0.00 328
    2020-03-01 $170,425 (1.1%) $261,498 (3.5%) 0.00 320
    2020-04-01 $169,900 (-2.0%) $264,470 (2.1%) 0.00 317
    2020-05-01 $189,900 (0.0%) $287,353 (6.0%) 0.00 282
    2020-06-01 $196,700 (3.5%) $296,600 (8.2%) 0.00 268
    2020-07-01 $193,350 (2.0%) $285,378 (2.3%) 0.00 286
    2020-08-01 $179,700 (-6.4%) $278,894 (0.3%) 0.00 250
    2020-09-01 $169,700 (-13.6%) $276,197 (-0.3%) 0.00 246
    2020-10-01 $169,900 (-14.1%) $273,219 (-0.2%) 0.00 239
    2020-11-01 $154,900 (-18.4%) $251,323 (-5.3%) 0.00 232
    2020-12-01 $160,900 (-9.3%) $257,175 (1.6%) 0.00 209
    2021-01-01 $165,900 (-2.4%) $275,648 (3.6%) 0.00 178
    2021-02-01 $162,400 (-9.7%) $284,286 (3.6%) 0.00 142
    2021-03-01 $176,200 (3.4%) $314,207 (20.2%) 0.00 124
    2021-04-01 $181,400 (6.8%) $317,751 (20.2%) 0.00 130
    2021-05-01 $199,450 (5.0%) $352,473 (22.7%) 0.00 118
    2021-06-01 $202,425 (2.9%) $355,900 (20.0%) 0.00 118
    2021-07-01 $227,450 (17.6%) $347,114 (21.6%) 0.00 122
    2021-08-01 $227,875 (26.8%) $343,516 (23.2%) 0.00 123
    2021-09-01 $236,125 (39.1%) $340,910 (23.4%) 0.00 138
    2021-10-01 $234,900 (38.3%) $345,041 (26.3%) 0.00 144
    2021-11-01 $223,500 (44.3%) $344,369 (37.0%) 0.00 141
    2021-12-01 $237,225 (47.4%) $371,005 (44.3%) 0.00 107
    2022-01-01 $206,900 (24.7%) $306,468 (11.2%) 0.00 118
    2022-02-01 $172,400 (6.2%) $279,100 (-1.8%) 0.00 123
    2022-03-01 $181,450 (3.0%) $271,982 (-13.4%) 0.00 118
    2022-04-01 $205,000 (13.0%) $287,375 (-9.6%) 0.00 113
    2022-05-01 $228,725 (14.7%) $306,434 (-13.1%) 0.00 130
    2022-06-01 $238,950 (18.0%) $327,415 (-8.0%) 0.00 146
    2022-07-01 $249,900 (9.9%) $340,755 (-1.8%) 0.00 153
    2022-08-01 $275,000 (20.7%) $353,686 (3.0%) 0.00 146
    2022-09-01 $276,000 (16.9%) $348,632 (2.3%) 0.00 141
    2022-10-01 $269,750 (14.8%) $338,748 (-1.8%) 0.00 170
    2022-11-01 $272,475 (21.9%) $345,769 (0.4%) 0.00 178
    2022-12-01 $275,000 (15.9%) $338,826 (-8.7%) 0.00 186
    2023-01-01 $275,000 (32.9%) $325,982 (6.4%) 0.00 172
    2023-02-01 $249,925 (45.0%) $317,567 (13.8%) 0.00 152
    2023-03-01 $286,200 (57.7%) $332,330 (22.2%) 0.00 156
    2023-04-01 $272,400 (32.9%) $328,881 (14.4%) 0.00 166
    2023-05-01 $289,675 (26.7%) $335,583 (9.5%) 0.00 142
    2023-06-01 $250,000 (4.6%) $319,175 (-2.5%) 0.00 157
    2023-07-01 $269,450 (7.8%) $333,570 (-2.1%) 0.00 174
    2023-08-01 $278,750 (1.4%) $330,733 (-6.5%) 0.00 187
    2023-09-01 $265,950 (-3.6%) $329,177 (-5.6%) 0.00 190
    2023-10-01 $261,175 (-3.2%) $335,154 (-1.1%) 0.00 180
    2023-11-01 $262,475 (-3.7%) $332,800 (-3.8%) 0.00 184
    2023-12-01 $259,900 (-5.5%) $334,287 (-1.3%) 0.00 181
    2024-01-01 $274,900 (0.0%) $334,759 (2.7%) 0.00 183
    2024-02-01 $292,000 (16.8%) $342,205 (7.8%) 0.00 168
    2024-03-01 $269,900 (-5.7%) $326,706 (-1.7%) 0.00 162
    CAPE GIRARDEAU's median listing price for 2024-03-01 was $269,900, a difference of $-16,300 (-5.7%) versus the prior year and $-22,100 versus the prior month.

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

    CAPE GIRARDEAU's average listing price for 2024-03-01 was $326,706, a difference of $-5,624 (-1.7%) versus the prior year and $-15,499 versus the prior month.

    For the 2024-03-01 period, CAPE GIRARDEAU had 162 MLS listings, a difference of -6 listings (-4%) versus the prior month and 6 listings (4%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - CAPE GIRARDEAU (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,543 sqft
    2018-02-01 0 days 1,608 sqft
    2018-03-01 0 days 1,536 sqft
    2018-04-01 0 days 1,543 sqft
    2018-05-01 0 days 1,551 sqft
    2018-06-01 0 days 1,606 sqft
    2018-07-01 0 days 1,609 sqft
    2018-08-01 0 days 1,605 sqft
    2018-09-01 0 days 1,569 sqft
    2018-10-01 0 days 1,570 sqft
    2018-11-01 0 days 1,596 sqft
    2018-12-01 0 days 1,570 sqft
    2019-01-01 0 days 1,569 sqft
    2019-02-01 0 days 1,583 sqft
    2019-03-01 0 days 1,567 sqft
    2019-04-01 0 days 1,586 sqft
    2019-05-01 0 days 1,625 sqft
    2019-06-01 0 days 1,610 sqft
    2019-07-01 0 days 1,615 sqft
    2019-08-01 0 days 1,632 sqft
    2019-09-01 0 days 1,650 sqft
    2019-10-01 0 days 1,656 sqft
    2019-11-01 0 days 1,639 sqft
    2019-12-01 0 days 1,604 sqft
    2020-01-01 0 days 1,554 sqft
    2020-02-01 0 days 1,636 sqft
    2020-03-01 0 days 1,783 sqft
    2020-04-01 0 days 1,791 sqft
    2020-05-01 0 days 1,900 sqft
    2020-06-01 0 days 1,978 sqft
    2020-07-01 0 days 1,955 sqft
    2020-08-01 0 days 1,863 sqft
    2020-09-01 0 days 1,798 sqft
    2020-10-01 0 days 1,882 sqft
    2020-11-01 0 days 1,841 sqft
    2020-12-01 0 days 1,707 sqft
    2021-01-01 0 days 1,750 sqft
    2021-02-01 0 days 1,767 sqft
    2021-03-01 0 days 1,702 sqft
    2021-04-01 0 days 1,740 sqft
    2021-05-01 0 days 1,902 sqft
    2021-06-01 0 days 2,006 sqft
    2021-07-01 0 days 2,080 sqft
    2021-08-01 0 days 2,042 sqft
    2021-09-01 0 days 2,002 sqft
    2021-10-01 0 days 1,943 sqft
    2021-11-01 0 days 1,861 sqft
    2021-12-01 0 days 1,787 sqft
    2022-01-01 0 days 1,700 sqft
    2022-02-01 0 days 1,625 sqft
    2022-03-01 0 days 1,657 sqft
    2022-04-01 0 days 1,728 sqft
    2022-05-01 0 days 1,778 sqft
    2022-06-01 0 days 1,846 sqft
    2022-07-01 0 days 1,907 sqft
    2022-08-01 0 days 2,012 sqft
    2022-09-01 0 days 1,978 sqft
    2022-10-01 0 days 1,904 sqft
    2022-11-01 0 days 1,853 sqft
    2022-12-01 0 days 1,792 sqft
    2023-01-01 0 days 1,759 sqft
    2023-02-01 0 days 1,730 sqft
    2023-03-01 0 days 1,805 sqft
    2023-04-01 0 days 1,835 sqft
    2023-05-01 0 days 1,894 sqft
    2023-06-01 0 days 1,909 sqft
    2023-07-01 0 days 1,885 sqft
    2023-08-01 0 days 1,860 sqft
    2023-09-01 0 days 1,835 sqft
    2023-10-01 0 days 1,833 sqft
    2023-11-01 0 days 1,796 sqft
    2023-12-01 0 days 1,756 sqft
    2024-01-01 0 days 1,761 sqft
    2024-02-01 0 days 1,786 sqft
    2024-03-01 0 days 1,850 sqft
    CAPE GIRARDEAU's median listing age (time on market) for 2024-03-01 was 0 days.

    CAPE GIRARDEAU's median square footage for active listings during the 2024-03-01 period was 1,850 sqft. One year prior, the average listing was 1,805 sqft.

    CAPE GIRARDEAU, MO-IL Average Rent (2023)

    Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

    For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
    Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
    62914 Cape Girardeau, MO-IL MSA $610 $690 $890 $1,260 $1,400
    62952 Cape Girardeau, MO-IL MSA $530 $600 $770 $1,110 $1,230
    62957 Cape Girardeau, MO-IL MSA $620 $710 $910 $1,290 $1,430
    62962 Cape Girardeau, MO-IL MSA $590 $670 $860 $1,220 $1,350
    62969 Cape Girardeau, MO-IL MSA $590 $670 $860 $1,220 $1,350
    62988 Cape Girardeau, MO-IL MSA $530 $600 $770 $1,110 $1,230
    62990 Cape Girardeau, MO-IL MSA $530 $600 $770 $1,110 $1,230
    62992 Cape Girardeau, MO-IL MSA $530 $600 $770 $1,110 $1,230
    62993 Cape Girardeau, MO-IL MSA $560 $630 $810 $1,150 $1,280
    63655 Cape Girardeau, MO-IL MSA $560 $640 $820 $1,170 $1,290
    63662 Cape Girardeau, MO-IL MSA $600 $680 $870 $1,240 $1,380
    63701 Cape Girardeau, MO-IL MSA $600 $690 $880 $1,250 $1,390
    63702 Cape Girardeau, MO-IL MSA $600 $690 $880 $1,250 $1,390
    63703 Cape Girardeau, MO-IL MSA $560 $630 $810 $1,150 $1,280
    63730 Cape Girardeau, MO-IL MSA $530 $600 $770 $1,110 $1,230
    63732 Cape Girardeau, MO-IL MSA $530 $600 $770 $1,110 $1,230
    63739 Cape Girardeau, MO-IL MSA $620 $700 $900 $1,280 $1,420
    63740 Cape Girardeau, MO-IL MSA $550 $620 $800 $1,140 $1,260
    63743 Cape Girardeau, MO-IL MSA $640 $730 $940 $1,340 $1,480
    63744 Cape Girardeau, MO-IL MSA $550 $620 $800 $1,140 $1,260
    63745 Cape Girardeau, MO-IL MSA $580 $660 $850 $1,210 $1,340
    63747 Cape Girardeau, MO-IL MSA $590 $670 $860 $1,230 $1,360
    63750 Cape Girardeau, MO-IL MSA $540 $610 $780 $1,120 $1,240
    63751 Cape Girardeau, MO-IL MSA $600 $690 $880 $1,250 $1,390
    63752 Cape Girardeau, MO-IL MSA $600 $690 $880 $1,250 $1,390
    63755 Cape Girardeau, MO-IL MSA $650 $740 $950 $1,350 $1,500
    63760 Cape Girardeau, MO-IL MSA $530 $600 $770 $1,110 $1,230
    63764 Cape Girardeau, MO-IL MSA $530 $600 $770 $1,110 $1,230
    63766 Cape Girardeau, MO-IL MSA $630 $720 $920 $1,310 $1,450
    63769 Cape Girardeau, MO-IL MSA $630 $720 $920 $1,310 $1,450
    63770 Cape Girardeau, MO-IL MSA $610 $690 $890 $1,260 $1,400
    63771 Cape Girardeau, MO-IL MSA $530 $600 $770 $1,110 $1,230
    63775 Cape Girardeau, MO-IL MSA $550 $620 $800 $1,140 $1,260
    63779 Cape Girardeau, MO-IL MSA $600 $690 $880 $1,250 $1,390
    63780 Cape Girardeau, MO-IL MSA $600 $690 $880 $1,250 $1,390
    63781 Cape Girardeau, MO-IL MSA $690 $780 $1,000 $1,420 $1,580
    63782 Cape Girardeau, MO-IL MSA $530 $600 $770 $1,110 $1,230
    63785 Cape Girardeau, MO-IL MSA $570 $650 $840 $1,190 $1,320
    63787 Cape Girardeau, MO-IL MSA $530 $600 $770 $1,110 $1,230
    63960 Cape Girardeau, MO-IL MSA $530 $600 $770 $1,110 $1,230

    2022 Average & Median Rent Data Statistics
    CAPE GIRARDEAU, MO-IL average 1BR rent: $655, median: $655
    CAPE GIRARDEAU, MO-IL average 2BR rent: $840, median: $845
    CAPE GIRARDEAU, MO-IL average 3BR rent: $1,199, median: $1,200

    CAPE GIRARDEAU, MO-IL Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,072 $233,560,000 $217,873
    Refi 208 $40,870,000 $196,490
    Home Improvement 160 $8,970,000 $56,063
    Other 117 $9,555,000 $81,667
    Cash Out Refi 114 $19,740,000 $173,158

    Cape Girardeau's most frequently cited loan purpose was Home Purchase, with 1,072 originations. The 2nd most popular reason was Refi, with 208 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 509 $103,795,000 $203,919
    7-8% 373 $74,495,000 $199,718
    Over 8% 236 $22,230,000 $94,195
    5-6% 132 $30,400,000 $230,303
    2.5-3% 17 $1,625,000 $95,588
    4-5% 9 $1,635,000 $181,667
    <2.5% 6 $30,000 $5,000
    3-4% 1 $155,000 $155,000

    During 2023, Cape Girardeau's most frequently originated rate bucket was 6-7%, with 509 originations.

    Loan Sizing (CAPE GIRARDEAU, MO-IL MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 615 $90,495,000 $147,146
    $100,000 or less 514 $28,290,000 $55,039
    $200k-400k 418 $111,980,000 $267,895
    $400k-600k 78 $36,660,000 $470,000
    $600k-1000k 31 $21,705,000 $700,161
    $Over $1MM 15 $23,565,000 $1,571,000

    CAPE GIRARDEAU's loan sizing saw the bucket of loans from $100k-200k with 615 originations, totaling $90,495,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 621 $131,675,000 $212,037
    60-80% 257 $58,685,000 $228,346
    Under 20% 153 $6,545,000 $42,778
    20-40% 142 $14,880,000 $104,789
    40-60% 88 $16,760,000 $190,455
    Over 100% 18 $5,510,000 $306,111

    CAPE GIRARDEAU's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 621 originations, totaling $131,675,000 in origination value.