LAKE COUNTY - KENOSHA COUNTY Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Lake County - Kenosha County averaged 7.87% for the week of 2023-10-12, compared to the national average of 7.57% for the same period.

The average rate for the prior week (2023-10-05) was 7.79% and one month ago for the week of 2023-09-07, the average rate was 7.12%.

Lake County - Kenosha County's average rate one year ago was 6.86%.

For refis of the same type during the week of 2023-10-12, the average rate was 7.97%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-10-12 7.57%
Lake County - Kenosha County 30 Year Fixed Rate 2023-10-12 7.87%
Lake County - Kenosha County 30 Year Fixed Rate Refi 2023-10-12 7.97%
Lake County - Kenosha County 15 Year Fixed Rate 2023-10-12 6.89%
Lake County - Kenosha County 15 Year Fixed Rate Refi 2023-10-12 6.89%
Lake County - Kenosha County 30 Year FHA 2023-10-12 0%
Lake County - Kenosha County 30 Year FHA Refi 2023-10-12 0%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within LAKE COUNTY-KENOSHA COUNTY, IL-WI.

LAKE COUNTY - KENOSHA COUNTY 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 LAKE COUNTY-KENOSHA COUNTY, IL-WI 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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs

LAKE COUNTY-KENOSHA COUNTY, IL-WI 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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share


LAKE COUNTY - KENOSHA COUNTY Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - LAKE COUNTY - KENOSHA COUNTY (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 $287,250 (6.0%) $450,243 (4.4%) 1.07 27,462
2018-02-01 $302,450 (6.1%) $469,283 (4.1%) 1.10 27,948
2018-03-01 $325,000 (8.5%) $488,512 (5.1%) 1.14 29,775
2018-04-01 $330,125 (6.8%) $492,279 (4.2%) 1.12 31,629
2018-05-01 $334,425 (5.3%) $489,964 (3.3%) 1.12 33,742
2018-06-01 $329,999 (3.9%) $482,144 (2.3%) 1.10 36,367
2018-07-01 $324,950 (3.2%) $471,234 (1.1%) 1.09 38,489
2018-08-01 $319,700 (6.2%) $460,191 (1.2%) 1.07 39,562
2018-09-01 $315,000 (5.0%) $453,688 (0.9%) 1.06 40,227
2018-10-01 $309,950 (3.4%) $448,876 (-0.6%) 1.05 39,896
2018-11-01 $299,950 (1.8%) $445,533 (-0.6%) 1.02 37,549
2018-12-01 $295,000 (2.3%) $437,503 (-1.1%) 1.02 32,860
2019-01-01 $295,950 (3.0%) $440,642 (-2.1%) 1.02 29,957
2019-02-01 $309,500 (2.3%) $462,219 (-1.5%) 1.05 30,300
2019-03-01 $324,429 (-0.2%) $476,348 (-2.5%) 1.06 32,303
2019-04-01 $338,000 (2.4%) $485,310 (-1.4%) 1.07 34,401
2019-05-01 $339,250 (1.4%) $480,573 (-1.9%) 1.06 36,833
2019-06-01 $335,000 (1.5%) $475,608 (-1.4%) 1.05 38,919
2019-07-01 $329,950 (1.5%) $468,106 (-0.7%) 1.03 40,389
2019-08-01 $324,413 (1.5%) $459,230 (-0.2%) 1.03 40,814
2019-09-01 $318,556 (1.1%) $452,746 (-0.2%) 1.02 40,712
2019-10-01 $314,250 (1.4%) $448,132 (-0.2%) 1.01 40,420
2019-11-01 $304,900 (1.7%) $442,260 (-0.7%) 1.00 36,900
2019-12-01 $299,000 (1.4%) $438,806 (0.3%) 1.00 31,663
2020-01-01 $299,450 (1.2%) $441,961 (0.3%) 1.00 28,838
2020-02-01 $315,000 (1.8%) $464,351 (0.5%) 1.03 29,383
2020-03-01 $325,000 (0.2%) $473,373 (-0.6%) 1.02 29,999
2020-04-01 $323,400 (-4.3%) $463,289 (-4.5%) 1.01 28,557
2020-05-01 $329,000 (-3.0%) $474,893 (-1.2%) 1.00 28,625
2020-06-01 $336,220 (0.4%) $486,541 (2.3%) 0.99 28,544
2020-07-01 $339,997 (3.1%) $494,367 (5.6%) 0.99 27,611
2020-08-01 $344,900 (6.3%) $499,470 (8.8%) 0.99 27,206
2020-09-01 $343,533 (7.8%) $502,320 (11.0%) 0.98 27,378
2020-10-01 $339,900 (8.2%) $497,728 (11.1%) 0.97 27,446
2020-11-01 $331,995 (8.9%) $494,908 (11.9%) 0.97 24,898
2020-12-01 $325,000 (8.7%) $492,461 (12.2%) 0.97 21,084
2021-01-01 $325,000 (8.5%) $502,912 (13.8%) 0.97 18,122
2021-02-01 $339,450 (7.8%) $540,880 (16.5%) 0.99 16,163
2021-03-01 $349,000 (7.4%) $548,964 (16.0%) 0.99 15,878
2021-04-01 $349,900 (8.2%) $549,022 (18.5%) 0.95 16,544
2021-05-01 $350,000 (6.4%) $545,431 (14.9%) 0.93 17,477
2021-06-01 $350,000 (4.1%) $534,307 (9.8%) 0.92 19,694
2021-07-01 $349,000 (2.7%) $518,714 (4.9%) 0.92 21,816
2021-08-01 $337,450 (-2.2%) $497,393 (-0.4%) 0.90 22,741
2021-09-01 $329,900 (-4.0%) $488,040 (-2.8%) 0.88 22,673
2021-10-01 $325,900 (-4.1%) $484,824 (-2.6%) 0.87 21,991
2021-11-01 $319,950 (-3.6%) $482,040 (-2.6%) 0.86 19,186
2021-12-01 $312,200 (-3.9%) $476,994 (-3.1%) 0.85 15,719
2022-01-01 $310,000 (-4.6%) $489,343 (-2.7%) 0.84 12,837
2022-02-01 $322,500 (-5.0%) $513,933 (-5.0%) 0.84 11,725
2022-03-01 $332,450 (-4.7%) $523,593 (-4.6%) 0.83 12,152
2022-04-01 $349,900 (0.0%) $531,824 (-3.1%) 0.83 12,382
2022-05-01 $354,900 (1.4%) $535,363 (-1.9%) 0.81 14,846
2022-06-01 $359,900 (2.8%) $530,444 (-0.7%) 0.80 17,050
2022-07-01 $350,000 (0.3%) $513,670 (-1.0%) 0.79 19,719
2022-08-01 $349,450 (3.6%) $507,873 (2.1%) 0.81 19,915
2022-09-01 $340,000 (3.1%) $502,182 (2.9%) 0.79 19,798
2022-10-01 $339,700 (4.2%) $498,038 (2.7%) 0.80 19,805
2022-11-01 $329,950 (3.1%) $490,600 (1.8%) 0.79 19,018
2022-12-01 $322,425 (3.3%) $481,210 (0.9%) 0.80 16,289
2023-01-01 $327,450 (5.6%) $492,894 (0.7%) 0.81 14,258
2023-02-01 $337,495 (4.7%) $517,753 (0.7%) 0.82 12,900
2023-03-01 $352,400 (6.0%) $544,425 (4.0%) 0.83 12,275
2023-04-01 $369,000 (5.5%) $567,393 (6.7%) 0.86 11,824
2023-05-01 $376,000 (6.0%) $591,727 (10.5%) 0.85 12,097
2023-06-01 $382,500 (6.3%) $589,718 (11.2%) 0.86 13,059
2023-07-01 $389,000 (11.1%) $586,937 (14.3%) 0.88 13,966
2023-08-01 $384,500 (10.0%) $578,186 (13.8%) 0.88 14,426
2023-09-01 $375,000 (10.3%) $565,520 (12.6%) 0.87 14,996
LAKE COUNTY - KENOSHA COUNTY's median listing price for 2023-09-01 was $375,000, a difference of $35,000 (10.3%) versus the prior year and $-9,500 versus the prior month.

LAKE COUNTY - KENOSHA COUNTY's median listing price comes in at 87% of the national average.

LAKE COUNTY - KENOSHA COUNTY's average listing price for 2023-09-01 was $565,520, a difference of $63,338 (12.6%) versus the prior year and $-12,666 versus the prior month.

For the 2023-09-01 period, LAKE COUNTY - KENOSHA COUNTY had 14,996 MLS listings, a difference of 570 listings (4%) versus the prior month and -4,802 listings (-24%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - LAKE COUNTY - KENOSHA COUNTY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 75 days 1,893 sqft
2018-02-01 54 days 1,950 sqft
2018-03-01 43 days 2,000 sqft
2018-04-01 40 days 2,017 sqft
2018-05-01 40 days 2,021 sqft
2018-06-01 42 days 2,016 sqft
2018-07-01 44 days 2,000 sqft
2018-08-01 47 days 1,980 sqft
2018-09-01 49 days 1,967 sqft
2018-10-01 51 days 1,935 sqft
2018-11-01 56 days 1,902 sqft
2018-12-01 67 days 1,868 sqft
2019-01-01 73 days 1,865 sqft
2019-02-01 55 days 1,906 sqft
2019-03-01 43 days 1,963 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 1,871 sqft
2020-01-01 76 days 1,864 sqft
2020-02-01 45 days 1,920 sqft
2020-03-01 43 days 1,961 sqft
2020-04-01 51 days 1,935 sqft
2020-05-01 59 days 1,958 sqft
2020-06-01 45 days 1,943 sqft
2020-07-01 41 days 1,911 sqft
2020-08-01 40 days 1,875 sqft
2020-09-01 40 days 1,810 sqft
2020-10-01 43 days 1,794 sqft
2020-11-01 50 days 1,734 sqft
2020-12-01 58 days 1,700 sqft
2021-01-01 64 days 1,680 sqft
2021-02-01 45 days 1,677 sqft
2021-03-01 40 days 1,676 sqft
2021-04-01 33 days 1,697 sqft
2021-05-01 33 days 1,703 sqft
2021-06-01 32 days 1,728 sqft
2021-07-01 33 days 1,728 sqft
2021-08-01 36 days 1,704 sqft
2021-09-01 38 days 1,692 sqft
2021-10-01 40 days 1,672 sqft
2021-11-01 45 days 1,643 sqft
2021-12-01 53 days 1,603 sqft
2022-01-01 59 days 1,600 sqft
2022-02-01 39 days 1,600 sqft
2022-03-01 34 days 1,621 sqft
2022-04-01 30 days 1,654 sqft
2022-05-01 29 days 1,700 sqft
2022-06-01 30 days 1,721 sqft
2022-07-01 32 days 1,730 sqft
2022-08-01 36 days 1,723 sqft
2022-09-01 40 days 1,707 sqft
2022-10-01 40 days 1,709 sqft
2022-11-01 44 days 1,703 sqft
2022-12-01 54 days 1,698 sqft
2023-01-01 60 days 1,700 sqft
2023-02-01 44 days 1,703 sqft
2023-03-01 40 days 1,744 sqft
2023-04-01 38 days 1,784 sqft
2023-05-01 34 days 1,800 sqft
2023-06-01 34 days 1,802 sqft
2023-07-01 36 days 1,815 sqft
2023-08-01 36 days 1,803 sqft
2023-09-01 37 days 1,800 sqft
LAKE COUNTY - KENOSHA COUNTY's median listing age (time on market) for 2023-09-01 was 37 days. This is -6% shorter than the same period one year ago.

LAKE COUNTY - KENOSHA COUNTY's median square footage for active listings during the 2023-09-01 period was 1,800 sqft. One year prior, the average listing was 1,707 sqft.

LAKE COUNTY-KENOSHA COUNTY, IL-WI Market Loan Reason

Loan Purpose Originations Total Value Average Loan

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan

Loan Sizing (LAKE COUNTY-KENOSHA COUNTY, IL-WI MSA)

Loan Size Originations Total Value Average Loan

LTV Distribution

Loan to Value Originations Total Value Average Loan