CAPE GIRARDEAU Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Cape Girardeau averaged 6.54% for the week of 2024-12-05, compared to the national average of 6.69% for the same period.

The average rate for the prior week (2024-11-27) was 6.76% and one month ago for the week of 2024-10-31, the average rate was 6.87%.

Cape Girardeau's average rate one year ago was 7.07%.

For refis of the same type during the week of 2024-12-05, the average rate was 7.29%.

Loan Type Date Rate
US 30 Year Fixed Rate 2024-12-05 6.69%
Cape Girardeau 30 Year Fixed Rate 2024-12-05 6.54%
Cape Girardeau 30 Year Fixed Rate Refi 2024-12-05 7.29%
Cape Girardeau 15 Year Fixed Rate 2024-12-05 6.06%
Cape Girardeau 15 Year Fixed Rate Refi 2024-12-05 6.26%
Cape Girardeau 30 Year FHA 2024-12-05 6.43%
Cape Girardeau 30 Year FHA Refi 2024-12-05 6.36%
Cape Girardeau 30 Year USDA 2024-12-05 6.43%
Cape Girardeau 30 Year USDA Refi 2024-12-05 6.33%
Cape Girardeau 30 Year VA 2024-12-05 6.23%
Cape Girardeau 30 Year VA Refi 2024-12-05 6.24%
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
2024-04-01 $267,250 (-1.9%) $339,299 (3.2%) 0.00 176
2024-05-01 $268,450 (-7.3%) $330,034 (-1.7%) 0.00 207
2024-06-01 $269,900 (8.0%) $324,656 (1.7%) 0.00 231
2024-07-01 $265,250 (-1.6%) $309,985 (-7.1%) 0.00 228
2024-08-01 $269,450 (-3.3%) $324,205 (-2.0%) 0.00 225
2024-09-01 $278,000 (4.5%) $325,494 (-1.1%) 0.00 234
2024-10-01 $272,000 (4.1%) $313,447 (-6.5%) 0.00 237
2024-11-01 $289,900 (10.5%) $322,585 (-3.1%) 0.00 247
CAPE GIRARDEAU's median listing price for 2024-11-01 was $289,900, a difference of $27,425 (10.5%) versus the prior year and $17,900 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 2024-11-01 was $322,585, a difference of $-10,215 (-3.1%) versus the prior year and $9,138 versus the prior month.

For the 2024-11-01 period, CAPE GIRARDEAU had 247 MLS listings, a difference of 10 listings (4%) versus the prior month and 63 listings (34%) 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
2024-04-01 0 days 1,799 sqft
2024-05-01 0 days 1,916 sqft
2024-06-01 0 days 2,052 sqft
2024-07-01 0 days 1,879 sqft
2024-08-01 0 days 1,801 sqft
2024-09-01 0 days 1,790 sqft
2024-10-01 0 days 1,748 sqft
2024-11-01 0 days 1,784 sqft
CAPE GIRARDEAU's median listing age (time on market) for 2024-11-01 was 0 days.

CAPE GIRARDEAU's median square footage for active listings during the 2024-11-01 period was 1,784 sqft. One year prior, the average listing was 1,796 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.