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 6.71% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

    The average rate for the prior week (2025-05-15) was 6.66% and one month ago for the week of 2025-04-17, the average rate was 6.88%.

    Cape Girardeau's average rate one year ago was 6.87%.

    For refis of the same type during the week of 2025-05-22, the average rate was 6.86%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    Cape Girardeau 30 Year Fixed Rate 2025-05-22 6.71%
    Cape Girardeau 30 Year Fixed Rate Refi 2025-05-22 6.86%
    Cape Girardeau 15 Year Fixed Rate 2025-05-22 6.21%
    Cape Girardeau 15 Year Fixed Rate Refi 2025-05-22 6.51%
    Cape Girardeau 30 Year FHA 2025-05-22 6.56%
    Cape Girardeau 30 Year FHA Refi 2025-05-22 6.81%
    Cape Girardeau 30 Year USDA 2025-05-22 6.53%
    Cape Girardeau 30 Year USDA Refi 2025-05-22 6.43%
    Cape Girardeau 30 Year VA 2025-05-22 6.68%
    Cape Girardeau 30 Year VA Refi 2025-05-22 6.42%
    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    First State Community Bank 80 6.66% $3,047
    DAS Acquisition Company, LLC 57 6.87% $3,972
    The Bank of Missouri 46 6.95% $2,956
    U.S. Bank 43 6.72% $2,820
    QUICKEN LOANS, LLC 37 6.74% $5,851
    FLAT BRANCH MORTGAGE, INC. 34 6.81% $3,712
    Truist 24 6.40% $2,973
    Southern Bank 18 6.94% $1,982
    Flagstar Bank, FSB 13 7.08% $3,621
    DELMAR FINANCIAL COMPANY 13 6.71% $3,454
    Gateway First Bank 12 6.75% $3,456
    GERSHMAN INVESTMENT CORP. 11 6.95% $3,469
    Regions Bank 10 6.95% $2,938
    Commerce Bank 7 6.45% $2,586
    NAVY FEDERAL CREDIT UNION 7 6.75% $3,645
    Wells Fargo Bank 6 6.65% $4,210
    Mr. Cooper ( Nationstar Mortgage ) 5 6.90% $6,255
    AMERICAN PACIFIC MORTGAGE CORPORATION 5 6.75% $3,592
    PENNYMAC LOAN SERVICES, LLC 4 7.16% $4,472
    UNITED WHOLESALE MORTGAGE, LLC 4 6.99% $3,443
    Farm Credit Mid-America, ACA 4 7.09% $7,407
    PLANET HOME LENDING, LLC 4 6.72% $3,100
    The Central Trust Bank 3 6.88% $3,363
    Midwest Mortgage Associates Corporation 3 6.50% $3,694
    LOANDEPOT.COM, LLC 3 6.71% $5,356
    Arvest Bank 3 6.63% $4,025
    Mortgage Research Center, LLC 3 7.25% $3,686
    GUILD MORTGAGE COMPANY 3 6.75% $4,438
    ENVOY MORTGAGE, LTD 2 7.00% $4,721
    NATIONWIDE MORTGAGE BANKERS, INC. 2 7.37% $3,803
    FIRST COMMUNITY 2 5.95% $1,810
    BROKER SOLUTIONS, INC. 2 7.13% $5,624
    Bank of America 2 6.88% $3,797
    SCOTT CREDIT UNION 2 6.69% $2,596
    TOGETHER CREDIT UNION 2 6.50% $2,562
    GUARANTEED RATE, INC. 2 7.06% $3,200
    JPMorgan Chase Bank 2 7.25% $1,735
    ZILLOW HOME LOANS, LLC 1 6.63% $2,878
    ALLIANT CREDIT UNION 1 6.38% $2,527
    AMERISAVE MORTGAGE CORPORATION 1 6.13% $3,060
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.63% $8,256
    Associated Bank 1 5.75% $3,157
    BancorpSouth 1 7.00% $5,449
    BankPlus 1 6.50% $4,153
    BETTER MORTGAGE CORPORATION 1 6.50% $1,333
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 6.25% $3,450
    ENDEAVOR CAPITAL, LLC. 1 5.88% $5,531
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.13% $3,392
    First National Bank 1 7.95% $723
    Flanagan State Bank 1 7.13% $5,983
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 7.50% $3,454
    Great Southern Bank 1 6.13% $2,973
    GUARANTEED RATE AFFINITY, LLC 1 6.75% $0
    JLB CORPORATION 1 6.38% $5,956
    MEMBER FIRST MORTGAGE, LLC 1 6.00% $3,051
    MUTUAL OF OMAHA MORTGAGE, INC. 1 5.88% $1,995
    NBKC BANK 1 6.13% $2,843
    NEWREZ LLC 1 7.13% $9,937
    NP, Inc. 1 7.13% $3,198
    Oakstar Bank 1 6.63% $2,503
    Paramount Bank 1 6.88% $3,131
    PHH Mortgage Corporation 1 6.49% $4,325
    PNC Bank 1 7.00% $3,675
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.38% $3,529
    The Loan Store, Inc. 1 8.38% $4,211
    21ST MORTGAGE CORPORATION 1 8.25% $7,902

    CAPE GIRARDEAU Average Closing Costs & Other Stats

    CAPE GIRARDEAU, MO-IL's 66 lenders originated 1,775 loans during 2024. The total origination value was $321,755,000, with an average loan value of $181,270.

    CAPE GIRARDEAU's average closing costs are $3,797.

    The top CAPE GIRARDEAU lender as defined by loan originations is First State Community Bank, with 80 loans originated. Their average total fees are $3,047, which is $925 lower than the next largest lender, DAS Acquisition Company, LLC.

    The lowest fee CAPE GIRARDEAU lenders (with over 10 loans originated) are Southern Bank ($1,982), U.S. Bank ($2,820), Regions Bank ($2,938), The Bank of Missouri ($2,956) and Truist ($2,973).

    The lowest rate CAPE GIRARDEAU lenders (with over 10 loans originated) are Truist (6.40%), First State Community Bank (6.66%), DELMAR FINANCIAL COMPANY (6.71%), U.S. Bank (6.72%) and QUICKEN LOANS, LLC (6.74%).

    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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    First State Community Bank $27,255,000 $31,140,000 14.3% 9.7%
    DAS Acquisition Company, LLC $16,840,000 $19,065,000 13.2% 5.9%
    FLAT BRANCH MORTGAGE, INC. $14,410,000 $18,765,000 30.2% 5.8%
    The Bank of Missouri $25,135,000 $18,525,000 -26.3% 5.8%
    Southern Bank $16,180,000 $17,280,000 6.8% 5.4%
    QUICKEN LOANS, LLC $7,465,000 $14,220,000 90.5% 4.4%
    Montgomery Bank $15,265,000 $13,820,000 -9.5% 4.3%
    U.S. Bank $9,365,000 $12,795,000 36.6% 4.0%
    Mortgage Research Center, LLC $11,205,000 $9,640,000 -14.0% 3.0%
    Alliance Bank $12,545,000 $9,540,000 -24.0% 3.0%
    First Midwest Bank of Dexter $9,025,000 $8,195,000 -9.2% 2.5%
    Flagstar Bank, FSB $5,065,000 $6,800,000 34.3% 2.1%
    GERSHMAN INVESTMENT CORP. $6,580,000 $6,340,000 -3.6% 2.0%
    Gateway First Bank $3,020,000 $6,145,000 103.5% 1.9%
    Regions Bank $5,340,000 $6,000,000 12.4% 1.9%
    Truist $7,355,000 $5,990,000 -18.6% 1.9%
    Wood & Huston Bank $8,860,000 $5,595,000 -36.9% 1.7%
    Banterra Bank $6,435,000 $4,920,000 -23.5% 1.5%
    PENNYMAC LOAN SERVICES, LLC $1,080,000 $4,680,000 333.3% 1.5%
    VILLAGE CAPITAL MORTGAGE $500,000 $4,115,000 723.0% 1.3%
    Commerce Bank $5,375,000 $4,085,000 -24.0% 1.3%
    Focus Bank $1,115,000 $4,060,000 264.1% 1.3%
    MRV Banks $7,715,000 $3,905,000 -49.4% 1.2%
    NAVY FEDERAL CREDIT UNION $2,220,000 $3,550,000 59.9% 1.1%
    DELMAR FINANCIAL COMPANY $2,670,000 $3,320,000 24.3% 1.0%
    GUILD MORTGAGE COMPANY $1,925,000 $3,110,000 61.6% 1.0%
    UNITED WHOLESALE MORTGAGE, LLC $4,290,000 $2,960,000 -31.0% 0.9%
    FREEDOM MORTGAGE CORPORATION $1,180,000 $2,640,000 123.7% 0.8%
    Mr. Cooper ( Nationstar Mortgage ) $1,340,000 $2,080,000 55.2% 0.6%
    Farm Credit Mid-America, ACA $3,685,000 $1,595,000 -56.7% 0.5%
    AMERICAN PACIFIC MORTGAGE CORPORATION $580,000 $1,440,000 148.3% 0.4%
    Peoples Community Bank $1,890,000 $1,440,000 -23.8% 0.4%
    NP, Inc. $1,625,000 $1,430,000 -12.0% 0.4%
    PLANET HOME LENDING, LLC $1,760,000 $1,405,000 -20.2% 0.4%
    LOANDEPOT.COM, LLC $290,000 $1,330,000 358.6% 0.4%
    AMERISAVE MORTGAGE CORPORATION $415,000 $1,300,000 213.3% 0.4%
    MUTUAL OF OMAHA MORTGAGE, INC. $605,000 $1,290,000 113.2% 0.4%
    Bank of America $465,000 $1,270,000 173.1% 0.4%
    The Central Trust Bank $755,000 $1,245,000 64.9% 0.4%
    GENEVA FINANCIAL, LLC $1,625,000 $1,215,000 -25.2% 0.4%
    NEWREZ LLC $1,045,000 $1,205,000 15.3% 0.4%
    Arvest Bank $685,000 $1,170,000 70.8% 0.4%
    Ozarks Federal Savings and Loan Association $1,140,000 n/a 0.4%
    Wells Fargo Bank $1,410,000 $1,100,000 -22.0% 0.3%
    BROKER SOLUTIONS, INC. $1,725,000 $1,090,000 -36.8% 0.3%
    Flanagan State Bank $1,745,000 $1,090,000 -37.5% 0.3%
    USAA Federal Savings Bank $1,430,000 $1,050,000 -26.6% 0.3%
    Midwest Mortgage Associates Corporation $1,355,000 $995,000 -26.6% 0.3%
    BancorpSouth $715,000 $890,000 24.5% 0.3%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $450,000 $880,000 95.6% 0.3%
    Legence Bank $825,000 n/a 0.3%
    The Federal Savings Bank $335,000 $825,000 146.3% 0.3%
    SCOTT CREDIT UNION $605,000 $775,000 28.1% 0.2%
    Sterling Bank $460,000 $745,000 62.0% 0.2%
    GUARANTEED RATE, INC. $4,470,000 $740,000 -83.4% 0.2%
    JLB CORPORATION $125,000 $715,000 472.0% 0.2%
    PHH Mortgage Corporation $175,000 $710,000 305.7% 0.2%
    21ST MORTGAGE CORPORATION $555,000 $665,000 19.8% 0.2%
    The Loan Store, Inc. $645,000 n/a 0.2%
    AmeriHome Mortgage Company, LLC $640,000 n/a 0.2%
    Discover Bank $670,000 $625,000 -6.7% 0.2%
    Carrington Mortgage Services, LLC $900,000 $620,000 -31.1% 0.2%
    LAKEVIEW LOAN SERVICING, LLC $545,000 n/a 0.2%
    TRIAD FINANCIAL SERVICES, INC. $155,000 $510,000 229.0% 0.2%
    NEW DAY FINANCIAL, LLC $280,000 $500,000 78.6% 0.2%
    TOGETHER CREDIT UNION $500,000 n/a 0.2%
    EVANSVILLE TEACHERS $90,000 $495,000 450.0% 0.2%
    NATIONWIDE MORTGAGE BANKERS, INC. $85,000 $485,000 470.6% 0.2%
    ROYAL UNITED MORTGAGE LLC $470,000 n/a 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $180,000 $470,000 161.1% 0.1%
    FIRST COMMUNITY $900,000 $465,000 -48.3% 0.1%
    PNC Bank $775,000 $465,000 -40.0% 0.1%
    FIRST COMMUNITY MORTGAGE, INC. $460,000 n/a 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $550,000 $440,000 -20.0% 0.1%
    CARDINAL FINANCIAL $175,000 $440,000 151.4% 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $105,000 $435,000 314.3% 0.1%
    ENVOY MORTGAGE, LTD $430,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $170,000 $415,000 144.1% 0.1%
    Johnson Bank $415,000 n/a 0.1%
    Equity Prime Mortgage LLC $290,000 $410,000 41.4% 0.1%
    JPMorgan Chase Bank $515,000 $410,000 -20.4% 0.1%
    NFM, INC. $395,000 n/a 0.1%
    North American Savings Bank, F.S.B. $385,000 n/a 0.1%
    BankPlus $355,000 n/a 0.1%
    ENDEAVOR CAPITAL, LLC. $605,000 $350,000 -42.1% 0.1%
    Century Mortgage Company DBA Century Lending Company $345,000 n/a 0.1%
    TOP FLITE FINANCIAL, INC. $480,000 $320,000 -33.3% 0.1%
    The Paducah Bank and Trust Company $295,000 n/a 0.1%
    First Midwest Bank of Poplar Bluff $225,000 $275,000 22.2% 0.1%
    PEOPLES BANK & TRUST CO. $275,000 n/a 0.1%
    BETTER MORTGAGE CORPORATION $265,000 n/a 0.1%
    CONSERVATION EMP. CREDIT UNION $325,000 $245,000 -24.6% 0.1%
    CROSSCOUNTRY MORTGAGE, LLC $245,000 n/a 0.1%
    First Bank $285,000 $245,000 -14.0% 0.1%
    GUARANTEED RATE AFFINITY, LLC $225,000 $245,000 8.9% 0.1%
    Midwest Bank $245,000 n/a 0.1%
    ALLIANT CREDIT UNION $240,000 n/a 0.1%
    Bloomsdale Bank $340,000 $235,000 -30.9% 0.1%
    AMERICAN FINANCING CORPORATION $125,000 $225,000 80.0% 0.1%
    Great Southern Bank $1,105,000 $225,000 -79.6% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $225,000 n/a 0.1%
    Magnolia Bank $890,000 $205,000 -77.0% 0.1%
    Prosperity Home Mortgage, LLC $600,000 $205,000 -65.8% 0.1%
    Third Federal Savings and Loan Association of Cleveland $25,000 $205,000 720.0% 0.1%
    TOWNE MORTGAGE COMPANY $205,000 n/a 0.1%
    PENTAGON FEDERAL CREDIT UNION $575,000 $200,000 -65.2% 0.1%
    SOUTHWEST STAGE FUNDING, LLC $170,000 $190,000 11.8% 0.1%
    First National Bank $185,000 n/a 0.1%
    Oakstar Bank $185,000 n/a 0.1%
    SUN WEST MORTGAGE COMPANY, INC. $175,000 $185,000 5.7% 0.1%
    THRIVENT Federal Credit Union $185,000 n/a 0.1%
    MOVEMENT MORTGAGE, LLC $2,055,000 $175,000 -91.5% 0.1%
    Associated Bank $170,000 n/a 0.1%
    Figure Lending LLC $285,000 $165,000 -42.1% 0.1%
    Sierra Pacific Mortgage Company, Inc. $165,000 n/a 0.1%
    LEADERONE FINANCIAL CORPORATION $235,000 $155,000 -34.0% 0.0%
    Paramount Bank $155,000 n/a 0.0%
    Ixonia Bank $145,000 n/a 0.0%
    MISSOURI Credit Union $145,000 n/a 0.0%
    Barrington Bank & Trust Company, N.A. $440,000 $135,000 -69.3% 0.0%
    ZILLOW HOME LOANS, LLC $135,000 n/a 0.0%
    Connexus Credit Union $125,000 n/a 0.0%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $125,000 n/a 0.0%
    Community Bank of Trenton $215,000 $105,000 -51.2% 0.0%
    Midland States Bank $95,000 n/a 0.0%
    NBKC BANK $285,000 $95,000 -66.7% 0.0%
    FCB Banks $285,000 $90,000 -68.4% 0.0%
    LOANPAL, LLC $625,000 $85,000 -86.4% 0.0%
    SPRING EQ, LLC $55,000 $80,000 45.5% 0.0%
    MEMBER FIRST MORTGAGE, LLC $75,000 n/a 0.0%
    PREMIER MORTGAGE RESOURCES, L.L.C. $75,000 n/a 0.0%
    Bethpage Federal Credit Union $105,000 $65,000 -38.1% 0.0%
    CITY FIRST MORTGAGE SERVICES, L.L.C. $65,000 n/a 0.0%
    Century Credit Union $25,000 n/a 0.0%
    Commercial Bank & Trust Co. $25,000 n/a 0.0%
    Coastal Community Bank $15,000 n/a 0.0%

    CAPE GIRARDEAU's top lender by overall market share is First State Community Bank, with 9.7% market share. In second place, with 5.9%, is DAS Acquisition Company, LLC, having originated $19,065,000 in loans. In third place, with 5.8%, is FLAT BRANCH MORTGAGE, INC., having originated $18,765,000 in loans. In fourth place, with 5.8%, is The Bank of Missouri, having originated $18,525,000 in loans. In fifth place, with 5.4%, is Southern Bank, having originated $17,280,000 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 $160,625 (1.6%) $230,251 (4.5%) 0.00 417
    2018-02-01 $164,950 (3.2%) $231,184 (6.2%) 0.00 419
    2018-03-01 $164,900 (3.4%) $230,054 (1.0%) 0.00 411
    2018-04-01 $163,400 (2.2%) $233,764 (0.3%) 0.00 411
    2018-05-01 $169,450 (4.7%) $242,427 (-3.2%) 0.00 407
    2018-06-01 $175,250 (4.6%) $250,859 (-0.8%) 0.00 422
    2018-07-01 $175,000 (4.2%) $253,801 (-0.6%) 0.00 455
    2018-08-01 $175,000 (9.4%) $249,144 (1.0%) 0.00 457
    2018-09-01 $169,900 (9.6%) $246,664 (3.8%) 0.00 429
    2018-10-01 $175,075 (16.8%) $253,242 (9.7%) 0.00 432
    2018-11-01 $176,875 (18.0%) $255,588 (16.6%) 0.00 431
    2018-12-01 $172,400 (7.9%) $248,186 (11.2%) 0.00 397
    2019-01-01 $169,900 (5.8%) $246,092 (6.9%) 0.00 387
    2019-02-01 $168,000 (1.9%) $245,748 (6.3%) 0.00 365
    2019-03-01 $168,529 (2.2%) $254,742 (10.7%) 0.00 360
    2019-04-01 $173,650 (6.3%) $261,280 (11.8%) 0.00 345
    2019-05-01 $189,950 (12.1%) $273,673 (12.9%) 0.00 354
    2019-06-01 $190,000 (8.4%) $275,609 (9.9%) 0.00 376
    2019-07-01 $190,725 (9.0%) $280,223 (10.4%) 0.00 368
    2019-08-01 $192,300 (9.9%) $278,866 (11.9%) 0.00 370
    2019-09-01 $196,575 (15.7%) $277,628 (12.6%) 0.00 372
    2019-10-01 $197,925 (13.1%) $274,361 (8.3%) 0.00 374
    2019-11-01 $189,900 (7.4%) $265,786 (4.0%) 0.00 370
    2019-12-01 $177,400 (2.9%) $253,741 (2.2%) 0.00 378
    2020-01-01 $169,900 (0.0%) $267,165 (8.6%) 0.00 348
    2020-02-01 $179,950 (7.1%) $275,575 (12.1%) 0.00 331
    2020-03-01 $169,400 (0.5%) $260,464 (2.3%) 0.00 322
    2020-04-01 $169,900 (-2.2%) $263,661 (0.9%) 0.00 320
    2020-05-01 $189,900 (0.0%) $286,100 (4.5%) 0.00 284
    2020-06-01 $196,675 (3.5%) $296,303 (7.5%) 0.00 269
    2020-07-01 $193,950 (1.7%) $286,209 (2.1%) 0.00 286
    2020-08-01 $179,900 (-6.5%) $279,206 (0.1%) 0.00 252
    2020-09-01 $169,800 (-13.6%) $276,211 (-0.5%) 0.00 248
    2020-10-01 $169,900 (-14.2%) $273,076 (-0.5%) 0.00 240
    2020-11-01 $154,925 (-18.4%) $250,957 (-5.6%) 0.00 233
    2020-12-01 $160,900 (-9.3%) $257,518 (1.5%) 0.00 209
    2021-01-01 $165,000 (-2.9%) $274,090 (2.6%) 0.00 180
    2021-02-01 $162,400 (-9.8%) $283,481 (2.9%) 0.00 142
    2021-03-01 $176,200 (4.0%) $314,207 (20.6%) 0.00 124
    2021-04-01 $181,400 (6.8%) $317,751 (20.5%) 0.00 130
    2021-05-01 $199,450 (5.0%) $352,473 (23.2%) 0.00 118
    2021-06-01 $202,425 (2.9%) $355,900 (20.1%) 0.00 117
    2021-07-01 $225,000 (16.0%) $345,959 (20.9%) 0.00 121
    2021-08-01 $226,875 (26.1%) $342,860 (22.8%) 0.00 122
    2021-09-01 $235,125 (38.5%) $340,640 (23.3%) 0.00 138
    2021-10-01 $232,450 (36.8%) $343,313 (25.7%) 0.00 145
    2021-11-01 $222,500 (43.6%) $342,680 (36.6%) 0.00 142
    2021-12-01 $236,975 (47.3%) $368,584 (43.1%) 0.00 108
    2022-01-01 $206,900 (25.4%) $305,106 (11.3%) 0.00 119
    2022-02-01 $171,175 (5.4%) $277,545 (-2.1%) 0.00 124
    2022-03-01 $180,950 (2.7%) $270,374 (-14.0%) 0.00 119
    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 $239,725 (18.4%) $327,369 (-8.0%) 0.00 146
    2022-07-01 $249,900 (11.1%) $340,857 (-1.5%) 0.00 154
    2022-08-01 $275,000 (21.2%) $353,522 (3.1%) 0.00 146
    2022-09-01 $276,000 (17.4%) $348,632 (2.4%) 0.00 141
    2022-10-01 $274,500 (18.1%) $339,832 (-1.0%) 0.00 169
    2022-11-01 $275,000 (23.6%) $345,791 (0.9%) 0.00 179
    2022-12-01 $275,000 (16.1%) $338,879 (-8.1%) 0.00 187
    2023-01-01 $275,000 (32.9%) $326,114 (6.9%) 0.00 173
    2023-02-01 $252,400 (47.5%) $317,464 (14.4%) 0.00 153
    2023-03-01 $286,575 (58.4%) $332,068 (22.8%) 0.00 157
    2023-04-01 $272,400 (32.9%) $328,881 (14.4%) 0.00 166
    2023-05-01 $289,450 (26.6%) $335,413 (9.5%) 0.00 142
    2023-06-01 $252,500 (5.3%) $319,269 (-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 $259,900 (-5.3%) $334,063 (-1.7%) 0.00 181
    2023-11-01 $262,475 (-4.6%) $332,800 (-3.8%) 0.00 184
    2023-12-01 $259,450 (-5.7%) $333,089 (-1.7%) 0.00 181
    2024-01-01 $274,900 (0.0%) $334,759 (2.7%) 0.00 183
    2024-02-01 $292,000 (15.7%) $342,205 (7.8%) 0.00 168
    2024-03-01 $269,900 (-5.8%) $326,706 (-1.6%) 0.00 162
    2024-04-01 $267,225 (-1.9%) $339,299 (3.2%) 0.00 176
    2024-05-01 $270,450 (-6.6%) $330,034 (-1.6%) 0.00 207
    2024-06-01 $269,900 (6.9%) $323,369 (1.3%) 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 (4.7%) $313,447 (-6.2%) 0.00 237
    2024-11-01 $289,900 (10.5%) $322,585 (-3.1%) 0.00 247
    2024-12-01 $291,175 (12.2%) $325,464 (-2.3%) 0.00 238
    2025-01-01 $287,325 (4.5%) $319,773 (-4.5%) 0.00 222
    2025-02-01 $287,325 (-1.6%) $322,237 (-5.8%) 0.00 228
    2025-03-01 $285,000 (5.6%) $332,601 (1.8%) 0.00 216
    2025-04-01 $296,225 (10.9%) $350,741 (3.4%) 0.00 205
    CAPE GIRARDEAU's median listing price for 2025-04-01 was $296,225, a difference of $29,000 (10.9%) versus the prior year and $11,225 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 2025-04-01 was $350,741, a difference of $11,442 (3.4%) versus the prior year and $18,140 versus the prior month.

    For the 2025-04-01 period, CAPE GIRARDEAU had 205 MLS listings, a difference of -11 listings (-5%) versus the prior month and 29 listings (16%) 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 1,569 sqft
    2019-01-01 0 days 1,569 sqft
    2019-02-01 0 days 1,587 sqft
    2019-03-01 0 days 1,569 sqft
    2019-04-01 0 days 1,589 sqft
    2019-05-01 0 days 1,622 sqft
    2019-06-01 0 days 1,603 sqft
    2019-07-01 0 days 1,609 sqft
    2019-08-01 0 days 1,624 sqft
    2019-09-01 0 days 1,642 sqft
    2019-10-01 0 days 1,647 sqft
    2019-11-01 0 days 1,626 sqft
    2019-12-01 0 days 1,596 sqft
    2020-01-01 0 days 1,550 sqft
    2020-02-01 0 days 1,639 sqft
    2020-03-01 0 days 1,781 sqft
    2020-04-01 0 days 1,788 sqft
    2020-05-01 0 days 1,898 sqft
    2020-06-01 0 days 1,979 sqft
    2020-07-01 0 days 1,959 sqft
    2020-08-01 0 days 1,863 sqft
    2020-09-01 0 days 1,800 sqft
    2020-10-01 0 days 1,882 sqft
    2020-11-01 0 days 1,842 sqft
    2020-12-01 0 days 1,714 sqft
    2021-01-01 0 days 1,724 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 2,067 sqft
    2021-08-01 0 days 2,042 sqft
    2021-09-01 0 days 2,002 sqft
    2021-10-01 0 days 1,942 sqft
    2021-11-01 0 days 1,838 sqft
    2021-12-01 0 days 1,777 sqft
    2022-01-01 0 days 1,700 sqft
    2022-02-01 0 days 1,621 sqft
    2022-03-01 0 days 1,649 sqft
    2022-04-01 0 days 1,728 sqft
    2022-05-01 0 days 1,778 sqft
    2022-06-01 0 days 1,850 sqft
    2022-07-01 0 days 1,925 sqft
    2022-08-01 0 days 2,018 sqft
    2022-09-01 0 days 1,978 sqft
    2022-10-01 0 days 1,912 sqft
    2022-11-01 0 days 1,867 sqft
    2022-12-01 0 days 1,804 sqft
    2023-01-01 0 days 1,761 sqft
    2023-02-01 0 days 1,727 sqft
    2023-03-01 0 days 1,800 sqft
    2023-04-01 0 days 1,835 sqft
    2023-05-01 0 days 1,884 sqft
    2023-06-01 0 days 1,910 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 1,826 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 1,798 sqft
    2024-05-01 0 days 1,939 sqft
    2024-06-01 0 days 1,957 sqft
    2024-07-01 0 days 1,879 sqft
    2024-08-01 0 days 1,801 sqft
    2024-09-01 0 days 1,788 sqft
    2024-10-01 0 days 1,746 sqft
    2024-11-01 0 days 1,778 sqft
    2024-12-01 0 days 1,792 sqft
    2025-01-01 0 days 1,736 sqft
    2025-02-01 0 days 1,788 sqft
    2025-03-01 0 days 1,880 sqft
    2025-04-01 0 days 1,928 sqft
    CAPE GIRARDEAU's median listing age (time on market) for 2025-04-01 was 0 days.

    CAPE GIRARDEAU's median square footage for active listings during the 2025-04-01 period was 1,928 sqft. One year prior, the average listing was 1,798 sqft.

    CAPE GIRARDEAU, MO-IL Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,050 $219,710,000 $209,248
    Refi 270 $53,680,000 $198,815
    Cash Out Refi 158 $26,310,000 $166,519
    Other 151 $12,405,000 $82,152
    Home Improvement 146 $9,650,000 $66,096

    Cape Girardeau's most frequently cited loan purpose was Home Purchase, with 1,050 originations. The 2nd most popular reason was Refi, with 270 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 637 $132,625,000 $208,203
    7-8% 338 $64,840,000 $191,834
    Over 8% 284 $32,100,000 $113,028
    5-6% 164 $34,200,000 $208,537
    <2.5% 15 $85,000 $5,667
    4-5% 14 $3,100,000 $221,429
    2.5-3% 7 $575,000 $82,143
    3-4% 2 $240,000 $120,000

    During 2024, Cape Girardeau's most frequently originated rate bucket was 6-7%, with 637 originations.

    Loan Sizing (CAPE GIRARDEAU, MO-IL MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 611 $91,195,000 $149,255
    $100,000 or less 543 $30,225,000 $55,663
    $200k-400k 523 $142,765,000 $272,973
    $400k-600k 70 $32,560,000 $465,143
    $600k-1000k 20 $14,010,000 $700,500
    $Over $1MM 8 $11,000,000 $1,375,000

    CAPE GIRARDEAU's loan sizing saw the bucket of loans from $100k-200k with 611 originations, totaling $91,195,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 664 $143,570,000 $216,220
    60-80% 298 $65,000,000 $218,121
    Under 20% 164 $7,690,000 $46,890
    20-40% 159 $14,425,000 $90,723
    40-60% 126 $23,840,000 $189,206
    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 664 originations, totaling $143,570,000 in origination value.