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 6.85% for the week of 2023-11-22, compared to the national average of 7.29% for the same period.

    The average rate for the prior week (2023-11-16) was 7.1% and one month ago for the week of 2023-10-19, the average rate was 7.39%.

    Cape Girardeau's average rate one year ago was 6.37%.

    For refis of the same type during the week of 2023-11-22, the average rate was 6.26%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-11-22 7.29%
    Cape Girardeau 30 Year Fixed Rate 2023-11-22 6.85%
    Cape Girardeau 30 Year Fixed Rate Refi 2023-11-22 6.26%
    Cape Girardeau 15 Year Fixed Rate 2023-11-22 6.47%
    Cape Girardeau 15 Year Fixed Rate Refi 2023-11-22 7.17%
    Cape Girardeau 30 Year FHA 2023-11-22 -0.23%
    Cape Girardeau 30 Year FHA Refi 2023-11-22 -0.1%
    Cape Girardeau 30 Year USDA 2023-11-22 -0.2%
    Cape Girardeau 30 Year USDA Refi 2023-11-22 -0.2%
    Cape Girardeau 30 Year VA 2023-11-22 0.07%
    Cape Girardeau 30 Year VA Refi 2023-11-22 0.1%
    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    The Bank of Missouri 86 4.36% $2,515
    DAS Acquisition Company, LLC 64 5.47% $3,475
    First State Community Bank 54 4.92% $2,593
    U.S. Bank 42 5.07% $2,453
    FLAT BRANCH MORTGAGE, INC. 37 5.35% $3,500
    Wells Fargo Bank 35 4.70% $2,575
    QUICKEN LOANS, LLC 32 5.00% $4,864
    Southern Bank 25 4.87% $1,613
    DELMAR FINANCIAL COMPANY 25 4.93% $3,483
    Banterra Bank 25 5.06% $3,002
    Truist 24 4.69% $2,576
    PLANET HOME LENDING, LLC 23 4.53% $2,453
    Wood & Huston Bank 20 5.42% $2,089
    Flagstar Bank, FSB 18 5.19% $3,875
    GUARANTEED RATE, INC. 18 5.10% $4,907
    UNITED WHOLESALE MORTGAGE, LLC 18 4.82% $5,671
    Regions Bank 16 5.12% $2,942
    GERSHMAN INVESTMENT CORP. 13 5.30% $3,595
    GUILD MORTGAGE COMPANY 13 5.10% $4,179
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 12 5.18% $3,078
    MOVEMENT MORTGAGE, LLC 12 5.58% $3,542
    Commerce Bank 9 5.63% $2,864
    LOANDEPOT.COM, LLC 8 4.14% $5,003
    CALIBER HOME LOANS, INC. 8 4.58% $4,326
    NAVY FEDERAL CREDIT UNION 5 5.15% $2,313
    FREEDOM MORTGAGE CORPORATION 5 5.38% $4,594
    Bank of America 4 3.81% $3,706
    LOANPAL, LLC 4 4.22% $5,541
    BROKER SOLUTIONS, INC. 4 5.37% $5,156
    AMERISAVE MORTGAGE CORPORATION 3 4.29% $5,390
    NEWREZ LLC 3 3.87% $4,453
    JPMorgan Chase Bank 3 6.33% $3,325
    BETTER MORTGAGE CORPORATION 3 3.38% $3,340
    Mortgage Research Center, LLC 3 5.33% $5,511
    M&T Bank 2 4.94% $5,734
    AmeriHome Mortgage Company, LLC 2 3.25% $8,967
    Carrington Mortgage Services, LLC 2 5.94% $4,340
    ENDEAVOR CAPITAL, LLC. 2 4.50% $4,151
    Enterprise Bank & Trust 2 5.69% $2,594
    FIRST COMMUNITY 2 4.69% $1,195
    FIRST COMMUNITY MORTGAGE, INC. 2 6.00% $4,460
    Mr. Cooper ( Nationstar Mortgage ) 2 6.43% $5,734
    NBKC BANK 2 4.94% $2,044
    Oakstar Bank 2 5.56% $2,641
    PENNYMAC LOAN SERVICES, LLC 2 4.50% $4,076
    PENTAGON FEDERAL CREDIT UNION 2 4.88% $4,540
    Petefish, Skiles & Co. 2 3.94% $3,292
    SCOTT CREDIT UNION 2 5.31% $2,415
    LAKEVIEW LOAN SERVICING, LLC 1 3.13% $5,947
    LEADERONE FINANCIAL CORPORATION 1 4.50% $2,773
    Flanagan State Bank 1 4.88% $14,351
    First State Bank of St. Charles, Missouri 1 4.63% $3,000
    First National Bank 1 3.63% $2,226
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 1 6.38% $3,073
    TOGETHER CREDIT UNION 1 5.61% $2,105
    Ally Bank 1 5.00% $2,673
    MUTUAL OF OMAHA MORTGAGE, INC. 1 4.13% $2,807
    First Bank & Trust 1 5.38% $3,370
    CITIZENS EQUITY FIRST 1 6.13% $2,416
    Financial Funding Solutions, Inc. 1 4.25% $2,946
    NP, Inc. 1 3.75% $3,520
    UMB Bank 1 3.63% $3,246
    Ozarks Federal Savings and Loan Association 1 4.13% $2,239
    Chicago Mortgage Solutions LLC 1 3.87% $675
    Carrollton Bank 1 4.88% $2,715
    PEOPLES BANK & TRUST CO. 1 4.75% $2,489
    Associated Bank 1 3.38% $4,615
    Fifth Third Bank 1 3.25% $3,007
    PNC Bank 1 5.13% $2,931
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.50% $5,807
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.63% $6,296
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 4.88% $2,709
    Farm Credit Mid-America, ACA 1 3.90% $4,841
    EVERETT FINANCIAL, INC. 1 5.99% $1,909
    AMERICAN FINANCING CORPORATION 1 3.88% $6,586
    Sierra Pacific Mortgage Company, Inc. 1 3.88% $4,579
    SIRVA MORTGAGE, INC. 1 5.50% $2,868
    COMMUNITY MORTGAGE, LLC 1 4.50% $2,565
    Stifel Bank and Trust 1 2.25% $1,885
    Sullivan Bank 1 3.63% $1,537
    City National Bank 1 6.55% $3,388
    The Huntington National Bank 1 4.38% $3,466
    Great Southern Bank 1 3.19% $3,300
    GENEVA FINANCIAL, LLC 1 5.88% $5,909
    HOME POINT FINANCIAL CORPORATION 1 5.00% $2,637
    IAA Credit Union 1 4.00% $2,134
    Inwood National Bank 1 3.88% $3,149
    FRONTIER FINANCIAL, INC. 1 4.25% $2,636
    KELLER MORTGAGE, LLC 1 6.13% $3,762

    CAPE GIRARDEAU Average Closing Costs & Other Stats

    CAPE GIRARDEAU, MO-IL's 89 lenders originated 2,215 loans during 2022. The total origination value was $459,505,000, with an average loan value of $207,451.

    CAPE GIRARDEAU's average closing costs are $3,556.

    The top CAPE GIRARDEAU lender as defined by loan originations is The Bank of Missouri, with 86 loans originated. Their average total fees are $2,515, which is $959 lower than the next largest lender, DAS Acquisition Company, LLC.

    The lowest fee CAPE GIRARDEAU lenders (with over 10 loans originated) are Southern Bank ($1,613), Wood & Huston Bank ($2,089), PLANET HOME LENDING, LLC ($2,453), U.S. Bank ($2,453) and The Bank of Missouri ($2,515).

    The lowest rate CAPE GIRARDEAU lenders (with over 10 loans originated) are The Bank of Missouri (4.36%), PLANET HOME LENDING, LLC (4.53%), Truist (4.69%), Wells Fargo Bank (4.70%) and UNITED WHOLESALE MORTGAGE, LLC (4.82%).

    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 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    The Bank of Missouri $49,900,000 $44,895,000 -10.0% 9.8%
    Wells Fargo Bank $27,740,000 $27,765,000 0.1% 6.0%
    First State Community Bank $41,560,000 $24,735,000 -40.5% 5.4%
    DAS Acquisition Company, LLC $27,445,000 $24,520,000 -10.7% 5.3%
    TBK BANK, SSB $23,005,000 n/a 5.0%
    Alliance Bank $48,350,000 $21,205,000 -56.1% 4.6%
    Southern Bank $23,725,000 $18,815,000 -20.7% 4.1%
    Montgomery Bank $31,840,000 $18,700,000 -41.3% 4.1%
    FLAT BRANCH MORTGAGE, INC. $23,940,000 $16,320,000 -31.8% 3.6%
    Wood & Huston Bank $21,930,000 $16,175,000 -26.2% 3.5%
    U.S. Bank $29,715,000 $16,090,000 -45.9% 3.5%
    QUICKEN LOANS, LLC $37,805,000 $13,755,000 -63.6% 3.0%
    Mortgage Research Center, LLC $12,875,000 $10,885,000 -15.5% 2.4%
    First Midwest Bank of Dexter $28,400,000 $10,500,000 -63.0% 2.3%
    GUARANTEED RATE, INC. $4,395,000 $8,440,000 92.0% 1.8%
    Regions Bank $12,555,000 $7,710,000 -38.6% 1.7%
    DELMAR FINANCIAL COMPANY $8,185,000 $7,285,000 -11.0% 1.6%
    Flagstar Bank, FSB $5,580,000 $7,195,000 28.9% 1.6%
    Banterra Bank $10,770,000 $6,455,000 -40.1% 1.4%
    PLANET HOME LENDING, LLC $12,705,000 $6,390,000 -49.7% 1.4%
    UNITED WHOLESALE MORTGAGE, LLC $15,470,000 $6,380,000 -58.8% 1.4%
    Commerce Bank $10,840,000 $6,130,000 -43.5% 1.3%
    GERSHMAN INVESTMENT CORP. $12,615,000 $5,790,000 -54.1% 1.3%
    CALIBER HOME LOANS, INC. $12,245,000 $5,385,000 -56.0% 1.2%
    Truist $1,765,000 $5,145,000 191.5% 1.1%
    GUILD MORTGAGE COMPANY $14,715,000 $4,935,000 -66.5% 1.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $8,105,000 $4,685,000 -42.2% 1.0%
    MOVEMENT MORTGAGE, LLC $6,480,000 $4,030,000 -37.8% 0.9%
    LOANDEPOT.COM, LLC $8,205,000 $3,405,000 -58.5% 0.7%
    FREEDOM MORTGAGE CORPORATION $8,685,000 $2,845,000 -67.2% 0.6%
    HOME POINT FINANCIAL CORPORATION $2,095,000 $2,275,000 8.6% 0.5%
    Peoples Community Bank $2,080,000 $1,630,000 -21.6% 0.4%
    NAVY FEDERAL CREDIT UNION $2,375,000 $1,575,000 -33.7% 0.3%
    AMERISAVE MORTGAGE CORPORATION $3,465,000 $1,555,000 -55.1% 0.3%
    Arvest Bank $2,270,000 $1,525,000 -32.8% 0.3%
    NP, Inc. $225,000 $1,465,000 551.1% 0.3%
    USAA Federal Savings Bank $2,370,000 $1,455,000 -38.6% 0.3%
    PNC Bank $665,000 $1,370,000 106.0% 0.3%
    NBKC BANK $1,325,000 n/a 0.3%
    GENEVA FINANCIAL, LLC $410,000 $1,235,000 201.2% 0.3%
    NEWREZ LLC $3,735,000 $1,200,000 -67.9% 0.3%
    BROKER SOLUTIONS, INC. $1,070,000 $1,165,000 8.9% 0.3%
    JPMorgan Chase Bank $1,955,000 $1,130,000 -42.2% 0.2%
    North American Savings Bank, F.S.B. $1,510,000 $1,125,000 -25.5% 0.2%
    Great Southern Bank $1,895,000 $1,110,000 -41.4% 0.2%
    21ST MORTGAGE CORPORATION $710,000 $1,085,000 52.8% 0.2%
    Focus Bank $4,205,000 $1,020,000 -75.7% 0.2%
    PENNYMAC LOAN SERVICES, LLC $6,025,000 $955,000 -84.1% 0.2%
    NEW DAY FINANCIAL, LLC $1,460,000 $940,000 -35.6% 0.2%
    Mr. Cooper ( Nationstar Mortgage ) $2,625,000 $930,000 -64.6% 0.2%
    Bank of America $3,455,000 $910,000 -73.7% 0.2%
    FIRST COMMUNITY MORTGAGE, INC. $655,000 $895,000 36.6% 0.2%
    SCOTT CREDIT UNION $250,000 $805,000 222.0% 0.2%
    UMB Bank $795,000 n/a 0.2%
    Carrington Mortgage Services, LLC $2,840,000 $780,000 -72.5% 0.2%
    Associated Bank $290,000 $755,000 160.3% 0.2%
    LOANPAL, LLC $300,000 $755,000 151.7% 0.2%
    BETTER MORTGAGE CORPORATION $4,015,000 $735,000 -81.7% 0.2%
    ENDEAVOR CAPITAL, LLC. $2,505,000 $720,000 -71.3% 0.2%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $715,000 $715,000 0.0% 0.2%
    Stifel Bank and Trust $310,000 $650,000 109.7% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $2,360,000 $645,000 -72.7% 0.1%
    VILLAGE CAPITAL MORTGAGE $2,180,000 $645,000 -70.4% 0.1%
    PENTAGON FEDERAL CREDIT UNION $590,000 $625,000 5.9% 0.1%
    Bloomsdale Bank $1,480,000 $550,000 -62.8% 0.1%
    AMERICAN FINANCING CORPORATION $670,000 $535,000 -20.1% 0.1%
    The Federal Savings Bank $1,515,000 $520,000 -65.7% 0.1%
    OPEN MORTGAGE, LLC $485,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $480,000 n/a 0.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $175,000 $480,000 174.3% 0.1%
    CHURCHILL MORTGAGE CORPORATION $525,000 $470,000 -10.5% 0.1%
    Inwood National Bank $445,000 n/a 0.1%
    AmeriHome Mortgage Company, LLC $125,000 $430,000 244.0% 0.1%
    GUIDANCE RESIDENTIAL, LLC $425,000 n/a 0.1%
    City National Bank $405,000 n/a 0.1%
    Oakstar Bank $380,000 n/a 0.1%
    Sierra Pacific Mortgage Company, Inc. $370,000 $380,000 2.7% 0.1%
    Ally Bank $705,000 $375,000 -46.8% 0.1%
    PROVIDENT FUNDING ASSOCIATES, L.P. $185,000 $375,000 102.7% 0.1%
    Enterprise Bank & Trust $420,000 $370,000 -11.9% 0.1%
    Carrollton Bank $365,000 n/a 0.1%
    Figure Lending LLC $240,000 $360,000 50.0% 0.1%
    Busey Bank $355,000 n/a 0.1%
    Evolve Bank & Trust $355,000 n/a 0.1%
    River Region Credit Union $610,000 $340,000 -44.3% 0.1%
    First Midwest Bank of Poplar Bluff $435,000 $335,000 -23.0% 0.1%
    Morgan Stanley Private Bank $335,000 n/a 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $385,000 $335,000 -13.0% 0.1%
    M&T Bank $85,000 $330,000 288.2% 0.1%
    First Federal Bank $325,000 n/a 0.1%
    Petefish, Skiles & Co. $320,000 n/a 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $985,000 $315,000 -68.0% 0.1%
    Flanagan State Bank $700,000 $315,000 -55.0% 0.1%
    Mid-Continent Funding, Inc. $675,000 $310,000 -54.1% 0.1%
    Discover Bank $195,000 $305,000 56.4% 0.1%
    FIRST COMMUNITY $405,000 $305,000 -24.7% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $475,000 $305,000 -35.8% 0.1%
    CMG MORTGAGE, INC. $550,000 $295,000 -46.4% 0.1%
    Ozarks Federal Savings and Loan Association $90,000 $295,000 227.8% 0.1%
    SIRVA MORTGAGE, INC. $295,000 n/a 0.1%
    Chicago Mortgage Solutions LLC $290,000 n/a 0.1%
    First State Bank of St. Charles, Missouri $815,000 $285,000 -65.0% 0.1%
    The Central Trust Bank $545,000 $280,000 -48.6% 0.1%
    FRONTIER FINANCIAL, INC. $400,000 $265,000 -33.8% 0.1%
    Farm Credit Mid-America, ACA $405,000 $260,000 -35.8% 0.1%
    EVERETT FINANCIAL, INC. $255,000 n/a 0.1%
    JAMES B. NUTTER & COMPANY $255,000 n/a 0.1%
    THE MONEY SOURCE INC. $255,000 n/a 0.1%
    The Paducah Bank and Trust Company $255,000 n/a 0.1%
    LEADERONE FINANCIAL CORPORATION $1,815,000 $245,000 -86.5% 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $85,000 $225,000 164.7% 0.0%
    Barrington Bank & Trust Company, N.A. $510,000 $220,000 -56.9% 0.0%
    FIRST INTEGRITY MORTGAGE SERVICES, INC. $220,000 n/a 0.0%
    HOMESTAR FINANCIAL CORPORATION $205,000 n/a 0.0%
    ROYAL UNITED MORTGAGE LLC $645,000 $205,000 -68.2% 0.0%
    Springfield First Community Bank $245,000 $205,000 -16.3% 0.0%
    Sullivan Bank $425,000 $205,000 -51.8% 0.0%
    MUTUAL OF OMAHA MORTGAGE, INC. $1,775,000 $200,000 -88.7% 0.0%
    T2 FINANCIAL LLC $195,000 n/a 0.0%
    CITIZENS EQUITY FIRST $190,000 n/a 0.0%
    KELLER MORTGAGE, LLC $185,000 n/a 0.0%
    PEOPLES BANK & TRUST CO. $175,000 n/a 0.0%
    People's Savings Bank of Rhineland $175,000 n/a 0.0%
    First Bank $185,000 $165,000 -10.8% 0.0%
    Midwest Mortgage Associates Corporation $315,000 $165,000 -47.6% 0.0%
    Fifth Third Bank $150,000 n/a 0.0%
    SOUTHWEST FUNDING, LP $260,000 $145,000 -44.2% 0.0%
    First Bank & Trust $135,000 n/a 0.0%
    First Option Bank $135,000 n/a 0.0%
    SUCCESS MORTGAGE PARTNERS, INC. $135,000 n/a 0.0%
    The Huntington National Bank $135,000 n/a 0.0%
    VANTAGE Credit Union $135,000 n/a 0.0%
    COMMUNITY MORTGAGE, LLC $215,000 $125,000 -41.9% 0.0%
    Peoples National Bank , N.A. $145,000 $125,000 -13.8% 0.0%
    The Bradford National Bank of Greenville $125,000 n/a 0.0%
    Fidelity Bank $115,000 n/a 0.0%
    Financial Funding Solutions, Inc. $115,000 n/a 0.0%
    FCB Banks $125,000 $105,000 -16.0% 0.0%
    Citibank $95,000 n/a 0.0%
    NORTHERN MORTGAGE SERVICES, LLC $95,000 n/a 0.0%
    LENDINGHOME FUNDING CORPORATION $75,000 n/a 0.0%
    First National Bank $65,000 n/a 0.0%
    Centier Bank $60,000 n/a 0.0%
    TOGETHER CREDIT UNION $440,000 $60,000 -86.4% 0.0%
    CENTRAL MISSOURI COMMUNITY CREDIT UNION $55,000 n/a 0.0%
    IAA Credit Union $55,000 n/a 0.0%
    Town & Country Banc Mortgage Services, Inc. $45,000 n/a 0.0%
    HealthCare Associates Credit Union $35,000 n/a 0.0%
    KINECTA $35,000 n/a 0.0%

    CAPE GIRARDEAU's top lender by overall market share is The Bank of Missouri, with 9.8% market share. In second place, with 6.0%, is Wells Fargo Bank, having originated $27,765,000 in loans. In third place, with 5.4%, is First State Community Bank, having originated $24,735,000 in loans. In fourth place, with 5.3%, is DAS Acquisition Company, LLC, having originated $24,520,000 in loans. In fifth place, with 5.0%, is TBK BANK, SSB, having originated $23,005,000 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 (0.8%) $230,251 (4.7%) 0.00 417
    2018-02-01 $164,950 (2.5%) $231,184 (6.3%) 0.00 419
    2018-03-01 $164,900 (3.2%) $230,109 (1.1%) 0.00 411
    2018-04-01 $164,400 (2.8%) $233,873 (0.6%) 0.00 412
    2018-05-01 $169,450 (4.7%) $242,515 (-2.9%) 0.00 408
    2018-06-01 $175,250 (4.6%) $250,859 (-0.7%) 0.00 422
    2018-07-01 $175,000 (4.2%) $253,821 (-0.5%) 0.00 455
    2018-08-01 $175,000 (9.4%) $249,144 (1.1%) 0.00 457
    2018-09-01 $169,900 (9.6%) $246,664 (3.9%) 0.00 429
    2018-10-01 $175,075 (16.8%) $253,242 (9.8%) 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 (5.6%) $261,280 (11.7%) 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%) $278,995 (12.0%) 0.00 370
    2019-09-01 $196,575 (15.7%) $277,952 (12.7%) 0.00 372
    2019-10-01 $197,925 (13.1%) $274,628 (8.4%) 0.00 374
    2019-11-01 $189,900 (7.4%) $265,851 (4.0%) 0.00 371
    2019-12-01 $177,425 (2.9%) $253,830 (2.3%) 0.00 379
    2020-01-01 $169,900 (0.0%) $267,228 (8.6%) 0.00 349
    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%) $285,579 (1.9%) 0.00 287
    2020-08-01 $179,700 (-6.6%) $278,532 (-0.2%) 0.00 253
    2020-09-01 $169,700 (-13.7%) $275,521 (-0.9%) 0.00 249
    2020-10-01 $169,900 (-14.2%) $272,380 (-0.8%) 0.00 241
    2020-11-01 $154,650 (-18.6%) $250,325 (-5.8%) 0.00 234
    2020-12-01 $159,950 (-9.9%) $256,290 (1.0%) 0.00 211
    2021-01-01 $164,950 (-2.9%) $273,358 (2.3%) 0.00 181
    2021-02-01 $158,425 (-12.0%) $282,607 (2.6%) 0.00 143
    2021-03-01 $173,050 (2.2%) $312,949 (20.2%) 0.00 125
    2021-04-01 $179,425 (5.6%) $316,561 (20.1%) 0.00 131
    2021-05-01 $199,000 (4.8%) $350,882 (22.6%) 0.00 119
    2021-06-01 $199,950 (1.7%) $354,643 (19.7%) 0.00 118
    2021-07-01 $224,950 (16.0%) $344,270 (20.6%) 0.00 123
    2021-08-01 $226,875 (26.3%) $341,085 (22.5%) 0.00 124
    2021-09-01 $236,125 (39.1%) $339,838 (23.3%) 0.00 139
    2021-10-01 $234,900 (38.3%) $342,690 (25.8%) 0.00 146
    2021-11-01 $223,500 (44.5%) $342,074 (36.7%) 0.00 143
    2021-12-01 $236,975 (48.2%) $368,584 (43.8%) 0.00 108
    2022-01-01 $206,900 (25.4%) $305,106 (11.6%) 0.00 119
    2022-02-01 $171,175 (8.1%) $277,545 (-1.8%) 0.00 124
    2022-03-01 $180,950 (4.6%) $270,374 (-13.6%) 0.00 119
    2022-04-01 $205,000 (14.3%) $287,375 (-9.2%) 0.00 113
    2022-05-01 $228,725 (14.9%) $306,434 (-12.7%) 0.00 130
    2022-06-01 $239,725 (19.9%) $327,369 (-7.7%) 0.00 146
    2022-07-01 $249,950 (11.1%) $340,474 (-1.1%) 0.00 154
    2022-08-01 $275,000 (21.2%) $353,249 (3.6%) 0.00 146
    2022-09-01 $276,000 (16.9%) $348,632 (2.6%) 0.00 141
    2022-10-01 $269,750 (14.8%) $338,748 (-1.2%) 0.00 170
    2022-11-01 $275,000 (23.0%) $345,791 (1.1%) 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 (-2.0%) 0.00 174
    2023-08-01 $278,750 (1.4%) $330,733 (-6.4%) 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
    CAPE GIRARDEAU's median listing price for 2023-10-01 was $261,175, a difference of $-8,575 (-3.2%) versus the prior year and $-4,775 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 2023-10-01 was $335,154, a difference of $-3,594 (-1.1%) versus the prior year and $5,977 versus the prior month.

    For the 2023-10-01 period, CAPE GIRARDEAU had 180 MLS listings, a difference of -10 listings (-5%) versus the prior month and 10 listings (6%) 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 1,542 sqft
    2018-02-01 0 days 1,602 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 1,602 sqft
    2018-07-01 0 days 1,608 sqft
    2018-08-01 0 days 1,605 sqft
    2018-09-01 0 days 1,568 sqft
    2018-10-01 0 days 1,570 sqft
    2018-11-01 0 days 1,594 sqft
    2018-12-01 0 days 1,569 sqft
    2019-01-01 0 days 1,568 sqft
    2019-02-01 0 days 1,583 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 1,604 sqft
    2019-07-01 0 days 1,609 sqft
    2019-08-01 0 days 1,625 sqft
    2019-09-01 0 days 1,643 sqft
    2019-10-01 0 days 1,648 sqft
    2019-11-01 0 days 1,629 sqft
    2019-12-01 0 days 1,599 sqft
    2020-01-01 0 days 1,552 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 1,900 sqft
    2020-06-01 0 days 1,979 sqft
    2020-07-01 0 days 1,955 sqft
    2020-08-01 0 days 1,862 sqft
    2020-09-01 0 days 1,792 sqft
    2020-10-01 0 days 1,873 sqft
    2020-11-01 0 days 1,841 sqft
    2020-12-01 0 days 1,702 sqft
    2021-01-01 0 days 1,721 sqft
    2021-02-01 0 days 1,766 sqft
    2021-03-01 0 days 1,698 sqft
    2021-04-01 0 days 1,736 sqft
    2021-05-01 0 days 1,882 sqft
    2021-06-01 0 days 1,994 sqft
    2021-07-01 0 days 2,053 sqft
    2021-08-01 0 days 2,028 sqft
    2021-09-01 0 days 2,000 sqft
    2021-10-01 0 days 1,942 sqft
    2021-11-01 0 days 1,843 sqft
    2021-12-01 0 days 1,791 sqft
    2022-01-01 0 days 1,723 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 1,857 sqft
    2022-07-01 0 days 1,941 sqft
    2022-08-01 0 days 2,021 sqft
    2022-09-01 0 days 1,980 sqft
    2022-10-01 0 days 1,912 sqft
    2022-11-01 0 days 1,870 sqft
    2022-12-01 0 days 1,807 sqft
    2023-01-01 0 days 1,761 sqft
    2023-02-01 0 days 1,730 sqft
    2023-03-01 0 days 1,805 sqft
    2023-04-01 0 days 1,845 sqft
    2023-05-01 0 days 1,896 sqft
    2023-06-01 0 days 1,920 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
    CAPE GIRARDEAU's median listing age (time on market) for 2023-10-01 was 0 days.

    CAPE GIRARDEAU's median square footage for active listings during the 2023-10-01 period was 1,833 sqft. One year prior, the average listing was 1,912 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 $610 $710 $920 $1,310 $1,420
    62952 Cape Girardeau, MO-IL $490 $570 $740 $1,040 $1,140
    62957 Cape Girardeau, MO-IL $560 $650 $840 $1,190 $1,300
    62962 Cape Girardeau, MO-IL $550 $640 $830 $1,180 $1,290
    62969 Cape Girardeau, MO-IL $530 $620 $800 $1,140 $1,240
    62988 Cape Girardeau, MO-IL $490 $570 $740 $1,040 $1,140
    62990 Cape Girardeau, MO-IL $490 $570 $740 $1,040 $1,140
    62992 Cape Girardeau, MO-IL $490 $570 $740 $1,040 $1,140
    62993 Cape Girardeau, MO-IL $500 $590 $760 $1,080 $1,180
    63655 Cape Girardeau, MO-IL $510 $590 $770 $1,090 $1,190
    63662 Cape Girardeau, MO-IL $520 $610 $790 $1,120 $1,220
    63701 Cape Girardeau, MO-IL $540 $620 $810 $1,150 $1,250
    63702 Cape Girardeau, MO-IL $540 $630 $820 $1,160 $1,270
    63703 Cape Girardeau, MO-IL $510 $590 $770 $1,090 $1,190
    63730 Cape Girardeau, MO-IL $490 $570 $740 $1,040 $1,140
    63732 Cape Girardeau, MO-IL $490 $570 $740 $1,040 $1,140
    63739 Cape Girardeau, MO-IL $550 $640 $830 $1,180 $1,290
    63740 Cape Girardeau, MO-IL $490 $570 $740 $1,040 $1,140
    63743 Cape Girardeau, MO-IL $590 $680 $880 $1,250 $1,370
    63744 Cape Girardeau, MO-IL $490 $570 $740 $1,040 $1,140
    63745 Cape Girardeau, MO-IL $520 $600 $780 $1,110 $1,210
    63747 Cape Girardeau, MO-IL $530 $620 $810 $1,140 $1,250
    63750 Cape Girardeau, MO-IL $490 $580 $750 $1,050 $1,150
    63751 Cape Girardeau, MO-IL $530 $620 $800 $1,140 $1,240
    63752 Cape Girardeau, MO-IL $540 $630 $820 $1,160 $1,270
    63755 Cape Girardeau, MO-IL $580 $680 $880 $1,250 $1,360
    63760 Cape Girardeau, MO-IL $500 $580 $760 $1,070 $1,170
    63764 Cape Girardeau, MO-IL $490 $570 $740 $1,040 $1,140
    63766 Cape Girardeau, MO-IL $560 $660 $850 $1,210 $1,320
    63769 Cape Girardeau, MO-IL $590 $690 $890 $1,260 $1,380
    63770 Cape Girardeau, MO-IL $560 $660 $850 $1,200 $1,310
    63771 Cape Girardeau, MO-IL $490 $570 $740 $1,040 $1,140
    63775 Cape Girardeau, MO-IL $490 $570 $740 $1,040 $1,140
    63779 Cape Girardeau, MO-IL $540 $630 $820 $1,160 $1,270
    63780 Cape Girardeau, MO-IL $540 $630 $820 $1,160 $1,270
    63781 Cape Girardeau, MO-IL $570 $660 $860 $1,220 $1,330
    63782 Cape Girardeau, MO-IL $490 $570 $740 $1,040 $1,140
    63785 Cape Girardeau, MO-IL $540 $620 $810 $1,150 $1,250
    63787 Cape Girardeau, MO-IL $490 $570 $740 $1,040 $1,140
    63960 Cape Girardeau, MO-IL $490 $570 $740 $1,040 $1,140

    2022 Average & Median Rent Data Statistics
    CAPE GIRARDEAU, MO-IL average 1BR rent: $610, median: $605
    CAPE GIRARDEAU, MO-IL average 2BR rent: $792, median: $785
    CAPE GIRARDEAU, MO-IL average 3BR rent: $1,120, median: $1,115

    CAPE GIRARDEAU, MO-IL Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,251 $263,515,000 $210,643
    Refi 402 $131,090,000 $326,095
    Cash Out Refi 248 $41,790,000 $168,508
    Home Improvement 180 $12,140,000 $67,444
    Other 134 $10,970,000 $81,866

    Cape Girardeau's most frequently cited loan purpose was Home Purchase, with 1,251 originations. The 2nd most popular reason was Refi, with 402 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 443 $102,215,000 $230,734
    4-5% 440 $91,920,000 $208,909
    3-4% 424 $89,600,000 $211,321
    6-7% 225 $36,795,000 $163,533
    2.5-3% 112 $18,400,000 $164,286
    7-8% 63 $9,545,000 $151,508
    Over 8% 35 $1,995,000 $57,000
    <2.5% 22 $4,610,000 $209,545

    During 2022, Cape Girardeau's most frequently originated rate bucket was 5-6%, with 443 originations.

    Loan Sizing (CAPE GIRARDEAU, MO-IL MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 833 $122,125,000 $146,609
    $100,000 or less 671 $39,815,000 $59,337
    $200k-400k 560 $149,690,000 $267,304
    $400k-600k 95 $44,965,000 $473,316
    $600k-1000k 38 $28,390,000 $747,105
    $Over $1MM 18 $74,520,000 $4,140,000

    CAPE GIRARDEAU's loan sizing saw the bucket of loans from $100k-200k with 833 originations, totaling $122,125,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 835 $175,685,000 $210,401
    60-80% 439 $98,045,000 $223,337
    40-60% 188 $30,540,000 $162,447
    20-40% 157 $39,315,000 $250,414
    Under 20% 123 $5,905,000 $48,008
    Over 100% 17 $4,765,000 $280,294

    CAPE GIRARDEAU's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 835 originations, totaling $175,685,000 in origination value.