LAKE COUNTY - KENOSHA COUNTY Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Lake County - Kenosha County averaged 7.2% 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 7.18% and one month ago for the week of 2024-03-14, the average rate was 6.74%.

    Lake County - Kenosha County's average rate one year ago was 6.47%.

    For refis of the same type during the week of 2024-04-18, the average rate was 7.2%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-04-18 7.1%
    Lake County - Kenosha County 30 Year Fixed Rate 2024-04-18 7.2%
    Lake County - Kenosha County 30 Year Fixed Rate Refi 2024-04-18 7.2%
    Lake County - Kenosha County 15 Year Fixed Rate 2024-04-18 6.59%
    Lake County - Kenosha County 15 Year Fixed Rate Refi 2024-04-18 6.39%
    Lake County - Kenosha County 30 Year FHA 2024-04-18 6.86%
    Lake County - Kenosha County 30 Year FHA 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 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 2023 Avg. 30yFix Rate 2023 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 2022 Loan Value 2023 Loan Value % Change 2023 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%) $450,198 (4.4%) 1.06 27,462
    2018-02-01 $302,450 (6.1%) $469,270 (4.1%) 1.10 27,948
    2018-03-01 $325,000 (8.5%) $488,491 (5.1%) 1.14 29,774
    2018-04-01 $330,000 (6.8%) $492,259 (4.2%) 1.12 31,628
    2018-05-01 $334,400 (5.3%) $489,942 (3.3%) 1.12 33,742
    2018-06-01 $329,999 (3.9%) $482,120 (2.3%) 1.10 36,367
    2018-07-01 $324,950 (3.2%) $471,211 (1.1%) 1.09 38,489
    2018-08-01 $319,700 (6.2%) $460,166 (1.2%) 1.07 39,562
    2018-09-01 $315,000 (5.0%) $453,664 (0.9%) 1.06 40,227
    2018-10-01 $309,950 (3.4%) $448,859 (-0.6%) 1.05 39,897
    2018-11-01 $299,950 (1.8%) $445,523 (-0.6%) 1.02 37,550
    2018-12-01 $295,000 (2.3%) $437,492 (-1.1%) 1.02 32,861
    2019-01-01 $295,950 (3.0%) $440,629 (-2.1%) 1.02 29,958
    2019-02-01 $309,500 (2.3%) $462,206 (-1.5%) 1.05 30,301
    2019-03-01 $324,429 (-0.2%) $476,331 (-2.5%) 1.06 32,305
    2019-04-01 $338,000 (2.4%) $485,274 (-1.4%) 1.07 34,403
    2019-05-01 $339,250 (1.5%) $480,555 (-1.9%) 1.06 36,832
    2019-06-01 $335,000 (1.5%) $475,597 (-1.4%) 1.05 38,918
    2019-07-01 $329,950 (1.5%) $468,106 (-0.7%) 1.03 40,388
    2019-08-01 $324,413 (1.5%) $459,228 (-0.2%) 1.03 40,814
    2019-09-01 $318,556 (1.1%) $452,742 (-0.2%) 1.02 40,712
    2019-10-01 $314,250 (1.4%) $448,126 (-0.2%) 1.01 40,421
    2019-11-01 $304,900 (1.7%) $442,261 (-0.7%) 1.00 36,899
    2019-12-01 $299,000 (1.4%) $438,810 (0.3%) 1.00 31,661
    2020-01-01 $299,450 (1.2%) $441,973 (0.3%) 1.00 28,836
    2020-02-01 $315,000 (1.8%) $464,365 (0.5%) 1.03 29,381
    2020-03-01 $325,000 (0.2%) $473,384 (-0.6%) 1.02 29,997
    2020-04-01 $323,400 (-4.3%) $463,299 (-4.5%) 1.01 28,555
    2020-05-01 $329,000 (-3.0%) $474,902 (-1.2%) 1.00 28,624
    2020-06-01 $336,085 (0.3%) $486,544 (2.3%) 0.99 28,543
    2020-07-01 $339,997 (3.1%) $494,375 (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%) $497,662 (11.1%) 0.97 27,446
    2020-11-01 $331,995 (8.9%) $494,847 (11.9%) 0.97 24,897
    2020-12-01 $325,000 (8.7%) $492,399 (12.2%) 0.97 21,084
    2021-01-01 $325,000 (8.5%) $502,827 (13.8%) 0.97 18,121
    2021-02-01 $339,450 (7.8%) $540,781 (16.5%) 0.99 16,161
    2021-03-01 $349,000 (7.4%) $548,858 (15.9%) 0.99 15,877
    2021-04-01 $349,900 (8.2%) $548,921 (18.5%) 0.95 16,543
    2021-05-01 $350,000 (6.4%) $545,338 (14.8%) 0.93 17,476
    2021-06-01 $350,000 (4.1%) $534,224 (9.8%) 0.92 19,693
    2021-07-01 $349,000 (2.7%) $518,631 (4.9%) 0.92 21,816
    2021-08-01 $337,450 (-2.2%) $497,342 (-0.4%) 0.90 22,741
    2021-09-01 $329,900 (-4.0%) $488,052 (-2.8%) 0.88 22,674
    2021-10-01 $325,900 (-4.1%) $484,835 (-2.6%) 0.87 21,992
    2021-11-01 $319,950 (-3.6%) $482,043 (-2.6%) 0.86 19,187
    2021-12-01 $312,250 (-3.9%) $476,999 (-3.1%) 0.85 15,720
    2022-01-01 $310,000 (-4.6%) $489,349 (-2.7%) 0.84 12,838
    2022-02-01 $322,500 (-5.0%) $513,937 (-5.0%) 0.84 11,726
    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 (-1.8%) 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%) $502,164 (2.9%) 0.79 19,797
    2022-10-01 $339,700 (4.2%) $498,038 (2.7%) 0.80 19,804
    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%) 0.81 12,900
    2023-03-01 $352,400 (6.0%) $544,425 (4.0%) 0.83 12,275
    2023-04-01 $369,000 (5.5%) $567,358 (6.7%) 0.86 11,825
    2023-05-01 $376,238 (6.0%) $591,637 (10.5%) 0.85 12,109
    2023-06-01 $382,500 (6.3%) $589,573 (11.2%) 0.86 13,082
    2023-07-01 $389,000 (11.1%) $586,899 (14.3%) 0.88 13,965
    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
    2023-10-01 $369,950 (8.9%) $559,841 (12.4%) 0.87 15,411
    2023-11-01 $360,000 (9.1%) $548,387 (11.8%) 0.86 15,247
    2023-12-01 $350,000 (8.6%) $534,697 (11.1%) 0.85 13,309
    2024-01-01 $350,448 (7.0%) $547,765 (11.1%) 0.86 11,660
    2024-02-01 $359,950 (6.7%) $573,169 (10.7%) 0.87 11,176
    2024-03-01 $374,900 (6.4%) $593,109 (8.9%) 0.88 11,333
    LAKE COUNTY - KENOSHA COUNTY's median listing price for 2024-03-01 was $374,900, a difference of $22,500 (6.4%) versus the prior year and $14,950 versus the prior month.

    LAKE COUNTY - KENOSHA COUNTY's median listing price comes in at 88% of the national average.

    LAKE COUNTY - KENOSHA COUNTY's average listing price for 2024-03-01 was $593,109, a difference of $48,684 (8.9%) versus the prior year and $19,940 versus the prior month.

    For the 2024-03-01 period, LAKE COUNTY - KENOSHA COUNTY had 11,333 MLS listings, a difference of 157 listings (1%) versus the prior month and -942 listings (-8%) 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 1,951 sqft
    2018-03-01 43 days 2,000 sqft
    2018-04-01 40 days 2,015 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 1,966 sqft
    2018-10-01 51 days 1,934 sqft
    2018-11-01 56 days 1,901 sqft
    2018-12-01 67 days 1,865 sqft
    2019-01-01 73 days 1,863 sqft
    2019-02-01 55 days 1,903 sqft
    2019-03-01 43 days 1,962 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 1,971 sqft
    2019-09-01 51 days 1,939 sqft
    2019-10-01 54 days 1,917 sqft
    2019-11-01 61 days 1,900 sqft
    2019-12-01 74 days 1,869 sqft
    2020-01-01 76 days 1,861 sqft
    2020-02-01 45 days 1,915 sqft
    2020-03-01 43 days 1,955 sqft
    2020-04-01 51 days 1,929 sqft
    2020-05-01 59 days 1,950 sqft
    2020-06-01 45 days 1,938 sqft
    2020-07-01 41 days 1,906 sqft
    2020-08-01 40 days 1,872 sqft
    2020-09-01 40 days 1,807 sqft
    2020-10-01 43 days 1,791 sqft
    2020-11-01 50 days 1,731 sqft
    2020-12-01 58 days 1,700 sqft
    2021-01-01 64 days 1,680 sqft
    2021-02-01 45 days 1,679 sqft
    2021-03-01 40 days 1,676 sqft
    2021-04-01 33 days 1,692 sqft
    2021-05-01 33 days 1,700 sqft
    2021-06-01 32 days 1,726 sqft
    2021-07-01 33 days 1,728 sqft
    2021-08-01 36 days 1,702 sqft
    2021-09-01 38 days 1,690 sqft
    2021-10-01 40 days 1,670 sqft
    2021-11-01 45 days 1,642 sqft
    2021-12-01 53 days 1,602 sqft
    2022-01-01 59 days 1,600 sqft
    2022-02-01 39 days 1,600 sqft
    2022-03-01 34 days 1,624 sqft
    2022-04-01 30 days 1,656 sqft
    2022-05-01 29 days 1,700 sqft
    2022-06-01 30 days 1,725 sqft
    2022-07-01 32 days 1,733 sqft
    2022-08-01 36 days 1,725 sqft
    2022-09-01 40 days 1,709 sqft
    2022-10-01 40 days 1,710 sqft
    2022-11-01 44 days 1,703 sqft
    2022-12-01 54 days 1,700 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 1,782 sqft
    2023-05-01 34 days 1,800 sqft
    2023-06-01 34 days 1,801 sqft
    2023-07-01 36 days 1,815 sqft
    2023-08-01 36 days 1,801 sqft
    2023-09-01 37 days 1,800 sqft
    2023-10-01 37 days 1,794 sqft
    2023-11-01 41 days 1,778 sqft
    2023-12-01 50 days 1,758 sqft
    2024-01-01 56 days 1,759 sqft
    2024-02-01 40 days 1,763 sqft
    2024-03-01 33 days 1,800 sqft
    LAKE COUNTY - KENOSHA COUNTY's median listing age (time on market) for 2024-03-01 was 33 days. This is -18% shorter than the same period one year ago.

    LAKE COUNTY - KENOSHA COUNTY's median square footage for active listings during the 2024-03-01 period was 1,800 sqft. One year prior, the average listing was 1,744 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