NASSAU COUNTY - SUFFOLK COUNTY Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Nassau County - Suffolk County averaged 6.57% for the week of 2025-07-03, compared to the national average of 6.67% for the same period.

The average rate for the prior week (2025-06-26) was 6.77% and one month ago for the week of 2025-05-29, the average rate was 6.79%.

Nassau County - Suffolk County's average rate one year ago was 6.86%.

For refis of the same type during the week of 2025-07-03, the average rate was 7.37%.

Loan Type Date Rate
US 30 Year Fixed Rate 2025-07-03 6.67%
Nassau County - Suffolk County 30 Year Fixed Rate 2025-07-03 6.57%
Nassau County - Suffolk County 30 Year Fixed Rate Refi 2025-07-03 7.37%
Nassau County - Suffolk County 15 Year Fixed Rate 2025-07-03 6%
Nassau County - Suffolk County 15 Year Fixed Rate Refi 2025-07-03 6%
Nassau County - Suffolk County 30 Year FHA 2025-07-03 -0.1%
Nassau County - Suffolk County 30 Year FHA Refi 2025-07-03 0.2%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within NASSAU COUNTY-SUFFOLK COUNTY, NY.

NASSAU COUNTY - SUFFOLK 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 NASSAU COUNTY-SUFFOLK COUNTY, NY 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

NASSAU COUNTY-SUFFOLK COUNTY, NY 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


NASSAU COUNTY - SUFFOLK COUNTY Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - NASSAU COUNTY - SUFFOLK 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 $504,500 (12.2%) $1,201,897 (11.3%) 1.87 47,166
2018-02-01 $525,000 (13.2%) $1,203,837 (6.8%) 1.91 49,645
2018-03-01 $539,900 (11.9%) $1,180,874 (3.9%) 1.89 53,178
2018-04-01 $551,925 (10.6%) $1,177,424 (1.1%) 1.87 56,296
2018-05-01 $569,000 (10.7%) $1,170,846 (1.2%) 1.90 61,351
2018-06-01 $569,500 (9.5%) $1,152,998 (-0.1%) 1.90 64,304
2018-07-01 $564,000 (8.7%) $1,133,502 (-0.8%) 1.88 64,929
2018-08-01 $550,000 (10.1%) $1,099,883 (-1.9%) 1.84 64,092
2018-09-01 $559,000 (10.7%) $1,107,855 (-2.7%) 1.88 64,664
2018-10-01 $559,000 (7.0%) $1,118,438 (-4.1%) 1.89 65,012
2018-11-01 $559,000 (7.6%) $1,130,071 (-3.5%) 1.89 62,638
2018-12-01 $549,000 (7.7%) $1,130,081 (-4.4%) 1.89 56,644
2019-01-01 $545,000 (8.0%) $1,129,579 (-6.0%) 1.88 52,146
2019-02-01 $549,450 (4.7%) $1,141,878 (-5.2%) 1.86 54,158
2019-03-01 $562,429 (4.2%) $1,142,378 (-3.3%) 1.84 57,717
2019-04-01 $579,000 (4.9%) $1,138,134 (-3.3%) 1.84 61,682
2019-05-01 $595,000 (4.6%) $1,143,100 (-2.4%) 1.86 67,046
2019-06-01 $595,000 (4.5%) $1,134,390 (-1.6%) 1.86 68,877
2019-07-01 $582,500 (3.3%) $1,121,491 (-1.1%) 1.82 67,789
2019-08-01 $581,250 (5.7%) $1,115,765 (1.4%) 1.84 66,922
2019-09-01 $583,359 (4.4%) $1,128,472 (1.9%) 1.87 66,095
2019-10-01 $585,000 (4.7%) $1,138,560 (1.8%) 1.89 64,996
2019-11-01 $579,000 (3.6%) $1,151,286 (1.9%) 1.90 61,217
2019-12-01 $579,000 (5.5%) $1,177,565 (4.2%) 1.93 53,425
2020-01-01 $572,350 (5.0%) $1,186,442 (5.0%) 1.91 49,253
2020-02-01 $579,900 (5.5%) $1,189,724 (4.2%) 1.90 50,657
2020-03-01 $599,000 (6.5%) $1,194,646 (4.6%) 1.88 52,118
2020-04-01 $599,000 (3.5%) $1,235,750 (8.6%) 1.88 48,239
2020-05-01 $599,000 (0.7%) $1,210,559 (5.9%) 1.82 47,909
2020-06-01 $607,500 (2.1%) $1,202,446 (6.0%) 1.79 50,565
2020-07-01 $629,500 (8.1%) $1,216,514 (8.5%) 1.82 53,814
2020-08-01 $649,000 (11.7%) $1,257,237 (12.7%) 1.86 53,868
2020-09-01 $649,450 (11.3%) $1,270,263 (12.6%) 1.86 54,158
2020-10-01 $650,000 (11.1%) $1,299,537 (14.1%) 1.86 55,226
2020-11-01 $649,950 (12.3%) $1,314,171 (14.2%) 1.90 51,807
2020-12-01 $649,950 (12.3%) $1,335,674 (13.4%) 1.93 46,561
2021-01-01 $649,900 (13.6%) $1,383,033 (16.6%) 1.94 40,170
2021-02-01 $650,000 (12.1%) $1,406,220 (18.2%) 1.89 38,479
2021-03-01 $649,000 (8.4%) $1,390,012 (16.4%) 1.84 38,238
2021-04-01 $650,000 (8.5%) $1,399,533 (13.3%) 1.76 39,848
2021-05-01 $650,000 (8.5%) $1,387,307 (14.6%) 1.73 42,006
2021-06-01 $649,000 (6.8%) $1,349,941 (12.3%) 1.71 44,487
2021-07-01 $629,000 (-0.1%) $1,307,328 (7.5%) 1.66 44,712
2021-08-01 $622,500 (-4.1%) $1,291,987 (2.8%) 1.66 44,180
2021-09-01 $618,500 (-4.8%) $1,294,946 (1.9%) 1.65 43,158
2021-10-01 $625,000 (-3.9%) $1,312,885 (1.0%) 1.67 43,093
2021-11-01 $625,000 (-3.8%) $1,361,690 (3.6%) 1.67 38,713
2021-12-01 $625,000 (-3.8%) $1,394,618 (4.4%) 1.69 32,598
2022-01-01 $625,000 (-3.8%) $1,504,762 (8.8%) 1.69 27,898
2022-02-01 $644,000 (-0.9%) $1,450,307 (3.1%) 1.67 28,275
2022-03-01 $649,995 (0.2%) $1,458,486 (4.9%) 1.63 30,199
2022-04-01 $669,000 (2.9%) $1,456,215 (4.1%) 1.59 31,856
2022-05-01 $677,000 (4.2%) $1,441,821 (3.9%) 1.55 35,674
2022-06-01 $677,000 (4.3%) $1,388,419 (2.9%) 1.51 38,371
2022-07-01 $669,000 (6.4%) $1,347,598 (3.1%) 1.51 40,503
2022-08-01 $659,000 (5.9%) $1,330,826 (3.0%) 1.52 39,661
2022-09-01 $669,950 (8.3%) $1,378,224 (6.4%) 1.57 39,189
2022-10-01 $675,000 (8.0%) $1,467,986 (11.8%) 1.59 39,578
2022-11-01 $675,000 (8.0%) $1,509,960 (10.9%) 1.62 38,208
2022-12-01 $670,000 (7.2%) $1,533,266 (9.9%) 1.65 33,581
2023-01-01 $672,000 (7.5%) $1,560,973 (3.7%) 1.66 30,337
2023-02-01 $688,972 (7.0%) $1,590,325 (9.7%) 1.66 29,853
2023-03-01 $699,000 (7.5%) $1,602,684 (9.9%) 1.65 29,858
2023-04-01 $701,690 (4.9%) $1,624,018 (11.5%) 1.63 31,008
2023-05-01 $744,500 (10.0%) $1,685,172 (16.9%) 1.69 32,101
2023-06-01 $749,000 (10.6%) $1,637,472 (17.9%) 1.68 32,923
2023-07-01 $745,000 (11.4%) $1,605,600 (19.2%) 1.69 32,747
2023-08-01 $725,000 (10.0%) $1,569,186 (17.9%) 1.66 32,397
2023-09-01 $725,000 (8.2%) $1,554,526 (12.8%) 1.69 34,332
2023-10-01 $737,000 (9.2%) $1,621,804 (10.5%) 1.73 33,514
2023-11-01 $737,400 (9.2%) $1,682,664 (11.4%) 1.76 33,823
2023-12-01 $748,000 (11.6%) $1,777,494 (15.9%) 1.82 28,830
2024-01-01 $749,000 (11.5%) $1,759,249 (12.7%) 1.83 26,598
2024-02-01 $752,500 (9.2%) $1,702,306 (7.0%) 1.81 26,866
2024-03-01 $770,000 (10.2%) $1,696,188 (5.8%) 1.81 28,525
2024-04-01 $775,000 (10.5%) $1,704,077 (4.9%) 1.80 30,602
2024-05-01 $793,676 (6.6%) $1,725,552 (2.4%) 1.81 32,223
2024-06-01 $779,999 (4.1%) $1,658,746 (1.3%) 1.77 33,850
2024-07-01 $775,000 (4.0%) $1,634,047 (1.8%) 1.77 33,665
2024-08-01 $759,000 (4.7%) $1,594,139 (1.6%) 1.77 33,000
2024-09-01 $772,500 (6.6%) $1,659,806 (6.8%) 1.82 34,784
2024-10-01 $774,847 (5.1%) $1,664,983 (2.7%) 1.82 34,793
2024-11-01 $768,000 (4.2%) $1,656,035 (-1.6%) 1.84 33,340
2024-12-01 $750,000 (0.3%) $1,667,772 (-6.2%) 1.86 28,853
2025-01-01 $750,000 (0.1%) $1,679,477 (-4.5%) 1.87 26,691
2025-02-01 $766,889 (1.9%) $1,686,342 (-0.9%) 1.86 27,148
2025-03-01 $780,000 (1.3%) $1,671,028 (-1.5%) 1.84 29,480
2025-04-01 $789,450 (1.9%) $1,651,597 (-3.1%) 1.83 31,571
2025-05-01 $795,000 (0.2%) $1,620,059 (-6.1%) 1.81 35,665
NASSAU COUNTY - SUFFOLK COUNTY's median listing price for 2025-05-01 was $795,000, a difference of $1,324 (0.2%) versus the prior year and $5,550 versus the prior month.

NASSAU COUNTY - SUFFOLK COUNTY's median listing price comes in at 181% of the national average.

NASSAU COUNTY - SUFFOLK COUNTY's average listing price for 2025-05-01 was $1,620,059, a difference of $-105,493 (-6.1%) versus the prior year and $-31,538 versus the prior month.

For the 2025-05-01 period, NASSAU COUNTY - SUFFOLK COUNTY had 35,665 MLS listings, a difference of 4,094 listings (13%) versus the prior month and 3,442 listings (11%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - NASSAU COUNTY - SUFFOLK COUNTY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 83 days 1,843 sqft
2018-02-01 72 days 1,857 sqft
2018-03-01 52 days 1,880 sqft
2018-04-01 50 days 1,894 sqft
2018-05-01 46 days 1,909 sqft
2018-06-01 50 days 1,920 sqft
2018-07-01 59 days 1,920 sqft
2018-08-01 64 days 1,913 sqft
2018-09-01 66 days 1,900 sqft
2018-10-01 63 days 1,888 sqft
2018-11-01 65 days 1,866 sqft
2018-12-01 78 days 1,840 sqft
2019-01-01 82 days 1,821 sqft
2019-02-01 72 days 1,831 sqft
2019-03-01 59 days 1,865 sqft
2019-04-01 50 days 1,904 sqft
2019-05-01 50 days 1,919 sqft
2019-06-01 55 days 1,928 sqft
2019-07-01 64 days 1,920 sqft
2019-08-01 67 days 1,915 sqft
2019-09-01 68 days 1,906 sqft
2019-10-01 69 days 1,900 sqft
2019-11-01 71 days 1,850 sqft
2019-12-01 85 days 1,830 sqft
2020-01-01 90 days 1,817 sqft
2020-02-01 75 days 1,836 sqft
2020-03-01 54 days 1,850 sqft
2020-04-01 71 days 1,854 sqft
2020-05-01 85 days 1,863 sqft
2020-06-01 85 days 1,862 sqft
2020-07-01 47 days 1,803 sqft
2020-08-01 47 days 1,753 sqft
2020-09-01 51 days 1,701 sqft
2020-10-01 51 days 1,684 sqft
2020-11-01 60 days 1,648 sqft
2020-12-01 74 days 1,607 sqft
2021-01-01 84 days 1,566 sqft
2021-02-01 78 days 1,532 sqft
2021-03-01 55 days 1,530 sqft
2021-04-01 44 days 1,542 sqft
2021-05-01 41 days 1,563 sqft
2021-06-01 44 days 1,574 sqft
2021-07-01 47 days 1,584 sqft
2021-08-01 53 days 1,576 sqft
2021-09-01 57 days 1,556 sqft
2021-10-01 57 days 1,530 sqft
2021-11-01 59 days 1,504 sqft
2021-12-01 70 days 1,459 sqft
2022-01-01 79 days 1,428 sqft
2022-02-01 60 days 1,409 sqft
2022-03-01 40 days 1,430 sqft
2022-04-01 39 days 1,450 sqft
2022-05-01 38 days 1,505 sqft
2022-06-01 39 days 1,553 sqft
2022-07-01 44 days 1,566 sqft
2022-08-01 54 days 1,550 sqft
2022-09-01 59 days 1,545 sqft
2022-10-01 59 days 1,535 sqft
2022-11-01 62 days 1,525 sqft
2022-12-01 75 days 1,500 sqft
2023-01-01 82 days 1,483 sqft
2023-02-01 75 days 1,480 sqft
2023-03-01 55 days 1,483 sqft
2023-04-01 50 days 1,488 sqft
2023-05-01 48 days 1,500 sqft
2023-06-01 51 days 1,516 sqft
2023-07-01 54 days 1,540 sqft
2023-08-01 59 days 1,543 sqft
2023-09-01 60 days 1,548 sqft
2023-10-01 56 days 1,549 sqft
2023-11-01 58 days 1,551 sqft
2023-12-01 71 days 1,530 sqft
2024-01-01 79 days 1,500 sqft
2024-02-01 69 days 1,496 sqft
2024-03-01 50 days 1,500 sqft
2024-04-01 45 days 1,500 sqft
2024-05-01 44 days 1,530 sqft
2024-06-01 47 days 1,550 sqft
2024-07-01 52 days 1,563 sqft
2024-08-01 58 days 1,550 sqft
2024-09-01 57 days 1,556 sqft
2024-10-01 54 days 1,550 sqft
2024-11-01 59 days 1,535 sqft
2024-12-01 73 days 1,494 sqft
2025-01-01 77 days 1,482 sqft
2025-02-01 68 days 1,473 sqft
2025-03-01 48 days 1,488 sqft
2025-04-01 45 days 1,493 sqft
2025-05-01 45 days 1,500 sqft
NASSAU COUNTY - SUFFOLK COUNTY's median listing age (time on market) for 2025-05-01 was 45 days. This is 3% longer than the same period one year ago.

NASSAU COUNTY - SUFFOLK COUNTY's median square footage for active listings during the 2025-05-01 period was 1,500 sqft. One year prior, the average listing was 1,530 sqft.

NASSAU COUNTY-SUFFOLK COUNTY, NY Market Loan Reason

Loan Purpose Originations Total Value Average Loan

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan

Loan Sizing (NASSAU COUNTY-SUFFOLK COUNTY, NY MSA)

Loan Size Originations Total Value Average Loan

LTV Distribution

Loan to Value Originations Total Value Average Loan