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 |