OWENSBORO Mortgage Rates & Closing Costs

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

30 Year Fixed Rate mortgages in Owensboro averaged 6.52% for the week of 2023-05-25, compared to the national average of 6.57% for the same period.

The average rate for the prior week (2023-05-18) was 6.04% and one month ago for the week of 2023-04-20, the average rate was 6.04%.

Owensboro's average rate one year ago was 4.8%.

For refis of the same type during the week of 2023-05-25, the average rate was 5.64%.

Loan Type Date Rate
US 30 Year Fixed Rate 2023-05-25 6.57%
Owensboro 30 Year Fixed Rate 2023-05-25 6.52%
Owensboro 30 Year Fixed Rate Refi 2023-05-25 5.64%
Owensboro 15 Year Fixed Rate 2023-05-25 5.95%
Owensboro 15 Year Fixed Rate Refi 2023-05-25 6.05%
Owensboro 30 Year FHA 2023-05-25 6.15%
Owensboro 30 Year FHA Refi 2023-05-25 6.41%
Owensboro 30 Year USDA 2023-05-25 6.43%
Owensboro 30 Year USDA Refi 2023-05-25 6.63%
Owensboro 30 Year VA 2023-05-25 6.08%
Owensboro 30 Year VA Refi 2023-05-25 6.31%
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within OWENSBORO, KY.

OWENSBORO 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 OWENSBORO, KY 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
EVANSVILLE TEACHERS 366 4.92% $2,988
Independence Bank of Kentucky 84 4.55% $2,474
U.S. Bank 84 5.24% $2,946
FBC MORTGAGE, LLC 52 5.26% $5,006
QUICKEN LOANS, LLC 44 5.07% $5,601
Old National Bank 43 4.70% $3,208
German American Bank 41 5.16% $3,387
RUOFF MORTGAGE COMPANY, INC. 40 5.29% $2,862
EVERETT FINANCIAL, INC. 34 5.97% $2,393
UNITED WHOLESALE MORTGAGE, LLC 32 4.73% $5,082
JPMorgan Chase Bank 21 5.19% $3,594
Farm Credit Mid-America, ACA 20 5.19% $7,428
SOUTH CENTRAL BANK, INC. 19 4.88% $2,743
Fifth Third Bank 13 4.95% $3,038
Bank of England 12 4.91% $3,987
Heritage Federal Credit Union 10 5.31% $3,983
Truist 9 4.80% $3,385
AMERISAVE MORTGAGE CORPORATION 9 4.24% $5,348
PENNYMAC LOAN SERVICES, LLC 8 5.42% $6,236
Wells Fargo Bank 8 5.16% $3,989
MOVEMENT MORTGAGE, LLC 8 4.64% $4,095
Mr. Cooper ( Nationstar Mortgage ) 8 5.02% $5,035
PNC Bank 7 4.16% $3,225
PRIMARY RESIDENTIAL MORTGAGE, INC. 7 4.27% $3,971
Citizens Bank 5 4.33% $2,713
LOANDEPOT.COM, LLC 4 4.75% $4,126
BROKER SOLUTIONS, INC. 4 4.84% $5,546
The Huntington National Bank 4 5.22% $6,050
GUARANTY HOME MORTGAGE CORPORATION 4 5.13% $3,199
MORTGAGE MASTERS OF INDIANA, INC. 4 5.97% $3,217
Republic Bank & Trust Company 3 4.33% $4,118
THRIVE MORTGAGE, LLC 3 4.92% $2,992
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 3 5.08% $3,994
HOMESIDE FINANCIAL, LLC 3 5.33% $3,191
Ally Bank 3 3.63% $2,708
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 4.67% $3,036
FIRST COMMUNITY MORTGAGE, INC. 3 8.00% $5,040
Northpointe Bank 3 5.12% $2,975
First National Bank of America 2 6.88% $6,337
Flagstar Bank, FSB 2 4.56% $4,612
Carrington Mortgage Services, LLC 2 4.31% $5,100
SIRVA MORTGAGE, INC. 2 6.25% $0
AMERIFIRST FINANCIAL CORPORATION 2 4.50% $4,542
NAVY FEDERAL CREDIT UNION 2 4.69% $5,318
Sierra Pacific Mortgage Company, Inc. 2 4.25% $4,669
First Federal Savings Bank 2 5.50% $2,938
USAA Federal Savings Bank 2 5.56% $4,823
CARDINAL FINANCIAL 2 3.38% $4,067
ZILLOW HOME LOANS, LLC 1 4.63% $4,593
ALLIANT CREDIT UNION 1 4.00% $3,719
AMERICAN FINANCIAL RESOURCES, INC. 1 3.88% $3,782
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.50% $4,468
ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.63% $708
ASSEMBLIES OF GOD Credit Union 1 5.88% $2,940
Bank of America 1 3.25% $3,189
BEST CAPITAL FUNDING 1 3.75% $3,004
BETTER MORTGAGE CORPORATION 1 3.38% $4,122
BNC National Bank 1 3.75% $2,080
Central Bank & Trust Company 1 5.75% $2,407
CROSSCOUNTRY MORTGAGE, LLC 1 6.38% $3,057
EMM LOANS LLC 1 3.50% $6,616
ENVOY MORTGAGE, LTD 1 3.88% $5,367
First Financial Bank 1 5.63% $2,896
First Horizon Bank 1 5.13% $5,347
First Internet Bank of Indiana 1 7.00% $3,296
FREEDOM MORTGAGE CORPORATION 1 4.25% $5,034
GREAT LAKES 1 4.50% $3,780
Great Southern Bank 1 2.90% $3,484
GVC MORTGAGE, INC. 1 5.00% $4,091
Hometown Lenders, Inc. 1 7.25% $4,000
Ixonia Bank 1 4.75% $10,208
KELLER MORTGAGE, LLC 1 5.75% $2,698
MEMBERS HERITAGE Credit Union 1 3.75% $8,242
MORTGAGE 1 INCORPORATED 1 5.50% $6,018
Mortgage Research Center, LLC 1 6.63% $3,147
MUTUAL OF OMAHA MORTGAGE, INC. 1 6.38% $9,742
North American Savings Bank, F.S.B. 1 4.00% $4,384
OPTION FINANCIAL, LLC 1 4.25% $2,345
Paramount Residential Mortgage Group, Inc. 1 5.99% $4,383
PARTNERS UNITED FINANCIAL, LLC 1 5.63% $3,091
PRIMELENDING, A PLAINSCAPITAL COMPANY 1 4.63% $3,164
PROVIDENT FUNDING ASSOCIATES, L.P. 1 5.13% $4,046
SOUTHWEST FUNDING, LP 1 7.50% $4,637
SOVEREIGN LENDING GROUP INCORPORATED 1 5.50% $6,099
STOCKTON MORTGAGE CORPORATION 1 5.75% $3,940
Stock Yards Bank & Trust Company 1 5.13% $2,776
The Cecilian Bank 1 4.42% $3,129
THE MORTGAGE WAREHOUSE,LLC 1 5.25% $3,230
TOP FLITE FINANCIAL, INC. 1 5.88% $3,060
TRANSCEND 1 5.75% $2,951
Warsaw Federal Savings and Loan Association 1 3.25% $4,672
Wyndham Capital Mortgage, Inc. 1 3.25% $2,584
21ST MORTGAGE CORPORATION 1 6.75% $7,595

OWENSBORO Average Closing Costs & Other Stats

OWENSBORO, KY's 93 lenders originated 3,382 loans during 2022. The total origination value was $543,570,000, with an average loan value of $160,724.

OWENSBORO's average closing costs are $3,810.

The top OWENSBORO lender as defined by loan originations is EVANSVILLE TEACHERS, with 366 loans originated. Their average total fees are $2,988, which is $514 higher than the next largest lender, Independence Bank of Kentucky.

The lowest fee OWENSBORO lenders (with over 10 loans originated) are EVERETT FINANCIAL, INC. ($2,393), Independence Bank of Kentucky ($2,474), SOUTH CENTRAL BANK, INC. ($2,743), RUOFF MORTGAGE COMPANY, INC. ($2,862) and U.S. Bank ($2,946).

The lowest rate OWENSBORO lenders (with over 10 loans originated) are Independence Bank of Kentucky (4.55%), Old National Bank (4.70%), UNITED WHOLESALE MORTGAGE, LLC (4.73%), SOUTH CENTRAL BANK, INC. (4.88%) and Bank of England (4.91%).

OWENSBORO, KY 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
EVANSVILLE TEACHERS $216,220,000 $145,740,000 -32.6% 26.8%
Independence Bank of Kentucky $75,505,000 $56,045,000 -25.8% 10.3%
U.S. Bank $45,080,000 $30,090,000 -33.3% 5.5%
Old National Bank $37,335,000 $26,995,000 -27.7% 5.0%
FBC MORTGAGE, LLC $26,500,000 $24,385,000 -8.0% 4.5%
German American Bank $31,035,000 $21,475,000 -30.8% 4.0%
RUOFF MORTGAGE COMPANY, INC. $50,910,000 $20,940,000 -58.9% 3.9%
QUICKEN LOANS, LLC $38,125,000 $17,925,000 -53.0% 3.3%
SOUTH CENTRAL BANK, INC. $32,625,000 $14,605,000 -55.2% 2.7%
UNITED WHOLESALE MORTGAGE, LLC $20,210,000 $14,340,000 -29.0% 2.6%
Fifth Third Bank $9,375,000 $11,995,000 27.9% 2.2%
EVERETT FINANCIAL, INC. $675,000 $10,400,000 1,440.7% 1.9%
Farm Credit Mid-America, ACA $9,750,000 $8,850,000 -9.2% 1.6%
MOVEMENT MORTGAGE, LLC $3,090,000 $7,780,000 151.8% 1.4%
Truist $13,280,000 $7,705,000 -42.0% 1.4%
Mortgage Research Center, LLC $9,200,000 $7,520,000 -18.3% 1.4%
JPMorgan Chase Bank $6,035,000 $5,845,000 -3.1% 1.1%
PNC Bank $5,260,000 $4,620,000 -12.2% 0.8%
PRIMARY RESIDENTIAL MORTGAGE, INC. $11,945,000 $4,400,000 -63.2% 0.8%
TOP FLITE FINANCIAL, INC. $4,340,000 $3,545,000 -18.3% 0.7%
PENNYMAC LOAN SERVICES, LLC $6,745,000 $3,010,000 -55.4% 0.6%
LOANDEPOT.COM, LLC $5,890,000 $2,975,000 -49.5% 0.5%
AMERISAVE MORTGAGE CORPORATION $7,185,000 $2,735,000 -61.9% 0.5%
Bank of England $3,520,000 $2,725,000 -22.6% 0.5%
Heritage Federal Credit Union $1,450,000 $2,705,000 86.6% 0.5%
The Sacramento Deposit Bank $2,500,000 n/a 0.5%
FAIRWAY INDEPENDENT MORTGAGE CORPORATION $3,790,000 $2,380,000 -37.2% 0.4%
USAA Federal Savings Bank $1,225,000 $2,380,000 94.3% 0.4%
FREEDOM MORTGAGE CORPORATION $13,870,000 $2,275,000 -83.6% 0.4%
Limestone Bank, Inc. $1,600,000 $2,265,000 41.6% 0.4%
Mr. Cooper ( Nationstar Mortgage ) $3,870,000 $2,175,000 -43.8% 0.4%
Wells Fargo Bank $3,170,000 $2,025,000 -36.1% 0.4%
Citizens Bank $2,315,000 $1,855,000 -19.9% 0.3%
HOMESIDE FINANCIAL, LLC $1,455,000 $1,530,000 5.2% 0.3%
Carrington Mortgage Services, LLC $3,485,000 $1,425,000 -59.1% 0.3%
The Huntington National Bank $1,160,000 $1,410,000 21.6% 0.3%
21ST MORTGAGE CORPORATION $1,805,000 $1,370,000 -24.1% 0.3%
MORTGAGE MASTERS OF INDIANA, INC. $855,000 $1,295,000 51.5% 0.2%
Carrollton Bank $1,275,000 n/a 0.2%
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $575,000 $1,200,000 108.7% 0.2%
Farmers Bank and Trust Company $785,000 $1,165,000 48.4% 0.2%
NAVY FEDERAL CREDIT UNION $3,745,000 $1,105,000 -70.5% 0.2%
GUARANTY HOME MORTGAGE CORPORATION $1,575,000 $1,080,000 -31.4% 0.2%
VANDERBILT MORTGAGE AND FINANCE, INC. $710,000 $1,075,000 51.4% 0.2%
AMWEST FUNDING CORP. $1,025,000 n/a 0.2%
BROKER SOLUTIONS, INC. $3,115,000 $980,000 -68.5% 0.2%
Sierra Pacific Mortgage Company, Inc. $10,900,000 $980,000 -91.0% 0.2%
First Financial Bank $95,000 $950,000 900.0% 0.2%
STOCKTON MORTGAGE CORPORATION $2,240,000 $945,000 -57.8% 0.2%
Central Bank & Trust Company $75,000 $935,000 1,146.7% 0.2%
Nations Lending Corporation $125,000 $825,000 560.0% 0.2%
Pinnacle Bank $795,000 n/a 0.1%
Bank of America $575,000 $760,000 32.2% 0.1%
FIELD & MAIN BANK, INC. $1,055,000 $755,000 -28.4% 0.1%
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $690,000 n/a 0.1%
LIMA ONE CAPITAL, LLC $665,000 n/a 0.1%
Equity Prime Mortgage LLC $650,000 n/a 0.1%
GVC MORTGAGE, INC. $350,000 $630,000 80.0% 0.1%
North American Savings Bank, F.S.B. $225,000 $615,000 173.3% 0.1%
Warsaw Federal Savings and Loan Association $595,000 n/a 0.1%
Republic Bank & Trust Company $1,680,000 $590,000 -64.9% 0.1%
CHURCHILL MORTGAGE CORPORATION $945,000 $585,000 -38.1% 0.1%
MUTUAL OF OMAHA MORTGAGE, INC. $1,465,000 $565,000 -61.4% 0.1%
First Federal Savings Bank $65,000 $550,000 746.2% 0.1%
ATLANTIC BAY MORTGAGE GROUP, L.L.C. $545,000 n/a 0.1%
PRIMELENDING, A PLAINSCAPITAL COMPANY $225,000 $535,000 137.8% 0.1%
Magnolia Bank $270,000 $530,000 96.3% 0.1%
The Cecilian Bank $170,000 $515,000 202.9% 0.1%
Ixonia Bank $505,000 n/a 0.1%
Ally Bank $690,000 $495,000 -28.3% 0.1%
Northpointe Bank $185,000 $465,000 151.4% 0.1%
CALIBER HOME LOANS, INC. $1,215,000 $455,000 -62.6% 0.1%
FIRST COMMUNITY MORTGAGE, INC. $705,000 $450,000 -36.2% 0.1%
AMERICAN FINANCIAL RESOURCES, INC. $255,000 $435,000 70.6% 0.1%
THRIVE MORTGAGE, LLC $310,000 $425,000 37.1% 0.1%
Wyndham Capital Mortgage, Inc. $440,000 $425,000 -3.4% 0.1%
MEMBERS HERITAGE Credit Union $415,000 n/a 0.1%
The Federal Savings Bank $565,000 $400,000 -29.2% 0.1%
COMMONWEALTH $100,000 $395,000 295.0% 0.1%
ENVOY MORTGAGE, LTD $385,000 n/a 0.1%
Great Southern Bank $375,000 n/a 0.1%
SIRVA MORTGAGE, INC. $370,000 n/a 0.1%
Barrington Bank & Trust Company, N.A. $960,000 $360,000 -62.5% 0.1%
AMERICAN MORTGAGE SERVICE COMPANY $325,000 $355,000 9.2% 0.1%
MORTGAGE SOLUTIONS OF COLORADO, LLC $350,000 n/a 0.1%
PREMIA MORTGAGE, LLC $345,000 n/a 0.1%
ALLIANT CREDIT UNION $175,000 $340,000 94.3% 0.1%
GUARANTEED RATE AFFINITY, LLC $115,000 $335,000 191.3% 0.1%
RELIANCE FIRST CAPITAL, LLC $175,000 $330,000 88.6% 0.1%
SUN WEST MORTGAGE COMPANY, INC. $540,000 $325,000 -39.8% 0.1%
AMERIFIRST FINANCIAL CORPORATION $1,065,000 $315,000 -70.4% 0.1%
First Federal Bank of the Midwest $315,000 n/a 0.1%
NEW DAY FINANCIAL, LLC $865,000 $315,000 -63.6% 0.1%
PLANET HOME LENDING, LLC $575,000 $315,000 -45.2% 0.1%
SOUTHWEST FUNDING, LP $295,000 $300,000 1.7% 0.1%
First National Bank of America $150,000 $290,000 93.3% 0.1%
M&T Bank $115,000 $280,000 143.5% 0.1%
ARK-LA-TEX FINANCIAL SERVICES, LLC. $225,000 $275,000 22.2% 0.1%
NEWREZ LLC $1,465,000 $275,000 -81.2% 0.1%
LAKEVIEW LOAN SERVICING, LLC $1,550,000 $270,000 -82.6% 0.0%
The Monticello Banking Company $55,000 $270,000 390.9% 0.0%
WesBanco Bank, Inc. $270,000 n/a 0.0%
GREAT LAKES $265,000 n/a 0.0%
THE MORTGAGE WAREHOUSE,LLC $255,000 $265,000 3.9% 0.0%
Servion, Inc. $255,000 n/a 0.0%
CapStar Bank $165,000 $250,000 51.5% 0.0%
Park Lane Finance Solutions, LLC $125,000 $250,000 100.0% 0.0%
ASSEMBLIES OF GOD Credit Union $245,000 n/a 0.0%
DUPACO COMMUNITY $245,000 n/a 0.0%
Low VA Rates, LLC $245,000 n/a 0.0%
National Exchange Bank and Trust $245,000 n/a 0.0%
Paramount Residential Mortgage Group, Inc. $735,000 $245,000 -66.7% 0.0%
CREDIT UNION MORTGAGE ASSOCIATION, INC. $235,000 n/a 0.0%
First Internet Bank of Indiana $235,000 n/a 0.0%
Northwest Federal Credit Union $235,000 n/a 0.0%
OPTION FINANCIAL, LLC $235,000 n/a 0.0%
Stock Yards Bank & Trust Company $545,000 $235,000 -56.9% 0.0%
CMG MORTGAGE, INC. $960,000 $225,000 -76.6% 0.0%
First Horizon Bank $225,000 n/a 0.0%
Hometown Lenders, Inc. $145,000 $215,000 48.3% 0.0%
INDIANA MEMBERS CREDIT UNION $215,000 n/a 0.0%
1ST SIGNATURE LENDING, LLC $545,000 $205,000 -62.4% 0.0%
CRESCENT MORTGAGE COMPANY $205,000 n/a 0.0%
Meade County Bank $205,000 n/a 0.0%
Flagstar Bank, FSB $355,000 $200,000 -43.7% 0.0%
CLASS ACT FEDERAL CREDIT UNION $85,000 $195,000 129.4% 0.0%
CROSSCOUNTRY MORTGAGE, LLC $470,000 $195,000 -58.5% 0.0%
NETWORK CAPITAL FUNDING CORPORATION $195,000 n/a 0.0%
TRIAD FINANCIAL SERVICES, INC. $500,000 $195,000 -61.0% 0.0%
Morgantown Bank & Trust Company, Incorporated $185,000 n/a 0.0%
PROVIDENT FUNDING ASSOCIATES, L.P. $530,000 $185,000 -65.1% 0.0%
Southern Bank of Tennessee $185,000 n/a 0.0%
HOME POINT FINANCIAL CORPORATION $3,175,000 $180,000 -94.3% 0.0%
AMERICAN ADVISORS GROUP $310,000 $175,000 -43.5% 0.0%
PARTNERS UNITED FINANCIAL, LLC $165,000 n/a 0.0%
First Southern National Bank $115,000 $160,000 39.1% 0.0%
GERSHMAN INVESTMENT CORP. $135,000 $160,000 18.5% 0.0%
Abound Federal Credit Union $545,000 $155,000 -71.6% 0.0%
Bank of Edmonson County $155,000 n/a 0.0%
Lakeview Community Capital, LLC $155,000 n/a 0.0%
SUCCESS MORTGAGE PARTNERS, INC. $150,000 n/a 0.0%
UNIVERSITY OF KENTUCKY $395,000 $140,000 -64.6% 0.0%
BEST CAPITAL FUNDING $135,000 n/a 0.0%
BETTER MORTGAGE CORPORATION $1,070,000 $135,000 -87.4% 0.0%
BNC National Bank $135,000 n/a 0.0%
EMM LOANS LLC $135,000 n/a 0.0%
MORTGAGE 1 INCORPORATED $545,000 $135,000 -75.2% 0.0%
Plains Commerce Bank $135,000 n/a 0.0%
The Union Bank Company $185,000 $135,000 -27.0% 0.0%
TRANSCEND $710,000 $135,000 -81.0% 0.0%
Discover Bank $210,000 $125,000 -40.5% 0.0%
SOVEREIGN LENDING GROUP INCORPORATED $125,000 n/a 0.0%
West Point Bank $125,000 n/a 0.0%
KELLER MORTGAGE, LLC $1,010,000 $115,000 -88.6% 0.0%
ZILLOW HOME LOANS, LLC $125,000 $115,000 -8.0% 0.0%
L & N Federal Credit Union $110,000 n/a 0.0%
FirstBank $740,000 $105,000 -85.8% 0.0%
LONGBRIDGE FINANCIAL, LLC $105,000 n/a 0.0%
AMERICAN FINANCING CORPORATION $1,140,000 $95,000 -91.7% 0.0%
FCB Banks $95,000 n/a 0.0%
Planters Bank, Inc. $95,000 n/a 0.0%
MIDWEST LOAN SOLUTIONS, INC. $85,000 n/a 0.0%
First Guaranty Mortgage Corporation $545,000 $75,000 -86.2% 0.0%
REVERSE MORTGAGE FUNDING LLC $75,000 n/a 0.0%
SPRING EQ, LLC $75,000 n/a 0.0%
PHH Mortgage Corporation $210,000 $65,000 -69.0% 0.0%
ROYAL UNITED MORTGAGE LLC $1,015,000 $65,000 -93.6% 0.0%
First Financial Bank $95,000 $55,000 -42.1% 0.0%
Whitaker Bank $55,000 n/a 0.0%
OPEN MORTGAGE, LLC $35,000 n/a 0.0%

OWENSBORO's top lender by overall market share is EVANSVILLE TEACHERS, with 26.8% market share. In second place, with 10.3%, is Independence Bank of Kentucky, having originated $56,045,000 in loans. In third place, with 5.5%, is U.S. Bank, having originated $30,090,000 in loans. In fourth place, with 5.0%, is Old National Bank, having originated $26,995,000 in loans. In fifth place, with 4.5%, is FBC MORTGAGE, LLC, having originated $24,385,000 in loans.


OWENSBORO Housing Market Trends (Median, Average Prices & Listing Count)

Realtor.com - OWENSBORO (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 $176,647 (10.8%) $249,354 (24.7%) 0.00 288
2018-02-01 $176,981 (7.3%) $252,789 (27.8%) 0.00 281
2018-03-01 $174,900 (2.9%) $244,957 (22.0%) 0.00 273
2018-04-01 $178,450 (0.9%) $248,989 (17.6%) 0.00 280
2018-05-01 $178,611 (-2.1%) $252,062 (8.3%) 0.00 281
2018-06-01 $184,900 (6.9%) $323,747 (40.0%) 0.00 301
2018-07-01 $184,900 (7.2%) $315,937 (30.3%) 0.00 326
2018-08-01 $183,400 (0.7%) $308,756 (25.2%) 0.00 346
2018-09-01 $179,950 (5.9%) $305,363 (27.6%) 0.00 347
2018-10-01 $182,400 (9.0%) $301,713 (25.2%) 0.00 358
2018-11-01 $179,900 (9.1%) $298,575 (25.9%) 0.00 357
2018-12-01 $179,900 (9.1%) $306,610 (29.2%) 0.00 318
2019-01-01 $179,560 (1.7%) $311,862 (25.1%) 0.00 302
2019-02-01 $179,911 (1.7%) $310,220 (22.7%) 0.00 290
2019-03-01 $190,950 (9.2%) $328,149 (34.0%) 0.00 273
2019-04-01 $208,700 (17.0%) $336,297 (35.1%) 0.00 261
2019-05-01 $209,725 (17.4%) $327,032 (29.7%) 0.00 262
2019-06-01 $199,900 (8.1%) $321,147 (-0.8%) 0.00 288
2019-07-01 $185,450 (0.3%) $311,611 (-1.4%) 0.00 318
2019-08-01 $184,900 (0.8%) $244,157 (-20.9%) 0.00 331
2019-09-01 $189,900 (5.5%) $244,484 (-19.9%) 0.00 292
2019-10-01 $187,250 (2.7%) $237,863 (-21.2%) 0.00 321
2019-11-01 $179,900 (0.0%) $234,987 (-21.3%) 0.00 312
2019-12-01 $184,900 (2.8%) $237,181 (-22.6%) 0.00 285
2020-01-01 $179,900 (0.2%) $235,181 (-24.6%) 0.00 261
2020-02-01 $186,125 (3.5%) $311,998 (0.6%) 0.00 240
2020-03-01 $177,300 (-7.2%) $307,151 (-6.4%) 0.00 231
2020-04-01 $176,450 (-15.5%) $320,182 (-4.8%) 0.00 215
2020-05-01 $189,453 (-9.7%) $360,468 (10.2%) 0.00 154
2020-06-01 $204,524 (2.3%) $381,550 (18.8%) 0.00 139
2020-07-01 $198,975 (7.3%) $375,026 (20.4%) 0.00 144
2020-08-01 $189,500 (2.5%) $357,732 (46.5%) 0.00 161
2020-09-01 $186,953 (-1.6%) $346,784 (41.8%) 0.00 171
2020-10-01 $189,900 (1.4%) $349,454 (46.9%) 0.00 168
2020-11-01 $191,900 (6.7%) $355,545 (51.3%) 0.00 161
2020-12-01 $190,550 (3.1%) $357,838 (50.9%) 0.00 148
2021-01-01 $193,700 (7.7%) $245,967 (4.6%) 0.00 144
2021-02-01 $194,200 (4.3%) $261,590 (-16.2%) 0.00 116
2021-03-01 $189,800 (7.1%) $252,412 (-17.8%) 0.00 109
2021-04-01 $177,200 (0.4%) $246,955 (-22.9%) 0.00 119
2021-05-01 $199,900 (5.5%) $300,932 (-16.5%) 0.00 104
2021-06-01 $205,400 (0.4%) $285,759 (-25.1%) 0.00 112
2021-07-01 $189,900 (-4.6%) $269,648 (-28.1%) 0.00 130
2021-08-01 $199,925 (5.5%) $262,782 (-26.5%) 0.00 140
2021-09-01 $202,650 (8.4%) $266,914 (-23.0%) 0.00 152
2021-10-01 $199,000 (4.8%) $271,695 (-22.3%) 0.00 136
2021-11-01 $173,150 (-9.8%) $278,097 (-21.8%) 0.00 128
2021-12-01 $196,700 (3.2%) $273,001 (-23.7%) 0.00 130
2022-01-01 $189,500 (-2.2%) $266,264 (8.3%) 0.00 112
2022-02-01 $178,200 (-8.2%) $257,300 (-1.6%) 0.00 102
2022-03-01 $199,900 (5.3%) $263,249 (4.3%) 0.00 102
2022-04-01 $209,500 (18.2%) $277,311 (12.3%) 0.00 97
2022-05-01 $242,400 (21.3%) $294,812 (-2.0%) 0.00 128
2022-06-01 $246,175 (19.9%) $292,614 (2.4%) 0.00 154
2022-07-01 $259,900 (36.9%) $305,176 (13.2%) 0.00 178
2022-08-01 $259,591 (29.8%) $309,316 (17.7%) 0.00 181
2022-09-01 $243,725 (20.3%) $298,960 (12.0%) 0.00 197
2022-10-01 $234,900 (18.0%) $298,324 (9.8%) 0.00 201
2022-11-01 $233,700 (35.0%) $299,014 (7.5%) 0.00 236
2022-12-01 $235,900 (19.9%) $349,357 (28.0%) 0.00 241
2023-01-01 $252,925 (33.5%) $354,002 (33.0%) 0.00 230
2023-02-01 $254,725 (42.9%) $358,436 (39.3%) 0.00 213
2023-03-01 $260,350 (30.2%) $380,004 (44.4%) 0.00 180
2023-04-01 $274,000 (30.8%) $405,666 (46.3%) 0.00 160
OWENSBORO's median listing price for 2023-04-01 was $274,000, a difference of $64,500 (30.8%) versus the prior year and $13,650 versus the prior month.

OWENSBORO's median listing price comes in at 0% of the national average.

OWENSBORO's average listing price for 2023-04-01 was $405,666, a difference of $128,355 (46.3%) versus the prior year and $25,662 versus the prior month.

For the 2023-04-01 period, OWENSBORO had 160 MLS listings, a difference of -20 listings (-11%) versus the prior month and 63 listings (65%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - OWENSBORO (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,909 sqft
2018-02-01 0 days 1,893 sqft
2018-03-01 0 days 1,870 sqft
2018-04-01 0 days 1,933 sqft
2018-05-01 0 days 1,965 sqft
2018-06-01 0 days 1,966 sqft
2018-07-01 0 days 1,950 sqft
2018-08-01 0 days 1,962 sqft
2018-09-01 0 days 1,966 sqft
2018-10-01 0 days 1,940 sqft
2018-11-01 0 days 1,940 sqft
2018-12-01 0 days 1,941 sqft
2019-01-01 0 days 1,860 sqft
2019-02-01 0 days 1,897 sqft
2019-03-01 0 days 1,969 sqft
2019-04-01 0 days 2,134 sqft
2019-05-01 0 days 2,035 sqft
2019-06-01 0 days 2,067 sqft
2019-07-01 0 days 1,982 sqft
2019-08-01 0 days 1,900 sqft
2019-09-01 0 days 1,938 sqft
2019-10-01 0 days 1,770 sqft
2019-11-01 0 days 1,704 sqft
2019-12-01 0 days 1,694 sqft
2020-01-01 0 days 1,697 sqft
2020-02-01 0 days 1,835 sqft
2020-03-01 0 days 1,696 sqft
2020-04-01 0 days 1,690 sqft
2020-05-01 0 days 1,814 sqft
2020-06-01 0 days 1,824 sqft
2020-07-01 0 days 1,916 sqft
2020-08-01 0 days 1,764 sqft
2020-09-01 0 days 1,740 sqft
2020-10-01 0 days 1,772 sqft
2020-11-01 0 days 1,776 sqft
2020-12-01 0 days 1,770 sqft
2021-01-01 0 days 1,747 sqft
2021-02-01 0 days 1,777 sqft
2021-03-01 0 days 1,715 sqft
2021-04-01 0 days 1,659 sqft
2021-05-01 0 days 1,698 sqft
2021-06-01 0 days 1,679 sqft
2021-07-01 0 days 1,596 sqft
2021-08-01 0 days 1,659 sqft
2021-09-01 0 days 1,666 sqft
2021-10-01 0 days 1,630 sqft
2021-11-01 0 days 1,599 sqft
2021-12-01 0 days 1,551 sqft
2022-01-01 0 days 1,515 sqft
2022-02-01 0 days 1,555 sqft
2022-03-01 0 days 1,612 sqft
2022-04-01 0 days 1,739 sqft
2022-05-01 0 days 1,814 sqft
2022-06-01 0 days 1,813 sqft
2022-07-01 0 days 1,896 sqft
2022-08-01 0 days 1,907 sqft
2022-09-01 0 days 1,736 sqft
2022-10-01 0 days 1,683 sqft
2022-11-01 0 days 1,699 sqft
2022-12-01 0 days 1,700 sqft
2023-01-01 0 days 1,774 sqft
2023-02-01 0 days 1,798 sqft
2023-03-01 0 days 1,800 sqft
2023-04-01 0 days 1,785 sqft
OWENSBORO's median listing age (time on market) for 2023-04-01 was 0 days.

OWENSBORO's median square footage for active listings during the 2023-04-01 period was 1,785 sqft. One year prior, the average listing was 1,739 sqft.

OWENSBORO, KY 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
42301 Owensboro, KY $600 $650 $850 $1,110 $1,150
42302 Owensboro, KY $600 $650 $850 $1,110 $1,150
42303 Owensboro, KY $600 $650 $850 $1,110 $1,150
42304 Owensboro, KY $600 $650 $850 $1,110 $1,150
42322 Owensboro, KY $560 $610 $800 $1,040 $1,080
42327 Owensboro, KY $560 $610 $800 $1,040 $1,080
42330 Owensboro, KY $540 $570 $740 $970 $1,010
42343 Owensboro, KY $540 $570 $740 $970 $1,010
42348 Owensboro, KY $540 $570 $740 $970 $1,010
42350 Owensboro, KY $540 $570 $740 $970 $1,010
42351 Owensboro, KY $540 $570 $750 $980 $1,020
42352 Owensboro, KY $540 $570 $740 $970 $1,010
42355 Owensboro, KY $540 $580 $760 $990 $1,030
42356 Owensboro, KY $600 $650 $850 $1,110 $1,150
42364 Owensboro, KY $540 $570 $750 $980 $1,020
42366 Owensboro, KY $660 $710 $940 $1,230 $1,270
42368 Owensboro, KY $540 $570 $740 $970 $1,010
42371 Owensboro, KY $540 $570 $740 $970 $1,010
42372 Owensboro, KY $540 $570 $740 $970 $1,010
42376 Owensboro, KY $610 $650 $860 $1,120 $1,170
42378 Owensboro, KY $540 $570 $740 $970 $1,010

2022 Average & Median Rent Data Statistics
OWENSBORO, KY average 1BR rent: $604, median: $570
OWENSBORO, KY average 2BR rent: $789, median: $750
OWENSBORO, KY average 3BR rent: $1,031, median: $980

OWENSBORO, KY Market Loan Reason

Loan Purpose Originations Total Value Average Loan
Home Purchase 1,850 $361,890,000 $195,616
Cash Out Refi 482 $57,270,000 $118,817
Refi 478 $80,410,000 $168,222
Other 307 $24,185,000 $78,779
Home Improvement 265 $19,815,000 $74,774

Owensboro's most frequently cited loan purpose was Home Purchase, with 1,850 originations. The 2nd most popular reason was Cash Out Refi, with 482 originations.

Interest Rate Frequencies

Loan Rate Originations Total Value Average Loan
5-6% 849 $135,485,000 $159,582
3-4% 800 $136,780,000 $170,975
4-5% 737 $128,835,000 $174,810
6-7% 415 $62,165,000 $149,795
2.5-3% 143 $25,905,000 $181,154
7-8% 130 $17,710,000 $136,231
<2.5% 127 $13,335,000 $105,000
Over 8% 63 $4,285,000 $68,016

During 2022, Owensboro's most frequently originated rate bucket was 5-6%, with 849 originations.

Loan Sizing (OWENSBORO, KY MSA)

Loan Size Originations Total Value Average Loan
$100k-200k 1,290 $188,120,000 $145,829
$100,000 or less 1,146 $62,960,000 $54,939
$200k-400k 813 $212,495,000 $261,371
$400k-600k 95 $44,065,000 $463,842
$600k-1000k 27 $19,375,000 $717,593
$Over $1MM 11 $16,555,000 $1,505,000

OWENSBORO's loan sizing saw the bucket of loans from $100k-200k with 1,290 originations, totaling $188,120,000 in origination value.

LTV Distribution

Loan to Value Originations Total Value Average Loan
80-100% 1,271 $264,905,000 $208,423
60-80% 794 $154,140,000 $194,131
20-40% 414 $34,450,000 $83,213
Under 20% 402 $14,280,000 $35,522
40-60% 337 $44,885,000 $133,190
Over 100% 36 $10,390,000 $288,611

OWENSBORO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,271 originations, totaling $264,905,000 in origination value.