OWENSBORO 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 Owensboro averaged 6.88% for the week of 2025-02-13, compared to the national average of 6.87% for the same period.

    The average rate for the prior week (2025-02-06) was 6.6% and one month ago for the week of 2025-01-09, the average rate was 7.04%.

    Owensboro's average rate one year ago was 6.65%.

    For refis of the same type during the week of 2025-02-13, the average rate was 7.07%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-02-13 6.87%
    Owensboro 30 Year Fixed Rate 2025-02-13 6.88%
    Owensboro 30 Year Fixed Rate Refi 2025-02-13 7.07%
    Owensboro 15 Year Fixed Rate 2025-02-13 5.99%
    Owensboro 15 Year Fixed Rate Refi 2025-02-13 6.19%
    Owensboro 30 Year FHA 2025-02-13 6.12%
    Owensboro 30 Year FHA Refi 2025-02-13 6.42%
    Owensboro 30 Year USDA 2025-02-13 6.33%
    Owensboro 30 Year USDA Refi 2025-02-13 6.53%
    Owensboro 30 Year VA 2025-02-13 6.56%
    Owensboro 30 Year VA Refi 2025-02-13 6.53%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    EVANSVILLE TEACHERS 260 6.65% $3,261
    Independence Bank of Kentucky 50 6.44% $2,372
    U.S. Bank 36 6.79% $3,362
    Old National Bank 33 6.58% $3,155
    QUICKEN LOANS, LLC 33 6.76% $5,189
    UNITED WHOLESALE MORTGAGE, LLC 19 7.11% $6,471
    German American Bank 18 6.63% $3,130
    RUOFF MORTGAGE COMPANY, INC. 16 6.49% $3,267
    THRIVE MORTGAGE, LLC 16 6.49% $4,713
    HOMESIDE FINANCIAL, LLC 14 7.05% $4,183
    Farm Credit Mid-America, ACA 13 7.26% $5,703
    Truist 13 6.80% $3,278
    SOUTH CENTRAL BANK, INC. 12 6.67% $2,757
    JPMorgan Chase Bank 12 6.42% $4,432
    First Federal Savings Bank 9 5.61% $3,342
    CHURCHILL MORTGAGE CORPORATION 7 7.21% $4,156
    Fifth Third Bank 6 6.83% $3,524
    LEADERONE FINANCIAL CORPORATION 4 6.62% $4,054
    FBC MORTGAGE, LLC 4 6.06% $4,414
    MOVEMENT MORTGAGE, LLC 4 6.75% $5,257
    EVERETT FINANCIAL, INC. 4 6.66% $7,697
    Heritage Federal Credit Union 3 7.42% $3,031
    PNC Bank 3 6.75% $3,662
    First Financial Bank 3 7.46% $3,636
    Abound Federal Credit Union 3 6.63% $3,083
    STOCKTON MORTGAGE CORPORATION 3 7.42% $4,331
    TRANSCEND 3 6.17% $0
    Bank of England 3 7.33% $4,963
    MORTGAGE MASTERS OF INDIANA, INC. 3 6.25% $3,529
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.31% $4,172
    BROKER SOLUTIONS, INC. 2 7.38% $6,069
    Northpointe Bank 2 8.25% $5,446
    DAS Acquisition Company, LLC 2 7.06% $4,353
    NAVY FEDERAL CREDIT UNION 2 7.25% $4,066
    Mortgage Research Center, LLC 2 6.12% $3,249
    PLAZA HOME MORTGAGE, INC. 2 7.00% $6,719
    FIRST COMMUNITY MORTGAGE, INC. 2 7.06% $3,540
    CROSSCOUNTRY MORTGAGE, LLC 2 7.16% $4,172
    1786 1 6.50% $6,947
    Whitaker Bank 1 5.88% $1,282
    Ally Bank 1 5.88% $5,604
    AMERICAN FINANCIAL NETWORK, INC. 1 6.25% $6,302
    BancorpSouth 1 5.28% $3,981
    CARDINAL FINANCIAL 1 6.38% $8,913
    Cf Bank 1 6.50% $3,823
    Citizens Bank 1 6.88% $3,439
    CMG MORTGAGE, INC. 1 7.75% $5,122
    DEEPHAVEN MORTGAGE LLC 1 7.99% $12,674
    FAIR WAY LENDING LLC 1 5.88% $3,351
    FirstBank 1 6.38% $5,765
    GoPrime Mortgage, Inc. 1 6.50% $3,323
    LIBERTY HOME MORTGAGE CORPORATION 1 7.50% $7,316
    LOANDEPOT.COM, LLC 1 6.25% $6,399
    Magnolia Bank 1 7.00% $6,111
    Morgan Stanley Private Bank 1 5.90% $3,451
    Mr. Cooper ( Nationstar Mortgage ) 1 7.49% $3,263
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.88% $4,381
    NEWREZ LLC 1 8.13% $6,690
    North American Savings Bank, F.S.B. 1 8.63% $1,974
    Northwest Federal Credit Union 1 7.63% $1,947
    Paramount Residential Mortgage Group, Inc. 1 7.63% $9,466
    Plains Commerce Bank 1 6.88% $3,849
    PLANET HOME LENDING, LLC 1 6.63% $3,563
    PREMIA MORTGAGE, LLC 1 7.58% $0
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.50% $3,675
    Prosperity Home Mortgage, LLC 1 8.63% $4,809
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.38% $3,942
    Regions Bank 1 7.50% $3,118
    ROYAL UNITED MORTGAGE LLC 1 7.50% $4,398
    Strong Home Mortgage, LLC 1 6.38% $6,534
    The Cecilian Bank 1 6.26% $978
    The Central Trust Bank 1 6.88% $3,078
    TOTAL MORTGAGE SERVICES, LLC 1 8.63% $3,091
    USAA Federal Savings Bank 1 6.13% $2,861
    U S WIDE FINANCIAL LLC 1 6.50% $1,473
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 8.25% $5,684
    WesBanco 1 6.75% $4,022

    OWENSBORO Average Closing Costs & Other Stats

    OWENSBORO, KY's 77 lenders originated 2,383 loans during 2023. The total origination value was $363,545,000, with an average loan value of $152,558.

    OWENSBORO's average closing costs are $3,970.

    The top OWENSBORO lender as defined by loan originations is EVANSVILLE TEACHERS, with 260 loans originated. Their average total fees are $3,261, which is $888 higher than the next largest lender, Independence Bank of Kentucky.

    The lowest fee OWENSBORO lenders (with over 10 loans originated) are Independence Bank of Kentucky ($2,372), SOUTH CENTRAL BANK, INC. ($2,757), German American Bank ($3,130), Old National Bank ($3,155) and EVANSVILLE TEACHERS ($3,261).

    The lowest rate OWENSBORO lenders (with over 10 loans originated) are JPMorgan Chase Bank (6.42%), Independence Bank of Kentucky (6.44%), RUOFF MORTGAGE COMPANY, INC. (6.49%), THRIVE MORTGAGE, LLC (6.49%) and Old National Bank (6.58%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    EVANSVILLE TEACHERS $145,740,000 $107,920,000 -26.0% 29.7%
    Independence Bank of Kentucky $56,045,000 $35,060,000 -37.4% 9.6%
    Old National Bank $26,995,000 $19,885,000 -26.3% 5.5%
    German American Bank $21,475,000 $17,020,000 -20.7% 4.7%
    QUICKEN LOANS, LLC $17,925,000 $15,355,000 -14.3% 4.2%
    U.S. Bank $30,090,000 $14,925,000 -50.4% 4.1%
    FBC MORTGAGE, LLC $24,385,000 $12,060,000 -50.5% 3.3%
    SOUTH CENTRAL BANK, INC. $14,605,000 $11,635,000 -20.3% 3.2%
    RUOFF MORTGAGE COMPANY, INC. $20,940,000 $10,855,000 -48.2% 3.0%
    UNITED WHOLESALE MORTGAGE, LLC $14,340,000 $9,045,000 -36.9% 2.5%
    Mortgage Research Center, LLC $7,520,000 $6,610,000 -12.1% 1.8%
    Truist $7,705,000 $6,475,000 -16.0% 1.8%
    HOMESIDE FINANCIAL, LLC $1,530,000 $4,575,000 199.0% 1.3%
    Fifth Third Bank $11,995,000 $4,275,000 -64.4% 1.2%
    JPMorgan Chase Bank $5,845,000 $3,810,000 -34.8% 1.0%
    Farm Credit Mid-America, ACA $8,850,000 $3,745,000 -57.7% 1.0%
    Limestone Bank, Inc. $2,265,000 $3,490,000 54.1% 1.0%
    First Federal Savings Bank $550,000 $2,860,000 420.0% 0.8%
    CHURCHILL MORTGAGE CORPORATION $585,000 $2,445,000 317.9% 0.7%
    THRIVE MORTGAGE, LLC $425,000 $2,420,000 469.4% 0.7%
    Owensboro Federal Credit Union $2,360,000 n/a 0.6%
    PNC Bank $4,620,000 $2,250,000 -51.3% 0.6%
    EVERETT FINANCIAL, INC. $10,400,000 $2,095,000 -79.9% 0.6%
    Farmers Bank and Trust Company $1,165,000 $2,075,000 78.1% 0.6%
    NAVY FEDERAL CREDIT UNION $1,105,000 $2,020,000 82.8% 0.6%
    USAA Federal Savings Bank $2,380,000 $1,910,000 -19.7% 0.5%
    Bank of England $2,725,000 $1,740,000 -36.1% 0.5%
    Heritage Federal Credit Union $2,705,000 $1,725,000 -36.2% 0.5%
    Carrington Mortgage Services, LLC $1,425,000 $1,570,000 10.2% 0.4%
    TOP FLITE FINANCIAL, INC. $3,545,000 $1,490,000 -58.0% 0.4%
    PENNYMAC LOAN SERVICES, LLC $3,010,000 $1,385,000 -54.0% 0.4%
    LEADERONE FINANCIAL CORPORATION $1,360,000 n/a 0.4%
    STOCKTON MORTGAGE CORPORATION $945,000 $1,345,000 42.3% 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $195,000 $1,285,000 559.0% 0.4%
    First Financial Bank $55,000 $1,265,000 2,200.0% 0.3%
    MOVEMENT MORTGAGE, LLC $7,780,000 $1,265,000 -83.7% 0.3%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,075,000 $1,225,000 14.0% 0.3%
    BROKER SOLUTIONS, INC. $980,000 $1,160,000 18.4% 0.3%
    The Sacramento Deposit Bank $2,500,000 $1,160,000 -53.6% 0.3%
    AMERISAVE MORTGAGE CORPORATION $2,735,000 $1,125,000 -58.9% 0.3%
    FREEDOM MORTGAGE CORPORATION $2,275,000 $1,115,000 -51.0% 0.3%
    NEW DAY FINANCIAL, LLC $315,000 $1,100,000 249.2% 0.3%
    MORTGAGE MASTERS OF INDIANA, INC. $1,295,000 $1,040,000 -19.7% 0.3%
    Abound Federal Credit Union $155,000 $880,000 467.7% 0.2%
    FIELD & MAIN BANK, INC. $755,000 $865,000 14.6% 0.2%
    Peoples Bank $855,000 n/a 0.2%
    Paramount Residential Mortgage Group, Inc. $245,000 $810,000 230.6% 0.2%
    Plains Commerce Bank $135,000 $785,000 481.5% 0.2%
    A&D Mortgage LLC $775,000 n/a 0.2%
    TRANSCEND $135,000 $725,000 437.0% 0.2%
    Mr. Cooper ( Nationstar Mortgage ) $2,175,000 $715,000 -67.1% 0.2%
    Magnolia Bank $530,000 $690,000 30.2% 0.2%
    FIRST COMMUNITY MORTGAGE, INC. $450,000 $645,000 43.3% 0.2%
    CARDINAL FINANCIAL $1,200,000 $620,000 -48.3% 0.2%
    Morgantown Bank & Trust Company, Incorporated $185,000 $595,000 221.6% 0.2%
    21ST MORTGAGE CORPORATION $1,370,000 $540,000 -60.6% 0.1%
    LOANDEPOT.COM, LLC $2,975,000 $540,000 -81.8% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $565,000 $525,000 -7.1% 0.1%
    Discover Bank $125,000 $520,000 316.0% 0.1%
    PREMIA MORTGAGE, LLC $345,000 $510,000 47.8% 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $2,380,000 $485,000 -79.6% 0.1%
    NEWREZ LLC $275,000 $485,000 76.4% 0.1%
    PROVIDENT FUNDING ASSOCIATES, L.P. $185,000 $485,000 162.2% 0.1%
    1ST SIGNATURE LENDING, LLC $205,000 $450,000 119.5% 0.1%
    Bank of Edmonson County $155,000 $425,000 174.2% 0.1%
    BancorpSouth $405,000 n/a 0.1%
    The Cecilian Bank $515,000 $395,000 -23.3% 0.1%
    DAS Acquisition Company, LLC $380,000 n/a 0.1%
    Citizens Bank $1,855,000 $375,000 -79.8% 0.1%
    PLAZA HOME MORTGAGE, INC. $370,000 n/a 0.1%
    FirstBank $105,000 $360,000 242.9% 0.1%
    First Federal Bank $355,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $65,000 $350,000 438.5% 0.1%
    Century Mortgage Company DBA Century Lending Company $330,000 n/a 0.1%
    Cf Bank $305,000 n/a 0.1%
    LOANFLIGHT LENDING, LLC $305,000 n/a 0.1%
    DEEPHAVEN MORTGAGE LLC $295,000 n/a 0.1%
    LAKEVIEW LOAN SERVICING, LLC $270,000 $280,000 3.7% 0.1%
    CMG MORTGAGE, INC. $225,000 $275,000 22.2% 0.1%
    Prosperity Home Mortgage, LLC $275,000 n/a 0.1%
    Morgan Stanley Private Bank $265,000 n/a 0.1%
    VILLAGE CAPITAL MORTGAGE $265,000 n/a 0.1%
    Whitaker Bank $55,000 $265,000 381.8% 0.1%
    North American Savings Bank, F.S.B. $615,000 $255,000 -58.5% 0.1%
    Northwest Federal Credit Union $235,000 $245,000 4.3% 0.1%
    University Bank $245,000 n/a 0.1%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $690,000 $235,000 -65.9% 0.1%
    AMWEST FUNDING CORP. $1,025,000 $235,000 -77.1% 0.1%
    WesBanco $270,000 $235,000 -13.0% 0.1%
    Northpointe Bank $465,000 $230,000 -50.5% 0.1%
    Republic Bank & Trust Company $590,000 $225,000 -61.9% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $215,000 n/a 0.1%
    ROSS MORTGAGE CORPORATION $215,000 n/a 0.1%
    Franklin Loan Corporation $205,000 n/a 0.1%
    NATIONS DIRECT MORTGAGE, LLC $205,000 n/a 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $4,400,000 $205,000 -95.3% 0.1%
    AMERICAN FINANCIAL NETWORK, INC. $195,000 n/a 0.1%
    FIRST MORTGAGE COMPANY, INC. $195,000 n/a 0.1%
    First Southern National Bank $160,000 $195,000 21.9% 0.1%
    1786 $185,000 n/a 0.1%
    EQUITY RESOURCES, INC. $185,000 n/a 0.1%
    HOMEXPRESS MORTGAGE CORP. $185,000 n/a 0.1%
    RELIANCE FIRST CAPITAL, LLC $330,000 $185,000 -43.9% 0.1%
    Servion, Inc. $255,000 $185,000 -27.5% 0.1%
    SOUTHWEST STAGE FUNDING, LLC $185,000 n/a 0.1%
    The Central Trust Bank $185,000 n/a 0.1%
    Wells Fargo Bank $2,025,000 $185,000 -90.9% 0.1%
    Barrington Bank & Trust Company, N.A. $360,000 $165,000 -54.2% 0.0%
    LIBERTY HOME MORTGAGE CORPORATION $155,000 n/a 0.0%
    MORTGAGE INVESTORS GROUP, INC. $155,000 n/a 0.0%
    Union Savings Bank $155,000 n/a 0.0%
    Equity Prime Mortgage LLC $650,000 $150,000 -76.9% 0.0%
    DIAMOND VALLEY $145,000 n/a 0.0%
    GoPrime Mortgage, Inc. $145,000 n/a 0.0%
    The First National Bank of Carmi $145,000 n/a 0.0%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $350,000 $135,000 -61.4% 0.0%
    Park Lane Finance Solutions, LLC $250,000 $130,000 -48.0% 0.0%
    Ally Bank $495,000 $115,000 -76.8% 0.0%
    BM Real Estate Services, Inc. $115,000 n/a 0.0%
    Coastal Community Bank $115,000 n/a 0.0%
    LENDINGONE, LLC $115,000 n/a 0.0%
    City National Bank of West Virginia $105,000 n/a 0.0%
    M&T Bank $280,000 $105,000 -62.5% 0.0%
    Peoples Bank $105,000 n/a 0.0%
    AMERICAN HERITAGE LENDING, INC. $95,000 n/a 0.0%
    FAIR WAY LENDING LLC $95,000 n/a 0.0%
    FINANCE OF AMERICA REVERSE LLC $95,000 n/a 0.0%
    OPEN MORTGAGE, LLC $35,000 $95,000 171.4% 0.0%
    Regions Bank $95,000 n/a 0.0%
    Strong Home Mortgage, LLC $95,000 n/a 0.0%
    PLANET HOME LENDING, LLC $315,000 $85,000 -73.0% 0.0%
    TOTAL MORTGAGE SERVICES, LLC $85,000 n/a 0.0%
    TOWER $85,000 n/a 0.0%
    U S WIDE FINANCIAL LLC $85,000 n/a 0.0%
    Bank of America $760,000 $80,000 -89.5% 0.0%
    Central Bank $935,000 $65,000 -93.0% 0.0%
    SPRING EQ, LLC $75,000 $55,000 -26.7% 0.0%
    TRIAD FINANCIAL SERVICES, INC. $195,000 $55,000 -71.8% 0.0%
    Flagstar Bank, FSB $200,000 $50,000 -75.0% 0.0%
    PENTAGON FEDERAL CREDIT UNION $45,000 n/a 0.0%
    UNIVERSITY OF KENTUCKY $140,000 $45,000 -67.9% 0.0%
    Stock Yards Bank & Trust Company $235,000 $35,000 -85.1% 0.0%

    OWENSBORO's top lender by overall market share is EVANSVILLE TEACHERS, with 29.7% market share. In second place, with 9.6%, is Independence Bank of Kentucky, having originated $35,060,000 in loans. In third place, with 5.5%, is Old National Bank, having originated $19,885,000 in loans. In fourth place, with 4.7%, is German American Bank, having originated $17,020,000 in loans. In fifth place, with 4.2%, is QUICKEN LOANS, LLC, having originated $15,355,000 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 $171,897 (7.8%) $245,114 (23.0%) 0.00 274
    2018-02-01 $174,197 (4.1%) $247,681 (25.4%) 0.00 269
    2018-03-01 $172,900 (1.8%) $240,004 (19.4%) 0.00 261
    2018-04-01 $174,769 (-2.9%) $246,403 (15.4%) 0.00 267
    2018-05-01 $174,975 (-6.6%) $251,602 (6.8%) 0.00 265
    2018-06-01 $184,900 (5.7%) $329,892 (41.8%) 0.00 284
    2018-07-01 $187,400 (7.2%) $321,173 (33.8%) 0.00 308
    2018-08-01 $186,900 (2.6%) $314,275 (28.7%) 0.00 327
    2018-09-01 $179,900 (5.9%) $311,301 (30.3%) 0.00 327
    2018-10-01 $182,400 (9.0%) $306,229 (28.7%) 0.00 338
    2018-11-01 $179,742 (9.0%) $302,974 (29.7%) 0.00 337
    2018-12-01 $184,900 (12.1%) $315,070 (34.3%) 0.00 300
    2019-01-01 $179,875 (4.6%) $320,601 (30.8%) 0.00 284
    2019-02-01 $187,200 (7.5%) $320,592 (29.4%) 0.00 271
    2019-03-01 $198,264 (14.7%) $331,545 (38.1%) 0.00 256
    2019-04-01 $212,450 (21.6%) $344,574 (39.8%) 0.00 250
    2019-05-01 $214,500 (22.6%) $336,873 (33.9%) 0.00 247
    2019-06-01 $204,900 (10.8%) $331,416 (0.5%) 0.00 271
    2019-07-01 $189,800 (1.3%) $318,621 (-0.8%) 0.00 300
    2019-08-01 $185,579 (-0.7%) $294,607 (-6.3%) 0.00 303
    2019-09-01 $186,449 (3.6%) $263,363 (-15.4%) 0.00 301
    2019-10-01 $185,916 (1.9%) $238,064 (-22.3%) 0.00 302
    2019-11-01 $179,900 (0.1%) $237,318 (-21.7%) 0.00 294
    2019-12-01 $184,900 (0.0%) $239,327 (-24.0%) 0.00 274
    2020-01-01 $179,900 (0.0%) $236,664 (-26.2%) 0.00 255
    2020-02-01 $184,900 (-1.2%) $314,462 (-1.9%) 0.00 234
    2020-03-01 $175,925 (-11.3%) $311,280 (-6.1%) 0.00 223
    2020-04-01 $173,907 (-18.1%) $323,513 (-6.1%) 0.00 208
    2020-05-01 $189,900 (-11.5%) $368,430 (9.4%) 0.00 147
    2020-06-01 $217,024 (5.9%) $391,970 (18.3%) 0.00 132
    2020-07-01 $199,950 (5.4%) $385,588 (21.0%) 0.00 135
    2020-08-01 $194,000 (4.5%) $364,222 (23.6%) 0.00 154
    2020-09-01 $187,250 (0.4%) $353,295 (34.2%) 0.00 164
    2020-10-01 $190,000 (2.2%) $357,351 (50.1%) 0.00 161
    2020-11-01 $193,100 (7.3%) $360,446 (51.9%) 0.00 157
    2020-12-01 $191,800 (3.7%) $360,676 (50.7%) 0.00 145
    2021-01-01 $193,700 (7.7%) $247,420 (4.6%) 0.00 141
    2021-02-01 $194,200 (5.0%) $264,390 (-15.9%) 0.00 111
    2021-03-01 $189,825 (7.9%) $251,902 (-19.1%) 0.00 108
    2021-04-01 $176,200 (1.3%) $245,750 (-24.0%) 0.00 119
    2021-05-01 $199,900 (5.3%) $302,207 (-18.0%) 0.00 101
    2021-06-01 $204,150 (-5.9%) $285,994 (-27.0%) 0.00 110
    2021-07-01 $189,950 (-5.0%) $269,326 (-30.2%) 0.00 126
    2021-08-01 $199,900 (3.0%) $263,068 (-27.8%) 0.00 133
    2021-09-01 $199,750 (6.7%) $266,483 (-24.6%) 0.00 144
    2021-10-01 $196,950 (3.7%) $272,272 (-23.8%) 0.00 129
    2021-11-01 $174,400 (-9.7%) $281,177 (-22.0%) 0.00 123
    2021-12-01 $194,200 (1.3%) $276,533 (-23.3%) 0.00 126
    2022-01-01 $187,200 (-3.4%) $269,128 (8.8%) 0.00 108
    2022-02-01 $178,175 (-8.3%) $260,296 (-1.6%) 0.00 97
    2022-03-01 $189,900 (0.0%) $266,396 (5.8%) 0.00 95
    2022-04-01 $202,450 (14.9%) $280,646 (14.2%) 0.00 90
    2022-05-01 $239,800 (20.0%) $299,220 (-1.0%) 0.00 121
    2022-06-01 $244,925 (20.0%) $295,583 (3.4%) 0.00 149
    2022-07-01 $259,900 (36.8%) $304,277 (13.0%) 0.00 171
    2022-08-01 $262,266 (31.2%) $309,923 (17.8%) 0.00 168
    2022-09-01 $247,400 (23.9%) $299,195 (12.3%) 0.00 182
    2022-10-01 $234,900 (19.3%) $295,777 (8.6%) 0.00 185
    2022-11-01 $234,900 (34.7%) $296,523 (5.5%) 0.00 219
    2022-12-01 $237,700 (22.4%) $353,500 (27.8%) 0.00 227
    2023-01-01 $256,500 (37.0%) $358,007 (33.0%) 0.00 210
    2023-02-01 $259,900 (45.9%) $368,502 (41.6%) 0.00 194
    2023-03-01 $265,400 (39.8%) $394,187 (48.0%) 0.00 164
    2023-04-01 $277,450 (37.1%) $417,496 (48.8%) 0.00 149
    2023-05-01 $277,400 (15.7%) $417,361 (39.5%) 0.00 149
    2023-06-01 $274,950 (12.3%) $334,261 (13.1%) 0.00 168
    2023-07-01 $264,900 (1.9%) $318,557 (4.7%) 0.00 172
    2023-08-01 $260,875 (-0.5%) $311,924 (0.7%) 0.00 184
    2023-09-01 $259,900 (5.1%) $308,848 (3.2%) 0.00 195
    2023-10-01 $259,650 (10.5%) $304,752 (3.0%) 0.00 216
    2023-11-01 $262,625 (11.8%) $295,487 (-0.4%) 0.00 223
    2023-12-01 $250,000 (5.2%) $294,401 (-16.7%) 0.00 216
    2024-01-01 $269,700 (5.2%) $368,925 (3.1%) 0.00 182
    2024-02-01 $277,350 (6.7%) $388,445 (5.4%) 0.00 184
    2024-03-01 $284,800 (7.3%) $393,781 (-0.1%) 0.00 173
    2024-04-01 $269,900 (-2.7%) $371,960 (-10.9%) 0.00 172
    2024-05-01 $273,900 (-1.3%) $374,496 (-10.3%) 0.00 191
    2024-06-01 $269,900 (-1.8%) $370,405 (10.8%) 0.00 205
    2024-07-01 $279,800 (5.6%) $352,547 (10.7%) 0.00 197
    2024-08-01 $279,900 (7.3%) $390,943 (25.3%) 0.00 217
    2024-09-01 $283,650 (9.1%) $401,517 (30.0%) 0.00 217
    2024-10-01 $276,575 (6.5%) $390,513 (28.1%) 0.00 228
    2024-11-01 $279,900 (6.6%) $393,375 (33.1%) 0.00 233
    2024-12-01 $273,650 (9.5%) $382,643 (30.0%) 0.00 226
    2025-01-01 $279,100 (3.5%) $389,522 (5.6%) 0.00 215
    OWENSBORO's median listing price for 2025-01-01 was $279,100, a difference of $9,400 (3.5%) versus the prior year and $5,450 versus the prior month.

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

    OWENSBORO's average listing price for 2025-01-01 was $389,522, a difference of $20,597 (5.6%) versus the prior year and $6,879 versus the prior month.

    For the 2025-01-01 period, OWENSBORO had 215 MLS listings, a difference of -11 listings (-5%) versus the prior month and 33 listings (18%) 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 1,902 sqft
    2018-02-01 0 days 1,885 sqft
    2018-03-01 0 days 1,857 sqft
    2018-04-01 0 days 1,917 sqft
    2018-05-01 0 days 1,940 sqft
    2018-06-01 0 days 1,952 sqft
    2018-07-01 0 days 1,942 sqft
    2018-08-01 0 days 1,961 sqft
    2018-09-01 0 days 1,965 sqft
    2018-10-01 0 days 1,937 sqft
    2018-11-01 0 days 1,939 sqft
    2018-12-01 0 days 1,951 sqft
    2019-01-01 0 days 1,884 sqft
    2019-02-01 0 days 1,893 sqft
    2019-03-01 0 days 2,025 sqft
    2019-04-01 0 days 2,158 sqft
    2019-05-01 0 days 2,087 sqft
    2019-06-01 0 days 2,095 sqft
    2019-07-01 0 days 1,995 sqft
    2019-08-01 0 days 1,919 sqft
    2019-09-01 0 days 1,837 sqft
    2019-10-01 0 days 1,776 sqft
    2019-11-01 0 days 1,719 sqft
    2019-12-01 0 days 1,709 sqft
    2020-01-01 0 days 1,702 sqft
    2020-02-01 0 days 1,827 sqft
    2020-03-01 0 days 1,674 sqft
    2020-04-01 0 days 1,675 sqft
    2020-05-01 0 days 1,823 sqft
    2020-06-01 0 days 1,859 sqft
    2020-07-01 0 days 1,941 sqft
    2020-08-01 0 days 1,768 sqft
    2020-09-01 0 days 1,752 sqft
    2020-10-01 0 days 1,772 sqft
    2020-11-01 0 days 1,776 sqft
    2020-12-01 0 days 1,767 sqft
    2021-01-01 0 days 1,741 sqft
    2021-02-01 0 days 1,794 sqft
    2021-03-01 0 days 1,729 sqft
    2021-04-01 0 days 1,659 sqft
    2021-05-01 0 days 1,680 sqft
    2021-06-01 0 days 1,668 sqft
    2021-07-01 0 days 1,595 sqft
    2021-08-01 0 days 1,642 sqft
    2021-09-01 0 days 1,658 sqft
    2021-10-01 0 days 1,619 sqft
    2021-11-01 0 days 1,553 sqft
    2021-12-01 0 days 1,533 sqft
    2022-01-01 0 days 1,513 sqft
    2022-02-01 0 days 1,554 sqft
    2022-03-01 0 days 1,582 sqft
    2022-04-01 0 days 1,724 sqft
    2022-05-01 0 days 1,789 sqft
    2022-06-01 0 days 1,804 sqft
    2022-07-01 0 days 1,886 sqft
    2022-08-01 0 days 1,901 sqft
    2022-09-01 0 days 1,729 sqft
    2022-10-01 0 days 1,672 sqft
    2022-11-01 0 days 1,686 sqft
    2022-12-01 0 days 1,699 sqft
    2023-01-01 0 days 1,750 sqft
    2023-02-01 0 days 1,797 sqft
    2023-03-01 0 days 1,849 sqft
    2023-04-01 0 days 1,799 sqft
    2023-05-01 0 days 1,801 sqft
    2023-06-01 0 days 1,832 sqft
    2023-07-01 0 days 1,799 sqft
    2023-08-01 0 days 1,740 sqft
    2023-09-01 0 days 1,766 sqft
    2023-10-01 0 days 1,803 sqft
    2023-11-01 0 days 1,702 sqft
    2023-12-01 0 days 1,688 sqft
    2024-01-01 0 days 1,755 sqft
    2024-02-01 0 days 1,804 sqft
    2024-03-01 0 days 1,804 sqft
    2024-04-01 0 days 1,771 sqft
    2024-05-01 0 days 1,792 sqft
    2024-06-01 0 days 1,881 sqft
    2024-07-01 0 days 1,921 sqft
    2024-08-01 0 days 1,904 sqft
    2024-09-01 0 days 1,893 sqft
    2024-10-01 0 days 1,860 sqft
    2024-11-01 0 days 1,897 sqft
    2024-12-01 0 days 1,771 sqft
    2025-01-01 0 days 1,879 sqft
    OWENSBORO's median listing age (time on market) for 2025-01-01 was 0 days.

    OWENSBORO's median square footage for active listings during the 2025-01-01 period was 1,879 sqft. One year prior, the average listing was 1,755 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 MSA $710 $710 $940 $1,240 $1,260
    42302 Owensboro, KY MSA $710 $710 $940 $1,240 $1,260
    42303 Owensboro, KY MSA $710 $710 $940 $1,240 $1,260
    42304 Owensboro, KY MSA $710 $710 $940 $1,240 $1,260
    42322 Owensboro, KY MSA $620 $620 $820 $1,080 $1,100
    42327 Owensboro, KY MSA $620 $620 $820 $1,080 $1,100
    42330 Owensboro, KY MSA $560 $580 $760 $1,000 $1,030
    42343 Owensboro, KY MSA $560 $580 $760 $1,000 $1,030
    42348 Owensboro, KY MSA $610 $620 $810 $1,070 $1,090
    42350 Owensboro, KY MSA $560 $580 $760 $1,000 $1,030
    42351 Owensboro, KY MSA $620 $620 $820 $1,080 $1,100
    42352 Owensboro, KY MSA $560 $580 $760 $1,000 $1,030
    42355 Owensboro, KY MSA $570 $580 $760 $1,000 $1,030
    42356 Owensboro, KY MSA $710 $710 $940 $1,240 $1,260
    42364 Owensboro, KY MSA $620 $620 $820 $1,080 $1,100
    42366 Owensboro, KY MSA $690 $690 $910 $1,200 $1,220
    42368 Owensboro, KY MSA $590 $590 $780 $1,030 $1,050
    42371 Owensboro, KY MSA $590 $590 $770 $1,020 $1,040
    42372 Owensboro, KY MSA $560 $580 $760 $1,000 $1,030
    42376 Owensboro, KY MSA $690 $690 $910 $1,200 $1,220
    42378 Owensboro, KY MSA $590 $590 $780 $1,030 $1,050

    2022 Average & Median Rent Data Statistics
    OWENSBORO, KY average 1BR rent: $632, median: $620
    OWENSBORO, KY average 2BR rent: $833, median: $820
    OWENSBORO, KY average 3BR rent: $1,099, median: $1,080

    OWENSBORO, KY Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,318 $259,090,000 $196,578
    Cash Out Refi 368 $34,820,000 $94,620
    Refi 264 $35,260,000 $133,561
    Other 236 $20,750,000 $87,924
    Home Improvement 197 $13,625,000 $69,162

    Owensboro's most frequently cited loan purpose was Home Purchase, with 1,318 originations. The 2nd most popular reason was Cash Out Refi, with 368 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 909 $161,695,000 $177,882
    7-8% 549 $82,645,000 $150,537
    Over 8% 447 $33,175,000 $74,217
    5-6% 271 $53,875,000 $198,801
    <2.5% 49 $4,525,000 $92,347
    4-5% 35 $10,265,000 $293,286
    3-4% 18 $660,000 $36,667
    2.5-3% 1 $85,000 $85,000

    During 2023, Owensboro's most frequently originated rate bucket was 6-7%, with 909 originations.

    Loan Sizing (OWENSBORO, KY MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 917 $48,645,000 $53,048
    $100k-200k 883 $129,685,000 $146,869
    $200k-400k 507 $135,575,000 $267,406
    $400k-600k 52 $24,210,000 $465,577
    $600k-1000k 18 $13,590,000 $755,000
    $Over $1MM 6 $11,840,000 $1,973,333

    OWENSBORO's loan sizing saw the bucket of loans from $100,000 or less with 917 originations, totaling $48,645,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 888 $184,710,000 $208,007
    60-80% 439 $82,725,000 $188,440
    Under 20% 377 $15,655,000 $41,525
    20-40% 356 $30,400,000 $85,393
    40-60% 196 $28,290,000 $144,337
    Over 100% 21 $4,865,000 $231,667

    OWENSBORO's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 888 originations, totaling $184,710,000 in origination value.