OWENSBORO Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Owensboro averaged
6.33%
for the week of 2024-10-10, compared to the national average of
6.32% for the same period.
The average rate for the prior week (2024-10-03) was
5.83% and
one month ago for the week of 2024-09-05, the
average rate was 6.46%.
Owensboro's average rate one year ago was 7.2%.
For refis of the same type during the week of 2024-10-10, the average rate
was 6.52%.
Loan Type | Date | Rate |
---|---|---|
US 30 Year Fixed Rate | 2024-10-10 | 6.32% |
Owensboro 30 Year Fixed Rate | 2024-10-10 | 6.33% |
Owensboro 30 Year Fixed Rate Refi | 2024-10-10 | 6.52% |
Owensboro 15 Year Fixed Rate | 2024-10-10 | 5.21% |
Owensboro 15 Year Fixed Rate Refi | 2024-10-10 | 6.01% |
Owensboro 30 Year FHA | 2024-10-10 | 5.91% |
Owensboro 30 Year FHA Refi | 2024-10-10 | 6% |
Owensboro 30 Year USDA | 2024-10-10 | 5.98% |
Owensboro 30 Year USDA Refi | 2024-10-10 | 6.08% |
Owensboro 30 Year VA | 2024-10-10 | 5.99% |
Owensboro 30 Year VA Refi | 2024-10-10 | 5.75% |
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.).
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. LouisDate | 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 | $194,543 (11.2%) | $321,970 (31.4%) | 0.00 | 272 |
2019-04-01 | $208,700 (17.0%) | $336,297 (35.1%) | 0.00 | 262 |
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 | $186,191 (1.5%) | $289,506 (-6.2%) | 0.00 | 323 |
2019-09-01 | $188,052 (4.5%) | $260,826 (-14.6%) | 0.00 | 319 |
2019-10-01 | $187,043 (2.6%) | $237,863 (-21.2%) | 0.00 | 319 |
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 (-8.9%) | $307,151 (-4.6%) | 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 (1.8%) | $357,732 (23.6%) | 0.00 | 161 |
2020-09-01 | $186,953 (-0.6%) | $346,784 (33.0%) | 0.00 | 171 |
2020-10-01 | $189,900 (1.5%) | $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 | 177 |
2022-08-01 | $257,049 (28.6%) | $309,211 (17.7%) | 0.00 | 180 |
2022-09-01 | $242,500 (19.7%) | $298,823 (12.0%) | 0.00 | 196 |
2022-10-01 | $234,900 (18.0%) | $298,299 (9.8%) | 0.00 | 201 |
2022-11-01 | $234,900 (35.7%) | $298,987 (7.5%) | 0.00 | 237 |
2022-12-01 | $237,700 (20.8%) | $349,135 (27.9%) | 0.00 | 242 |
2023-01-01 | $254,550 (34.3%) | $353,703 (32.8%) | 0.00 | 231 |
2023-02-01 | $254,725 (42.9%) | $358,280 (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 | 161 |
2023-05-01 | $272,875 (12.6%) | $404,964 (37.4%) | 0.00 | 161 |
2023-06-01 | $274,950 (11.7%) | $330,794 (13.1%) | 0.00 | 177 |
2023-07-01 | $269,000 (3.5%) | $320,568 (5.0%) | 0.00 | 183 |
2023-08-01 | $263,825 (2.6%) | $311,867 (0.9%) | 0.00 | 196 |
2023-09-01 | $260,000 (7.2%) | $307,473 (2.9%) | 0.00 | 211 |
2023-10-01 | $262,400 (11.7%) | $303,982 (1.9%) | 0.00 | 231 |
2023-11-01 | $266,150 (13.3%) | $296,060 (-1.0%) | 0.00 | 237 |
2023-12-01 | $250,000 (5.2%) | $291,919 (-16.4%) | 0.00 | 234 |
2024-01-01 | $269,800 (6.0%) | $360,495 (1.9%) | 0.00 | 199 |
2024-02-01 | $277,350 (8.9%) | $382,661 (6.8%) | 0.00 | 195 |
2024-03-01 | $279,900 (7.5%) | $384,605 (1.2%) | 0.00 | 185 |
2024-04-01 | $269,450 (-1.7%) | $362,369 (-10.7%) | 0.00 | 187 |
2024-05-01 | $269,900 (-1.1%) | $371,340 (-8.3%) | 0.00 | 203 |
2024-06-01 | $269,900 (-1.8%) | $375,558 (13.5%) | 0.00 | 215 |
2024-07-01 | $272,450 (1.3%) | $345,280 (7.7%) | 0.00 | 209 |
2024-08-01 | $272,400 (3.3%) | $382,959 (22.8%) | 0.00 | 228 |
2024-09-01 | $272,400 (4.8%) | $390,621 (27.0%) | 0.00 | 231 |
OWENSBORO's median listing price comes in at 0% of the national average.
OWENSBORO's average listing price for 2024-09-01 was $390,621, a difference of $83,148 (27.0%) versus the prior year and $7,662 versus the prior month.
For the 2024-09-01 period, OWENSBORO had 231 MLS listings, a difference of 3 listings (1%) versus the prior month and 20 listings (9%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - OWENSBORO (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,909 sqft |
2018-02-01 | 0 days | 1,894 sqft |
2018-03-01 | 0 days | 1,875 sqft |
2018-04-01 | 0 days | 1,933 sqft |
2018-05-01 | 0 days | 1,961 sqft |
2018-06-01 | 0 days | 1,964 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 | 1,946 sqft |
2019-01-01 | 0 days | 1,860 sqft |
2019-02-01 | 0 days | 1,898 sqft |
2019-03-01 | 0 days | 2,017 sqft |
2019-04-01 | 0 days | 2,142 sqft |
2019-05-01 | 0 days | 2,032 sqft |
2019-06-01 | 0 days | 2,080 sqft |
2019-07-01 | 0 days | 1,982 sqft |
2019-08-01 | 0 days | 1,925 sqft |
2019-09-01 | 0 days | 1,843 sqft |
2019-10-01 | 0 days | 1,769 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 | 1,892 sqft |
2022-08-01 | 0 days | 1,899 sqft |
2022-09-01 | 0 days | 1,730 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 | 1,768 sqft |
2023-02-01 | 0 days | 1,798 sqft |
2023-03-01 | 0 days | 1,800 sqft |
2023-04-01 | 0 days | 1,788 sqft |
2023-05-01 | 0 days | 1,800 sqft |
2023-06-01 | 0 days | 1,845 sqft |
2023-07-01 | 0 days | 1,803 sqft |
2023-08-01 | 0 days | 1,783 sqft |
2023-09-01 | 0 days | 1,803 sqft |
2023-10-01 | 0 days | 1,806 sqft |
2023-11-01 | 0 days | 1,723 sqft |
2023-12-01 | 0 days | 1,686 sqft |
2024-01-01 | 0 days | 1,719 sqft |
2024-02-01 | 0 days | 1,798 sqft |
2024-03-01 | 0 days | 1,800 sqft |
2024-04-01 | 0 days | 1,732 sqft |
2024-05-01 | 0 days | 1,745 sqft |
2024-06-01 | 0 days | 1,881 sqft |
2024-07-01 | 0 days | 1,861 sqft |
2024-08-01 | 0 days | 1,865 sqft |
2024-09-01 | 0 days | 1,898 sqft |
OWENSBORO's median square footage for active listings during the 2024-09-01 period was 1,898 sqft. One year prior, the average listing was 1,803 sqft.
OWENSBORO, KY Average Rent (2023)
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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.