SIOUX CITY Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Sioux City averaged
6.8%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.65% and
one month ago for the week of 2025-04-17, the
average rate was 6.47%.
Sioux City's average rate one year ago was 6.96%.
For refis of the same type during the week of 2025-05-22, the average rate
was 6.96%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Sioux City 30 Year Fixed Rate | 2025-05-22 | 6.8% |
| Sioux City 30 Year Fixed Rate Refi | 2025-05-22 | 6.96% |
| Sioux City 15 Year Fixed Rate | 2025-05-22 | 5.91% |
| Sioux City 15 Year Fixed Rate Refi | 2025-05-22 | 6.31% |
| Sioux City 30 Year FHA | 2025-05-22 | 6.89% |
| Sioux City 30 Year FHA Refi | 2025-05-22 | 6.51% |
| Sioux City 30 Year USDA | 2025-05-22 | 6.63% |
| Sioux City 30 Year USDA Refi | 2025-05-22 | 6.23% |
| Sioux City 30 Year VA | 2025-05-22 | 6.8% |
| Sioux City 30 Year VA Refi | 2025-05-22 | 6.52% |
SIOUX CITY 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 SIOUX CITY, IA-NE-SD 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.).
SIOUX CITY Average Closing Costs & Other Stats
SIOUX CITY, IA-NE-SD's 73 lenders originated 2,666
loans during 2024. The total origination value was $489,350,000, with an average loan value of
$183,552.
SIOUX CITY's average closing costs are $4,432.
The top SIOUX CITY lender as defined by loan originations is Central Bank, with
197 loans originated. Their average total fees are
$5,055, which is $968
higher than the next largest lender,
IOWA BANKERS MORTGAGE CORPORATION.
The lowest fee SIOUX CITY lenders (with over 10 loans originated) are
First Dakota National Bank ($2,405), United Bank of Iowa ($3,001), Great Southern Bank ($3,390), U.S. Bank ($3,930) and SIOUXLAND FEDERAL CREDIT UNION ($3,969).
The lowest rate SIOUX CITY lenders (with over 10 loans originated) are
SIOUXLAND FEDERAL CREDIT UNION (6.32%), Central Bank (6.38%), West Gate Bank (6.40%), IOWA BANKERS MORTGAGE CORPORATION (6.41%) and Wells Fargo Bank (6.48%).
SIOUX CITY, IA-NE-SD 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 |
|---|---|---|---|---|
| Central Bank | $47,200,000 | $58,825,000 | 24.6% | 12.0% |
| The Security National Bank of Sioux City, Iowa | $30,285,000 | $30,175,000 | -0.4% | 6.2% |
| IOWA BANKERS MORTGAGE CORPORATION | $15,775,000 | $29,960,000 | 89.9% | 6.1% |
| Primebank | $36,040,000 | $28,530,000 | -20.8% | 5.8% |
| Northwest Bank | $33,050,000 | $25,550,000 | -22.7% | 5.2% |
| SIOUXLAND FEDERAL CREDIT UNION | $19,700,000 | $21,845,000 | 10.9% | 4.5% |
| QUICKEN LOANS, LLC | $17,090,000 | $19,670,000 | 15.1% | 4.0% |
| U.S. Bank | $13,870,000 | $17,095,000 | 23.3% | 3.5% |
| Pioneer Bank | $11,955,000 | $13,650,000 | 14.2% | 2.8% |
| First Interstate Bank | $50,000 | $12,420,000 | 24,740.0% | 2.5% |
| V.I.P. MORTGAGE, INC. | $5,155,000 | $11,660,000 | 126.2% | 2.4% |
| Great Southern Bank | $9,295,000 | $11,230,000 | 20.8% | 2.3% |
| Peoples Bank | $10,675,000 | $10,755,000 | 0.7% | 2.2% |
| Mortgage Research Center, LLC | $6,245,000 | $9,405,000 | 50.6% | 1.9% |
| BankFirst | $6,600,000 | $9,240,000 | 40.0% | 1.9% |
| First Dakota National Bank | $3,610,000 | $9,240,000 | 156.0% | 1.9% |
| Plains Commerce Bank | $12,215,000 | $8,520,000 | -30.2% | 1.7% |
| West Gate Bank | $3,585,000 | $7,180,000 | 100.3% | 1.5% |
| Wells Fargo Bank | $6,275,000 | $6,740,000 | 7.4% | 1.4% |
| Citizens Bank | $9,755,000 | $6,420,000 | -34.2% | 1.3% |
| GUARANTEED RATE, INC. | $7,725,000 | $5,890,000 | -23.8% | 1.2% |
| Heritage Bank | $6,745,000 | $5,885,000 | -12.8% | 1.2% |
| CHARTER WEST BANK | $2,400,000 | $5,600,000 | 133.3% | 1.1% |
| GREYSTONE SERVICING COMPANY LLC | $4,175,000 | n/a | 0.9% | |
| NEWREZ LLC | $4,650,000 | $4,030,000 | -13.3% | 0.8% |
| PLAZA HOME MORTGAGE, INC. | $3,130,000 | $3,850,000 | 23.0% | 0.8% |
| UNITED WHOLESALE MORTGAGE, LLC | $3,350,000 | $3,790,000 | 13.1% | 0.8% |
| Midstates Bank | $7,445,000 | $3,780,000 | -49.2% | 0.8% |
| Availa Bank | $2,635,000 | $3,560,000 | 35.1% | 0.7% |
| Telco Triad Community Credit Union | $3,185,000 | $3,555,000 | 11.6% | 0.7% |
| PENNYMAC LOAN SERVICES, LLC | $3,290,000 | $3,445,000 | 4.7% | 0.7% |
| Flagstar Bank, FSB | $3,420,000 | $3,240,000 | -5.3% | 0.7% |
| 21ST MORTGAGE CORPORATION | $2,160,000 | $2,995,000 | 38.7% | 0.6% |
| United Bank of Iowa | $1,960,000 | $2,995,000 | 52.8% | 0.6% |
| LOANDEPOT.COM, LLC | $1,460,000 | $2,650,000 | 81.5% | 0.5% |
| Bank of Dixon County | $2,435,000 | $2,625,000 | 7.8% | 0.5% |
| Liberty National Bank | $1,650,000 | $2,360,000 | 43.0% | 0.5% |
| MID AMERICA MORTGAGE, INC. | $330,000 | $2,355,000 | 613.6% | 0.5% |
| Bremer Bank | $2,345,000 | n/a | 0.5% | |
| First Bank & Trust | $1,025,000 | $2,260,000 | 120.5% | 0.5% |
| Midwest Heritage Bank FSB | $1,285,000 | $2,220,000 | 72.8% | 0.5% |
| Legacy Bank & Trust Company | $2,115,000 | n/a | 0.4% | |
| BROKER SOLUTIONS, INC. | $1,315,000 | $1,995,000 | 51.7% | 0.4% |
| First PREMIER Bank | $1,070,000 | $1,955,000 | 82.7% | 0.4% |
| FREEDOM MORTGAGE CORPORATION | $1,985,000 | $1,875,000 | -5.5% | 0.4% |
| First National Bank and Trust Company | $1,805,000 | n/a | 0.4% | |
| GUILD MORTGAGE COMPANY | $2,520,000 | $1,760,000 | -30.2% | 0.4% |
| First International Bank & Trust | $380,000 | $1,755,000 | 361.8% | 0.4% |
| JPMorgan Chase Bank | $470,000 | $1,740,000 | 270.2% | 0.4% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $2,020,000 | $1,555,000 | -23.0% | 0.3% |
| Premier Bank | $400,000 | $1,435,000 | 258.8% | 0.3% |
| USAA Federal Savings Bank | $1,455,000 | $1,415,000 | -2.7% | 0.3% |
| FNB BANK | $680,000 | $1,340,000 | 97.1% | 0.3% |
| Mr. Cooper ( Nationstar Mortgage ) | $1,690,000 | $1,330,000 | -21.3% | 0.3% |
| First National Bank of Omaha | $1,710,000 | $1,140,000 | -33.3% | 0.2% |
| FIRST COMMUNITY MORTGAGE, INC. | $1,090,000 | n/a | 0.2% | |
| Pinnacle Bank | $275,000 | $1,070,000 | 289.1% | 0.2% |
| Carrington Mortgage Services, LLC | $1,070,000 | $1,065,000 | -0.5% | 0.2% |
| NEW DAY FINANCIAL, LLC | $980,000 | $1,065,000 | 8.7% | 0.2% |
| F&M Bank | $3,545,000 | $1,030,000 | -70.9% | 0.2% |
| DAS Acquisition Company, LLC | $940,000 | n/a | 0.2% | |
| Stifel Bank and Trust | $570,000 | $865,000 | 51.8% | 0.2% |
| Security National Bank of South Dakota | $1,610,000 | $850,000 | -47.2% | 0.2% |
| CARDINAL FINANCIAL | $925,000 | $800,000 | -13.5% | 0.2% |
| VILLAGE CAPITAL MORTGAGE | $365,000 | $785,000 | 115.1% | 0.2% |
| First Savings Bank | $245,000 | $775,000 | 216.3% | 0.2% |
| ENDEAVOR CAPITAL, LLC. | $125,000 | $750,000 | 500.0% | 0.2% |
| VERIDIAN CREDIT UNION | $630,000 | $750,000 | 19.0% | 0.2% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,150,000 | $695,000 | -67.7% | 0.1% |
| American Bank & Trust | $265,000 | $680,000 | 156.6% | 0.1% |
| HOMEOWNERS FINANCIAL GROUP USA, LLC | $1,605,000 | $670,000 | -58.3% | 0.1% |
| Union Bank and Trust Company | $345,000 | $655,000 | 89.9% | 0.1% |
| Farm Credit Mid-America, ACA | $1,735,000 | $650,000 | -62.5% | 0.1% |
| The Federal Savings Bank | $440,000 | $645,000 | 46.6% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $230,000 | $620,000 | 169.6% | 0.1% |
| BLACK HILLS FEDERAL CREDIT UNION | $240,000 | $600,000 | 150.0% | 0.1% |
| Community Mortgage Banc Corporation | $585,000 | n/a | 0.1% | |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | $430,000 | $585,000 | 36.0% | 0.1% |
| Premier Credit Union | $580,000 | n/a | 0.1% | |
| ZILLOW HOME LOANS, LLC | $445,000 | $575,000 | 29.2% | 0.1% |
| NAVY FEDERAL CREDIT UNION | $3,020,000 | $560,000 | -81.5% | 0.1% |
| CMG MORTGAGE, INC. | $555,000 | n/a | 0.1% | |
| SIOUX FALLS | $55,000 | $540,000 | 881.8% | 0.1% |
| SIRVA MORTGAGE, INC. | $525,000 | n/a | 0.1% | |
| The First National Bank in Sioux Falls | $525,000 | n/a | 0.1% | |
| Figure Lending LLC | $200,000 | $520,000 | 160.0% | 0.1% |
| GREENSTATE CREDIT UNION | $1,285,000 | $510,000 | -60.3% | 0.1% |
| Bank of America | $110,000 | $495,000 | 350.0% | 0.1% |
| The Central Trust Bank | $585,000 | $485,000 | -17.1% | 0.1% |
| UIF CORPORATION | $485,000 | n/a | 0.1% | |
| Paramount Residential Mortgage Group, Inc. | $945,000 | $470,000 | -50.3% | 0.1% |
| CU MORTGAGE DIRECT, LLC | $455,000 | n/a | 0.1% | |
| BANKWEST, INC. | $315,000 | $445,000 | 41.3% | 0.1% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | $425,000 | $440,000 | 3.5% | 0.1% |
| Reliabank Dakota | $525,000 | $440,000 | -16.2% | 0.1% |
| PLANET HOME LENDING, LLC | $435,000 | n/a | 0.1% | |
| Heritage Bank | $6,745,000 | $425,000 | -93.7% | 0.1% |
| PHH Mortgage Corporation | $620,000 | $415,000 | -33.1% | 0.1% |
| AMERISAVE MORTGAGE CORPORATION | $1,350,000 | $405,000 | -70.0% | 0.1% |
| CORTRUST MORTGAGE, INC. | $405,000 | n/a | 0.1% | |
| Coastal Community Bank | $250,000 | $400,000 | 60.0% | 0.1% |
| Armed Forces Bank | $395,000 | n/a | 0.1% | |
| PNC Bank | $395,000 | $390,000 | -1.3% | 0.1% |
| American State Bank | $1,490,000 | $380,000 | -74.5% | 0.1% |
| AMERICAN FINANCING CORPORATION | $390,000 | $350,000 | -10.3% | 0.1% |
| Access Bank | $510,000 | $340,000 | -33.3% | 0.1% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $375,000 | $340,000 | -9.3% | 0.1% |
| Waterstone Mortgage Corporation | $295,000 | $335,000 | 13.6% | 0.1% |
| SOUTHWEST FUNDING, LP | $330,000 | n/a | 0.1% | |
| Fifth Third Bank | $325,000 | n/a | 0.1% | |
| First Western Trust Bank | $325,000 | n/a | 0.1% | |
| CHURCHILL MORTGAGE CORPORATION | $320,000 | n/a | 0.1% | |
| SUN WEST MORTGAGE COMPANY, INC. | $305,000 | n/a | 0.1% | |
| Ally Bank | $75,000 | $280,000 | 273.3% | 0.1% |
| Deere Employees Credit Union | $120,000 | $265,000 | 120.8% | 0.1% |
| First National Bank | $210,000 | $265,000 | 26.2% | 0.1% |
| SERVICE FIRST FEDERAL CREDIT UNION | $560,000 | $265,000 | -52.7% | 0.1% |
| EMM LOANS LLC | $255,000 | n/a | 0.1% | |
| FLAT BRANCH MORTGAGE, INC. | $235,000 | n/a | 0.0% | |
| Bank Midwest | $230,000 | n/a | 0.0% | |
| CorTrust Bank | $195,000 | $230,000 | 17.9% | 0.0% |
| Five Points Bank | $225,000 | n/a | 0.0% | |
| MORIA DEVELOPMENT, INC. | $225,000 | n/a | 0.0% | |
| NexBank | $225,000 | n/a | 0.0% | |
| Sierra Pacific Mortgage Company, Inc. | $225,000 | n/a | 0.0% | |
| Barrington Bank & Trust Company, N.A. | $350,000 | $215,000 | -38.6% | 0.0% |
| CLEARPATH LENDING | $215,000 | n/a | 0.0% | |
| FOUR POINTS | $215,000 | n/a | 0.0% | |
| Truist | $35,000 | $210,000 | 500.0% | 0.0% |
| NBKC BANK | $1,060,000 | $205,000 | -80.7% | 0.0% |
| Ixonia Bank | $75,000 | $195,000 | 160.0% | 0.0% |
| HOMESIDE FINANCIAL, LLC | $185,000 | n/a | 0.0% | |
| DUPACO COMMUNITY | $380,000 | $180,000 | -52.6% | 0.0% |
| BETTER MORTGAGE CORPORATION | $460,000 | $175,000 | -62.0% | 0.0% |
| OCMBC, INC. | $175,000 | n/a | 0.0% | |
| RESIDENTIAL BANCORP | $170,000 | n/a | 0.0% | |
| Dacotah Bank | $165,000 | n/a | 0.0% | |
| ARC HOME LLC | $155,000 | n/a | 0.0% | |
| Discover Bank | $215,000 | $155,000 | -27.9% | 0.0% |
| TRIAD FINANCIAL SERVICES, INC. | $195,000 | $155,000 | -20.5% | 0.0% |
| DELMAR FINANCIAL COMPANY | $145,000 | n/a | 0.0% | |
| PENTAGON FEDERAL CREDIT UNION | $145,000 | n/a | 0.0% | |
| NETWORK CAPITAL FUNDING CORPORATION | $135,000 | n/a | 0.0% | |
| UNITED MORTGAGE CORP | $135,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $490,000 | $130,000 | -73.5% | 0.0% |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,580,000 | $125,000 | -92.1% | 0.0% |
| Bethpage Federal Credit Union | $105,000 | n/a | 0.0% | |
| Elements Financial Federal Credit Union | $95,000 | n/a | 0.0% | |
| City State Bank | $85,000 | n/a | 0.0% | |
| CEDAR FALLS COMMUNITY CREDIT UNION | $65,000 | n/a | 0.0% | |
| First Nebraska Bank | $135,000 | $65,000 | -51.9% | 0.0% |
| Rivers Edge Bank | $115,000 | $65,000 | -43.5% | 0.0% |
| Cobalt Credit Union | $55,000 | n/a | 0.0% | |
| FINANCE OF AMERICA REVERSE LLC | $55,000 | n/a | 0.0% | |
| First Class Community Credit Union | $55,000 | n/a | 0.0% | |
| Bank Iowa | $45,000 | n/a | 0.0% | |
| VOYAGE FEDERAL CREDIT UNION | $45,000 | n/a | 0.0% | |
| Community Choice Credit Union | $35,000 | n/a | 0.0% | |
| Service Federal Credit Union | $25,000 | n/a | 0.0% | |
| Third Federal Savings and Loan Association of Cleveland | $25,000 | n/a | 0.0% | |
| First Savings Bank | $245,000 | $15,000 | -93.9% | 0.0% |
SIOUX CITY's top lender by overall market share is Central Bank, with 12.0% market share. In second place, with 6.2%, is The Security National Bank of Sioux City, Iowa, having originated $30,175,000 in loans. In third place, with 6.1%, is IOWA BANKERS MORTGAGE CORPORATION, having originated $29,960,000 in loans. In fourth place, with 5.8%, is Primebank, having originated $28,530,000 in loans. In fifth place, with 5.2%, is Northwest Bank, having originated $25,550,000 in loans.
SIOUX CITY Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - SIOUX CITY (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 | $206,000 (14.5%) | $264,028 (7.2%) | 0.74 | 295 |
| 2018-02-01 | $209,788 (17.0%) | $267,782 (14.2%) | 0.75 | 282 |
| 2018-03-01 | $219,900 (18.0%) | $259,655 (7.2%) | 0.71 | 287 |
| 2018-04-01 | $218,175 (12.8%) | $256,267 (5.0%) | 0.69 | 307 |
| 2018-05-01 | $225,000 (18.1%) | $262,812 (3.6%) | 0.70 | 295 |
| 2018-06-01 | $220,000 (15.8%) | $263,302 (4.4%) | 0.72 | 297 |
| 2018-07-01 | $224,950 (12.8%) | $268,749 (7.5%) | 0.73 | 298 |
| 2018-08-01 | $213,975 (8.1%) | $260,262 (4.2%) | 0.69 | 298 |
| 2018-09-01 | $204,500 (2.8%) | $256,206 (1.1%) | 0.70 | 323 |
| 2018-10-01 | $210,463 (5.3%) | $255,734 (0.8%) | 0.72 | 323 |
| 2018-11-01 | $203,000 (2.0%) | $252,357 (2.5%) | 0.70 | 334 |
| 2018-12-01 | $199,900 (-0.1%) | $255,911 (-1.5%) | 0.70 | 326 |
| 2019-01-01 | $196,624 (-4.6%) | $245,541 (-7.0%) | 0.69 | 326 |
| 2019-02-01 | $212,988 (1.5%) | $250,438 (-6.5%) | 0.72 | 299 |
| 2019-03-01 | $229,979 (4.6%) | $264,185 (1.7%) | 0.73 | 275 |
| 2019-04-01 | $249,963 (14.6%) | $285,470 (11.4%) | 0.76 | 255 |
| 2019-05-01 | $250,965 (11.5%) | $299,162 (13.8%) | 0.76 | 258 |
| 2019-06-01 | $259,000 (17.7%) | $304,896 (15.8%) | 0.77 | 267 |
| 2019-07-01 | $245,000 (8.9%) | $291,915 (8.6%) | 0.73 | 276 |
| 2019-08-01 | $234,766 (9.7%) | $283,252 (8.8%) | 0.71 | 299 |
| 2019-09-01 | $219,415 (7.3%) | $268,545 (4.8%) | 0.69 | 331 |
| 2019-10-01 | $205,213 (-2.5%) | $256,870 (0.4%) | 0.63 | 362 |
| 2019-11-01 | $199,950 (-1.5%) | $251,561 (-0.3%) | 0.62 | 357 |
| 2019-12-01 | $197,725 (-1.1%) | $250,771 (-2.0%) | 0.64 | 333 |
| 2020-01-01 | $199,125 (1.3%) | $251,983 (2.6%) | 0.64 | 319 |
| 2020-02-01 | $199,700 (-6.2%) | $254,828 (1.8%) | 0.64 | 292 |
| 2020-03-01 | $214,700 (-6.6%) | $261,794 (-0.9%) | 0.63 | 285 |
| 2020-04-01 | $219,950 (-12.0%) | $264,407 (-7.4%) | 0.69 | 281 |
| 2020-05-01 | $232,500 (-7.4%) | $275,857 (-7.8%) | 0.70 | 292 |
| 2020-06-01 | $234,913 (-9.3%) | $272,724 (-10.6%) | 0.68 | 311 |
| 2020-07-01 | $238,600 (-2.6%) | $276,174 (-5.4%) | 0.68 | 282 |
| 2020-08-01 | $225,000 (-4.2%) | $275,181 (-2.9%) | 0.64 | 262 |
| 2020-09-01 | $223,500 (1.9%) | $278,026 (3.5%) | 0.64 | 259 |
| 2020-10-01 | $221,950 (8.2%) | $276,867 (7.8%) | 0.62 | 242 |
| 2020-11-01 | $219,725 (9.9%) | $278,962 (10.9%) | 0.63 | 235 |
| 2020-12-01 | $227,475 (15.1%) | $275,846 (10.0%) | 0.68 | 204 |
| 2021-01-01 | $248,450 (24.8%) | $286,919 (13.9%) | 0.73 | 181 |
| 2021-02-01 | $262,500 (31.5%) | $299,754 (17.6%) | 0.73 | 167 |
| 2021-03-01 | $269,925 (25.7%) | $304,698 (16.4%) | 0.73 | 157 |
| 2021-04-01 | $280,950 (27.7%) | $321,419 (21.6%) | 0.75 | 145 |
| 2021-05-01 | $259,900 (11.8%) | $307,750 (11.6%) | 0.70 | 146 |
| 2021-06-01 | $254,950 (8.5%) | $293,846 (7.7%) | 0.69 | 157 |
| 2021-07-01 | $229,000 (-4.0%) | $285,765 (3.5%) | 0.61 | 169 |
| 2021-08-01 | $221,200 (-1.7%) | $288,245 (4.8%) | 0.60 | 197 |
| 2021-09-01 | $201,213 (-10.0%) | $268,988 (-3.3%) | 0.54 | 193 |
| 2021-10-01 | $199,250 (-10.2%) | $260,753 (-5.8%) | 0.53 | 192 |
| 2021-11-01 | $192,850 (-12.2%) | $296,988 (6.5%) | 0.51 | 171 |
| 2021-12-01 | $203,725 (-10.4%) | $316,086 (14.6%) | 0.55 | 143 |
| 2022-01-01 | $205,000 (-17.5%) | $349,540 (21.8%) | 0.55 | 111 |
| 2022-02-01 | $298,250 (13.6%) | $393,317 (31.2%) | 0.74 | 108 |
| 2022-03-01 | $307,500 (13.9%) | $402,874 (32.2%) | 0.73 | 97 |
| 2022-04-01 | $300,000 (6.8%) | $391,673 (21.9%) | 0.73 | 103 |
| 2022-05-01 | $307,250 (18.2%) | $402,708 (30.9%) | 0.69 | 120 |
| 2022-06-01 | $312,000 (22.4%) | $405,527 (38.0%) | 0.68 | 141 |
| 2022-07-01 | $295,000 (28.8%) | $377,764 (32.2%) | 0.66 | 170 |
| 2022-08-01 | $290,000 (31.1%) | $375,894 (30.4%) | 0.66 | 174 |
| 2022-09-01 | $279,950 (39.1%) | $369,295 (37.3%) | 0.00 | 177 |
| 2022-10-01 | $297,000 (49.1%) | $355,854 (36.5%) | 0.00 | 181 |
| 2022-11-01 | $297,100 (54.1%) | $353,361 (19.0%) | 0.00 | 216 |
| 2022-12-01 | $314,700 (54.5%) | $393,947 (24.6%) | 0.00 | 215 |
| 2023-01-01 | $315,275 (53.8%) | $400,723 (14.6%) | 0.00 | 191 |
| 2023-02-01 | $315,750 (5.9%) | $409,045 (4.0%) | 0.00 | 189 |
| 2023-03-01 | $339,500 (10.4%) | $431,840 (7.2%) | 0.00 | 177 |
| 2023-04-01 | $360,000 (20.0%) | $439,465 (12.2%) | 0.00 | 170 |
| 2023-05-01 | $336,844 (9.6%) | $433,404 (7.6%) | 0.00 | 181 |
| 2023-06-01 | $346,000 (10.9%) | $435,517 (7.4%) | 0.00 | 191 |
| 2023-07-01 | $339,900 (15.2%) | $416,611 (10.3%) | 0.00 | 203 |
| 2023-08-01 | $319,475 (10.2%) | $409,050 (8.8%) | 0.00 | 212 |
| 2023-09-01 | $284,975 (1.8%) | $388,697 (5.3%) | 0.00 | 252 |
| 2023-10-01 | $271,363 (-8.6%) | $380,814 (7.0%) | 0.00 | 246 |
| 2023-11-01 | $252,400 (-15.1%) | $352,598 (-0.2%) | 0.00 | 259 |
| 2023-12-01 | $252,950 (-19.6%) | $357,123 (-9.4%) | 0.00 | 241 |
| 2024-01-01 | $252,000 (-20.1%) | $357,508 (-10.8%) | 0.00 | 220 |
| 2024-02-01 | $250,363 (-20.7%) | $363,934 (-11.0%) | 0.00 | 203 |
| 2024-03-01 | $284,950 (-16.1%) | $385,642 (-10.7%) | 0.00 | 223 |
| 2024-04-01 | $304,988 (-15.3%) | $387,663 (-11.8%) | 0.00 | 233 |
| 2024-05-01 | $324,988 (-3.5%) | $397,509 (-8.3%) | 0.00 | 241 |
| 2024-06-01 | $315,000 (-9.0%) | $388,019 (-10.9%) | 0.00 | 252 |
| 2024-07-01 | $306,125 (-9.9%) | $377,818 (-9.3%) | 0.00 | 263 |
| 2024-08-01 | $279,000 (-12.7%) | $365,937 (-10.5%) | 0.00 | 268 |
| 2024-09-01 | $295,000 (3.5%) | $375,589 (-3.4%) | 0.00 | 268 |
| 2024-10-01 | $284,450 (4.8%) | $374,510 (-1.7%) | 0.00 | 260 |
| 2024-11-01 | $282,500 (11.9%) | $362,525 (2.8%) | 0.00 | 253 |
| 2024-12-01 | $289,725 (14.5%) | $356,378 (-0.2%) | 0.00 | 230 |
| 2025-01-01 | $295,983 (17.5%) | $361,439 (1.1%) | 0.00 | 216 |
| 2025-02-01 | $299,950 (19.8%) | $377,717 (3.8%) | 0.00 | 217 |
| 2025-03-01 | $299,950 (5.3%) | $396,273 (2.8%) | 0.00 | 213 |
| 2025-04-01 | $304,000 (-0.3%) | $401,553 (3.6%) | 0.00 | 218 |
SIOUX CITY's median listing price comes in at 0% of the national average.
SIOUX CITY's average listing price for 2025-04-01 was $401,553, a difference of $13,890 (3.6%) versus the prior year and $5,280 versus the prior month.
For the 2025-04-01 period, SIOUX CITY had 218 MLS listings, a difference of 5 listings (2%) versus the prior month and -15 listings (-6%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - SIOUX CITY (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 95 days | 1,904 sqft |
| 2018-02-01 | 94 days | 1,961 sqft |
| 2018-03-01 | 74 days | 1,910 sqft |
| 2018-04-01 | 50 days | 1,904 sqft |
| 2018-05-01 | 53 days | 1,947 sqft |
| 2018-06-01 | 57 days | 1,952 sqft |
| 2018-07-01 | 61 days | 1,950 sqft |
| 2018-08-01 | 58 days | 2,016 sqft |
| 2018-09-01 | 51 days | 1,964 sqft |
| 2018-10-01 | 58 days | 1,978 sqft |
| 2018-11-01 | 59 days | 1,918 sqft |
| 2018-12-01 | 72 days | 1,899 sqft |
| 2019-01-01 | 88 days | 1,878 sqft |
| 2019-02-01 | 95 days | 1,816 sqft |
| 2019-03-01 | 90 days | 1,844 sqft |
| 2019-04-01 | 64 days | 1,890 sqft |
| 2019-05-01 | 48 days | 1,969 sqft |
| 2019-06-01 | 56 days | 2,016 sqft |
| 2019-07-01 | 52 days | 1,980 sqft |
| 2019-08-01 | 55 days | 1,967 sqft |
| 2019-09-01 | 51 days | 1,949 sqft |
| 2019-10-01 | 49 days | 1,924 sqft |
| 2019-11-01 | 59 days | 1,917 sqft |
| 2019-12-01 | 72 days | 1,937 sqft |
| 2020-01-01 | 84 days | 1,933 sqft |
| 2020-02-01 | 80 days | 1,932 sqft |
| 2020-03-01 | 63 days | 1,960 sqft |
| 2020-04-01 | 67 days | 1,910 sqft |
| 2020-05-01 | 64 days | 1,932 sqft |
| 2020-06-01 | 54 days | 1,920 sqft |
| 2020-07-01 | 57 days | 1,905 sqft |
| 2020-08-01 | 65 days | 1,820 sqft |
| 2020-09-01 | 58 days | 1,833 sqft |
| 2020-10-01 | 55 days | 1,898 sqft |
| 2020-11-01 | 58 days | 1,830 sqft |
| 2020-12-01 | 71 days | 1,737 sqft |
| 2021-01-01 | 85 days | 1,751 sqft |
| 2021-02-01 | 94 days | 1,731 sqft |
| 2021-03-01 | 64 days | 1,790 sqft |
| 2021-04-01 | 50 days | 1,914 sqft |
| 2021-05-01 | 38 days | 1,864 sqft |
| 2021-06-01 | 37 days | 1,862 sqft |
| 2021-07-01 | 32 days | 1,836 sqft |
| 2021-08-01 | 38 days | 1,711 sqft |
| 2021-09-01 | 41 days | 1,622 sqft |
| 2021-10-01 | 37 days | 1,658 sqft |
| 2021-11-01 | 45 days | 1,610 sqft |
| 2021-12-01 | 55 days | 1,591 sqft |
| 2022-01-01 | 67 days | 1,550 sqft |
| 2022-02-01 | 37 days | 1,687 sqft |
| 2022-03-01 | 46 days | 1,744 sqft |
| 2022-04-01 | 38 days | 1,730 sqft |
| 2022-05-01 | 34 days | 1,793 sqft |
| 2022-06-01 | 30 days | 1,920 sqft |
| 2022-07-01 | 35 days | 1,877 sqft |
| 2022-08-01 | 39 days | 1,895 sqft |
| 2022-09-01 | 0 days | 1,882 sqft |
| 2022-10-01 | 0 days | 1,977 sqft |
| 2022-11-01 | 0 days | 1,916 sqft |
| 2022-12-01 | 0 days | 2,098 sqft |
| 2023-01-01 | 0 days | 2,139 sqft |
| 2023-02-01 | 0 days | 2,135 sqft |
| 2023-03-01 | 0 days | 2,239 sqft |
| 2023-04-01 | 0 days | 2,352 sqft |
| 2023-05-01 | 0 days | 2,096 sqft |
| 2023-06-01 | 0 days | 2,167 sqft |
| 2023-07-01 | 0 days | 2,072 sqft |
| 2023-08-01 | 0 days | 2,100 sqft |
| 2023-09-01 | 0 days | 2,062 sqft |
| 2023-10-01 | 0 days | 1,981 sqft |
| 2023-11-01 | 0 days | 1,845 sqft |
| 2023-12-01 | 0 days | 1,822 sqft |
| 2024-01-01 | 0 days | 1,809 sqft |
| 2024-02-01 | 0 days | 1,844 sqft |
| 2024-03-01 | 0 days | 1,884 sqft |
| 2024-04-01 | 0 days | 2,045 sqft |
| 2024-05-01 | 0 days | 2,026 sqft |
| 2024-06-01 | 0 days | 2,092 sqft |
| 2024-07-01 | 0 days | 1,976 sqft |
| 2024-08-01 | 0 days | 1,980 sqft |
| 2024-09-01 | 0 days | 2,013 sqft |
| 2024-10-01 | 0 days | 1,990 sqft |
| 2024-11-01 | 0 days | 1,912 sqft |
| 2024-12-01 | 0 days | 1,820 sqft |
| 2025-01-01 | 0 days | 1,839 sqft |
| 2025-02-01 | 0 days | 1,865 sqft |
| 2025-03-01 | 0 days | 1,919 sqft |
| 2025-04-01 | 0 days | 1,927 sqft |
SIOUX CITY's median square footage for active listings during the 2025-04-01 period was 1,927 sqft. One year prior, the average listing was 2,045 sqft.
SIOUX CITY, IA-NE-SD Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 1,567 | $340,205,000 | $217,106 |
| Refi | 411 | $81,255,000 | $197,701 |
| Cash Out Refi | 305 | $42,375,000 | $138,934 |
| Other | 204 | $14,920,000 | $73,137 |
| Home Improvement | 179 | $10,595,000 | $59,190 |
Sioux City's most frequently cited loan purpose was Home Purchase, with 1,567 originations. The 2nd most popular reason was Refi, with 411 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 910 | $205,200,000 | $225,495 |
| 7-8% | 337 | $56,735,000 | $168,353 |
| 5-6% | 328 | $65,260,000 | $198,963 |
| Over 8% | 319 | $24,925,000 | $78,135 |
| 4-5% | 18 | $8,850,000 | $491,667 |
| <2.5% | 11 | $95,000 | $8,636 |
| 2.5-3% | 1 | $45,000 | $45,000 |
During 2024, Sioux City's most frequently originated rate bucket was 6-7%, with 910 originations.
Loan Sizing (SIOUX CITY, IA-NE-SD MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $100,000 or less | 905 | $46,655,000 | $51,552 |
| $100k-200k | 902 | $135,220,000 | $149,911 |
| $200k-400k | 721 | $195,315,000 | $270,895 |
| $400k-600k | 97 | $45,075,000 | $464,691 |
| $600k-1000k | 22 | $16,310,000 | $741,364 |
| $Over $1MM | 19 | $50,775,000 | $2,672,368 |
SIOUX CITY's loan sizing saw the bucket of loans from $100,000 or less with 905 originations, totaling $46,655,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 904 | $200,750,000 | $222,069 |
| 60-80% | 373 | $95,525,000 | $256,099 |
| Under 20% | 235 | $9,335,000 | $39,723 |
| 20-40% | 228 | $19,600,000 | $85,965 |
| 40-60% | 139 | $24,915,000 | $179,245 |
| Over 100% | 21 | $6,705,000 | $319,286 |
SIOUX CITY's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 904 originations, totaling $200,750,000 in origination value.