Alamogordo USDA Loan Rates, Closing Costs & Stats

Alamogordo, NM

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    • USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

    Alamogordo USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Alamogordo averaged 6.6% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Alamogordo's average USDA mortgage closing costs are $7,531.

    The average rate for the prior week (2025-02-07) was 6.55% and one month ago for the week of 2025-01-10, the average rate was 6.4%.

    The average rate one year ago was 6.39%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.63%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Alamogordo USDA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Alamogordo level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs

    The lowest fee Alamogordo USDA lenders (with over 10 loans originated) are .

    The lowest rate Alamogordo USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Alamogordo (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 $178,750 (12.1%) $204,026 (8.3%) 0.00 647
    2018-02-01 $179,500 (12.5%) $205,399 (8.5%) 0.00 637
    2018-03-01 $179,700 (12.4%) $207,852 (6.0%) 0.00 614
    2018-04-01 $183,500 (11.3%) $210,883 (6.2%) 0.00 603
    2018-05-01 $180,600 (9.5%) $211,969 (7.0%) 0.00 590
    2018-06-01 $177,500 (3.3%) $214,429 (1.5%) 0.00 579
    2018-07-01 $178,950 (4.2%) $220,715 (3.2%) 0.00 573
    2018-08-01 $179,700 (5.8%) $224,814 (5.0%) 0.00 570
    2018-09-01 $179,900 (5.8%) $223,874 (4.6%) 0.00 538
    2018-10-01 $179,250 (2.5%) $223,419 (9.1%) 0.00 506
    2018-11-01 $173,574 (-0.5%) $221,456 (10.5%) 0.00 473
    2018-12-01 $174,900 (0.5%) $225,915 (13.6%) 0.00 451
    2019-01-01 $182,475 (2.1%) $231,726 (13.6%) 0.00 426
    2019-02-01 $185,310 (3.2%) $230,295 (12.1%) 0.00 402
    2019-03-01 $190,926 (6.3%) $229,896 (10.6%) 0.00 405
    2019-04-01 $198,750 (8.3%) $230,296 (9.2%) 0.00 423
    2019-05-01 $198,375 (9.8%) $230,282 (8.6%) 0.00 446
    2019-06-01 $194,500 (9.6%) $229,322 (7.0%) 0.00 448
    2019-07-01 $190,000 (6.2%) $228,466 (3.5%) 0.00 448
    2019-08-01 $189,864 (5.7%) $228,176 (1.5%) 0.00 422
    2019-09-01 $189,659 (5.4%) $226,240 (1.1%) 0.00 411
    2019-10-01 $188,725 (5.3%) $221,781 (-0.7%) 0.00 399
    2019-11-01 $178,750 (3.0%) $212,890 (-3.9%) 0.00 389
    2019-12-01 $183,800 (5.1%) $217,780 (-3.6%) 0.00 367
    2020-01-01 $188,150 (3.1%) $219,385 (-5.3%) 0.00 359
    2020-02-01 $198,950 (7.4%) $229,727 (-0.3%) 0.00 353
    2020-03-01 $197,375 (3.4%) $229,001 (-0.4%) 0.00 329
    2020-04-01 $191,900 (-3.5%) $224,013 (-2.7%) 0.00 319
    2020-05-01 $198,500 (0.1%) $231,280 (0.4%) 0.00 281
    2020-06-01 $208,850 (7.4%) $244,059 (6.4%) 0.00 221
    2020-07-01 $216,200 (13.8%) $245,058 (7.3%) 0.00 198
    2020-08-01 $219,900 (15.8%) $257,050 (12.7%) 0.00 172
    2020-09-01 $219,225 (15.6%) $258,885 (14.4%) 0.00 178
    2020-10-01 $220,000 (16.6%) $285,813 (28.9%) 0.00 174
    2020-11-01 $215,625 (20.6%) $277,890 (30.5%) 0.00 163
    2020-12-01 $215,700 (17.4%) $316,831 (45.5%) 0.00 167
    2021-01-01 $204,700 (8.8%) $308,509 (40.6%) 0.00 163
    2021-02-01 $195,750 (-1.6%) $302,232 (31.6%) 0.00 137
    2021-03-01 $187,100 (-5.2%) $309,687 (35.2%) 0.00 121
    2021-04-01 $201,600 (5.1%) $334,121 (49.2%) 0.00 110
    2021-05-01 $229,850 (15.8%) $352,441 (52.4%) 0.00 113
    2021-06-01 $224,850 (7.7%) $338,585 (38.7%) 0.00 142
    2021-07-01 $239,500 (10.8%) $354,667 (44.7%) 0.00 148
    2021-08-01 $222,500 (1.2%) $366,345 (42.5%) 0.00 149
    2021-09-01 $212,750 (-3.0%) $382,076 (47.6%) 0.00 144
    2021-10-01 $239,000 (8.6%) $396,975 (38.9%) 0.00 135
    2021-11-01 $254,200 (17.9%) $377,783 (36.0%) 0.00 131
    2021-12-01 $266,125 (23.4%) $413,920 (30.6%) 0.00 118
    2022-01-01 $262,000 (28.0%) $386,145 (25.2%) 0.00 106
    2022-02-01 $267,375 (36.6%) $371,089 (22.8%) 0.00 87
    2022-03-01 $288,475 (54.2%) $380,333 (22.8%) 0.00 85
    2022-04-01 $269,000 (33.4%) $416,193 (24.6%) 0.00 98
    2022-05-01 $257,225 (11.9%) $390,462 (10.8%) 0.00 119
    2022-06-01 $266,250 (18.4%) $378,214 (11.7%) 0.00 134
    2022-07-01 $270,000 (12.7%) $358,677 (1.1%) 0.00 160
    2022-08-01 $273,450 (22.9%) $365,389 (-0.3%) 0.00 152
    2022-09-01 $286,000 (34.4%) $372,690 (-2.5%) 0.00 130
    2022-10-01 $284,500 (19.0%) $375,021 (-5.5%) 0.00 131
    2022-11-01 $299,500 (17.8%) $394,317 (4.4%) 0.00 133
    2022-12-01 $299,500 (12.5%) $396,434 (-4.2%) 0.00 135
    2023-01-01 $304,750 (16.3%) $400,508 (3.7%) 0.00 130
    2023-02-01 $316,635 (18.4%) $415,975 (12.1%) 0.00 114
    2023-03-01 $325,225 (12.7%) $413,678 (8.8%) 0.00 112
    2023-04-01 $299,700 (11.4%) $391,887 (-5.8%) 0.00 119
    2023-05-01 $297,075 (15.5%) $371,935 (-4.7%) 0.00 135
    2023-06-01 $334,725 (25.7%) $405,377 (7.2%) 0.00 137
    2023-07-01 $319,350 (18.3%) $386,561 (7.8%) 0.00 148
    2023-08-01 $335,750 (22.8%) $401,771 (10.0%) 0.00 142
    2023-09-01 $319,600 (11.8%) $392,861 (5.4%) 0.00 153
    2023-10-01 $315,000 (10.7%) $392,120 (4.6%) 0.00 166
    2023-11-01 $299,600 (0.0%) $388,351 (-1.5%) 0.00 173
    2023-12-01 $299,000 (-0.2%) $394,834 (-0.4%) 0.00 182
    2024-01-01 $293,450 (-3.7%) $391,045 (-2.4%) 0.00 174
    2024-02-01 $295,650 (-6.6%) $380,322 (-8.6%) 0.00 180
    2024-03-01 $329,720 (1.4%) $393,278 (-4.9%) 0.00 175
    2024-04-01 $328,000 (9.4%) $400,364 (2.2%) 0.00 177
    2024-05-01 $320,008 (7.7%) $373,596 (0.5%) 0.00 195
    2024-06-01 $314,700 (-6.0%) $377,973 (-6.8%) 0.00 241
    2024-07-01 $304,475 (-4.7%) $378,620 (-2.1%) 0.00 240
    2024-08-01 $315,500 (-6.0%) $383,942 (-4.4%) 0.00 251
    2024-09-01 $306,250 (-4.2%) $394,502 (0.4%) 0.00 244
    2024-10-01 $299,325 (-5.0%) $392,918 (0.2%) 0.00 257
    2024-11-01 $309,700 (3.4%) $398,529 (2.6%) 0.00 261
    2024-12-01 $299,250 (0.1%) $376,182 (-4.7%) 0.00 257
    2025-01-01 $304,975 (3.9%) $374,779 (-4.2%) 0.00 251
    Alamogordo's median listing price for 2025-01-01 was $304,975, a difference of $11,525 (3.9%) versus the prior year and $5,725 versus the prior month.

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

    Alamogordo's average listing price for 2025-01-01 was $374,779, a difference of $-16,266 (-4.2%) versus the prior year and $-1,403 versus the prior month.

    For the 2025-01-01 period, Alamogordo had 251 MLS listings, a difference of -6 listings (-2%) versus the prior month and 77 listings (44%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Alamogordo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,755 sqft
    2018-02-01 0 days 1,753 sqft
    2018-03-01 0 days 1,760 sqft
    2018-04-01 0 days 1,784 sqft
    2018-05-01 0 days 1,794 sqft
    2018-06-01 0 days 1,776 sqft
    2018-07-01 0 days 1,796 sqft
    2018-08-01 0 days 1,812 sqft
    2018-09-01 0 days 1,816 sqft
    2018-10-01 0 days 1,818 sqft
    2018-11-01 0 days 1,813 sqft
    2018-12-01 0 days 1,819 sqft
    2019-01-01 0 days 1,835 sqft
    2019-02-01 0 days 1,841 sqft
    2019-03-01 0 days 1,843 sqft
    2019-04-01 0 days 1,858 sqft
    2019-05-01 0 days 1,854 sqft
    2019-06-01 0 days 1,845 sqft
    2019-07-01 0 days 1,826 sqft
    2019-08-01 0 days 1,821 sqft
    2019-09-01 0 days 1,811 sqft
    2019-10-01 0 days 1,796 sqft
    2019-11-01 0 days 1,777 sqft
    2019-12-01 0 days 1,803 sqft
    2020-01-01 0 days 1,816 sqft
    2020-02-01 0 days 1,851 sqft
    2020-03-01 0 days 1,811 sqft
    2020-04-01 0 days 1,801 sqft
    2020-05-01 0 days 1,800 sqft
    2020-06-01 0 days 1,827 sqft
    2020-07-01 0 days 1,826 sqft
    2020-08-01 0 days 1,875 sqft
    2020-09-01 0 days 1,808 sqft
    2020-10-01 0 days 1,803 sqft
    2020-11-01 0 days 1,785 sqft
    2020-12-01 0 days 1,778 sqft
    2021-01-01 0 days 1,775 sqft
    2021-02-01 0 days 1,766 sqft
    2021-03-01 0 days 1,674 sqft
    2021-04-01 0 days 1,774 sqft
    2021-05-01 0 days 1,923 sqft
    2021-06-01 0 days 1,845 sqft
    2021-07-01 0 days 1,816 sqft
    2021-08-01 0 days 1,782 sqft
    2021-09-01 0 days 1,732 sqft
    2021-10-01 0 days 1,859 sqft
    2021-11-01 0 days 1,792 sqft
    2021-12-01 0 days 1,888 sqft
    2022-01-01 0 days 1,801 sqft
    2022-02-01 0 days 1,801 sqft
    2022-03-01 0 days 1,946 sqft
    2022-04-01 0 days 1,942 sqft
    2022-05-01 0 days 1,824 sqft
    2022-06-01 0 days 1,818 sqft
    2022-07-01 0 days 1,822 sqft
    2022-08-01 0 days 1,854 sqft
    2022-09-01 0 days 1,882 sqft
    2022-10-01 0 days 1,900 sqft
    2022-11-01 0 days 2,005 sqft
    2022-12-01 0 days 2,008 sqft
    2023-01-01 0 days 1,986 sqft
    2023-02-01 0 days 2,019 sqft
    2023-03-01 0 days 1,991 sqft
    2023-04-01 0 days 1,945 sqft
    2023-05-01 0 days 1,865 sqft
    2023-06-01 0 days 1,951 sqft
    2023-07-01 0 days 1,940 sqft
    2023-08-01 0 days 1,971 sqft
    2023-09-01 0 days 1,936 sqft
    2023-10-01 0 days 1,915 sqft
    2023-11-01 0 days 1,900 sqft
    2023-12-01 0 days 1,895 sqft
    2024-01-01 0 days 1,912 sqft
    2024-02-01 0 days 1,907 sqft
    2024-03-01 0 days 1,921 sqft
    2024-04-01 0 days 1,906 sqft
    2024-05-01 0 days 1,870 sqft
    2024-06-01 0 days 1,848 sqft
    2024-07-01 0 days 1,839 sqft
    2024-08-01 0 days 1,848 sqft
    2024-09-01 0 days 1,860 sqft
    2024-10-01 0 days 1,822 sqft
    2024-11-01 0 days 1,840 sqft
    2024-12-01 0 days 1,829 sqft
    2025-01-01 0 days 1,887 sqft
    Alamogordo's median listing age (time on market) for 2025-01-01 was 0 days.

    Alamogordo's median square footage for active listings during the 2025-01-01 period was 1,887 sqft. One year prior, the average listing was 1,912 sqft.