Anchorage USDA Loan Rates, Closing Costs & Stats

ANCHORAGE, AK

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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.

    Anchorage's 10 lenders originated 18 USDA loans during 2024. The total origination value was $5,970,000, with an average USDA loan value of $331,667.

    Anchorage USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Anchorage averaged 6.32% for the week of 2025-05-23, compared to the national average (all USDA variants) of 6.433% for the same period.

    Anchorage's average USDA mortgage closing costs are $5,373.

    The average rate for the prior week (2025-05-16) was 6.45% and one month ago for the week of 2025-04-18, the average rate was 6.24%.

    The average rate one year ago was 6.41%.

    For refis of the same type during the week of 2025-05-23, the average rate was 5.9%.

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

    Anchorage 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 Anchorage level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    MOVEMENT MORTGAGE, LLC 3 6.54% $9,381
    NEWREZ LLC 2 6.49% $10,355
    GUILD MORTGAGE COMPANY 2 5.69% $8,908
    UNITED WHOLESALE MORTGAGE, LLC 2 5.75% $13,162
    RESIDENTIAL MORTGAGE, LLC 1 5.25% $8,596
    TruHome Solutions, LLC 1 5.63% $8,503
    Paramount Residential Mortgage Group, Inc. 1 6.13% $8,679
    CANOPY MORTGAGE, LLC 1 6.13% $8,738
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.50% $5,253
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 5.38% $12,664

    The top Anchorage USDA lender as defined by loan originations is MOVEMENT MORTGAGE, LLC, with 3 USDA loans originated. Their average total fees are $9,381, which is $974 lower than the next largest lender, NEWREZ LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Anchorage (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 $288,500 (-3.0%) $332,753 (-2.9%) 1.07 1,508
    2018-02-01 $289,500 (-2.2%) $335,413 (-1.8%) 1.05 1,517
    2018-03-01 $299,000 (-0.2%) $341,951 (-2.3%) 1.05 1,667
    2018-04-01 $309,900 (0.0%) $348,350 (-0.4%) 1.05 1,753
    2018-05-01 $314,998 (2.6%) $348,042 (1.0%) 1.05 1,927
    2018-06-01 $309,900 (0.3%) $340,410 (-1.0%) 1.03 2,168
    2018-07-01 $303,675 (-0.8%) $337,972 (-1.7%) 1.01 2,339
    2018-08-01 $304,950 (0.8%) $340,913 (0.5%) 1.02 2,371
    2018-09-01 $307,000 (3.3%) $339,410 (1.2%) 1.03 2,263
    2018-10-01 $299,900 (1.2%) $335,023 (-0.1%) 1.02 2,056
    2018-11-01 $299,950 (3.8%) $335,474 (1.0%) 1.02 1,874
    2018-12-01 $299,900 (5.1%) $333,251 (0.6%) 1.03 1,662
    2019-01-01 $299,950 (4.0%) $330,863 (-0.6%) 1.04 1,449
    2019-02-01 $307,350 (6.2%) $335,554 (0.0%) 1.04 1,504
    2019-03-01 $317,100 (6.1%) $343,442 (0.4%) 1.04 1,558
    2019-04-01 $322,450 (4.1%) $349,666 (0.4%) 1.02 1,633
    2019-05-01 $324,950 (3.2%) $353,521 (1.6%) 1.02 1,784
    2019-06-01 $320,000 (3.3%) $352,669 (3.6%) 1.00 1,961
    2019-07-01 $319,500 (5.2%) $351,339 (4.0%) 1.00 2,068
    2019-08-01 $315,727 (3.5%) $348,201 (2.1%) 1.00 2,044
    2019-09-01 $316,443 (3.1%) $348,627 (2.7%) 1.01 1,973
    2019-10-01 $318,000 (6.0%) $349,748 (4.4%) 1.03 1,900
    2019-11-01 $317,500 (5.9%) $350,912 (4.6%) 1.04 1,694
    2019-12-01 $311,500 (3.9%) $345,421 (3.7%) 1.04 1,518
    2020-01-01 $311,625 (3.9%) $348,195 (5.2%) 1.04 1,329
    2020-02-01 $319,000 (3.8%) $355,383 (5.9%) 1.04 1,252
    2020-03-01 $319,450 (0.7%) $357,255 (4.0%) 1.00 1,231
    2020-04-01 $319,500 (-0.9%) $355,402 (1.6%) 1.00 1,296
    2020-05-01 $329,900 (1.5%) $365,350 (3.4%) 1.00 1,410
    2020-06-01 $330,000 (3.1%) $373,587 (5.9%) 0.97 1,417
    2020-07-01 $337,300 (5.6%) $385,328 (9.7%) 0.98 1,356
    2020-08-01 $334,900 (6.1%) $386,839 (11.1%) 0.96 1,342
    2020-09-01 $335,000 (5.9%) $394,725 (13.2%) 0.96 1,296
    2020-10-01 $325,000 (2.2%) $396,163 (13.3%) 0.93 1,175
    2020-11-01 $326,450 (2.8%) $400,837 (14.2%) 0.95 1,028
    2020-12-01 $328,450 (5.4%) $404,090 (17.0%) 0.98 888
    2021-01-01 $327,000 (4.9%) $407,822 (17.1%) 0.98 755
    2021-02-01 $339,500 (6.4%) $415,237 (16.8%) 0.99 694
    2021-03-01 $357,450 (11.9%) $432,450 (21.1%) 1.01 678
    2021-04-01 $359,950 (12.7%) $432,426 (21.7%) 0.97 720
    2021-05-01 $362,500 (9.9%) $422,253 (15.6%) 0.96 761
    2021-06-01 $350,000 (6.1%) $411,228 (10.1%) 0.92 870
    2021-07-01 $350,000 (3.8%) $405,086 (5.1%) 0.92 995
    2021-08-01 $357,200 (6.7%) $412,048 (6.5%) 0.95 1,050
    2021-09-01 $356,875 (6.5%) $422,623 (7.1%) 0.95 1,023
    2021-10-01 $350,000 (7.7%) $417,721 (5.4%) 0.93 907
    2021-11-01 $361,450 (10.7%) $425,708 (6.2%) 0.97 707
    2021-12-01 $374,500 (14.0%) $433,415 (7.3%) 1.01 565
    2022-01-01 $389,250 (19.0%) $437,467 (7.3%) 1.05 432
    2022-02-01 $400,750 (18.0%) $447,649 (7.8%) 1.04 369
    2022-03-01 $420,500 (17.6%) $471,539 (9.0%) 1.05 382
    2022-04-01 $425,000 (18.1%) $468,448 (8.3%) 1.01 493
    2022-05-01 $429,950 (18.6%) $476,028 (12.7%) 0.98 669
    2022-06-01 $434,975 (24.3%) $478,249 (16.3%) 0.97 849
    2022-07-01 $425,000 (21.4%) $474,313 (17.1%) 0.96 1,000
    2022-08-01 $429,900 (20.4%) $482,135 (17.0%) 0.99 967
    2022-09-01 $439,900 (23.3%) $491,848 (16.4%) 1.03 850
    2022-10-01 $432,450 (23.6%) $487,535 (16.7%) 1.02 782
    2022-11-01 $428,660 (18.6%) $479,352 (12.6%) 1.03 726
    2022-12-01 $439,000 (17.2%) $480,656 (10.9%) 1.08 605
    2023-01-01 $426,625 (9.6%) $474,923 (8.6%) 1.06 499
    2023-02-01 $435,625 (8.7%) $487,799 (9.0%) 1.05 456
    2023-03-01 $439,000 (4.4%) $490,135 (3.9%) 1.04 461
    2023-04-01 $445,000 (4.7%) $497,401 (6.2%) 1.03 467
    2023-05-01 $446,700 (3.9%) $496,934 (4.4%) 1.01 496
    2023-06-01 $442,350 (1.7%) $500,046 (4.6%) 0.99 585
    2023-07-01 $439,000 (3.3%) $498,860 (5.2%) 1.00 752
    2023-08-01 $434,500 (1.1%) $493,062 (2.3%) 1.00 814
    2023-09-01 $439,900 (0.0%) $509,606 (3.6%) 1.02 803
    2023-10-01 $434,500 (0.5%) $496,472 (1.8%) 1.02 761
    2023-11-01 $427,000 (-0.4%) $491,658 (2.6%) 1.02 716
    2023-12-01 $425,000 (-3.2%) $493,515 (2.7%) 1.04 618
    2024-01-01 $429,500 (0.7%) $501,829 (5.7%) 1.05 520
    2024-02-01 $437,000 (0.3%) $506,567 (3.9%) 1.05 486
    2024-03-01 $435,000 (-0.9%) $504,121 (2.9%) 1.02 488
    2024-04-01 $463,750 (4.2%) $533,851 (7.3%) 1.08 549
    2024-05-01 $485,000 (8.6%) $553,003 (11.3%) 1.10 693
    2024-06-01 $465,000 (5.1%) $542,693 (8.5%) 1.06 885
    2024-07-01 $459,225 (4.6%) $542,061 (8.7%) 1.05 998
    2024-08-01 $460,000 (5.9%) $537,204 (9.0%) 1.07 1,062
    2024-09-01 $455,000 (3.4%) $529,644 (3.9%) 1.07 1,065
    2024-10-01 $450,000 (3.6%) $519,618 (4.7%) 1.06 971
    2024-11-01 $450,000 (5.4%) $528,312 (7.5%) 1.08 857
    2024-12-01 $447,625 (5.3%) $525,083 (6.4%) 1.11 735
    2025-01-01 $454,475 (5.8%) $535,073 (6.6%) 1.13 634
    2025-02-01 $459,500 (5.2%) $530,391 (4.7%) 1.12 609
    2025-03-01 $475,000 (9.2%) $541,489 (7.4%) 1.12 620
    2025-04-01 $472,000 (1.8%) $542,790 (1.7%) 1.09 640
    Anchorage's median listing price for 2025-04-01 was $472,000, a difference of $8,250 (1.8%) versus the prior year and $-3,000 versus the prior month.

    Anchorage's median listing price comes in at 109% of the national average.

    Anchorage's average listing price for 2025-04-01 was $542,790, a difference of $8,939 (1.7%) versus the prior year and $1,301 versus the prior month.

    For the 2025-04-01 period, Anchorage had 640 MLS listings, a difference of 20 listings (3%) versus the prior month and 91 listings (17%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Anchorage (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 89 days 1,717 sqft
    2018-02-01 73 days 1,729 sqft
    2018-03-01 53 days 1,768 sqft
    2018-04-01 50 days 1,800 sqft
    2018-05-01 47 days 1,823 sqft
    2018-06-01 47 days 1,816 sqft
    2018-07-01 52 days 1,805 sqft
    2018-08-01 58 days 1,805 sqft
    2018-09-01 67 days 1,800 sqft
    2018-10-01 77 days 1,779 sqft
    2018-11-01 84 days 1,788 sqft
    2018-12-01 93 days 1,770 sqft
    2019-01-01 96 days 1,777 sqft
    2019-02-01 83 days 1,782 sqft
    2019-03-01 59 days 1,809 sqft
    2019-04-01 49 days 1,841 sqft
    2019-05-01 46 days 1,842 sqft
    2019-06-01 50 days 1,852 sqft
    2019-07-01 55 days 1,862 sqft
    2019-08-01 59 days 1,837 sqft
    2019-09-01 65 days 1,830 sqft
    2019-10-01 69 days 1,824 sqft
    2019-11-01 79 days 1,800 sqft
    2019-12-01 88 days 1,754 sqft
    2020-01-01 86 days 1,747 sqft
    2020-02-01 68 days 1,777 sqft
    2020-03-01 51 days 1,793 sqft
    2020-04-01 53 days 1,803 sqft
    2020-05-01 51 days 1,832 sqft
    2020-06-01 43 days 1,835 sqft
    2020-07-01 43 days 1,833 sqft
    2020-08-01 43 days 1,793 sqft
    2020-09-01 45 days 1,800 sqft
    2020-10-01 53 days 1,745 sqft
    2020-11-01 63 days 1,705 sqft
    2020-12-01 71 days 1,704 sqft
    2021-01-01 68 days 1,698 sqft
    2021-02-01 42 days 1,707 sqft
    2021-03-01 36 days 1,769 sqft
    2021-04-01 28 days 1,788 sqft
    2021-05-01 23 days 1,799 sqft
    2021-06-01 24 days 1,793 sqft
    2021-07-01 27 days 1,800 sqft
    2021-08-01 32 days 1,799 sqft
    2021-09-01 41 days 1,794 sqft
    2021-10-01 44 days 1,743 sqft
    2021-11-01 53 days 1,745 sqft
    2021-12-01 65 days 1,728 sqft
    2022-01-01 78 days 1,750 sqft
    2022-02-01 33 days 1,794 sqft
    2022-03-01 15 days 1,809 sqft
    2022-04-01 15 days 1,818 sqft
    2022-05-01 18 days 1,869 sqft
    2022-06-01 23 days 1,898 sqft
    2022-07-01 29 days 1,904 sqft
    2022-08-01 43 days 1,927 sqft
    2022-09-01 52 days 1,951 sqft
    2022-10-01 57 days 1,922 sqft
    2022-11-01 61 days 1,904 sqft
    2022-12-01 78 days 1,904 sqft
    2023-01-01 81 days 1,844 sqft
    2023-02-01 43 days 1,849 sqft
    2023-03-01 38 days 1,888 sqft
    2023-04-01 30 days 1,903 sqft
    2023-05-01 29 days 1,897 sqft
    2023-06-01 25 days 1,872 sqft
    2023-07-01 27 days 1,879 sqft
    2023-08-01 37 days 1,895 sqft
    2023-09-01 58 days 1,920 sqft
    2023-10-01 57 days 1,873 sqft
    2023-11-01 63 days 1,810 sqft
    2023-12-01 74 days 1,800 sqft
    2024-01-01 83 days 1,808 sqft
    2024-02-01 58 days 1,818 sqft
    2024-03-01 48 days 1,816 sqft
    2024-04-01 41 days 1,896 sqft
    2024-05-01 35 days 1,915 sqft
    2024-06-01 39 days 1,921 sqft
    2024-07-01 46 days 1,882 sqft
    2024-08-01 50 days 1,874 sqft
    2024-09-01 58 days 1,855 sqft
    2024-10-01 63 days 1,829 sqft
    2024-11-01 68 days 1,789 sqft
    2024-12-01 81 days 1,744 sqft
    2025-01-01 81 days 1,756 sqft
    2025-02-01 66 days 1,774 sqft
    2025-03-01 51 days 1,816 sqft
    2025-04-01 45 days 1,810 sqft
    Anchorage's median listing age (time on market) for 2025-04-01 was 45 days. This is 11% longer than the same period one year ago.

    Anchorage's median square footage for active listings during the 2025-04-01 period was 1,810 sqft. One year prior, the average listing was 1,896 sqft.