Atlantic City USDA Loan Rates, Closing Costs & Stats
ATLANTIC CITY-HAMMONTON, NJ
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.
Atlantic City's 9 lenders originated 20 USDA loans during 2024. The total origination value was $4,440,000, with an average USDA loan value of $222,000.
Atlantic City USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Atlantic City
averaged
0.35%
for the week of 2025-07-04, compared to the national average (all USDA variants) of
0% for the same period.
Atlantic City's average USDA mortgage closing costs are $5,471.
The average rate for the prior week (2025-06-27) was
6.99% and
one month ago for the week of 2025-05-30, the
average rate was 7.07%.
The average rate one year ago was 6.86%.
For refis of the same type during the week of 2025-07-04, the average rate
was 0.43%.
Atlantic City 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 Atlantic City level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| Advisors Mortgage Group, L.L.C. | 4 | 6.13% | $5,797 |
| NATION ONE MORTGAGE CORPORATION | 3 | 6.25% | $12,413 |
| GREENTREE MORTGAGE COMPANY, L.P. | 3 | 6.50% | $6,547 |
| Presidential Bank, FSB | 2 | 6.50% | $5,951 |
| CROSSCOUNTRY MORTGAGE, LLC | 2 | 6.34% | $9,762 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 6.75% | $6,784 |
| Acre Mortgage and Financial Inc | 1 | 7.13% | $15,658 |
| GUARANTEED RATE, INC. | 1 | 6.23% | $7,599 |
| ABSOLUTE HOME MORTGAGE CORPORATION | 1 | 6.49% | $13,824 |
The top Atlantic City USDA lender as defined by loan originations is Advisors Mortgage Group, L.L.C., with
4 USDA loans originated. Their average total fees are
$5,797, which is $6,616
lower than the next largest lender,
NATION ONE MORTGAGE CORPORATION.
The lowest fee Atlantic City USDA lenders (with over 10 loans originated) are
.
The lowest rate Atlantic City USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Atlantic 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 | $289,800 (3.7%) | $534,582 (12.2%) | 1.07 | 4,588 |
| 2018-02-01 | $296,000 (2.3%) | $543,944 (11.2%) | 1.07 | 4,718 |
| 2018-03-01 | $290,000 (0.0%) | $546,909 (9.8%) | 1.02 | 4,819 |
| 2018-04-01 | $295,513 (1.9%) | $550,479 (9.8%) | 1.00 | 4,812 |
| 2018-05-01 | $299,450 (2.9%) | $555,238 (9.7%) | 1.00 | 4,852 |
| 2018-06-01 | $299,900 (3.5%) | $560,524 (9.4%) | 1.00 | 4,764 |
| 2018-07-01 | $299,900 (3.8%) | $572,460 (11.8%) | 1.00 | 4,674 |
| 2018-08-01 | $306,250 (5.7%) | $578,525 (12.6%) | 1.03 | 4,667 |
| 2018-09-01 | $309,900 (5.2%) | $577,109 (10.7%) | 1.04 | 4,677 |
| 2018-10-01 | $309,450 (5.1%) | $578,065 (9.0%) | 1.05 | 4,661 |
| 2018-11-01 | $307,250 (5.2%) | $573,629 (8.2%) | 1.04 | 4,637 |
| 2018-12-01 | $309,000 (6.6%) | $571,949 (8.0%) | 1.07 | 4,544 |
| 2019-01-01 | $312,450 (7.8%) | $575,360 (7.6%) | 1.08 | 4,335 |
| 2019-02-01 | $319,000 (7.8%) | $585,644 (7.7%) | 1.08 | 4,516 |
| 2019-03-01 | $321,529 (10.9%) | $596,464 (9.1%) | 1.05 | 4,673 |
| 2019-04-01 | $324,900 (9.9%) | $606,450 (10.2%) | 1.03 | 4,721 |
| 2019-05-01 | $322,450 (7.7%) | $576,226 (3.8%) | 1.01 | 4,766 |
| 2019-06-01 | $323,500 (7.9%) | $571,875 (2.0%) | 1.01 | 4,718 |
| 2019-07-01 | $319,900 (6.7%) | $576,108 (0.6%) | 1.00 | 4,638 |
| 2019-08-01 | $313,091 (2.2%) | $574,999 (-0.6%) | 0.99 | 4,593 |
| 2019-09-01 | $305,727 (-1.4%) | $570,540 (-1.1%) | 0.98 | 4,518 |
| 2019-10-01 | $305,318 (-1.3%) | $569,687 (-1.5%) | 0.99 | 4,452 |
| 2019-11-01 | $319,000 (3.8%) | $574,439 (0.1%) | 1.05 | 4,236 |
| 2019-12-01 | $310,271 (0.4%) | $568,434 (-0.6%) | 1.03 | 3,998 |
| 2020-01-01 | $316,184 (1.2%) | $680,309 (18.2%) | 1.06 | 3,800 |
| 2020-02-01 | $319,900 (0.3%) | $690,297 (17.9%) | 1.05 | 3,828 |
| 2020-03-01 | $321,500 (0.0%) | $593,013 (-0.6%) | 1.01 | 3,874 |
| 2020-04-01 | $319,900 (-1.5%) | $589,920 (-2.7%) | 1.00 | 3,785 |
| 2020-05-01 | $319,250 (-1.0%) | $594,887 (3.2%) | 0.97 | 3,656 |
| 2020-06-01 | $319,900 (-1.1%) | $628,577 (9.9%) | 0.94 | 3,311 |
| 2020-07-01 | $319,250 (-0.2%) | $638,525 (10.8%) | 0.93 | 2,911 |
| 2020-08-01 | $319,000 (1.9%) | $622,620 (8.3%) | 0.91 | 2,695 |
| 2020-09-01 | $327,000 (7.0%) | $626,875 (9.9%) | 0.94 | 2,621 |
| 2020-10-01 | $329,000 (7.8%) | $631,642 (10.9%) | 0.94 | 2,572 |
| 2020-11-01 | $324,900 (1.9%) | $635,284 (10.6%) | 0.95 | 2,487 |
| 2020-12-01 | $318,450 (2.6%) | $623,561 (9.7%) | 0.95 | 2,373 |
| 2021-01-01 | $310,850 (-1.7%) | $620,972 (-8.7%) | 0.93 | 2,050 |
| 2021-02-01 | $311,500 (-2.6%) | $657,398 (-4.8%) | 0.91 | 1,757 |
| 2021-03-01 | $322,450 (0.3%) | $684,069 (15.4%) | 0.91 | 1,696 |
| 2021-04-01 | $332,325 (3.9%) | $734,136 (24.5%) | 0.90 | 1,717 |
| 2021-05-01 | $360,000 (12.8%) | $748,896 (25.9%) | 0.96 | 1,731 |
| 2021-06-01 | $362,450 (13.3%) | $743,815 (18.3%) | 0.95 | 1,860 |
| 2021-07-01 | $359,450 (12.6%) | $692,768 (8.5%) | 0.95 | 2,025 |
| 2021-08-01 | $372,450 (16.8%) | $704,241 (13.1%) | 0.99 | 2,166 |
| 2021-09-01 | $379,725 (16.1%) | $698,402 (11.4%) | 1.01 | 2,197 |
| 2021-10-01 | $399,000 (21.3%) | $729,286 (15.5%) | 1.06 | 2,072 |
| 2021-11-01 | $389,950 (20.0%) | $739,947 (16.5%) | 1.04 | 1,913 |
| 2021-12-01 | $399,000 (25.3%) | $747,873 (19.9%) | 1.08 | 1,750 |
| 2022-01-01 | $399,000 (28.4%) | $760,841 (22.5%) | 1.08 | 1,480 |
| 2022-02-01 | $399,000 (28.1%) | $796,817 (21.2%) | 1.04 | 1,331 |
| 2022-03-01 | $409,950 (27.1%) | $819,378 (19.8%) | 1.03 | 1,325 |
| 2022-04-01 | $429,000 (29.1%) | $881,237 (20.0%) | 1.02 | 1,388 |
| 2022-05-01 | $464,500 (29.0%) | $915,676 (22.3%) | 1.06 | 1,582 |
| 2022-06-01 | $454,500 (25.4%) | $908,215 (22.1%) | 1.01 | 1,742 |
| 2022-07-01 | $449,900 (25.2%) | $873,844 (26.1%) | 1.01 | 1,982 |
| 2022-08-01 | $451,000 (21.1%) | $904,382 (28.4%) | 1.04 | 1,982 |
| 2022-09-01 | $464,917 (22.4%) | $903,786 (29.4%) | 1.09 | 1,932 |
| 2022-10-01 | $485,000 (21.6%) | $925,660 (26.9%) | 1.14 | 1,954 |
| 2022-11-01 | $475,000 (21.8%) | $946,678 (27.9%) | 1.14 | 1,944 |
| 2022-12-01 | $479,000 (20.1%) | $946,728 (26.6%) | 1.18 | 1,753 |
| 2023-01-01 | $484,900 (21.5%) | $987,878 (29.8%) | 1.20 | 1,625 |
| 2023-02-01 | $497,000 (24.6%) | $1,023,138 (28.4%) | 1.20 | 1,574 |
| 2023-03-01 | $495,500 (20.9%) | $1,041,734 (27.1%) | 1.17 | 1,544 |
| 2023-04-01 | $559,900 (30.5%) | $1,083,979 (23.0%) | 1.30 | 1,482 |
| 2023-05-01 | $597,000 (28.5%) | $1,119,858 (22.3%) | 1.35 | 1,444 |
| 2023-06-01 | $579,370 (27.5%) | $1,166,607 (28.5%) | 1.30 | 1,471 |
| 2023-07-01 | $595,000 (32.3%) | $1,177,180 (34.7%) | 1.35 | 1,483 |
| 2023-08-01 | $584,450 (29.6%) | $1,179,710 (30.4%) | 1.34 | 1,466 |
| 2023-09-01 | $599,900 (29.0%) | $1,173,587 (29.9%) | 1.40 | 1,526 |
| 2023-10-01 | $600,000 (23.7%) | $1,127,503 (21.8%) | 1.41 | 1,609 |
| 2023-11-01 | $596,074 (25.5%) | $1,102,414 (16.5%) | 1.42 | 1,667 |
| 2023-12-01 | $599,000 (25.1%) | $1,107,741 (17.0%) | 1.46 | 1,623 |
| 2024-01-01 | $574,950 (18.6%) | $1,096,351 (11.0%) | 1.40 | 1,522 |
| 2024-02-01 | $571,050 (14.9%) | $1,105,063 (8.0%) | 1.37 | 1,571 |
| 2024-03-01 | $580,000 (17.1%) | $1,146,376 (10.0%) | 1.37 | 1,644 |
| 2024-04-01 | $580,997 (3.8%) | $1,182,456 (9.1%) | 1.35 | 1,682 |
| 2024-05-01 | $599,000 (0.3%) | $1,188,449 (6.1%) | 1.36 | 1,704 |
| 2024-06-01 | $599,000 (3.4%) | $1,197,615 (2.7%) | 1.36 | 1,772 |
| 2024-07-01 | $592,500 (-0.4%) | $1,218,875 (3.5%) | 1.36 | 1,783 |
| 2024-08-01 | $579,500 (-0.9%) | $1,218,013 (3.3%) | 1.35 | 1,780 |
| 2024-09-01 | $579,998 (-3.3%) | $1,188,145 (1.2%) | 1.36 | 1,905 |
| 2024-10-01 | $550,000 (-8.3%) | $1,151,869 (2.2%) | 1.29 | 1,950 |
| 2024-11-01 | $559,900 (-6.1%) | $1,158,601 (5.1%) | 1.34 | 1,887 |
| 2024-12-01 | $554,950 (-7.4%) | $1,130,166 (2.0%) | 1.38 | 1,756 |
| 2025-01-01 | $549,475 (-4.4%) | $1,076,592 (-1.8%) | 1.37 | 1,647 |
| 2025-02-01 | $549,500 (-3.8%) | $1,073,663 (-2.8%) | 1.33 | 1,737 |
| 2025-03-01 | $550,000 (-5.2%) | $1,092,449 (-4.7%) | 1.29 | 1,905 |
| 2025-04-01 | $571,950 (-1.6%) | $1,131,509 (-4.3%) | 1.33 | 2,010 |
| 2025-05-01 | $579,900 (-3.2%) | $1,137,566 (-4.3%) | 1.32 | 2,073 |
Atlantic City's median listing price comes in at 132% of the national average.
Atlantic City's average listing price for 2025-05-01 was $1,137,566, a difference of $-50,883 (-4.3%) versus the prior year and $6,057 versus the prior month.
For the 2025-05-01 period, Atlantic City had 2,073 MLS listings, a difference of 63 listings (3%) versus the prior month and 369 listings (22%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Atlantic City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 101 days | 1,645 sqft |
| 2018-02-01 | 95 days | 1,644 sqft |
| 2018-03-01 | 76 days | 1,639 sqft |
| 2018-04-01 | 74 days | 1,664 sqft |
| 2018-05-01 | 75 days | 1,662 sqft |
| 2018-06-01 | 78 days | 1,688 sqft |
| 2018-07-01 | 81 days | 1,688 sqft |
| 2018-08-01 | 82 days | 1,693 sqft |
| 2018-09-01 | 79 days | 1,684 sqft |
| 2018-10-01 | 78 days | 1,679 sqft |
| 2018-11-01 | 79 days | 1,636 sqft |
| 2018-12-01 | 90 days | 1,616 sqft |
| 2019-01-01 | 98 days | 1,626 sqft |
| 2019-02-01 | 91 days | 1,600 sqft |
| 2019-03-01 | 79 days | 1,603 sqft |
| 2019-04-01 | 71 days | 1,609 sqft |
| 2019-05-01 | 73 days | 1,623 sqft |
| 2019-06-01 | 75 days | 1,650 sqft |
| 2019-07-01 | 80 days | 1,684 sqft |
| 2019-08-01 | 80 days | 1,686 sqft |
| 2019-09-01 | 78 days | 1,689 sqft |
| 2019-10-01 | 77 days | 1,690 sqft |
| 2019-11-01 | 81 days | 1,690 sqft |
| 2019-12-01 | 92 days | 1,666 sqft |
| 2020-01-01 | 97 days | 1,646 sqft |
| 2020-02-01 | 89 days | 1,655 sqft |
| 2020-03-01 | 70 days | 1,687 sqft |
| 2020-04-01 | 79 days | 1,685 sqft |
| 2020-05-01 | 93 days | 1,700 sqft |
| 2020-06-01 | 102 days | 1,700 sqft |
| 2020-07-01 | 78 days | 1,700 sqft |
| 2020-08-01 | 56 days | 1,664 sqft |
| 2020-09-01 | 48 days | 1,608 sqft |
| 2020-10-01 | 50 days | 1,600 sqft |
| 2020-11-01 | 59 days | 1,598 sqft |
| 2020-12-01 | 70 days | 1,583 sqft |
| 2021-01-01 | 78 days | 1,560 sqft |
| 2021-02-01 | 67 days | 1,537 sqft |
| 2021-03-01 | 53 days | 1,508 sqft |
| 2021-04-01 | 47 days | 1,516 sqft |
| 2021-05-01 | 46 days | 1,584 sqft |
| 2021-06-01 | 45 days | 1,574 sqft |
| 2021-07-01 | 44 days | 1,576 sqft |
| 2021-08-01 | 46 days | 1,589 sqft |
| 2021-09-01 | 53 days | 1,570 sqft |
| 2021-10-01 | 57 days | 1,570 sqft |
| 2021-11-01 | 60 days | 1,581 sqft |
| 2021-12-01 | 69 days | 1,594 sqft |
| 2022-01-01 | 79 days | 1,590 sqft |
| 2022-02-01 | 69 days | 1,555 sqft |
| 2022-03-01 | 45 days | 1,572 sqft |
| 2022-04-01 | 41 days | 1,600 sqft |
| 2022-05-01 | 40 days | 1,655 sqft |
| 2022-06-01 | 43 days | 1,640 sqft |
| 2022-07-01 | 45 days | 1,620 sqft |
| 2022-08-01 | 56 days | 1,601 sqft |
| 2022-09-01 | 65 days | 1,629 sqft |
| 2022-10-01 | 62 days | 1,653 sqft |
| 2022-11-01 | 66 days | 1,631 sqft |
| 2022-12-01 | 79 days | 1,625 sqft |
| 2023-01-01 | 84 days | 1,624 sqft |
| 2023-02-01 | 78 days | 1,658 sqft |
| 2023-03-01 | 59 days | 1,669 sqft |
| 2023-04-01 | 56 days | 1,697 sqft |
| 2023-05-01 | 54 days | 1,710 sqft |
| 2023-06-01 | 51 days | 1,701 sqft |
| 2023-07-01 | 51 days | 1,700 sqft |
| 2023-08-01 | 54 days | 1,719 sqft |
| 2023-09-01 | 53 days | 1,664 sqft |
| 2023-10-01 | 51 days | 1,665 sqft |
| 2023-11-01 | 54 days | 1,620 sqft |
| 2023-12-01 | 64 days | 1,618 sqft |
| 2024-01-01 | 74 days | 1,604 sqft |
| 2024-02-01 | 66 days | 1,611 sqft |
| 2024-03-01 | 53 days | 1,600 sqft |
| 2024-04-01 | 56 days | 1,622 sqft |
| 2024-05-01 | 55 days | 1,650 sqft |
| 2024-06-01 | 56 days | 1,656 sqft |
| 2024-07-01 | 57 days | 1,660 sqft |
| 2024-08-01 | 54 days | 1,620 sqft |
| 2024-09-01 | 54 days | 1,615 sqft |
| 2024-10-01 | 55 days | 1,612 sqft |
| 2024-11-01 | 64 days | 1,575 sqft |
| 2024-12-01 | 72 days | 1,545 sqft |
| 2025-01-01 | 78 days | 1,541 sqft |
| 2025-02-01 | 65 days | 1,600 sqft |
| 2025-03-01 | 49 days | 1,596 sqft |
| 2025-04-01 | 51 days | 1,570 sqft |
| 2025-05-01 | 57 days | 1,620 sqft |
Atlantic City's median square footage for active listings during the 2025-05-01 period was 1,620 sqft. One year prior, the average listing was 1,650 sqft.