Berlin USDA Loan Rates, Closing Costs & Stats

Berlin, NH

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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.

    Berlin's 1 lenders originated 1 USDA loans during 2023. The total origination value was $105,000, with an average USDA loan value of $105,000.

    Berlin USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Berlin averaged 0.18% for the week of 2024-11-15, compared to the national average (all USDA variants) of 0% for the same period.

    Berlin's average USDA mortgage closing costs are $9,824.

    The average rate for the prior week (2024-11-08) was 6.43% and one month ago for the week of 2024-10-11, the average rate was 6.3%.

    The average rate one year ago was 7.62%.

    For refis of the same type during the week of 2024-11-15, the average rate was -0.2%.

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

    Berlin 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 Berlin level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    BROKER SOLUTIONS, INC. 1 6.00% $5,202

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Berlin (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 $117,225 (-9.4%) $180,181 (5.3%) 0.00 347
    2018-02-01 $117,225 (-9.1%) $180,286 (7.3%) 0.00 334
    2018-03-01 $119,900 (-7.4%) $183,294 (5.8%) 0.00 323
    2018-04-01 $119,450 (-7.7%) $181,774 (4.0%) 0.00 317
    2018-05-01 $124,950 (-3.8%) $186,173 (6.8%) 0.00 321
    2018-06-01 $134,900 (1.9%) $190,044 (5.2%) 0.00 345
    2018-07-01 $139,900 (4.3%) $195,383 (6.3%) 0.00 366
    2018-08-01 $140,625 (8.8%) $188,087 (4.6%) 0.00 382
    2018-09-01 $139,900 (3.3%) $191,476 (-0.5%) 0.00 366
    2018-10-01 $139,450 (4.0%) $220,588 (13.8%) 0.00 356
    2018-11-01 $139,250 (11.4%) $221,447 (22.3%) 0.00 339
    2018-12-01 $143,250 (19.5%) $225,747 (26.5%) 0.00 315
    2019-01-01 $144,950 (23.7%) $232,256 (28.9%) 0.00 296
    2019-02-01 $149,900 (27.9%) $236,501 (31.2%) 0.00 272
    2019-03-01 $149,900 (25.0%) $228,706 (24.8%) 0.00 273
    2019-04-01 $149,900 (25.5%) $230,818 (27.0%) 0.00 273
    2019-05-01 $152,450 (22.0%) $233,606 (25.5%) 0.00 287
    2019-06-01 $150,000 (11.2%) $227,175 (19.5%) 0.00 333
    2019-07-01 $149,900 (7.2%) $232,361 (18.9%) 0.00 340
    2019-08-01 $149,655 (6.4%) $237,840 (26.5%) 0.00 343
    2019-09-01 $149,286 (6.7%) $237,252 (23.9%) 0.00 352
    2019-10-01 $149,178 (7.0%) $238,368 (8.1%) 0.00 347
    2019-11-01 $149,900 (7.7%) $251,174 (13.4%) 0.00 313
    2019-12-01 $145,625 (1.7%) $248,888 (10.3%) 0.00 289
    2020-01-01 $147,000 (1.4%) $252,551 (8.7%) 0.00 274
    2020-02-01 $152,500 (1.7%) $262,318 (10.9%) 0.00 257
    2020-03-01 $159,900 (6.7%) $269,012 (17.6%) 0.00 242
    2020-04-01 $154,425 (3.0%) $264,602 (14.6%) 0.00 234
    2020-05-01 $159,900 (4.9%) $259,690 (11.2%) 0.00 236
    2020-06-01 $151,175 (0.8%) $259,380 (14.2%) 0.00 229
    2020-07-01 $152,450 (1.7%) $261,022 (12.3%) 0.00 208
    2020-08-01 $159,900 (6.9%) $275,367 (15.8%) 0.00 179
    2020-09-01 $159,823 (7.1%) $268,734 (13.3%) 0.00 175
    2020-10-01 $159,000 (6.6%) $261,804 (9.8%) 0.00 166
    2020-11-01 $152,424 (1.7%) $220,191 (-12.3%) 0.00 146
    2020-12-01 $152,400 (4.7%) $231,846 (-6.9%) 0.00 123
    2021-01-01 $159,950 (8.8%) $241,722 (-4.3%) 0.00 102
    2021-02-01 $172,000 (12.8%) $248,529 (-5.3%) 0.00 87
    2021-03-01 $199,450 (24.7%) $263,715 (-2.0%) 0.00 74
    2021-04-01 $187,725 (21.6%) $257,024 (-2.9%) 0.00 80
    2021-05-01 $199,000 (24.5%) $256,614 (-1.2%) 0.00 92
    2021-06-01 $249,450 (65.0%) $282,465 (8.9%) 0.00 121
    2021-07-01 $232,000 (52.2%) $275,822 (5.7%) 0.00 124
    2021-08-01 $228,450 (42.9%) $268,439 (-2.5%) 0.00 129
    2021-09-01 $229,950 (43.9%) $275,779 (2.6%) 0.00 116
    2021-10-01 $219,800 (38.2%) $271,541 (3.7%) 0.00 87
    2021-11-01 $189,500 (24.3%) $261,548 (18.8%) 0.00 79
    2021-12-01 $196,725 (29.1%) $254,692 (9.9%) 0.00 68
    2022-01-01 $169,000 (5.7%) $254,331 (5.2%) 0.00 60
    2022-02-01 $175,500 (2.0%) $285,370 (14.8%) 0.00 57
    2022-03-01 $194,450 (-2.5%) $299,053 (13.4%) 0.00 66
    2022-04-01 $223,000 (18.8%) $301,709 (17.4%) 0.00 65
    2022-05-01 $274,000 (37.7%) $333,303 (29.9%) 0.00 84
    2022-06-01 $279,675 (12.1%) $346,186 (22.6%) 0.00 107
    2022-07-01 $275,000 (18.5%) $324,785 (17.8%) 0.00 122
    2022-08-01 $261,000 (14.3%) $304,685 (13.5%) 0.00 134
    2022-09-01 $249,900 (8.7%) $304,388 (10.4%) 0.00 125
    2022-10-01 $252,950 (15.1%) $290,492 (7.0%) 0.00 120
    2022-11-01 $267,450 (41.1%) $296,777 (13.5%) 0.00 116
    2022-12-01 $239,950 (22.0%) $270,259 (6.1%) 0.00 106
    2023-01-01 $259,500 (53.6%) $278,575 (9.5%) 0.00 77
    2023-02-01 $259,500 (47.9%) $285,378 (0.0%) 0.00 69
    2023-03-01 $274,900 (41.4%) $295,935 (-1.0%) 0.00 72
    2023-04-01 $249,991 (12.1%) $298,471 (-1.1%) 0.00 72
    2023-05-01 $261,975 (-4.4%) $327,219 (-1.8%) 0.00 80
    2023-06-01 $265,000 (-5.3%) $324,381 (-6.3%) 0.00 104
    2023-07-01 $274,950 (0.0%) $337,073 (3.8%) 0.00 107
    2023-08-01 $289,900 (11.1%) $348,230 (14.3%) 0.00 111
    2023-09-01 $311,250 (24.6%) $361,945 (18.9%) 0.00 115
    2023-10-01 $287,000 (13.5%) $361,295 (24.4%) 0.00 121
    2023-11-01 $327,475 (22.4%) $383,017 (29.1%) 0.00 121
    2023-12-01 $325,000 (35.4%) $377,819 (39.8%) 0.00 111
    2024-01-01 $327,425 (26.2%) $390,121 (40.0%) 0.00 101
    2024-02-01 $324,975 (25.2%) $398,478 (39.6%) 0.00 95
    2024-03-01 $327,450 (19.1%) $396,671 (34.0%) 0.00 88
    2024-04-01 $337,175 (34.9%) $389,774 (30.6%) 0.00 93
    2024-05-01 $306,950 (17.2%) $368,342 (12.6%) 0.00 112
    2024-06-01 $299,450 (13.0%) $376,103 (15.9%) 0.00 148
    2024-07-01 $295,000 (7.3%) $367,431 (9.0%) 0.00 152
    2024-08-01 $299,700 (3.4%) $385,787 (10.8%) 0.00 168
    2024-09-01 $309,900 (-0.4%) $403,845 (11.6%) 0.00 179
    2024-10-01 $322,475 (12.4%) $402,169 (11.3%) 0.00 186
    Berlin's median listing price for 2024-10-01 was $322,475, a difference of $35,475 (12.4%) versus the prior year and $12,575 versus the prior month.

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

    Berlin's average listing price for 2024-10-01 was $402,169, a difference of $40,874 (11.3%) versus the prior year and $-1,676 versus the prior month.

    For the 2024-10-01 period, Berlin had 186 MLS listings, a difference of 7 listings (4%) versus the prior month and 65 listings (54%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Berlin (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,525 sqft
    2018-02-01 0 days 1,514 sqft
    2018-03-01 0 days 1,569 sqft
    2018-04-01 0 days 1,571 sqft
    2018-05-01 0 days 1,584 sqft
    2018-06-01 0 days 1,600 sqft
    2018-07-01 0 days 1,634 sqft
    2018-08-01 0 days 1,606 sqft
    2018-09-01 0 days 1,600 sqft
    2018-10-01 0 days 1,619 sqft
    2018-11-01 0 days 1,646 sqft
    2018-12-01 0 days 1,621 sqft
    2019-01-01 0 days 1,722 sqft
    2019-02-01 0 days 1,753 sqft
    2019-03-01 0 days 1,723 sqft
    2019-04-01 0 days 1,725 sqft
    2019-05-01 0 days 1,669 sqft
    2019-06-01 0 days 1,664 sqft
    2019-07-01 0 days 1,682 sqft
    2019-08-01 0 days 1,690 sqft
    2019-09-01 0 days 1,698 sqft
    2019-10-01 0 days 1,712 sqft
    2019-11-01 0 days 1,701 sqft
    2019-12-01 0 days 1,740 sqft
    2020-01-01 0 days 1,749 sqft
    2020-02-01 0 days 1,792 sqft
    2020-03-01 0 days 1,786 sqft
    2020-04-01 0 days 1,755 sqft
    2020-05-01 0 days 1,679 sqft
    2020-06-01 0 days 1,631 sqft
    2020-07-01 0 days 1,657 sqft
    2020-08-01 0 days 1,678 sqft
    2020-09-01 0 days 1,662 sqft
    2020-10-01 0 days 1,648 sqft
    2020-11-01 0 days 1,669 sqft
    2020-12-01 0 days 1,698 sqft
    2021-01-01 0 days 1,665 sqft
    2021-02-01 0 days 1,775 sqft
    2021-03-01 0 days 1,857 sqft
    2021-04-01 0 days 1,746 sqft
    2021-05-01 0 days 1,672 sqft
    2021-06-01 0 days 1,716 sqft
    2021-07-01 0 days 1,670 sqft
    2021-08-01 0 days 1,576 sqft
    2021-09-01 0 days 1,530 sqft
    2021-10-01 0 days 1,548 sqft
    2021-11-01 0 days 1,512 sqft
    2021-12-01 0 days 1,545 sqft
    2022-01-01 0 days 1,554 sqft
    2022-02-01 0 days 1,680 sqft
    2022-03-01 0 days 1,658 sqft
    2022-04-01 0 days 1,536 sqft
    2022-05-01 0 days 1,631 sqft
    2022-06-01 0 days 1,555 sqft
    2022-07-01 0 days 1,563 sqft
    2022-08-01 0 days 1,569 sqft
    2022-09-01 0 days 1,567 sqft
    2022-10-01 0 days 1,568 sqft
    2022-11-01 0 days 1,599 sqft
    2022-12-01 0 days 1,506 sqft
    2023-01-01 0 days 1,490 sqft
    2023-02-01 0 days 1,502 sqft
    2023-03-01 0 days 1,607 sqft
    2023-04-01 0 days 1,606 sqft
    2023-05-01 0 days 1,637 sqft
    2023-06-01 0 days 1,672 sqft
    2023-07-01 0 days 1,669 sqft
    2023-08-01 0 days 1,739 sqft
    2023-09-01 0 days 1,636 sqft
    2023-10-01 0 days 1,687 sqft
    2023-11-01 0 days 1,738 sqft
    2023-12-01 0 days 1,720 sqft
    2024-01-01 0 days 1,782 sqft
    2024-02-01 0 days 1,799 sqft
    2024-03-01 0 days 1,695 sqft
    2024-04-01 0 days 1,644 sqft
    2024-05-01 0 days 1,605 sqft
    2024-06-01 0 days 1,605 sqft
    2024-07-01 0 days 1,577 sqft
    2024-08-01 0 days 1,650 sqft
    2024-09-01 0 days 1,658 sqft
    2024-10-01 0 days 1,655 sqft
    Berlin's median listing age (time on market) for 2024-10-01 was 0 days.

    Berlin's median square footage for active listings during the 2024-10-01 period was 1,655 sqft. One year prior, the average listing was 1,687 sqft.