Berlin USDA Loan Rates, Closing Costs & Stats

Berlin, NH

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 6.41% for the week of 2024-12-06, compared to the national average (all USDA variants) of 6.328% for the same period.

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

The average rate for the prior week (2024-11-29) was 6.58% and one month ago for the week of 2024-11-01, the average rate was 6.83%.

The average rate one year ago was 6.95%.

For refis of the same type during the week of 2024-12-06, the average rate was 6.23%.

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
2024-11-01 $319,500 (-2.4%) $400,093 (4.5%) 0.00 171
Berlin's median listing price for 2024-11-01 was $319,500, a difference of $-7,975 (-2.4%) versus the prior year and $-2,975 versus the prior month.

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

Berlin's average listing price for 2024-11-01 was $400,093, a difference of $17,076 (4.5%) versus the prior year and $-2,076 versus the prior month.

For the 2024-11-01 period, Berlin had 171 MLS listings, a difference of -15 listings (-8%) versus the prior month and 50 listings (41%) 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
2024-11-01 0 days 1,641 sqft
Berlin's median listing age (time on market) for 2024-11-01 was 0 days.

Berlin's median square footage for active listings during the 2024-11-01 period was 1,641 sqft. One year prior, the average listing was 1,738 sqft.