Carson City USDA Loan Rates, Closing Costs & Stats
CARSON CITY, NV
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.
Carson City USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Carson City
averaged
6.74%
for the week of 2023-09-22, compared to the national average (all USDA variants) of
7.021% for the same period.
Carson City's average USDA mortgage closing costs are $0.
The average rate for the prior week (2023-09-15) was
6.4% and
one month ago for the week of 2023-08-18, the
average rate was 6.7%.
The average rate one year ago was 5.43%.
For refis of the same type during the week of 2023-09-22, the average rate
was 5.69%.
Carson 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 Carson City level.
| Name | # of Loans | 2022 Avg. 30yFix Rate | 2022 Avg. Closing Costs |
|---|
The lowest fee Carson City USDA lenders (with over 10 loans originated) are
.
The lowest rate Carson City USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Carson 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 | $359,925 (12.3%) | $445,927 (15.4%) | 0.00 | 78 |
| 2018-02-01 | $369,700 (23.3%) | $438,097 (17.7%) | 0.00 | 61 |
| 2018-03-01 | $399,900 (32.8%) | $434,225 (16.7%) | 0.00 | 59 |
| 2018-04-01 | $408,150 (22.2%) | $447,672 (17.9%) | 0.00 | 65 |
| 2018-05-01 | $377,175 (12.1%) | $441,020 (15.1%) | 0.00 | 70 |
| 2018-06-01 | $395,000 (16.3%) | $458,939 (16.2%) | 0.00 | 70 |
| 2018-07-01 | $386,975 (8.7%) | $448,788 (11.3%) | 0.00 | 84 |
| 2018-08-01 | $386,188 (8.1%) | $446,962 (8.3%) | 0.00 | 93 |
| 2018-09-01 | $385,000 (6.9%) | $438,305 (4.6%) | 0.00 | 106 |
| 2018-10-01 | $379,975 (-1.1%) | $437,021 (-0.2%) | 0.00 | 106 |
| 2018-11-01 | $364,950 (-4.3%) | $424,720 (-4.0%) | 0.00 | 109 |
| 2018-12-01 | $366,000 (-0.8%) | $430,461 (0.8%) | 0.00 | 90 |
| 2019-01-01 | $379,688 (5.5%) | $427,670 (-4.1%) | 0.00 | 82 |
| 2019-02-01 | $410,000 (10.9%) | $432,331 (-1.3%) | 0.00 | 82 |
| 2019-03-01 | $400,143 (0.1%) | $441,352 (1.6%) | 0.00 | 85 |
| 2019-04-01 | $388,643 (-4.8%) | $456,719 (2.0%) | 0.00 | 89 |
| 2019-05-01 | $401,213 (6.4%) | $472,960 (7.2%) | 0.00 | 99 |
| 2019-06-01 | $405,000 (2.5%) | $462,879 (0.9%) | 0.00 | 123 |
| 2019-07-01 | $389,777 (0.7%) | $460,602 (2.6%) | 0.00 | 136 |
| 2019-08-01 | $390,454 (1.1%) | $473,369 (5.9%) | 0.00 | 141 |
| 2019-09-01 | $376,136 (-2.3%) | $476,218 (8.7%) | 0.00 | 137 |
| 2019-10-01 | $359,625 (-5.4%) | $478,117 (9.4%) | 0.00 | 131 |
| 2019-11-01 | $357,500 (-2.0%) | $492,430 (15.9%) | 0.00 | 115 |
| 2019-12-01 | $363,725 (-0.6%) | $527,170 (22.5%) | 0.00 | 96 |
| 2020-01-01 | $358,250 (-5.7%) | $477,262 (11.6%) | 0.00 | 84 |
| 2020-02-01 | $349,200 (-14.8%) | $428,412 (-0.9%) | 0.00 | 67 |
| 2020-03-01 | $355,950 (-11.0%) | $442,491 (0.3%) | 0.00 | 73 |
| 2020-04-01 | $395,000 (1.6%) | $462,887 (1.4%) | 0.00 | 91 |
| 2020-05-01 | $414,950 (3.4%) | $481,397 (1.8%) | 0.00 | 92 |
| 2020-06-01 | $414,500 (2.4%) | $495,261 (7.0%) | 0.00 | 77 |
| 2020-07-01 | $404,500 (3.8%) | $496,601 (7.8%) | 0.00 | 69 |
| 2020-08-01 | $395,000 (1.2%) | $487,530 (3.0%) | 0.00 | 62 |
| 2020-09-01 | $385,750 (2.6%) | $505,593 (6.2%) | 0.00 | 63 |
| 2020-10-01 | $380,000 (5.7%) | $477,438 (-0.1%) | 0.00 | 53 |
| 2020-11-01 | $394,950 (10.5%) | $473,913 (-3.8%) | 0.00 | 45 |
| 2020-12-01 | $401,125 (10.3%) | $1,009,533 (91.5%) | 0.00 | 30 |
| 2021-01-01 | $409,000 (14.2%) | $1,053,877 (120.8%) | 0.00 | 30 |
| 2021-02-01 | $417,350 (19.5%) | $1,315,226 (207.0%) | 0.00 | 18 |
| 2021-03-01 | $414,500 (16.5%) | $1,137,834 (157.1%) | 0.00 | 30 |
| 2021-04-01 | $426,225 (7.9%) | $894,317 (93.2%) | 0.00 | 56 |
| 2021-05-01 | $440,000 (6.0%) | $939,639 (95.2%) | 0.00 | 44 |
| 2021-06-01 | $500,950 (20.9%) | $970,927 (96.0%) | 0.00 | 45 |
| 2021-07-01 | $507,000 (25.3%) | $922,936 (85.9%) | 0.00 | 56 |
| 2021-08-01 | $494,875 (25.3%) | $842,251 (72.8%) | 0.00 | 77 |
| 2021-09-01 | $534,450 (38.6%) | $820,828 (62.4%) | 0.00 | 85 |
| 2021-10-01 | $545,000 (43.4%) | $877,331 (83.8%) | 0.00 | 74 |
| 2021-11-01 | $548,350 (38.8%) | $680,260 (43.5%) | 0.00 | 65 |
| 2021-12-01 | $515,000 (28.4%) | $659,379 (-34.7%) | 0.00 | 55 |
| 2022-01-01 | $497,500 (21.6%) | $643,837 (-38.9%) | 0.00 | 40 |
| 2022-02-01 | $481,950 (15.5%) | $604,721 (-54.0%) | 0.00 | 44 |
| 2022-03-01 | $484,950 (17.0%) | $592,110 (-48.0%) | 0.00 | 53 |
| 2022-04-01 | $514,800 (20.8%) | $657,011 (-26.5%) | 0.00 | 66 |
| 2022-05-01 | $507,000 (15.2%) | $641,096 (-31.8%) | 0.00 | 74 |
| 2022-06-01 | $505,750 (1.0%) | $621,071 (-36.0%) | 0.00 | 107 |
| 2022-07-01 | $532,000 (4.9%) | $757,960 (-17.9%) | 0.00 | 148 |
| 2022-08-01 | $492,000 (-0.6%) | $746,442 (-11.4%) | 0.00 | 143 |
| 2022-09-01 | $475,290 (-11.1%) | $701,905 (-14.5%) | 0.00 | 164 |
| 2022-10-01 | $475,880 (-12.7%) | $710,665 (-19.0%) | 0.00 | 165 |
| 2022-11-01 | $499,125 (-9.0%) | $773,316 (13.7%) | 0.00 | 151 |
| 2022-12-01 | $475,880 (-7.6%) | $774,222 (17.4%) | 0.00 | 151 |
| 2023-01-01 | $476,612 (-4.2%) | $821,731 (27.6%) | 0.00 | 118 |
| 2023-02-01 | $470,000 (-2.5%) | $924,432 (52.9%) | 0.00 | 79 |
| 2023-03-01 | $492,625 (1.6%) | $986,083 (66.5%) | 0.00 | 74 |
| 2023-04-01 | $499,950 (-2.9%) | $932,359 (41.9%) | 0.00 | 74 |
| 2023-05-01 | $582,475 (14.9%) | $922,774 (43.9%) | 0.00 | 92 |
| 2023-06-01 | $509,938 (0.8%) | $862,621 (38.9%) | 0.00 | 99 |
| 2023-07-01 | $589,950 (10.9%) | $850,082 (12.2%) | 0.00 | 104 |
| 2023-08-01 | $588,988 (19.7%) | $847,794 (13.6%) | 0.00 | 112 |
Carson City's median listing price comes in at 0% of the national average.
Carson City's average listing price for 2023-08-01 was $847,794, a difference of $101,352 (13.6%) versus the prior year and $-2,288 versus the prior month.
For the 2023-08-01 period, Carson City had 112 MLS listings, a difference of 8 listings (8%) versus the prior month and -31 listings (-22%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Carson City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,938 sqft |
| 2018-02-01 | 0 days | 1,990 sqft |
| 2018-03-01 | 0 days | 1,872 sqft |
| 2018-04-01 | 0 days | 2,083 sqft |
| 2018-05-01 | 0 days | 1,864 sqft |
| 2018-06-01 | 0 days | 1,833 sqft |
| 2018-07-01 | 0 days | 1,875 sqft |
| 2018-08-01 | 0 days | 1,960 sqft |
| 2018-09-01 | 0 days | 1,964 sqft |
| 2018-10-01 | 0 days | 1,901 sqft |
| 2018-11-01 | 0 days | 1,892 sqft |
| 2018-12-01 | 0 days | 1,862 sqft |
| 2019-01-01 | 0 days | 1,882 sqft |
| 2019-02-01 | 0 days | 1,944 sqft |
| 2019-03-01 | 0 days | 1,921 sqft |
| 2019-04-01 | 0 days | 1,898 sqft |
| 2019-05-01 | 0 days | 1,975 sqft |
| 2019-06-01 | 0 days | 1,995 sqft |
| 2019-07-01 | 0 days | 1,830 sqft |
| 2019-08-01 | 0 days | 1,798 sqft |
| 2019-09-01 | 0 days | 1,719 sqft |
| 2019-10-01 | 0 days | 1,635 sqft |
| 2019-11-01 | 0 days | 1,666 sqft |
| 2019-12-01 | 0 days | 1,627 sqft |
| 2020-01-01 | 0 days | 1,581 sqft |
| 2020-02-01 | 0 days | 1,588 sqft |
| 2020-03-01 | 0 days | 1,646 sqft |
| 2020-04-01 | 0 days | 1,776 sqft |
| 2020-05-01 | 0 days | 1,868 sqft |
| 2020-06-01 | 0 days | 1,925 sqft |
| 2020-07-01 | 0 days | 1,802 sqft |
| 2020-08-01 | 0 days | 1,775 sqft |
| 2020-09-01 | 0 days | 1,659 sqft |
| 2020-10-01 | 0 days | 1,662 sqft |
| 2020-11-01 | 0 days | 1,671 sqft |
| 2020-12-01 | 0 days | 1,782 sqft |
| 2021-01-01 | 0 days | 1,776 sqft |
| 2021-02-01 | 0 days | 1,753 sqft |
| 2021-03-01 | 0 days | 1,650 sqft |
| 2021-04-01 | 0 days | 1,752 sqft |
| 2021-05-01 | 0 days | 1,596 sqft |
| 2021-06-01 | 0 days | 1,794 sqft |
| 2021-07-01 | 0 days | 1,818 sqft |
| 2021-08-01 | 0 days | 1,790 sqft |
| 2021-09-01 | 0 days | 1,840 sqft |
| 2021-10-01 | 0 days | 1,973 sqft |
| 2021-11-01 | 0 days | 1,910 sqft |
| 2021-12-01 | 0 days | 1,731 sqft |
| 2022-01-01 | 0 days | 1,768 sqft |
| 2022-02-01 | 0 days | 1,609 sqft |
| 2022-03-01 | 0 days | 1,625 sqft |
| 2022-04-01 | 0 days | 1,779 sqft |
| 2022-05-01 | 0 days | 1,758 sqft |
| 2022-06-01 | 0 days | 1,768 sqft |
| 2022-07-01 | 0 days | 1,825 sqft |
| 2022-08-01 | 0 days | 1,745 sqft |
| 2022-09-01 | 0 days | 1,632 sqft |
| 2022-10-01 | 0 days | 1,667 sqft |
| 2022-11-01 | 0 days | 1,694 sqft |
| 2022-12-01 | 0 days | 1,686 sqft |
| 2023-01-01 | 0 days | 1,681 sqft |
| 2023-02-01 | 0 days | 1,676 sqft |
| 2023-03-01 | 0 days | 1,782 sqft |
| 2023-04-01 | 0 days | 1,813 sqft |
| 2023-05-01 | 0 days | 1,982 sqft |
| 2023-06-01 | 0 days | 1,823 sqft |
| 2023-07-01 | 0 days | 1,854 sqft |
| 2023-08-01 | 0 days | 1,944 sqft |
Carson City's median square footage for active listings during the 2023-08-01 period was 1,944 sqft. One year prior, the average listing was 1,745 sqft.