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 6.3% for the week of 2023-01-27, compared to the national average (all USDA variants) of 6.195% for the same period.

Carson City's average USDA mortgage closing costs are $0.

The average rate for the prior week (2023-01-20) was 6.2% and one month ago for the week of 2022-12-23, the average rate was 6.23%.

The average rate one year ago was 3.68%.

For refis of the same type during the week of 2023-01-27, the average rate was 6.12%.

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

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 2021 Avg. 30yFix Rate 2021 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 $500,000 (22.3%) $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
Carson City's median listing price for 2022-12-01 was $475,880, a difference of $-39,120 (-7.6%) versus the prior year and $-23,245 versus the prior month.

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

Carson City's average listing price for 2022-12-01 was $774,222, a difference of $114,843 (17.4%) versus the prior year and $906 versus the prior month.

For the 2022-12-01 period, Carson City had 151 MLS listings, a difference of 0 listings (0%) versus the prior month and 96 listings (175%) 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
Carson City's median listing age (time on market) for 2022-12-01 was 0 days.

Carson City's median square footage for active listings during the 2022-12-01 period was 1,686 sqft. One year prior, the average listing was 1,731 sqft.