Carson City USDA Loan Rates, Closing Costs & Stats

CARSON CITY, NV

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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.

    Carson City USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Carson City averaged 6.38% for the week of 2025-05-23, compared to the national average (all USDA variants) of 6.433% for the same period.

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

    The average rate for the prior week (2025-05-16) was 6.11% and one month ago for the week of 2025-04-18, the average rate was 6.1%.

    The average rate one year ago was 6.77%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.43%.

    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 2024 Avg. 30yFix Rate 2024 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 (15.5%) 0.00 78
    2018-02-01 $369,700 (23.6%) $438,097 (18.0%) 0.00 61
    2018-03-01 $399,900 (34.4%) $434,225 (17.1%) 0.00 59
    2018-04-01 $408,150 (22.2%) $447,672 (17.6%) 0.00 65
    2018-05-01 $377,175 (12.4%) $441,020 (15.3%) 0.00 70
    2018-06-01 $395,000 (16.3%) $458,939 (16.2%) 0.00 70
    2018-07-01 $386,975 (8.1%) $448,788 (11.3%) 0.00 84
    2018-08-01 $386,963 (8.4%) $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 $411,625 (11.3%) $433,028 (-1.2%) 0.00 82
    2019-03-01 $402,536 (0.7%) $442,488 (1.9%) 0.00 86
    2019-04-01 $390,036 (-4.4%) $457,506 (2.2%) 0.00 90
    2019-05-01 $402,475 (6.7%) $473,398 (7.3%) 0.00 100
    2019-06-01 $407,000 (3.0%) $463,251 (0.9%) 0.00 124
    2019-07-01 $389,889 (0.8%) $460,414 (2.6%) 0.00 138
    2019-08-01 $391,123 (1.1%) $473,722 (6.0%) 0.00 142
    2019-09-01 $377,807 (-1.9%) $476,603 (8.7%) 0.00 138
    2019-10-01 $361,225 (-4.9%) $478,523 (9.5%) 0.00 132
    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 (-15.2%) $428,412 (-1.1%) 0.00 67
    2020-03-01 $355,950 (-11.6%) $442,491 (0.0%) 0.00 73
    2020-04-01 $395,000 (1.3%) $462,887 (1.2%) 0.00 91
    2020-05-01 $414,950 (3.1%) $479,591 (1.3%) 0.00 92
    2020-06-01 $416,500 (2.3%) $495,261 (6.9%) 0.00 76
    2020-07-01 $407,500 (4.5%) $498,767 (8.3%) 0.00 68
    2020-08-01 $395,000 (1.0%) $487,530 (2.9%) 0.00 62
    2020-09-01 $385,750 (2.1%) $505,593 (6.1%) 0.00 63
    2020-10-01 $380,000 (5.2%) $477,438 (-0.2%) 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 $443,500 (6.9%) $939,639 (95.9%) 0.00 44
    2021-06-01 $500,950 (20.3%) $970,927 (96.0%) 0.00 45
    2021-07-01 $507,000 (24.4%) $922,936 (85.0%) 0.00 56
    2021-08-01 $494,000 (25.1%) $840,008 (72.3%) 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 (14.3%) $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 (-0.4%) $746,442 (-11.1%) 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 $491,560 (1.4%) $982,526 (65.9%) 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
    2023-09-01 $574,950 (21.0%) $828,528 (18.0%) 0.00 119
    2023-10-01 $569,000 (19.6%) $837,671 (17.9%) 0.00 131
    2023-11-01 $572,500 (14.7%) $839,374 (8.5%) 0.00 126
    2023-12-01 $549,900 (15.6%) $874,787 (13.0%) 0.00 104
    2024-01-01 $571,706 (20.0%) $925,141 (12.6%) 0.00 94
    2024-02-01 $578,368 (23.1%) $928,292 (0.4%) 0.00 89
    2024-03-01 $545,000 (10.9%) $868,672 (-11.6%) 0.00 96
    2024-04-01 $552,111 (10.4%) $874,296 (-6.2%) 0.00 102
    2024-05-01 $561,164 (-3.7%) $880,846 (-4.5%) 0.00 121
    2024-06-01 $559,900 (9.8%) $852,613 (-1.2%) 0.00 133
    2024-07-01 $575,000 (-2.5%) $846,529 (-0.4%) 0.00 138
    2024-08-01 $572,500 (-2.8%) $820,293 (-3.2%) 0.00 143
    2024-09-01 $572,225 (-0.5%) $813,043 (-1.9%) 0.00 136
    2024-10-01 $557,250 (-2.1%) $718,321 (-14.3%) 0.00 137
    2024-11-01 $531,522 (-7.2%) $594,075 (-29.2%) 0.00 127
    2024-12-01 $526,950 (-4.2%) $685,300 (-21.7%) 0.00 102
    2025-01-01 $523,687 (-8.4%) $682,399 (-26.2%) 0.00 89
    2025-02-01 $526,237 (-9.0%) $814,529 (-12.3%) 0.00 82
    2025-03-01 $525,000 (-3.7%) $806,341 (-7.2%) 0.00 81
    2025-04-01 $512,500 (-7.2%) $819,772 (-6.2%) 0.00 80
    Carson City's median listing price for 2025-04-01 was $512,500, a difference of $-39,611 (-7.2%) versus the prior year and $-12,500 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 2025-04-01 was $819,772, a difference of $-54,524 (-6.2%) versus the prior year and $13,431 versus the prior month.

    For the 2025-04-01 period, Carson City had 80 MLS listings, a difference of -1 listings (-1%) versus the prior month and -22 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 1,965 sqft
    2018-09-01 0 days 1,968 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 1,948 sqft
    2019-03-01 0 days 1,934 sqft
    2019-04-01 0 days 1,911 sqft
    2019-05-01 0 days 1,990 sqft
    2019-06-01 0 days 2,020 sqft
    2019-07-01 0 days 1,833 sqft
    2019-08-01 0 days 1,801 sqft
    2019-09-01 0 days 1,722 sqft
    2019-10-01 0 days 1,641 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 1,927 sqft
    2020-07-01 0 days 1,855 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 1,797 sqft
    2021-07-01 0 days 1,818 sqft
    2021-08-01 0 days 1,789 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 1,781 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
    2023-09-01 0 days 1,947 sqft
    2023-10-01 0 days 1,943 sqft
    2023-11-01 0 days 1,950 sqft
    2023-12-01 0 days 1,903 sqft
    2024-01-01 0 days 1,899 sqft
    2024-02-01 0 days 1,854 sqft
    2024-03-01 0 days 1,772 sqft
    2024-04-01 0 days 1,835 sqft
    2024-05-01 0 days 1,907 sqft
    2024-06-01 0 days 1,912 sqft
    2024-07-01 0 days 1,917 sqft
    2024-08-01 0 days 1,907 sqft
    2024-09-01 0 days 1,873 sqft
    2024-10-01 0 days 1,835 sqft
    2024-11-01 0 days 1,768 sqft
    2024-12-01 0 days 1,771 sqft
    2025-01-01 0 days 1,720 sqft
    2025-02-01 0 days 1,715 sqft
    2025-03-01 0 days 1,720 sqft
    2025-04-01 0 days 1,722 sqft
    Carson City's median listing age (time on market) for 2025-04-01 was 0 days.

    Carson City's median square footage for active listings during the 2025-04-01 period was 1,722 sqft. One year prior, the average listing was 1,835 sqft.