Casper USDA Loan Rates, Closing Costs & Stats

CASPER, WY

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.

Casper's 2 lenders originated 2 USDA loans during 2023. The total origination value was $580,000, with an average USDA loan value of $290,000.

Casper USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Casper averaged -0.23% for the week of 2024-11-29, compared to the national average (all USDA variants) of 0% for the same period.

Casper's average USDA mortgage closing costs are $5,728.

The average rate for the prior week (2024-11-22) was 6.37% and one month ago for the week of 2024-10-25, the average rate was 6.27%.

The average rate one year ago was 7.07%.

For refis of the same type during the week of 2024-11-29, the average rate was -0.2%.

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

Casper 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 Casper level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
ON Q FINANCIAL, INC. 1 4.50% $14,312
WESTERN VISTA 1 5.50% $7,147

The top Casper USDA lender as defined by loan originations is ON Q FINANCIAL, INC., with 1 USDA loans originated. Their average total fees are $14,312, which is $7,165 higher than the next largest lender, WESTERN VISTA.

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

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


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Casper (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 $225,000 (0.0%) $265,867 (3.0%) 0.00 398
2018-02-01 $233,725 (9.2%) $270,838 (5.8%) 0.00 375
2018-03-01 $250,000 (13.0%) $276,563 (6.6%) 0.00 405
2018-04-01 $259,500 (15.4%) $285,953 (7.4%) 0.00 414
2018-05-01 $265,900 (16.1%) $295,439 (8.7%) 0.00 440
2018-06-01 $267,400 (16.3%) $301,150 (12.5%) 0.00 462
2018-07-01 $266,925 (16.1%) $303,896 (12.6%) 0.00 474
2018-08-01 $265,675 (15.8%) $303,381 (12.7%) 0.00 473
2018-09-01 $267,900 (16.5%) $299,556 (12.0%) 0.00 464
2018-10-01 $267,050 (12.7%) $297,798 (9.1%) 0.00 442
2018-11-01 $256,450 (11.2%) $297,861 (11.0%) 0.00 416
2018-12-01 $250,000 (6.4%) $295,741 (11.2%) 0.00 383
2019-01-01 $245,600 (9.2%) $287,411 (8.1%) 0.00 334
2019-02-01 $239,600 (2.5%) $276,223 (2.0%) 0.00 324
2019-03-01 $244,243 (-2.3%) $277,431 (0.3%) 0.00 317
2019-04-01 $248,193 (-4.4%) $281,597 (-1.5%) 0.00 303
2019-05-01 $245,000 (-7.9%) $285,346 (-3.4%) 0.00 274
2019-06-01 $249,900 (-6.5%) $295,145 (-2.0%) 0.00 283
2019-07-01 $240,950 (-9.7%) $291,964 (-3.9%) 0.00 304
2019-08-01 $233,818 (-12.0%) $285,502 (-5.9%) 0.00 308
2019-09-01 $226,045 (-15.6%) $280,359 (-6.4%) 0.00 311
2019-10-01 $220,000 (-17.6%) $275,779 (-7.4%) 0.00 309
2019-11-01 $216,950 (-15.4%) $273,958 (-8.0%) 0.00 254
2019-12-01 $221,175 (-11.5%) $279,529 (-5.5%) 0.00 222
2020-01-01 $228,750 (-6.9%) $285,029 (-0.8%) 0.00 201
2020-02-01 $239,750 (0.1%) $289,182 (4.7%) 0.00 191
2020-03-01 $247,450 (1.3%) $297,549 (7.3%) 0.00 190
2020-04-01 $264,700 (6.7%) $312,032 (10.8%) 0.00 221
2020-05-01 $265,000 (8.2%) $301,688 (5.7%) 0.00 228
2020-06-01 $273,975 (9.6%) $322,286 (9.2%) 0.00 215
2020-07-01 $282,795 (17.4%) $322,801 (10.6%) 0.00 235
2020-08-01 $287,000 (22.7%) $333,468 (16.8%) 0.00 249
2020-09-01 $287,325 (27.1%) $344,181 (22.8%) 0.00 256
2020-10-01 $279,000 (26.8%) $333,595 (21.0%) 0.00 261
2020-11-01 $266,750 (23.0%) $327,891 (19.7%) 0.00 264
2020-12-01 $269,225 (21.7%) $328,304 (17.5%) 0.00 222
2021-01-01 $265,000 (15.9%) $331,038 (16.1%) 0.00 195
2021-02-01 $271,250 (13.1%) $348,767 (20.6%) 0.00 157
2021-03-01 $286,000 (15.6%) $357,746 (20.2%) 0.00 131
2021-04-01 $304,783 (15.1%) $399,725 (28.1%) 0.00 111
2021-05-01 $315,000 (18.9%) $395,210 (31.0%) 0.00 114
2021-06-01 $300,000 (9.5%) $393,946 (22.2%) 0.00 143
2021-07-01 $282,450 (-0.1%) $361,191 (11.9%) 0.00 178
2021-08-01 $292,500 (1.9%) $364,120 (9.2%) 0.00 192
2021-09-01 $272,000 (-5.3%) $425,383 (23.6%) 0.00 184
2021-10-01 $262,450 (-5.9%) $366,448 (9.9%) 0.00 168
2021-11-01 $255,950 (-4.1%) $339,607 (3.6%) 0.00 136
2021-12-01 $255,950 (-4.9%) $349,525 (6.5%) 0.00 128
2022-01-01 $267,500 (0.9%) $368,259 (11.2%) 0.00 100
2022-02-01 $299,750 (10.5%) $443,016 (27.0%) 0.00 76
2022-03-01 $351,250 (22.8%) $461,353 (29.0%) 0.00 79
2022-04-01 $370,000 (21.4%) $454,433 (13.7%) 0.00 82
2022-05-01 $344,925 (9.5%) $448,359 (13.5%) 0.00 95
2022-06-01 $346,175 (15.4%) $420,791 (6.8%) 0.00 137
2022-07-01 $349,500 (23.7%) $427,464 (18.4%) 0.00 171
2022-08-01 $349,500 (19.5%) $428,109 (17.6%) 0.00 196
2022-09-01 $349,500 (28.5%) $426,621 (0.3%) 0.00 199
2022-10-01 $364,950 (39.1%) $434,324 (18.5%) 0.00 177
2022-11-01 $366,175 (43.1%) $434,534 (28.0%) 0.00 174
2022-12-01 $382,400 (49.4%) $450,919 (29.0%) 0.00 163
2023-01-01 $359,900 (34.5%) $439,604 (19.4%) 0.00 146
2023-02-01 $351,500 (17.3%) $423,154 (-4.5%) 0.00 148
2023-03-01 $385,000 (9.6%) $453,520 (-1.7%) 0.00 128
2023-04-01 $404,100 (9.2%) $504,303 (11.0%) 0.00 130
2023-05-01 $415,875 (20.6%) $529,990 (18.2%) 0.00 134
2023-06-01 $399,450 (15.4%) $491,971 (16.9%) 0.00 153
2023-07-01 $386,150 (10.5%) $471,109 (10.2%) 0.00 162
2023-08-01 $374,500 (7.2%) $462,090 (7.9%) 0.00 190
2023-09-01 $368,500 (5.4%) $463,973 (8.8%) 0.00 205
2023-10-01 $363,450 (-0.4%) $476,326 (9.7%) 0.00 194
2023-11-01 $375,000 (2.4%) $475,802 (9.5%) 0.00 193
2023-12-01 $385,000 (0.7%) $480,382 (6.5%) 0.00 186
2024-01-01 $378,500 (5.2%) $518,548 (18.0%) 0.00 185
2024-02-01 $381,225 (8.5%) $519,122 (22.7%) 0.00 154
2024-03-01 $375,000 (-2.6%) $518,909 (14.4%) 0.00 141
2024-04-01 $369,950 (-8.5%) $521,725 (3.5%) 0.00 139
2024-05-01 $396,725 (-4.6%) $555,775 (4.9%) 0.00 155
2024-06-01 $390,900 (-2.1%) $549,729 (11.7%) 0.00 169
2024-07-01 $379,925 (-1.6%) $539,130 (14.4%) 0.00 187
2024-08-01 $383,450 (2.4%) $519,988 (12.5%) 0.00 213
2024-09-01 $388,363 (5.4%) $529,299 (14.1%) 0.00 220
2024-10-01 $399,600 (10.0%) $557,750 (17.1%) 0.00 204
Casper's median listing price for 2024-10-01 was $399,600, a difference of $36,150 (10.0%) versus the prior year and $11,237 versus the prior month.

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

Casper's average listing price for 2024-10-01 was $557,750, a difference of $81,424 (17.1%) versus the prior year and $28,451 versus the prior month.

For the 2024-10-01 period, Casper had 204 MLS listings, a difference of -16 listings (-7%) versus the prior month and 10 listings (5%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Casper (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 2,208 sqft
2018-02-01 0 days 2,245 sqft
2018-03-01 0 days 2,256 sqft
2018-04-01 0 days 2,303 sqft
2018-05-01 0 days 2,373 sqft
2018-06-01 0 days 2,368 sqft
2018-07-01 0 days 2,353 sqft
2018-08-01 0 days 2,350 sqft
2018-09-01 0 days 2,331 sqft
2018-10-01 0 days 2,328 sqft
2018-11-01 0 days 2,293 sqft
2018-12-01 0 days 2,235 sqft
2019-01-01 0 days 2,180 sqft
2019-02-01 0 days 2,156 sqft
2019-03-01 0 days 2,171 sqft
2019-04-01 0 days 2,162 sqft
2019-05-01 0 days 2,140 sqft
2019-06-01 0 days 2,190 sqft
2019-07-01 0 days 2,125 sqft
2019-08-01 0 days 2,112 sqft
2019-09-01 0 days 2,105 sqft
2019-10-01 0 days 2,101 sqft
2019-11-01 0 days 2,018 sqft
2019-12-01 0 days 2,020 sqft
2020-01-01 0 days 2,031 sqft
2020-02-01 0 days 2,196 sqft
2020-03-01 0 days 2,203 sqft
2020-04-01 0 days 2,285 sqft
2020-05-01 0 days 2,261 sqft
2020-06-01 0 days 2,338 sqft
2020-07-01 0 days 2,363 sqft
2020-08-01 0 days 2,345 sqft
2020-09-01 0 days 2,331 sqft
2020-10-01 0 days 2,315 sqft
2020-11-01 0 days 2,306 sqft
2020-12-01 0 days 2,307 sqft
2021-01-01 0 days 2,300 sqft
2021-02-01 0 days 2,239 sqft
2021-03-01 0 days 2,263 sqft
2021-04-01 0 days 2,348 sqft
2021-05-01 0 days 2,367 sqft
2021-06-01 0 days 2,259 sqft
2021-07-01 0 days 2,206 sqft
2021-08-01 0 days 2,222 sqft
2021-09-01 0 days 2,270 sqft
2021-10-01 0 days 2,119 sqft
2021-11-01 0 days 2,120 sqft
2021-12-01 0 days 2,132 sqft
2022-01-01 0 days 2,221 sqft
2022-02-01 0 days 2,237 sqft
2022-03-01 0 days 2,433 sqft
2022-04-01 0 days 2,491 sqft
2022-05-01 0 days 2,297 sqft
2022-06-01 0 days 2,401 sqft
2022-07-01 0 days 2,408 sqft
2022-08-01 0 days 2,378 sqft
2022-09-01 0 days 2,366 sqft
2022-10-01 0 days 2,408 sqft
2022-11-01 0 days 2,370 sqft
2022-12-01 0 days 2,388 sqft
2023-01-01 0 days 2,340 sqft
2023-02-01 0 days 2,248 sqft
2023-03-01 0 days 2,389 sqft
2023-04-01 0 days 2,515 sqft
2023-05-01 0 days 2,572 sqft
2023-06-01 0 days 2,393 sqft
2023-07-01 0 days 2,392 sqft
2023-08-01 0 days 2,359 sqft
2023-09-01 0 days 2,262 sqft
2023-10-01 0 days 2,260 sqft
2023-11-01 0 days 2,296 sqft
2023-12-01 0 days 2,343 sqft
2024-01-01 0 days 2,339 sqft
2024-02-01 0 days 2,343 sqft
2024-03-01 0 days 2,282 sqft
2024-04-01 0 days 2,193 sqft
2024-05-01 0 days 2,318 sqft
2024-06-01 0 days 2,269 sqft
2024-07-01 0 days 2,265 sqft
2024-08-01 0 days 2,294 sqft
2024-09-01 0 days 2,323 sqft
2024-10-01 0 days 2,395 sqft
Casper's median listing age (time on market) for 2024-10-01 was 0 days.

Casper's median square footage for active listings during the 2024-10-01 period was 2,395 sqft. One year prior, the average listing was 2,260 sqft.