Casper USDA Loan Rates, Closing Costs & Stats

CASPER, WY

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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.

    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 6.43% for the week of 2024-04-19, compared to the national average (all USDA variants) of 6.863% for the same period.

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

    The average rate for the prior week (2024-04-12) was 6.58% and one month ago for the week of 2024-03-15, the average rate was 6.27%.

    The average rate one year ago was 6.21%.

    For refis of the same type during the week of 2024-04-19, the average rate was 6.96%.

    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
    Casper's median listing price for 2024-03-01 was $375,000, a difference of $-10,000 (-2.6%) versus the prior year and $-6,225 versus the prior month.

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

    Casper's average listing price for 2024-03-01 was $518,909, a difference of $65,389 (14.4%) versus the prior year and $-213 versus the prior month.

    For the 2024-03-01 period, Casper had 141 MLS listings, a difference of -13 listings (-8%) versus the prior month and 13 listings (10%) 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
    Casper's median listing age (time on market) for 2024-03-01 was 0 days.

    Casper's median square footage for active listings during the 2024-03-01 period was 2,282 sqft. One year prior, the average listing was 2,389 sqft.