Concord USDA Loan Rates, Closing Costs & Stats

Concord, NH

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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.

    Concord USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Concord averaged 6.72% for the week of 2025-05-23, compared to the national average (all USDA variants) of 6.433% for the same period.

    Concord's average USDA mortgage closing costs are $8,154.

    The average rate for the prior week (2025-05-16) was 6.55% and one month ago for the week of 2025-04-18, the average rate was 6.94%.

    The average rate one year ago was 6.91%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.49%.

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

    Concord 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 Concord level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Concord (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 $306,400 (13.8%) $375,332 (17.0%) 1.14 410
    2018-02-01 $322,225 (17.0%) $383,758 (16.6%) 1.17 360
    2018-03-01 $329,999 (17.9%) $374,482 (10.6%) 1.16 352
    2018-04-01 $329,725 (17.8%) $376,714 (7.7%) 1.12 419
    2018-05-01 $322,225 (8.9%) $375,677 (3.9%) 1.08 502
    2018-06-01 $319,900 (6.7%) $380,713 (3.4%) 1.07 583
    2018-07-01 $314,900 (5.1%) $381,305 (3.7%) 1.05 607
    2018-08-01 $309,700 (3.3%) $385,074 (5.4%) 1.04 637
    2018-09-01 $304,995 (5.2%) $385,903 (7.0%) 1.03 669
    2018-10-01 $309,450 (5.3%) $388,715 (7.3%) 1.05 642
    2018-11-01 $299,950 (4.4%) $386,646 (8.8%) 1.02 562
    2018-12-01 $299,900 (2.6%) $383,125 (6.0%) 1.03 463
    2019-01-01 $299,950 (-2.1%) $390,954 (4.2%) 1.04 390
    2019-02-01 $308,325 (-4.3%) $398,523 (3.9%) 1.04 366
    2019-03-01 $323,814 (-1.9%) $398,186 (6.3%) 1.06 380
    2019-04-01 $337,889 (2.5%) $401,558 (6.6%) 1.07 399
    2019-05-01 $323,400 (0.4%) $385,081 (2.5%) 1.01 464
    2019-06-01 $324,900 (1.6%) $412,820 (8.4%) 1.02 494
    2019-07-01 $319,450 (1.4%) $412,784 (8.3%) 1.00 498
    2019-08-01 $325,691 (5.2%) $412,574 (7.1%) 1.03 490
    2019-09-01 $319,677 (4.8%) $403,535 (4.6%) 1.02 486
    2019-10-01 $315,668 (2.0%) $398,706 (2.6%) 1.02 464
    2019-11-01 $308,000 (2.7%) $391,806 (1.3%) 1.01 399
    2019-12-01 $299,800 (0.0%) $384,329 (0.3%) 1.00 327
    2020-01-01 $300,000 (0.0%) $391,670 (0.2%) 1.00 261
    2020-02-01 $329,000 (6.7%) $413,076 (3.7%) 1.08 250
    2020-03-01 $349,000 (7.8%) $416,792 (4.7%) 1.09 267
    2020-04-01 $357,400 (5.8%) $417,121 (3.9%) 1.12 275
    2020-05-01 $362,400 (12.1%) $427,036 (10.9%) 1.10 261
    2020-06-01 $377,450 (16.2%) $464,939 (12.6%) 1.11 270
    2020-07-01 $374,450 (17.2%) $470,342 (13.9%) 1.09 232
    2020-08-01 $374,950 (15.1%) $451,750 (9.5%) 1.07 235
    2020-09-01 $367,175 (14.9%) $435,077 (7.8%) 1.05 241
    2020-10-01 $337,080 (6.8%) $421,244 (5.7%) 0.97 226
    2020-11-01 $348,475 (13.1%) $444,814 (13.5%) 1.02 180
    2020-12-01 $336,725 (12.3%) $445,425 (15.9%) 1.00 146
    2021-01-01 $339,900 (13.3%) $436,575 (11.5%) 1.01 104
    2021-02-01 $356,000 (8.2%) $475,290 (15.1%) 1.04 87
    2021-03-01 $346,975 (-0.6%) $458,819 (10.1%) 0.98 100
    2021-04-01 $380,450 (6.5%) $475,947 (14.1%) 1.03 111
    2021-05-01 $375,000 (3.5%) $498,344 (16.7%) 1.00 161
    2021-06-01 $377,000 (-0.1%) $496,579 (6.8%) 0.99 207
    2021-07-01 $417,500 (11.5%) $548,428 (16.6%) 1.10 209
    2021-08-01 $389,900 (4.0%) $543,151 (20.2%) 1.04 196
    2021-09-01 $399,675 (8.9%) $518,592 (19.2%) 1.07 192
    2021-10-01 $389,900 (15.7%) $522,466 (24.0%) 1.04 172
    2021-11-01 $399,725 (14.7%) $533,915 (20.0%) 1.07 136
    2021-12-01 $444,725 (32.1%) $540,626 (21.4%) 1.20 98
    2022-01-01 $419,900 (23.5%) $531,532 (21.8%) 1.14 83
    2022-02-01 $464,900 (30.6%) $590,050 (24.2%) 1.21 67
    2022-03-01 $437,225 (26.0%) $530,412 (15.6%) 1.09 91
    2022-04-01 $429,999 (13.0%) $609,087 (28.0%) 1.03 108
    2022-05-01 $449,700 (19.9%) $568,050 (14.0%) 1.03 128
    2022-06-01 $461,000 (22.3%) $588,336 (18.5%) 1.03 177
    2022-07-01 $497,000 (19.0%) $624,410 (13.9%) 1.12 214
    2022-08-01 $484,975 (24.4%) $607,692 (11.9%) 1.12 216
    2022-09-01 $486,000 (21.6%) $599,325 (15.6%) 1.14 204
    2022-10-01 $494,450 (26.8%) $571,209 (9.3%) 1.16 200
    2022-11-01 $491,175 (22.9%) $555,803 (4.1%) 1.18 200
    2022-12-01 $499,900 (12.4%) $557,403 (3.1%) 1.23 163
    2023-01-01 $499,500 (19.0%) $549,914 (3.5%) 1.24 121
    2023-02-01 $522,475 (12.4%) $561,487 (-4.8%) 1.26 87
    2023-03-01 $509,950 (16.6%) $553,866 (4.4%) 1.20 83
    2023-04-01 $522,450 (21.5%) $590,923 (-3.0%) 1.22 97
    2023-05-01 $526,000 (17.0%) $614,541 (8.2%) 1.19 112
    2023-06-01 $565,000 (22.6%) $660,790 (12.3%) 1.27 136
    2023-07-01 $550,000 (10.7%) $638,664 (2.3%) 1.25 155
    2023-08-01 $578,454 (19.3%) $652,192 (7.3%) 1.33 147
    2023-09-01 $549,950 (13.2%) $627,388 (4.7%) 1.28 163
    2023-10-01 $550,000 (11.2%) $646,058 (13.1%) 1.29 182
    2023-11-01 $549,425 (11.9%) $612,984 (10.3%) 1.31 168
    2023-12-01 $574,950 (15.0%) $628,347 (12.7%) 1.40 149
    2024-01-01 $556,175 (11.4%) $605,464 (10.1%) 1.36 122
    2024-02-01 $549,900 (5.3%) $593,352 (5.7%) 1.32 107
    2024-03-01 $569,950 (11.8%) $609,700 (10.1%) 1.34 114
    2024-04-01 $598,675 (14.6%) $629,797 (6.6%) 1.39 124
    2024-05-01 $598,450 (13.8%) $657,988 (7.1%) 1.36 162
    2024-06-01 $554,500 (-1.9%) $696,298 (5.4%) 1.26 192
    2024-07-01 $599,389 (9.0%) $719,714 (12.7%) 1.37 196
    2024-08-01 $554,500 (-4.1%) $679,616 (4.2%) 1.29 221
    2024-09-01 $552,425 (0.5%) $660,352 (5.3%) 1.30 226
    2024-10-01 $532,450 (-3.2%) $635,990 (-1.6%) 1.25 236
    2024-11-01 $539,900 (-1.7%) $667,356 (8.9%) 1.30 195
    2024-12-01 $534,950 (-7.0%) $660,017 (5.0%) 1.33 153
    2025-01-01 $541,200 (-2.7%) $653,147 (7.9%) 1.35 129
    2025-02-01 $544,450 (-1.0%) $644,606 (8.6%) 1.32 121
    2025-03-01 $539,950 (-5.3%) $650,962 (6.8%) 1.27 117
    2025-04-01 $537,475 (-10.2%) $646,665 (2.7%) 1.25 141
    Concord's median listing price for 2025-04-01 was $537,475, a difference of $-61,200 (-10.2%) versus the prior year and $-2,475 versus the prior month.

    Concord's median listing price comes in at 125% of the national average.

    Concord's average listing price for 2025-04-01 was $646,665, a difference of $16,868 (2.7%) versus the prior year and $-4,297 versus the prior month.

    For the 2025-04-01 period, Concord had 141 MLS listings, a difference of 24 listings (21%) versus the prior month and 17 listings (14%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Concord (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 100 days 2,192 sqft
    2018-02-01 104 days 2,173 sqft
    2018-03-01 72 days 2,217 sqft
    2018-04-01 49 days 2,209 sqft
    2018-05-01 40 days 2,170 sqft
    2018-06-01 39 days 2,168 sqft
    2018-07-01 48 days 2,186 sqft
    2018-08-01 53 days 2,185 sqft
    2018-09-01 58 days 2,180 sqft
    2018-10-01 66 days 2,218 sqft
    2018-11-01 74 days 2,201 sqft
    2018-12-01 89 days 2,135 sqft
    2019-01-01 88 days 2,162 sqft
    2019-02-01 88 days 2,094 sqft
    2019-03-01 65 days 2,098 sqft
    2019-04-01 43 days 2,124 sqft
    2019-05-01 40 days 2,121 sqft
    2019-06-01 42 days 2,130 sqft
    2019-07-01 48 days 2,085 sqft
    2019-08-01 52 days 2,094 sqft
    2019-09-01 53 days 2,079 sqft
    2019-10-01 57 days 2,078 sqft
    2019-11-01 67 days 2,065 sqft
    2019-12-01 78 days 1,978 sqft
    2020-01-01 85 days 2,016 sqft
    2020-02-01 60 days 2,065 sqft
    2020-03-01 43 days 2,076 sqft
    2020-04-01 48 days 2,139 sqft
    2020-05-01 53 days 2,125 sqft
    2020-06-01 31 days 2,172 sqft
    2020-07-01 38 days 2,199 sqft
    2020-08-01 42 days 2,222 sqft
    2020-09-01 32 days 2,073 sqft
    2020-10-01 39 days 1,987 sqft
    2020-11-01 45 days 2,025 sqft
    2020-12-01 54 days 1,915 sqft
    2021-01-01 47 days 1,846 sqft
    2021-02-01 28 days 1,800 sqft
    2021-03-01 16 days 1,727 sqft
    2021-04-01 13 days 1,826 sqft
    2021-05-01 14 days 2,072 sqft
    2021-06-01 17 days 2,068 sqft
    2021-07-01 25 days 2,191 sqft
    2021-08-01 34 days 2,123 sqft
    2021-09-01 33 days 2,094 sqft
    2021-10-01 36 days 1,998 sqft
    2021-11-01 40 days 1,947 sqft
    2021-12-01 49 days 1,985 sqft
    2022-01-01 44 days 1,883 sqft
    2022-02-01 22 days 1,944 sqft
    2022-03-01 14 days 1,854 sqft
    2022-04-01 10 days 1,872 sqft
    2022-05-01 14 days 1,921 sqft
    2022-06-01 12 days 1,947 sqft
    2022-07-01 23 days 2,118 sqft
    2022-08-01 32 days 2,104 sqft
    2022-09-01 39 days 2,141 sqft
    2022-10-01 40 days 2,099 sqft
    2022-11-01 39 days 2,058 sqft
    2022-12-01 54 days 2,052 sqft
    2023-01-01 66 days 2,073 sqft
    2023-02-01 64 days 2,022 sqft
    2023-03-01 35 days 1,889 sqft
    2023-04-01 17 days 2,043 sqft
    2023-05-01 14 days 2,056 sqft
    2023-06-01 18 days 2,082 sqft
    2023-07-01 24 days 2,128 sqft
    2023-08-01 32 days 2,086 sqft
    2023-09-01 31 days 2,154 sqft
    2023-10-01 32 days 2,188 sqft
    2023-11-01 39 days 2,195 sqft
    2023-12-01 54 days 2,175 sqft
    2024-01-01 58 days 2,060 sqft
    2024-02-01 42 days 1,995 sqft
    2024-03-01 29 days 2,049 sqft
    2024-04-01 27 days 2,072 sqft
    2024-05-01 17 days 2,098 sqft
    2024-06-01 26 days 2,072 sqft
    2024-07-01 33 days 2,084 sqft
    2024-08-01 33 days 2,020 sqft
    2024-09-01 31 days 2,043 sqft
    2024-10-01 31 days 2,072 sqft
    2024-11-01 46 days 2,031 sqft
    2024-12-01 57 days 2,002 sqft
    2025-01-01 53 days 1,966 sqft
    2025-02-01 43 days 1,962 sqft
    2025-03-01 37 days 1,910 sqft
    2025-04-01 30 days 1,932 sqft
    Concord's median listing age (time on market) for 2025-04-01 was 30 days. This is 13% longer than the same period one year ago.

    Concord's median square footage for active listings during the 2025-04-01 period was 1,932 sqft. One year prior, the average listing was 2,072 sqft.