Eureka USDA Loan Rates, Closing Costs & Stats
Eureka-Arcata, CA
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.
Eureka's 2 lenders originated 2 USDA loans during 2023. The total origination value was $550,000, with an average USDA loan value of $275,000.
Eureka USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Eureka
averaged
6.39%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Eureka's average USDA mortgage closing costs are $7,692.
The average rate for the prior week (2025-02-07) was
6.45% and
one month ago for the week of 2025-01-10, the
average rate was 6.5%.
The average rate one year ago was 6.79%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.53%.
Eureka 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 Eureka level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| American Mortgage & Equity Consultants, Inc. | 1 | 6.49% | $10,400 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 6.00% | $11,147 |
The top Eureka USDA lender as defined by loan originations is American Mortgage & Equity Consultants, Inc., with
1 USDA loans originated. Their average total fees are
$10,400, which is $747
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Eureka USDA lenders (with over 10 loans originated) are
.
The lowest rate Eureka USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Eureka (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 | $425,000 (13.3%) | $634,604 (6.4%) | 1.58 | 338 |
| 2018-02-01 | $425,000 (13.0%) | $627,612 (-7.4%) | 1.54 | 357 |
| 2018-03-01 | $425,000 (7.9%) | $613,023 (-0.8%) | 1.49 | 377 |
| 2018-04-01 | $425,000 (11.2%) | $590,027 (-6.8%) | 1.44 | 385 |
| 2018-05-01 | $421,000 (5.5%) | $556,150 (-23.0%) | 1.41 | 437 |
| 2018-06-01 | $399,000 (-2.2%) | $554,816 (-18.3%) | 1.33 | 490 |
| 2018-07-01 | $395,000 (-1.2%) | $548,506 (-12.1%) | 1.32 | 490 |
| 2018-08-01 | $395,000 (1.0%) | $544,744 (-3.2%) | 1.32 | 509 |
| 2018-09-01 | $392,450 (0.8%) | $540,892 (-6.2%) | 1.31 | 506 |
| 2018-10-01 | $377,350 (-5.3%) | $530,741 (-8.9%) | 1.28 | 492 |
| 2018-11-01 | $383,500 (-3.9%) | $531,879 (-7.2%) | 1.30 | 474 |
| 2018-12-01 | $379,000 (-5.0%) | $531,313 (-11.4%) | 1.31 | 428 |
| 2019-01-01 | $376,625 (-11.4%) | $526,483 (-17.0%) | 1.30 | 375 |
| 2019-02-01 | $369,000 (-13.2%) | $514,051 (-18.1%) | 1.25 | 380 |
| 2019-03-01 | $376,607 (-11.4%) | $528,396 (-13.8%) | 1.23 | 377 |
| 2019-04-01 | $386,750 (-9.0%) | $544,027 (-7.8%) | 1.22 | 381 |
| 2019-05-01 | $397,000 (-5.7%) | $548,403 (-1.4%) | 1.24 | 399 |
| 2019-06-01 | $395,000 (-1.0%) | $542,476 (-2.2%) | 1.23 | 432 |
| 2019-07-01 | $389,700 (-1.3%) | $542,961 (-1.0%) | 1.22 | 444 |
| 2019-08-01 | $384,145 (-2.8%) | $539,691 (-0.9%) | 1.22 | 440 |
| 2019-09-01 | $376,189 (-4.1%) | $528,673 (-2.3%) | 1.20 | 420 |
| 2019-10-01 | $370,000 (-2.0%) | $515,897 (-2.8%) | 1.19 | 400 |
| 2019-11-01 | $368,932 (-3.8%) | $503,729 (-5.3%) | 1.21 | 364 |
| 2019-12-01 | $361,000 (-4.8%) | $504,468 (-5.1%) | 1.20 | 323 |
| 2020-01-01 | $354,500 (-5.9%) | $486,348 (-7.6%) | 1.18 | 286 |
| 2020-02-01 | $350,000 (-5.2%) | $507,420 (-1.3%) | 1.15 | 265 |
| 2020-03-01 | $352,500 (-6.4%) | $499,384 (-5.5%) | 1.11 | 274 |
| 2020-04-01 | $360,475 (-6.8%) | $495,289 (-9.0%) | 1.13 | 270 |
| 2020-05-01 | $357,000 (-10.1%) | $485,619 (-11.5%) | 1.09 | 269 |
| 2020-06-01 | $377,500 (-4.4%) | $581,452 (7.2%) | 1.11 | 235 |
| 2020-07-01 | $379,000 (-2.8%) | $622,921 (14.7%) | 1.10 | 217 |
| 2020-08-01 | $399,250 (3.9%) | $641,777 (18.9%) | 1.14 | 210 |
| 2020-09-01 | $399,375 (6.2%) | $659,244 (24.7%) | 1.14 | 188 |
| 2020-10-01 | $425,000 (14.9%) | $684,059 (32.6%) | 1.22 | 162 |
| 2020-11-01 | $422,225 (14.5%) | $691,846 (37.3%) | 1.23 | 171 |
| 2020-12-01 | $428,225 (18.6%) | $685,903 (36.0%) | 1.27 | 132 |
| 2021-01-01 | $425,000 (19.9%) | $698,426 (43.6%) | 1.27 | 115 |
| 2021-02-01 | $428,250 (22.4%) | $771,500 (52.0%) | 1.25 | 103 |
| 2021-03-01 | $427,450 (21.3%) | $732,215 (46.6%) | 1.21 | 110 |
| 2021-04-01 | $444,475 (23.3%) | $704,625 (42.3%) | 1.20 | 124 |
| 2021-05-01 | $429,900 (20.4%) | $674,760 (39.0%) | 1.14 | 133 |
| 2021-06-01 | $434,100 (15.0%) | $710,684 (22.2%) | 1.14 | 149 |
| 2021-07-01 | $449,000 (18.5%) | $725,572 (16.5%) | 1.18 | 158 |
| 2021-08-01 | $449,750 (12.7%) | $724,320 (12.9%) | 1.20 | 175 |
| 2021-09-01 | $470,475 (17.8%) | $753,658 (14.3%) | 1.25 | 165 |
| 2021-10-01 | $493,000 (16.0%) | $776,367 (13.5%) | 1.31 | 168 |
| 2021-11-01 | $519,500 (23.0%) | $819,265 (18.4%) | 1.39 | 169 |
| 2021-12-01 | $499,000 (16.5%) | $775,383 (13.1%) | 1.35 | 171 |
| 2022-01-01 | $519,000 (22.1%) | $833,508 (19.3%) | 1.40 | 157 |
| 2022-02-01 | $524,250 (22.4%) | $833,163 (8.0%) | 1.36 | 163 |
| 2022-03-01 | $542,500 (26.9%) | $802,758 (9.6%) | 1.36 | 174 |
| 2022-04-01 | $549,000 (23.5%) | $811,380 (15.2%) | 1.31 | 187 |
| 2022-05-01 | $539,000 (25.4%) | $789,243 (17.0%) | 1.23 | 233 |
| 2022-06-01 | $530,000 (22.1%) | $755,652 (6.3%) | 1.19 | 274 |
| 2022-07-01 | $499,000 (11.1%) | $679,627 (-6.3%) | 1.12 | 329 |
| 2022-08-01 | $498,000 (10.7%) | $667,642 (-7.8%) | 1.15 | 324 |
| 2022-09-01 | $499,500 (6.2%) | $663,296 (-12.0%) | 1.17 | 325 |
| 2022-10-01 | $495,000 (0.4%) | $646,637 (-16.7%) | 1.16 | 341 |
| 2022-11-01 | $486,500 (-6.4%) | $637,263 (-22.2%) | 1.17 | 332 |
| 2022-12-01 | $489,000 (-2.0%) | $641,715 (-17.2%) | 1.21 | 317 |
| 2023-01-01 | $478,000 (-7.9%) | $627,962 (-24.7%) | 1.19 | 272 |
| 2023-02-01 | $468,725 (-10.6%) | $616,553 (-26.0%) | 1.13 | 263 |
| 2023-03-01 | $480,975 (-11.3%) | $637,436 (-20.6%) | 1.13 | 254 |
| 2023-04-01 | $499,000 (-9.1%) | $644,477 (-20.6%) | 1.16 | 252 |
| 2023-05-01 | $499,500 (-7.3%) | $654,365 (-17.1%) | 1.13 | 274 |
| 2023-06-01 | $489,450 (-7.7%) | $622,443 (-17.6%) | 1.10 | 321 |
| 2023-07-01 | $489,000 (-2.0%) | $620,586 (-8.7%) | 1.11 | 347 |
| 2023-08-01 | $495,000 (-0.6%) | $625,746 (-6.3%) | 1.13 | 346 |
| 2023-09-01 | $475,000 (-4.9%) | $624,879 (-5.8%) | 1.11 | 361 |
| 2023-10-01 | $475,000 (-4.0%) | $612,457 (-5.3%) | 1.12 | 376 |
| 2023-11-01 | $469,000 (-3.6%) | $601,651 (-5.6%) | 1.11 | 345 |
| 2023-12-01 | $460,000 (-5.9%) | $570,566 (-11.1%) | 0.00 | 325 |
| 2024-01-01 | $441,012 (-7.7%) | $550,781 (-12.3%) | 0.00 | 304 |
| 2024-02-01 | $462,225 (-1.4%) | $550,182 (-10.8%) | 0.00 | 293 |
| 2024-03-01 | $465,000 (-3.3%) | $553,519 (-13.2%) | 0.00 | 308 |
| 2024-04-01 | $466,250 (-6.6%) | $561,913 (-12.8%) | 0.00 | 329 |
| 2024-05-01 | $494,100 (-1.1%) | $574,026 (-12.3%) | 0.00 | 373 |
| 2024-06-01 | $499,000 (2.0%) | $584,531 (-6.1%) | 0.00 | 414 |
| 2024-07-01 | $498,500 (1.9%) | $585,063 (-5.7%) | 0.00 | 457 |
| 2024-08-01 | $492,500 (-0.5%) | $579,405 (-7.4%) | 0.00 | 453 |
| 2024-09-01 | $489,000 (3.0%) | $570,499 (-8.7%) | 0.00 | 453 |
| 2024-10-01 | $479,000 (0.8%) | $572,197 (-6.6%) | 0.00 | 450 |
| 2024-11-01 | $475,000 (1.3%) | $578,755 (-3.8%) | 0.00 | 444 |
| 2024-12-01 | $474,000 (3.0%) | $583,755 (2.3%) | 0.00 | 385 |
| 2025-01-01 | $467,000 (5.9%) | $571,569 (3.8%) | 0.00 | 350 |
Eureka's median listing price comes in at 0% of the national average.
Eureka's average listing price for 2025-01-01 was $571,569, a difference of $20,788 (3.8%) versus the prior year and $-12,186 versus the prior month.
For the 2025-01-01 period, Eureka had 350 MLS listings, a difference of -35 listings (-9%) versus the prior month and 46 listings (15%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Eureka (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 78 days | 1,553 sqft |
| 2018-02-01 | 77 days | 1,554 sqft |
| 2018-03-01 | 69 days | 1,558 sqft |
| 2018-04-01 | 68 days | 1,584 sqft |
| 2018-05-01 | 59 days | 1,570 sqft |
| 2018-06-01 | 61 days | 1,577 sqft |
| 2018-07-01 | 71 days | 1,599 sqft |
| 2018-08-01 | 74 days | 1,605 sqft |
| 2018-09-01 | 83 days | 1,600 sqft |
| 2018-10-01 | 83 days | 1,586 sqft |
| 2018-11-01 | 87 days | 1,596 sqft |
| 2018-12-01 | 88 days | 1,598 sqft |
| 2019-01-01 | 89 days | 1,580 sqft |
| 2019-02-01 | 90 days | 1,530 sqft |
| 2019-03-01 | 79 days | 1,559 sqft |
| 2019-04-01 | 60 days | 1,600 sqft |
| 2019-05-01 | 52 days | 1,618 sqft |
| 2019-06-01 | 53 days | 1,600 sqft |
| 2019-07-01 | 66 days | 1,630 sqft |
| 2019-08-01 | 70 days | 1,590 sqft |
| 2019-09-01 | 75 days | 1,569 sqft |
| 2019-10-01 | 77 days | 1,554 sqft |
| 2019-11-01 | 83 days | 1,554 sqft |
| 2019-12-01 | 88 days | 1,540 sqft |
| 2020-01-01 | 81 days | 1,495 sqft |
| 2020-02-01 | 71 days | 1,500 sqft |
| 2020-03-01 | 56 days | 1,506 sqft |
| 2020-04-01 | 66 days | 1,574 sqft |
| 2020-05-01 | 67 days | 1,550 sqft |
| 2020-06-01 | 63 days | 1,597 sqft |
| 2020-07-01 | 45 days | 1,639 sqft |
| 2020-08-01 | 38 days | 1,658 sqft |
| 2020-09-01 | 38 days | 1,651 sqft |
| 2020-10-01 | 49 days | 1,789 sqft |
| 2020-11-01 | 39 days | 1,697 sqft |
| 2020-12-01 | 59 days | 1,682 sqft |
| 2021-01-01 | 61 days | 1,624 sqft |
| 2021-02-01 | 34 days | 1,659 sqft |
| 2021-03-01 | 19 days | 1,680 sqft |
| 2021-04-01 | 19 days | 1,631 sqft |
| 2021-05-01 | 22 days | 1,600 sqft |
| 2021-06-01 | 21 days | 1,546 sqft |
| 2021-07-01 | 30 days | 1,515 sqft |
| 2021-08-01 | 30 days | 1,459 sqft |
| 2021-09-01 | 31 days | 1,500 sqft |
| 2021-10-01 | 31 days | 1,540 sqft |
| 2021-11-01 | 41 days | 1,553 sqft |
| 2021-12-01 | 59 days | 1,500 sqft |
| 2022-01-01 | 73 days | 1,540 sqft |
| 2022-02-01 | 65 days | 1,589 sqft |
| 2022-03-01 | 46 days | 1,570 sqft |
| 2022-04-01 | 43 days | 1,600 sqft |
| 2022-05-01 | 41 days | 1,591 sqft |
| 2022-06-01 | 42 days | 1,600 sqft |
| 2022-07-01 | 43 days | 1,533 sqft |
| 2022-08-01 | 52 days | 1,513 sqft |
| 2022-09-01 | 64 days | 1,546 sqft |
| 2022-10-01 | 66 days | 1,513 sqft |
| 2022-11-01 | 73 days | 1,536 sqft |
| 2022-12-01 | 88 days | 1,515 sqft |
| 2023-01-01 | 98 days | 1,507 sqft |
| 2023-02-01 | 96 days | 1,518 sqft |
| 2023-03-01 | 91 days | 1,524 sqft |
| 2023-04-01 | 72 days | 1,500 sqft |
| 2023-05-01 | 57 days | 1,524 sqft |
| 2023-06-01 | 45 days | 1,572 sqft |
| 2023-07-01 | 52 days | 1,600 sqft |
| 2023-08-01 | 66 days | 1,651 sqft |
| 2023-09-01 | 64 days | 1,600 sqft |
| 2023-10-01 | 68 days | 1,600 sqft |
| 2023-11-01 | 73 days | 1,588 sqft |
| 2023-12-01 | 0 days | 1,559 sqft |
| 2024-01-01 | 0 days | 1,506 sqft |
| 2024-02-01 | 0 days | 1,506 sqft |
| 2024-03-01 | 0 days | 1,500 sqft |
| 2024-04-01 | 0 days | 1,500 sqft |
| 2024-05-01 | 0 days | 1,548 sqft |
| 2024-06-01 | 0 days | 1,535 sqft |
| 2024-07-01 | 0 days | 1,517 sqft |
| 2024-08-01 | 0 days | 1,516 sqft |
| 2024-09-01 | 0 days | 1,562 sqft |
| 2024-10-01 | 0 days | 1,560 sqft |
| 2024-11-01 | 0 days | 1,575 sqft |
| 2024-12-01 | 0 days | 1,550 sqft |
| 2025-01-01 | 0 days | 1,544 sqft |
Eureka's median square footage for active listings during the 2025-01-01 period was 1,544 sqft. One year prior, the average listing was 1,506 sqft.