Gardnerville Ranchos USDA Loan Rates, Closing Costs & Stats
Gardnerville Ranchos, NV
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.
Gardnerville Ranchos's 1 lenders originated 1 USDA loans during 2023. The total origination value was $415,000, with an average USDA loan value of $415,000.
Gardnerville Ranchos USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Gardnerville Ranchos
averaged
-0.34%
for the week of 2024-11-15, compared to the national average (all USDA variants) of
0% for the same period.
Gardnerville Ranchos's average USDA mortgage closing costs are $7,823.
The average rate for the prior week (2024-11-08) was
6.22% and
one month ago for the week of 2024-10-11, the
average rate was 5.88%.
The average rate one year ago was 7.21%.
For refis of the same type during the week of 2024-11-15, the average rate
was -0.2%.
Gardnerville Ranchos 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 Gardnerville Ranchos level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 1 | 6.25% | $9,334 |
The lowest fee Gardnerville Ranchos USDA lenders (with over 10 loans originated) are
.
The lowest rate Gardnerville Ranchos USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Gardnerville Ranchos (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 | $655,750 (9.5%) | $1,733,342 (-25.6%) | 0.00 | 216 |
| 2018-02-01 | $696,000 (11.5%) | $1,521,001 (-30.8%) | 0.00 | 193 |
| 2018-03-01 | $689,000 (6.1%) | $1,839,456 (-18.8%) | 0.00 | 190 |
| 2018-04-01 | $654,500 (2.3%) | $1,932,636 (-12.0%) | 0.00 | 199 |
| 2018-05-01 | $630,900 (0.8%) | $1,742,891 (-15.1%) | 0.00 | 230 |
| 2018-06-01 | $636,000 (6.2%) | $1,724,887 (-11.2%) | 0.00 | 271 |
| 2018-07-01 | $667,000 (11.4%) | $1,587,701 (-16.4%) | 0.00 | 313 |
| 2018-08-01 | $629,429 (0.8%) | $1,534,392 (-24.4%) | 0.00 | 327 |
| 2018-09-01 | $627,500 (-3.3%) | $1,666,049 (0.6%) | 0.00 | 316 |
| 2018-10-01 | $623,475 (-9.3%) | $1,667,377 (5.2%) | 0.00 | 329 |
| 2018-11-01 | $599,250 (-14.2%) | $1,715,404 (5.2%) | 0.00 | 315 |
| 2018-12-01 | $585,000 (-18.5%) | $1,748,948 (3.5%) | 0.00 | 296 |
| 2019-01-01 | $593,625 (-9.5%) | $1,512,159 (-12.8%) | 0.00 | 262 |
| 2019-02-01 | $595,125 (-14.5%) | $1,570,124 (3.2%) | 0.00 | 236 |
| 2019-03-01 | $605,286 (-12.2%) | $1,628,245 (-11.5%) | 0.00 | 250 |
| 2019-04-01 | $619,500 (-5.4%) | $1,663,806 (-13.9%) | 0.00 | 270 |
| 2019-05-01 | $621,625 (-1.5%) | $1,551,736 (-11.0%) | 0.00 | 300 |
| 2019-06-01 | $639,000 (0.5%) | $1,549,315 (-10.2%) | 0.00 | 313 |
| 2019-07-01 | $662,375 (-0.7%) | $1,707,000 (7.5%) | 0.00 | 363 |
| 2019-08-01 | $692,627 (10.0%) | $1,710,982 (11.5%) | 0.00 | 366 |
| 2019-09-01 | $696,718 (11.0%) | $1,715,758 (3.0%) | 0.00 | 362 |
| 2019-10-01 | $698,495 (12.0%) | $1,715,055 (2.9%) | 0.00 | 356 |
| 2019-11-01 | $699,000 (16.7%) | $1,831,129 (6.8%) | 0.00 | 312 |
| 2019-12-01 | $707,450 (20.9%) | $1,890,188 (8.1%) | 0.00 | 296 |
| 2020-01-01 | $698,000 (17.6%) | $1,801,717 (19.2%) | 0.00 | 264 |
| 2020-02-01 | $687,500 (15.5%) | $1,793,027 (14.2%) | 0.00 | 255 |
| 2020-03-01 | $753,875 (24.6%) | $1,893,897 (16.3%) | 0.00 | 232 |
| 2020-04-01 | $728,500 (17.6%) | $1,827,773 (9.9%) | 0.00 | 256 |
| 2020-05-01 | $720,000 (15.8%) | $1,665,330 (7.3%) | 0.00 | 272 |
| 2020-06-01 | $793,500 (24.2%) | $1,967,390 (27.0%) | 0.00 | 252 |
| 2020-07-01 | $796,750 (20.3%) | $1,620,445 (-5.1%) | 0.00 | 221 |
| 2020-08-01 | $835,900 (20.7%) | $1,620,129 (-5.3%) | 0.00 | 178 |
| 2020-09-01 | $884,125 (26.9%) | $2,282,241 (33.0%) | 0.00 | 146 |
| 2020-10-01 | $850,000 (21.7%) | $2,377,675 (38.6%) | 0.00 | 132 |
| 2020-11-01 | $838,750 (20.0%) | $2,378,008 (29.9%) | 0.00 | 121 |
| 2020-12-01 | $863,250 (22.0%) | $2,617,479 (38.5%) | 0.00 | 98 |
| 2021-01-01 | $912,000 (30.7%) | $3,100,757 (72.1%) | 0.00 | 72 |
| 2021-02-01 | $900,175 (30.9%) | $3,446,921 (92.2%) | 0.00 | 66 |
| 2021-03-01 | $801,500 (6.3%) | $2,558,757 (35.1%) | 0.00 | 70 |
| 2021-04-01 | $712,000 (-2.3%) | $1,923,520 (5.2%) | 0.00 | 108 |
| 2021-05-01 | $799,000 (11.0%) | $1,946,512 (16.9%) | 0.00 | 97 |
| 2021-06-01 | $850,500 (7.2%) | $1,936,412 (-1.6%) | 0.00 | 109 |
| 2021-07-01 | $862,500 (8.3%) | $1,808,517 (11.6%) | 0.00 | 125 |
| 2021-08-01 | $914,500 (9.4%) | $1,890,986 (16.7%) | 0.00 | 143 |
| 2021-09-01 | $903,000 (2.1%) | $1,852,970 (-18.8%) | 0.00 | 142 |
| 2021-10-01 | $870,000 (2.4%) | $2,140,956 (-10.0%) | 0.00 | 172 |
| 2021-11-01 | $885,750 (5.6%) | $2,116,421 (-11.0%) | 0.00 | 144 |
| 2021-12-01 | $879,000 (1.8%) | $2,109,245 (-19.4%) | 0.00 | 123 |
| 2022-01-01 | $885,000 (-3.0%) | $2,434,293 (-21.5%) | 0.00 | 102 |
| 2022-02-01 | $924,975 (2.8%) | $2,605,579 (-24.4%) | 0.00 | 78 |
| 2022-03-01 | $884,500 (10.4%) | $2,267,069 (-11.4%) | 0.00 | 78 |
| 2022-04-01 | $899,999 (26.4%) | $2,045,426 (6.3%) | 0.00 | 106 |
| 2022-05-01 | $883,725 (10.6%) | $1,892,837 (-2.8%) | 0.00 | 144 |
| 2022-06-01 | $849,950 (-0.1%) | $2,549,194 (31.7%) | 0.00 | 215 |
| 2022-07-01 | $849,500 (-1.5%) | $2,245,560 (24.2%) | 0.00 | 272 |
| 2022-08-01 | $844,000 (-7.7%) | $2,234,645 (18.2%) | 0.00 | 271 |
| 2022-09-01 | $844,250 (-6.5%) | $2,157,865 (16.5%) | 0.00 | 276 |
| 2022-10-01 | $834,000 (-4.1%) | $2,096,406 (-2.1%) | 0.00 | 259 |
| 2022-11-01 | $783,750 (-11.5%) | $1,874,538 (-11.4%) | 0.00 | 250 |
| 2022-12-01 | $798,000 (-9.2%) | $1,839,645 (-12.8%) | 0.00 | 227 |
| 2023-01-01 | $799,250 (-9.7%) | $1,983,818 (-18.5%) | 0.00 | 188 |
| 2023-02-01 | $799,000 (-13.6%) | $2,224,690 (-14.6%) | 0.00 | 177 |
| 2023-03-01 | $809,306 (-8.5%) | $2,438,284 (7.6%) | 0.00 | 160 |
| 2023-04-01 | $895,000 (-0.6%) | $2,505,778 (22.5%) | 0.00 | 156 |
| 2023-05-01 | $897,000 (1.5%) | $2,331,208 (23.2%) | 0.00 | 181 |
| 2023-06-01 | $944,472 (11.1%) | $2,246,248 (-11.9%) | 0.00 | 205 |
| 2023-07-01 | $998,000 (17.5%) | $2,480,008 (10.4%) | 0.00 | 222 |
| 2023-08-01 | $920,500 (9.1%) | $2,420,858 (8.3%) | 0.00 | 250 |
| 2023-09-01 | $949,000 (12.4%) | $2,522,890 (16.9%) | 0.00 | 258 |
| 2023-10-01 | $980,500 (17.6%) | $2,563,640 (22.3%) | 0.00 | 246 |
| 2023-11-01 | $972,000 (24.0%) | $2,485,198 (32.6%) | 0.00 | 244 |
| 2023-12-01 | $944,450 (18.4%) | $2,464,848 (34.0%) | 0.00 | 235 |
| 2024-01-01 | $919,450 (15.0%) | $2,440,737 (23.0%) | 0.00 | 210 |
| 2024-02-01 | $857,450 (7.3%) | $2,185,262 (-1.8%) | 0.00 | 201 |
| 2024-03-01 | $805,950 (-0.4%) | $2,065,843 (-15.3%) | 0.00 | 193 |
| 2024-04-01 | $880,975 (-1.6%) | $2,242,571 (-10.5%) | 0.00 | 199 |
| 2024-05-01 | $982,750 (9.6%) | $2,381,905 (2.2%) | 0.00 | 209 |
| 2024-06-01 | $914,000 (-3.2%) | $2,334,527 (3.9%) | 0.00 | 228 |
| 2024-07-01 | $948,250 (-5.0%) | $2,150,529 (-13.3%) | 0.00 | 270 |
| 2024-08-01 | $983,500 (6.8%) | $2,127,084 (-12.1%) | 0.00 | 287 |
| 2024-09-01 | $970,950 (2.3%) | $2,265,193 (-10.2%) | 0.00 | 286 |
| 2024-10-01 | $959,750 (-2.1%) | $2,129,841 (-16.9%) | 0.00 | 289 |
Gardnerville Ranchos's median listing price comes in at 0% of the national average.
Gardnerville Ranchos's average listing price for 2024-10-01 was $2,129,841, a difference of $-433,799 (-16.9%) versus the prior year and $-135,352 versus the prior month.
For the 2024-10-01 period, Gardnerville Ranchos had 289 MLS listings, a difference of 3 listings (1%) versus the prior month and 43 listings (17%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Gardnerville Ranchos (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,288 sqft |
| 2018-02-01 | 0 days | 2,388 sqft |
| 2018-03-01 | 0 days | 2,392 sqft |
| 2018-04-01 | 0 days | 2,381 sqft |
| 2018-05-01 | 0 days | 2,308 sqft |
| 2018-06-01 | 0 days | 2,309 sqft |
| 2018-07-01 | 0 days | 2,238 sqft |
| 2018-08-01 | 0 days | 2,185 sqft |
| 2018-09-01 | 0 days | 2,195 sqft |
| 2018-10-01 | 0 days | 2,197 sqft |
| 2018-11-01 | 0 days | 2,209 sqft |
| 2018-12-01 | 0 days | 2,218 sqft |
| 2019-01-01 | 0 days | 2,187 sqft |
| 2019-02-01 | 0 days | 2,226 sqft |
| 2019-03-01 | 0 days | 2,162 sqft |
| 2019-04-01 | 0 days | 2,198 sqft |
| 2019-05-01 | 0 days | 2,229 sqft |
| 2019-06-01 | 0 days | 2,285 sqft |
| 2019-07-01 | 0 days | 2,302 sqft |
| 2019-08-01 | 0 days | 2,304 sqft |
| 2019-09-01 | 0 days | 2,358 sqft |
| 2019-10-01 | 0 days | 2,388 sqft |
| 2019-11-01 | 0 days | 2,375 sqft |
| 2019-12-01 | 0 days | 2,421 sqft |
| 2020-01-01 | 0 days | 2,434 sqft |
| 2020-02-01 | 0 days | 2,431 sqft |
| 2020-03-01 | 0 days | 2,489 sqft |
| 2020-04-01 | 0 days | 2,455 sqft |
| 2020-05-01 | 0 days | 2,446 sqft |
| 2020-06-01 | 0 days | 2,615 sqft |
| 2020-07-01 | 0 days | 2,658 sqft |
| 2020-08-01 | 0 days | 2,665 sqft |
| 2020-09-01 | 0 days | 2,635 sqft |
| 2020-10-01 | 0 days | 2,579 sqft |
| 2020-11-01 | 0 days | 2,376 sqft |
| 2020-12-01 | 0 days | 2,544 sqft |
| 2021-01-01 | 0 days | 2,514 sqft |
| 2021-02-01 | 0 days | 2,521 sqft |
| 2021-03-01 | 0 days | 2,330 sqft |
| 2021-04-01 | 0 days | 2,082 sqft |
| 2021-05-01 | 0 days | 2,116 sqft |
| 2021-06-01 | 0 days | 2,161 sqft |
| 2021-07-01 | 0 days | 2,152 sqft |
| 2021-08-01 | 0 days | 2,215 sqft |
| 2021-09-01 | 0 days | 2,301 sqft |
| 2021-10-01 | 0 days | 2,140 sqft |
| 2021-11-01 | 0 days | 2,149 sqft |
| 2021-12-01 | 0 days | 2,107 sqft |
| 2022-01-01 | 0 days | 2,136 sqft |
| 2022-02-01 | 0 days | 2,299 sqft |
| 2022-03-01 | 0 days | 2,155 sqft |
| 2022-04-01 | 0 days | 2,204 sqft |
| 2022-05-01 | 0 days | 2,109 sqft |
| 2022-06-01 | 0 days | 2,139 sqft |
| 2022-07-01 | 0 days | 2,136 sqft |
| 2022-08-01 | 0 days | 2,126 sqft |
| 2022-09-01 | 0 days | 2,134 sqft |
| 2022-10-01 | 0 days | 2,119 sqft |
| 2022-11-01 | 0 days | 2,122 sqft |
| 2022-12-01 | 0 days | 2,128 sqft |
| 2023-01-01 | 0 days | 2,174 sqft |
| 2023-02-01 | 0 days | 2,132 sqft |
| 2023-03-01 | 0 days | 2,109 sqft |
| 2023-04-01 | 0 days | 2,232 sqft |
| 2023-05-01 | 0 days | 2,203 sqft |
| 2023-06-01 | 0 days | 2,209 sqft |
| 2023-07-01 | 0 days | 2,319 sqft |
| 2023-08-01 | 0 days | 2,249 sqft |
| 2023-09-01 | 0 days | 2,342 sqft |
| 2023-10-01 | 0 days | 2,460 sqft |
| 2023-11-01 | 0 days | 2,335 sqft |
| 2023-12-01 | 0 days | 2,272 sqft |
| 2024-01-01 | 0 days | 2,272 sqft |
| 2024-02-01 | 0 days | 2,206 sqft |
| 2024-03-01 | 0 days | 2,202 sqft |
| 2024-04-01 | 0 days | 2,293 sqft |
| 2024-05-01 | 0 days | 2,369 sqft |
| 2024-06-01 | 0 days | 2,232 sqft |
| 2024-07-01 | 0 days | 2,224 sqft |
| 2024-08-01 | 0 days | 2,193 sqft |
| 2024-09-01 | 0 days | 2,192 sqft |
| 2024-10-01 | 0 days | 2,168 sqft |
Gardnerville Ranchos's median square footage for active listings during the 2024-10-01 period was 2,168 sqft. One year prior, the average listing was 2,460 sqft.