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
6.49%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Gardnerville Ranchos's average USDA mortgage closing costs are $7,823.
The average rate for the prior week (2025-02-07) was
6.55% and
one month ago for the week of 2025-01-10, the
average rate was 6.39%.
The average rate one year ago was 6.49%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.43%.
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 | $599,500 (4.3%) | $1,549,244 (-23.5%) | 0.00 | 268 |
| 2018-02-01 | $618,450 (8.0%) | $1,367,939 (-25.3%) | 0.00 | 245 |
| 2018-03-01 | $596,750 (2.5%) | $1,607,125 (-15.1%) | 0.00 | 239 |
| 2018-04-01 | $604,725 (5.2%) | $1,708,296 (-8.6%) | 0.00 | 249 |
| 2018-05-01 | $586,100 (1.9%) | $1,581,193 (-11.2%) | 0.00 | 278 |
| 2018-06-01 | $590,000 (3.8%) | $1,585,001 (-6.8%) | 0.00 | 322 |
| 2018-07-01 | $625,000 (9.8%) | $1,466,252 (-12.0%) | 0.00 | 366 |
| 2018-08-01 | $599,250 (5.4%) | $1,426,035 (-19.5%) | 0.00 | 386 |
| 2018-09-01 | $599,000 (3.5%) | $1,515,693 (3.4%) | 0.00 | 383 |
| 2018-10-01 | $593,000 (-1.3%) | $1,506,296 (7.1%) | 0.00 | 398 |
| 2018-11-01 | $587,000 (-4.1%) | $1,550,423 (7.3%) | 0.00 | 380 |
| 2018-12-01 | $575,000 (-10.6%) | $1,560,641 (5.7%) | 0.00 | 363 |
| 2019-01-01 | $575,000 (-4.1%) | $1,357,780 (-12.4%) | 0.00 | 322 |
| 2019-02-01 | $579,000 (-6.4%) | $1,391,470 (1.7%) | 0.00 | 299 |
| 2019-03-01 | $583,286 (-2.3%) | $1,441,976 (-10.3%) | 0.00 | 315 |
| 2019-04-01 | $593,350 (-1.9%) | $1,497,855 (-12.3%) | 0.00 | 335 |
| 2019-05-01 | $597,337 (1.9%) | $1,430,665 (-9.5%) | 0.00 | 358 |
| 2019-06-01 | $599,000 (1.5%) | $1,420,823 (-10.4%) | 0.00 | 378 |
| 2019-07-01 | $607,125 (-2.9%) | $1,532,137 (4.5%) | 0.00 | 441 |
| 2019-08-01 | $625,245 (4.3%) | $1,524,811 (6.9%) | 0.00 | 448 |
| 2019-09-01 | $639,114 (6.7%) | $1,529,268 (0.9%) | 0.00 | 434 |
| 2019-10-01 | $648,134 (9.3%) | $1,531,946 (1.7%) | 0.00 | 421 |
| 2019-11-01 | $649,900 (10.7%) | $1,610,642 (3.9%) | 0.00 | 373 |
| 2019-12-01 | $657,000 (14.3%) | $1,672,668 (7.2%) | 0.00 | 355 |
| 2020-01-01 | $649,000 (12.9%) | $1,567,252 (15.4%) | 0.00 | 324 |
| 2020-02-01 | $649,000 (12.1%) | $1,560,695 (12.2%) | 0.00 | 310 |
| 2020-03-01 | $686,500 (17.7%) | $1,634,493 (13.4%) | 0.00 | 286 |
| 2020-04-01 | $665,500 (12.2%) | $1,589,873 (6.1%) | 0.00 | 311 |
| 2020-05-01 | $659,000 (10.3%) | $1,490,116 (4.2%) | 0.00 | 321 |
| 2020-06-01 | $762,500 (27.3%) | $1,743,909 (22.7%) | 0.00 | 297 |
| 2020-07-01 | $772,325 (27.2%) | $1,439,961 (-6.0%) | 0.00 | 269 |
| 2020-08-01 | $794,000 (27.0%) | $1,455,398 (-4.6%) | 0.00 | 222 |
| 2020-09-01 | $814,625 (27.5%) | $1,900,068 (24.3%) | 0.00 | 188 |
| 2020-10-01 | $799,000 (23.3%) | $2,008,854 (31.1%) | 0.00 | 173 |
| 2020-11-01 | $767,000 (18.0%) | $2,001,053 (24.2%) | 0.00 | 157 |
| 2020-12-01 | $796,750 (21.3%) | $2,161,559 (29.2%) | 0.00 | 130 |
| 2021-01-01 | $829,000 (27.7%) | $2,515,018 (60.5%) | 0.00 | 98 |
| 2021-02-01 | $783,750 (20.8%) | $2,696,687 (72.8%) | 0.00 | 92 |
| 2021-03-01 | $690,000 (0.5%) | $2,114,357 (29.4%) | 0.00 | 96 |
| 2021-04-01 | $623,750 (-6.3%) | $1,666,009 (4.8%) | 0.00 | 133 |
| 2021-05-01 | $704,500 (6.9%) | $1,692,858 (13.6%) | 0.00 | 121 |
| 2021-06-01 | $779,750 (2.3%) | $1,676,846 (-3.9%) | 0.00 | 137 |
| 2021-07-01 | $800,000 (3.6%) | $1,612,391 (12.0%) | 0.00 | 156 |
| 2021-08-01 | $811,950 (2.3%) | $1,663,004 (14.3%) | 0.00 | 175 |
| 2021-09-01 | $812,250 (-0.3%) | $1,660,521 (-12.6%) | 0.00 | 171 |
| 2021-10-01 | $799,000 (0.0%) | $1,937,856 (-3.5%) | 0.00 | 200 |
| 2021-11-01 | $800,000 (4.3%) | $1,910,465 (-4.5%) | 0.00 | 167 |
| 2021-12-01 | $786,500 (-1.3%) | $1,900,262 (-12.1%) | 0.00 | 144 |
| 2022-01-01 | $806,950 (-2.7%) | $2,119,420 (-15.7%) | 0.00 | 125 |
| 2022-02-01 | $849,000 (8.3%) | $2,155,044 (-20.1%) | 0.00 | 104 |
| 2022-03-01 | $831,056 (20.4%) | $1,857,989 (-12.1%) | 0.00 | 105 |
| 2022-04-01 | $848,628 (36.1%) | $1,743,899 (4.7%) | 0.00 | 137 |
| 2022-05-01 | $844,000 (19.8%) | $1,673,711 (-1.1%) | 0.00 | 174 |
| 2022-06-01 | $825,000 (5.8%) | $2,276,314 (35.8%) | 0.00 | 252 |
| 2022-07-01 | $829,700 (3.7%) | $2,047,015 (27.0%) | 0.00 | 310 |
| 2022-08-01 | $825,000 (1.6%) | $2,054,261 (23.5%) | 0.00 | 308 |
| 2022-09-01 | $804,500 (-1.0%) | $2,000,754 (20.5%) | 0.00 | 310 |
| 2022-10-01 | $799,000 (0.0%) | $1,971,832 (1.8%) | 0.00 | 288 |
| 2022-11-01 | $764,806 (-4.4%) | $1,764,165 (-7.7%) | 0.00 | 280 |
| 2022-12-01 | $765,000 (-2.7%) | $1,675,996 (-11.8%) | 0.00 | 260 |
| 2023-01-01 | $753,481 (-6.6%) | $1,754,413 (-17.2%) | 0.00 | 222 |
| 2023-02-01 | $756,750 (-10.9%) | $1,940,398 (-10.0%) | 0.00 | 207 |
| 2023-03-01 | $722,500 (-13.1%) | $2,088,471 (12.4%) | 0.00 | 193 |
| 2023-04-01 | $807,900 (-4.8%) | $2,134,796 (22.4%) | 0.00 | 190 |
| 2023-05-01 | $825,000 (-2.3%) | $2,050,056 (22.5%) | 0.00 | 215 |
| 2023-06-01 | $845,000 (2.4%) | $2,001,726 (-12.1%) | 0.00 | 240 |
| 2023-07-01 | $877,000 (5.7%) | $2,166,351 (5.8%) | 0.00 | 270 |
| 2023-08-01 | $850,550 (3.1%) | $2,140,122 (4.2%) | 0.00 | 298 |
| 2023-09-01 | $865,000 (7.5%) | $2,219,581 (10.9%) | 0.00 | 305 |
| 2023-10-01 | $885,925 (10.9%) | $2,270,382 (15.1%) | 0.00 | 290 |
| 2023-11-01 | $885,375 (15.8%) | $2,204,022 (24.9%) | 0.00 | 291 |
| 2023-12-01 | $850,000 (11.1%) | $2,192,917 (30.8%) | 0.00 | 279 |
| 2024-01-01 | $838,882 (11.3%) | $2,166,105 (23.5%) | 0.00 | 248 |
| 2024-02-01 | $773,475 (2.2%) | $1,931,198 (-0.5%) | 0.00 | 240 |
| 2024-03-01 | $760,800 (5.3%) | $1,805,412 (-13.6%) | 0.00 | 234 |
| 2024-04-01 | $805,235 (-0.3%) | $1,946,896 (-8.8%) | 0.00 | 236 |
| 2024-05-01 | $854,975 (3.6%) | $2,032,715 (-0.9%) | 0.00 | 249 |
| 2024-06-01 | $844,000 (-0.1%) | $1,986,178 (-0.8%) | 0.00 | 278 |
| 2024-07-01 | $847,425 (-3.4%) | $1,874,159 (-13.5%) | 0.00 | 328 |
| 2024-08-01 | $862,000 (1.4%) | $1,861,482 (-13.0%) | 0.00 | 341 |
| 2024-09-01 | $895,450 (3.5%) | $2,042,524 (-8.0%) | 0.00 | 331 |
| 2024-10-01 | $889,450 (0.4%) | $1,950,604 (-14.1%) | 0.00 | 332 |
| 2024-11-01 | $865,000 (-2.3%) | $2,517,903 (14.2%) | 0.00 | 334 |
| 2024-12-01 | $862,000 (1.4%) | $2,451,419 (11.8%) | 0.00 | 308 |
| 2025-01-01 | $847,500 (1.0%) | $2,449,812 (13.1%) | 0.00 | 290 |
Gardnerville Ranchos's median listing price comes in at 0% of the national average.
Gardnerville Ranchos's average listing price for 2025-01-01 was $2,449,812, a difference of $283,707 (13.1%) versus the prior year and $-1,607 versus the prior month.
For the 2025-01-01 period, Gardnerville Ranchos had 290 MLS listings, a difference of -18 listings (-6%) versus the prior month and 42 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 | 2,137 sqft |
| 2018-02-01 | 0 days | 2,240 sqft |
| 2018-03-01 | 0 days | 2,236 sqft |
| 2018-04-01 | 0 days | 2,272 sqft |
| 2018-05-01 | 0 days | 2,210 sqft |
| 2018-06-01 | 0 days | 2,203 sqft |
| 2018-07-01 | 0 days | 2,182 sqft |
| 2018-08-01 | 0 days | 2,146 sqft |
| 2018-09-01 | 0 days | 2,143 sqft |
| 2018-10-01 | 0 days | 2,127 sqft |
| 2018-11-01 | 0 days | 2,142 sqft |
| 2018-12-01 | 0 days | 2,140 sqft |
| 2019-01-01 | 0 days | 2,101 sqft |
| 2019-02-01 | 0 days | 2,124 sqft |
| 2019-03-01 | 0 days | 2,095 sqft |
| 2019-04-01 | 0 days | 2,113 sqft |
| 2019-05-01 | 0 days | 2,146 sqft |
| 2019-06-01 | 0 days | 2,225 sqft |
| 2019-07-01 | 0 days | 2,211 sqft |
| 2019-08-01 | 0 days | 2,181 sqft |
| 2019-09-01 | 0 days | 2,212 sqft |
| 2019-10-01 | 0 days | 2,228 sqft |
| 2019-11-01 | 0 days | 2,205 sqft |
| 2019-12-01 | 0 days | 2,228 sqft |
| 2020-01-01 | 0 days | 2,200 sqft |
| 2020-02-01 | 0 days | 2,194 sqft |
| 2020-03-01 | 0 days | 2,292 sqft |
| 2020-04-01 | 0 days | 2,264 sqft |
| 2020-05-01 | 0 days | 2,238 sqft |
| 2020-06-01 | 0 days | 2,486 sqft |
| 2020-07-01 | 0 days | 2,496 sqft |
| 2020-08-01 | 0 days | 2,498 sqft |
| 2020-09-01 | 0 days | 2,442 sqft |
| 2020-10-01 | 0 days | 2,373 sqft |
| 2020-11-01 | 0 days | 2,171 sqft |
| 2020-12-01 | 0 days | 2,315 sqft |
| 2021-01-01 | 0 days | 2,200 sqft |
| 2021-02-01 | 0 days | 2,146 sqft |
| 2021-03-01 | 0 days | 1,995 sqft |
| 2021-04-01 | 0 days | 1,952 sqft |
| 2021-05-01 | 0 days | 2,005 sqft |
| 2021-06-01 | 0 days | 2,040 sqft |
| 2021-07-01 | 0 days | 2,058 sqft |
| 2021-08-01 | 0 days | 2,096 sqft |
| 2021-09-01 | 0 days | 2,138 sqft |
| 2021-10-01 | 0 days | 2,096 sqft |
| 2021-11-01 | 0 days | 2,098 sqft |
| 2021-12-01 | 0 days | 2,012 sqft |
| 2022-01-01 | 0 days | 2,048 sqft |
| 2022-02-01 | 0 days | 2,187 sqft |
| 2022-03-01 | 0 days | 2,031 sqft |
| 2022-04-01 | 0 days | 2,062 sqft |
| 2022-05-01 | 0 days | 2,072 sqft |
| 2022-06-01 | 0 days | 2,074 sqft |
| 2022-07-01 | 0 days | 2,093 sqft |
| 2022-08-01 | 0 days | 2,094 sqft |
| 2022-09-01 | 0 days | 2,113 sqft |
| 2022-10-01 | 0 days | 2,091 sqft |
| 2022-11-01 | 0 days | 2,087 sqft |
| 2022-12-01 | 0 days | 2,072 sqft |
| 2023-01-01 | 0 days | 2,057 sqft |
| 2023-02-01 | 0 days | 2,034 sqft |
| 2023-03-01 | 0 days | 1,963 sqft |
| 2023-04-01 | 0 days | 2,080 sqft |
| 2023-05-01 | 0 days | 2,097 sqft |
| 2023-06-01 | 0 days | 2,082 sqft |
| 2023-07-01 | 0 days | 2,160 sqft |
| 2023-08-01 | 0 days | 2,101 sqft |
| 2023-09-01 | 0 days | 2,191 sqft |
| 2023-10-01 | 0 days | 2,292 sqft |
| 2023-11-01 | 0 days | 2,218 sqft |
| 2023-12-01 | 0 days | 2,196 sqft |
| 2024-01-01 | 0 days | 2,198 sqft |
| 2024-02-01 | 0 days | 2,156 sqft |
| 2024-03-01 | 0 days | 2,117 sqft |
| 2024-04-01 | 0 days | 2,187 sqft |
| 2024-05-01 | 0 days | 2,213 sqft |
| 2024-06-01 | 0 days | 2,156 sqft |
| 2024-07-01 | 0 days | 2,154 sqft |
| 2024-08-01 | 0 days | 2,086 sqft |
| 2024-09-01 | 0 days | 2,133 sqft |
| 2024-10-01 | 0 days | 2,119 sqft |
| 2024-11-01 | 0 days | 2,146 sqft |
| 2024-12-01 | 0 days | 2,166 sqft |
| 2025-01-01 | 0 days | 2,164 sqft |
Gardnerville Ranchos's median square footage for active listings during the 2025-01-01 period was 2,164 sqft. One year prior, the average listing was 2,198 sqft.