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 -0.14% for the week of 2024-11-29, 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 (2024-11-22) was 6.16% and one month ago for the week of 2024-10-25, the average rate was 6.36%.

The average rate one year ago was 6.97%.

For refis of the same type during the week of 2024-11-29, the average rate was -0.1%.

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

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 for 2024-10-01 was $959,750, a difference of $-20,750 (-2.1%) versus the prior year and $-11,200 versus the prior month.

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 listing age (time on market) for 2024-10-01 was 0 days.

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.