Hartford USDA Loan Rates, Closing Costs & Stats
HARTFORD-EAST HARTFORD-MIDDLETOWN, CT
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.
Hartford's 7 lenders originated 9 USDA loans during 2023. The total origination value was $2,345,000, with an average USDA loan value of $260,556.
Hartford USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Hartford
averaged
6.56%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Hartford's average USDA mortgage closing costs are $6,175.
The average rate for the prior week (2025-02-07) was
6.22% and
one month ago for the week of 2025-01-10, the
average rate was 6.47%.
The average rate one year ago was 6.26%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.46%.
Hartford 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 Hartford level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| NEWREZ LLC | 2 | 6.25% | $7,699 |
| FIRST WORLD MORTGAGE CORPORATION | 1 | 6.13% | $12,420 |
| LEADERONE FINANCIAL CORPORATION | 1 | 6.63% | $7,435 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 1 | 6.63% | $3,161 |
| NORWICH COMMERCIAL GROUP, INC. | 1 | 6.25% | $9,379 |
| PLAZA HOME MORTGAGE, INC. | 1 | 5.75% | $10,107 |
| MOVEMENT MORTGAGE, LLC | 1 | 6.63% | $5,792 |
The top Hartford USDA lender as defined by loan originations is NEWREZ LLC, with
2 USDA loans originated. Their average total fees are
$7,699, which is $4,721
lower than the next largest lender,
FIRST WORLD MORTGAGE CORPORATION.
The lowest fee Hartford USDA lenders (with over 10 loans originated) are
.
The lowest rate Hartford USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Hartford (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 | $279,900 (3.7%) | $364,407 (4.4%) | 1.00 | 3,897 |
| 2018-02-01 | $279,900 (1.1%) | $363,803 (2.5%) | 0.97 | 3,852 |
| 2018-03-01 | $299,000 (5.0%) | $371,350 (-1.0%) | 1.00 | 4,081 |
| 2018-04-01 | $299,900 (3.8%) | $377,877 (-0.2%) | 0.98 | 4,244 |
| 2018-05-01 | $299,900 (1.1%) | $378,367 (-0.1%) | 0.96 | 4,660 |
| 2018-06-01 | $299,900 (0.3%) | $381,094 (-0.5%) | 0.97 | 4,956 |
| 2018-07-01 | $299,450 (1.5%) | $374,729 (-2.4%) | 0.96 | 5,252 |
| 2018-08-01 | $294,900 (1.9%) | $370,156 (-2.9%) | 0.95 | 5,233 |
| 2018-09-01 | $289,900 (0.0%) | $364,570 (-3.2%) | 0.94 | 5,302 |
| 2018-10-01 | $289,900 (1.1%) | $365,793 (-1.6%) | 0.95 | 5,234 |
| 2018-11-01 | $289,700 (1.7%) | $367,371 (-0.6%) | 0.95 | 4,964 |
| 2018-12-01 | $284,900 (1.0%) | $368,771 (-0.2%) | 0.95 | 4,447 |
| 2019-01-01 | $282,450 (0.9%) | $364,387 (0.0%) | 0.95 | 3,967 |
| 2019-02-01 | $292,250 (4.4%) | $369,911 (1.7%) | 0.95 | 3,849 |
| 2019-03-01 | $296,814 (-0.7%) | $375,600 (1.1%) | 0.94 | 3,897 |
| 2019-04-01 | $303,075 (1.1%) | $383,715 (1.5%) | 0.94 | 3,999 |
| 2019-05-01 | $309,950 (3.4%) | $387,420 (2.4%) | 0.94 | 4,319 |
| 2019-06-01 | $314,900 (5.0%) | $387,835 (1.8%) | 0.95 | 4,545 |
| 2019-07-01 | $304,500 (1.7%) | $382,159 (2.0%) | 0.94 | 4,694 |
| 2019-08-01 | $299,973 (1.7%) | $378,617 (2.3%) | 0.95 | 4,686 |
| 2019-09-01 | $299,932 (3.5%) | $376,066 (3.2%) | 0.95 | 4,683 |
| 2019-10-01 | $299,900 (3.5%) | $374,693 (2.4%) | 0.96 | 4,625 |
| 2019-11-01 | $299,900 (3.5%) | $373,680 (1.7%) | 0.95 | 4,215 |
| 2019-12-01 | $296,275 (4.0%) | $372,591 (1.0%) | 0.97 | 3,657 |
| 2020-01-01 | $292,975 (3.7%) | $369,222 (1.3%) | 0.95 | 3,169 |
| 2020-02-01 | $299,900 (2.6%) | $374,539 (1.3%) | 0.95 | 2,989 |
| 2020-03-01 | $319,422 (7.6%) | $391,698 (4.3%) | 0.96 | 2,965 |
| 2020-04-01 | $319,900 (5.6%) | $393,414 (2.5%) | 0.97 | 2,877 |
| 2020-05-01 | $329,900 (6.4%) | $403,482 (4.2%) | 0.99 | 2,757 |
| 2020-06-01 | $344,450 (9.4%) | $426,776 (10.0%) | 0.98 | 2,613 |
| 2020-07-01 | $349,950 (14.9%) | $442,440 (15.8%) | 1.00 | 2,380 |
| 2020-08-01 | $349,900 (16.6%) | $450,107 (18.9%) | 0.99 | 2,241 |
| 2020-09-01 | $349,400 (16.5%) | $453,087 (20.5%) | 0.97 | 2,254 |
| 2020-10-01 | $348,900 (16.3%) | $457,720 (22.2%) | 0.97 | 2,258 |
| 2020-11-01 | $349,900 (16.7%) | $458,481 (22.7%) | 0.99 | 2,135 |
| 2020-12-01 | $349,900 (18.1%) | $466,238 (25.1%) | 1.01 | 1,832 |
| 2021-01-01 | $350,000 (19.5%) | $473,382 (28.2%) | 1.03 | 1,453 |
| 2021-02-01 | $362,400 (20.8%) | $493,583 (31.8%) | 1.03 | 1,213 |
| 2021-03-01 | $364,900 (14.2%) | $502,626 (28.3%) | 1.00 | 1,220 |
| 2021-04-01 | $369,900 (15.6%) | $500,697 (27.3%) | 0.97 | 1,263 |
| 2021-05-01 | $359,900 (9.1%) | $489,338 (21.3%) | 0.93 | 1,343 |
| 2021-06-01 | $349,900 (1.6%) | $482,051 (13.0%) | 0.90 | 1,548 |
| 2021-07-01 | $346,950 (-0.9%) | $472,405 (6.8%) | 0.88 | 1,741 |
| 2021-08-01 | $337,850 (-3.4%) | $454,440 (1.0%) | 0.88 | 1,839 |
| 2021-09-01 | $339,047 (-3.0%) | $454,380 (0.3%) | 0.88 | 1,778 |
| 2021-10-01 | $335,000 (-4.0%) | $466,806 (2.0%) | 0.88 | 1,695 |
| 2021-11-01 | $348,975 (-0.3%) | $485,838 (6.0%) | 0.90 | 1,427 |
| 2021-12-01 | $349,975 (0.0%) | $508,733 (9.1%) | 0.94 | 1,154 |
| 2022-01-01 | $359,900 (2.8%) | $518,938 (9.6%) | 0.95 | 956 |
| 2022-02-01 | $372,000 (2.7%) | $539,934 (9.4%) | 0.94 | 841 |
| 2022-03-01 | $358,175 (-1.8%) | $520,682 (3.6%) | 0.88 | 872 |
| 2022-04-01 | $354,900 (-4.1%) | $496,606 (-0.8%) | 0.83 | 986 |
| 2022-05-01 | $369,900 (2.8%) | $531,825 (8.7%) | 0.83 | 1,160 |
| 2022-06-01 | $379,900 (8.6%) | $526,077 (9.1%) | 0.82 | 1,316 |
| 2022-07-01 | $385,000 (11.0%) | $529,730 (12.1%) | 0.85 | 1,461 |
| 2022-08-01 | $382,000 (13.1%) | $535,380 (17.8%) | 0.86 | 1,396 |
| 2022-09-01 | $384,950 (13.5%) | $551,887 (21.5%) | 0.87 | 1,273 |
| 2022-10-01 | $382,500 (14.2%) | $567,499 (21.6%) | 0.88 | 1,275 |
| 2022-11-01 | $382,400 (9.6%) | $571,115 (17.6%) | 0.90 | 1,206 |
| 2022-12-01 | $375,000 (7.2%) | $583,784 (14.8%) | 0.90 | 1,009 |
| 2023-01-01 | $379,950 (5.6%) | $606,238 (16.8%) | 0.92 | 806 |
| 2023-02-01 | $402,688 (8.3%) | $637,551 (18.1%) | 0.96 | 759 |
| 2023-03-01 | $407,500 (13.8%) | $657,088 (26.2%) | 0.95 | 725 |
| 2023-04-01 | $414,950 (16.9%) | $641,595 (29.2%) | 0.93 | 818 |
| 2023-05-01 | $436,725 (18.1%) | $651,034 (22.4%) | 0.96 | 868 |
| 2023-06-01 | $449,450 (18.3%) | $641,420 (21.9%) | 0.98 | 963 |
| 2023-07-01 | $449,900 (16.9%) | $632,573 (19.4%) | 0.99 | 988 |
| 2023-08-01 | $400,000 (4.7%) | $573,672 (7.2%) | 0.92 | 1,014 |
| 2023-09-01 | $410,000 (6.5%) | $577,259 (4.6%) | 0.93 | 1,067 |
| 2023-10-01 | $412,450 (7.8%) | $598,861 (5.5%) | 0.94 | 1,064 |
| 2023-11-01 | $399,950 (4.6%) | $581,937 (1.9%) | 0.95 | 1,083 |
| 2023-12-01 | $399,900 (6.6%) | $580,050 (-0.6%) | 0.95 | 874 |
| 2024-01-01 | $399,900 (5.3%) | $589,768 (-2.7%) | 0.96 | 790 |
| 2024-02-01 | $407,000 (1.1%) | $607,286 (-4.8%) | 0.96 | 753 |
| 2024-03-01 | $409,450 (0.5%) | $600,467 (-8.6%) | 0.94 | 759 |
| 2024-04-01 | $424,950 (2.4%) | $610,634 (-4.8%) | 0.94 | 834 |
| 2024-05-01 | $454,900 (4.2%) | $635,778 (-2.3%) | 1.01 | 911 |
| 2024-06-01 | $449,900 (0.1%) | $620,667 (-3.2%) | 1.01 | 1,014 |
| 2024-07-01 | $438,675 (-2.5%) | $617,318 (-2.4%) | 0.96 | 1,061 |
| 2024-08-01 | $425,000 (6.3%) | $623,832 (8.7%) | 0.97 | 1,096 |
| 2024-09-01 | $425,000 (3.7%) | $609,995 (5.7%) | 0.97 | 1,199 |
| 2024-10-01 | $409,950 (-0.6%) | $587,799 (-1.9%) | 0.94 | 1,219 |
| 2024-11-01 | $406,250 (1.6%) | $578,827 (-0.5%) | 0.96 | 1,131 |
| 2024-12-01 | $414,950 (3.8%) | $588,764 (1.5%) | 0.99 | 899 |
| 2025-01-01 | $408,375 (2.1%) | $601,045 (1.9%) | 0.00 | 805 |
Hartford's median listing price comes in at 0% of the national average.
Hartford's average listing price for 2025-01-01 was $601,045, a difference of $11,277 (1.9%) versus the prior year and $12,281 versus the prior month.
For the 2025-01-01 period, Hartford had 805 MLS listings, a difference of -94 listings (-10%) versus the prior month and 15 listings (2%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Hartford (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 86 days | 1,768 sqft |
| 2018-02-01 | 80 days | 1,760 sqft |
| 2018-03-01 | 57 days | 1,823 sqft |
| 2018-04-01 | 52 days | 1,841 sqft |
| 2018-05-01 | 47 days | 1,857 sqft |
| 2018-06-01 | 49 days | 1,872 sqft |
| 2018-07-01 | 54 days | 1,860 sqft |
| 2018-08-01 | 61 days | 1,826 sqft |
| 2018-09-01 | 67 days | 1,816 sqft |
| 2018-10-01 | 69 days | 1,818 sqft |
| 2018-11-01 | 71 days | 1,803 sqft |
| 2018-12-01 | 80 days | 1,798 sqft |
| 2019-01-01 | 88 days | 1,795 sqft |
| 2019-02-01 | 86 days | 1,808 sqft |
| 2019-03-01 | 68 days | 1,814 sqft |
| 2019-04-01 | 47 days | 1,832 sqft |
| 2019-05-01 | 44 days | 1,932 sqft |
| 2019-06-01 | 47 days | 2,020 sqft |
| 2019-07-01 | 54 days | 2,004 sqft |
| 2019-08-01 | 58 days | 2,001 sqft |
| 2019-09-01 | 60 days | 2,003 sqft |
| 2019-10-01 | 63 days | 2,008 sqft |
| 2019-11-01 | 67 days | 2,004 sqft |
| 2019-12-01 | 77 days | 1,989 sqft |
| 2020-01-01 | 82 days | 1,944 sqft |
| 2020-02-01 | 71 days | 1,975 sqft |
| 2020-03-01 | 51 days | 2,020 sqft |
| 2020-04-01 | 58 days | 2,009 sqft |
| 2020-05-01 | 66 days | 2,044 sqft |
| 2020-06-01 | 48 days | 2,108 sqft |
| 2020-07-01 | 44 days | 2,132 sqft |
| 2020-08-01 | 41 days | 2,104 sqft |
| 2020-09-01 | 39 days | 2,046 sqft |
| 2020-10-01 | 37 days | 2,016 sqft |
| 2020-11-01 | 44 days | 1,993 sqft |
| 2020-12-01 | 57 days | 1,994 sqft |
| 2021-01-01 | 60 days | 1,986 sqft |
| 2021-02-01 | 51 days | 1,995 sqft |
| 2021-03-01 | 30 days | 1,980 sqft |
| 2021-04-01 | 23 days | 2,002 sqft |
| 2021-05-01 | 22 days | 1,974 sqft |
| 2021-06-01 | 22 days | 1,914 sqft |
| 2021-07-01 | 29 days | 1,896 sqft |
| 2021-08-01 | 29 days | 1,752 sqft |
| 2021-09-01 | 37 days | 1,752 sqft |
| 2021-10-01 | 35 days | 1,728 sqft |
| 2021-11-01 | 43 days | 1,770 sqft |
| 2021-12-01 | 50 days | 1,766 sqft |
| 2022-01-01 | 61 days | 1,790 sqft |
| 2022-02-01 | 31 days | 1,786 sqft |
| 2022-03-01 | 20 days | 1,740 sqft |
| 2022-04-01 | 15 days | 1,714 sqft |
| 2022-05-01 | 15 days | 1,768 sqft |
| 2022-06-01 | 17 days | 1,800 sqft |
| 2022-07-01 | 24 days | 1,796 sqft |
| 2022-08-01 | 32 days | 1,955 sqft |
| 2022-09-01 | 37 days | 1,989 sqft |
| 2022-10-01 | 32 days | 2,012 sqft |
| 2022-11-01 | 41 days | 1,977 sqft |
| 2022-12-01 | 55 days | 1,949 sqft |
| 2023-01-01 | 56 days | 1,946 sqft |
| 2023-02-01 | 34 days | 2,003 sqft |
| 2023-03-01 | 29 days | 1,982 sqft |
| 2023-04-01 | 21 days | 2,030 sqft |
| 2023-05-01 | 19 days | 2,079 sqft |
| 2023-06-01 | 18 days | 2,077 sqft |
| 2023-07-01 | 23 days | 2,089 sqft |
| 2023-08-01 | 37 days | 1,951 sqft |
| 2023-09-01 | 37 days | 1,998 sqft |
| 2023-10-01 | 37 days | 1,994 sqft |
| 2023-11-01 | 37 days | 1,955 sqft |
| 2023-12-01 | 45 days | 1,890 sqft |
| 2024-01-01 | 52 days | 1,889 sqft |
| 2024-02-01 | 41 days | 1,873 sqft |
| 2024-03-01 | 37 days | 1,860 sqft |
| 2024-04-01 | 30 days | 1,741 sqft |
| 2024-05-01 | 16 days | 1,816 sqft |
| 2024-06-01 | 17 days | 1,831 sqft |
| 2024-07-01 | 31 days | 1,794 sqft |
| 2024-08-01 | 33 days | 1,773 sqft |
| 2024-09-01 | 33 days | 1,783 sqft |
| 2024-10-01 | 33 days | 1,743 sqft |
| 2024-11-01 | 40 days | 1,722 sqft |
| 2024-12-01 | 49 days | 1,722 sqft |
| 2025-01-01 | 0 days | 1,701 sqft |
Hartford's median square footage for active listings during the 2025-01-01 period was 1,701 sqft. One year prior, the average listing was 1,889 sqft.