Laconia USDA Loan Rates, Closing Costs & Stats

Laconia, NH

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    • 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.

    Laconia USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Laconia averaged 6.65% for the week of 2025-05-23, compared to the national average (all USDA variants) of 6.433% for the same period.

    Laconia's average USDA mortgage closing costs are $5,199.

    The average rate for the prior week (2025-05-16) was 6.98% and one month ago for the week of 2025-04-18, the average rate was 6.87%.

    The average rate one year ago was 6.93%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.25%.

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

    Laconia 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 Laconia level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs

    The lowest fee Laconia USDA lenders (with over 10 loans originated) are .

    The lowest rate Laconia USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Laconia (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 $284,450 (5.4%) $542,023 (-15.8%) 0.00 329
    2018-02-01 $299,900 (11.1%) $558,764 (-12.2%) 0.00 319
    2018-03-01 $302,400 (12.0%) $561,448 (-12.6%) 0.00 334
    2018-04-01 $309,450 (14.6%) $572,743 (-8.8%) 0.00 382
    2018-05-01 $317,950 (15.8%) $657,523 (7.4%) 0.00 465
    2018-06-01 $329,900 (14.9%) $646,106 (5.3%) 0.00 523
    2018-07-01 $333,725 (14.1%) $614,175 (1.8%) 0.00 558
    2018-08-01 $329,900 (10.3%) $618,211 (4.0%) 0.00 545
    2018-09-01 $319,450 (6.5%) $589,377 (4.3%) 0.00 566
    2018-10-01 $313,925 (4.7%) $581,639 (-0.5%) 0.00 551
    2018-11-01 $304,900 (1.7%) $579,674 (-4.7%) 0.00 493
    2018-12-01 $299,000 (-0.2%) $592,265 (-2.4%) 0.00 421
    2019-01-01 $299,900 (5.4%) $608,541 (12.3%) 0.00 366
    2019-02-01 $299,900 (0.0%) $557,342 (-0.3%) 0.00 337
    2019-03-01 $304,186 (0.6%) $564,294 (0.5%) 0.00 344
    2019-04-01 $314,450 (1.6%) $590,479 (3.1%) 0.00 362
    2019-05-01 $336,950 (6.0%) $625,965 (-4.8%) 0.00 409
    2019-06-01 $334,000 (1.2%) $574,469 (-11.1%) 0.00 458
    2019-07-01 $325,750 (-2.4%) $548,224 (-10.7%) 0.00 514
    2019-08-01 $325,000 (-1.5%) $551,757 (-10.8%) 0.00 508
    2019-09-01 $325,000 (1.7%) $555,025 (-5.8%) 0.00 486
    2019-10-01 $327,000 (4.2%) $557,204 (-4.2%) 0.00 462
    2019-11-01 $324,900 (6.6%) $522,506 (-9.9%) 0.00 384
    2019-12-01 $317,400 (6.2%) $518,350 (-12.5%) 0.00 288
    2020-01-01 $307,400 (2.5%) $560,413 (-7.9%) 0.00 240
    2020-02-01 $314,450 (4.9%) $573,569 (2.9%) 0.00 213
    2020-03-01 $295,750 (-2.8%) $534,751 (-5.2%) 0.00 236
    2020-04-01 $299,974 (-4.6%) $528,327 (-10.5%) 0.00 280
    2020-05-01 $322,500 (-4.3%) $592,913 (-5.3%) 0.00 261
    2020-06-01 $359,450 (7.6%) $643,573 (12.0%) 0.00 231
    2020-07-01 $377,000 (15.7%) $774,214 (41.2%) 0.00 196
    2020-08-01 $375,000 (15.4%) $753,098 (36.5%) 0.00 193
    2020-09-01 $365,250 (12.4%) $638,756 (15.1%) 0.00 193
    2020-10-01 $364,500 (11.5%) $620,655 (11.4%) 0.00 191
    2020-11-01 $344,500 (6.0%) $579,888 (11.0%) 0.00 172
    2020-12-01 $339,000 (6.8%) $568,656 (9.7%) 0.00 129
    2021-01-01 $332,000 (8.0%) $479,605 (-14.4%) 0.00 92
    2021-02-01 $342,450 (8.9%) $520,744 (-9.2%) 0.00 77
    2021-03-01 $397,175 (34.3%) $655,693 (22.6%) 0.00 90
    2021-04-01 $399,900 (33.3%) $665,481 (26.0%) 0.00 109
    2021-05-01 $425,000 (31.8%) $683,918 (15.4%) 0.00 127
    2021-06-01 $446,175 (24.1%) $696,642 (8.3%) 0.00 144
    2021-07-01 $449,900 (19.3%) $689,140 (-11.0%) 0.00 167
    2021-08-01 $442,413 (18.0%) $707,959 (-6.0%) 0.00 182
    2021-09-01 $444,675 (21.8%) $726,822 (13.8%) 0.00 167
    2021-10-01 $429,950 (18.0%) $722,510 (16.4%) 0.00 157
    2021-11-01 $429,450 (24.7%) $735,103 (26.8%) 0.00 138
    2021-12-01 $432,450 (27.6%) $838,308 (47.4%) 0.00 101
    2022-01-01 $434,900 (31.0%) $873,190 (82.1%) 0.00 77
    2022-02-01 $469,950 (37.2%) $946,247 (81.7%) 0.00 68
    2022-03-01 $480,000 (20.9%) $937,536 (43.0%) 0.00 64
    2022-04-01 $505,000 (26.3%) $892,425 (34.1%) 0.00 90
    2022-05-01 $536,200 (26.2%) $810,001 (18.4%) 0.00 131
    2022-06-01 $592,450 (32.8%) $829,647 (19.1%) 0.00 172
    2022-07-01 $550,000 (22.3%) $986,809 (43.2%) 0.00 215
    2022-08-01 $563,675 (27.4%) $978,897 (38.3%) 0.00 209
    2022-09-01 $562,000 (26.4%) $1,034,757 (42.4%) 0.00 199
    2022-10-01 $529,950 (23.3%) $1,010,160 (39.8%) 0.00 209
    2022-11-01 $527,500 (22.8%) $997,324 (35.7%) 0.00 200
    2022-12-01 $524,950 (21.4%) $1,062,579 (26.8%) 0.00 151
    2023-01-01 $591,725 (36.1%) $1,256,400 (43.9%) 0.00 110
    2023-02-01 $599,450 (27.6%) $1,350,117 (42.7%) 0.00 112
    2023-03-01 $609,900 (27.1%) $1,298,291 (38.5%) 0.00 109
    2023-04-01 $609,000 (20.6%) $1,176,281 (31.8%) 0.00 111
    2023-05-01 $654,900 (22.1%) $1,184,164 (46.2%) 0.00 141
    2023-06-01 $612,450 (3.4%) $1,088,917 (31.3%) 0.00 149
    2023-07-01 $649,000 (18.0%) $1,039,646 (5.4%) 0.00 159
    2023-08-01 $596,200 (5.8%) $1,003,609 (2.5%) 0.00 181
    2023-09-01 $629,900 (12.1%) $1,037,642 (0.3%) 0.00 201
    2023-10-01 $585,950 (10.6%) $1,039,741 (2.9%) 0.00 211
    2023-11-01 $595,000 (12.8%) $1,070,604 (7.4%) 0.00 199
    2023-12-01 $544,950 (3.8%) $899,026 (-15.4%) 0.00 185
    2024-01-01 $566,800 (-4.2%) $897,174 (-28.6%) 0.00 144
    2024-02-01 $594,825 (-0.8%) $968,710 (-28.3%) 0.00 133
    2024-03-01 $624,950 (2.5%) $1,051,687 (-19.0%) 0.00 133
    2024-04-01 $628,725 (3.2%) $978,415 (-16.8%) 0.00 140
    2024-05-01 $649,925 (-0.8%) $992,329 (-16.2%) 0.00 189
    2024-06-01 $649,450 (6.0%) $925,688 (-15.0%) 0.00 238
    2024-07-01 $597,450 (-7.9%) $813,662 (-21.7%) 0.00 269
    2024-08-01 $599,900 (0.6%) $848,175 (-15.5%) 0.00 275
    2024-09-01 $630,750 (0.1%) $881,982 (-15.0%) 0.00 274
    2024-10-01 $636,250 (8.6%) $860,649 (-17.2%) 0.00 276
    2024-11-01 $642,400 (8.0%) $868,190 (-18.9%) 0.00 221
    2024-12-01 $625,000 (14.7%) $824,787 (-8.3%) 0.00 166
    2025-01-01 $632,450 (11.6%) $790,088 (-11.9%) 0.00 137
    2025-02-01 $612,500 (3.0%) $816,404 (-15.7%) 0.00 132
    2025-03-01 $625,000 (0.0%) $892,967 (-15.1%) 0.00 144
    2025-04-01 $637,500 (1.4%) $963,968 (-1.5%) 0.00 186
    Laconia's median listing price for 2025-04-01 was $637,500, a difference of $8,775 (1.4%) versus the prior year and $12,500 versus the prior month.

    Laconia's median listing price comes in at 0% of the national average.

    Laconia's average listing price for 2025-04-01 was $963,968, a difference of $-14,447 (-1.5%) versus the prior year and $71,001 versus the prior month.

    For the 2025-04-01 period, Laconia had 186 MLS listings, a difference of 42 listings (29%) versus the prior month and 46 listings (33%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Laconia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,903 sqft
    2018-02-01 0 days 1,908 sqft
    2018-03-01 0 days 1,850 sqft
    2018-04-01 0 days 1,831 sqft
    2018-05-01 0 days 1,850 sqft
    2018-06-01 0 days 1,916 sqft
    2018-07-01 0 days 1,933 sqft
    2018-08-01 0 days 1,934 sqft
    2018-09-01 0 days 1,906 sqft
    2018-10-01 0 days 1,860 sqft
    2018-11-01 0 days 1,842 sqft
    2018-12-01 0 days 1,849 sqft
    2019-01-01 0 days 1,803 sqft
    2019-02-01 0 days 1,836 sqft
    2019-03-01 0 days 1,803 sqft
    2019-04-01 0 days 1,802 sqft
    2019-05-01 0 days 1,917 sqft
    2019-06-01 0 days 1,916 sqft
    2019-07-01 0 days 1,858 sqft
    2019-08-01 0 days 1,897 sqft
    2019-09-01 0 days 1,915 sqft
    2019-10-01 0 days 1,926 sqft
    2019-11-01 0 days 1,872 sqft
    2019-12-01 0 days 1,862 sqft
    2020-01-01 0 days 1,824 sqft
    2020-02-01 0 days 1,807 sqft
    2020-03-01 0 days 1,780 sqft
    2020-04-01 0 days 1,790 sqft
    2020-05-01 0 days 1,784 sqft
    2020-06-01 0 days 1,854 sqft
    2020-07-01 0 days 1,993 sqft
    2020-08-01 0 days 1,912 sqft
    2020-09-01 0 days 1,853 sqft
    2020-10-01 0 days 1,863 sqft
    2020-11-01 0 days 1,800 sqft
    2020-12-01 0 days 1,660 sqft
    2021-01-01 0 days 1,534 sqft
    2021-02-01 0 days 1,633 sqft
    2021-03-01 0 days 1,860 sqft
    2021-04-01 0 days 1,879 sqft
    2021-05-01 0 days 1,814 sqft
    2021-06-01 0 days 1,868 sqft
    2021-07-01 0 days 1,952 sqft
    2021-08-01 0 days 1,958 sqft
    2021-09-01 0 days 1,845 sqft
    2021-10-01 0 days 1,836 sqft
    2021-11-01 0 days 1,784 sqft
    2021-12-01 0 days 1,837 sqft
    2022-01-01 0 days 1,800 sqft
    2022-02-01 0 days 1,919 sqft
    2022-03-01 0 days 1,905 sqft
    2022-04-01 0 days 1,873 sqft
    2022-05-01 0 days 1,772 sqft
    2022-06-01 0 days 1,877 sqft
    2022-07-01 0 days 1,825 sqft
    2022-08-01 0 days 1,855 sqft
    2022-09-01 0 days 1,846 sqft
    2022-10-01 0 days 1,920 sqft
    2022-11-01 0 days 1,910 sqft
    2022-12-01 0 days 1,860 sqft
    2023-01-01 0 days 1,990 sqft
    2023-02-01 0 days 1,959 sqft
    2023-03-01 0 days 2,010 sqft
    2023-04-01 0 days 1,977 sqft
    2023-05-01 0 days 1,921 sqft
    2023-06-01 0 days 1,902 sqft
    2023-07-01 0 days 1,902 sqft
    2023-08-01 0 days 1,818 sqft
    2023-09-01 0 days 2,000 sqft
    2023-10-01 0 days 1,981 sqft
    2023-11-01 0 days 1,901 sqft
    2023-12-01 0 days 1,811 sqft
    2024-01-01 0 days 1,864 sqft
    2024-02-01 0 days 1,966 sqft
    2024-03-01 0 days 2,000 sqft
    2024-04-01 0 days 1,974 sqft
    2024-05-01 0 days 1,892 sqft
    2024-06-01 0 days 1,848 sqft
    2024-07-01 0 days 1,788 sqft
    2024-08-01 0 days 1,714 sqft
    2024-09-01 0 days 1,733 sqft
    2024-10-01 0 days 1,731 sqft
    2024-11-01 0 days 1,735 sqft
    2024-12-01 0 days 1,733 sqft
    2025-01-01 0 days 1,714 sqft
    2025-02-01 0 days 1,726 sqft
    2025-03-01 0 days 1,697 sqft
    2025-04-01 0 days 1,763 sqft
    Laconia's median listing age (time on market) for 2025-04-01 was 0 days.

    Laconia's median square footage for active listings during the 2025-04-01 period was 1,763 sqft. One year prior, the average listing was 1,974 sqft.