Laramie USDA Loan Rates, Closing Costs & Stats
Laramie, WY
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.
Laramie's 0 lenders originated 1 USDA loans during 2023. The total origination value was $385,000, with an average USDA loan value of $385,000.
Laramie USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Laramie
averaged
-0.46%
for the week of 2024-11-29, compared to the national average (all USDA variants) of
0% for the same period.
Laramie's average USDA mortgage closing costs are $5,729.
The average rate for the prior week (2024-11-22) was
6.24% and
one month ago for the week of 2024-10-25, the
average rate was 6.14%.
The average rate one year ago was 6.84%.
For refis of the same type during the week of 2024-11-29, the average rate
was -0.2%.
Laramie 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 Laramie level.
Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
---|
The lowest fee Laramie USDA lenders (with over 10 loans originated) are
.
The lowest rate Laramie USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Laramie (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $252,450 (-11.5%) | $305,178 (-6.0%) | 0.00 | 113 |
2018-02-01 | $250,125 (-12.3%) | $314,370 (-4.7%) | 0.00 | 109 |
2018-03-01 | $282,900 (-0.7%) | $349,526 (7.5%) | 0.00 | 106 |
2018-04-01 | $283,425 (-4.6%) | $359,234 (8.0%) | 0.00 | 111 |
2018-05-01 | $287,450 (-11.4%) | $366,480 (5.5%) | 0.00 | 106 |
2018-06-01 | $280,000 (-5.5%) | $356,804 (7.8%) | 0.00 | 104 |
2018-07-01 | $286,700 (-4.3%) | $370,573 (11.3%) | 0.00 | 102 |
2018-08-01 | $275,975 (-0.1%) | $352,758 (10.7%) | 0.00 | 118 |
2018-09-01 | $270,000 (0.4%) | $336,980 (6.8%) | 0.00 | 134 |
2018-10-01 | $272,000 (2.7%) | $338,906 (6.4%) | 0.00 | 115 |
2018-11-01 | $264,125 (-1.8%) | $346,470 (7.0%) | 0.00 | 106 |
2018-12-01 | $258,250 (-2.4%) | $355,226 (10.6%) | 0.00 | 90 |
2019-01-01 | $252,225 (-0.1%) | $350,075 (14.7%) | 0.00 | 68 |
2019-02-01 | $290,243 (16.0%) | $381,162 (21.3%) | 0.00 | 63 |
2019-03-01 | $298,577 (5.5%) | $386,628 (10.6%) | 0.00 | 67 |
2019-04-01 | $299,900 (5.8%) | $385,860 (7.4%) | 0.00 | 79 |
2019-05-01 | $311,191 (8.3%) | $383,244 (4.6%) | 0.00 | 82 |
2019-06-01 | $315,000 (12.5%) | $379,513 (6.4%) | 0.00 | 88 |
2019-07-01 | $291,199 (1.6%) | $335,190 (-9.6%) | 0.00 | 112 |
2019-08-01 | $293,430 (6.3%) | $337,067 (-4.5%) | 0.00 | 104 |
2019-09-01 | $294,899 (9.2%) | $340,188 (1.0%) | 0.00 | 91 |
2019-10-01 | $296,043 (8.8%) | $347,282 (2.5%) | 0.00 | 80 |
2019-11-01 | $288,950 (9.4%) | $352,558 (1.8%) | 0.00 | 73 |
2019-12-01 | $282,000 (9.2%) | $349,550 (-1.6%) | 0.00 | 68 |
2020-01-01 | $286,500 (13.6%) | $355,910 (1.7%) | 0.00 | 64 |
2020-02-01 | $315,000 (8.5%) | $378,492 (-0.7%) | 0.00 | 59 |
2020-03-01 | $296,975 (-0.5%) | $407,051 (5.3%) | 0.00 | 58 |
2020-04-01 | $326,125 (8.7%) | $403,928 (4.7%) | 0.00 | 65 |
2020-05-01 | $340,000 (9.3%) | $435,587 (13.7%) | 0.00 | 70 |
2020-06-01 | $361,250 (14.7%) | $455,961 (20.1%) | 0.00 | 73 |
2020-07-01 | $376,768 (29.4%) | $469,789 (40.2%) | 0.00 | 70 |
2020-08-01 | $399,900 (36.3%) | $500,875 (48.6%) | 0.00 | 65 |
2020-09-01 | $355,475 (20.5%) | $450,997 (32.6%) | 0.00 | 64 |
2020-10-01 | $354,000 (19.6%) | $454,501 (30.9%) | 0.00 | 55 |
2020-11-01 | $372,450 (28.9%) | $489,238 (38.8%) | 0.00 | 44 |
2020-12-01 | $387,450 (37.4%) | $521,793 (49.3%) | 0.00 | 35 |
2021-01-01 | $399,900 (39.6%) | $517,996 (45.5%) | 0.00 | 26 |
2021-02-01 | $310,000 (-1.6%) | $472,092 (24.7%) | 0.00 | 30 |
2021-03-01 | $351,725 (18.4%) | $509,619 (25.2%) | 0.00 | 28 |
2021-04-01 | $373,325 (14.5%) | $520,706 (28.9%) | 0.00 | 27 |
2021-05-01 | $347,000 (2.1%) | $557,157 (27.9%) | 0.00 | 31 |
2021-06-01 | $427,500 (18.3%) | $654,708 (43.6%) | 0.00 | 33 |
2021-07-01 | $399,900 (6.1%) | $579,935 (23.5%) | 0.00 | 50 |
2021-08-01 | $424,000 (6.0%) | $589,989 (17.8%) | 0.00 | 49 |
2021-09-01 | $389,675 (9.6%) | $509,461 (13.0%) | 0.00 | 55 |
2021-10-01 | $374,750 (5.9%) | $505,583 (11.2%) | 0.00 | 45 |
2021-11-01 | $420,000 (12.8%) | $503,800 (3.0%) | 0.00 | 38 |
2021-12-01 | $420,000 (8.4%) | $515,612 (-1.2%) | 0.00 | 31 |
2022-01-01 | $369,000 (-7.7%) | $536,632 (3.6%) | 0.00 | 27 |
2022-02-01 | $480,975 (55.2%) | $1,150,031 (143.6%) | 0.00 | 22 |
2022-03-01 | $509,750 (44.9%) | $1,166,138 (128.8%) | 0.00 | 23 |
2022-04-01 | $485,000 (29.9%) | $1,093,541 (110.0%) | 0.00 | 29 |
2022-05-01 | $498,250 (43.6%) | $999,395 (79.4%) | 0.00 | 36 |
2022-06-01 | $451,950 (5.7%) | $741,940 (13.3%) | 0.00 | 37 |
2022-07-01 | $425,000 (6.3%) | $695,653 (20.0%) | 0.00 | 58 |
2022-08-01 | $444,450 (4.8%) | $640,536 (8.6%) | 0.00 | 55 |
2022-09-01 | $426,000 (9.3%) | $622,649 (22.2%) | 0.00 | 55 |
2022-10-01 | $422,500 (12.7%) | $641,921 (27.0%) | 0.00 | 63 |
2022-11-01 | $414,750 (-1.3%) | $577,161 (14.6%) | 0.00 | 62 |
2022-12-01 | $397,450 (-5.4%) | $555,025 (7.6%) | 0.00 | 57 |
2023-01-01 | $391,000 (6.0%) | $594,802 (10.8%) | 0.00 | 45 |
2023-02-01 | $395,000 (-17.9%) | $595,638 (-48.2%) | 0.00 | 52 |
2023-03-01 | $439,925 (-13.7%) | $631,604 (-45.8%) | 0.00 | 45 |
2023-04-01 | $550,000 (13.4%) | $669,421 (-38.8%) | 0.00 | 38 |
2023-05-01 | $576,250 (15.7%) | $656,245 (-34.3%) | 0.00 | 43 |
2023-06-01 | $519,250 (14.9%) | $652,707 (-12.0%) | 0.00 | 45 |
2023-07-01 | $422,500 (-0.6%) | $618,280 (-11.1%) | 0.00 | 60 |
2023-08-01 | $428,000 (-3.7%) | $599,038 (-6.5%) | 0.00 | 57 |
2023-09-01 | $399,950 (-6.1%) | $583,943 (-6.2%) | 0.00 | 53 |
2023-10-01 | $436,500 (3.3%) | $600,576 (-6.4%) | 0.00 | 55 |
2023-11-01 | $438,250 (5.7%) | $635,791 (10.2%) | 0.00 | 50 |
2023-12-01 | $442,500 (11.3%) | $658,857 (18.7%) | 0.00 | 41 |
2024-01-01 | $460,000 (17.7%) | $696,089 (17.0%) | 0.00 | 33 |
2024-02-01 | $463,000 (17.2%) | $653,077 (9.6%) | 0.00 | 33 |
2024-03-01 | $455,000 (3.4%) | $549,088 (-13.1%) | 0.00 | 40 |
2024-04-01 | $460,000 (-16.4%) | $555,157 (-17.1%) | 0.00 | 39 |
2024-05-01 | $505,750 (-12.2%) | $575,572 (-12.3%) | 0.00 | 55 |
2024-06-01 | $543,500 (4.7%) | $611,580 (-6.3%) | 0.00 | 58 |
2024-07-01 | $468,250 (10.8%) | $609,258 (-1.5%) | 0.00 | 69 |
2024-08-01 | $448,000 (4.7%) | $582,395 (-2.8%) | 0.00 | 78 |
2024-09-01 | $418,500 (4.6%) | $554,868 (-5.0%) | 0.00 | 91 |
2024-10-01 | $413,291 (-5.3%) | $553,104 (-7.9%) | 0.00 | 87 |
Laramie's median listing price comes in at 0% of the national average.
Laramie's average listing price for 2024-10-01 was $553,104, a difference of $-47,472 (-7.9%) versus the prior year and $-1,764 versus the prior month.
For the 2024-10-01 period, Laramie had 87 MLS listings, a difference of -4 listings (-4%) versus the prior month and 32 listings (58%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Laramie (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,975 sqft |
2018-02-01 | 0 days | 1,996 sqft |
2018-03-01 | 0 days | 2,136 sqft |
2018-04-01 | 0 days | 2,142 sqft |
2018-05-01 | 0 days | 2,253 sqft |
2018-06-01 | 0 days | 2,130 sqft |
2018-07-01 | 0 days | 2,133 sqft |
2018-08-01 | 0 days | 2,023 sqft |
2018-09-01 | 0 days | 1,986 sqft |
2018-10-01 | 0 days | 2,072 sqft |
2018-11-01 | 0 days | 2,036 sqft |
2018-12-01 | 0 days | 2,015 sqft |
2019-01-01 | 0 days | 2,121 sqft |
2019-02-01 | 0 days | 2,544 sqft |
2019-03-01 | 0 days | 2,544 sqft |
2019-04-01 | 0 days | 2,572 sqft |
2019-05-01 | 0 days | 2,565 sqft |
2019-06-01 | 0 days | 2,452 sqft |
2019-07-01 | 0 days | 2,060 sqft |
2019-08-01 | 0 days | 2,096 sqft |
2019-09-01 | 0 days | 2,117 sqft |
2019-10-01 | 0 days | 2,131 sqft |
2019-11-01 | 0 days | 2,264 sqft |
2019-12-01 | 0 days | 2,242 sqft |
2020-01-01 | 0 days | 2,220 sqft |
2020-02-01 | 0 days | 2,387 sqft |
2020-03-01 | 0 days | 2,471 sqft |
2020-04-01 | 0 days | 2,127 sqft |
2020-05-01 | 0 days | 2,478 sqft |
2020-06-01 | 0 days | 2,719 sqft |
2020-07-01 | 0 days | 2,743 sqft |
2020-08-01 | 0 days | 2,737 sqft |
2020-09-01 | 0 days | 2,378 sqft |
2020-10-01 | 0 days | 2,258 sqft |
2020-11-01 | 0 days | 2,419 sqft |
2020-12-01 | 0 days | 2,821 sqft |
2021-01-01 | 0 days | 2,555 sqft |
2021-02-01 | 0 days | 2,160 sqft |
2021-03-01 | 0 days | 2,503 sqft |
2021-04-01 | 0 days | 2,607 sqft |
2021-05-01 | 0 days | 2,420 sqft |
2021-06-01 | 0 days | 2,823 sqft |
2021-07-01 | 0 days | 2,480 sqft |
2021-08-01 | 0 days | 2,624 sqft |
2021-09-01 | 0 days | 2,642 sqft |
2021-10-01 | 0 days | 2,152 sqft |
2021-11-01 | 0 days | 1,992 sqft |
2021-12-01 | 0 days | 2,118 sqft |
2022-01-01 | 0 days | 2,678 sqft |
2022-02-01 | 0 days | 2,678 sqft |
2022-03-01 | 0 days | 2,596 sqft |
2022-04-01 | 0 days | 2,598 sqft |
2022-05-01 | 0 days | 2,673 sqft |
2022-06-01 | 0 days | 2,506 sqft |
2022-07-01 | 0 days | 2,046 sqft |
2022-08-01 | 0 days | 2,419 sqft |
2022-09-01 | 0 days | 2,353 sqft |
2022-10-01 | 0 days | 2,246 sqft |
2022-11-01 | 0 days | 2,348 sqft |
2022-12-01 | 0 days | 2,372 sqft |
2023-01-01 | 0 days | 2,369 sqft |
2023-02-01 | 0 days | 2,423 sqft |
2023-03-01 | 0 days | 2,678 sqft |
2023-04-01 | 0 days | 2,580 sqft |
2023-05-01 | 0 days | 2,465 sqft |
2023-06-01 | 0 days | 2,261 sqft |
2023-07-01 | 0 days | 2,300 sqft |
2023-08-01 | 0 days | 2,315 sqft |
2023-09-01 | 0 days | 2,351 sqft |
2023-10-01 | 0 days | 2,466 sqft |
2023-11-01 | 0 days | 2,413 sqft |
2023-12-01 | 0 days | 2,210 sqft |
2024-01-01 | 0 days | 2,354 sqft |
2024-02-01 | 0 days | 2,639 sqft |
2024-03-01 | 0 days | 2,448 sqft |
2024-04-01 | 0 days | 2,538 sqft |
2024-05-01 | 0 days | 2,524 sqft |
2024-06-01 | 0 days | 2,607 sqft |
2024-07-01 | 0 days | 2,231 sqft |
2024-08-01 | 0 days | 2,260 sqft |
2024-09-01 | 0 days | 2,183 sqft |
2024-10-01 | 0 days | 2,358 sqft |
Laramie's median square footage for active listings during the 2024-10-01 period was 2,358 sqft. One year prior, the average listing was 2,466 sqft.