Laramie USDA Loan Rates, Closing Costs & Stats

Laramie, WY

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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.

    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 5.94% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Laramie's average USDA mortgage closing costs are $5,729.

    The average rate for the prior week (2024-12-06) was 6.18% and one month ago for the week of 2024-11-08, the average rate was 6.19%.

    The average rate one year ago was 6.56%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.2%.

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

    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. Louis
    Date 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
    2024-11-01 $433,000 (-1.2%) $579,329 (-8.9%) 0.00 79
    Laramie's median listing price for 2024-11-01 was $433,000, a difference of $-5,250 (-1.2%) versus the prior year and $19,709 versus the prior month.

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

    Laramie's average listing price for 2024-11-01 was $579,329, a difference of $-56,462 (-8.9%) versus the prior year and $26,225 versus the prior month.

    For the 2024-11-01 period, Laramie had 79 MLS listings, a difference of -8 listings (-9%) versus the prior month and 29 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. Louis
    Date 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
    2024-11-01 0 days 2,388 sqft
    Laramie's median listing age (time on market) for 2024-11-01 was 0 days.

    Laramie's median square footage for active listings during the 2024-11-01 period was 2,388 sqft. One year prior, the average listing was 2,413 sqft.