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%.

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
Laramie's median listing price for 2024-10-01 was $413,291, a difference of $-23,209 (-5.3%) versus the prior year and $-5,209 versus the prior month.

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

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.