Las Vegas USDA Loan Rates, Closing Costs & Stats
LAS VEGAS-HENDERSON-PARADISE, NV
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.
Las Vegas's 4 lenders originated 5 USDA loans during 2024. The total origination value was $1,245,000, with an average USDA loan value of $249,000.
Las Vegas USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Las Vegas
averaged
6.29%
for the week of 2025-07-11, compared to the national average (all USDA variants) of
6.449% for the same period.
Las Vegas's average USDA mortgage closing costs are $6,738.
The average rate for the prior week (2025-07-04) was
6.4% and
one month ago for the week of 2025-06-06, the
average rate was 6.5%.
The average rate one year ago was 6.48%.
For refis of the same type during the week of 2025-07-11, the average rate
was 6.31%.
Las Vegas 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 Las Vegas level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 2 | 6.81% | $8,764 |
| CMG MORTGAGE, INC. | 1 | 5.63% | $20,756 |
| MOUNTAIN AMERICA | 1 | 5.75% | $7,109 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 6.25% | $8,794 |
The top Las Vegas USDA lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with
2 USDA loans originated. Their average total fees are
$8,764, which is $11,993
lower than the next largest lender,
CMG MORTGAGE, INC..
The lowest fee Las Vegas USDA lenders (with over 10 loans originated) are
.
The lowest rate Las Vegas USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Las Vegas (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 | $341,998 (18.1%) | $573,839 (26.5%) | 1.27 | 4,527 |
| 2018-02-01 | $340,744 (14.2%) | $562,994 (20.2%) | 1.24 | 4,571 |
| 2018-03-01 | $349,000 (15.4%) | $571,540 (19.7%) | 1.22 | 4,633 |
| 2018-04-01 | $350,000 (11.1%) | $573,086 (17.7%) | 1.19 | 4,835 |
| 2018-05-01 | $352,500 (10.2%) | $574,468 (15.2%) | 1.18 | 4,984 |
| 2018-06-01 | $359,888 (10.8%) | $582,083 (15.1%) | 1.20 | 5,263 |
| 2018-07-01 | $349,450 (7.7%) | $537,160 (6.5%) | 1.17 | 5,505 |
| 2018-08-01 | $339,450 (6.1%) | $507,110 (-0.1%) | 1.14 | 6,292 |
| 2018-09-01 | $330,000 (3.1%) | $492,921 (-3.4%) | 1.11 | 7,171 |
| 2018-10-01 | $324,999 (1.6%) | $480,720 (-6.5%) | 1.10 | 8,100 |
| 2018-11-01 | $320,000 (-0.3%) | $478,010 (-7.7%) | 1.08 | 8,622 |
| 2018-12-01 | $320,000 (-1.5%) | $478,572 (-9.7%) | 1.10 | 8,450 |
| 2019-01-01 | $314,950 (-7.9%) | $467,540 (-18.5%) | 1.09 | 8,621 |
| 2019-02-01 | $310,750 (-8.8%) | $462,296 (-17.9%) | 1.05 | 9,084 |
| 2019-03-01 | $312,571 (-10.4%) | $465,482 (-18.6%) | 1.02 | 9,150 |
| 2019-04-01 | $316,500 (-9.6%) | $468,810 (-18.2%) | 1.00 | 9,264 |
| 2019-05-01 | $320,000 (-9.2%) | $473,550 (-17.6%) | 1.00 | 9,901 |
| 2019-06-01 | $324,900 (-9.7%) | $479,878 (-17.6%) | 1.02 | 9,934 |
| 2019-07-01 | $325,000 (-7.0%) | $485,079 (-9.7%) | 1.02 | 9,849 |
| 2019-08-01 | $323,636 (-4.7%) | $485,264 (-4.3%) | 1.02 | 9,648 |
| 2019-09-01 | $321,590 (-2.6%) | $483,820 (-1.9%) | 1.03 | 9,491 |
| 2019-10-01 | $320,000 (-1.5%) | $482,920 (0.5%) | 1.03 | 9,360 |
| 2019-11-01 | $319,900 (0.0%) | $481,722 (0.8%) | 1.05 | 9,838 |
| 2019-12-01 | $319,700 (-0.1%) | $483,064 (0.9%) | 1.07 | 8,899 |
| 2020-01-01 | $320,000 (1.6%) | $495,064 (5.9%) | 1.07 | 8,108 |
| 2020-02-01 | $328,000 (5.6%) | $505,910 (9.4%) | 1.07 | 7,584 |
| 2020-03-01 | $337,000 (7.8%) | $518,817 (11.5%) | 1.06 | 7,455 |
| 2020-04-01 | $329,850 (4.2%) | $496,836 (6.0%) | 1.03 | 8,674 |
| 2020-05-01 | $329,900 (3.1%) | $494,180 (4.4%) | 1.00 | 9,148 |
| 2020-06-01 | $337,000 (3.7%) | $502,082 (4.6%) | 0.99 | 8,937 |
| 2020-07-01 | $340,583 (4.8%) | $514,746 (6.1%) | 0.99 | 8,446 |
| 2020-08-01 | $345,000 (6.6%) | $523,693 (7.9%) | 0.99 | 8,546 |
| 2020-09-01 | $345,225 (7.4%) | $526,216 (8.8%) | 0.99 | 8,732 |
| 2020-10-01 | $349,000 (9.1%) | $528,633 (9.5%) | 1.00 | 8,548 |
| 2020-11-01 | $345,000 (7.9%) | $536,942 (11.5%) | 1.01 | 8,165 |
| 2020-12-01 | $342,980 (7.3%) | $542,704 (12.4%) | 1.02 | 7,305 |
| 2021-01-01 | $342,995 (7.2%) | $550,966 (11.3%) | 1.02 | 6,219 |
| 2021-02-01 | $342,500 (4.4%) | $568,280 (12.3%) | 1.00 | 5,459 |
| 2021-03-01 | $357,450 (6.1%) | $623,408 (20.2%) | 1.01 | 4,538 |
| 2021-04-01 | $372,500 (12.9%) | $665,103 (33.9%) | 1.01 | 4,367 |
| 2021-05-01 | $390,000 (18.2%) | $666,506 (34.9%) | 1.04 | 4,409 |
| 2021-06-01 | $399,950 (18.7%) | $674,612 (34.4%) | 1.05 | 4,700 |
| 2021-07-01 | $412,000 (21.0%) | $673,768 (30.9%) | 1.09 | 5,255 |
| 2021-08-01 | $422,450 (22.5%) | $668,219 (27.6%) | 1.13 | 5,629 |
| 2021-09-01 | $430,000 (24.6%) | $667,105 (26.8%) | 1.15 | 5,886 |
| 2021-10-01 | $439,900 (26.1%) | $671,729 (27.1%) | 1.17 | 5,901 |
| 2021-11-01 | $449,450 (30.3%) | $681,625 (27.0%) | 1.20 | 5,487 |
| 2021-12-01 | $450,000 (31.2%) | $697,375 (28.5%) | 1.22 | 4,595 |
| 2022-01-01 | $465,000 (35.6%) | $742,498 (34.8%) | 1.26 | 3,875 |
| 2022-02-01 | $475,000 (38.7%) | $771,958 (35.8%) | 1.24 | 3,709 |
| 2022-03-01 | $482,500 (35.0%) | $781,471 (25.4%) | 1.21 | 3,790 |
| 2022-04-01 | $495,000 (32.9%) | $779,800 (17.2%) | 1.18 | 4,207 |
| 2022-05-01 | $499,900 (28.2%) | $763,007 (14.5%) | 1.14 | 5,185 |
| 2022-06-01 | $499,450 (24.9%) | $738,164 (9.4%) | 1.11 | 6,764 |
| 2022-07-01 | $484,990 (17.7%) | $681,140 (1.1%) | 1.09 | 9,323 |
| 2022-08-01 | $469,950 (11.2%) | $651,884 (-2.4%) | 1.09 | 10,730 |
| 2022-09-01 | $460,000 (7.0%) | $637,100 (-4.5%) | 1.08 | 11,152 |
| 2022-10-01 | $450,000 (2.3%) | $637,532 (-5.1%) | 1.06 | 11,150 |
| 2022-11-01 | $448,900 (-0.1%) | $647,712 (-5.0%) | 1.08 | 10,585 |
| 2022-12-01 | $442,900 (-1.6%) | $651,287 (-6.6%) | 1.09 | 9,503 |
| 2023-01-01 | $440,000 (-5.4%) | $651,837 (-12.2%) | 1.09 | 8,406 |
| 2023-02-01 | $445,462 (-6.2%) | $678,296 (-12.1%) | 1.08 | 7,636 |
| 2023-03-01 | $450,000 (-6.7%) | $698,259 (-10.7%) | 1.06 | 7,053 |
| 2023-04-01 | $460,000 (-7.1%) | $723,552 (-7.2%) | 1.07 | 6,537 |
| 2023-05-01 | $450,000 (-10.0%) | $699,662 (-8.3%) | 1.02 | 8,169 |
| 2023-06-01 | $455,000 (-8.9%) | $702,191 (-4.9%) | 1.02 | 7,833 |
| 2023-07-01 | $459,900 (-5.2%) | $719,644 (5.7%) | 1.05 | 7,554 |
| 2023-08-01 | $456,848 (-2.8%) | $719,333 (10.4%) | 1.05 | 7,475 |
| 2023-09-01 | $482,123 (4.8%) | $783,419 (23.0%) | 1.12 | 5,012 |
| 2023-10-01 | $475,000 (5.6%) | $777,761 (22.0%) | 1.12 | 5,196 |
| 2023-11-01 | $462,500 (3.0%) | $781,032 (20.6%) | 1.10 | 5,399 |
| 2023-12-01 | $459,900 (3.8%) | $785,602 (20.6%) | 1.12 | 5,202 |
| 2024-01-01 | $460,000 (4.6%) | $792,161 (21.5%) | 1.12 | 4,804 |
| 2024-02-01 | $464,900 (4.4%) | $812,274 (19.8%) | 1.12 | 4,632 |
| 2024-03-01 | $470,000 (4.4%) | $818,084 (17.2%) | 1.11 | 4,720 |
| 2024-04-01 | $474,923 (3.2%) | $834,707 (15.4%) | 1.10 | 5,341 |
| 2024-05-01 | $477,000 (6.0%) | $833,655 (19.2%) | 1.09 | 5,518 |
| 2024-06-01 | $484,999 (6.6%) | $830,898 (18.3%) | 1.10 | 5,521 |
| 2024-07-01 | $479,950 (4.4%) | $820,232 (14.0%) | 1.10 | 6,009 |
| 2024-08-01 | $480,000 (5.1%) | $791,451 (10.0%) | 1.12 | 6,811 |
| 2024-09-01 | $477,250 (-1.0%) | $786,099 (0.3%) | 1.12 | 7,381 |
| 2024-10-01 | $475,000 (0.0%) | $777,930 (0.0%) | 1.12 | 7,759 |
| 2024-11-01 | $470,000 (1.6%) | $766,112 (-1.9%) | 1.13 | 7,920 |
| 2024-12-01 | $468,450 (1.9%) | $770,322 (-2.0%) | 1.16 | 7,362 |
| 2025-01-01 | $467,500 (1.6%) | $769,449 (-2.9%) | 1.17 | 7,177 |
| 2025-02-01 | $469,974 (1.1%) | $776,946 (-4.4%) | 1.14 | 7,447 |
| 2025-03-01 | $469,945 (0.0%) | $779,642 (-4.7%) | 1.11 | 7,922 |
| 2025-04-01 | $475,000 (0.0%) | $774,313 (-7.2%) | 1.10 | 8,581 |
| 2025-05-01 | $484,999 (1.7%) | $775,191 (-7.0%) | 1.10 | 9,202 |
| 2025-06-01 | $479,988 (-1.0%) | $756,987 (-8.9%) | 1.09 | 9,807 |
Las Vegas's median listing price comes in at 109% of the national average.
Las Vegas's average listing price for 2025-06-01 was $756,987, a difference of $-73,911 (-8.9%) versus the prior year and $-18,204 versus the prior month.
For the 2025-06-01 period, Las Vegas had 9,807 MLS listings, a difference of 605 listings (7%) versus the prior month and 4,286 listings (78%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Las Vegas (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 56 days | 2,080 sqft |
| 2018-02-01 | 39 days | 2,046 sqft |
| 2018-03-01 | 35 days | 2,095 sqft |
| 2018-04-01 | 35 days | 2,073 sqft |
| 2018-05-01 | 34 days | 2,067 sqft |
| 2018-06-01 | 36 days | 2,093 sqft |
| 2018-07-01 | 34 days | 2,018 sqft |
| 2018-08-01 | 32 days | 1,952 sqft |
| 2018-09-01 | 35 days | 1,915 sqft |
| 2018-10-01 | 37 days | 1,880 sqft |
| 2018-11-01 | 42 days | 1,864 sqft |
| 2018-12-01 | 53 days | 1,849 sqft |
| 2019-01-01 | 58 days | 1,823 sqft |
| 2019-02-01 | 47 days | 1,815 sqft |
| 2019-03-01 | 42 days | 1,825 sqft |
| 2019-04-01 | 40 days | 1,837 sqft |
| 2019-05-01 | 41 days | 1,855 sqft |
| 2019-06-01 | 43 days | 1,871 sqft |
| 2019-07-01 | 46 days | 1,868 sqft |
| 2019-08-01 | 47 days | 1,863 sqft |
| 2019-09-01 | 47 days | 1,847 sqft |
| 2019-10-01 | 48 days | 1,832 sqft |
| 2019-11-01 | 54 days | 1,830 sqft |
| 2019-12-01 | 63 days | 1,811 sqft |
| 2020-01-01 | 67 days | 1,815 sqft |
| 2020-02-01 | 46 days | 1,836 sqft |
| 2020-03-01 | 40 days | 1,853 sqft |
| 2020-04-01 | 45 days | 1,830 sqft |
| 2020-05-01 | 57 days | 1,836 sqft |
| 2020-06-01 | 54 days | 1,847 sqft |
| 2020-07-01 | 50 days | 1,845 sqft |
| 2020-08-01 | 42 days | 1,840 sqft |
| 2020-09-01 | 41 days | 1,840 sqft |
| 2020-10-01 | 44 days | 1,834 sqft |
| 2020-11-01 | 47 days | 1,828 sqft |
| 2020-12-01 | 52 days | 1,792 sqft |
| 2021-01-01 | 53 days | 1,766 sqft |
| 2021-02-01 | 38 days | 1,716 sqft |
| 2021-03-01 | 31 days | 1,731 sqft |
| 2021-04-01 | 27 days | 1,778 sqft |
| 2021-05-01 | 24 days | 1,802 sqft |
| 2021-06-01 | 25 days | 1,814 sqft |
| 2021-07-01 | 26 days | 1,837 sqft |
| 2021-08-01 | 28 days | 1,863 sqft |
| 2021-09-01 | 30 days | 1,876 sqft |
| 2021-10-01 | 32 days | 1,893 sqft |
| 2021-11-01 | 35 days | 1,910 sqft |
| 2021-12-01 | 40 days | 1,918 sqft |
| 2022-01-01 | 39 days | 1,922 sqft |
| 2022-02-01 | 26 days | 1,889 sqft |
| 2022-03-01 | 23 days | 1,895 sqft |
| 2022-04-01 | 23 days | 1,882 sqft |
| 2022-05-01 | 23 days | 1,881 sqft |
| 2022-06-01 | 26 days | 1,866 sqft |
| 2022-07-01 | 30 days | 1,836 sqft |
| 2022-08-01 | 39 days | 1,830 sqft |
| 2022-09-01 | 47 days | 1,826 sqft |
| 2022-10-01 | 54 days | 1,826 sqft |
| 2022-11-01 | 62 days | 1,819 sqft |
| 2022-12-01 | 73 days | 1,817 sqft |
| 2023-01-01 | 78 days | 1,822 sqft |
| 2023-02-01 | 65 days | 1,836 sqft |
| 2023-03-01 | 53 days | 1,843 sqft |
| 2023-04-01 | 49 days | 1,876 sqft |
| 2023-05-01 | 46 days | 1,867 sqft |
| 2023-06-01 | 45 days | 1,870 sqft |
| 2023-07-01 | 45 days | 1,867 sqft |
| 2023-08-01 | 43 days | 1,845 sqft |
| 2023-09-01 | 43 days | 1,904 sqft |
| 2023-10-01 | 44 days | 1,881 sqft |
| 2023-11-01 | 46 days | 1,850 sqft |
| 2023-12-01 | 54 days | 1,840 sqft |
| 2024-01-01 | 59 days | 1,820 sqft |
| 2024-02-01 | 40 days | 1,821 sqft |
| 2024-03-01 | 38 days | 1,824 sqft |
| 2024-04-01 | 39 days | 1,808 sqft |
| 2024-05-01 | 39 days | 1,802 sqft |
| 2024-06-01 | 39 days | 1,817 sqft |
| 2024-07-01 | 40 days | 1,818 sqft |
| 2024-08-01 | 42 days | 1,826 sqft |
| 2024-09-01 | 44 days | 1,810 sqft |
| 2024-10-01 | 49 days | 1,795 sqft |
| 2024-11-01 | 55 days | 1,780 sqft |
| 2024-12-01 | 63 days | 1,754 sqft |
| 2025-01-01 | 62 days | 1,749 sqft |
| 2025-02-01 | 47 days | 1,754 sqft |
| 2025-03-01 | 44 days | 1,750 sqft |
| 2025-04-01 | 44 days | 1,758 sqft |
| 2025-05-01 | 46 days | 1,790 sqft |
| 2025-06-01 | 50 days | 1,794 sqft |
Las Vegas's median square footage for active listings during the 2025-06-01 period was 1,794 sqft. One year prior, the average listing was 1,817 sqft.