Los Alamos USDA Loan Rates, Closing Costs & Stats
Los Alamos, NM
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.
Los Alamos's 1 lenders originated 1 USDA loans during 2023. The total origination value was $255,000, with an average USDA loan value of $255,000.
Los Alamos USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Los Alamos
averaged
-0.31%
for the week of 2024-11-15, compared to the national average (all USDA variants) of
0% for the same period.
Los Alamos's average USDA mortgage closing costs are $7,652.
The average rate for the prior week (2024-11-08) was
6.25% and
one month ago for the week of 2024-10-11, the
average rate was 6.01%.
The average rate one year ago was 7.14%.
For refis of the same type during the week of 2024-11-15, the average rate
was -0.1%.
Los Alamos 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 Los Alamos level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| Sunflower Bank | 1 | 5.88% | $6,222 |
The lowest fee Los Alamos USDA lenders (with over 10 loans originated) are
.
The lowest rate Los Alamos USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Los Alamos (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 | $426,000 (77.5%) | $494,592 (40.0%) | 0.00 | 22 |
| 2018-02-01 | $382,250 (30.1%) | $403,152 (3.3%) | 0.00 | 23 |
| 2018-03-01 | $399,500 (36.7%) | $406,050 (4.4%) | 0.00 | 20 |
| 2018-04-01 | $353,500 (6.3%) | $377,006 (-4.5%) | 0.00 | 23 |
| 2018-05-01 | $346,250 (-7.5%) | $391,745 (-10.4%) | 0.00 | 19 |
| 2018-06-01 | $340,000 (-21.4%) | $365,819 (-19.9%) | 0.00 | 25 |
| 2018-07-01 | $407,500 (1.9%) | $421,461 (1.0%) | 0.00 | 24 |
| 2018-08-01 | $398,422 (0.4%) | $435,790 (4.7%) | 0.00 | 26 |
| 2018-09-01 | $419,500 (15.7%) | $415,851 (4.6%) | 0.00 | 26 |
| 2018-10-01 | $399,000 (-0.1%) | $441,337 (7.2%) | 0.00 | 20 |
| 2018-11-01 | $387,625 (-13.3%) | $424,587 (-3.6%) | 0.00 | 15 |
| 2018-12-01 | $371,000 (-13.1%) | $394,990 (-11.7%) | 0.00 | 14 |
| 2019-01-01 | $380,000 (-10.8%) | $419,115 (-15.3%) | 0.00 | 10 |
| 2019-02-01 | $371,500 (-2.8%) | $398,380 (-1.2%) | 0.00 | 9 |
| 2019-03-01 | $442,143 (10.7%) | $439,330 (8.2%) | 0.00 | 7 |
| 2019-04-01 | $431,893 (22.2%) | $416,380 (10.4%) | 0.00 | 12 |
| 2019-05-01 | $378,375 (9.3%) | $387,717 (-1.0%) | 0.00 | 17 |
| 2019-06-01 | $389,000 (14.4%) | $410,627 (12.3%) | 0.00 | 22 |
| 2019-07-01 | $395,000 (-3.1%) | $425,212 (0.9%) | 0.00 | 19 |
| 2019-08-01 | $446,002 (11.9%) | $435,685 (0.0%) | 0.00 | 19 |
| 2019-09-01 | $440,004 (4.9%) | $418,815 (0.7%) | 0.00 | 19 |
| 2019-10-01 | $435,348 (9.1%) | $407,569 (-7.7%) | 0.00 | 20 |
| 2019-11-01 | $411,983 (6.3%) | $400,859 (-5.6%) | 0.00 | 12 |
| 2019-12-01 | $417,250 (12.5%) | $412,158 (4.4%) | 0.00 | 9 |
| 2020-01-01 | $371,000 (-2.4%) | $383,822 (-8.4%) | 0.00 | 10 |
| 2020-02-01 | $397,500 (7.0%) | $341,191 (-14.4%) | 0.00 | 8 |
| 2020-03-01 | $412,000 (-6.8%) | $398,731 (-9.2%) | 0.00 | 11 |
| 2020-04-01 | $397,000 (-8.1%) | $403,419 (-3.1%) | 0.00 | 16 |
| 2020-05-01 | $392,000 (3.6%) | $435,571 (12.3%) | 0.00 | 15 |
| 2020-06-01 | $448,250 (15.2%) | $474,401 (15.5%) | 0.00 | 25 |
| 2020-07-01 | $459,250 (16.3%) | $460,150 (8.2%) | 0.00 | 27 |
| 2020-08-01 | $445,000 (-0.2%) | $451,151 (3.6%) | 0.00 | 22 |
| 2020-09-01 | $541,000 (23.0%) | $488,333 (16.6%) | 0.00 | 29 |
| 2020-10-01 | $535,000 (22.9%) | $493,953 (21.2%) | 0.00 | 23 |
| 2020-11-01 | $524,060 (27.2%) | $489,733 (22.2%) | 0.00 | 23 |
| 2020-12-01 | $499,125 (19.6%) | $450,340 (9.3%) | 0.00 | 23 |
| 2021-01-01 | $487,000 (31.3%) | $461,097 (20.1%) | 0.00 | 17 |
| 2021-02-01 | $378,249 (-4.8%) | $407,392 (19.4%) | 0.00 | 11 |
| 2021-03-01 | $334,750 (-18.8%) | $346,938 (-13.0%) | 0.00 | 8 |
| 2021-04-01 | $411,500 (3.7%) | $416,134 (3.2%) | 0.00 | 7 |
| 2021-05-01 | $425,000 (8.4%) | $452,716 (3.9%) | 0.00 | 12 |
| 2021-06-01 | $476,500 (6.3%) | $460,413 (-3.0%) | 0.00 | 9 |
| 2021-07-01 | $427,000 (-7.0%) | $460,361 (0.1%) | 0.00 | 10 |
| 2021-08-01 | $492,000 (10.6%) | $510,076 (13.1%) | 0.00 | 10 |
| 2021-09-01 | $462,000 (-14.6%) | $498,041 (2.0%) | 0.00 | 10 |
| 2021-10-01 | $499,000 (-6.7%) | $590,072 (19.5%) | 0.00 | 11 |
| 2021-11-01 | $434,000 (-17.2%) | $472,249 (-3.6%) | 0.00 | 8 |
| 2021-12-01 | $382,000 (-23.5%) | $430,594 (-4.4%) | 0.00 | 8 |
| 2022-01-01 | $490,000 (0.6%) | $491,667 (6.6%) | 0.00 | 8 |
| 2022-02-01 | $437,500 (15.7%) | $464,774 (14.1%) | 0.00 | 5 |
| 2022-03-01 | $592,250 (76.9%) | $598,825 (72.6%) | 0.00 | 8 |
| 2022-04-01 | $572,500 (39.1%) | $601,188 (44.5%) | 0.00 | 12 |
| 2022-05-01 | $534,950 (25.9%) | $551,828 (21.9%) | 0.00 | 14 |
| 2022-06-01 | $495,750 (4.0%) | $529,409 (15.0%) | 0.00 | 15 |
| 2022-07-01 | $549,500 (28.7%) | $577,232 (25.4%) | 0.00 | 19 |
| 2022-08-01 | $538,500 (9.5%) | $587,771 (15.2%) | 0.00 | 22 |
| 2022-09-01 | $514,500 (11.4%) | $582,732 (17.0%) | 0.00 | 17 |
| 2022-10-01 | $657,000 (31.7%) | $627,800 (6.4%) | 0.00 | 14 |
| 2022-11-01 | $640,000 (47.5%) | $654,663 (38.6%) | 0.00 | 10 |
| 2022-12-01 | $700,000 (83.3%) | $692,735 (60.9%) | 0.00 | 9 |
| 2023-01-01 | $665,000 (35.7%) | $668,584 (36.0%) | 0.00 | 10 |
| 2023-02-01 | $706,250 (61.4%) | $669,238 (44.0%) | 0.00 | 10 |
| 2023-03-01 | $804,060 (35.8%) | $701,448 (17.1%) | 0.00 | 9 |
| 2023-04-01 | $750,000 (31.0%) | $738,836 (22.9%) | 0.00 | 14 |
| 2023-05-01 | $620,250 (16.0%) | $651,715 (18.1%) | 0.00 | 16 |
| 2023-06-01 | $730,000 (47.3%) | $675,852 (27.7%) | 0.00 | 17 |
| 2023-07-01 | $712,000 (29.6%) | $717,200 (24.3%) | 0.00 | 17 |
| 2023-08-01 | $739,500 (37.3%) | $733,596 (24.8%) | 0.00 | 22 |
| 2023-09-01 | $732,000 (42.3%) | $700,206 (20.2%) | 0.00 | 23 |
| 2023-10-01 | $738,000 (12.3%) | $750,550 (19.6%) | 0.00 | 22 |
| 2023-11-01 | $743,500 (16.2%) | $793,324 (21.2%) | 0.00 | 24 |
| 2023-12-01 | $750,000 (7.1%) | $828,093 (19.5%) | 0.00 | 21 |
| 2024-01-01 | $795,750 (19.7%) | $847,417 (26.8%) | 0.00 | 15 |
| 2024-02-01 | $834,500 (18.2%) | $859,498 (28.4%) | 0.00 | 13 |
| 2024-03-01 | $799,000 (-0.6%) | $815,361 (16.2%) | 0.00 | 11 |
| 2024-04-01 | $725,000 (-3.3%) | $786,079 (6.4%) | 0.00 | 14 |
| 2024-05-01 | $667,750 (7.7%) | $734,964 (12.8%) | 0.00 | 14 |
| 2024-06-01 | $820,000 (12.3%) | $740,273 (9.5%) | 0.00 | 11 |
| 2024-07-01 | $659,500 (-7.4%) | $692,988 (-3.4%) | 0.00 | 22 |
| 2024-08-01 | $630,000 (-14.8%) | $673,356 (-8.2%) | 0.00 | 20 |
| 2024-09-01 | $681,750 (-6.9%) | $711,367 (1.6%) | 0.00 | 32 |
| 2024-10-01 | $704,000 (-4.6%) | $717,172 (-4.5%) | 0.00 | 37 |
Los Alamos's median listing price comes in at 0% of the national average.
Los Alamos's average listing price for 2024-10-01 was $717,172, a difference of $-33,378 (-4.5%) versus the prior year and $5,805 versus the prior month.
For the 2024-10-01 period, Los Alamos had 37 MLS listings, a difference of 5 listings (16%) versus the prior month and 15 listings (68%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Los Alamos (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,745 sqft |
| 2018-02-01 | 0 days | 2,382 sqft |
| 2018-03-01 | 0 days | 2,338 sqft |
| 2018-04-01 | 0 days | 2,161 sqft |
| 2018-05-01 | 0 days | 1,726 sqft |
| 2018-06-01 | 0 days | 1,895 sqft |
| 2018-07-01 | 0 days | 2,333 sqft |
| 2018-08-01 | 0 days | 2,314 sqft |
| 2018-09-01 | 0 days | 2,473 sqft |
| 2018-10-01 | 0 days | 2,281 sqft |
| 2018-11-01 | 0 days | 2,228 sqft |
| 2018-12-01 | 0 days | 2,068 sqft |
| 2019-01-01 | 0 days | 2,311 sqft |
| 2019-02-01 | 0 days | 2,356 sqft |
| 2019-03-01 | 0 days | 2,539 sqft |
| 2019-04-01 | 0 days | 2,374 sqft |
| 2019-05-01 | 0 days | 1,964 sqft |
| 2019-06-01 | 0 days | 2,409 sqft |
| 2019-07-01 | 0 days | 2,305 sqft |
| 2019-08-01 | 0 days | 2,223 sqft |
| 2019-09-01 | 0 days | 2,038 sqft |
| 2019-10-01 | 0 days | 1,894 sqft |
| 2019-11-01 | 0 days | 1,894 sqft |
| 2019-12-01 | 0 days | 2,103 sqft |
| 2020-01-01 | 0 days | 1,801 sqft |
| 2020-02-01 | 0 days | 1,763 sqft |
| 2020-03-01 | 0 days | 2,011 sqft |
| 2020-04-01 | 0 days | 1,883 sqft |
| 2020-05-01 | 0 days | 2,058 sqft |
| 2020-06-01 | 0 days | 2,228 sqft |
| 2020-07-01 | 0 days | 2,190 sqft |
| 2020-08-01 | 0 days | 2,195 sqft |
| 2020-09-01 | 0 days | 2,312 sqft |
| 2020-10-01 | 0 days | 2,300 sqft |
| 2020-11-01 | 0 days | 2,371 sqft |
| 2020-12-01 | 0 days | 2,248 sqft |
| 2021-01-01 | 0 days | 2,300 sqft |
| 2021-02-01 | 0 days | 1,792 sqft |
| 2021-03-01 | 0 days | 1,534 sqft |
| 2021-04-01 | 0 days | 1,965 sqft |
| 2021-05-01 | 0 days | 2,009 sqft |
| 2021-06-01 | 0 days | 1,952 sqft |
| 2021-07-01 | 0 days | 1,779 sqft |
| 2021-08-01 | 0 days | 2,031 sqft |
| 2021-09-01 | 0 days | 2,048 sqft |
| 2021-10-01 | 0 days | 2,349 sqft |
| 2021-11-01 | 0 days | 1,949 sqft |
| 2021-12-01 | 0 days | 1,755 sqft |
| 2022-01-01 | 0 days | 1,917 sqft |
| 2022-02-01 | 0 days | 1,771 sqft |
| 2022-03-01 | 0 days | 2,580 sqft |
| 2022-04-01 | 0 days | 2,292 sqft |
| 2022-05-01 | 0 days | 2,141 sqft |
| 2022-06-01 | 0 days | 1,908 sqft |
| 2022-07-01 | 0 days | 2,002 sqft |
| 2022-08-01 | 0 days | 2,230 sqft |
| 2022-09-01 | 0 days | 2,022 sqft |
| 2022-10-01 | 0 days | 2,479 sqft |
| 2022-11-01 | 0 days | 2,359 sqft |
| 2022-12-01 | 0 days | 2,284 sqft |
| 2023-01-01 | 0 days | 2,293 sqft |
| 2023-02-01 | 0 days | 2,229 sqft |
| 2023-03-01 | 0 days | 2,470 sqft |
| 2023-04-01 | 0 days | 2,344 sqft |
| 2023-05-01 | 0 days | 2,173 sqft |
| 2023-06-01 | 0 days | 2,427 sqft |
| 2023-07-01 | 0 days | 2,470 sqft |
| 2023-08-01 | 0 days | 2,528 sqft |
| 2023-09-01 | 0 days | 2,509 sqft |
| 2023-10-01 | 0 days | 2,640 sqft |
| 2023-11-01 | 0 days | 2,463 sqft |
| 2023-12-01 | 0 days | 2,585 sqft |
| 2024-01-01 | 0 days | 2,497 sqft |
| 2024-02-01 | 0 days | 2,777 sqft |
| 2024-03-01 | 0 days | 2,432 sqft |
| 2024-04-01 | 0 days | 2,420 sqft |
| 2024-05-01 | 0 days | 2,113 sqft |
| 2024-06-01 | 0 days | 2,300 sqft |
| 2024-07-01 | 0 days | 2,265 sqft |
| 2024-08-01 | 0 days | 2,252 sqft |
| 2024-09-01 | 0 days | 2,380 sqft |
| 2024-10-01 | 0 days | 2,394 sqft |
Los Alamos's median square footage for active listings during the 2024-10-01 period was 2,394 sqft. One year prior, the average listing was 2,640 sqft.