Los Angeles USDA Loan Rates, Closing Costs & Stats
Los Angeles-Long Beach-Anaheim, CA
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 Angeles's 7 lenders originated 7 USDA loans during 2024. The total origination value was $2,685,000, with an average USDA loan value of $383,571.
Los Angeles USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Los Angeles
averaged
6.77%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Los Angeles's average USDA mortgage closing costs are $9,075.
The average rate for the prior week (2025-05-16) was
6.5% and
one month ago for the week of 2025-04-18, the
average rate was 6.69%.
The average rate one year ago was 7.06%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.49%.
Los Angeles 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 Angeles level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| AMERICAN FINANCIAL RESOURCES, INC. | 1 | 5.63% | $16,223 |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | 6.50% | $11,377 |
| LOANDEPOT.COM, LLC | 1 | 6.25% | $14,903 |
| ML Mortgage Corp. | 1 | 6.75% | $10,220 |
| Paramount Residential Mortgage Group, Inc. | 1 | 6.75% | $10,220 |
| SUN WEST MORTGAGE COMPANY, INC. | 1 | 6.38% | $9,248 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 6.25% | $14,398 |
The top Los Angeles USDA lender as defined by loan originations is AMERICAN FINANCIAL RESOURCES, INC., with
1 USDA loans originated. Their average total fees are
$16,223, which is $4,846
higher than the next largest lender,
AMERICAN PACIFIC MORTGAGE CORPORATION.
The lowest fee Los Angeles USDA lenders (with over 10 loans originated) are
.
The lowest rate Los Angeles USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Los Angeles (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 | $778,250 (9.7%) | $1,736,123 (14.6%) | 2.89 | 12,707 |
| 2018-02-01 | $789,250 (7.8%) | $1,725,434 (11.2%) | 2.87 | 13,760 |
| 2018-03-01 | $799,900 (5.8%) | $1,721,041 (6.8%) | 2.81 | 14,581 |
| 2018-04-01 | $825,000 (6.5%) | $1,701,177 (4.8%) | 2.80 | 15,990 |
| 2018-05-01 | $824,450 (3.9%) | $1,701,830 (4.0%) | 2.75 | 17,287 |
| 2018-06-01 | $820,000 (4.3%) | $1,686,038 (3.7%) | 2.73 | 18,772 |
| 2018-07-01 | $799,975 (2.7%) | $1,651,173 (2.9%) | 2.67 | 20,303 |
| 2018-08-01 | $784,450 (2.0%) | $1,584,537 (-1.3%) | 2.63 | 21,228 |
| 2018-09-01 | $769,200 (0.0%) | $1,559,038 (-3.0%) | 2.59 | 22,128 |
| 2018-10-01 | $762,500 (-0.5%) | $1,557,410 (-4.8%) | 2.58 | 22,809 |
| 2018-11-01 | $753,500 (-2.1%) | $1,549,112 (-6.8%) | 2.55 | 22,803 |
| 2018-12-01 | $749,000 (-3.7%) | $1,569,179 (-9.7%) | 2.58 | 20,249 |
| 2019-01-01 | $741,250 (-4.8%) | $1,567,489 (-9.7%) | 2.56 | 18,976 |
| 2019-02-01 | $749,450 (-5.0%) | $1,602,051 (-7.2%) | 2.53 | 19,543 |
| 2019-03-01 | $770,571 (-3.7%) | $1,632,488 (-5.2%) | 2.52 | 19,911 |
| 2019-04-01 | $798,500 (-3.2%) | $1,650,997 (-3.0%) | 2.54 | 20,308 |
| 2019-05-01 | $805,000 (-2.4%) | $1,679,888 (-1.3%) | 2.52 | 21,470 |
| 2019-06-01 | $825,000 (0.6%) | $1,677,854 (-0.5%) | 2.58 | 21,741 |
| 2019-07-01 | $829,950 (3.8%) | $1,689,220 (2.3%) | 2.60 | 22,093 |
| 2019-08-01 | $836,091 (6.6%) | $1,703,692 (7.5%) | 2.65 | 21,518 |
| 2019-09-01 | $837,727 (8.9%) | $1,727,463 (10.8%) | 2.68 | 20,560 |
| 2019-10-01 | $836,818 (9.8%) | $1,750,053 (12.4%) | 2.70 | 19,670 |
| 2019-11-01 | $835,000 (10.8%) | $1,809,367 (16.8%) | 2.74 | 17,778 |
| 2019-12-01 | $845,000 (12.8%) | $1,896,057 (20.8%) | 2.82 | 14,152 |
| 2020-01-01 | $849,000 (14.5%) | $1,956,413 (24.8%) | 2.84 | 12,822 |
| 2020-02-01 | $889,000 (18.6%) | $1,993,844 (24.5%) | 2.91 | 12,891 |
| 2020-03-01 | $908,500 (17.9%) | $2,004,069 (22.8%) | 2.85 | 12,819 |
| 2020-04-01 | $855,000 (7.1%) | $1,829,547 (10.8%) | 2.68 | 13,319 |
| 2020-05-01 | $875,000 (8.7%) | $1,820,358 (8.4%) | 2.66 | 15,151 |
| 2020-06-01 | $917,000 (11.2%) | $1,918,493 (14.3%) | 2.70 | 15,155 |
| 2020-07-01 | $947,000 (14.1%) | $2,002,816 (18.6%) | 2.74 | 14,649 |
| 2020-08-01 | $950,000 (13.6%) | $2,039,166 (19.7%) | 2.72 | 14,426 |
| 2020-09-01 | $949,475 (13.3%) | $2,019,469 (16.9%) | 2.72 | 14,549 |
| 2020-10-01 | $949,500 (13.5%) | $2,028,792 (15.9%) | 2.72 | 14,837 |
| 2020-11-01 | $949,500 (13.7%) | $2,057,568 (13.7%) | 2.78 | 14,197 |
| 2020-12-01 | $949,450 (12.4%) | $2,167,504 (14.3%) | 2.82 | 12,032 |
| 2021-01-01 | $950,000 (11.9%) | $2,271,561 (16.1%) | 2.84 | 10,268 |
| 2021-02-01 | $969,000 (9.0%) | $2,348,451 (17.8%) | 2.82 | 9,944 |
| 2021-03-01 | $970,000 (6.8%) | $2,318,254 (15.7%) | 2.75 | 9,753 |
| 2021-04-01 | $974,925 (14.0%) | $2,285,108 (24.9%) | 2.64 | 9,784 |
| 2021-05-01 | $975,000 (11.4%) | $2,295,012 (26.1%) | 2.59 | 9,726 |
| 2021-06-01 | $966,950 (5.5%) | $2,268,145 (18.2%) | 2.55 | 10,228 |
| 2021-07-01 | $949,999 (0.3%) | $2,184,845 (9.1%) | 2.51 | 11,067 |
| 2021-08-01 | $921,223 (-3.0%) | $2,131,113 (4.5%) | 2.46 | 11,122 |
| 2021-09-01 | $912,100 (-3.9%) | $2,120,682 (5.0%) | 2.43 | 10,569 |
| 2021-10-01 | $925,000 (-2.6%) | $2,167,961 (6.9%) | 2.47 | 10,089 |
| 2021-11-01 | $910,000 (-4.2%) | $2,219,415 (7.9%) | 2.43 | 8,871 |
| 2021-12-01 | $909,725 (-4.2%) | $2,347,834 (8.3%) | 2.46 | 7,097 |
| 2022-01-01 | $920,000 (-3.2%) | $2,487,238 (9.5%) | 2.49 | 6,105 |
| 2022-02-01 | $949,000 (-2.1%) | $2,520,710 (7.3%) | 2.47 | 6,506 |
| 2022-03-01 | $975,000 (0.5%) | $2,457,614 (6.0%) | 2.44 | 6,938 |
| 2022-04-01 | $980,000 (0.5%) | $2,351,919 (2.9%) | 2.34 | 7,541 |
| 2022-05-01 | $992,875 (1.8%) | $2,244,648 (-2.2%) | 2.27 | 10,013 |
| 2022-06-01 | $996,500 (3.1%) | $2,152,879 (-5.1%) | 2.22 | 11,977 |
| 2022-07-01 | $970,000 (2.1%) | $2,020,076 (-7.5%) | 2.19 | 14,721 |
| 2022-08-01 | $950,000 (3.1%) | $1,962,212 (-7.9%) | 2.20 | 15,038 |
| 2022-09-01 | $949,450 (4.1%) | $1,976,198 (-6.8%) | 2.22 | 14,466 |
| 2022-10-01 | $940,000 (1.6%) | $1,966,289 (-9.3%) | 2.21 | 14,600 |
| 2022-11-01 | $933,944 (2.6%) | $1,999,820 (-9.9%) | 2.25 | 14,344 |
| 2022-12-01 | $935,000 (2.8%) | $2,089,747 (-11.0%) | 2.31 | 12,280 |
| 2023-01-01 | $938,458 (2.0%) | $2,182,624 (-12.3%) | 2.32 | 10,562 |
| 2023-02-01 | $973,500 (2.6%) | $2,408,719 (-4.4%) | 2.35 | 9,824 |
| 2023-03-01 | $999,500 (2.5%) | $2,533,623 (3.1%) | 2.36 | 9,238 |
| 2023-04-01 | $1,099,999 (12.2%) | $2,633,826 (12.0%) | 2.56 | 8,853 |
| 2023-05-01 | $1,150,222 (15.9%) | $2,688,308 (19.8%) | 2.61 | 9,038 |
| 2023-06-01 | $1,169,975 (17.4%) | $2,665,519 (23.8%) | 2.63 | 9,471 |
| 2023-07-01 | $1,195,000 (23.2%) | $2,668,644 (32.1%) | 2.72 | 9,989 |
| 2023-08-01 | $1,162,500 (22.4%) | $2,581,851 (31.6%) | 2.67 | 10,502 |
| 2023-09-01 | $1,175,000 (23.8%) | $2,578,895 (30.5%) | 2.74 | 10,611 |
| 2023-10-01 | $1,159,000 (23.3%) | $2,526,383 (28.5%) | 2.73 | 11,223 |
| 2023-11-01 | $1,150,000 (23.1%) | $2,552,219 (27.6%) | 2.74 | 11,424 |
| 2023-12-01 | $1,100,000 (17.7%) | $2,601,702 (24.5%) | 2.68 | 10,044 |
| 2024-01-01 | $1,100,000 (17.2%) | $2,663,478 (22.0%) | 2.69 | 9,158 |
| 2024-02-01 | $1,137,000 (16.8%) | $2,700,839 (12.1%) | 2.74 | 9,411 |
| 2024-03-01 | $1,150,000 (15.1%) | $2,683,379 (5.9%) | 2.71 | 9,736 |
| 2024-04-01 | $1,192,000 (8.4%) | $2,670,091 (1.4%) | 2.77 | 10,595 |
| 2024-05-01 | $1,223,500 (6.4%) | $2,696,171 (0.3%) | 2.78 | 11,794 |
| 2024-06-01 | $1,199,000 (2.5%) | $2,602,362 (-2.4%) | 2.73 | 12,950 |
| 2024-07-01 | $1,199,000 (0.3%) | $2,549,218 (-4.5%) | 2.74 | 14,302 |
| 2024-08-01 | $1,190,000 (2.4%) | $2,444,394 (-5.3%) | 2.77 | 14,876 |
| 2024-09-01 | $1,154,440 (-1.8%) | $2,390,494 (-7.3%) | 2.72 | 15,585 |
| 2024-10-01 | $1,150,000 (-0.8%) | $2,371,615 (-6.1%) | 2.71 | 15,621 |
| 2024-11-01 | $1,130,000 (-1.7%) | $2,355,765 (-7.7%) | 2.71 | 15,283 |
| 2024-12-01 | $1,094,000 (-0.6%) | $2,398,115 (-7.8%) | 2.72 | 12,686 |
| 2025-01-01 | $1,089,500 (-1.0%) | $2,392,413 (-10.2%) | 2.72 | 12,175 |
| 2025-02-01 | $1,119,000 (-1.6%) | $2,507,130 (-7.2%) | 2.72 | 13,455 |
| 2025-03-01 | $1,179,000 (2.5%) | $2,524,336 (-5.9%) | 2.77 | 14,775 |
| 2025-04-01 | $1,195,000 (0.3%) | $2,505,171 (-6.2%) | 2.77 | 16,377 |
Los Angeles's median listing price comes in at 277% of the national average.
Los Angeles's average listing price for 2025-04-01 was $2,505,171, a difference of $-164,920 (-6.2%) versus the prior year and $-19,165 versus the prior month.
For the 2025-04-01 period, Los Angeles had 16,377 MLS listings, a difference of 1,602 listings (11%) versus the prior month and 5,782 listings (55%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Los Angeles (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 46 days | 1,864 sqft |
| 2018-02-01 | 30 days | 1,876 sqft |
| 2018-03-01 | 31 days | 1,889 sqft |
| 2018-04-01 | 31 days | 1,907 sqft |
| 2018-05-01 | 30 days | 1,913 sqft |
| 2018-06-01 | 32 days | 1,906 sqft |
| 2018-07-01 | 35 days | 1,898 sqft |
| 2018-08-01 | 37 days | 1,850 sqft |
| 2018-09-01 | 39 days | 1,819 sqft |
| 2018-10-01 | 41 days | 1,798 sqft |
| 2018-11-01 | 44 days | 1,778 sqft |
| 2018-12-01 | 54 days | 1,766 sqft |
| 2019-01-01 | 57 days | 1,750 sqft |
| 2019-02-01 | 40 days | 1,756 sqft |
| 2019-03-01 | 41 days | 1,795 sqft |
| 2019-04-01 | 43 days | 1,831 sqft |
| 2019-05-01 | 43 days | 1,857 sqft |
| 2019-06-01 | 45 days | 1,876 sqft |
| 2019-07-01 | 47 days | 1,889 sqft |
| 2019-08-01 | 48 days | 1,883 sqft |
| 2019-09-01 | 50 days | 1,875 sqft |
| 2019-10-01 | 51 days | 1,865 sqft |
| 2019-11-01 | 53 days | 1,861 sqft |
| 2019-12-01 | 64 days | 1,860 sqft |
| 2020-01-01 | 64 days | 1,864 sqft |
| 2020-02-01 | 44 days | 1,901 sqft |
| 2020-03-01 | 44 days | 1,920 sqft |
| 2020-04-01 | 51 days | 1,831 sqft |
| 2020-05-01 | 59 days | 1,844 sqft |
| 2020-06-01 | 48 days | 1,871 sqft |
| 2020-07-01 | 46 days | 1,884 sqft |
| 2020-08-01 | 44 days | 1,873 sqft |
| 2020-09-01 | 45 days | 1,853 sqft |
| 2020-10-01 | 45 days | 1,841 sqft |
| 2020-11-01 | 50 days | 1,824 sqft |
| 2020-12-01 | 62 days | 1,815 sqft |
| 2021-01-01 | 63 days | 1,808 sqft |
| 2021-02-01 | 43 days | 1,800 sqft |
| 2021-03-01 | 39 days | 1,799 sqft |
| 2021-04-01 | 40 days | 1,807 sqft |
| 2021-05-01 | 38 days | 1,805 sqft |
| 2021-06-01 | 36 days | 1,786 sqft |
| 2021-07-01 | 35 days | 1,761 sqft |
| 2021-08-01 | 36 days | 1,725 sqft |
| 2021-09-01 | 39 days | 1,719 sqft |
| 2021-10-01 | 38 days | 1,720 sqft |
| 2021-11-01 | 43 days | 1,713 sqft |
| 2021-12-01 | 49 days | 1,714 sqft |
| 2022-01-01 | 45 days | 1,693 sqft |
| 2022-02-01 | 30 days | 1,700 sqft |
| 2022-03-01 | 30 days | 1,722 sqft |
| 2022-04-01 | 29 days | 1,732 sqft |
| 2022-05-01 | 29 days | 1,729 sqft |
| 2022-06-01 | 31 days | 1,737 sqft |
| 2022-07-01 | 33 days | 1,703 sqft |
| 2022-08-01 | 41 days | 1,701 sqft |
| 2022-09-01 | 47 days | 1,704 sqft |
| 2022-10-01 | 47 days | 1,702 sqft |
| 2022-11-01 | 51 days | 1,702 sqft |
| 2022-12-01 | 61 days | 1,713 sqft |
| 2023-01-01 | 68 days | 1,704 sqft |
| 2023-02-01 | 52 days | 1,737 sqft |
| 2023-03-01 | 46 days | 1,757 sqft |
| 2023-04-01 | 44 days | 1,792 sqft |
| 2023-05-01 | 39 days | 1,814 sqft |
| 2023-06-01 | 39 days | 1,830 sqft |
| 2023-07-01 | 41 days | 1,853 sqft |
| 2023-08-01 | 41 days | 1,835 sqft |
| 2023-09-01 | 45 days | 1,830 sqft |
| 2023-10-01 | 44 days | 1,813 sqft |
| 2023-11-01 | 47 days | 1,809 sqft |
| 2023-12-01 | 54 days | 1,791 sqft |
| 2024-01-01 | 57 days | 1,785 sqft |
| 2024-02-01 | 40 days | 1,795 sqft |
| 2024-03-01 | 42 days | 1,800 sqft |
| 2024-04-01 | 39 days | 1,818 sqft |
| 2024-05-01 | 36 days | 1,827 sqft |
| 2024-06-01 | 40 days | 1,809 sqft |
| 2024-07-01 | 43 days | 1,812 sqft |
| 2024-08-01 | 44 days | 1,809 sqft |
| 2024-09-01 | 46 days | 1,793 sqft |
| 2024-10-01 | 48 days | 1,787 sqft |
| 2024-11-01 | 53 days | 1,772 sqft |
| 2024-12-01 | 63 days | 1,742 sqft |
| 2025-01-01 | 64 days | 1,738 sqft |
| 2025-02-01 | 39 days | 1,756 sqft |
| 2025-03-01 | 42 days | 1,780 sqft |
| 2025-04-01 | 44 days | 1,797 sqft |
Los Angeles's median square footage for active listings during the 2025-04-01 period was 1,797 sqft. One year prior, the average listing was 1,818 sqft.