Manchester USDA Loan Rates, Closing Costs & Stats
MANCHESTER-NASHUA, NH
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.
Manchester's 1 lenders originated 1 USDA loans during 2024. The total origination value was $305,000, with an average USDA loan value of $305,000.
Manchester USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Manchester
averaged
6.92%
for the week of 2025-07-11, compared to the national average (all USDA variants) of
6.449% for the same period.
Manchester's average USDA mortgage closing costs are $5,618.
The average rate for the prior week (2025-07-04) was
6.83% and
one month ago for the week of 2025-06-06, the
average rate was 6.63%.
The average rate one year ago was 6.81%.
For refis of the same type during the week of 2025-07-11, the average rate
was 6.56%.
Manchester 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 Manchester level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| BROKER SOLUTIONS, INC. | 1 | 6.63% | $6,775 |
The lowest fee Manchester USDA lenders (with over 10 loans originated) are
.
The lowest rate Manchester USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Manchester (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 | $329,475 (-0.1%) | $373,011 (-1.6%) | 1.22 | 816 |
| 2018-02-01 | $339,884 (2.2%) | $384,378 (0.9%) | 1.23 | 751 |
| 2018-03-01 | $349,900 (3.1%) | $396,644 (0.9%) | 1.23 | 757 |
| 2018-04-01 | $349,450 (3.9%) | $396,393 (0.7%) | 1.18 | 834 |
| 2018-05-01 | $349,450 (2.8%) | $402,869 (2.7%) | 1.17 | 940 |
| 2018-06-01 | $339,900 (-0.4%) | $400,232 (1.3%) | 1.13 | 1,060 |
| 2018-07-01 | $339,418 (-0.1%) | $398,231 (1.5%) | 1.13 | 1,143 |
| 2018-08-01 | $334,913 (1.5%) | $392,808 (3.4%) | 1.12 | 1,162 |
| 2018-09-01 | $338,900 (2.7%) | $391,182 (-0.5%) | 1.14 | 1,207 |
| 2018-10-01 | $337,450 (2.3%) | $394,024 (1.7%) | 1.14 | 1,181 |
| 2018-11-01 | $334,900 (2.0%) | $391,246 (4.7%) | 1.14 | 1,102 |
| 2018-12-01 | $347,000 (6.8%) | $393,217 (5.3%) | 1.20 | 932 |
| 2019-01-01 | $349,450 (6.1%) | $396,223 (6.2%) | 1.21 | 775 |
| 2019-02-01 | $358,588 (5.5%) | $403,509 (5.0%) | 1.21 | 689 |
| 2019-03-01 | $363,800 (4.0%) | $422,019 (6.4%) | 1.19 | 723 |
| 2019-04-01 | $365,000 (4.5%) | $429,327 (8.3%) | 1.16 | 765 |
| 2019-05-01 | $365,000 (4.5%) | $429,912 (6.7%) | 1.14 | 866 |
| 2019-06-01 | $362,700 (6.7%) | $429,792 (7.4%) | 1.13 | 920 |
| 2019-07-01 | $364,950 (7.5%) | $429,049 (7.7%) | 1.14 | 1,002 |
| 2019-08-01 | $360,077 (7.5%) | $421,935 (7.4%) | 1.14 | 995 |
| 2019-09-01 | $352,693 (4.1%) | $411,583 (5.2%) | 1.13 | 985 |
| 2019-10-01 | $349,245 (3.5%) | $408,874 (3.8%) | 1.13 | 979 |
| 2019-11-01 | $354,900 (6.0%) | $418,515 (7.0%) | 1.16 | 888 |
| 2019-12-01 | $359,700 (3.7%) | $427,163 (8.6%) | 1.20 | 707 |
| 2020-01-01 | $367,425 (5.1%) | $429,573 (8.4%) | 1.23 | 599 |
| 2020-02-01 | $378,400 (5.5%) | $442,929 (9.8%) | 1.24 | 533 |
| 2020-03-01 | $382,450 (5.1%) | $444,803 (5.4%) | 1.20 | 581 |
| 2020-04-01 | $386,400 (5.9%) | $444,723 (3.6%) | 1.21 | 602 |
| 2020-05-01 | $397,575 (8.9%) | $455,212 (5.9%) | 1.21 | 600 |
| 2020-06-01 | $394,900 (8.9%) | $468,574 (9.0%) | 1.16 | 614 |
| 2020-07-01 | $407,700 (11.7%) | $488,094 (13.8%) | 1.18 | 517 |
| 2020-08-01 | $399,900 (11.1%) | $479,443 (13.6%) | 1.15 | 512 |
| 2020-09-01 | $374,950 (6.3%) | $459,523 (11.7%) | 1.07 | 538 |
| 2020-10-01 | $375,000 (7.4%) | $459,955 (12.5%) | 1.07 | 497 |
| 2020-11-01 | $382,400 (7.8%) | $479,482 (14.6%) | 1.12 | 396 |
| 2020-12-01 | $396,413 (10.2%) | $489,812 (14.7%) | 1.18 | 301 |
| 2021-01-01 | $399,900 (8.8%) | $521,647 (21.4%) | 1.19 | 232 |
| 2021-02-01 | $399,900 (5.7%) | $513,704 (16.0%) | 1.16 | 217 |
| 2021-03-01 | $394,950 (3.3%) | $507,609 (14.1%) | 1.12 | 257 |
| 2021-04-01 | $399,900 (3.5%) | $504,434 (13.4%) | 1.08 | 268 |
| 2021-05-01 | $409,900 (3.1%) | $513,562 (12.8%) | 1.09 | 285 |
| 2021-06-01 | $407,450 (3.2%) | $493,617 (5.3%) | 1.07 | 383 |
| 2021-07-01 | $409,000 (0.3%) | $469,670 (-3.8%) | 1.08 | 427 |
| 2021-08-01 | $400,000 (0.0%) | $479,335 (0.0%) | 1.07 | 432 |
| 2021-09-01 | $416,625 (11.1%) | $496,926 (8.1%) | 1.11 | 439 |
| 2021-10-01 | $419,900 (12.0%) | $497,195 (8.1%) | 1.12 | 394 |
| 2021-11-01 | $414,950 (8.5%) | $488,845 (2.0%) | 1.11 | 295 |
| 2021-12-01 | $441,975 (11.5%) | $523,511 (6.9%) | 1.20 | 193 |
| 2022-01-01 | $449,900 (12.5%) | $552,742 (6.0%) | 1.22 | 172 |
| 2022-02-01 | $449,163 (12.3%) | $565,902 (10.2%) | 1.17 | 162 |
| 2022-03-01 | $459,250 (16.3%) | $569,134 (12.1%) | 1.15 | 166 |
| 2022-04-01 | $447,450 (11.9%) | $538,412 (6.7%) | 1.07 | 240 |
| 2022-05-01 | $444,500 (8.4%) | $533,170 (3.8%) | 1.02 | 312 |
| 2022-06-01 | $479,950 (17.8%) | $561,137 (13.7%) | 1.07 | 389 |
| 2022-07-01 | $499,000 (22.0%) | $592,693 (26.2%) | 1.12 | 413 |
| 2022-08-01 | $486,600 (21.7%) | $593,163 (23.8%) | 1.12 | 416 |
| 2022-09-01 | $492,225 (18.2%) | $609,673 (22.7%) | 1.15 | 402 |
| 2022-10-01 | $499,000 (18.8%) | $617,960 (24.3%) | 1.17 | 404 |
| 2022-11-01 | $492,000 (18.6%) | $611,960 (25.2%) | 1.18 | 398 |
| 2022-12-01 | $499,000 (12.9%) | $621,820 (18.8%) | 1.23 | 304 |
| 2023-01-01 | $541,725 (20.4%) | $637,461 (15.3%) | 1.34 | 253 |
| 2023-02-01 | $562,200 (25.2%) | $657,536 (16.2%) | 1.36 | 226 |
| 2023-03-01 | $549,900 (19.7%) | $648,732 (14.0%) | 1.30 | 234 |
| 2023-04-01 | $532,500 (19.0%) | $645,608 (19.9%) | 1.24 | 248 |
| 2023-05-01 | $522,500 (17.6%) | $621,878 (16.6%) | 1.18 | 290 |
| 2023-06-01 | $534,225 (11.3%) | $623,462 (11.1%) | 1.20 | 316 |
| 2023-07-01 | $539,000 (8.0%) | $647,979 (9.3%) | 1.23 | 340 |
| 2023-08-01 | $557,200 (14.5%) | $670,263 (13.0%) | 1.28 | 319 |
| 2023-09-01 | $535,000 (8.7%) | $642,667 (5.4%) | 1.25 | 361 |
| 2023-10-01 | $523,700 (5.0%) | $651,291 (5.4%) | 1.23 | 374 |
| 2023-11-01 | $520,450 (5.8%) | $663,518 (8.4%) | 1.24 | 358 |
| 2023-12-01 | $549,900 (10.2%) | $683,463 (9.9%) | 1.34 | 274 |
| 2024-01-01 | $565,000 (4.3%) | $656,276 (3.0%) | 1.38 | 224 |
| 2024-02-01 | $572,200 (1.8%) | $721,912 (9.8%) | 1.38 | 222 |
| 2024-03-01 | $549,900 (0.0%) | $726,804 (12.0%) | 1.29 | 209 |
| 2024-04-01 | $577,450 (8.4%) | $734,215 (13.7%) | 1.34 | 251 |
| 2024-05-01 | $611,950 (17.1%) | $761,150 (22.4%) | 1.39 | 285 |
| 2024-06-01 | $564,950 (5.8%) | $696,536 (11.7%) | 1.28 | 346 |
| 2024-07-01 | $549,625 (2.0%) | $696,397 (7.5%) | 1.26 | 355 |
| 2024-08-01 | $550,000 (-1.3%) | $705,199 (5.2%) | 1.28 | 383 |
| 2024-09-01 | $563,475 (5.3%) | $706,503 (9.9%) | 1.33 | 394 |
| 2024-10-01 | $572,450 (9.3%) | $712,777 (9.4%) | 1.35 | 383 |
| 2024-11-01 | $557,000 (7.0%) | $697,794 (5.2%) | 1.34 | 350 |
| 2024-12-01 | $557,000 (1.3%) | $680,035 (-0.5%) | 1.38 | 294 |
| 2025-01-01 | $578,975 (2.5%) | $692,658 (5.5%) | 1.45 | 251 |
| 2025-02-01 | $576,225 (0.7%) | $698,254 (-3.3%) | 1.40 | 228 |
| 2025-03-01 | $564,900 (2.7%) | $695,899 (-4.3%) | 1.33 | 269 |
| 2025-04-01 | $584,700 (1.3%) | $715,890 (-2.5%) | 1.36 | 306 |
| 2025-05-01 | $599,000 (-2.1%) | $736,876 (-3.2%) | 1.36 | 415 |
| 2025-06-01 | $599,900 (6.2%) | $727,301 (4.4%) | 1.36 | 512 |
Manchester's median listing price comes in at 136% of the national average.
Manchester's average listing price for 2025-06-01 was $727,301, a difference of $30,765 (4.4%) versus the prior year and $-9,575 versus the prior month.
For the 2025-06-01 period, Manchester had 512 MLS listings, a difference of 97 listings (23%) versus the prior month and 166 listings (48%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Manchester (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 82 days | 1,925 sqft |
| 2018-02-01 | 73 days | 1,972 sqft |
| 2018-03-01 | 51 days | 2,050 sqft |
| 2018-04-01 | 38 days | 2,074 sqft |
| 2018-05-01 | 36 days | 2,106 sqft |
| 2018-06-01 | 37 days | 2,096 sqft |
| 2018-07-01 | 42 days | 2,092 sqft |
| 2018-08-01 | 47 days | 2,064 sqft |
| 2018-09-01 | 51 days | 2,070 sqft |
| 2018-10-01 | 51 days | 2,107 sqft |
| 2018-11-01 | 58 days | 2,080 sqft |
| 2018-12-01 | 72 days | 2,075 sqft |
| 2019-01-01 | 76 days | 2,013 sqft |
| 2019-02-01 | 74 days | 2,047 sqft |
| 2019-03-01 | 50 days | 2,098 sqft |
| 2019-04-01 | 36 days | 2,124 sqft |
| 2019-05-01 | 33 days | 2,136 sqft |
| 2019-06-01 | 33 days | 2,133 sqft |
| 2019-07-01 | 39 days | 2,191 sqft |
| 2019-08-01 | 44 days | 2,151 sqft |
| 2019-09-01 | 47 days | 2,088 sqft |
| 2019-10-01 | 49 days | 2,040 sqft |
| 2019-11-01 | 57 days | 2,016 sqft |
| 2019-12-01 | 68 days | 2,043 sqft |
| 2020-01-01 | 76 days | 2,015 sqft |
| 2020-02-01 | 60 days | 2,016 sqft |
| 2020-03-01 | 34 days | 2,036 sqft |
| 2020-04-01 | 42 days | 2,027 sqft |
| 2020-05-01 | 48 days | 2,060 sqft |
| 2020-06-01 | 36 days | 2,081 sqft |
| 2020-07-01 | 39 days | 2,132 sqft |
| 2020-08-01 | 30 days | 2,076 sqft |
| 2020-09-01 | 25 days | 1,930 sqft |
| 2020-10-01 | 30 days | 1,954 sqft |
| 2020-11-01 | 38 days | 1,931 sqft |
| 2020-12-01 | 50 days | 1,921 sqft |
| 2021-01-01 | 47 days | 1,884 sqft |
| 2021-02-01 | 27 days | 1,865 sqft |
| 2021-03-01 | 10 days | 1,905 sqft |
| 2021-04-01 | 9 days | 1,952 sqft |
| 2021-05-01 | 9 days | 1,998 sqft |
| 2021-06-01 | 11 days | 1,949 sqft |
| 2021-07-01 | 16 days | 1,956 sqft |
| 2021-08-01 | 18 days | 1,890 sqft |
| 2021-09-01 | 19 days | 1,935 sqft |
| 2021-10-01 | 24 days | 1,921 sqft |
| 2021-11-01 | 28 days | 1,854 sqft |
| 2021-12-01 | 36 days | 1,908 sqft |
| 2022-01-01 | 28 days | 1,816 sqft |
| 2022-02-01 | 10 days | 1,898 sqft |
| 2022-03-01 | 8 days | 1,955 sqft |
| 2022-04-01 | 8 days | 1,956 sqft |
| 2022-05-01 | 9 days | 1,976 sqft |
| 2022-06-01 | 11 days | 1,988 sqft |
| 2022-07-01 | 18 days | 2,100 sqft |
| 2022-08-01 | 24 days | 2,043 sqft |
| 2022-09-01 | 29 days | 2,081 sqft |
| 2022-10-01 | 26 days | 2,106 sqft |
| 2022-11-01 | 33 days | 2,076 sqft |
| 2022-12-01 | 43 days | 2,044 sqft |
| 2023-01-01 | 45 days | 2,088 sqft |
| 2023-02-01 | 38 days | 2,020 sqft |
| 2023-03-01 | 28 days | 2,023 sqft |
| 2023-04-01 | 17 days | 2,013 sqft |
| 2023-05-01 | 11 days | 2,008 sqft |
| 2023-06-01 | 17 days | 1,991 sqft |
| 2023-07-01 | 22 days | 2,082 sqft |
| 2023-08-01 | 26 days | 2,053 sqft |
| 2023-09-01 | 24 days | 2,055 sqft |
| 2023-10-01 | 24 days | 2,025 sqft |
| 2023-11-01 | 31 days | 2,050 sqft |
| 2023-12-01 | 43 days | 2,100 sqft |
| 2024-01-01 | 44 days | 2,096 sqft |
| 2024-02-01 | 23 days | 1,962 sqft |
| 2024-03-01 | 19 days | 1,968 sqft |
| 2024-04-01 | 14 days | 1,957 sqft |
| 2024-05-01 | 16 days | 2,075 sqft |
| 2024-06-01 | 16 days | 2,039 sqft |
| 2024-07-01 | 21 days | 2,095 sqft |
| 2024-08-01 | 23 days | 2,052 sqft |
| 2024-09-01 | 25 days | 2,016 sqft |
| 2024-10-01 | 28 days | 2,024 sqft |
| 2024-11-01 | 42 days | 2,035 sqft |
| 2024-12-01 | 48 days | 1,977 sqft |
| 2025-01-01 | 46 days | 2,044 sqft |
| 2025-02-01 | 39 days | 2,057 sqft |
| 2025-03-01 | 30 days | 2,019 sqft |
| 2025-04-01 | 24 days | 2,027 sqft |
| 2025-05-01 | 24 days | 2,044 sqft |
| 2025-06-01 | 29 days | 2,061 sqft |
Manchester's median square footage for active listings during the 2025-06-01 period was 2,061 sqft. One year prior, the average listing was 2,039 sqft.