Napa USDA Loan Rates, Closing Costs & Stats
NAPA, 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.
Napa's 1 lenders originated 1 USDA loans during 2023. The total origination value was $475,000, with an average USDA loan value of $475,000.
Napa USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Napa
averaged
5.88%
for the week of 2024-10-11, compared to the national average (all USDA variants) of
6.08% for the same period.
Napa's average USDA mortgage closing costs are $25,424.
The average rate for the prior week (2024-10-04) was
5.78% and
one month ago for the week of 2024-09-06, the
average rate was 5.96%.
The average rate one year ago was 7.36%.
For refis of the same type during the week of 2024-10-11, the average rate
was 6.28%.
Napa 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 Napa level.
Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
---|---|---|---|
UNITED WHOLESALE MORTGAGE, LLC | 1 | 5.13% | $25,424 |
The lowest fee Napa USDA lenders (with over 10 loans originated) are
.
The lowest rate Napa USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Napa (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $844,000 (-5.9%) | $1,886,352 (6.0%) | 0.00 | 200 |
2018-02-01 | $849,500 (-6.4%) | $1,913,916 (5.9%) | 0.00 | 191 |
2018-03-01 | $850,000 (-10.1%) | $1,991,263 (1.9%) | 0.00 | 236 |
2018-04-01 | $990,162 (10.6%) | $2,127,186 (6.5%) | 0.00 | 262 |
2018-05-01 | $999,975 (11.7%) | $2,159,162 (9.7%) | 0.00 | 320 |
2018-06-01 | $1,047,000 (18.6%) | $2,174,341 (4.8%) | 0.00 | 364 |
2018-07-01 | $975,000 (8.5%) | $2,129,334 (1.9%) | 0.00 | 387 |
2018-08-01 | $912,250 (-0.3%) | $2,076,468 (7.5%) | 0.00 | 380 |
2018-09-01 | $925,000 (0.1%) | $2,043,682 (1.0%) | 0.00 | 409 |
2018-10-01 | $942,000 (6.2%) | $2,121,273 (1.5%) | 0.00 | 409 |
2018-11-01 | $915,375 (7.7%) | $2,018,274 (-2.8%) | 0.00 | 384 |
2018-12-01 | $895,000 (5.3%) | $1,847,420 (-8.0%) | 0.00 | 316 |
2019-01-01 | $857,000 (1.5%) | $1,705,471 (-9.6%) | 0.00 | 283 |
2019-02-01 | $849,713 (0.0%) | $1,667,051 (-12.9%) | 0.00 | 293 |
2019-03-01 | $883,186 (3.9%) | $1,788,017 (-10.2%) | 0.00 | 332 |
2019-04-01 | $944,750 (-4.6%) | $2,109,283 (-0.8%) | 0.00 | 363 |
2019-05-01 | $1,022,500 (2.3%) | $2,216,608 (2.7%) | 0.00 | 439 |
2019-06-01 | $998,250 (-4.7%) | $2,239,144 (3.0%) | 0.00 | 465 |
2019-07-01 | $970,000 (-0.5%) | $2,169,653 (1.9%) | 0.00 | 475 |
2019-08-01 | $949,000 (4.0%) | $2,182,085 (5.1%) | 0.00 | 475 |
2019-09-01 | $949,000 (2.6%) | $2,208,080 (8.0%) | 0.00 | 478 |
2019-10-01 | $949,000 (0.7%) | $2,251,477 (6.1%) | 0.00 | 477 |
2019-11-01 | $973,000 (6.3%) | $2,406,471 (19.2%) | 0.00 | 414 |
2019-12-01 | $948,944 (6.0%) | $2,368,169 (28.2%) | 0.00 | 312 |
2020-01-01 | $995,000 (16.1%) | $2,287,673 (34.1%) | 0.00 | 243 |
2020-02-01 | $995,000 (17.1%) | $2,234,091 (34.0%) | 0.00 | 284 |
2020-03-01 | $1,066,750 (20.8%) | $2,279,116 (27.5%) | 0.00 | 333 |
2020-04-01 | $987,000 (4.5%) | $2,181,249 (3.4%) | 0.00 | 301 |
2020-05-01 | $989,900 (-3.2%) | $2,114,283 (-4.6%) | 0.00 | 392 |
2020-06-01 | $1,091,250 (9.3%) | $2,227,204 (-0.5%) | 0.00 | 382 |
2020-07-01 | $1,153,750 (18.9%) | $2,313,455 (6.6%) | 0.00 | 376 |
2020-08-01 | $1,260,000 (32.8%) | $2,409,199 (10.4%) | 0.00 | 322 |
2020-09-01 | $1,296,000 (36.6%) | $2,693,072 (22.0%) | 0.00 | 310 |
2020-10-01 | $1,300,000 (37.0%) | $2,620,806 (16.4%) | 0.00 | 306 |
2020-11-01 | $1,323,500 (36.0%) | $2,795,898 (16.2%) | 0.00 | 298 |
2020-12-01 | $1,347,250 (42.0%) | $2,771,920 (17.1%) | 0.00 | 238 |
2021-01-01 | $1,295,000 (30.2%) | $2,704,442 (18.2%) | 0.00 | 218 |
2021-02-01 | $1,296,250 (30.3%) | $2,912,672 (30.4%) | 0.00 | 213 |
2021-03-01 | $1,359,750 (27.5%) | $2,902,895 (27.4%) | 0.00 | 220 |
2021-04-01 | $1,310,000 (32.7%) | $2,956,612 (35.6%) | 0.00 | 226 |
2021-05-01 | $1,395,000 (40.9%) | $3,138,336 (48.4%) | 0.00 | 239 |
2021-06-01 | $1,364,750 (25.1%) | $3,105,959 (39.5%) | 0.00 | 276 |
2021-07-01 | $1,295,000 (12.2%) | $3,118,514 (34.8%) | 0.00 | 282 |
2021-08-01 | $1,250,000 (-0.8%) | $3,004,202 (24.7%) | 0.00 | 274 |
2021-09-01 | $1,299,000 (0.2%) | $3,022,437 (12.2%) | 0.00 | 272 |
2021-10-01 | $1,250,000 (-3.9%) | $2,973,927 (13.5%) | 0.00 | 269 |
2021-11-01 | $1,342,000 (1.4%) | $3,342,329 (19.5%) | 0.00 | 207 |
2021-12-01 | $1,490,000 (10.6%) | $3,434,267 (23.9%) | 0.00 | 158 |
2022-01-01 | $1,499,500 (15.8%) | $3,122,800 (15.5%) | 0.00 | 129 |
2022-02-01 | $1,499,250 (15.7%) | $3,124,545 (7.3%) | 0.00 | 144 |
2022-03-01 | $1,695,500 (24.7%) | $3,483,337 (20.0%) | 0.00 | 168 |
2022-04-01 | $1,599,000 (22.1%) | $3,420,415 (15.7%) | 0.00 | 194 |
2022-05-01 | $1,642,000 (17.7%) | $3,447,090 (9.8%) | 0.00 | 215 |
2022-06-01 | $1,572,500 (15.2%) | $3,540,751 (14.0%) | 0.00 | 217 |
2022-07-01 | $1,489,500 (15.0%) | $3,357,098 (7.7%) | 0.00 | 246 |
2022-08-01 | $1,497,250 (19.8%) | $3,399,639 (13.2%) | 0.00 | 273 |
2022-09-01 | $1,382,500 (6.4%) | $3,266,821 (8.1%) | 0.00 | 285 |
2022-10-01 | $1,345,000 (7.6%) | $3,277,188 (10.2%) | 0.00 | 293 |
2022-11-01 | $1,395,000 (4.0%) | $3,104,419 (-7.1%) | 0.00 | 272 |
2022-12-01 | $1,341,525 (-10.0%) | $2,946,809 (-14.2%) | 0.00 | 213 |
2023-01-01 | $1,225,000 (-18.3%) | $2,979,610 (-4.6%) | 0.00 | 173 |
2023-02-01 | $1,409,250 (-6.0%) | $3,028,674 (-3.1%) | 0.00 | 182 |
2023-03-01 | $1,485,500 (-12.4%) | $3,207,923 (-7.9%) | 0.00 | 186 |
2023-04-01 | $1,650,000 (3.2%) | $3,248,354 (-5.0%) | 0.00 | 211 |
2023-05-01 | $1,788,500 (8.9%) | $3,260,522 (-5.4%) | 0.00 | 245 |
2023-06-01 | $1,697,500 (8.0%) | $3,283,085 (-7.3%) | 0.00 | 264 |
2023-07-01 | $1,697,000 (13.9%) | $3,196,750 (-4.8%) | 0.00 | 275 |
2023-08-01 | $1,650,000 (10.2%) | $2,968,384 (-12.7%) | 0.00 | 269 |
2023-09-01 | $1,590,000 (15.0%) | $3,151,906 (-3.5%) | 0.00 | 311 |
2023-10-01 | $1,566,250 (16.5%) | $3,118,966 (-4.8%) | 0.00 | 319 |
2023-11-01 | $1,512,500 (8.4%) | $3,156,117 (1.7%) | 0.00 | 297 |
2023-12-01 | $1,499,000 (11.7%) | $3,100,087 (5.2%) | 0.00 | 222 |
2024-01-01 | $1,425,000 (16.3%) | $3,089,103 (3.7%) | 0.00 | 193 |
2024-02-01 | $1,449,500 (2.9%) | $3,014,527 (-0.5%) | 0.00 | 190 |
2024-03-01 | $1,562,000 (5.2%) | $3,022,193 (-5.8%) | 0.00 | 219 |
2024-04-01 | $1,597,225 (-3.2%) | $3,130,577 (-3.6%) | 0.00 | 288 |
2024-05-01 | $1,704,750 (-4.7%) | $3,338,755 (2.4%) | 0.00 | 321 |
2024-06-01 | $1,650,000 (-2.8%) | $3,171,885 (-3.4%) | 0.00 | 352 |
2024-07-01 | $1,574,500 (-7.2%) | $2,996,797 (-6.3%) | 0.00 | 370 |
2024-08-01 | $1,524,000 (-7.6%) | $2,902,214 (-2.2%) | 0.00 | 392 |
2024-09-01 | $1,528,750 (-3.9%) | $2,821,387 (-10.5%) | 0.00 | 421 |
Napa's median listing price comes in at 0% of the national average.
Napa's average listing price for 2024-09-01 was $2,821,387, a difference of $-330,519 (-10.5%) versus the prior year and $-80,827 versus the prior month.
For the 2024-09-01 period, Napa had 421 MLS listings, a difference of 29 listings (7%) versus the prior month and 110 listings (35%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Napa (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,934 sqft |
2018-02-01 | 0 days | 1,895 sqft |
2018-03-01 | 0 days | 1,953 sqft |
2018-04-01 | 0 days | 2,063 sqft |
2018-05-01 | 0 days | 2,062 sqft |
2018-06-01 | 0 days | 2,104 sqft |
2018-07-01 | 0 days | 2,034 sqft |
2018-08-01 | 0 days | 2,016 sqft |
2018-09-01 | 0 days | 2,044 sqft |
2018-10-01 | 0 days | 2,063 sqft |
2018-11-01 | 0 days | 1,967 sqft |
2018-12-01 | 0 days | 1,949 sqft |
2019-01-01 | 0 days | 1,897 sqft |
2019-02-01 | 0 days | 1,899 sqft |
2019-03-01 | 0 days | 1,965 sqft |
2019-04-01 | 0 days | 2,089 sqft |
2019-05-01 | 0 days | 2,126 sqft |
2019-06-01 | 0 days | 2,116 sqft |
2019-07-01 | 0 days | 2,016 sqft |
2019-08-01 | 0 days | 1,989 sqft |
2019-09-01 | 0 days | 1,975 sqft |
2019-10-01 | 0 days | 1,958 sqft |
2019-11-01 | 0 days | 2,024 sqft |
2019-12-01 | 0 days | 2,034 sqft |
2020-01-01 | 0 days | 2,088 sqft |
2020-02-01 | 0 days | 2,054 sqft |
2020-03-01 | 0 days | 2,074 sqft |
2020-04-01 | 0 days | 2,047 sqft |
2020-05-01 | 0 days | 2,000 sqft |
2020-06-01 | 0 days | 2,086 sqft |
2020-07-01 | 0 days | 2,115 sqft |
2020-08-01 | 0 days | 2,159 sqft |
2020-09-01 | 0 days | 2,168 sqft |
2020-10-01 | 0 days | 2,138 sqft |
2020-11-01 | 0 days | 2,180 sqft |
2020-12-01 | 0 days | 2,073 sqft |
2021-01-01 | 0 days | 2,112 sqft |
2021-02-01 | 0 days | 2,018 sqft |
2021-03-01 | 0 days | 2,114 sqft |
2021-04-01 | 0 days | 2,128 sqft |
2021-05-01 | 0 days | 2,036 sqft |
2021-06-01 | 0 days | 2,038 sqft |
2021-07-01 | 0 days | 2,016 sqft |
2021-08-01 | 0 days | 2,113 sqft |
2021-09-01 | 0 days | 2,149 sqft |
2021-10-01 | 0 days | 2,037 sqft |
2021-11-01 | 0 days | 2,129 sqft |
2021-12-01 | 0 days | 2,087 sqft |
2022-01-01 | 0 days | 2,092 sqft |
2022-02-01 | 0 days | 2,112 sqft |
2022-03-01 | 0 days | 2,224 sqft |
2022-04-01 | 0 days | 2,166 sqft |
2022-05-01 | 0 days | 2,141 sqft |
2022-06-01 | 0 days | 2,099 sqft |
2022-07-01 | 0 days | 2,068 sqft |
2022-08-01 | 0 days | 2,137 sqft |
2022-09-01 | 0 days | 2,080 sqft |
2022-10-01 | 0 days | 2,026 sqft |
2022-11-01 | 0 days | 2,088 sqft |
2022-12-01 | 0 days | 2,067 sqft |
2023-01-01 | 0 days | 2,071 sqft |
2023-02-01 | 0 days | 2,119 sqft |
2023-03-01 | 0 days | 2,190 sqft |
2023-04-01 | 0 days | 2,276 sqft |
2023-05-01 | 0 days | 2,371 sqft |
2023-06-01 | 0 days | 2,345 sqft |
2023-07-01 | 0 days | 2,354 sqft |
2023-08-01 | 0 days | 2,310 sqft |
2023-09-01 | 0 days | 2,177 sqft |
2023-10-01 | 0 days | 2,206 sqft |
2023-11-01 | 0 days | 2,200 sqft |
2023-12-01 | 0 days | 2,090 sqft |
2024-01-01 | 0 days | 2,012 sqft |
2024-02-01 | 0 days | 2,073 sqft |
2024-03-01 | 0 days | 2,099 sqft |
2024-04-01 | 0 days | 2,133 sqft |
2024-05-01 | 0 days | 2,304 sqft |
2024-06-01 | 0 days | 2,201 sqft |
2024-07-01 | 0 days | 2,174 sqft |
2024-08-01 | 0 days | 2,157 sqft |
2024-09-01 | 0 days | 2,175 sqft |
Napa's median square footage for active listings during the 2024-09-01 period was 2,175 sqft. One year prior, the average listing was 2,177 sqft.