Napa USDA Loan Rates, Closing Costs & Stats

NAPA, CA

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    • 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 USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Napa averaged 6.39% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

    Napa's average USDA mortgage closing costs are $25,424.

    The average rate for the prior week (2025-03-28) was 6.26% and one month ago for the week of 2025-02-28, the average rate was 6.61%.

    The average rate one year ago was 6.46%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.06%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs

    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. Louis
    Date 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 (-9.8%) $1,991,263 (3.4%) 0.00 236
    2018-04-01 $990,162 (10.6%) $2,127,186 (7.9%) 0.00 262
    2018-05-01 $999,975 (11.8%) $2,159,162 (11.1%) 0.00 320
    2018-06-01 $1,047,000 (18.6%) $2,174,341 (5.9%) 0.00 364
    2018-07-01 $975,000 (8.5%) $2,129,334 (2.9%) 0.00 387
    2018-08-01 $912,250 (0.0%) $2,076,468 (8.7%) 0.00 380
    2018-09-01 $925,000 (1.5%) $2,043,682 (2.1%) 0.00 409
    2018-10-01 $942,000 (6.4%) $2,121,273 (2.6%) 0.00 409
    2018-11-01 $915,375 (7.7%) $2,018,274 (-1.7%) 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%) $2,617,771 (16.3%) 0.00 307
    2020-11-01 $1,337,000 (37.4%) $2,792,349 (16.0%) 0.00 299
    2020-12-01 $1,347,725 (42.0%) $2,767,792 (16.9%) 0.00 239
    2021-01-01 $1,295,000 (30.2%) $2,700,022 (18.0%) 0.00 219
    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%) $3,113,646 (34.6%) 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 (13.6%) 0.00 269
    2021-11-01 $1,342,000 (0.4%) $3,342,329 (19.7%) 0.00 207
    2021-12-01 $1,490,000 (10.6%) $3,434,267 (24.1%) 0.00 158
    2022-01-01 $1,499,500 (15.8%) $3,122,800 (15.7%) 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 (7.8%) 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 $1,396,500 (-6.9%) $3,016,870 (-3.5%) 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%) $3,278,735 (-7.4%) 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 (3.8%) $3,014,527 (-0.1%) 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 $1,697,000 (-5.1%) $3,249,999 (-0.3%) 0.00 321
    2024-06-01 $1,599,500 (-5.8%) $3,090,503 (-5.7%) 0.00 353
    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
    2024-10-01 $1,506,000 (-3.9%) $2,721,916 (-12.7%) 0.00 440
    2024-11-01 $1,499,000 (-0.9%) $2,861,204 (-9.3%) 0.00 419
    2024-12-01 $1,448,000 (-3.4%) $2,980,991 (-3.8%) 0.00 299
    2025-01-01 $1,410,750 (-1.0%) $2,836,695 (-8.2%) 0.00 253
    2025-02-01 $1,497,000 (3.3%) $2,948,508 (-2.2%) 0.00 316
    2025-03-01 $1,499,000 (-4.0%) $2,839,713 (-6.0%) 0.00 375
    Napa's median listing price for 2025-03-01 was $1,499,000, a difference of $-63,000 (-4.0%) versus the prior year and $2,000 versus the prior month.

    Napa's median listing price comes in at 0% of the national average.

    Napa's average listing price for 2025-03-01 was $2,839,713, a difference of $-182,480 (-6.0%) versus the prior year and $-108,795 versus the prior month.

    For the 2025-03-01 period, Napa had 375 MLS listings, a difference of 59 listings (19%) versus the prior month and 156 listings (71%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Napa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date 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 1,950 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 2,140 sqft
    2020-11-01 0 days 2,187 sqft
    2020-12-01 0 days 2,077 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 2,023 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 2,117 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 2,248 sqft
    2024-06-01 0 days 2,179 sqft
    2024-07-01 0 days 2,173 sqft
    2024-08-01 0 days 2,157 sqft
    2024-09-01 0 days 2,172 sqft
    2024-10-01 0 days 2,128 sqft
    2024-11-01 0 days 2,130 sqft
    2024-12-01 0 days 2,036 sqft
    2025-01-01 0 days 2,029 sqft
    2025-02-01 0 days 2,093 sqft
    2025-03-01 0 days 2,101 sqft
    Napa's median listing age (time on market) for 2025-03-01 was 0 days.

    Napa's median square footage for active listings during the 2025-03-01 period was 2,101 sqft. One year prior, the average listing was 2,099 sqft.