Napa USDA Loans

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 USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Napa averaged 5.82% for the week of 2022-09-23, compared to the national average (all USDA variants) of 6.08% for the same period.

The average rate for the prior week (2022-09-16) was 5.85% and one month ago for the week of 2022-08-19, the average rate was 5.34%.

The average rate one year ago was 2.87%.

For refis of the same type during the week of 2022-09-23, the average rate was 5.86%.

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 and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Napa level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Total Fees

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 $850,000 (-5.0%) $1,884,040 (-1.4%) 0.00 211
2018-02-01 $844,000 (-6.1%) $1,856,200 (-1.3%) 0.00 201
2018-03-01 $849,000 (-10.5%) $1,959,286 (-1.0%) 0.00 246
2018-04-01 $980,000 (10.1%) $2,119,243 (10.5%) 0.00 270
2018-05-01 $1,012,823 (16.1%) $2,103,374 (15.9%) 0.00 327
2018-06-01 $1,025,000 (19.3%) $2,116,860 (14.3%) 0.00 374
2018-07-01 $962,450 (8.1%) $2,060,001 (10.7%) 0.00 403
2018-08-01 $912,000 (-0.6%) $2,015,713 (0.4%) 0.00 396
2018-09-01 $925,000 (0.0%) $1,989,215 (-0.7%) 0.00 423
2018-10-01 $934,500 (5.4%) $2,035,530 (-2.8%) 0.00 426
2018-11-01 $917,000 (7.9%) $1,998,352 (-4.2%) 0.00 401
2018-12-01 $895,000 (5.3%) $1,836,634 (-8.6%) 0.00 327
2019-01-01 $857,000 (0.8%) $1,685,519 (-10.5%) 0.00 293
2019-02-01 $849,950 (0.7%) $1,647,489 (-11.2%) 0.00 306
2019-03-01 $879,114 (3.6%) $1,746,748 (-10.9%) 0.00 340
2019-04-01 $931,500 (-5.0%) $2,011,802 (-5.1%) 0.00 368
2019-05-01 $997,000 (-1.6%) $2,125,618 (1.1%) 0.00 454
2019-06-01 $979,000 (-4.5%) $2,107,170 (-0.5%) 0.00 485
2019-07-01 $948,900 (-1.4%) $2,107,359 (2.3%) 0.00 496
2019-08-01 $961,571 (5.4%) $2,159,849 (7.2%) 0.00 497
2019-09-01 $998,000 (7.9%) $2,221,612 (11.7%) 0.00 501
2019-10-01 $985,000 (5.4%) $2,325,020 (14.2%) 0.00 505
2019-11-01 $995,000 (8.5%) $2,477,628 (24.0%) 0.00 435
2019-12-01 $997,000 (11.4%) $2,530,787 (37.8%) 0.00 330
2020-01-01 $1,069,000 (24.7%) $2,621,214 (55.5%) 0.00 252
2020-02-01 $1,049,000 (23.4%) $2,467,042 (49.8%) 0.00 293
2020-03-01 $1,149,500 (30.8%) $2,515,596 (44.0%) 0.00 345
2020-04-01 $999,999 (7.4%) $2,423,728 (20.5%) 0.00 316
2020-05-01 $999,000 (0.2%) $2,277,219 (7.1%) 0.00 409
2020-06-01 $1,125,000 (14.9%) $2,409,168 (14.3%) 0.00 393
2020-07-01 $1,197,500 (26.2%) $2,521,540 (19.7%) 0.00 382
2020-08-01 $1,350,000 (40.4%) $2,738,649 (26.8%) 0.00 326
2020-09-01 $1,372,500 (37.5%) $3,030,996 (36.4%) 0.00 322
2020-10-01 $1,300,000 (32.0%) $2,852,962 (22.7%) 0.00 316
2020-11-01 $1,317,500 (32.4%) $2,964,859 (19.7%) 0.00 309
2020-12-01 $1,347,950 (35.2%) $3,055,303 (20.7%) 0.00 246
2021-01-01 $1,295,000 (21.1%) $3,028,902 (15.6%) 0.00 223
2021-02-01 $1,324,500 (26.3%) $3,181,085 (28.9%) 0.00 211
2021-03-01 $1,382,000 (20.2%) $2,905,489 (15.5%) 0.00 216
2021-04-01 $1,382,000 (38.2%) $2,996,678 (23.6%) 0.00 222
2021-05-01 $1,398,000 (39.9%) $3,148,026 (38.2%) 0.00 237
2021-06-01 $1,375,000 (22.2%) $3,222,837 (33.8%) 0.00 277
2021-07-01 $1,297,500 (8.4%) $3,248,446 (28.8%) 0.00 274
2021-08-01 $1,295,000 (-4.1%) $3,230,076 (17.9%) 0.00 275
2021-09-01 $1,395,000 (1.6%) $3,214,875 (6.1%) 0.00 278
2021-10-01 $1,295,000 (-0.4%) $3,146,821 (10.3%) 0.00 275
2021-11-01 $1,442,500 (9.5%) $3,595,586 (21.3%) 0.00 211
2021-12-01 $1,547,000 (14.8%) $3,736,325 (22.3%) 0.00 165
2022-01-01 $1,500,000 (15.8%) $3,464,458 (14.4%) 0.00 130
2022-02-01 $1,499,500 (13.2%) $3,456,061 (8.6%) 0.00 146
2022-03-01 $1,699,500 (23.0%) $3,781,189 (30.1%) 0.00 171
2022-04-01 $1,695,000 (22.7%) $3,679,928 (22.8%) 0.00 200
2022-05-01 $1,700,000 (21.6%) $3,538,303 (12.4%) 0.00 217
2022-06-01 $1,616,500 (17.6%) $3,555,052 (10.3%) 0.00 217
2022-07-01 $1,495,000 (15.2%) $3,375,366 (3.9%) 0.00 248
2022-08-01 $1,524,500 (17.7%) $3,444,994 (6.7%) 0.00 281
Napa's median listing price for 2022-08-01 was $1,524,500, a difference of $229,500 (17.7%) versus the prior year and $29,500 versus the prior month.

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

Napa's average listing price for 2022-08-01 was $3,444,994, a difference of $214,918 (6.7%) versus the prior year and $69,628 versus the prior month.

For the 2022-08-01 period, Napa had 281 MLS listings, a difference of 33 listings (13%) versus the prior month and 6 listings (2%) 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 1,907 sqft
2018-02-01 0 days 1,878 sqft
2018-03-01 0 days 1,905 sqft
2018-04-01 0 days 2,030 sqft
2018-05-01 0 days 2,052 sqft
2018-06-01 0 days 2,087 sqft
2018-07-01 0 days 2,039 sqft
2018-08-01 0 days 2,005 sqft
2018-09-01 0 days 2,051 sqft
2018-10-01 0 days 2,056 sqft
2018-11-01 0 days 1,966 sqft
2018-12-01 0 days 1,956 sqft
2019-01-01 0 days 1,899 sqft
2019-02-01 0 days 1,907 sqft
2019-03-01 0 days 1,952 sqft
2019-04-01 0 days 2,045 sqft
2019-05-01 0 days 2,099 sqft
2019-06-01 0 days 2,037 sqft
2019-07-01 0 days 1,996 sqft
2019-08-01 0 days 1,984 sqft
2019-09-01 0 days 1,976 sqft
2019-10-01 0 days 1,962 sqft
2019-11-01 0 days 2,024 sqft
2019-12-01 0 days 2,064 sqft
2020-01-01 0 days 2,144 sqft
2020-02-01 0 days 2,077 sqft
2020-03-01 0 days 2,115 sqft
2020-04-01 0 days 2,086 sqft
2020-05-01 0 days 2,000 sqft
2020-06-01 0 days 2,106 sqft
2020-07-01 0 days 2,116 sqft
2020-08-01 0 days 2,241 sqft
2020-09-01 0 days 2,231 sqft
2020-10-01 0 days 2,160 sqft
2020-11-01 0 days 2,188 sqft
2020-12-01 0 days 2,117 sqft
2021-01-01 0 days 2,128 sqft
2021-02-01 0 days 2,112 sqft
2021-03-01 0 days 2,121 sqft
2021-04-01 0 days 2,193 sqft
2021-05-01 0 days 2,128 sqft
2021-06-01 0 days 2,066 sqft
2021-07-01 0 days 2,063 sqft
2021-08-01 0 days 2,128 sqft
2021-09-01 0 days 2,171 sqft
2021-10-01 0 days 2,128 sqft
2021-11-01 0 days 2,152 sqft
2021-12-01 0 days 2,177 sqft
2022-01-01 0 days 2,232 sqft
2022-02-01 0 days 2,142 sqft
2022-03-01 0 days 2,269 sqft
2022-04-01 0 days 2,200 sqft
2022-05-01 0 days 2,148 sqft
2022-06-01 0 days 2,118 sqft
2022-07-01 0 days 2,078 sqft
2022-08-01 0 days 2,178 sqft
Napa's median listing age (time on market) for 2022-08-01 was 0 days.

Napa's median square footage for active listings during the 2022-08-01 period was 2,178 sqft. One year prior, the average listing was 2,128 sqft.