Napa USDA Loans

NAPA, CA

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.