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 6.15% for the week of 2023-05-26, compared to the national average (all USDA variants) of 6.63% for the same period.

    Napa's average USDA mortgage closing costs are $0.

    The average rate for the prior week (2023-05-19) was 5.6% and one month ago for the week of 2023-04-21, the average rate was 5.5%.

    The average rate one year ago was 4.62%.

    For refis of the same type during the week of 2023-05-26, the average rate was 5.07%.

    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 2022 Avg. 30yFix Rate 2022 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 (-6.0%) $1,886,352 (5.7%) 0.00 200
    2018-02-01 $849,500 (-6.9%) $1,913,916 (5.4%) 0.00 191
    2018-03-01 $850,000 (-10.1%) $1,991,263 (3.0%) 0.00 236
    2018-04-01 $990,162 (10.6%) $2,127,186 (7.5%) 0.00 262
    2018-05-01 $999,987 (11.7%) $2,159,162 (10.8%) 0.00 320
    2018-06-01 $1,047,000 (18.6%) $2,174,341 (5.6%) 0.00 364
    2018-07-01 $975,000 (8.5%) $2,129,334 (2.7%) 0.00 387
    2018-08-01 $912,250 (0.0%) $2,076,468 (8.5%) 0.00 380
    2018-09-01 $927,450 (1.7%) $2,046,918 (2.0%) 0.00 409
    2018-10-01 $942,000 (6.4%) $2,121,273 (2.5%) 0.00 409
    2018-11-01 $914,850 (7.6%) $2,017,546 (-1.7%) 0.00 384
    2018-12-01 $895,000 (5.3%) $1,847,420 (-8.0%) 0.00 316
    2019-01-01 $858,125 (1.7%) $1,707,519 (-9.5%) 0.00 283
    2019-02-01 $849,713 (0.0%) $1,667,051 (-12.9%) 0.00 293
    2019-03-01 $859,250 (1.1%) $1,770,030 (-11.1%) 0.00 316
    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 $989,000 (8.4%) $2,198,467 (5.9%) 0.00 473
    2019-09-01 $1,059,000 (14.2%) $2,274,862 (11.1%) 0.00 466
    2019-10-01 $949,500 (0.8%) $2,251,477 (6.1%) 0.00 478
    2019-11-01 $973,000 (6.4%) $2,406,471 (19.3%) 0.00 414
    2019-12-01 $948,944 (6.0%) $2,368,169 (28.2%) 0.00 312
    2020-01-01 $995,000 (16.0%) $2,287,673 (34.0%) 0.00 243
    2020-02-01 $995,000 (17.1%) $2,234,091 (34.0%) 0.00 284
    2020-03-01 $1,066,750 (24.2%) $2,279,116 (28.8%) 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 (27.4%) $2,409,199 (9.6%) 0.00 322
    2020-09-01 $1,296,000 (22.4%) $2,693,072 (18.4%) 0.00 310
    2020-10-01 $1,300,000 (36.9%) $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%) $3,147,129 (48.9%) 0.00 239
    2021-06-01 $1,364,750 (25.1%) $3,112,868 (39.8%) 0.00 276
    2021-07-01 $1,295,000 (12.2%) $3,118,514 (34.8%) 0.00 282
    2021-08-01 $1,256,250 (-0.3%) $3,009,074 (24.9%) 0.00 274
    2021-09-01 $1,299,000 (0.2%) $3,017,236 (12.0%) 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 (9.5%) 0.00 215
    2022-06-01 $1,572,500 (15.2%) $3,540,751 (13.8%) 0.00 217
    2022-07-01 $1,489,500 (15.0%) $3,357,098 (7.7%) 0.00 246
    2022-08-01 $1,499,500 (19.4%) $3,399,639 (13.0%) 0.00 273
    2022-09-01 $1,382,500 (6.4%) $3,266,821 (8.3%) 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 $1,237,500 (-17.5%) $2,991,592 (-4.2%) 0.00 173
    2023-02-01 $1,409,250 (-6.0%) $3,028,674 (-3.1%) 0.00 182
    2023-03-01 $1,485,750 (-12.4%) $3,213,563 (-7.7%) 0.00 186
    2023-04-01 $1,662,000 (3.9%) $3,274,484 (-4.3%) 0.00 211
    Napa's median listing price for 2023-04-01 was $1,662,000, a difference of $63,000 (3.9%) versus the prior year and $176,250 versus the prior month.

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

    Napa's average listing price for 2023-04-01 was $3,274,484, a difference of $-145,931 (-4.3%) versus the prior year and $60,921 versus the prior month.

    For the 2023-04-01 period, Napa had 211 MLS listings, a difference of 25 listings (13%) versus the prior month and 17 listings (9%) 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 2,058 sqft
    2018-05-01 0 days 2,058 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 2,048 sqft
    2018-10-01 0 days 2,063 sqft
    2018-11-01 0 days 1,967 sqft
    2018-12-01 0 days 1,954 sqft
    2019-01-01 0 days 1,899 sqft
    2019-02-01 0 days 1,899 sqft
    2019-03-01 0 days 1,924 sqft
    2019-04-01 0 days 2,095 sqft
    2019-05-01 0 days 2,128 sqft
    2019-06-01 0 days 2,117 sqft
    2019-07-01 0 days 2,022 sqft
    2019-08-01 0 days 2,017 sqft
    2019-09-01 0 days 2,007 sqft
    2019-10-01 0 days 1,959 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 2,088 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 2,176 sqft
    2020-12-01 0 days 2,073 sqft
    2021-01-01 0 days 2,112 sqft
    2021-02-01 0 days 2,049 sqft
    2021-03-01 0 days 2,114 sqft
    2021-04-01 0 days 2,131 sqft
    2021-05-01 0 days 2,048 sqft
    2021-06-01 0 days 2,038 sqft
    2021-07-01 0 days 2,016 sqft
    2021-08-01 0 days 2,103 sqft
    2021-09-01 0 days 2,146 sqft
    2021-10-01 0 days 2,036 sqft
    2021-11-01 0 days 2,126 sqft
    2021-12-01 0 days 2,085 sqft
    2022-01-01 0 days 2,055 sqft
    2022-02-01 0 days 2,110 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 2,079 sqft
    2022-10-01 0 days 2,034 sqft
    2022-11-01 0 days 2,094 sqft
    2022-12-01 0 days 2,067 sqft
    2023-01-01 0 days 2,082 sqft
    2023-02-01 0 days 2,119 sqft
    2023-03-01 0 days 2,187 sqft
    2023-04-01 0 days 2,293 sqft
    Napa's median listing age (time on market) for 2023-04-01 was 0 days.

    Napa's median square footage for active listings during the 2023-04-01 period was 2,293 sqft. One year prior, the average listing was 2,166 sqft.