New Haven USDA Loan Rates, Closing Costs & Stats
NEW HAVEN-MILFORD, CT
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.
New Haven USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in New Haven
averaged
0%
for the week of 2026-10-09, compared to the national average (all USDA variants) of
7.147% for the same period.
New Haven's average USDA mortgage closing costs are $7,356.
The average rate for the prior week (2026-10-02) was
0% and
one month ago for the week of 2026-09-04, the
average rate was 0%.
The average rate one year ago was 0%.
For refis of the same type during the week of 2026-10-09, the average rate
was 0%.
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.
New Haven 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 New Haven level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|
The lowest fee New Haven USDA lenders (with over 10 loans originated) are
.
The lowest rate New Haven USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - New Haven (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 | $277,250 (7.1%) | $464,125 (12.4%) | 1.03 | 1,772 |
| 2018-02-01 | $282,450 (5.8%) | $476,159 (14.8%) | 1.03 | 1,750 |
| 2018-03-01 | $294,900 (6.5%) | $482,061 (15.9%) | 1.03 | 1,855 |
| 2018-04-01 | $304,500 (6.8%) | $467,405 (10.2%) | 1.03 | 1,931 |
| 2018-05-01 | $314,500 (8.6%) | $439,383 (1.3%) | 1.05 | 2,073 |
| 2018-06-01 | $319,000 (10.1%) | $433,889 (-4.2%) | 1.06 | 2,192 |
| 2018-07-01 | $314,950 (8.6%) | $446,156 (-1.2%) | 1.05 | 2,254 |
| 2018-08-01 | $309,950 (7.0%) | $424,131 (-5.7%) | 1.04 | 2,292 |
| 2018-09-01 | $309,000 (6.9%) | $427,709 (-5.7%) | 1.04 | 2,294 |
| 2018-10-01 | $299,575 (3.3%) | $426,596 (-5.8%) | 1.01 | 2,261 |
| 2018-11-01 | $289,000 (2.3%) | $415,535 (-7.8%) | 0.98 | 2,147 |
| 2018-12-01 | $279,900 (0.0%) | $410,706 (-9.4%) | 0.97 | 1,928 |
| 2019-01-01 | $277,900 (0.2%) | $408,861 (-11.9%) | 0.96 | 1,731 |
| 2019-02-01 | $282,400 (0.0%) | $411,486 (-13.6%) | 0.95 | 1,725 |
| 2019-03-01 | $295,336 (0.2%) | $422,669 (-12.3%) | 0.97 | 1,816 |
| 2019-04-01 | $312,125 (2.5%) | $434,738 (-7.0%) | 0.99 | 1,893 |
| 2019-05-01 | $307,225 (-2.3%) | $432,577 (-1.6%) | 0.96 | 2,000 |
| 2019-06-01 | $309,000 (-3.1%) | $430,274 (-0.8%) | 0.97 | 2,061 |
| 2019-07-01 | $307,450 (-2.4%) | $431,866 (-3.2%) | 0.96 | 2,052 |
| 2019-08-01 | $299,655 (-3.3%) | $424,842 (0.2%) | 0.95 | 2,012 |
| 2019-09-01 | $299,286 (-3.1%) | $420,838 (-1.6%) | 0.96 | 1,929 |
| 2019-10-01 | $298,500 (-0.4%) | $418,168 (-2.0%) | 0.96 | 1,854 |
| 2019-11-01 | $289,900 (0.3%) | $407,550 (-1.9%) | 0.95 | 1,691 |
| 2019-12-01 | $289,225 (3.3%) | $409,268 (-0.4%) | 0.96 | 1,452 |
| 2020-01-01 | $287,400 (3.4%) | $411,134 (0.6%) | 0.96 | 1,261 |
| 2020-02-01 | $299,000 (5.9%) | $425,471 (3.4%) | 0.98 | 1,214 |
| 2020-03-01 | $319,000 (8.0%) | $441,404 (4.4%) | 1.00 | 1,250 |
| 2020-04-01 | $314,900 (0.9%) | $445,208 (2.4%) | 0.99 | 1,252 |
| 2020-05-01 | $325,000 (5.8%) | $463,012 (7.0%) | 0.99 | 1,147 |
| 2020-06-01 | $342,175 (10.7%) | $494,944 (15.0%) | 1.01 | 1,011 |
| 2020-07-01 | $359,800 (17.0%) | $511,012 (18.3%) | 1.04 | 978 |
| 2020-08-01 | $352,000 (17.5%) | $510,883 (20.3%) | 1.01 | 1,001 |
| 2020-09-01 | $334,950 (11.9%) | $508,923 (20.9%) | 0.96 | 1,022 |
| 2020-10-01 | $334,900 (12.2%) | $504,552 (20.7%) | 0.96 | 998 |
| 2020-11-01 | $329,925 (13.8%) | $497,870 (22.2%) | 0.96 | 933 |
| 2020-12-01 | $329,900 (14.1%) | $507,386 (24.0%) | 0.98 | 818 |
| 2021-01-01 | $340,000 (18.3%) | $520,685 (26.7%) | 1.01 | 656 |
| 2021-02-01 | $337,861 (13.0%) | $523,541 (23.1%) | 0.98 | 532 |
| 2021-03-01 | $341,700 (7.1%) | $544,316 (23.3%) | 0.97 | 535 |
| 2021-04-01 | $359,450 (14.2%) | $572,826 (28.7%) | 0.97 | 559 |
| 2021-05-01 | $349,700 (7.6%) | $562,544 (21.5%) | 0.93 | 644 |
| 2021-06-01 | $344,500 (0.7%) | $551,858 (11.5%) | 0.91 | 743 |
| 2021-07-01 | $349,900 (-2.8%) | $559,318 (9.5%) | 0.92 | 818 |
| 2021-08-01 | $349,925 (-0.6%) | $531,247 (4.0%) | 0.93 | 900 |
| 2021-09-01 | $344,998 (3.0%) | $521,112 (2.4%) | 0.92 | 897 |
| 2021-10-01 | $354,900 (6.0%) | $528,801 (4.8%) | 0.95 | 866 |
| 2021-11-01 | $349,975 (6.1%) | $515,811 (3.6%) | 0.94 | 710 |
| 2021-12-01 | $340,950 (3.4%) | $510,414 (0.6%) | 0.92 | 577 |
| 2022-01-01 | $349,900 (2.9%) | $534,968 (2.7%) | 0.95 | 448 |
| 2022-02-01 | $375,000 (11.0%) | $572,009 (9.3%) | 0.98 | 389 |
| 2022-03-01 | $377,450 (10.5%) | $555,969 (2.1%) | 0.94 | 390 |
| 2022-04-01 | $369,900 (2.9%) | $567,922 (-0.9%) | 0.88 | 447 |
| 2022-05-01 | $370,225 (5.9%) | $545,369 (-3.1%) | 0.85 | 553 |
| 2022-06-01 | $379,900 (10.3%) | $544,252 (-1.4%) | 0.85 | 620 |
| 2022-07-01 | $379,900 (8.6%) | $537,717 (-3.9%) | 0.86 | 688 |
| 2022-08-01 | $384,900 (10.0%) | $530,214 (-0.2%) | 0.89 | 694 |
| 2022-09-01 | $379,675 (10.1%) | $537,842 (3.2%) | 0.89 | 720 |
| 2022-10-01 | $359,900 (1.4%) | $533,048 (0.8%) | 0.85 | 743 |
| 2022-11-01 | $369,950 (5.7%) | $527,289 (2.2%) | 0.89 | 721 |
| 2022-12-01 | $375,000 (10.0%) | $524,132 (2.7%) | 0.93 | 593 |
| 2023-01-01 | $382,475 (9.3%) | $530,758 (-0.8%) | 0.95 | 458 |
| 2023-02-01 | $387,450 (3.3%) | $547,830 (-4.2%) | 0.94 | 409 |
| 2023-03-01 | $399,900 (6.0%) | $587,386 (5.7%) | 0.94 | 414 |
| 2023-04-01 | $409,900 (10.8%) | $598,171 (5.3%) | 0.95 | 430 |
| 2023-05-01 | $439,500 (18.7%) | $604,487 (10.8%) | 1.00 | 486 |
| 2023-06-01 | $429,900 (13.2%) | $637,360 (17.1%) | 0.97 | 505 |
| 2023-07-01 | $450,000 (18.5%) | $691,040 (28.5%) | 1.02 | 494 |
| 2023-08-01 | $425,000 (10.4%) | $633,528 (19.5%) | 0.98 | 501 |
| 2023-09-01 | $420,000 (10.6%) | $611,626 (13.7%) | 0.98 | 574 |
| 2023-10-01 | $422,500 (17.4%) | $613,616 (15.1%) | 0.99 | 586 |
| 2023-11-01 | $409,725 (10.8%) | $599,235 (13.6%) | 0.98 | 567 |
| 2023-12-01 | $399,900 (6.6%) | $588,584 (12.3%) | 0.98 | 483 |
| 2024-01-01 | $409,725 (7.1%) | $595,975 (12.3%) | 1.00 | 454 |
| 2024-02-01 | $416,000 (7.4%) | $608,438 (11.1%) | 1.00 | 433 |
| 2024-03-01 | $409,900 (2.5%) | $600,411 (2.2%) | 0.96 | 432 |
| 2024-04-01 | $425,000 (3.7%) | $645,327 (7.9%) | 0.99 | 513 |
| 2024-05-01 | $449,450 (2.3%) | $672,757 (11.3%) | 1.02 | 538 |
| 2024-06-01 | $450,000 (4.7%) | $772,435 (21.2%) | 1.02 | 563 |
| 2024-07-01 | $451,200 (0.3%) | $747,805 (8.2%) | 1.03 | 616 |
| 2024-08-01 | $485,000 (14.1%) | $788,836 (24.5%) | 1.13 | 653 |
| 2024-09-01 | $466,337 (11.0%) | $757,990 (23.9%) | 1.10 | 700 |
| 2024-10-01 | $444,200 (5.1%) | $739,483 (20.5%) | 1.05 | 711 |
| 2024-11-01 | $449,000 (9.6%) | $749,638 (25.1%) | 1.08 | 666 |
| 2024-12-01 | $448,975 (12.3%) | $755,627 (28.4%) | 1.11 | 562 |
| 2025-01-01 | $439,950 (7.4%) | $787,972 (32.2%) | 1.10 | 493 |
| 2025-02-01 | $457,500 (10.0%) | $846,711 (39.2%) | 1.11 | 457 |
| 2025-03-01 | $460,000 (12.2%) | $727,771 (21.2%) | 1.08 | 511 |
| 2025-04-01 | $462,400 (8.8%) | $720,934 (11.7%) | 1.07 | 551 |
| 2025-05-01 | $480,000 (6.8%) | $798,928 (18.8%) | 1.09 | 613 |
| 2025-06-01 | $498,625 (10.8%) | $807,961 (4.6%) | 1.13 | 618 |
| 2025-07-01 | $497,750 (10.3%) | $777,333 (4.0%) | 1.13 | 672 |
| 2025-08-01 | $479,950 (-1.0%) | $755,240 (-4.3%) | 1.12 | 693 |
| 2025-09-01 | $472,475 (1.3%) | $758,388 (0.1%) | 1.11 | 710 |
| 2025-10-01 | $459,700 (3.5%) | $737,758 (-0.2%) | 1.08 | 768 |
| 2025-11-01 | $438,250 (-2.4%) | $712,066 (-5.0%) | 1.06 | 691 |
| 2025-12-01 | $434,475 (-3.2%) | $717,141 (-5.1%) | 1.09 | 569 |
| 2026-01-01 | $424,950 (-3.4%) | $735,190 (-6.7%) | 1.06 | 487 |
| 2026-02-01 | $409,725 (-10.4%) | $750,031 (-11.4%) | 1.01 | 473 |
| 2026-03-01 | $427,450 (-7.1%) | $760,867 (4.6%) | 1.03 | 513 |
| 2026-04-01 | $442,450 (-4.3%) | $678,509 (-5.9%) | 1.04 | 606 |
| 2026-05-01 | $460,000 (-4.2%) | $726,069 (-9.1%) | 1.07 | 688 |
| 2026-06-01 | $455,000 (-8.8%) | $717,403 (-11.2%) | 1.06 | 755 |
| 2026-07-01 | $457,500 (-8.1%) | $699,885 (-10.0%) | 1.07 | 790 |
| 2026-08-01 | $449,000 (-6.5%) | $686,830 (-9.1%) | 1.06 | 802 |
| 2026-09-01 | $425,000 (-10.1%) | $658,426 (-13.2%) | 0.00 | 852 |
New Haven's median listing price for 2026-09-01 was $425,000, a difference of
$-47,475
(-10.1%) versus the prior year and
$-24,000 versus the prior month.
New Haven's median listing price comes in at 0% of the national average.
New Haven's average listing price for 2026-09-01 was $658,426, a difference of $-99,962 (-13.2%) versus the prior year and $-28,404 versus the prior month.
For the 2026-09-01 period, New Haven had 852 MLS listings, a difference of 50 listings (6%) versus the prior month and 142 listings (20%) versus the prior year.
New Haven's median listing price comes in at 0% of the national average.
New Haven's average listing price for 2026-09-01 was $658,426, a difference of $-99,962 (-13.2%) versus the prior year and $-28,404 versus the prior month.
For the 2026-09-01 period, New Haven had 852 MLS listings, a difference of 50 listings (6%) versus the prior month and 142 listings (20%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - New Haven (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 93 days | 1,614 sqft |
| 2018-02-01 | 85 days | 1,622 sqft |
| 2018-03-01 | 60 days | 1,657 sqft |
| 2018-04-01 | 52 days | 1,702 sqft |
| 2018-05-01 | 48 days | 1,719 sqft |
| 2018-06-01 | 51 days | 1,715 sqft |
| 2018-07-01 | 59 days | 1,700 sqft |
| 2018-08-01 | 65 days | 1,684 sqft |
| 2018-09-01 | 68 days | 1,690 sqft |
| 2018-10-01 | 72 days | 1,676 sqft |
| 2018-11-01 | 76 days | 1,632 sqft |
| 2018-12-01 | 89 days | 1,625 sqft |
| 2019-01-01 | 94 days | 1,609 sqft |
| 2019-02-01 | 89 days | 1,607 sqft |
| 2019-03-01 | 66 days | 1,660 sqft |
| 2019-04-01 | 48 days | 1,728 sqft |
| 2019-05-01 | 47 days | 1,761 sqft |
| 2019-06-01 | 51 days | 1,848 sqft |
| 2019-07-01 | 61 days | 1,849 sqft |
| 2019-08-01 | 66 days | 1,833 sqft |
| 2019-09-01 | 70 days | 1,826 sqft |
| 2019-10-01 | 73 days | 1,821 sqft |
| 2019-11-01 | 74 days | 1,802 sqft |
| 2019-12-01 | 82 days | 1,780 sqft |
| 2020-01-01 | 85 days | 1,762 sqft |
| 2020-02-01 | 75 days | 1,800 sqft |
| 2020-03-01 | 48 days | 1,846 sqft |
| 2020-04-01 | 54 days | 1,817 sqft |
| 2020-05-01 | 65 days | 1,856 sqft |
| 2020-06-01 | 46 days | 1,900 sqft |
| 2020-07-01 | 39 days | 1,919 sqft |
| 2020-08-01 | 36 days | 1,896 sqft |
| 2020-09-01 | 39 days | 1,826 sqft |
| 2020-10-01 | 43 days | 1,848 sqft |
| 2020-11-01 | 47 days | 1,839 sqft |
| 2020-12-01 | 53 days | 1,821 sqft |
| 2021-01-01 | 66 days | 1,800 sqft |
| 2021-02-01 | 60 days | 1,767 sqft |
| 2021-03-01 | 24 days | 1,762 sqft |
| 2021-04-01 | 27 days | 1,815 sqft |
| 2021-05-01 | 23 days | 1,768 sqft |
| 2021-06-01 | 24 days | 1,696 sqft |
| 2021-07-01 | 28 days | 1,692 sqft |
| 2021-08-01 | 32 days | 1,601 sqft |
| 2021-09-01 | 36 days | 1,586 sqft |
| 2021-10-01 | 42 days | 1,616 sqft |
| 2021-11-01 | 50 days | 1,581 sqft |
| 2021-12-01 | 55 days | 1,579 sqft |
| 2022-01-01 | 65 days | 1,589 sqft |
| 2022-02-01 | 38 days | 1,621 sqft |
| 2022-03-01 | 20 days | 1,621 sqft |
| 2022-04-01 | 15 days | 1,576 sqft |
| 2022-05-01 | 16 days | 1,595 sqft |
| 2022-06-01 | 18 days | 1,621 sqft |
| 2022-07-01 | 25 days | 1,611 sqft |
| 2022-08-01 | 29 days | 1,813 sqft |
| 2022-09-01 | 36 days | 1,827 sqft |
| 2022-10-01 | 36 days | 1,797 sqft |
| 2022-11-01 | 42 days | 1,812 sqft |
| 2022-12-01 | 53 days | 1,784 sqft |
| 2023-01-01 | 63 days | 1,740 sqft |
| 2023-02-01 | 43 days | 1,672 sqft |
| 2023-03-01 | 28 days | 1,831 sqft |
| 2023-04-01 | 25 days | 1,797 sqft |
| 2023-05-01 | 22 days | 1,852 sqft |
| 2023-06-01 | 25 days | 1,797 sqft |
| 2023-07-01 | 26 days | 1,804 sqft |
| 2023-08-01 | 40 days | 1,782 sqft |
| 2023-09-01 | 36 days | 1,791 sqft |
| 2023-10-01 | 39 days | 1,805 sqft |
| 2023-11-01 | 46 days | 1,751 sqft |
| 2023-12-01 | 53 days | 1,790 sqft |
| 2024-01-01 | 56 days | 1,798 sqft |
| 2024-02-01 | 45 days | 1,755 sqft |
| 2024-03-01 | 38 days | 1,689 sqft |
| 2024-04-01 | 31 days | 1,645 sqft |
| 2024-05-01 | 27 days | 1,632 sqft |
| 2024-06-01 | 36 days | 1,675 sqft |
| 2024-07-01 | 36 days | 1,616 sqft |
| 2024-08-01 | 37 days | 1,612 sqft |
| 2024-09-01 | 41 days | 1,608 sqft |
| 2024-10-01 | 39 days | 1,553 sqft |
| 2024-11-01 | 47 days | 1,560 sqft |
| 2024-12-01 | 58 days | 1,564 sqft |
| 2025-01-01 | 62 days | 1,470 sqft |
| 2025-02-01 | 54 days | 1,501 sqft |
| 2025-03-01 | 42 days | 1,495 sqft |
| 2025-04-01 | 36 days | 1,477 sqft |
| 2025-05-01 | 34 days | 1,555 sqft |
| 2025-06-01 | 37 days | 1,619 sqft |
| 2025-07-01 | 37 days | 1,723 sqft |
| 2025-08-01 | 37 days | 1,716 sqft |
| 2025-09-01 | 40 days | 1,695 sqft |
| 2025-10-01 | 38 days | 1,758 sqft |
| 2025-11-01 | 45 days | 1,624 sqft |
| 2025-12-01 | 56 days | 1,616 sqft |
| 2026-01-01 | 60 days | 1,560 sqft |
| 2026-02-01 | 43 days | 1,538 sqft |
| 2026-03-01 | 38 days | 1,576 sqft |
| 2026-04-01 | 31 days | 1,587 sqft |
| 2026-05-01 | 31 days | 1,672 sqft |
| 2026-06-01 | 35 days | 1,644 sqft |
| 2026-07-01 | 39 days | 1,635 sqft |
| 2026-08-01 | 44 days | 1,638 sqft |
| 2026-09-01 | 0 days | 1,603 sqft |
New Haven's median listing age (time on market) for 2026-09-01 was 0 days.
This
is -100%
shorter
than the same period one year ago.
New Haven's median square footage for active listings during the 2026-09-01 period was 1,603 sqft. One year prior, the average listing was 1,695 sqft.
New Haven's median square footage for active listings during the 2026-09-01 period was 1,603 sqft. One year prior, the average listing was 1,695 sqft.