Oakland USDA Loan Rates, Closing Costs & Stats
OAKLAND-BERKELEY-LIVERMORE, 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.
Oakland USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Oakland
averaged
0%
for the week of 2023-12-29, compared to the national average (all USDA variants) of
0% for the same period.
Oakland's average USDA mortgage closing costs are $0.
The average rate for the prior week (2023-12-22) was
0% and
one month ago for the week of 2023-11-24, the
average rate was 0%.
The average rate one year ago was 0%.
For refis of the same type during the week of 2023-12-29, the average rate
was 0%.
Oakland 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 Oakland level.
Name | # of Loans | 2022 Avg. 30yFix Rate | 2022 Avg. Closing Costs |
---|
The lowest fee Oakland USDA lenders (with over 10 loans originated) are
.
The lowest rate Oakland USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Oakland (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $843,722 (6.9%) | $1,502,824 (14.4%) | 3.13 | 2,294 |
2018-02-01 | $898,500 (6.4%) | $1,547,349 (12.0%) | 3.27 | 2,716 |
2018-03-01 | $949,000 (6.2%) | $1,582,709 (10.9%) | 3.33 | 3,122 |
2018-04-01 | $986,856 (9.8%) | $1,610,256 (8.0%) | 3.35 | 3,620 |
2018-05-01 | $996,500 (10.7%) | $1,616,309 (8.3%) | 3.33 | 4,074 |
2018-06-01 | $988,000 (9.5%) | $1,574,946 (5.8%) | 3.29 | 4,494 |
2018-07-01 | $927,500 (6.0%) | $1,481,278 (3.6%) | 3.10 | 4,809 |
2018-08-01 | $889,000 (4.7%) | $1,383,831 (-0.7%) | 2.98 | 4,925 |
2018-09-01 | $899,000 (2.8%) | $1,401,721 (-4.5%) | 3.02 | 5,961 |
2018-10-01 | $899,000 (0.0%) | $1,409,951 (-8.1%) | 3.05 | 6,158 |
2018-11-01 | $890,000 (-1.0%) | $1,429,127 (-8.0%) | 3.02 | 5,844 |
2018-12-01 | $849,950 (-3.3%) | $1,339,459 (-16.4%) | 2.93 | 4,174 |
2019-01-01 | $831,417 (-1.5%) | $1,301,294 (-13.4%) | 2.87 | 3,563 |
2019-02-01 | $887,000 (-1.3%) | $1,416,770 (-8.4%) | 3.00 | 4,084 |
2019-03-01 | $916,429 (-3.4%) | $1,481,212 (-6.4%) | 3.00 | 4,499 |
2019-04-01 | $947,000 (-4.0%) | $1,548,778 (-3.8%) | 3.01 | 4,891 |
2019-05-01 | $968,625 (-2.8%) | $1,495,281 (-7.5%) | 3.03 | 5,465 |
2019-06-01 | $959,950 (-2.8%) | $1,484,044 (-5.8%) | 3.00 | 5,927 |
2019-07-01 | $927,000 (-0.1%) | $1,529,948 (3.3%) | 2.90 | 5,830 |
2019-08-01 | $919,182 (3.4%) | $1,548,979 (11.9%) | 2.91 | 5,902 |
2019-09-01 | $935,955 (4.1%) | $1,536,080 (9.6%) | 3.00 | 6,015 |
2019-10-01 | $949,500 (5.6%) | $1,533,683 (8.8%) | 3.06 | 6,075 |
2019-11-01 | $949,000 (6.6%) | $1,609,486 (12.6%) | 3.11 | 4,960 |
2019-12-01 | $899,000 (5.8%) | $1,686,148 (25.9%) | 3.00 | 2,990 |
2020-01-01 | $893,500 (7.5%) | $1,699,296 (30.6%) | 2.99 | 2,563 |
2020-02-01 | $997,000 (12.4%) | $1,747,168 (23.3%) | 3.27 | 3,088 |
2020-03-01 | $998,944 (9.0%) | $1,709,858 (15.4%) | 3.13 | 3,526 |
2020-04-01 | $958,219 (1.2%) | $1,534,690 (-0.9%) | 3.00 | 3,419 |
2020-05-01 | $999,888 (3.2%) | $1,610,995 (7.7%) | 3.04 | 4,583 |
2020-06-01 | $1,078,750 (12.4%) | $1,662,007 (12.0%) | 3.18 | 4,952 |
2020-07-01 | $1,091,500 (17.8%) | $1,679,555 (9.8%) | 3.16 | 5,062 |
2020-08-01 | $1,050,000 (14.2%) | $1,673,332 (8.0%) | 3.01 | 5,205 |
2020-09-01 | $1,052,254 (12.4%) | $1,676,293 (9.1%) | 3.02 | 5,405 |
2020-10-01 | $1,070,000 (12.7%) | $1,673,373 (9.1%) | 3.07 | 5,810 |
2020-11-01 | $1,049,000 (10.5%) | $1,662,686 (3.3%) | 3.07 | 5,172 |
2020-12-01 | $998,250 (11.0%) | $1,709,651 (1.4%) | 2.97 | 3,718 |
2021-01-01 | $989,000 (10.7%) | $1,747,046 (2.8%) | 2.95 | 3,040 |
2021-02-01 | $999,498 (0.3%) | $1,773,068 (1.5%) | 2.91 | 3,232 |
2021-03-01 | $1,014,248 (1.5%) | $1,857,888 (8.7%) | 2.88 | 3,374 |
2021-04-01 | $1,049,500 (9.5%) | $1,865,405 (21.6%) | 2.84 | 3,460 |
2021-05-01 | $1,079,950 (8.0%) | $1,871,223 (16.2%) | 2.87 | 3,498 |
2021-06-01 | $1,062,750 (-1.5%) | $1,795,464 (8.0%) | 2.80 | 3,903 |
2021-07-01 | $999,000 (-8.5%) | $1,685,560 (0.4%) | 2.64 | 4,248 |
2021-08-01 | $995,000 (-5.2%) | $1,642,265 (-1.9%) | 2.65 | 4,270 |
2021-09-01 | $993,500 (-5.6%) | $1,695,927 (1.2%) | 2.65 | 4,607 |
2021-10-01 | $997,000 (-6.8%) | $1,757,446 (5.0%) | 2.66 | 4,573 |
2021-11-01 | $983,750 (-6.2%) | $1,869,686 (12.5%) | 2.63 | 3,551 |
2021-12-01 | $949,000 (-4.9%) | $1,843,955 (7.9%) | 2.57 | 2,331 |
2022-01-01 | $949,000 (-4.0%) | $1,751,443 (0.3%) | 2.57 | 2,034 |
2022-02-01 | $992,000 (-0.8%) | $1,754,521 (-1.1%) | 2.58 | 2,482 |
2022-03-01 | $1,047,000 (3.2%) | $1,732,238 (-6.8%) | 2.62 | 3,008 |
2022-04-01 | $1,098,000 (4.6%) | $1,752,732 (-6.0%) | 2.62 | 3,395 |
2022-05-01 | $1,124,000 (4.1%) | $1,732,039 (-7.4%) | 2.57 | 4,616 |
2022-06-01 | $1,145,000 (7.7%) | $1,718,474 (-4.3%) | 2.55 | 5,680 |
2022-07-01 | $1,098,000 (9.9%) | $1,625,718 (-3.6%) | 2.47 | 6,245 |
2022-08-01 | $1,043,000 (4.8%) | $1,568,124 (-4.5%) | 2.41 | 5,969 |
2022-09-01 | $1,089,472 (9.7%) | $1,647,500 (-2.9%) | 2.55 | 5,923 |
2022-10-01 | $1,090,000 (9.3%) | $1,692,438 (-3.7%) | 2.56 | 6,027 |
2022-11-01 | $1,037,000 (5.4%) | $1,691,238 (-9.5%) | 2.49 | 5,369 |
2022-12-01 | $993,000 (4.6%) | $1,665,404 (-9.7%) | 2.45 | 3,656 |
2023-01-01 | $978,500 (3.1%) | $1,644,202 (-6.1%) | 2.43 | 2,987 |
2023-02-01 | $1,002,500 (1.1%) | $1,758,580 (0.2%) | 2.42 | 3,089 |
2023-03-01 | $1,080,250 (3.2%) | $1,802,443 (4.1%) | 2.55 | 3,163 |
2023-04-01 | $1,150,000 (4.7%) | $1,884,965 (7.5%) | 2.67 | 3,341 |
2023-05-01 | $1,178,000 (4.8%) | $1,938,740 (11.9%) | 2.67 | 3,691 |
2023-06-01 | $1,150,000 (0.4%) | $1,939,040 (12.8%) | 2.58 | 3,977 |
2023-07-01 | $1,100,000 (0.2%) | $1,836,455 (13.0%) | 2.50 | 4,040 |
2023-08-01 | $1,049,444 (0.6%) | $1,729,983 (10.3%) | 2.41 | 4,093 |
2023-09-01 | $1,095,000 (0.5%) | $1,758,073 (6.7%) | 2.55 | 4,813 |
2023-10-01 | $1,098,000 (0.7%) | $1,768,808 (4.5%) | 2.58 | 5,053 |
2023-11-01 | $1,067,000 (2.9%) | $1,755,081 (3.8%) | 2.54 | 4,671 |
Oakland's median listing price comes in at 254% of the national average.
Oakland's average listing price for 2023-11-01 was $1,755,081, a difference of $63,843 (3.8%) versus the prior year and $-13,727 versus the prior month.
For the 2023-11-01 period, Oakland had 4,671 MLS listings, a difference of -382 listings (-8%) versus the prior month and -698 listings (-13%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Oakland (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 30 days | 1,720 sqft |
2018-02-01 | 19 days | 1,744 sqft |
2018-03-01 | 21 days | 1,763 sqft |
2018-04-01 | 22 days | 1,798 sqft |
2018-05-01 | 21 days | 1,811 sqft |
2018-06-01 | 24 days | 1,785 sqft |
2018-07-01 | 29 days | 1,743 sqft |
2018-08-01 | 29 days | 1,714 sqft |
2018-09-01 | 26 days | 1,698 sqft |
2018-10-01 | 31 days | 1,694 sqft |
2018-11-01 | 37 days | 1,664 sqft |
2018-12-01 | 50 days | 1,620 sqft |
2019-01-01 | 48 days | 1,604 sqft |
2019-02-01 | 26 days | 1,642 sqft |
2019-03-01 | 28 days | 1,712 sqft |
2019-04-01 | 26 days | 1,779 sqft |
2019-05-01 | 26 days | 1,821 sqft |
2019-06-01 | 31 days | 1,795 sqft |
2019-07-01 | 36 days | 1,763 sqft |
2019-08-01 | 36 days | 1,746 sqft |
2019-09-01 | 35 days | 1,723 sqft |
2019-10-01 | 36 days | 1,705 sqft |
2019-11-01 | 49 days | 1,697 sqft |
2019-12-01 | 66 days | 1,708 sqft |
2020-01-01 | 53 days | 1,682 sqft |
2020-02-01 | 23 days | 1,720 sqft |
2020-03-01 | 24 days | 1,754 sqft |
2020-04-01 | 38 days | 1,756 sqft |
2020-05-01 | 31 days | 1,760 sqft |
2020-06-01 | 31 days | 1,712 sqft |
2020-07-01 | 33 days | 1,635 sqft |
2020-08-01 | 36 days | 1,586 sqft |
2020-09-01 | 36 days | 1,549 sqft |
2020-10-01 | 34 days | 1,540 sqft |
2020-11-01 | 45 days | 1,518 sqft |
2020-12-01 | 56 days | 1,489 sqft |
2021-01-01 | 49 days | 1,462 sqft |
2021-02-01 | 28 days | 1,482 sqft |
2021-03-01 | 29 days | 1,524 sqft |
2021-04-01 | 29 days | 1,549 sqft |
2021-05-01 | 27 days | 1,575 sqft |
2021-06-01 | 27 days | 1,556 sqft |
2021-07-01 | 26 days | 1,548 sqft |
2021-08-01 | 29 days | 1,546 sqft |
2021-09-01 | 28 days | 1,533 sqft |
2021-10-01 | 30 days | 1,515 sqft |
2021-11-01 | 39 days | 1,498 sqft |
2021-12-01 | 47 days | 1,454 sqft |
2022-01-01 | 37 days | 1,420 sqft |
2022-02-01 | 18 days | 1,453 sqft |
2022-03-01 | 22 days | 1,507 sqft |
2022-04-01 | 23 days | 1,537 sqft |
2022-05-01 | 22 days | 1,572 sqft |
2022-06-01 | 24 days | 1,600 sqft |
2022-07-01 | 31 days | 1,584 sqft |
2022-08-01 | 36 days | 1,571 sqft |
2022-09-01 | 38 days | 1,594 sqft |
2022-10-01 | 37 days | 1,607 sqft |
2022-11-01 | 46 days | 1,593 sqft |
2022-12-01 | 61 days | 1,562 sqft |
2023-01-01 | 62 days | 1,552 sqft |
2023-02-01 | 33 days | 1,557 sqft |
2023-03-01 | 34 days | 1,574 sqft |
2023-04-01 | 31 days | 1,625 sqft |
2023-05-01 | 31 days | 1,639 sqft |
2023-06-01 | 32 days | 1,632 sqft |
2023-07-01 | 34 days | 1,620 sqft |
2023-08-01 | 33 days | 1,595 sqft |
2023-09-01 | 29 days | 1,590 sqft |
2023-10-01 | 35 days | 1,578 sqft |
2023-11-01 | 42 days | 1,565 sqft |
Oakland's median square footage for active listings during the 2023-11-01 period was 1,565 sqft. One year prior, the average listing was 1,593 sqft.