Oxnard USDA Loan Rates, Closing Costs & Stats

OXNARD-THOUSAND OAKS-VENTURA, 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.

Oxnard USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Oxnard averaged 6.8% for the week of 2024-05-10, compared to the national average (all USDA variants) of 6.785% for the same period.

Oxnard's average USDA mortgage closing costs are $10,041.

The average rate for the prior week (2024-05-03) was 6.59% and one month ago for the week of 2024-04-05, the average rate was 6.65%.

The average rate one year ago was 6.23%.

For refis of the same type during the week of 2024-05-10, the average rate was 6.57%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Oxnard 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 Oxnard level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs

The lowest fee Oxnard USDA lenders (with over 10 loans originated) are .

The lowest rate Oxnard USDA lenders (with over 10 loans originated) are .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Oxnard (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 $748,350 (5.4%) $1,408,395 (12.3%) 2.77 1,068
2018-02-01 $738,000 (-2.1%) $1,367,883 (4.6%) 2.68 1,155
2018-03-01 $729,900 (-4.6%) $1,328,219 (0.5%) 2.56 1,288
2018-04-01 $750,000 (-2.5%) $1,363,833 (2.9%) 2.54 1,411
2018-05-01 $741,725 (-2.2%) $1,322,529 (3.2%) 2.48 1,607
2018-06-01 $739,000 (-1.5%) $1,282,303 (2.7%) 2.46 1,759
2018-07-01 $739,450 (-2.1%) $1,249,036 (0.2%) 2.47 1,884
2018-08-01 $717,450 (-4.2%) $1,207,856 (-0.1%) 2.40 1,956
2018-09-01 $699,000 (-6.8%) $1,165,838 (-3.3%) 2.35 2,012
2018-10-01 $696,112 (-8.1%) $1,142,578 (-11.2%) 2.36 1,975
2018-11-01 $684,500 (-8.7%) $1,142,143 (-11.4%) 2.32 1,905
2018-12-01 $680,000 (-9.3%) $1,170,638 (-12.1%) 2.35 1,666
2019-01-01 $683,500 (-8.7%) $1,187,763 (-15.7%) 2.36 1,553
2019-02-01 $682,500 (-7.5%) $1,207,077 (-11.8%) 2.31 1,517
2019-03-01 $691,386 (-5.3%) $1,190,675 (-10.4%) 2.26 1,586
2019-04-01 $699,450 (-6.7%) $1,159,312 (-15.0%) 2.22 1,679
2019-05-01 $701,250 (-5.5%) $1,158,950 (-12.4%) 2.19 1,798
2019-06-01 $719,900 (-2.6%) $1,179,301 (-8.0%) 2.25 1,849
2019-07-01 $731,850 (-1.0%) $1,193,959 (-4.4%) 2.29 1,868
2019-08-01 $737,909 (2.9%) $1,180,203 (-2.3%) 2.34 1,788
2019-09-01 $749,773 (7.3%) $1,195,174 (2.5%) 2.40 1,658
2019-10-01 $753,182 (8.2%) $1,205,155 (5.5%) 2.43 1,571
2019-11-01 $725,000 (5.9%) $1,174,197 (2.8%) 2.38 1,531
2019-12-01 $757,500 (11.4%) $1,280,148 (9.4%) 2.53 1,219
2020-01-01 $783,213 (14.6%) $1,316,301 (10.8%) 2.62 1,138
2020-02-01 $795,000 (16.5%) $1,333,271 (10.5%) 2.60 1,126
2020-03-01 $812,238 (17.5%) $1,343,619 (12.9%) 2.55 1,143
2020-04-01 $772,475 (10.4%) $1,243,862 (7.3%) 2.42 1,227
2020-05-01 $792,500 (13.0%) $1,263,061 (9.0%) 2.41 1,322
2020-06-01 $811,225 (12.7%) $1,301,721 (10.4%) 2.39 1,206
2020-07-01 $827,000 (13.0%) $1,347,027 (12.8%) 2.40 1,086
2020-08-01 $829,000 (12.3%) $1,382,900 (17.2%) 2.38 955
2020-09-01 $849,000 (13.2%) $1,440,603 (20.5%) 2.43 875
2020-10-01 $824,500 (9.5%) $1,447,968 (20.2%) 2.36 901
2020-11-01 $799,000 (10.2%) $1,454,401 (23.9%) 2.34 768
2020-12-01 $819,450 (8.2%) $1,516,175 (18.4%) 2.44 609
2021-01-01 $825,450 (5.4%) $1,559,942 (18.5%) 2.46 513
2021-02-01 $879,450 (10.6%) $1,649,048 (23.7%) 2.56 486
2021-03-01 $854,450 (5.2%) $1,508,318 (12.3%) 2.42 517
2021-04-01 $870,000 (12.6%) $1,614,377 (29.8%) 2.35 522
2021-05-01 $869,000 (9.7%) $1,665,611 (31.9%) 2.31 557
2021-06-01 $864,500 (6.6%) $1,768,873 (35.9%) 2.28 622
2021-07-01 $879,900 (6.4%) $1,707,806 (26.8%) 2.32 692
2021-08-01 $849,000 (2.4%) $1,689,268 (22.2%) 2.26 719
2021-09-01 $864,375 (1.8%) $1,759,575 (22.1%) 2.31 710
2021-10-01 $869,000 (5.4%) $1,846,575 (27.5%) 2.32 647
2021-11-01 $885,225 (10.8%) $1,882,719 (29.5%) 2.37 530
2021-12-01 $894,500 (9.2%) $1,990,544 (31.3%) 2.42 429
2022-01-01 $898,900 (8.9%) $2,040,139 (30.8%) 2.43 378
2022-02-01 $895,950 (1.9%) $2,094,019 (27.0%) 2.33 385
2022-03-01 $928,536 (8.7%) $2,046,090 (35.7%) 2.32 445
2022-04-01 $899,900 (3.4%) $1,930,673 (19.6%) 2.15 500
2022-05-01 $914,825 (5.3%) $1,790,597 (7.5%) 2.09 720
2022-06-01 $929,210 (7.5%) $1,709,993 (-3.3%) 2.07 866
2022-07-01 $899,900 (2.3%) $1,538,329 (-9.9%) 2.03 1,106
2022-08-01 $892,500 (5.1%) $1,469,063 (-13.0%) 2.06 1,147
2022-09-01 $879,450 (1.7%) $1,463,340 (-16.8%) 2.06 1,077
2022-10-01 $859,999 (-1.0%) $1,462,341 (-20.8%) 2.02 1,055
2022-11-01 $875,000 (-1.2%) $1,545,311 (-17.9%) 2.10 1,003
2022-12-01 $871,000 (-2.6%) $1,617,338 (-18.8%) 2.15 835
2023-01-01 $873,725 (-2.8%) $1,698,414 (-16.8%) 2.16 708
2023-02-01 $932,500 (4.1%) $1,812,681 (-13.4%) 2.25 629
2023-03-01 $944,500 (1.7%) $2,020,304 (-1.3%) 2.23 598
2023-04-01 $985,000 (9.5%) $2,079,376 (7.7%) 2.29 571
2023-05-01 $1,076,408 (17.7%) $2,181,585 (21.8%) 2.44 578
2023-06-01 $1,018,627 (9.6%) $2,160,677 (26.4%) 2.29 618
2023-07-01 $1,075,000 (19.5%) $2,129,812 (38.5%) 2.44 666
2023-08-01 $1,021,225 (14.4%) $2,050,014 (39.6%) 2.35 684
2023-09-01 $1,092,500 (24.2%) $2,078,094 (42.0%) 2.54 688
2023-10-01 $1,050,000 (22.1%) $1,957,512 (33.9%) 2.47 735
2023-11-01 $1,037,222 (18.5%) $1,919,229 (24.2%) 2.47 756
2023-12-01 $1,049,000 (20.4%) $1,950,966 (20.6%) 2.56 666
2024-01-01 $1,057,000 (21.0%) $1,998,235 (17.7%) 2.58 626
2024-02-01 $1,095,750 (17.5%) $2,034,108 (12.2%) 2.64 626
2024-03-01 $1,065,000 (12.8%) $2,145,494 (6.2%) 2.51 679
2024-04-01 $1,094,250 (11.1%) $2,115,471 (1.7%) 2.55 753
Oxnard's median listing price for 2024-04-01 was $1,094,250, a difference of $109,250 (11.1%) versus the prior year and $29,250 versus the prior month.

Oxnard's median listing price comes in at 255% of the national average.

Oxnard's average listing price for 2024-04-01 was $2,115,471, a difference of $36,095 (1.7%) versus the prior year and $-30,023 versus the prior month.

For the 2024-04-01 period, Oxnard had 753 MLS listings, a difference of 74 listings (11%) versus the prior month and 182 listings (32%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Oxnard (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 62 days 2,064 sqft
2018-02-01 35 days 2,025 sqft
2018-03-01 35 days 2,025 sqft
2018-04-01 37 days 2,053 sqft
2018-05-01 36 days 2,031 sqft
2018-06-01 38 days 2,021 sqft
2018-07-01 41 days 2,031 sqft
2018-08-01 43 days 2,015 sqft
2018-09-01 44 days 1,979 sqft
2018-10-01 48 days 1,962 sqft
2018-11-01 51 days 1,953 sqft
2018-12-01 61 days 1,931 sqft
2019-01-01 67 days 1,895 sqft
2019-02-01 50 days 1,903 sqft
2019-03-01 43 days 1,913 sqft
2019-04-01 40 days 1,943 sqft
2019-05-01 40 days 2,000 sqft
2019-06-01 44 days 2,027 sqft
2019-07-01 45 days 2,047 sqft
2019-08-01 47 days 2,051 sqft
2019-09-01 48 days 2,067 sqft
2019-10-01 50 days 2,068 sqft
2019-11-01 53 days 1,972 sqft
2019-12-01 58 days 2,020 sqft
2020-01-01 63 days 2,099 sqft
2020-02-01 52 days 2,113 sqft
2020-03-01 41 days 2,134 sqft
2020-04-01 48 days 2,062 sqft
2020-05-01 59 days 2,084 sqft
2020-06-01 52 days 2,126 sqft
2020-07-01 45 days 2,144 sqft
2020-08-01 40 days 2,096 sqft
2020-09-01 42 days 2,103 sqft
2020-10-01 39 days 2,074 sqft
2020-11-01 52 days 2,002 sqft
2020-12-01 57 days 2,024 sqft
2021-01-01 54 days 2,021 sqft
2021-02-01 35 days 2,118 sqft
2021-03-01 28 days 2,036 sqft
2021-04-01 34 days 2,050 sqft
2021-05-01 33 days 2,007 sqft
2021-06-01 31 days 2,021 sqft
2021-07-01 35 days 1,978 sqft
2021-08-01 31 days 1,924 sqft
2021-09-01 34 days 1,958 sqft
2021-10-01 36 days 1,960 sqft
2021-11-01 40 days 1,963 sqft
2021-12-01 45 days 1,983 sqft
2022-01-01 40 days 1,952 sqft
2022-02-01 27 days 1,858 sqft
2022-03-01 27 days 1,877 sqft
2022-04-01 25 days 1,894 sqft
2022-05-01 25 days 1,920 sqft
2022-06-01 27 days 1,922 sqft
2022-07-01 33 days 1,900 sqft
2022-08-01 37 days 1,845 sqft
2022-09-01 46 days 1,840 sqft
2022-10-01 51 days 1,854 sqft
2022-11-01 53 days 1,839 sqft
2022-12-01 63 days 1,842 sqft
2023-01-01 67 days 1,858 sqft
2023-02-01 43 days 1,892 sqft
2023-03-01 42 days 1,880 sqft
2023-04-01 43 days 1,991 sqft
2023-05-01 39 days 2,025 sqft
2023-06-01 38 days 1,933 sqft
2023-07-01 38 days 1,962 sqft
2023-08-01 42 days 1,957 sqft
2023-09-01 42 days 1,988 sqft
2023-10-01 41 days 1,956 sqft
2023-11-01 44 days 1,940 sqft
2023-12-01 56 days 1,950 sqft
2024-01-01 60 days 1,946 sqft
2024-02-01 41 days 1,936 sqft
2024-03-01 37 days 1,936 sqft
2024-04-01 36 days 1,961 sqft
Oxnard's median listing age (time on market) for 2024-04-01 was 36 days. This is -17% shorter than the same period one year ago.

Oxnard's median square footage for active listings during the 2024-04-01 period was 1,961 sqft. One year prior, the average listing was 1,991 sqft.