Oxnard USDA Loan Rates, Closing Costs & Stats

OXNARD-THOUSAND OAKS-VENTURA, 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.

    Oxnard USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Oxnard averaged 6.51% for the week of 2025-05-23, compared to the national average (all USDA variants) of 6.433% for the same period.

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

    The average rate for the prior week (2025-05-16) was 6.84% and one month ago for the week of 2025-04-18, the average rate was 6.63%.

    The average rate one year ago was 6.99%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.19%.

    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 2024 Avg. 30yFix Rate 2024 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 (12.2%) 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%) $1,159,838 (-15.0%) 2.22 1,680
    2019-05-01 $702,500 (-5.3%) $1,159,917 (-12.3%) 2.20 1,799
    2019-06-01 $719,950 (-2.6%) $1,180,210 (-8.0%) 2.25 1,850
    2019-07-01 $733,675 (-0.8%) $1,194,873 (-4.3%) 2.30 1,869
    2019-08-01 $738,155 (2.9%) $1,181,346 (-2.2%) 2.34 1,789
    2019-09-01 $750,386 (7.4%) $1,196,640 (2.6%) 2.40 1,660
    2019-10-01 $753,591 (8.3%) $1,206,835 (5.6%) 2.43 1,573
    2019-11-01 $725,000 (5.9%) $1,175,328 (2.9%) 2.38 1,532
    2019-12-01 $757,500 (11.4%) $1,281,551 (9.5%) 2.53 1,220
    2020-01-01 $784,425 (14.8%) $1,317,768 (11.0%) 2.62 1,139
    2020-02-01 $795,000 (16.5%) $1,334,703 (10.6%) 2.60 1,127
    2020-03-01 $812,700 (17.6%) $1,344,927 (13.0%) 2.55 1,144
    2020-04-01 $772,475 (10.4%) $1,245,209 (7.4%) 2.42 1,228
    2020-05-01 $793,750 (13.0%) $1,264,305 (9.0%) 2.41 1,323
    2020-06-01 $811,450 (12.7%) $1,303,034 (10.4%) 2.39 1,207
    2020-07-01 $827,000 (12.7%) $1,347,702 (12.8%) 2.40 1,086
    2020-08-01 $829,000 (12.3%) $1,382,900 (17.1%) 2.38 955
    2020-09-01 $849,000 (13.1%) $1,440,603 (20.4%) 2.43 875
    2020-10-01 $824,500 (9.4%) $1,447,968 (20.0%) 2.36 901
    2020-11-01 $799,000 (10.2%) $1,454,401 (23.7%) 2.34 768
    2020-12-01 $819,450 (8.2%) $1,516,175 (18.3%) 2.44 609
    2021-01-01 $825,450 (5.2%) $1,559,942 (18.4%) 2.46 513
    2021-02-01 $879,450 (10.6%) $1,649,048 (23.6%) 2.56 486
    2021-03-01 $854,450 (5.1%) $1,508,318 (12.2%) 2.42 517
    2021-04-01 $870,000 (12.6%) $1,614,377 (29.7%) 2.35 522
    2021-05-01 $869,000 (9.5%) $1,665,611 (31.7%) 2.31 557
    2021-06-01 $864,500 (6.5%) $1,768,873 (35.8%) 2.28 622
    2021-07-01 $879,900 (6.4%) $1,707,806 (26.7%) 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%) $1,918,147 (24.1%) 2.47 756
    2023-12-01 $1,044,500 (19.9%) $1,948,663 (20.5%) 2.55 667
    2024-01-01 $1,054,610 (20.7%) $1,995,622 (17.5%) 2.58 627
    2024-02-01 $1,094,500 (17.4%) $2,031,486 (12.1%) 2.63 627
    2024-03-01 $1,065,000 (12.8%) $2,143,023 (6.1%) 2.51 680
    2024-04-01 $1,093,500 (11.0%) $2,113,265 (1.6%) 2.54 754
    2024-05-01 $1,152,000 (7.0%) $2,145,771 (-1.6%) 2.62 837
    2024-06-01 $1,050,000 (3.1%) $1,925,121 (-10.9%) 2.39 969
    2024-07-01 $1,093,500 (1.7%) $1,911,495 (-10.3%) 2.50 1,019
    2024-08-01 $1,050,000 (2.8%) $1,862,606 (-9.1%) 2.44 1,057
    2024-09-01 $999,350 (-8.5%) $1,781,514 (-14.3%) 2.35 1,059
    2024-10-01 $999,125 (-4.9%) $1,757,200 (-10.2%) 2.35 1,064
    2024-11-01 $999,900 (-3.6%) $1,747,073 (-8.9%) 2.40 982
    2024-12-01 $999,999 (-4.3%) $1,812,408 (-7.0%) 2.48 866
    2025-01-01 $994,000 (-5.8%) $1,816,716 (-9.0%) 2.48 887
    2025-02-01 $999,450 (-8.7%) $1,846,235 (-9.1%) 2.43 1,005
    2025-03-01 $1,049,500 (-1.5%) $1,818,950 (-15.1%) 2.47 1,102
    2025-04-01 $1,060,000 (-3.1%) $1,828,009 (-13.5%) 2.46 1,283
    Oxnard's median listing price for 2025-04-01 was $1,060,000, a difference of $-33,500 (-3.1%) versus the prior year and $10,500 versus the prior month.

    Oxnard's median listing price comes in at 246% of the national average.

    Oxnard's average listing price for 2025-04-01 was $1,828,009, a difference of $-285,256 (-13.5%) versus the prior year and $9,059 versus the prior month.

    For the 2025-04-01 period, Oxnard had 1,283 MLS listings, a difference of 181 listings (16%) versus the prior month and 529 listings (70%) 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 2,065 sqft
    2018-02-01 35 days 2,026 sqft
    2018-03-01 35 days 2,027 sqft
    2018-04-01 37 days 2,057 sqft
    2018-05-01 36 days 2,032 sqft
    2018-06-01 38 days 2,020 sqft
    2018-07-01 41 days 2,031 sqft
    2018-08-01 43 days 2,014 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 1,927 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 2,001 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 49 days 2,067 sqft
    2019-10-01 50 days 2,069 sqft
    2019-11-01 53 days 1,973 sqft
    2019-12-01 58 days 2,020 sqft
    2020-01-01 63 days 2,100 sqft
    2020-02-01 52 days 2,113 sqft
    2020-03-01 41 days 2,136 sqft
    2020-04-01 48 days 2,064 sqft
    2020-05-01 59 days 2,084 sqft
    2020-06-01 52 days 2,126 sqft
    2020-07-01 45 days 2,146 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 1,956 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 1,949 sqft
    2024-01-01 60 days 1,944 sqft
    2024-02-01 41 days 1,935 sqft
    2024-03-01 37 days 1,936 sqft
    2024-04-01 36 days 1,961 sqft
    2024-05-01 36 days 1,995 sqft
    2024-06-01 38 days 1,923 sqft
    2024-07-01 41 days 1,942 sqft
    2024-08-01 44 days 1,937 sqft
    2024-09-01 46 days 1,903 sqft
    2024-10-01 47 days 1,887 sqft
    2024-11-01 53 days 1,897 sqft
    2024-12-01 59 days 1,892 sqft
    2025-01-01 57 days 1,858 sqft
    2025-02-01 39 days 1,863 sqft
    2025-03-01 40 days 1,886 sqft
    2025-04-01 40 days 1,911 sqft
    Oxnard's median listing age (time on market) for 2025-04-01 was 40 days. This is 12% longer than the same period one year ago.

    Oxnard's median square footage for active listings during the 2025-04-01 period was 1,911 sqft. One year prior, the average listing was 1,961 sqft.