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's 1 lenders originated 1 USDA loans during 2022. The total origination value was $585,000, with an average USDA loan value of $585,000.
Oxnard USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Oxnard
averaged
6.23%
for the week of 2023-12-08, compared to the national average (all USDA variants) of
6.821% for the same period.
Oxnard's average USDA mortgage closing costs are $10,041.
The average rate for the prior week (2023-12-01) was
6.18% and
one month ago for the week of 2023-11-03, the
average rate was 6.92%.
The average rate one year ago was 5.92%.
For refis of the same type during the week of 2023-12-08, the average rate
was 5.09%.
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 | 2022 Avg. 30yFix Rate | 2022 Avg. Closing Costs |
---|---|---|---|
Flagstar Bank, FSB | 1 | 2.63% | $7,463 |
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. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $747,000 (5.2%) | $1,403,071 (11.8%) | 2.77 | 1,066 |
2018-02-01 | $736,250 (-2.4%) | $1,362,823 (4.2%) | 2.68 | 1,153 |
2018-03-01 | $729,000 (-4.7%) | $1,323,479 (0.1%) | 2.56 | 1,287 |
2018-04-01 | $750,000 (-2.5%) | $1,359,521 (2.6%) | 2.54 | 1,410 |
2018-05-01 | $741,500 (-2.2%) | $1,318,677 (3.0%) | 2.48 | 1,606 |
2018-06-01 | $739,000 (-1.5%) | $1,278,675 (2.4%) | 2.46 | 1,759 |
2018-07-01 | $739,450 (-2.1%) | $1,244,409 (-0.2%) | 2.47 | 1,884 |
2018-08-01 | $717,429 (-4.2%) | $1,204,740 (-0.3%) | 2.40 | 1,955 |
2018-09-01 | $699,000 (-6.8%) | $1,165,838 (-3.3%) | 2.35 | 2,012 |
2018-10-01 | $696,112 (-7.8%) | $1,142,578 (-11.0%) | 2.36 | 1,975 |
2018-11-01 | $684,500 (-8.7%) | $1,142,143 (-11.1%) | 2.32 | 1,905 |
2018-12-01 | $680,000 (-9.3%) | $1,170,638 (-11.8%) | 2.35 | 1,666 |
2019-01-01 | $683,500 (-8.5%) | $1,187,787 (-15.3%) | 2.36 | 1,553 |
2019-02-01 | $682,498 (-7.3%) | $1,206,620 (-11.5%) | 2.31 | 1,516 |
2019-03-01 | $691,386 (-5.2%) | $1,190,227 (-10.1%) | 2.26 | 1,585 |
2019-04-01 | $699,450 (-6.7%) | $1,159,280 (-14.7%) | 2.22 | 1,679 |
2019-05-01 | $701,250 (-5.4%) | $1,159,522 (-12.1%) | 2.19 | 1,798 |
2019-06-01 | $719,900 (-2.6%) | $1,179,845 (-7.7%) | 2.25 | 1,849 |
2019-07-01 | $731,850 (-1.0%) | $1,194,510 (-4.0%) | 2.29 | 1,868 |
2019-08-01 | $738,032 (2.9%) | $1,180,900 (-2.0%) | 2.34 | 1,788 |
2019-09-01 | $750,080 (7.3%) | $1,196,088 (2.6%) | 2.40 | 1,659 |
2019-10-01 | $753,386 (8.2%) | $1,206,214 (5.6%) | 2.43 | 1,572 |
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 (10.9%) | 2.62 | 1,139 |
2020-02-01 | $795,000 (16.5%) | $1,334,703 (10.6%) | 2.61 | 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 (13.2%) | $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 (13.0%) | $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 (13.2%) | $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%) | 2.43 | 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%) | 2.43 | 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%) | 2.17 | 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 | $1,073,191 (17.3%) | $2,180,613 (21.8%) | 2.43 | 579 |
2023-06-01 | $1,021,377 (9.9%) | $2,163,732 (26.5%) | 2.30 | 619 |
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 |
Oxnard's median listing price comes in at 247% of the national average.
Oxnard's average listing price for 2023-11-01 was $1,919,229, a difference of $373,918 (24.2%) versus the prior year and $-38,283 versus the prior month.
For the 2023-11-01 period, Oxnard had 756 MLS listings, a difference of 21 listings (3%) versus the prior month and -247 listings (-25%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Oxnard (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 61 days | 2,062 sqft |
2018-02-01 | 35 days | 2,024 sqft |
2018-03-01 | 35 days | 2,024 sqft |
2018-04-01 | 37 days | 2,049 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 | 2,014 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 | 1,931 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 | 39 days | 1,942 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 | 2,069 sqft |
2019-11-01 | 53 days | 1,971 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 | 2,135 sqft |
2020-04-01 | 48 days | 2,063 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 | 2,119 sqft |
2021-03-01 | 28 days | 2,040 sqft |
2021-04-01 | 34 days | 2,052 sqft |
2021-05-01 | 33 days | 2,009 sqft |
2021-06-01 | 31 days | 2,022 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 | 1,965 sqft |
2021-12-01 | 45 days | 1,984 sqft |
2022-01-01 | 40 days | 1,954 sqft |
2022-02-01 | 27 days | 1,858 sqft |
2022-03-01 | 27 days | 1,879 sqft |
2022-04-01 | 25 days | 1,894 sqft |
2022-05-01 | 25 days | 1,920 sqft |
2022-06-01 | 27 days | 1,923 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 | 1,853 sqft |
2022-11-01 | 53 days | 1,838 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 | 2,024 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 |
Oxnard's median square footage for active listings during the 2023-11-01 period was 1,940 sqft. One year prior, the average listing was 1,838 sqft.