Oxnard USDA Loan Rates, Closing Costs & Stats

OXNARD-THOUSAND OAKS-VENTURA, CA

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    • 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%.

    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 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. Louis
    Date 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 for 2023-11-01 was $1,037,222, a difference of $162,222 (18.5%) versus the prior year and $-12,778 versus the prior month.

    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. Louis
    Date 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 listing age (time on market) for 2023-11-01 was 44 days. This is -17% shorter than the same period one year ago.

    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.