Pahrump USDA Loan Rates, Closing Costs & Stats

Pahrump, NV

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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.

    Pahrump's 5 lenders originated 6 USDA loans during 2023. The total origination value was $1,860,000, with an average USDA loan value of $310,000.

    Pahrump USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Pahrump averaged 6.13% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Pahrump's average USDA mortgage closing costs are $7,166.

    The average rate for the prior week (2024-12-06) was 6.27% and one month ago for the week of 2024-11-08, the average rate was 6.29%.

    The average rate one year ago was 6.65%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.2%.

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

    Pahrump 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 Pahrump level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 2 5.75% $9,570
    FBC MORTGAGE, LLC 1 5.49% $16,603
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.63% $6,835
    GUILD MORTGAGE COMPANY 1 4.75% $12,894
    LEADERONE FINANCIAL CORPORATION 1 6.50% $4,150

    The top Pahrump USDA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 2 USDA loans originated. Their average total fees are $9,570, which is $7,034 lower than the next largest lender, FBC MORTGAGE, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Pahrump (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 $263,700 (18.8%) $281,437 (14.2%) 0.00 130
    2018-02-01 $264,725 (16.5%) $279,656 (7.2%) 0.00 146
    2018-03-01 $278,900 (22.9%) $318,389 (18.7%) 0.00 136
    2018-04-01 $280,475 (22.0%) $328,781 (19.6%) 0.00 120
    2018-05-01 $278,485 (19.0%) $324,247 (17.5%) 0.00 116
    2018-06-01 $294,900 (19.4%) $333,482 (17.3%) 0.00 133
    2018-07-01 $284,450 (15.9%) $334,272 (19.1%) 0.00 146
    2018-08-01 $284,725 (14.4%) $337,928 (20.9%) 0.00 166
    2018-09-01 $284,950 (16.4%) $330,018 (17.4%) 0.00 188
    2018-10-01 $291,450 (19.0%) $324,029 (13.9%) 0.00 196
    2018-11-01 $290,000 (16.5%) $323,765 (11.4%) 0.00 203
    2018-12-01 $286,750 (12.9%) $316,815 (10.0%) 0.00 204
    2019-01-01 $289,875 (9.9%) $311,005 (10.5%) 0.00 205
    2019-02-01 $289,150 (9.2%) $311,746 (11.5%) 0.00 205
    2019-03-01 $287,835 (3.2%) $305,506 (-4.1%) 0.00 196
    2019-04-01 $284,975 (1.6%) $300,527 (-8.6%) 0.00 183
    2019-05-01 $279,675 (0.4%) $296,390 (-8.6%) 0.00 198
    2019-06-01 $289,630 (-1.8%) $296,706 (-11.0%) 0.00 208
    2019-07-01 $285,000 (0.2%) $296,308 (-11.4%) 0.00 209
    2019-08-01 $280,636 (-1.4%) $293,613 (-13.1%) 0.00 235
    2019-09-01 $274,091 (-3.8%) $289,167 (-12.4%) 0.00 276
    2019-10-01 $269,894 (-7.4%) $287,501 (-11.3%) 0.00 303
    2019-11-01 $285,000 (-1.7%) $298,948 (-7.7%) 0.00 259
    2019-12-01 $289,665 (1.0%) $300,599 (-5.1%) 0.00 237
    2020-01-01 $288,674 (-0.4%) $301,885 (-2.9%) 0.00 221
    2020-02-01 $290,000 (0.3%) $316,900 (1.7%) 0.00 220
    2020-03-01 $289,944 (0.7%) $313,669 (2.7%) 0.00 224
    2020-04-01 $289,900 (1.7%) $321,562 (7.0%) 0.00 218
    2020-05-01 $289,900 (3.7%) $319,863 (7.9%) 0.00 213
    2020-06-01 $294,500 (1.7%) $309,848 (4.4%) 0.00 213
    2020-07-01 $289,225 (1.5%) $319,795 (7.9%) 0.00 204
    2020-08-01 $299,000 (6.5%) $332,061 (13.1%) 0.00 152
    2020-09-01 $295,250 (7.7%) $334,236 (15.6%) 0.00 146
    2020-10-01 $309,997 (14.9%) $350,137 (21.8%) 0.00 132
    2020-11-01 $300,000 (5.3%) $349,014 (16.8%) 0.00 122
    2020-12-01 $304,998 (5.3%) $352,352 (17.2%) 0.00 110
    2021-01-01 $299,995 (3.9%) $349,387 (15.7%) 0.00 101
    2021-02-01 $302,238 (4.2%) $337,521 (6.5%) 0.00 116
    2021-03-01 $312,218 (7.7%) $342,143 (9.1%) 0.00 109
    2021-04-01 $325,000 (12.1%) $359,027 (11.7%) 0.00 104
    2021-05-01 $349,900 (20.7%) $381,389 (19.2%) 0.00 99
    2021-06-01 $359,950 (22.2%) $389,229 (25.6%) 0.00 122
    2021-07-01 $360,000 (24.5%) $398,835 (24.7%) 0.00 140
    2021-08-01 $369,000 (23.4%) $406,848 (22.5%) 0.00 147
    2021-09-01 $374,975 (27.0%) $407,297 (21.9%) 0.00 179
    2021-10-01 $379,000 (22.3%) $412,898 (17.9%) 0.00 183
    2021-11-01 $379,059 (26.4%) $408,391 (17.0%) 0.00 174
    2021-12-01 $381,222 (25.0%) $411,925 (16.9%) 0.00 154
    2022-01-01 $380,000 (26.7%) $421,175 (20.6%) 0.00 140
    2022-02-01 $394,925 (30.7%) $421,145 (24.8%) 0.00 147
    2022-03-01 $417,225 (33.6%) $434,943 (27.1%) 0.00 139
    2022-04-01 $435,000 (33.9%) $459,953 (28.1%) 0.00 140
    2022-05-01 $437,000 (24.9%) $463,271 (21.5%) 0.00 156
    2022-06-01 $434,250 (20.6%) $477,758 (22.7%) 0.00 199
    2022-07-01 $425,000 (18.1%) $471,275 (18.2%) 0.00 254
    2022-08-01 $416,975 (13.0%) $458,841 (12.8%) 0.00 266
    2022-09-01 $403,097 (7.5%) $456,411 (12.1%) 0.00 282
    2022-10-01 $399,900 (5.5%) $440,364 (6.7%) 0.00 281
    2022-11-01 $399,000 (5.3%) $431,116 (5.6%) 0.00 278
    2022-12-01 $396,500 (4.0%) $426,936 (3.6%) 0.00 258
    2023-01-01 $396,500 (4.3%) $417,865 (-0.8%) 0.00 228
    2023-02-01 $395,675 (0.2%) $415,690 (-1.3%) 0.00 244
    2023-03-01 $399,900 (-4.2%) $420,913 (-3.2%) 0.00 251
    2023-04-01 $400,000 (-8.1%) $429,692 (-6.6%) 0.00 245
    2023-05-01 $391,124 (-10.5%) $420,138 (-9.3%) 0.00 286
    2023-06-01 $398,000 (-8.4%) $423,041 (-11.5%) 0.00 297
    2023-07-01 $399,900 (-5.9%) $429,511 (-8.9%) 0.00 282
    2023-08-01 $393,973 (-5.5%) $424,718 (-7.4%) 0.00 289
    2023-09-01 $395,000 (-2.0%) $450,970 (-1.2%) 0.00 226
    2023-10-01 $397,500 (-0.6%) $451,843 (2.6%) 0.00 226
    2023-11-01 $399,000 (0.0%) $454,280 (5.4%) 0.00 208
    2023-12-01 $400,000 (0.9%) $446,971 (4.7%) 0.00 206
    2024-01-01 $409,500 (3.3%) $446,394 (6.8%) 0.00 199
    2024-02-01 $419,950 (6.1%) $450,775 (8.4%) 0.00 199
    2024-03-01 $419,450 (4.9%) $462,117 (9.8%) 0.00 212
    2024-04-01 $416,249 (4.1%) $466,356 (8.5%) 0.00 203
    2024-05-01 $417,500 (6.7%) $443,288 (5.5%) 0.00 199
    2024-06-01 $428,998 (7.8%) $453,876 (7.3%) 0.00 189
    2024-07-01 $425,000 (6.3%) $470,410 (9.5%) 0.00 211
    2024-08-01 $430,000 (9.1%) $469,484 (10.5%) 0.00 234
    2024-09-01 $424,950 (7.6%) $476,181 (5.6%) 0.00 243
    2024-10-01 $419,825 (5.6%) $481,814 (6.6%) 0.00 251
    2024-11-01 $419,900 (5.2%) $496,439 (9.3%) 0.00 249
    Pahrump's median listing price for 2024-11-01 was $419,900, a difference of $20,900 (5.2%) versus the prior year and $75 versus the prior month.

    Pahrump's median listing price comes in at 0% of the national average.

    Pahrump's average listing price for 2024-11-01 was $496,439, a difference of $42,159 (9.3%) versus the prior year and $14,625 versus the prior month.

    For the 2024-11-01 period, Pahrump had 249 MLS listings, a difference of -2 listings (-1%) versus the prior month and 41 listings (20%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Pahrump (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,218 sqft
    2018-02-01 0 days 2,164 sqft
    2018-03-01 0 days 2,228 sqft
    2018-04-01 0 days 2,200 sqft
    2018-05-01 0 days 2,202 sqft
    2018-06-01 0 days 2,202 sqft
    2018-07-01 0 days 2,144 sqft
    2018-08-01 0 days 2,126 sqft
    2018-09-01 0 days 2,107 sqft
    2018-10-01 0 days 2,141 sqft
    2018-11-01 0 days 2,180 sqft
    2018-12-01 0 days 2,113 sqft
    2019-01-01 0 days 2,090 sqft
    2019-02-01 0 days 2,088 sqft
    2019-03-01 0 days 2,076 sqft
    2019-04-01 0 days 2,062 sqft
    2019-05-01 0 days 2,036 sqft
    2019-06-01 0 days 2,025 sqft
    2019-07-01 0 days 2,024 sqft
    2019-08-01 0 days 2,014 sqft
    2019-09-01 0 days 2,003 sqft
    2019-10-01 0 days 2,009 sqft
    2019-11-01 0 days 2,024 sqft
    2019-12-01 0 days 2,050 sqft
    2020-01-01 0 days 2,036 sqft
    2020-02-01 0 days 2,036 sqft
    2020-03-01 0 days 2,021 sqft
    2020-04-01 0 days 2,027 sqft
    2020-05-01 0 days 2,048 sqft
    2020-06-01 0 days 2,022 sqft
    2020-07-01 0 days 2,025 sqft
    2020-08-01 0 days 2,080 sqft
    2020-09-01 0 days 2,038 sqft
    2020-10-01 0 days 2,087 sqft
    2020-11-01 0 days 2,087 sqft
    2020-12-01 0 days 2,087 sqft
    2021-01-01 0 days 2,021 sqft
    2021-02-01 0 days 1,959 sqft
    2021-03-01 0 days 2,021 sqft
    2021-04-01 0 days 2,026 sqft
    2021-05-01 0 days 2,057 sqft
    2021-06-01 0 days 2,065 sqft
    2021-07-01 0 days 2,022 sqft
    2021-08-01 0 days 2,013 sqft
    2021-09-01 0 days 2,013 sqft
    2021-10-01 0 days 1,977 sqft
    2021-11-01 0 days 1,983 sqft
    2021-12-01 0 days 1,997 sqft
    2022-01-01 0 days 1,990 sqft
    2022-02-01 0 days 1,985 sqft
    2022-03-01 0 days 2,006 sqft
    2022-04-01 0 days 2,074 sqft
    2022-05-01 0 days 2,022 sqft
    2022-06-01 0 days 2,022 sqft
    2022-07-01 0 days 2,017 sqft
    2022-08-01 0 days 2,003 sqft
    2022-09-01 0 days 1,991 sqft
    2022-10-01 0 days 1,999 sqft
    2022-11-01 0 days 1,999 sqft
    2022-12-01 0 days 2,009 sqft
    2023-01-01 0 days 2,019 sqft
    2023-02-01 0 days 2,008 sqft
    2023-03-01 0 days 2,022 sqft
    2023-04-01 0 days 2,022 sqft
    2023-05-01 0 days 2,012 sqft
    2023-06-01 0 days 2,022 sqft
    2023-07-01 0 days 2,029 sqft
    2023-08-01 0 days 1,975 sqft
    2023-09-01 0 days 1,977 sqft
    2023-10-01 0 days 1,997 sqft
    2023-11-01 0 days 2,049 sqft
    2023-12-01 0 days 2,055 sqft
    2024-01-01 0 days 2,057 sqft
    2024-02-01 0 days 2,074 sqft
    2024-03-01 0 days 2,057 sqft
    2024-04-01 0 days 2,057 sqft
    2024-05-01 0 days 2,057 sqft
    2024-06-01 0 days 2,087 sqft
    2024-07-01 0 days 2,076 sqft
    2024-08-01 0 days 2,098 sqft
    2024-09-01 0 days 2,057 sqft
    2024-10-01 0 days 2,021 sqft
    2024-11-01 0 days 2,017 sqft
    Pahrump's median listing age (time on market) for 2024-11-01 was 0 days.

    Pahrump's median square footage for active listings during the 2024-11-01 period was 2,017 sqft. One year prior, the average listing was 2,049 sqft.