Rutland USDA Loan Rates, Closing Costs & Stats

Rutland, VT

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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.

    Rutland USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Rutland averaged 6.73% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Rutland's average USDA mortgage closing costs are $4,917.

    The average rate for the prior week (2025-02-07) was 6.29% and one month ago for the week of 2025-01-10, the average rate was 6.44%.

    The average rate one year ago was 6.33%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.63%.

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

    Rutland 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 Rutland level.

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

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Rutland (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 $199,900 (5.3%) $305,728 (6.6%) 0.00 551
    2018-02-01 $199,900 (2.1%) $300,652 (4.1%) 0.00 535
    2018-03-01 $200,000 (2.9%) $305,341 (6.1%) 0.00 521
    2018-04-01 $201,475 (2.8%) $304,414 (5.5%) 0.00 534
    2018-05-01 $203,500 (4.4%) $298,716 (1.4%) 0.00 555
    2018-06-01 $199,000 (0.0%) $289,177 (-3.5%) 0.00 608
    2018-07-01 $214,975 (7.5%) $299,200 (-1.7%) 0.00 641
    2018-08-01 $224,975 (13.1%) $304,952 (2.5%) 0.00 656
    2018-09-01 $229,000 (14.7%) $303,646 (-0.9%) 0.00 637
    2018-10-01 $229,000 (6.5%) $309,873 (-1.5%) 0.00 622
    2018-11-01 $229,125 (14.6%) $315,100 (2.8%) 0.00 590
    2018-12-01 $230,000 (15.3%) $336,585 (12.1%) 0.00 545
    2019-01-01 $230,975 (15.6%) $346,453 (13.3%) 0.00 506
    2019-02-01 $238,125 (19.1%) $347,407 (15.6%) 0.00 507
    2019-03-01 $238,857 (19.4%) $344,632 (12.9%) 0.00 509
    2019-04-01 $238,607 (18.4%) $338,980 (11.4%) 0.00 515
    2019-05-01 $235,000 (15.5%) $333,286 (11.6%) 0.00 541
    2019-06-01 $235,000 (18.1%) $329,972 (14.1%) 0.00 588
    2019-07-01 $235,000 (9.3%) $338,360 (13.1%) 0.00 597
    2019-08-01 $235,000 (4.5%) $341,326 (11.9%) 0.00 592
    2019-09-01 $235,000 (2.6%) $341,324 (12.4%) 0.00 589
    2019-10-01 $237,000 (3.5%) $347,872 (12.3%) 0.00 576
    2019-11-01 $244,000 (6.5%) $364,441 (15.7%) 0.00 509
    2019-12-01 $238,000 (3.5%) $364,848 (8.4%) 0.00 470
    2020-01-01 $228,500 (-1.1%) $365,146 (5.4%) 0.00 436
    2020-02-01 $239,000 (0.4%) $368,760 (6.2%) 0.00 409
    2020-03-01 $239,000 (0.1%) $368,108 (6.8%) 0.00 399
    2020-04-01 $245,500 (2.9%) $373,576 (10.2%) 0.00 361
    2020-05-01 $249,000 (6.0%) $380,692 (14.2%) 0.00 356
    2020-06-01 $257,875 (9.7%) $388,823 (17.8%) 0.00 352
    2020-07-01 $256,250 (9.0%) $385,119 (13.8%) 0.00 337
    2020-08-01 $250,000 (6.4%) $393,551 (15.3%) 0.00 329
    2020-09-01 $245,000 (4.3%) $399,276 (17.0%) 0.00 302
    2020-10-01 $249,000 (5.1%) $408,077 (17.3%) 0.00 305
    2020-11-01 $259,900 (6.5%) $416,072 (14.2%) 0.00 262
    2020-12-01 $249,000 (4.6%) $434,150 (19.0%) 0.00 237
    2021-01-01 $259,900 (13.7%) $470,630 (28.9%) 0.00 199
    2021-02-01 $279,250 (16.8%) $477,333 (29.4%) 0.00 161
    2021-03-01 $288,325 (20.6%) $477,605 (29.8%) 0.00 144
    2021-04-01 $290,625 (18.4%) $512,153 (37.1%) 0.00 144
    2021-05-01 $299,900 (20.4%) $527,693 (38.6%) 0.00 156
    2021-06-01 $299,225 (16.0%) $519,176 (33.5%) 0.00 168
    2021-07-01 $299,900 (17.0%) $525,879 (36.6%) 0.00 176
    2021-08-01 $324,750 (29.9%) $560,765 (42.5%) 0.00 170
    2021-09-01 $371,000 (51.4%) $568,141 (42.3%) 0.00 170
    2021-10-01 $374,000 (50.2%) $572,742 (40.4%) 0.00 147
    2021-11-01 $448,000 (72.4%) $601,144 (44.5%) 0.00 128
    2021-12-01 $404,250 (62.4%) $640,713 (47.6%) 0.00 123
    2022-01-01 $365,000 (40.4%) $621,406 (32.0%) 0.00 109
    2022-02-01 $327,500 (17.3%) $599,213 (25.5%) 0.00 106
    2022-03-01 $326,000 (13.1%) $577,566 (20.9%) 0.00 116
    2022-04-01 $335,000 (15.3%) $572,050 (11.7%) 0.00 137
    2022-05-01 $337,250 (12.5%) $578,658 (9.7%) 0.00 152
    2022-06-01 $342,250 (14.4%) $568,072 (9.4%) 0.00 172
    2022-07-01 $350,000 (16.7%) $567,089 (7.8%) 0.00 198
    2022-08-01 $354,950 (9.3%) $566,367 (1.0%) 0.00 170
    2022-09-01 $362,425 (-2.3%) $551,501 (-2.9%) 0.00 166
    2022-10-01 $319,000 (-14.7%) $538,926 (-5.9%) 0.00 164
    2022-11-01 $309,950 (-30.8%) $581,025 (-3.4%) 0.00 156
    2022-12-01 $299,000 (-26.0%) $427,740 (-33.2%) 0.00 125
    2023-01-01 $274,925 (-24.7%) $414,967 (-33.2%) 0.00 113
    2023-02-01 $260,350 (-20.5%) $429,358 (-28.4%) 0.00 113
    2023-03-01 $275,000 (-15.6%) $429,225 (-25.7%) 0.00 107
    2023-04-01 $275,000 (-17.9%) $428,266 (-25.1%) 0.00 99
    2023-05-01 $280,000 (-17.0%) $419,751 (-27.5%) 0.00 96
    2023-06-01 $336,375 (-1.7%) $458,483 (-19.3%) 0.00 106
    2023-07-01 $389,000 (11.1%) $481,212 (-15.1%) 0.00 106
    2023-08-01 $393,725 (10.9%) $503,014 (-11.2%) 0.00 113
    2023-09-01 $400,000 (10.4%) $567,781 (3.0%) 0.00 133
    2023-10-01 $412,475 (29.3%) $549,421 (2.0%) 0.00 132
    2023-11-01 $396,000 (27.8%) $554,050 (-4.6%) 0.00 124
    2023-12-01 $399,900 (33.8%) $546,807 (27.8%) 0.00 109
    2024-01-01 $396,475 (44.2%) $538,475 (29.8%) 0.00 104
    2024-02-01 $401,475 (54.2%) $559,505 (30.3%) 0.00 107
    2024-03-01 $385,000 (40.0%) $711,967 (65.9%) 0.00 121
    2024-04-01 $385,975 (40.4%) $714,669 (66.9%) 0.00 133
    2024-05-01 $432,900 (54.6%) $729,177 (73.7%) 0.00 139
    2024-06-01 $399,000 (18.6%) $688,155 (50.1%) 0.00 166
    2024-07-01 $437,450 (12.5%) $717,351 (49.1%) 0.00 188
    2024-08-01 $420,000 (6.7%) $703,612 (39.9%) 0.00 209
    2024-09-01 $421,225 (5.3%) $697,088 (22.8%) 0.00 213
    2024-10-01 $428,675 (3.9%) $734,442 (33.7%) 0.00 204
    2024-11-01 $479,450 (21.1%) $853,655 (54.1%) 0.00 184
    2024-12-01 $474,900 (18.8%) $867,971 (58.7%) 0.00 174
    2025-01-01 $499,800 (26.1%) $905,914 (68.2%) 0.00 162
    Rutland's median listing price for 2025-01-01 was $499,800, a difference of $103,325 (26.1%) versus the prior year and $24,900 versus the prior month.

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

    Rutland's average listing price for 2025-01-01 was $905,914, a difference of $367,439 (68.2%) versus the prior year and $37,943 versus the prior month.

    For the 2025-01-01 period, Rutland had 162 MLS listings, a difference of -12 listings (-7%) versus the prior month and 58 listings (56%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Rutland (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,880 sqft
    2018-02-01 0 days 1,858 sqft
    2018-03-01 0 days 1,867 sqft
    2018-04-01 0 days 1,878 sqft
    2018-05-01 0 days 1,881 sqft
    2018-06-01 0 days 1,879 sqft
    2018-07-01 0 days 1,933 sqft
    2018-08-01 0 days 1,983 sqft
    2018-09-01 0 days 2,000 sqft
    2018-10-01 0 days 1,998 sqft
    2018-11-01 0 days 1,992 sqft
    2018-12-01 0 days 2,000 sqft
    2019-01-01 0 days 2,039 sqft
    2019-02-01 0 days 2,004 sqft
    2019-03-01 0 days 1,994 sqft
    2019-04-01 0 days 1,979 sqft
    2019-05-01 0 days 1,978 sqft
    2019-06-01 0 days 1,923 sqft
    2019-07-01 0 days 1,914 sqft
    2019-08-01 0 days 1,919 sqft
    2019-09-01 0 days 1,918 sqft
    2019-10-01 0 days 1,925 sqft
    2019-11-01 0 days 1,965 sqft
    2019-12-01 0 days 1,948 sqft
    2020-01-01 0 days 1,898 sqft
    2020-02-01 0 days 1,944 sqft
    2020-03-01 0 days 1,947 sqft
    2020-04-01 0 days 1,950 sqft
    2020-05-01 0 days 1,922 sqft
    2020-06-01 0 days 2,029 sqft
    2020-07-01 0 days 2,143 sqft
    2020-08-01 0 days 2,144 sqft
    2020-09-01 0 days 1,959 sqft
    2020-10-01 0 days 1,969 sqft
    2020-11-01 0 days 2,073 sqft
    2020-12-01 0 days 2,106 sqft
    2021-01-01 0 days 2,194 sqft
    2021-02-01 0 days 2,146 sqft
    2021-03-01 0 days 2,198 sqft
    2021-04-01 0 days 2,167 sqft
    2021-05-01 0 days 2,066 sqft
    2021-06-01 0 days 1,875 sqft
    2021-07-01 0 days 1,805 sqft
    2021-08-01 0 days 2,002 sqft
    2021-09-01 0 days 2,086 sqft
    2021-10-01 0 days 2,194 sqft
    2021-11-01 0 days 2,194 sqft
    2021-12-01 0 days 2,194 sqft
    2022-01-01 0 days 2,194 sqft
    2022-02-01 0 days 2,030 sqft
    2022-03-01 0 days 1,912 sqft
    2022-04-01 0 days 1,824 sqft
    2022-05-01 0 days 1,817 sqft
    2022-06-01 0 days 1,915 sqft
    2022-07-01 0 days 1,920 sqft
    2022-08-01 0 days 1,958 sqft
    2022-09-01 0 days 2,004 sqft
    2022-10-01 0 days 1,916 sqft
    2022-11-01 0 days 1,994 sqft
    2022-12-01 0 days 1,930 sqft
    2023-01-01 0 days 1,809 sqft
    2023-02-01 0 days 1,610 sqft
    2023-03-01 0 days 1,760 sqft
    2023-04-01 0 days 1,872 sqft
    2023-05-01 0 days 1,632 sqft
    2023-06-01 0 days 1,768 sqft
    2023-07-01 0 days 1,800 sqft
    2023-08-01 0 days 1,790 sqft
    2023-09-01 0 days 1,811 sqft
    2023-10-01 0 days 1,972 sqft
    2023-11-01 0 days 1,881 sqft
    2023-12-01 0 days 1,929 sqft
    2024-01-01 0 days 1,972 sqft
    2024-02-01 0 days 1,937 sqft
    2024-03-01 0 days 1,828 sqft
    2024-04-01 0 days 1,696 sqft
    2024-05-01 0 days 1,612 sqft
    2024-06-01 0 days 1,742 sqft
    2024-07-01 0 days 1,814 sqft
    2024-08-01 0 days 1,963 sqft
    2024-09-01 0 days 1,842 sqft
    2024-10-01 0 days 1,932 sqft
    2024-11-01 0 days 2,160 sqft
    2024-12-01 0 days 2,364 sqft
    2025-01-01 0 days 2,394 sqft
    Rutland's median listing age (time on market) for 2025-01-01 was 0 days.

    Rutland's median square footage for active listings during the 2025-01-01 period was 2,394 sqft. One year prior, the average listing was 1,972 sqft.