Sacramento USDA Loan Rates, Closing Costs & Stats

SACRAMENTO-ROSEVILLE-FOLSOM, 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.

    Sacramento's 3 lenders originated 6 USDA loans during 2024. The total origination value was $2,120,000, with an average USDA loan value of $353,333.

    Sacramento USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Sacramento averaged 6.56% for the week of 2025-07-11, compared to the national average (all USDA variants) of 6.449% for the same period.

    Sacramento's average USDA mortgage closing costs are $7,901.

    The average rate for the prior week (2025-07-04) was 6.27% and one month ago for the week of 2025-06-06, the average rate was 6.67%.

    The average rate one year ago was 6.85%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.44%.

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

    Sacramento 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 Sacramento level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    UNITED WHOLESALE MORTGAGE, LLC 3 5.36% $13,149
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 6.13% $18,948
    Mortgage Research Center, LLC 1 5.75% $3,833

    The top Sacramento USDA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 3 USDA loans originated. Their average total fees are $13,149, which is $5,799 lower than the next largest lender, CITY FIRST MORTGAGE SERVICES, L.L.C..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Sacramento (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 $445,315 (1.3%) $657,173 (-1.9%) 1.65 3,473
    2018-02-01 $454,500 (1.0%) $663,852 (-2.8%) 1.65 3,642
    2018-03-01 $466,950 (1.7%) $661,246 (-2.0%) 1.64 3,699
    2018-04-01 $469,950 (0.2%) $667,202 (0.1%) 1.59 4,217
    2018-05-01 $475,000 (0.5%) $661,123 (0.5%) 1.59 4,885
    2018-06-01 $469,900 (-0.8%) $656,528 (-1.2%) 1.57 5,512
    2018-07-01 $464,750 (1.0%) $657,408 (0.3%) 1.55 5,851
    2018-08-01 $459,250 (2.1%) $646,727 (-0.5%) 1.54 6,208
    2018-09-01 $449,990 (0.2%) $632,024 (-0.3%) 1.51 6,417
    2018-10-01 $449,450 (2.3%) $629,643 (1.7%) 1.52 6,269
    2018-11-01 $448,900 (2.0%) $623,807 (-0.2%) 1.52 5,926
    2018-12-01 $449,250 (2.3%) $627,411 (-2.8%) 1.55 5,134
    2019-01-01 $449,975 (1.1%) $639,764 (-2.7%) 1.55 4,390
    2019-02-01 $462,039 (1.7%) $650,504 (-2.0%) 1.56 4,199
    2019-03-01 $476,371 (2.0%) $660,373 (-0.1%) 1.56 4,273
    2019-04-01 $487,000 (3.6%) $662,263 (-0.7%) 1.55 4,492
    2019-05-01 $492,500 (3.7%) $662,277 (0.2%) 1.54 5,148
    2019-06-01 $502,000 (6.8%) $684,888 (4.3%) 1.57 5,595
    2019-07-01 $499,262 (7.4%) $679,322 (3.3%) 1.56 5,847
    2019-08-01 $495,563 (7.9%) $678,155 (4.9%) 1.57 5,803
    2019-09-01 $489,621 (8.8%) $676,353 (7.0%) 1.57 5,692
    2019-10-01 $485,660 (8.1%) $676,822 (7.5%) 1.57 5,532
    2019-11-01 $487,000 (8.5%) $685,540 (9.9%) 1.60 4,835
    2019-12-01 $495,000 (10.2%) $763,837 (21.7%) 1.65 3,688
    2020-01-01 $492,450 (9.4%) $706,204 (10.4%) 1.65 3,269
    2020-02-01 $499,000 (8.0%) $711,476 (9.4%) 1.63 3,244
    2020-03-01 $506,750 (6.4%) $691,843 (4.8%) 1.59 3,554
    2020-04-01 $499,066 (2.5%) $676,655 (2.2%) 1.56 3,986
    2020-05-01 $507,764 (3.1%) $694,863 (4.9%) 1.54 4,194
    2020-06-01 $516,631 (2.9%) $702,905 (2.6%) 1.52 3,947
    2020-07-01 $525,000 (5.2%) $719,968 (6.0%) 1.52 3,337
    2020-08-01 $525,000 (5.9%) $754,722 (11.3%) 1.50 2,949
    2020-09-01 $539,944 (10.3%) $842,120 (24.5%) 1.55 2,937
    2020-10-01 $545,000 (12.2%) $808,671 (19.5%) 1.56 2,896
    2020-11-01 $551,166 (13.2%) $850,312 (24.0%) 1.61 2,560
    2020-12-01 $549,000 (10.9%) $886,866 (16.1%) 1.63 1,998
    2021-01-01 $565,000 (14.7%) $960,500 (36.0%) 1.69 1,582
    2021-02-01 $549,995 (10.2%) $949,386 (33.4%) 1.60 1,568
    2021-03-01 $547,450 (8.0%) $907,130 (31.1%) 1.55 1,681
    2021-04-01 $574,500 (15.1%) $932,111 (37.8%) 1.56 1,887
    2021-05-01 $585,000 (15.2%) $890,971 (28.2%) 1.55 2,017
    2021-06-01 $593,500 (14.9%) $868,804 (23.6%) 1.56 2,349
    2021-07-01 $595,000 (13.3%) $859,146 (19.3%) 1.57 2,782
    2021-08-01 $585,225 (11.5%) $859,442 (13.9%) 1.56 2,961
    2021-09-01 $589,000 (9.1%) $860,263 (2.2%) 1.57 2,957
    2021-10-01 $594,400 (9.1%) $872,822 (7.9%) 1.59 2,929
    2021-11-01 $592,474 (7.5%) $907,614 (6.7%) 1.58 2,399
    2021-12-01 $597,000 (8.7%) $926,347 (4.5%) 1.62 1,767
    2022-01-01 $619,900 (9.7%) $944,041 (-1.7%) 1.68 1,476
    2022-02-01 $628,125 (14.2%) $938,068 (-1.2%) 1.63 1,532
    2022-03-01 $629,475 (15.0%) $902,828 (-0.5%) 1.58 1,767
    2022-04-01 $649,000 (13.0%) $899,087 (-3.5%) 1.55 2,106
    2022-05-01 $649,500 (11.0%) $906,068 (1.7%) 1.48 3,073
    2022-06-01 $643,500 (8.4%) $885,829 (2.0%) 1.43 3,805
    2022-07-01 $629,900 (5.9%) $886,138 (3.1%) 1.42 4,655
    2022-08-01 $614,700 (5.0%) $913,346 (6.3%) 1.42 4,757
    2022-09-01 $600,000 (1.9%) $855,094 (-0.6%) 1.40 4,476
    2022-10-01 $599,000 (0.8%) $835,557 (-4.3%) 1.41 4,374
    2022-11-01 $589,995 (-0.4%) $836,834 (-7.8%) 1.42 3,987
    2022-12-01 $587,450 (-1.6%) $852,272 (-8.0%) 1.45 3,212
    2023-01-01 $594,625 (-4.1%) $861,508 (-8.7%) 1.47 2,647
    2023-02-01 $606,445 (-3.5%) $892,574 (-4.9%) 1.46 2,265
    2023-03-01 $627,000 (-0.4%) $923,724 (2.3%) 1.48 2,024
    2023-04-01 $660,000 (1.7%) $942,207 (4.8%) 1.53 1,944
    2023-05-01 $663,250 (2.1%) $930,220 (2.7%) 1.50 2,234
    2023-06-01 $679,322 (5.6%) $1,013,620 (14.4%) 1.53 2,535
    2023-07-01 $675,993 (7.3%) $1,054,196 (19.0%) 1.54 2,789
    2023-08-01 $672,473 (9.4%) $1,033,280 (13.1%) 1.54 2,885
    2023-09-01 $650,000 (8.3%) $1,010,022 (18.1%) 1.51 2,952
    2023-10-01 $649,000 (8.4%) $991,212 (18.6%) 1.53 3,064
    2023-11-01 $632,000 (7.1%) $988,496 (18.1%) 1.50 2,969
    2023-12-01 $625,000 (6.4%) $1,035,709 (21.5%) 1.52 2,585
    2024-01-01 $630,000 (6.0%) $1,023,227 (18.8%) 1.54 2,131
    2024-02-01 $633,034 (4.4%) $1,015,026 (13.7%) 1.52 2,103
    2024-03-01 $635,000 (1.3%) $974,251 (5.5%) 1.49 2,365
    2024-04-01 $649,750 (-1.6%) $956,427 (1.5%) 1.51 2,763
    2024-05-01 $662,775 (-0.1%) $976,950 (5.0%) 1.51 3,266
    2024-06-01 $664,558 (-2.2%) $978,136 (-3.5%) 1.51 3,697
    2024-07-01 $649,500 (-3.9%) $979,135 (-7.1%) 1.49 4,131
    2024-08-01 $640,000 (-4.8%) $962,923 (-6.8%) 1.49 4,283
    2024-09-01 $635,000 (-2.3%) $948,519 (-6.1%) 1.49 4,399
    2024-10-01 $627,250 (-3.4%) $931,020 (-6.1%) 1.48 4,382
    2024-11-01 $615,000 (-2.7%) $890,484 (-9.9%) 1.48 4,138
    2024-12-01 $615,000 (-1.6%) $891,453 (-13.9%) 1.53 3,158
    2025-01-01 $615,000 (-2.4%) $889,320 (-13.1%) 1.54 2,853
    2025-02-01 $619,000 (-2.2%) $847,406 (-16.5%) 1.50 3,056
    2025-03-01 $625,000 (-1.6%) $833,628 (-14.4%) 1.47 3,598
    2025-04-01 $633,570 (-2.5%) $886,396 (-7.3%) 1.47 4,133
    2025-05-01 $639,000 (-3.6%) $858,799 (-12.1%) 1.45 5,050
    2025-06-01 $632,463 (-4.8%) $871,247 (-10.9%) 1.43 5,452
    Sacramento's median listing price for 2025-06-01 was $632,463, a difference of $-32,095 (-4.8%) versus the prior year and $-6,537 versus the prior month.

    Sacramento's median listing price comes in at 143% of the national average.

    Sacramento's average listing price for 2025-06-01 was $871,247, a difference of $-106,889 (-10.9%) versus the prior year and $12,448 versus the prior month.

    For the 2025-06-01 period, Sacramento had 5,452 MLS listings, a difference of 402 listings (8%) versus the prior month and 1,755 listings (47%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Sacramento (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 52 days 1,837 sqft
    2018-02-01 36 days 1,875 sqft
    2018-03-01 33 days 1,889 sqft
    2018-04-01 32 days 1,892 sqft
    2018-05-01 30 days 1,900 sqft
    2018-06-01 33 days 1,892 sqft
    2018-07-01 37 days 1,870 sqft
    2018-08-01 38 days 1,866 sqft
    2018-09-01 41 days 1,838 sqft
    2018-10-01 46 days 1,835 sqft
    2018-11-01 50 days 1,843 sqft
    2018-12-01 58 days 1,835 sqft
    2019-01-01 63 days 1,839 sqft
    2019-02-01 49 days 1,860 sqft
    2019-03-01 41 days 1,898 sqft
    2019-04-01 37 days 1,927 sqft
    2019-05-01 35 days 1,939 sqft
    2019-06-01 37 days 1,999 sqft
    2019-07-01 43 days 1,977 sqft
    2019-08-01 47 days 1,963 sqft
    2019-09-01 52 days 1,938 sqft
    2019-10-01 57 days 1,929 sqft
    2019-11-01 61 days 1,924 sqft
    2019-12-01 73 days 1,948 sqft
    2020-01-01 68 days 1,921 sqft
    2020-02-01 43 days 1,924 sqft
    2020-03-01 41 days 1,946 sqft
    2020-04-01 43 days 1,914 sqft
    2020-05-01 49 days 1,950 sqft
    2020-06-01 46 days 1,959 sqft
    2020-07-01 50 days 1,939 sqft
    2020-08-01 36 days 1,932 sqft
    2020-09-01 35 days 1,924 sqft
    2020-10-01 35 days 1,913 sqft
    2020-11-01 38 days 1,902 sqft
    2020-12-01 44 days 1,877 sqft
    2021-01-01 48 days 1,890 sqft
    2021-02-01 31 days 1,833 sqft
    2021-03-01 26 days 1,794 sqft
    2021-04-01 26 days 1,858 sqft
    2021-05-01 27 days 1,833 sqft
    2021-06-01 26 days 1,820 sqft
    2021-07-01 28 days 1,808 sqft
    2021-08-01 30 days 1,792 sqft
    2021-09-01 33 days 1,791 sqft
    2021-10-01 33 days 1,775 sqft
    2021-11-01 37 days 1,757 sqft
    2021-12-01 43 days 1,756 sqft
    2022-01-01 40 days 1,799 sqft
    2022-02-01 25 days 1,801 sqft
    2022-03-01 24 days 1,815 sqft
    2022-04-01 24 days 1,850 sqft
    2022-05-01 24 days 1,848 sqft
    2022-06-01 29 days 1,841 sqft
    2022-07-01 32 days 1,829 sqft
    2022-08-01 39 days 1,804 sqft
    2022-09-01 45 days 1,822 sqft
    2022-10-01 47 days 1,810 sqft
    2022-11-01 51 days 1,807 sqft
    2022-12-01 63 days 1,812 sqft
    2023-01-01 67 days 1,830 sqft
    2023-02-01 51 days 1,861 sqft
    2023-03-01 43 days 1,907 sqft
    2023-04-01 35 days 1,998 sqft
    2023-05-01 31 days 1,986 sqft
    2023-06-01 33 days 2,012 sqft
    2023-07-01 36 days 1,995 sqft
    2023-08-01 37 days 1,967 sqft
    2023-09-01 37 days 1,932 sqft
    2023-10-01 42 days 1,902 sqft
    2023-11-01 45 days 1,870 sqft
    2023-12-01 52 days 1,853 sqft
    2024-01-01 55 days 1,887 sqft
    2024-02-01 39 days 1,882 sqft
    2024-03-01 36 days 1,878 sqft
    2024-04-01 32 days 1,889 sqft
    2024-05-01 31 days 1,918 sqft
    2024-06-01 37 days 1,909 sqft
    2024-07-01 40 days 1,886 sqft
    2024-08-01 44 days 1,873 sqft
    2024-09-01 44 days 1,848 sqft
    2024-10-01 47 days 1,832 sqft
    2024-11-01 51 days 1,814 sqft
    2024-12-01 62 days 1,781 sqft
    2025-01-01 61 days 1,778 sqft
    2025-02-01 39 days 1,792 sqft
    2025-03-01 36 days 1,818 sqft
    2025-04-01 38 days 1,840 sqft
    2025-05-01 38 days 1,860 sqft
    2025-06-01 44 days 1,833 sqft
    Sacramento's median listing age (time on market) for 2025-06-01 was 44 days. This is 18% longer than the same period one year ago.

    Sacramento's median square footage for active listings during the 2025-06-01 period was 1,833 sqft. One year prior, the average listing was 1,909 sqft.