Sacramento USDA Loan Rates, Closing Costs & Stats
SACRAMENTO-ROSEVILLE-FOLSOM, 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.
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
6.25%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Sacramento's average USDA mortgage closing costs are $7,901.
The average rate for the prior week (2025-05-16) was
6.68% and
one month ago for the week of 2025-04-18, the
average rate was 6.37%.
The average rate one year ago was 6.73%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.02%.
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 |
Sacramento's median listing price comes in at 147% of the national average.
Sacramento's average listing price for 2025-04-01 was $886,396, a difference of $-70,031 (-7.3%) versus the prior year and $52,768 versus the prior month.
For the 2025-04-01 period, Sacramento had 4,133 MLS listings, a difference of 535 listings (15%) versus the prior month and 1,370 listings (50%) 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 |
Sacramento's median square footage for active listings during the 2025-04-01 period was 1,840 sqft. One year prior, the average listing was 1,889 sqft.