Santa Rosa USDA Loan Rates, Closing Costs & Stats

SANTA ROSA-PETALUMA, CA

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Santa Rosa's 0 lenders originated 1 USDA loans during 2023. The total origination value was $125,000, with an average USDA loan value of $125,000.

    Santa Rosa USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Santa Rosa averaged 6.02% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Santa Rosa's average USDA mortgage closing costs are $11,390.

    The average rate for the prior week (2024-12-06) was 6.05% and one month ago for the week of 2024-11-08, the average rate was 6.47%.

    The average rate one year ago was 6.64%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.01%.

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

    Santa Rosa 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 Santa Rosa level.

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

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Santa Rosa (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 $790,250 (10.2%) $1,231,307 (10.5%) 2.93 407
    2018-02-01 $797,000 (9.9%) $1,200,558 (7.7%) 2.89 444
    2018-03-01 $777,000 (5.1%) $1,196,027 (0.4%) 2.73 524
    2018-04-01 $762,475 (0.3%) $1,189,317 (-8.9%) 2.59 617
    2018-05-01 $792,000 (2.6%) $1,273,397 (0.0%) 2.64 760
    2018-06-01 $749,000 (-3.9%) $1,211,005 (-4.7%) 2.50 923
    2018-07-01 $736,000 (-2.5%) $1,150,500 (-6.8%) 2.46 1,086
    2018-08-01 $699,463 (-7.3%) $1,107,243 (-11.2%) 2.34 1,172
    2018-09-01 $709,500 (-10.6%) $1,100,755 (-13.9%) 2.38 1,208
    2018-10-01 $699,000 (-14.2%) $1,101,423 (-15.8%) 2.37 1,177
    2018-11-01 $699,000 (-15.5%) $1,115,671 (-17.8%) 2.37 1,105
    2018-12-01 $689,990 (-16.8%) $1,113,843 (-15.4%) 2.38 896
    2019-01-01 $681,500 (-13.8%) $1,078,741 (-12.4%) 2.35 725
    2019-02-01 $688,800 (-13.6%) $1,114,305 (-7.2%) 2.33 700
    2019-03-01 $720,857 (-7.2%) $1,201,613 (0.5%) 2.36 745
    2019-04-01 $757,500 (-0.7%) $1,259,293 (5.9%) 2.41 868
    2019-05-01 $791,250 (-0.1%) $1,335,282 (4.9%) 2.47 1,062
    2019-06-01 $799,000 (6.7%) $1,365,346 (12.7%) 2.50 1,180
    2019-07-01 $795,000 (8.0%) $1,335,856 (16.1%) 2.49 1,252
    2019-08-01 $774,727 (10.8%) $1,301,705 (17.6%) 2.45 1,251
    2019-09-01 $774,318 (9.1%) $1,292,898 (17.5%) 2.48 1,208
    2019-10-01 $774,045 (10.7%) $1,284,433 (16.6%) 2.50 1,167
    2019-11-01 $775,000 (10.9%) $1,278,268 (14.6%) 2.54 1,055
    2019-12-01 $770,650 (11.7%) $1,253,128 (12.5%) 2.57 771
    2020-01-01 $767,500 (12.6%) $1,194,224 (10.7%) 2.56 679
    2020-02-01 $792,068 (15.0%) $1,168,486 (4.9%) 2.59 725
    2020-03-01 $799,000 (10.8%) $1,205,979 (0.4%) 2.50 792
    2020-04-01 $781,944 (3.2%) $1,176,971 (-6.5%) 2.45 790
    2020-05-01 $769,000 (-2.8%) $1,146,057 (-14.2%) 2.34 999
    2020-06-01 $763,750 (-4.4%) $1,228,384 (-10.0%) 2.25 1,024
    2020-07-01 $784,248 (-1.4%) $1,299,527 (-2.7%) 2.27 899
    2020-08-01 $799,000 (3.1%) $1,337,303 (2.7%) 2.29 786
    2020-09-01 $808,500 (4.4%) $1,348,645 (4.3%) 2.32 704
    2020-10-01 $839,000 (8.4%) $1,371,691 (6.8%) 2.40 781
    2020-11-01 $809,975 (4.5%) $1,356,234 (6.1%) 2.37 807
    2020-12-01 $799,999 (3.8%) $1,351,133 (7.8%) 2.38 666
    2021-01-01 $799,000 (4.1%) $1,375,774 (15.2%) 2.39 556
    2021-02-01 $827,000 (4.4%) $1,427,661 (22.2%) 2.41 530
    2021-03-01 $822,000 (2.9%) $1,407,855 (16.7%) 2.33 563
    2021-04-01 $859,225 (9.9%) $1,463,127 (24.3%) 2.33 622
    2021-05-01 $887,000 (15.3%) $1,522,053 (32.8%) 2.36 680
    2021-06-01 $877,000 (14.8%) $1,530,392 (24.6%) 2.31 760
    2021-07-01 $865,000 (10.3%) $1,506,860 (16.0%) 2.28 763
    2021-08-01 $849,713 (6.4%) $1,464,681 (9.5%) 2.27 767
    2021-09-01 $875,000 (8.2%) $1,526,292 (13.2%) 2.33 744
    2021-10-01 $895,000 (6.7%) $1,602,360 (16.8%) 2.39 670
    2021-11-01 $897,000 (10.7%) $1,658,116 (22.3%) 2.40 500
    2021-12-01 $912,498 (14.1%) $1,733,710 (28.3%) 2.47 352
    2022-01-01 $929,000 (16.3%) $1,782,270 (29.6%) 2.51 257
    2022-02-01 $954,500 (15.4%) $1,817,970 (27.3%) 2.48 294
    2022-03-01 $989,500 (20.4%) $1,855,314 (31.8%) 2.48 369
    2022-04-01 $995,000 (15.8%) $1,918,519 (31.1%) 2.37 415
    2022-05-01 $975,000 (9.9%) $1,838,479 (20.8%) 2.23 547
    2022-06-01 $965,625 (10.1%) $1,831,919 (19.7%) 2.15 615
    2022-07-01 $950,000 (9.8%) $1,720,085 (14.2%) 2.14 688
    2022-08-01 $946,500 (11.4%) $1,689,838 (15.4%) 2.19 710
    2022-09-01 $940,500 (7.5%) $1,693,713 (11.0%) 2.20 718
    2022-10-01 $919,000 (2.7%) $1,748,368 (9.1%) 2.16 730
    2022-11-01 $932,225 (3.9%) $1,796,419 (8.3%) 2.24 643
    2022-12-01 $899,925 (-1.4%) $1,725,602 (-0.5%) 2.22 507
    2023-01-01 $917,500 (-1.2%) $1,786,403 (0.2%) 2.27 409
    2023-02-01 $951,225 (-0.3%) $1,802,208 (-0.9%) 2.30 398
    2023-03-01 $987,500 (-0.2%) $1,823,193 (-1.7%) 2.33 409
    2023-04-01 $1,149,000 (15.5%) $1,989,093 (3.7%) 2.67 452
    2023-05-01 $1,100,000 (12.8%) $1,990,353 (8.3%) 2.49 550
    2023-06-01 $1,125,000 (16.5%) $1,935,415 (5.7%) 2.53 651
    2023-07-01 $1,079,000 (13.6%) $1,864,039 (8.4%) 2.45 708
    2023-08-01 $1,065,000 (12.5%) $1,858,746 (10.0%) 2.45 701
    2023-09-01 $1,070,990 (13.9%) $1,893,877 (11.8%) 2.49 763
    2023-10-01 $1,057,000 (15.0%) $1,894,714 (8.4%) 2.49 768
    2023-11-01 $1,004,800 (7.8%) $1,892,938 (5.4%) 2.39 723
    2023-12-01 $969,990 (7.8%) $1,786,960 (3.6%) 2.37 537
    2024-01-01 $950,748 (3.6%) $1,759,251 (-1.5%) 2.32 453
    2024-02-01 $970,000 (2.0%) $1,842,492 (2.2%) 2.33 445
    2024-03-01 $989,000 (0.2%) $2,006,805 (10.1%) 2.33 503
    2024-04-01 $1,019,750 (-11.3%) $2,023,210 (1.7%) 2.37 655
    2024-05-01 $1,124,250 (2.2%) $2,069,918 (4.0%) 2.54 838
    2024-06-01 $1,049,000 (-6.8%) $2,005,552 (3.6%) 2.36 955
    2024-07-01 $997,498 (-7.6%) $1,933,505 (3.7%) 2.28 974
    2024-08-01 $995,000 (-6.6%) $1,899,640 (2.2%) 2.31 960
    2024-09-01 $1,039,255 (-3.0%) $1,927,853 (1.8%) 2.45 970
    2024-10-01 $1,018,498 (-3.6%) $1,933,382 (2.0%) 2.40 954
    2024-11-01 $1,000,000 (-0.5%) $1,978,781 (4.5%) 2.40 882
    Santa Rosa's median listing price for 2024-11-01 was $1,000,000, a difference of $-4,800 (-0.5%) versus the prior year and $-18,498 versus the prior month.

    Santa Rosa's median listing price comes in at 240% of the national average.

    Santa Rosa's average listing price for 2024-11-01 was $1,978,781, a difference of $85,843 (4.5%) versus the prior year and $45,399 versus the prior month.

    For the 2024-11-01 period, Santa Rosa had 882 MLS listings, a difference of -72 listings (-8%) versus the prior month and 159 listings (22%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Santa Rosa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 46 days 1,729 sqft
    2018-02-01 29 days 1,837 sqft
    2018-03-01 26 days 1,795 sqft
    2018-04-01 25 days 1,762 sqft
    2018-05-01 28 days 1,764 sqft
    2018-06-01 31 days 1,748 sqft
    2018-07-01 34 days 1,726 sqft
    2018-08-01 41 days 1,699 sqft
    2018-09-01 45 days 1,700 sqft
    2018-10-01 52 days 1,700 sqft
    2018-11-01 54 days 1,700 sqft
    2018-12-01 65 days 1,683 sqft
    2019-01-01 77 days 1,659 sqft
    2019-02-01 71 days 1,668 sqft
    2019-03-01 56 days 1,692 sqft
    2019-04-01 34 days 1,736 sqft
    2019-05-01 34 days 1,800 sqft
    2019-06-01 43 days 1,813 sqft
    2019-07-01 47 days 1,811 sqft
    2019-08-01 54 days 1,812 sqft
    2019-09-01 61 days 1,816 sqft
    2019-10-01 66 days 1,819 sqft
    2019-11-01 75 days 1,808 sqft
    2019-12-01 86 days 1,798 sqft
    2020-01-01 94 days 1,811 sqft
    2020-02-01 68 days 1,849 sqft
    2020-03-01 48 days 1,910 sqft
    2020-04-01 55 days 1,861 sqft
    2020-05-01 57 days 1,857 sqft
    2020-06-01 45 days 1,862 sqft
    2020-07-01 52 days 1,871 sqft
    2020-08-01 51 days 1,903 sqft
    2020-09-01 53 days 1,876 sqft
    2020-10-01 45 days 1,883 sqft
    2020-11-01 43 days 1,848 sqft
    2020-12-01 56 days 1,815 sqft
    2021-01-01 67 days 1,839 sqft
    2021-02-01 54 days 1,865 sqft
    2021-03-01 42 days 1,872 sqft
    2021-04-01 44 days 1,898 sqft
    2021-05-01 42 days 1,903 sqft
    2021-06-01 42 days 1,889 sqft
    2021-07-01 47 days 1,870 sqft
    2021-08-01 51 days 1,846 sqft
    2021-09-01 54 days 1,878 sqft
    2021-10-01 57 days 1,884 sqft
    2021-11-01 61 days 1,934 sqft
    2021-12-01 70 days 1,938 sqft
    2022-01-01 60 days 1,939 sqft
    2022-02-01 35 days 1,901 sqft
    2022-03-01 37 days 1,874 sqft
    2022-04-01 40 days 1,915 sqft
    2022-05-01 39 days 1,892 sqft
    2022-06-01 44 days 1,895 sqft
    2022-07-01 47 days 1,884 sqft
    2022-08-01 52 days 1,849 sqft
    2022-09-01 57 days 1,841 sqft
    2022-10-01 61 days 1,841 sqft
    2022-11-01 65 days 1,850 sqft
    2022-12-01 79 days 1,826 sqft
    2023-01-01 85 days 1,834 sqft
    2023-02-01 69 days 1,887 sqft
    2023-03-01 51 days 1,913 sqft
    2023-04-01 51 days 1,997 sqft
    2023-05-01 44 days 1,999 sqft
    2023-06-01 46 days 2,023 sqft
    2023-07-01 42 days 1,955 sqft
    2023-08-01 46 days 1,982 sqft
    2023-09-01 46 days 2,004 sqft
    2023-10-01 48 days 1,999 sqft
    2023-11-01 55 days 1,976 sqft
    2023-12-01 68 days 1,937 sqft
    2024-01-01 73 days 1,910 sqft
    2024-02-01 57 days 1,922 sqft
    2024-03-01 35 days 1,918 sqft
    2024-04-01 30 days 1,963 sqft
    2024-05-01 30 days 2,020 sqft
    2024-06-01 37 days 1,916 sqft
    2024-07-01 48 days 1,909 sqft
    2024-08-01 54 days 1,875 sqft
    2024-09-01 54 days 1,904 sqft
    2024-10-01 54 days 1,924 sqft
    2024-11-01 63 days 1,931 sqft
    Santa Rosa's median listing age (time on market) for 2024-11-01 was 63 days. This is 15% longer than the same period one year ago.

    Santa Rosa's median square footage for active listings during the 2024-11-01 period was 1,931 sqft. One year prior, the average listing was 1,976 sqft.