Santa Rosa USDA Loan Rates, Closing Costs & Stats

SANTA ROSA-PETALUMA, 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.

Santa Rosa's 1 lenders originated 2 USDA loans during 2022. The total origination value was $5,070,000, with an average USDA loan value of $2,535,000.

Santa Rosa USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Santa Rosa averaged 6.06% for the week of 2024-03-01, compared to the national average (all USDA variants) of 6.729% for the same period.

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

The average rate for the prior week (2024-02-23) was 5.92% and one month ago for the week of 2024-01-26, the average rate was 5.77%.

The average rate one year ago was 6.04%.

For refis of the same type during the week of 2024-03-01, the average rate was 5.17%.

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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
DRAPER AND KRAMER MORTGAGE CORP. 1 3.00% $18,533

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
Santa Rosa's median listing price for 2024-01-01 was $950,748, a difference of $33,248 (3.6%) versus the prior year and $-19,242 versus the prior month.

Santa Rosa's median listing price comes in at 232% of the national average.

Santa Rosa's average listing price for 2024-01-01 was $1,759,251, a difference of $-27,152 (-1.5%) versus the prior year and $-27,709 versus the prior month.

For the 2024-01-01 period, Santa Rosa had 453 MLS listings, a difference of -84 listings (-16%) versus the prior month and 44 listings (11%) 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
Santa Rosa's median listing age (time on market) for 2024-01-01 was 73 days. This is -15% shorter than the same period one year ago.

Santa Rosa's median square footage for active listings during the 2024-01-01 period was 1,910 sqft. One year prior, the average listing was 1,834 sqft.