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 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
-0.08%
for the week of 2024-11-29, compared to the national average (all USDA variants) of
0% for the same period.
Santa Rosa's average USDA mortgage closing costs are $11,390.
The average rate for the prior week (2024-11-22) was
6.62% and
one month ago for the week of 2024-10-25, the
average rate was 6.42%.
The average rate one year ago was 6.92%.
For refis of the same type during the week of 2024-11-29, the average rate
was -0.1%.
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. LouisDate | 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 |
Santa Rosa's median listing price comes in at 240% of the national average.
Santa Rosa's average listing price for 2024-10-01 was $1,933,382, a difference of $38,668 (2.0%) versus the prior year and $5,529 versus the prior month.
For the 2024-10-01 period, Santa Rosa had 954 MLS listings, a difference of -16 listings (-2%) versus the prior month and 186 listings (24%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Santa Rosa (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | 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 |
Santa Rosa's median square footage for active listings during the 2024-10-01 period was 1,924 sqft. One year prior, the average listing was 1,999 sqft.