Sebastian USDA Loan Rates, Closing Costs & Stats
Sebastian-Vero Beach, FL
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.
Sebastian's 2 lenders originated 2 USDA loans during 2024. The total origination value was $550,000, with an average USDA loan value of $275,000.
Sebastian USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Sebastian
averaged
6.73%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Sebastian's average USDA mortgage closing costs are $7,177.
The average rate for the prior week (2025-05-16) was
6.56% and
one month ago for the week of 2025-04-18, the
average rate was 6.75%.
The average rate one year ago was 7.11%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.23%.
Sebastian 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 Sebastian level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| CityWorth Mortgage LLC | 1 | 6.63% | $7,791 |
| Paramount Residential Mortgage Group, Inc. | 1 | 6.63% | $7,741 |
The top Sebastian USDA lender as defined by loan originations is CityWorth Mortgage LLC, with
1 USDA loans originated. Their average total fees are
$7,791, which is $50
higher than the next largest lender,
Paramount Residential Mortgage Group, Inc..
The lowest fee Sebastian USDA lenders (with over 10 loans originated) are
.
The lowest rate Sebastian USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Sebastian (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 | $353,500 (1.0%) | $705,701 (-0.3%) | 1.31 | 1,472 |
| 2018-02-01 | $349,500 (0.4%) | $701,692 (-0.3%) | 1.27 | 1,565 |
| 2018-03-01 | $350,000 (1.3%) | $703,852 (0.6%) | 1.23 | 1,663 |
| 2018-04-01 | $355,000 (0.0%) | $708,499 (0.3%) | 1.20 | 1,671 |
| 2018-05-01 | $340,000 (-2.4%) | $695,261 (1.7%) | 1.14 | 1,613 |
| 2018-06-01 | $334,900 (-4.2%) | $677,644 (-6.0%) | 1.12 | 1,566 |
| 2018-07-01 | $336,464 (-2.5%) | $699,982 (0.3%) | 1.12 | 1,477 |
| 2018-08-01 | $337,450 (-2.8%) | $710,533 (3.6%) | 1.13 | 1,457 |
| 2018-09-01 | $340,000 (-2.6%) | $706,407 (-0.9%) | 1.14 | 1,484 |
| 2018-10-01 | $338,934 (-2.8%) | $694,356 (-3.6%) | 1.15 | 1,579 |
| 2018-11-01 | $339,675 (-3.0%) | $685,758 (-7.0%) | 1.15 | 1,695 |
| 2018-12-01 | $339,000 (-3.1%) | $677,364 (-5.2%) | 1.17 | 1,760 |
| 2019-01-01 | $344,513 (-2.5%) | $679,044 (-3.8%) | 1.19 | 1,777 |
| 2019-02-01 | $348,900 (-0.2%) | $665,615 (-5.1%) | 1.18 | 1,918 |
| 2019-03-01 | $342,957 (-2.0%) | $661,243 (-6.1%) | 1.12 | 1,921 |
| 2019-04-01 | $338,057 (-4.8%) | $667,144 (-5.8%) | 1.07 | 1,879 |
| 2019-05-01 | $336,223 (-1.1%) | $678,622 (-2.4%) | 1.05 | 1,794 |
| 2019-06-01 | $337,500 (0.8%) | $688,976 (1.7%) | 1.05 | 1,625 |
| 2019-07-01 | $340,000 (1.1%) | $693,171 (-1.0%) | 1.06 | 1,554 |
| 2019-08-01 | $344,545 (2.1%) | $694,030 (-2.3%) | 1.09 | 1,507 |
| 2019-09-01 | $347,614 (2.2%) | $695,681 (-1.5%) | 1.11 | 1,465 |
| 2019-10-01 | $354,500 (4.6%) | $701,540 (1.0%) | 1.14 | 1,436 |
| 2019-11-01 | $340,000 (0.1%) | $658,081 (-4.0%) | 1.11 | 1,572 |
| 2019-12-01 | $341,816 (0.8%) | $651,427 (-3.8%) | 1.14 | 1,599 |
| 2020-01-01 | $341,038 (-1.0%) | $654,625 (-3.6%) | 1.14 | 1,631 |
| 2020-02-01 | $340,000 (-2.6%) | $652,731 (-1.9%) | 1.11 | 1,662 |
| 2020-03-01 | $338,000 (-1.5%) | $649,553 (-1.8%) | 1.06 | 1,673 |
| 2020-04-01 | $329,975 (-2.4%) | $635,833 (-4.7%) | 1.03 | 1,696 |
| 2020-05-01 | $329,450 (-2.0%) | $640,543 (-5.6%) | 1.00 | 1,612 |
| 2020-06-01 | $330,916 (-2.0%) | $654,787 (-5.0%) | 0.97 | 1,503 |
| 2020-07-01 | $339,000 (-0.3%) | $645,812 (-6.8%) | 0.98 | 1,401 |
| 2020-08-01 | $347,950 (1.0%) | $676,831 (-2.5%) | 1.00 | 1,233 |
| 2020-09-01 | $343,600 (-1.2%) | $689,217 (-0.9%) | 0.98 | 1,094 |
| 2020-10-01 | $347,000 (-2.1%) | $696,722 (-0.7%) | 0.99 | 1,015 |
| 2020-11-01 | $348,750 (2.6%) | $704,238 (7.0%) | 1.02 | 997 |
| 2020-12-01 | $348,500 (2.0%) | $717,464 (10.1%) | 1.04 | 927 |
| 2021-01-01 | $349,900 (2.6%) | $703,956 (7.5%) | 1.04 | 827 |
| 2021-02-01 | $344,000 (1.2%) | $724,965 (11.1%) | 1.00 | 656 |
| 2021-03-01 | $349,450 (3.4%) | $741,170 (14.1%) | 0.99 | 550 |
| 2021-04-01 | $366,250 (11.0%) | $776,277 (22.1%) | 0.99 | 498 |
| 2021-05-01 | $396,700 (20.4%) | $860,422 (34.3%) | 1.05 | 401 |
| 2021-06-01 | $389,950 (17.8%) | $921,349 (40.7%) | 1.03 | 383 |
| 2021-07-01 | $362,123 (6.8%) | $886,158 (37.2%) | 0.96 | 395 |
| 2021-08-01 | $369,000 (6.1%) | $885,784 (30.9%) | 0.98 | 406 |
| 2021-09-01 | $371,088 (8.0%) | $823,952 (19.6%) | 0.99 | 439 |
| 2021-10-01 | $398,500 (14.8%) | $825,232 (18.4%) | 1.06 | 407 |
| 2021-11-01 | $404,000 (15.8%) | $903,815 (28.3%) | 1.08 | 395 |
| 2021-12-01 | $431,000 (23.7%) | $988,075 (37.7%) | 1.17 | 360 |
| 2022-01-01 | $429,000 (22.6%) | $964,474 (37.0%) | 1.16 | 330 |
| 2022-02-01 | $402,000 (16.9%) | $1,006,260 (38.8%) | 1.05 | 337 |
| 2022-03-01 | $399,200 (14.2%) | $966,311 (30.4%) | 1.00 | 343 |
| 2022-04-01 | $420,575 (14.8%) | $890,652 (14.7%) | 1.00 | 387 |
| 2022-05-01 | $427,235 (7.7%) | $909,406 (5.7%) | 0.98 | 465 |
| 2022-06-01 | $427,000 (9.5%) | $835,009 (-9.4%) | 0.95 | 572 |
| 2022-07-01 | $425,000 (17.4%) | $864,450 (-2.5%) | 0.96 | 723 |
| 2022-08-01 | $414,988 (12.5%) | $838,383 (-5.4%) | 0.96 | 795 |
| 2022-09-01 | $417,450 (12.5%) | $838,614 (1.8%) | 0.98 | 818 |
| 2022-10-01 | $430,000 (7.9%) | $859,800 (4.2%) | 1.01 | 821 |
| 2022-11-01 | $431,700 (6.9%) | $853,291 (-5.6%) | 1.04 | 919 |
| 2022-12-01 | $429,900 (-0.3%) | $883,231 (-10.6%) | 1.06 | 954 |
| 2023-01-01 | $437,225 (1.9%) | $881,207 (-8.6%) | 1.08 | 997 |
| 2023-02-01 | $434,625 (8.1%) | $994,959 (-1.1%) | 1.05 | 1,048 |
| 2023-03-01 | $435,750 (9.2%) | $1,042,899 (7.9%) | 1.03 | 1,029 |
| 2023-04-01 | $446,000 (6.1%) | $1,064,617 (19.5%) | 1.04 | 1,008 |
| 2023-05-01 | $444,750 (4.1%) | $966,890 (6.3%) | 1.01 | 916 |
| 2023-06-01 | $442,000 (3.5%) | $984,712 (17.9%) | 0.99 | 892 |
| 2023-07-01 | $450,000 (5.9%) | $1,036,013 (19.9%) | 1.02 | 885 |
| 2023-08-01 | $449,225 (8.3%) | $1,037,554 (23.8%) | 1.03 | 900 |
| 2023-09-01 | $459,000 (10.0%) | $1,056,778 (26.0%) | 1.07 | 939 |
| 2023-10-01 | $467,450 (8.7%) | $1,042,019 (21.2%) | 1.10 | 1,057 |
| 2023-11-01 | $469,000 (8.6%) | $1,025,264 (20.2%) | 1.12 | 1,177 |
| 2023-12-01 | $475,000 (10.5%) | $1,018,127 (15.3%) | 1.16 | 1,261 |
| 2024-01-01 | $482,000 (10.2%) | $1,007,183 (14.3%) | 1.18 | 1,372 |
| 2024-02-01 | $475,000 (9.3%) | $991,392 (-0.4%) | 1.14 | 1,531 |
| 2024-03-01 | $460,000 (5.6%) | $975,144 (-6.5%) | 1.08 | 1,608 |
| 2024-04-01 | $459,725 (3.1%) | $952,258 (-10.6%) | 1.07 | 1,620 |
| 2024-05-01 | $459,950 (3.4%) | $956,279 (-1.1%) | 1.05 | 1,576 |
| 2024-06-01 | $450,000 (1.8%) | $893,373 (-9.3%) | 1.02 | 1,595 |
| 2024-07-01 | $450,000 (0.0%) | $898,921 (-13.2%) | 1.03 | 1,544 |
| 2024-08-01 | $443,950 (-1.2%) | $877,569 (-15.4%) | 1.03 | 1,466 |
| 2024-09-01 | $447,000 (-2.6%) | $883,159 (-16.4%) | 1.05 | 1,494 |
| 2024-10-01 | $449,450 (-3.9%) | $899,560 (-13.7%) | 1.06 | 1,529 |
| 2024-11-01 | $444,450 (-5.2%) | $909,061 (-11.3%) | 1.07 | 1,656 |
| 2024-12-01 | $449,000 (-5.5%) | $951,916 (-6.5%) | 1.12 | 1,715 |
| 2025-01-01 | $450,000 (-6.6%) | $968,945 (-3.8%) | 1.12 | 1,836 |
| 2025-02-01 | $450,000 (-5.3%) | $968,030 (-2.4%) | 1.09 | 1,969 |
| 2025-03-01 | $449,900 (-2.2%) | $930,600 (-4.6%) | 1.06 | 2,045 |
| 2025-04-01 | $449,973 (-2.1%) | $920,809 (-3.3%) | 1.04 | 2,023 |
Sebastian's median listing price comes in at 104% of the national average.
Sebastian's average listing price for 2025-04-01 was $920,809, a difference of $-31,449 (-3.3%) versus the prior year and $-9,791 versus the prior month.
For the 2025-04-01 period, Sebastian had 2,023 MLS listings, a difference of -22 listings (-1%) versus the prior month and 403 listings (25%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Sebastian (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 81 days | 2,058 sqft |
| 2018-02-01 | 70 days | 2,059 sqft |
| 2018-03-01 | 64 days | 2,050 sqft |
| 2018-04-01 | 73 days | 2,078 sqft |
| 2018-05-01 | 79 days | 2,038 sqft |
| 2018-06-01 | 85 days | 2,038 sqft |
| 2018-07-01 | 88 days | 2,049 sqft |
| 2018-08-01 | 89 days | 2,043 sqft |
| 2018-09-01 | 84 days | 2,046 sqft |
| 2018-10-01 | 79 days | 2,042 sqft |
| 2018-11-01 | 78 days | 2,038 sqft |
| 2018-12-01 | 79 days | 2,018 sqft |
| 2019-01-01 | 86 days | 2,004 sqft |
| 2019-02-01 | 78 days | 2,005 sqft |
| 2019-03-01 | 77 days | 1,991 sqft |
| 2019-04-01 | 79 days | 1,981 sqft |
| 2019-05-01 | 81 days | 1,961 sqft |
| 2019-06-01 | 89 days | 1,970 sqft |
| 2019-07-01 | 92 days | 1,975 sqft |
| 2019-08-01 | 89 days | 1,975 sqft |
| 2019-09-01 | 88 days | 1,978 sqft |
| 2019-10-01 | 89 days | 1,980 sqft |
| 2019-11-01 | 82 days | 1,914 sqft |
| 2019-12-01 | 76 days | 1,900 sqft |
| 2020-01-01 | 80 days | 1,901 sqft |
| 2020-02-01 | 82 days | 1,900 sqft |
| 2020-03-01 | 74 days | 1,905 sqft |
| 2020-04-01 | 83 days | 1,908 sqft |
| 2020-05-01 | 95 days | 1,900 sqft |
| 2020-06-01 | 101 days | 1,900 sqft |
| 2020-07-01 | 98 days | 1,900 sqft |
| 2020-08-01 | 89 days | 1,900 sqft |
| 2020-09-01 | 93 days | 1,900 sqft |
| 2020-10-01 | 83 days | 1,900 sqft |
| 2020-11-01 | 67 days | 1,900 sqft |
| 2020-12-01 | 67 days | 1,900 sqft |
| 2021-01-01 | 69 days | 1,900 sqft |
| 2021-02-01 | 50 days | 1,851 sqft |
| 2021-03-01 | 45 days | 1,848 sqft |
| 2021-04-01 | 42 days | 1,861 sqft |
| 2021-05-01 | 46 days | 1,865 sqft |
| 2021-06-01 | 45 days | 1,833 sqft |
| 2021-07-01 | 46 days | 1,770 sqft |
| 2021-08-01 | 47 days | 1,766 sqft |
| 2021-09-01 | 47 days | 1,729 sqft |
| 2021-10-01 | 45 days | 1,815 sqft |
| 2021-11-01 | 47 days | 1,819 sqft |
| 2021-12-01 | 52 days | 1,838 sqft |
| 2022-01-01 | 49 days | 1,868 sqft |
| 2022-02-01 | 35 days | 1,757 sqft |
| 2022-03-01 | 34 days | 1,693 sqft |
| 2022-04-01 | 33 days | 1,700 sqft |
| 2022-05-01 | 35 days | 1,700 sqft |
| 2022-06-01 | 36 days | 1,709 sqft |
| 2022-07-01 | 37 days | 1,700 sqft |
| 2022-08-01 | 48 days | 1,717 sqft |
| 2022-09-01 | 58 days | 1,708 sqft |
| 2022-10-01 | 65 days | 1,788 sqft |
| 2022-11-01 | 64 days | 1,794 sqft |
| 2022-12-01 | 64 days | 1,780 sqft |
| 2023-01-01 | 71 days | 1,789 sqft |
| 2023-02-01 | 61 days | 1,805 sqft |
| 2023-03-01 | 57 days | 1,821 sqft |
| 2023-04-01 | 63 days | 1,828 sqft |
| 2023-05-01 | 65 days | 1,780 sqft |
| 2023-06-01 | 66 days | 1,783 sqft |
| 2023-07-01 | 71 days | 1,811 sqft |
| 2023-08-01 | 65 days | 1,828 sqft |
| 2023-09-01 | 64 days | 1,828 sqft |
| 2023-10-01 | 60 days | 1,819 sqft |
| 2023-11-01 | 58 days | 1,813 sqft |
| 2023-12-01 | 65 days | 1,770 sqft |
| 2024-01-01 | 70 days | 1,786 sqft |
| 2024-02-01 | 65 days | 1,778 sqft |
| 2024-03-01 | 63 days | 1,780 sqft |
| 2024-04-01 | 70 days | 1,795 sqft |
| 2024-05-01 | 73 days | 1,786 sqft |
| 2024-06-01 | 76 days | 1,749 sqft |
| 2024-07-01 | 79 days | 1,750 sqft |
| 2024-08-01 | 79 days | 1,760 sqft |
| 2024-09-01 | 79 days | 1,761 sqft |
| 2024-10-01 | 78 days | 1,762 sqft |
| 2024-11-01 | 73 days | 1,768 sqft |
| 2024-12-01 | 76 days | 1,770 sqft |
| 2025-01-01 | 75 days | 1,773 sqft |
| 2025-02-01 | 75 days | 1,782 sqft |
| 2025-03-01 | 69 days | 1,751 sqft |
| 2025-04-01 | 77 days | 1,753 sqft |
Sebastian's median square footage for active listings during the 2025-04-01 period was 1,753 sqft. One year prior, the average listing was 1,795 sqft.