Stockton USDA Loan Rates, Closing Costs & Stats

STOCKTON, CA

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    • 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.

    Stockton's 0 lenders originated 1 USDA loans during 2023. The total origination value was $15,000, with an average USDA loan value of $15,000.

    Stockton USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Stockton averaged 6.61% for the week of 2024-04-19, compared to the national average (all USDA variants) of 6.863% for the same period.

    Stockton's average USDA mortgage closing costs are $9,557.

    The average rate for the prior week (2024-04-12) was 6.56% and one month ago for the week of 2024-03-15, the average rate was 6.15%.

    The average rate one year ago was 5.89%.

    For refis of the same type during the week of 2024-04-19, the average rate was 6.73%.

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

    Stockton 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 Stockton level.

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

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Stockton (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 $383,500 (12.1%) $466,243 (8.2%) 1.42 825
    2018-02-01 $377,000 (8.0%) $467,496 (9.4%) 1.37 821
    2018-03-01 $375,000 (7.9%) $454,806 (6.6%) 1.32 828
    2018-04-01 $383,000 (6.4%) $470,046 (8.8%) 1.30 920
    2018-05-01 $383,000 (3.0%) $478,855 (7.4%) 1.28 1,039
    2018-06-01 $389,900 (2.8%) $482,302 (7.6%) 1.30 1,151
    2018-07-01 $389,900 (1.3%) $474,965 (5.9%) 1.30 1,217
    2018-08-01 $385,472 (1.4%) $463,983 (3.7%) 1.29 1,372
    2018-09-01 $385,000 (1.6%) $463,907 (4.0%) 1.29 1,476
    2018-10-01 $385,000 (2.7%) $460,663 (3.2%) 1.30 1,507
    2018-11-01 $386,425 (3.0%) $509,234 (12.2%) 1.31 1,505
    2018-12-01 $389,000 (2.4%) $461,578 (0.7%) 1.34 1,395
    2019-01-01 $386,250 (0.7%) $452,564 (-2.9%) 1.33 1,206
    2019-02-01 $380,000 (0.8%) $452,218 (-3.3%) 1.28 1,151
    2019-03-01 $400,082 (6.7%) $476,973 (4.9%) 1.31 1,141
    2019-04-01 $417,000 (8.9%) $488,914 (4.0%) 1.32 1,176
    2019-05-01 $419,475 (9.5%) $497,314 (3.9%) 1.31 1,303
    2019-06-01 $424,999 (9.0%) $554,533 (15.0%) 1.33 1,402
    2019-07-01 $428,598 (9.9%) $873,615 (83.9%) 1.34 1,456
    2019-08-01 $426,848 (10.7%) $1,030,356 (122.1%) 1.35 1,441
    2019-09-01 $422,121 (9.6%) $782,546 (68.7%) 1.35 1,467
    2019-10-01 $419,247 (8.9%) $534,562 (16.0%) 1.35 1,474
    2019-11-01 $425,000 (10.0%) $482,396 (-5.3%) 1.39 1,378
    2019-12-01 $432,500 (11.2%) $491,445 (6.5%) 1.44 1,131
    2020-01-01 $424,975 (10.0%) $494,574 (9.3%) 1.42 981
    2020-02-01 $434,000 (14.2%) $504,604 (11.6%) 1.42 893
    2020-03-01 $429,225 (7.3%) $500,527 (4.9%) 1.35 905
    2020-04-01 $429,450 (3.0%) $502,525 (2.8%) 1.35 975
    2020-05-01 $434,900 (3.7%) $511,381 (2.8%) 1.32 965
    2020-06-01 $446,500 (5.1%) $533,384 (-3.8%) 1.32 772
    2020-07-01 $445,000 (3.8%) $550,313 (-37.0%) 1.29 641
    2020-08-01 $449,250 (5.3%) $550,593 (-46.6%) 1.29 567
    2020-09-01 $455,975 (8.0%) $570,090 (-27.2%) 1.31 563
    2020-10-01 $450,000 (7.3%) $552,407 (3.3%) 1.29 556
    2020-11-01 $450,000 (5.9%) $574,401 (19.1%) 1.32 490
    2020-12-01 $449,950 (4.0%) $578,313 (17.7%) 1.34 400
    2021-01-01 $450,000 (5.9%) $604,149 (22.2%) 1.34 334
    2021-02-01 $459,500 (5.9%) $607,067 (20.3%) 1.34 330
    2021-03-01 $453,450 (5.6%) $590,781 (18.0%) 1.29 382
    2021-04-01 $498,250 (16.0%) $625,326 (24.4%) 1.35 410
    2021-05-01 $499,000 (14.7%) $623,769 (22.0%) 1.33 446
    2021-06-01 $524,595 (17.5%) $643,418 (20.6%) 1.38 569
    2021-07-01 $540,000 (21.4%) $643,722 (17.0%) 1.42 677
    2021-08-01 $537,450 (19.6%) $650,459 (18.1%) 1.43 792
    2021-09-01 $542,250 (18.9%) $646,095 (13.3%) 1.45 825
    2021-10-01 $539,570 (19.9%) $632,949 (14.6%) 1.44 816
    2021-11-01 $540,144 (20.0%) $632,138 (10.1%) 1.44 649
    2021-12-01 $542,475 (20.6%) $649,193 (12.3%) 1.47 491
    2022-01-01 $548,250 (21.8%) $660,166 (9.3%) 1.48 383
    2022-02-01 $565,000 (23.0%) $700,971 (15.5%) 1.47 395
    2022-03-01 $595,000 (31.2%) $740,624 (25.4%) 1.49 447
    2022-04-01 $600,000 (20.4%) $741,732 (18.6%) 1.43 559
    2022-05-01 $627,000 (25.7%) $733,646 (17.6%) 1.43 798
    2022-06-01 $631,997 (20.5%) $718,105 (11.6%) 1.41 1,031
    2022-07-01 $601,278 (11.4%) $682,566 (6.0%) 1.35 1,321
    2022-08-01 $594,795 (10.7%) $664,683 (2.2%) 1.38 1,333
    2022-09-01 $581,950 (7.3%) $659,698 (2.1%) 1.36 1,237
    2022-10-01 $560,000 (3.8%) $640,970 (1.3%) 1.32 1,239
    2022-11-01 $550,450 (1.9%) $636,525 (0.7%) 1.32 1,138
    2022-12-01 $542,745 (0.1%) $631,515 (-2.7%) 1.34 955
    2023-01-01 $539,495 (-1.6%) $623,692 (-5.5%) 1.34 798
    2023-02-01 $543,998 (-3.7%) $633,471 (-9.6%) 1.31 672
    2023-03-01 $547,500 (-8.0%) $646,803 (-12.7%) 1.29 574
    2023-04-01 $579,000 (-3.5%) $685,337 (-7.6%) 1.35 538
    2023-05-01 $575,000 (-8.3%) $681,551 (-7.1%) 1.30 546
    2023-06-01 $582,000 (-7.9%) $698,264 (-2.8%) 1.31 534
    2023-07-01 $587,800 (-2.2%) $705,176 (3.3%) 1.34 579
    2023-08-01 $585,965 (-1.5%) $681,632 (2.6%) 1.35 626
    2023-09-01 $579,450 (-0.4%) $671,364 (1.8%) 1.35 672
    2023-10-01 $582,500 (4.0%) $673,903 (5.1%) 1.37 716
    2023-11-01 $575,000 (4.5%) $677,296 (6.4%) 1.37 783
    2023-12-01 $549,000 (1.2%) $673,014 (6.6%) 1.34 702
    2024-01-01 $544,450 (0.9%) $678,020 (8.7%) 1.33 596
    2024-02-01 $549,500 (1.0%) $678,670 (7.1%) 1.32 613
    2024-03-01 $562,000 (2.7%) $672,079 (3.9%) 1.32 627
    Stockton's median listing price for 2024-03-01 was $562,000, a difference of $14,500 (2.7%) versus the prior year and $12,500 versus the prior month.

    Stockton's median listing price comes in at 132% of the national average.

    Stockton's average listing price for 2024-03-01 was $672,079, a difference of $25,276 (3.9%) versus the prior year and $-6,591 versus the prior month.

    For the 2024-03-01 period, Stockton had 627 MLS listings, a difference of 14 listings (2%) versus the prior month and 53 listings (9%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Stockton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 53 days 1,891 sqft
    2018-02-01 37 days 1,824 sqft
    2018-03-01 33 days 1,787 sqft
    2018-04-01 31 days 1,797 sqft
    2018-05-01 30 days 1,800 sqft
    2018-06-01 36 days 1,830 sqft
    2018-07-01 37 days 1,819 sqft
    2018-08-01 37 days 1,787 sqft
    2018-09-01 37 days 1,800 sqft
    2018-10-01 44 days 1,808 sqft
    2018-11-01 45 days 1,794 sqft
    2018-12-01 53 days 1,800 sqft
    2019-01-01 63 days 1,786 sqft
    2019-02-01 48 days 1,774 sqft
    2019-03-01 40 days 1,827 sqft
    2019-04-01 37 days 1,873 sqft
    2019-05-01 36 days 1,915 sqft
    2019-06-01 38 days 1,900 sqft
    2019-07-01 43 days 1,926 sqft
    2019-08-01 46 days 1,920 sqft
    2019-09-01 46 days 1,879 sqft
    2019-10-01 47 days 1,851 sqft
    2019-11-01 52 days 1,886 sqft
    2019-12-01 64 days 1,889 sqft
    2020-01-01 66 days 1,856 sqft
    2020-02-01 50 days 1,890 sqft
    2020-03-01 41 days 1,877 sqft
    2020-04-01 44 days 1,867 sqft
    2020-05-01 56 days 1,897 sqft
    2020-06-01 58 days 1,918 sqft
    2020-07-01 58 days 1,900 sqft
    2020-08-01 40 days 1,900 sqft
    2020-09-01 35 days 1,887 sqft
    2020-10-01 35 days 1,828 sqft
    2020-11-01 38 days 1,827 sqft
    2020-12-01 46 days 1,779 sqft
    2021-01-01 44 days 1,774 sqft
    2021-02-01 28 days 1,701 sqft
    2021-03-01 27 days 1,638 sqft
    2021-04-01 23 days 1,728 sqft
    2021-05-01 24 days 1,753 sqft
    2021-06-01 21 days 1,830 sqft
    2021-07-01 25 days 1,827 sqft
    2021-08-01 25 days 1,844 sqft
    2021-09-01 30 days 1,838 sqft
    2021-10-01 33 days 1,836 sqft
    2021-11-01 40 days 1,825 sqft
    2021-12-01 45 days 1,803 sqft
    2022-01-01 39 days 1,760 sqft
    2022-02-01 28 days 1,737 sqft
    2022-03-01 25 days 1,821 sqft
    2022-04-01 24 days 1,890 sqft
    2022-05-01 24 days 1,904 sqft
    2022-06-01 26 days 1,925 sqft
    2022-07-01 31 days 1,894 sqft
    2022-08-01 38 days 1,900 sqft
    2022-09-01 45 days 1,896 sqft
    2022-10-01 48 days 1,871 sqft
    2022-11-01 51 days 1,878 sqft
    2022-12-01 62 days 1,848 sqft
    2023-01-01 65 days 1,852 sqft
    2023-02-01 53 days 1,871 sqft
    2023-03-01 45 days 1,849 sqft
    2023-04-01 33 days 1,910 sqft
    2023-05-01 34 days 1,859 sqft
    2023-06-01 33 days 1,897 sqft
    2023-07-01 30 days 1,885 sqft
    2023-08-01 32 days 1,865 sqft
    2023-09-01 35 days 1,837 sqft
    2023-10-01 38 days 1,868 sqft
    2023-11-01 39 days 1,841 sqft
    2023-12-01 47 days 1,769 sqft
    2024-01-01 54 days 1,783 sqft
    2024-02-01 37 days 1,766 sqft
    2024-03-01 36 days 1,824 sqft
    Stockton's median listing age (time on market) for 2024-03-01 was 36 days. This is -19% shorter than the same period one year ago.

    Stockton's median square footage for active listings during the 2024-03-01 period was 1,824 sqft. One year prior, the average listing was 1,849 sqft.