Susanville USDA Loan Rates, Closing Costs & Stats
Susanville, 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.
Susanville's 3 lenders originated 8 USDA loans during 2023. The total origination value was $1,590,000, with an average USDA loan value of $198,750.
Susanville USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Susanville
averaged
6.34%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Susanville's average USDA mortgage closing costs are $6,740.
The average rate for the prior week (2025-02-07) was
6.3% and
one month ago for the week of 2025-01-10, the
average rate was 6.44%.
The average rate one year ago was 6.44%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.33%.
Susanville 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 Susanville level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| AXIA FINANCIAL, LLC | 6 | 6.33% | $8,761 |
| CROSSCOUNTRY MORTGAGE, LLC | 1 | 5.49% | $10,014 |
| GUILD MORTGAGE COMPANY | 1 | 6.25% | $10,402 |
The top Susanville USDA lender as defined by loan originations is AXIA FINANCIAL, LLC, with
6 USDA loans originated. Their average total fees are
$8,761, which is $1,253
lower than the next largest lender,
CROSSCOUNTRY MORTGAGE, LLC.
The lowest fee Susanville USDA lenders (with over 10 loans originated) are
.
The lowest rate Susanville USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Susanville (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 | $189,900 (-14.4%) | $394,522 (-26.7%) | 0.00 | 140 |
| 2018-02-01 | $198,725 (-12.5%) | $401,301 (-30.8%) | 0.00 | 142 |
| 2018-03-01 | $219,900 (-12.0%) | $412,870 (-25.0%) | 0.00 | 147 |
| 2018-04-01 | $218,700 (-4.7%) | $404,444 (-15.6%) | 0.00 | 162 |
| 2018-05-01 | $228,000 (4.2%) | $428,735 (2.9%) | 0.00 | 178 |
| 2018-06-01 | $239,900 (5.1%) | $412,085 (-0.2%) | 0.00 | 197 |
| 2018-07-01 | $244,725 (3.3%) | $398,909 (-13.9%) | 0.00 | 220 |
| 2018-08-01 | $245,000 (6.8%) | $394,368 (-14.1%) | 0.00 | 216 |
| 2018-09-01 | $235,000 (6.8%) | $308,398 (-30.6%) | 0.00 | 220 |
| 2018-10-01 | $227,000 (8.7%) | $299,367 (-32.0%) | 0.00 | 209 |
| 2018-11-01 | $216,000 (2.9%) | $298,300 (-22.7%) | 0.00 | 186 |
| 2018-12-01 | $224,500 (13.1%) | $307,381 (-23.0%) | 0.00 | 163 |
| 2019-01-01 | $232,000 (22.2%) | $334,720 (-15.2%) | 0.00 | 134 |
| 2019-02-01 | $232,450 (17.0%) | $378,039 (-5.8%) | 0.00 | 137 |
| 2019-03-01 | $224,929 (2.3%) | $368,181 (-10.8%) | 0.00 | 139 |
| 2019-04-01 | $227,428 (4.0%) | $357,066 (-11.7%) | 0.00 | 145 |
| 2019-05-01 | $239,900 (5.2%) | $387,282 (-9.7%) | 0.00 | 169 |
| 2019-06-01 | $244,900 (2.1%) | $357,754 (-13.2%) | 0.00 | 182 |
| 2019-07-01 | $241,225 (-1.4%) | $385,102 (-3.5%) | 0.00 | 195 |
| 2019-08-01 | $242,455 (-1.0%) | $368,280 (-6.6%) | 0.00 | 199 |
| 2019-09-01 | $246,136 (4.7%) | $341,037 (10.6%) | 0.00 | 207 |
| 2019-10-01 | $249,000 (9.7%) | $321,368 (7.4%) | 0.00 | 208 |
| 2019-11-01 | $249,000 (15.3%) | $321,171 (7.7%) | 0.00 | 191 |
| 2019-12-01 | $248,175 (10.6%) | $331,918 (8.0%) | 0.00 | 169 |
| 2020-01-01 | $233,000 (0.4%) | $302,861 (-9.5%) | 0.00 | 148 |
| 2020-02-01 | $219,500 (-5.6%) | $284,617 (-24.7%) | 0.00 | 137 |
| 2020-03-01 | $225,000 (0.0%) | $288,549 (-21.6%) | 0.00 | 147 |
| 2020-04-01 | $237,000 (4.2%) | $291,279 (-18.4%) | 0.00 | 154 |
| 2020-05-01 | $249,999 (4.2%) | $307,818 (-20.5%) | 0.00 | 134 |
| 2020-06-01 | $275,500 (12.5%) | $347,022 (-3.0%) | 0.00 | 126 |
| 2020-07-01 | $269,800 (11.9%) | $415,025 (7.8%) | 0.00 | 120 |
| 2020-08-01 | $249,000 (2.7%) | $423,907 (15.1%) | 0.00 | 106 |
| 2020-09-01 | $263,450 (7.0%) | $448,966 (31.7%) | 0.00 | 108 |
| 2020-10-01 | $260,000 (4.4%) | $459,440 (43.0%) | 0.00 | 99 |
| 2020-11-01 | $252,500 (1.4%) | $488,489 (52.1%) | 0.00 | 90 |
| 2020-12-01 | $241,725 (-2.6%) | $473,813 (42.8%) | 0.00 | 87 |
| 2021-01-01 | $269,000 (15.5%) | $539,016 (78.0%) | 0.00 | 69 |
| 2021-02-01 | $273,738 (24.7%) | $606,306 (113.0%) | 0.00 | 58 |
| 2021-03-01 | $237,425 (5.5%) | $579,264 (100.8%) | 0.00 | 61 |
| 2021-04-01 | $264,000 (11.4%) | $531,341 (82.4%) | 0.00 | 79 |
| 2021-05-01 | $274,000 (9.6%) | $450,277 (46.3%) | 0.00 | 126 |
| 2021-06-01 | $294,750 (7.0%) | $468,901 (35.1%) | 0.00 | 116 |
| 2021-07-01 | $310,000 (14.9%) | $496,072 (19.5%) | 0.00 | 121 |
| 2021-08-01 | $339,925 (36.5%) | $527,806 (24.5%) | 0.00 | 117 |
| 2021-09-01 | $342,450 (30.0%) | $498,498 (11.0%) | 0.00 | 117 |
| 2021-10-01 | $329,450 (26.7%) | $428,173 (-6.8%) | 0.00 | 108 |
| 2021-11-01 | $314,500 (24.6%) | $454,809 (-6.9%) | 0.00 | 106 |
| 2021-12-01 | $307,500 (27.2%) | $443,056 (-6.5%) | 0.00 | 107 |
| 2022-01-01 | $305,000 (13.4%) | $404,438 (-25.0%) | 0.00 | 86 |
| 2022-02-01 | $321,950 (17.6%) | $443,806 (-26.8%) | 0.00 | 67 |
| 2022-03-01 | $342,500 (44.3%) | $527,610 (-8.9%) | 0.00 | 76 |
| 2022-04-01 | $310,000 (17.4%) | $522,354 (-1.7%) | 0.00 | 76 |
| 2022-05-01 | $321,200 (17.2%) | $482,700 (7.2%) | 0.00 | 96 |
| 2022-06-01 | $309,725 (5.1%) | $381,316 (-18.7%) | 0.00 | 111 |
| 2022-07-01 | $322,450 (4.0%) | $389,571 (-21.5%) | 0.00 | 111 |
| 2022-08-01 | $304,000 (-10.6%) | $391,654 (-25.8%) | 0.00 | 117 |
| 2022-09-01 | $310,000 (-9.5%) | $385,134 (-22.7%) | 0.00 | 115 |
| 2022-10-01 | $299,500 (-9.1%) | $370,778 (-13.4%) | 0.00 | 125 |
| 2022-11-01 | $295,000 (-6.2%) | $330,793 (-27.3%) | 0.00 | 120 |
| 2022-12-01 | $295,000 (-4.1%) | $330,904 (-25.3%) | 0.00 | 98 |
| 2023-01-01 | $292,500 (-4.1%) | $376,452 (-6.9%) | 0.00 | 96 |
| 2023-02-01 | $299,500 (-7.0%) | $384,181 (-13.4%) | 0.00 | 90 |
| 2023-03-01 | $297,000 (-13.3%) | $382,562 (-27.5%) | 0.00 | 84 |
| 2023-04-01 | $309,900 (0.0%) | $400,039 (-23.4%) | 0.00 | 77 |
| 2023-05-01 | $315,000 (-1.9%) | $399,866 (-17.2%) | 0.00 | 99 |
| 2023-06-01 | $308,500 (-0.4%) | $392,840 (3.0%) | 0.00 | 117 |
| 2023-07-01 | $299,950 (-7.0%) | $383,675 (-1.5%) | 0.00 | 126 |
| 2023-08-01 | $307,950 (1.3%) | $394,260 (0.7%) | 0.00 | 128 |
| 2023-09-01 | $312,450 (0.8%) | $486,732 (26.4%) | 0.00 | 131 |
| 2023-10-01 | $304,925 (1.8%) | $481,081 (29.8%) | 0.00 | 135 |
| 2023-11-01 | $309,925 (5.1%) | $497,227 (50.3%) | 0.00 | 124 |
| 2023-12-01 | $299,000 (1.4%) | $486,768 (47.1%) | 0.00 | 117 |
| 2024-01-01 | $290,125 (-0.8%) | $447,153 (18.8%) | 0.00 | 113 |
| 2024-02-01 | $299,000 (-0.2%) | $463,872 (20.7%) | 0.00 | 101 |
| 2024-03-01 | $310,000 (4.4%) | $471,862 (23.3%) | 0.00 | 99 |
| 2024-04-01 | $304,950 (-1.6%) | $466,153 (16.5%) | 0.00 | 113 |
| 2024-05-01 | $315,000 (0.0%) | $467,521 (16.9%) | 0.00 | 126 |
| 2024-06-01 | $310,000 (0.5%) | $6,256,168 (1,492.6%) | 0.00 | 140 |
| 2024-07-01 | $303,750 (1.3%) | $440,313 (14.8%) | 0.00 | 144 |
| 2024-08-01 | $299,000 (-2.9%) | $444,059 (12.6%) | 0.00 | 133 |
| 2024-09-01 | $302,750 (-3.1%) | $448,313 (-7.9%) | 0.00 | 136 |
| 2024-10-01 | $299,450 (-1.8%) | $459,271 (-4.5%) | 0.00 | 132 |
| 2024-11-01 | $288,000 (-7.1%) | $447,210 (-10.1%) | 0.00 | 133 |
| 2024-12-01 | $287,625 (-3.8%) | $463,992 (-4.7%) | 0.00 | 115 |
| 2025-01-01 | $285,000 (-1.8%) | $453,836 (1.5%) | 0.00 | 97 |
Susanville's median listing price comes in at 0% of the national average.
Susanville's average listing price for 2025-01-01 was $453,836, a difference of $6,683 (1.5%) versus the prior year and $-10,156 versus the prior month.
For the 2025-01-01 period, Susanville had 97 MLS listings, a difference of -18 listings (-16%) versus the prior month and -16 listings (-14%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Susanville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,500 sqft |
| 2018-02-01 | 0 days | 1,503 sqft |
| 2018-03-01 | 0 days | 1,506 sqft |
| 2018-04-01 | 0 days | 1,544 sqft |
| 2018-05-01 | 0 days | 1,567 sqft |
| 2018-06-01 | 0 days | 1,613 sqft |
| 2018-07-01 | 0 days | 1,619 sqft |
| 2018-08-01 | 0 days | 1,627 sqft |
| 2018-09-01 | 0 days | 1,621 sqft |
| 2018-10-01 | 0 days | 1,606 sqft |
| 2018-11-01 | 0 days | 1,603 sqft |
| 2018-12-01 | 0 days | 1,572 sqft |
| 2019-01-01 | 0 days | 1,573 sqft |
| 2019-02-01 | 0 days | 1,569 sqft |
| 2019-03-01 | 0 days | 1,596 sqft |
| 2019-04-01 | 0 days | 1,632 sqft |
| 2019-05-01 | 0 days | 1,638 sqft |
| 2019-06-01 | 0 days | 1,639 sqft |
| 2019-07-01 | 0 days | 1,661 sqft |
| 2019-08-01 | 0 days | 1,665 sqft |
| 2019-09-01 | 0 days | 1,657 sqft |
| 2019-10-01 | 0 days | 1,645 sqft |
| 2019-11-01 | 0 days | 1,636 sqft |
| 2019-12-01 | 0 days | 1,578 sqft |
| 2020-01-01 | 0 days | 1,526 sqft |
| 2020-02-01 | 0 days | 1,453 sqft |
| 2020-03-01 | 0 days | 1,469 sqft |
| 2020-04-01 | 0 days | 1,508 sqft |
| 2020-05-01 | 0 days | 1,576 sqft |
| 2020-06-01 | 0 days | 1,677 sqft |
| 2020-07-01 | 0 days | 1,721 sqft |
| 2020-08-01 | 0 days | 1,596 sqft |
| 2020-09-01 | 0 days | 1,627 sqft |
| 2020-10-01 | 0 days | 1,567 sqft |
| 2020-11-01 | 0 days | 1,650 sqft |
| 2020-12-01 | 0 days | 1,661 sqft |
| 2021-01-01 | 0 days | 1,674 sqft |
| 2021-02-01 | 0 days | 1,694 sqft |
| 2021-03-01 | 0 days | 1,579 sqft |
| 2021-04-01 | 0 days | 1,555 sqft |
| 2021-05-01 | 0 days | 1,670 sqft |
| 2021-06-01 | 0 days | 1,811 sqft |
| 2021-07-01 | 0 days | 1,847 sqft |
| 2021-08-01 | 0 days | 1,864 sqft |
| 2021-09-01 | 0 days | 1,856 sqft |
| 2021-10-01 | 0 days | 1,848 sqft |
| 2021-11-01 | 0 days | 1,782 sqft |
| 2021-12-01 | 0 days | 1,727 sqft |
| 2022-01-01 | 0 days | 1,669 sqft |
| 2022-02-01 | 0 days | 1,699 sqft |
| 2022-03-01 | 0 days | 1,788 sqft |
| 2022-04-01 | 0 days | 1,752 sqft |
| 2022-05-01 | 0 days | 1,729 sqft |
| 2022-06-01 | 0 days | 1,671 sqft |
| 2022-07-01 | 0 days | 1,643 sqft |
| 2022-08-01 | 0 days | 1,564 sqft |
| 2022-09-01 | 0 days | 1,601 sqft |
| 2022-10-01 | 0 days | 1,603 sqft |
| 2022-11-01 | 0 days | 1,570 sqft |
| 2022-12-01 | 0 days | 1,559 sqft |
| 2023-01-01 | 0 days | 1,517 sqft |
| 2023-02-01 | 0 days | 1,517 sqft |
| 2023-03-01 | 0 days | 1,518 sqft |
| 2023-04-01 | 0 days | 1,628 sqft |
| 2023-05-01 | 0 days | 1,655 sqft |
| 2023-06-01 | 0 days | 1,673 sqft |
| 2023-07-01 | 0 days | 1,652 sqft |
| 2023-08-01 | 0 days | 1,657 sqft |
| 2023-09-01 | 0 days | 1,674 sqft |
| 2023-10-01 | 0 days | 1,680 sqft |
| 2023-11-01 | 0 days | 1,675 sqft |
| 2023-12-01 | 0 days | 1,626 sqft |
| 2024-01-01 | 0 days | 1,577 sqft |
| 2024-02-01 | 0 days | 1,600 sqft |
| 2024-03-01 | 0 days | 1,572 sqft |
| 2024-04-01 | 0 days | 1,621 sqft |
| 2024-05-01 | 0 days | 1,708 sqft |
| 2024-06-01 | 0 days | 1,676 sqft |
| 2024-07-01 | 0 days | 1,641 sqft |
| 2024-08-01 | 0 days | 1,661 sqft |
| 2024-09-01 | 0 days | 1,721 sqft |
| 2024-10-01 | 0 days | 1,742 sqft |
| 2024-11-01 | 0 days | 1,738 sqft |
| 2024-12-01 | 0 days | 1,710 sqft |
| 2025-01-01 | 0 days | 1,618 sqft |
Susanville's median square footage for active listings during the 2025-01-01 period was 1,618 sqft. One year prior, the average listing was 1,577 sqft.