Trenton USDA Loan Rates, Closing Costs & Stats
TRENTON-PRINCETON, NJ
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.
Trenton's 1 lenders originated 1 USDA loans during 2024. The total origination value was $325,000, with an average USDA loan value of $325,000.
Trenton USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Trenton
averaged
6.58%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Trenton's average USDA mortgage closing costs are $7,491.
The average rate for the prior week (2025-05-16) was
6.81% and
one month ago for the week of 2025-04-18, the
average rate was 6.5%.
The average rate one year ago was 7.07%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.85%.
Trenton 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 Trenton level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| PINNACLE MORTGAGE, INC. | 1 | 7.50% | $5,850 |
The lowest fee Trenton USDA lenders (with over 10 loans originated) are
.
The lowest rate Trenton USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Trenton (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 | $227,175 (4.7%) | $382,058 (-4.5%) | 0.84 | 1,156 |
| 2018-02-01 | $228,550 (1.6%) | $386,625 (-2.7%) | 0.83 | 1,205 |
| 2018-03-01 | $255,000 (11.1%) | $424,270 (0.3%) | 0.89 | 1,192 |
| 2018-04-01 | $274,250 (5.9%) | $475,863 (5.0%) | 0.93 | 1,313 |
| 2018-05-01 | $301,200 (11.6%) | $504,014 (6.6%) | 1.01 | 1,398 |
| 2018-06-01 | $299,999 (9.1%) | $495,719 (2.0%) | 1.00 | 1,484 |
| 2018-07-01 | $304,450 (8.9%) | $487,408 (0.5%) | 1.02 | 1,515 |
| 2018-08-01 | $299,000 (10.9%) | $483,118 (4.0%) | 1.00 | 1,496 |
| 2018-09-01 | $289,950 (10.9%) | $469,656 (2.4%) | 0.97 | 1,508 |
| 2018-10-01 | $289,000 (13.4%) | $467,512 (3.6%) | 0.98 | 1,481 |
| 2018-11-01 | $284,500 (16.1%) | $472,547 (11.4%) | 0.96 | 1,411 |
| 2018-12-01 | $270,450 (17.6%) | $448,552 (9.0%) | 0.93 | 1,246 |
| 2019-01-01 | $267,000 (17.5%) | $443,245 (16.0%) | 0.92 | 1,136 |
| 2019-02-01 | $282,100 (23.4%) | $467,039 (20.8%) | 0.95 | 1,142 |
| 2019-03-01 | $306,143 (20.1%) | $491,375 (15.8%) | 1.00 | 1,224 |
| 2019-04-01 | $329,450 (20.1%) | $525,647 (10.5%) | 1.05 | 1,306 |
| 2019-05-01 | $349,900 (16.2%) | $549,328 (9.0%) | 1.09 | 1,381 |
| 2019-06-01 | $359,000 (19.7%) | $556,498 (12.3%) | 1.12 | 1,366 |
| 2019-07-01 | $352,394 (15.8%) | $543,541 (11.5%) | 1.10 | 1,376 |
| 2019-08-01 | $349,245 (16.8%) | $535,612 (10.9%) | 1.11 | 1,320 |
| 2019-09-01 | $349,614 (20.6%) | $535,777 (14.1%) | 1.12 | 1,238 |
| 2019-10-01 | $349,859 (21.1%) | $535,887 (14.6%) | 1.13 | 1,185 |
| 2019-11-01 | $330,000 (16.0%) | $529,155 (12.0%) | 1.08 | 1,129 |
| 2019-12-01 | $327,000 (20.9%) | $530,701 (18.3%) | 1.09 | 929 |
| 2020-01-01 | $320,725 (20.1%) | $529,696 (19.5%) | 1.07 | 829 |
| 2020-02-01 | $339,900 (20.5%) | $548,508 (17.4%) | 1.11 | 854 |
| 2020-03-01 | $370,550 (21.0%) | $593,569 (20.8%) | 1.16 | 902 |
| 2020-04-01 | $361,000 (9.6%) | $581,581 (10.6%) | 1.13 | 803 |
| 2020-05-01 | $385,000 (10.0%) | $581,959 (5.9%) | 1.17 | 791 |
| 2020-06-01 | $406,970 (13.4%) | $597,505 (7.4%) | 1.20 | 811 |
| 2020-07-01 | $403,723 (14.6%) | $625,994 (15.2%) | 1.17 | 765 |
| 2020-08-01 | $409,000 (17.1%) | $638,713 (19.3%) | 1.17 | 689 |
| 2020-09-01 | $422,450 (20.8%) | $656,897 (22.6%) | 1.21 | 652 |
| 2020-10-01 | $410,000 (17.2%) | $649,449 (21.2%) | 1.17 | 621 |
| 2020-11-01 | $385,725 (16.9%) | $632,720 (19.6%) | 1.13 | 581 |
| 2020-12-01 | $389,748 (19.2%) | $635,056 (19.7%) | 1.16 | 502 |
| 2021-01-01 | $371,250 (15.8%) | $613,125 (15.8%) | 1.11 | 392 |
| 2021-02-01 | $377,000 (10.9%) | $718,218 (30.9%) | 1.10 | 328 |
| 2021-03-01 | $399,450 (7.8%) | $724,112 (22.0%) | 1.13 | 370 |
| 2021-04-01 | $389,225 (7.8%) | $710,502 (22.2%) | 1.05 | 391 |
| 2021-05-01 | $399,900 (3.9%) | $686,924 (18.0%) | 1.06 | 474 |
| 2021-06-01 | $355,200 (-12.7%) | $609,571 (2.0%) | 0.94 | 610 |
| 2021-07-01 | $350,000 (-13.3%) | $576,887 (-7.8%) | 0.92 | 697 |
| 2021-08-01 | $354,900 (-13.2%) | $580,077 (-9.2%) | 0.95 | 662 |
| 2021-09-01 | $355,950 (-15.7%) | $594,873 (-9.4%) | 0.95 | 625 |
| 2021-10-01 | $339,000 (-17.3%) | $580,945 (-10.6%) | 0.90 | 601 |
| 2021-11-01 | $327,500 (-15.1%) | $582,731 (-7.9%) | 0.88 | 509 |
| 2021-12-01 | $294,200 (-24.5%) | $554,034 (-12.8%) | 0.80 | 413 |
| 2022-01-01 | $275,000 (-25.9%) | $549,949 (-10.3%) | 0.74 | 322 |
| 2022-02-01 | $284,975 (-24.4%) | $610,949 (-14.9%) | 0.74 | 339 |
| 2022-03-01 | $307,475 (-23.0%) | $625,471 (-13.6%) | 0.77 | 365 |
| 2022-04-01 | $329,450 (-15.4%) | $680,449 (-4.2%) | 0.79 | 396 |
| 2022-05-01 | $372,000 (-7.0%) | $702,000 (2.2%) | 0.85 | 499 |
| 2022-06-01 | $377,500 (6.3%) | $686,923 (12.7%) | 0.84 | 527 |
| 2022-07-01 | $374,950 (7.1%) | $647,359 (12.2%) | 0.84 | 574 |
| 2022-08-01 | $388,775 (9.5%) | $644,129 (11.0%) | 0.90 | 583 |
| 2022-09-01 | $375,225 (5.4%) | $633,640 (6.5%) | 0.88 | 523 |
| 2022-10-01 | $378,000 (11.5%) | $657,068 (13.1%) | 0.89 | 516 |
| 2022-11-01 | $374,950 (14.5%) | $625,281 (7.3%) | 0.90 | 517 |
| 2022-12-01 | $359,000 (22.0%) | $603,448 (8.9%) | 0.89 | 424 |
| 2023-01-01 | $369,950 (34.5%) | $611,320 (11.2%) | 0.92 | 366 |
| 2023-02-01 | $374,850 (31.5%) | $659,532 (8.0%) | 0.90 | 339 |
| 2023-03-01 | $387,000 (25.9%) | $686,810 (9.8%) | 0.91 | 332 |
| 2023-04-01 | $419,999 (27.5%) | $757,033 (11.3%) | 0.98 | 323 |
| 2023-05-01 | $460,975 (23.9%) | $787,754 (12.2%) | 1.05 | 322 |
| 2023-06-01 | $495,500 (31.3%) | $822,369 (19.7%) | 1.11 | 350 |
| 2023-07-01 | $459,900 (22.7%) | $824,094 (27.3%) | 1.05 | 353 |
| 2023-08-01 | $444,950 (14.5%) | $798,416 (24.0%) | 1.02 | 376 |
| 2023-09-01 | $420,000 (11.9%) | $772,047 (21.8%) | 0.98 | 381 |
| 2023-10-01 | $427,450 (13.1%) | $737,658 (12.3%) | 1.01 | 409 |
| 2023-11-01 | $394,672 (5.3%) | $696,490 (11.4%) | 0.94 | 380 |
| 2023-12-01 | $380,000 (5.9%) | $611,222 (1.3%) | 0.93 | 323 |
| 2024-01-01 | $392,000 (6.0%) | $618,403 (1.2%) | 0.96 | 300 |
| 2024-02-01 | $384,500 (2.6%) | $606,912 (-8.0%) | 0.93 | 298 |
| 2024-03-01 | $399,900 (3.3%) | $657,574 (-4.3%) | 0.94 | 317 |
| 2024-04-01 | $447,475 (6.5%) | $708,887 (-6.4%) | 1.04 | 359 |
| 2024-05-01 | $453,250 (-1.7%) | $766,700 (-2.7%) | 1.03 | 397 |
| 2024-06-01 | $469,450 (-5.3%) | $800,456 (-2.7%) | 1.07 | 417 |
| 2024-07-01 | $460,000 (0.0%) | $781,129 (-5.2%) | 1.05 | 438 |
| 2024-08-01 | $450,000 (1.1%) | $719,684 (-9.9%) | 1.05 | 493 |
| 2024-09-01 | $461,000 (9.8%) | $718,147 (-7.0%) | 1.08 | 542 |
| 2024-10-01 | $471,475 (10.3%) | $719,461 (-2.5%) | 1.11 | 544 |
| 2024-11-01 | $449,900 (14.0%) | $710,164 (2.0%) | 1.08 | 521 |
| 2024-12-01 | $422,000 (11.1%) | $697,345 (14.1%) | 1.05 | 442 |
| 2025-01-01 | $417,000 (6.4%) | $690,891 (11.7%) | 1.04 | 414 |
| 2025-02-01 | $432,000 (12.4%) | $703,347 (15.9%) | 1.05 | 408 |
| 2025-03-01 | $450,000 (12.5%) | $723,244 (10.0%) | 1.06 | 497 |
| 2025-04-01 | $465,000 (3.9%) | $772,108 (8.9%) | 1.08 | 536 |
Trenton's median listing price comes in at 108% of the national average.
Trenton's average listing price for 2025-04-01 was $772,108, a difference of $63,221 (8.9%) versus the prior year and $48,864 versus the prior month.
For the 2025-04-01 period, Trenton had 536 MLS listings, a difference of 39 listings (8%) versus the prior month and 177 listings (49%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Trenton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 88 days | 1,556 sqft |
| 2018-02-01 | 78 days | 1,564 sqft |
| 2018-03-01 | 58 days | 1,620 sqft |
| 2018-04-01 | 47 days | 1,673 sqft |
| 2018-05-01 | 46 days | 1,738 sqft |
| 2018-06-01 | 51 days | 1,745 sqft |
| 2018-07-01 | 60 days | 1,746 sqft |
| 2018-08-01 | 63 days | 1,750 sqft |
| 2018-09-01 | 68 days | 1,708 sqft |
| 2018-10-01 | 67 days | 1,719 sqft |
| 2018-11-01 | 67 days | 1,719 sqft |
| 2018-12-01 | 76 days | 1,656 sqft |
| 2019-01-01 | 81 days | 1,660 sqft |
| 2019-02-01 | 72 days | 1,705 sqft |
| 2019-03-01 | 52 days | 1,761 sqft |
| 2019-04-01 | 44 days | 1,822 sqft |
| 2019-05-01 | 45 days | 1,893 sqft |
| 2019-06-01 | 55 days | 1,903 sqft |
| 2019-07-01 | 59 days | 1,886 sqft |
| 2019-08-01 | 61 days | 1,885 sqft |
| 2019-09-01 | 65 days | 1,886 sqft |
| 2019-10-01 | 68 days | 1,879 sqft |
| 2019-11-01 | 71 days | 1,844 sqft |
| 2019-12-01 | 83 days | 1,811 sqft |
| 2020-01-01 | 87 days | 1,817 sqft |
| 2020-02-01 | 68 days | 1,895 sqft |
| 2020-03-01 | 43 days | 1,958 sqft |
| 2020-04-01 | 58 days | 1,942 sqft |
| 2020-05-01 | 74 days | 1,978 sqft |
| 2020-06-01 | 61 days | 2,027 sqft |
| 2020-07-01 | 46 days | 1,990 sqft |
| 2020-08-01 | 44 days | 1,942 sqft |
| 2020-09-01 | 43 days | 1,987 sqft |
| 2020-10-01 | 48 days | 1,960 sqft |
| 2020-11-01 | 50 days | 1,894 sqft |
| 2020-12-01 | 60 days | 1,902 sqft |
| 2021-01-01 | 64 days | 1,864 sqft |
| 2021-02-01 | 55 days | 1,815 sqft |
| 2021-03-01 | 24 days | 1,821 sqft |
| 2021-04-01 | 24 days | 1,807 sqft |
| 2021-05-01 | 26 days | 1,820 sqft |
| 2021-06-01 | 30 days | 1,656 sqft |
| 2021-07-01 | 33 days | 1,643 sqft |
| 2021-08-01 | 43 days | 1,641 sqft |
| 2021-09-01 | 48 days | 1,634 sqft |
| 2021-10-01 | 42 days | 1,621 sqft |
| 2021-11-01 | 48 days | 1,583 sqft |
| 2021-12-01 | 63 days | 1,518 sqft |
| 2022-01-01 | 58 days | 1,499 sqft |
| 2022-02-01 | 40 days | 1,495 sqft |
| 2022-03-01 | 33 days | 1,525 sqft |
| 2022-04-01 | 26 days | 1,578 sqft |
| 2022-05-01 | 30 days | 1,654 sqft |
| 2022-06-01 | 33 days | 1,702 sqft |
| 2022-07-01 | 36 days | 1,663 sqft |
| 2022-08-01 | 40 days | 1,661 sqft |
| 2022-09-01 | 48 days | 1,680 sqft |
| 2022-10-01 | 55 days | 1,651 sqft |
| 2022-11-01 | 56 days | 1,685 sqft |
| 2022-12-01 | 64 days | 1,657 sqft |
| 2023-01-01 | 74 days | 1,700 sqft |
| 2023-02-01 | 55 days | 1,682 sqft |
| 2023-03-01 | 37 days | 1,691 sqft |
| 2023-04-01 | 37 days | 1,678 sqft |
| 2023-05-01 | 32 days | 1,697 sqft |
| 2023-06-01 | 30 days | 1,818 sqft |
| 2023-07-01 | 33 days | 1,789 sqft |
| 2023-08-01 | 31 days | 1,705 sqft |
| 2023-09-01 | 33 days | 1,666 sqft |
| 2023-10-01 | 36 days | 1,720 sqft |
| 2023-11-01 | 42 days | 1,604 sqft |
| 2023-12-01 | 46 days | 1,574 sqft |
| 2024-01-01 | 51 days | 1,585 sqft |
| 2024-02-01 | 36 days | 1,573 sqft |
| 2024-03-01 | 33 days | 1,687 sqft |
| 2024-04-01 | 25 days | 1,722 sqft |
| 2024-05-01 | 27 days | 1,700 sqft |
| 2024-06-01 | 33 days | 1,764 sqft |
| 2024-07-01 | 40 days | 1,741 sqft |
| 2024-08-01 | 34 days | 1,721 sqft |
| 2024-09-01 | 36 days | 1,704 sqft |
| 2024-10-01 | 41 days | 1,725 sqft |
| 2024-11-01 | 48 days | 1,641 sqft |
| 2024-12-01 | 52 days | 1,550 sqft |
| 2025-01-01 | 60 days | 1,542 sqft |
| 2025-02-01 | 52 days | 1,564 sqft |
| 2025-03-01 | 29 days | 1,650 sqft |
| 2025-04-01 | 31 days | 1,686 sqft |
Trenton's median square footage for active listings during the 2025-04-01 period was 1,686 sqft. One year prior, the average listing was 1,722 sqft.