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
0.05%
for the week of 2026-09-11, compared to the national average (all USDA variants) of
0% for the same period.
Trenton's average USDA mortgage closing costs are $7,491.
The average rate for the prior week (2026-09-04) was
6.59% and
one month ago for the week of 2026-08-07, the
average rate was 6.52%.
The average rate one year ago was 6.25%.
For refis of the same type during the week of 2026-09-11, the average rate
was 0.41%.
Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.
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 | $359,468 (9.1%) | $581,321 (10.6%) | 1.13 | 804 |
| 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 (8.3%) | $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 | $457,500 (8.9%) | $713,296 (-7.6%) | 1.08 | 539 |
| 2024-10-01 | $462,500 (8.2%) | $713,034 (-3.3%) | 1.09 | 548 |
| 2024-11-01 | $449,900 (14.0%) | $709,380 (1.9%) | 1.08 | 522 |
| 2024-12-01 | $422,000 (11.1%) | $696,897 (14.0%) | 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%) | $771,327 (8.8%) | 1.08 | 538 |
| 2025-05-01 | $479,000 (5.7%) | $776,451 (1.3%) | 1.09 | 593 |
| 2025-06-01 | $474,823 (1.1%) | $779,337 (-2.6%) | 1.08 | 602 |
| 2025-07-01 | $466,950 (1.5%) | $753,846 (-3.5%) | 1.06 | 652 |
| 2025-08-01 | $449,999 (0.0%) | $692,391 (-3.8%) | 1.05 | 663 |
| 2025-09-01 | $447,450 (-2.2%) | $698,583 (-2.1%) | 1.05 | 675 |
| 2025-10-01 | $449,900 (-2.7%) | $716,961 (0.6%) | 1.06 | 664 |
| 2025-11-01 | $449,000 (-0.2%) | $710,580 (0.2%) | 1.08 | 640 |
| 2025-12-01 | $429,975 (1.9%) | $692,642 (-0.6%) | 1.08 | 550 |
| 2026-01-01 | $415,000 (-0.5%) | $666,978 (-3.5%) | 1.04 | 507 |
| 2026-02-01 | $429,975 (-0.5%) | $670,033 (-4.7%) | 1.06 | 493 |
| 2026-03-01 | $439,900 (-2.2%) | $673,630 (-6.9%) | 1.06 | 560 |
| 2026-04-01 | $444,950 (-4.3%) | $712,858 (-7.6%) | 1.05 | 623 |
| 2026-05-01 | $465,000 (-2.9%) | $717,119 (-7.6%) | 1.08 | 679 |
| 2026-06-01 | $472,500 (-0.5%) | $721,165 (-7.5%) | 1.10 | 698 |
| 2026-07-01 | $452,225 (-3.2%) | $702,687 (-6.8%) | 1.05 | 747 |
| 2026-08-01 | $450,000 (0.0%) | $670,071 (-3.2%) | 1.06 | 812 |
Trenton's median listing price for 2026-08-01 was $450,000, a difference of
$1
(0.0%) versus the prior year and
$-2,225 versus the prior month.
Trenton's median listing price comes in at 106% of the national average.
Trenton's average listing price for 2026-08-01 was $670,071, a difference of $-22,320 (-3.2%) versus the prior year and $-32,616 versus the prior month.
For the 2026-08-01 period, Trenton had 812 MLS listings, a difference of 65 listings (9%) versus the prior month and 149 listings (22%) versus the prior year.
Trenton's median listing price comes in at 106% of the national average.
Trenton's average listing price for 2026-08-01 was $670,071, a difference of $-22,320 (-3.2%) versus the prior year and $-32,616 versus the prior month.
For the 2026-08-01 period, Trenton had 812 MLS listings, a difference of 65 listings (9%) versus the prior month and 149 listings (22%) 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 | 1,557 sqft |
| 2018-02-01 | 78 days | 1,565 sqft |
| 2018-03-01 | 58 days | 1,620 sqft |
| 2018-04-01 | 47 days | 1,675 sqft |
| 2018-05-01 | 46 days | 1,740 sqft |
| 2018-06-01 | 51 days | 1,746 sqft |
| 2018-07-01 | 60 days | 1,749 sqft |
| 2018-08-01 | 63 days | 1,750 sqft |
| 2018-09-01 | 68 days | 1,708 sqft |
| 2018-10-01 | 67 days | 1,720 sqft |
| 2018-11-01 | 67 days | 1,719 sqft |
| 2018-12-01 | 76 days | 1,656 sqft |
| 2019-01-01 | 81 days | 1,662 sqft |
| 2019-02-01 | 72 days | 1,702 sqft |
| 2019-03-01 | 52 days | 1,764 sqft |
| 2019-04-01 | 44 days | 1,834 sqft |
| 2019-05-01 | 45 days | 1,895 sqft |
| 2019-06-01 | 55 days | 1,907 sqft |
| 2019-07-01 | 59 days | 1,888 sqft |
| 2019-08-01 | 61 days | 1,887 sqft |
| 2019-09-01 | 65 days | 1,890 sqft |
| 2019-10-01 | 68 days | 1,886 sqft |
| 2019-11-01 | 71 days | 1,846 sqft |
| 2019-12-01 | 83 days | 1,821 sqft |
| 2020-01-01 | 87 days | 1,827 sqft |
| 2020-02-01 | 68 days | 1,908 sqft |
| 2020-03-01 | 43 days | 1,964 sqft |
| 2020-04-01 | 58 days | 1,948 sqft |
| 2020-05-01 | 74 days | 1,982 sqft |
| 2020-06-01 | 61 days | 2,036 sqft |
| 2020-07-01 | 46 days | 2,001 sqft |
| 2020-08-01 | 44 days | 1,960 sqft |
| 2020-09-01 | 43 days | 1,998 sqft |
| 2020-10-01 | 48 days | 1,966 sqft |
| 2020-11-01 | 50 days | 1,901 sqft |
| 2020-12-01 | 60 days | 1,915 sqft |
| 2021-01-01 | 64 days | 1,877 sqft |
| 2021-02-01 | 55 days | 1,839 sqft |
| 2021-03-01 | 24 days | 1,831 sqft |
| 2021-04-01 | 24 days | 1,832 sqft |
| 2021-05-01 | 26 days | 1,844 sqft |
| 2021-06-01 | 30 days | 1,667 sqft |
| 2021-07-01 | 33 days | 1,646 sqft |
| 2021-08-01 | 43 days | 1,646 sqft |
| 2021-09-01 | 48 days | 1,637 sqft |
| 2021-10-01 | 42 days | 1,622 sqft |
| 2021-11-01 | 48 days | 1,587 sqft |
| 2021-12-01 | 63 days | 1,529 sqft |
| 2022-01-01 | 58 days | 1,500 sqft |
| 2022-02-01 | 40 days | 1,496 sqft |
| 2022-03-01 | 33 days | 1,526 sqft |
| 2022-04-01 | 26 days | 1,586 sqft |
| 2022-05-01 | 30 days | 1,674 sqft |
| 2022-06-01 | 33 days | 1,708 sqft |
| 2022-07-01 | 36 days | 1,668 sqft |
| 2022-08-01 | 40 days | 1,673 sqft |
| 2022-09-01 | 48 days | 1,686 sqft |
| 2022-10-01 | 55 days | 1,670 sqft |
| 2022-11-01 | 56 days | 1,694 sqft |
| 2022-12-01 | 64 days | 1,666 sqft |
| 2023-01-01 | 74 days | 1,704 sqft |
| 2023-02-01 | 55 days | 1,690 sqft |
| 2023-03-01 | 37 days | 1,691 sqft |
| 2023-04-01 | 37 days | 1,690 sqft |
| 2023-05-01 | 32 days | 1,723 sqft |
| 2023-06-01 | 30 days | 1,828 sqft |
| 2023-07-01 | 33 days | 1,805 sqft |
| 2023-08-01 | 31 days | 1,718 sqft |
| 2023-09-01 | 33 days | 1,668 sqft |
| 2023-10-01 | 36 days | 1,729 sqft |
| 2023-11-01 | 42 days | 1,610 sqft |
| 2023-12-01 | 46 days | 1,579 sqft |
| 2024-01-01 | 51 days | 1,597 sqft |
| 2024-02-01 | 36 days | 1,583 sqft |
| 2024-03-01 | 33 days | 1,688 sqft |
| 2024-04-01 | 25 days | 1,727 sqft |
| 2024-05-01 | 27 days | 1,709 sqft |
| 2024-06-01 | 33 days | 1,775 sqft |
| 2024-07-01 | 40 days | 1,773 sqft |
| 2024-08-01 | 34 days | 1,728 sqft |
| 2024-09-01 | 36 days | 1,725 sqft |
| 2024-10-01 | 42 days | 1,733 sqft |
| 2024-11-01 | 48 days | 1,670 sqft |
| 2024-12-01 | 52 days | 1,578 sqft |
| 2025-01-01 | 60 days | 1,565 sqft |
| 2025-02-01 | 52 days | 1,573 sqft |
| 2025-03-01 | 29 days | 1,677 sqft |
| 2025-04-01 | 31 days | 1,692 sqft |
| 2025-05-01 | 32 days | 1,736 sqft |
| 2025-06-01 | 34 days | 1,711 sqft |
| 2025-07-01 | 36 days | 1,641 sqft |
| 2025-08-01 | 42 days | 1,604 sqft |
| 2025-09-01 | 45 days | 1,622 sqft |
| 2025-10-01 | 45 days | 1,612 sqft |
| 2025-11-01 | 50 days | 1,608 sqft |
| 2025-12-01 | 59 days | 1,579 sqft |
| 2026-01-01 | 65 days | 1,527 sqft |
| 2026-02-01 | 58 days | 1,553 sqft |
| 2026-03-01 | 40 days | 1,579 sqft |
| 2026-04-01 | 32 days | 1,614 sqft |
| 2026-05-01 | 31 days | 1,646 sqft |
| 2026-06-01 | 37 days | 1,627 sqft |
| 2026-07-01 | 41 days | 1,617 sqft |
| 2026-08-01 | 42 days | 1,600 sqft |
Trenton's median listing age (time on market) for 2026-08-01 was 42 days.
This
is 0%
longer
than the same period one year ago.
Trenton's median square footage for active listings during the 2026-08-01 period was 1,600 sqft. One year prior, the average listing was 1,604 sqft.
Trenton's median square footage for active listings during the 2026-08-01 period was 1,600 sqft. One year prior, the average listing was 1,604 sqft.