Truckee USDA Loan Rates, Closing Costs & Stats
Truckee-Grass Valley, 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.
Truckee's 1 lenders originated 1 USDA loans during 2023. The total origination value was $395,000, with an average USDA loan value of $395,000.
Truckee USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Truckee
averaged
6.15%
for the week of 2024-12-13, compared to the national average (all USDA variants) of
6.303% for the same period.
Truckee's average USDA mortgage closing costs are $7,983.
The average rate for the prior week (2024-12-06) was
6.38% and
one month ago for the week of 2024-11-08, the
average rate was 6.4%.
The average rate one year ago was 7.07%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.3%.
Truckee 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 Truckee level.
Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
---|---|---|---|
UNITED WHOLESALE MORTGAGE, LLC | 1 | 5.13% | $12,712 |
The lowest fee Truckee USDA lenders (with over 10 loans originated) are
.
The lowest rate Truckee USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Truckee (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $489,750 (3.8%) | $626,862 (-1.0%) | 0.00 | 458 |
2018-02-01 | $489,375 (-0.3%) | $627,092 (-2.2%) | 0.00 | 453 |
2018-03-01 | $465,375 (-6.7%) | $609,844 (-6.0%) | 0.00 | 473 |
2018-04-01 | $479,000 (-3.8%) | $596,075 (-7.4%) | 0.00 | 541 |
2018-05-01 | $489,025 (-2.1%) | $599,025 (-8.4%) | 0.00 | 646 |
2018-06-01 | $497,000 (-5.7%) | $596,448 (-11.6%) | 0.00 | 725 |
2018-07-01 | $481,750 (-8.2%) | $599,549 (-11.8%) | 0.00 | 783 |
2018-08-01 | $474,975 (-6.8%) | $599,024 (-8.1%) | 0.00 | 832 |
2018-09-01 | $475,000 (-5.0%) | $602,215 (-6.5%) | 0.00 | 838 |
2018-10-01 | $466,000 (-5.3%) | $598,601 (-6.5%) | 0.00 | 806 |
2018-11-01 | $471,975 (-3.7%) | $589,497 (-7.1%) | 0.00 | 751 |
2018-12-01 | $455,000 (-4.9%) | $577,751 (-7.1%) | 0.00 | 708 |
2019-01-01 | $434,475 (-11.3%) | $549,466 (-12.4%) | 0.00 | 618 |
2019-02-01 | $438,220 (-10.5%) | $557,492 (-11.1%) | 0.00 | 589 |
2019-03-01 | $453,893 (-2.5%) | $563,254 (-7.6%) | 0.00 | 585 |
2019-04-01 | $466,875 (-2.5%) | $570,478 (-4.3%) | 0.00 | 618 |
2019-05-01 | $497,000 (1.6%) | $612,472 (2.2%) | 0.00 | 767 |
2019-06-01 | $499,975 (0.6%) | $621,386 (4.2%) | 0.00 | 860 |
2019-07-01 | $500,000 (3.8%) | $617,827 (3.1%) | 0.00 | 949 |
2019-08-01 | $500,000 (5.3%) | $614,316 (2.6%) | 0.00 | 960 |
2019-09-01 | $500,000 (5.3%) | $606,286 (0.7%) | 0.00 | 925 |
2019-10-01 | $500,000 (7.3%) | $600,644 (0.3%) | 0.00 | 876 |
2019-11-01 | $499,000 (5.7%) | $585,032 (-0.8%) | 0.00 | 747 |
2019-12-01 | $480,000 (5.5%) | $571,831 (-1.0%) | 0.00 | 646 |
2020-01-01 | $480,000 (10.5%) | $578,526 (5.3%) | 0.00 | 578 |
2020-02-01 | $489,500 (11.7%) | $592,232 (6.2%) | 0.00 | 549 |
2020-03-01 | $499,500 (10.1%) | $600,319 (6.6%) | 0.00 | 595 |
2020-04-01 | $507,500 (8.7%) | $600,587 (5.3%) | 0.00 | 564 |
2020-05-01 | $535,000 (7.7%) | $643,479 (5.1%) | 0.00 | 616 |
2020-06-01 | $549,000 (9.8%) | $659,931 (6.2%) | 0.00 | 560 |
2020-07-01 | $550,750 (10.2%) | $669,883 (8.4%) | 0.00 | 481 |
2020-08-01 | $575,000 (15.0%) | $697,478 (13.5%) | 0.00 | 409 |
2020-09-01 | $575,000 (15.0%) | $722,408 (19.2%) | 0.00 | 433 |
2020-10-01 | $572,400 (14.5%) | $743,546 (23.8%) | 0.00 | 446 |
2020-11-01 | $574,950 (15.2%) | $731,971 (25.1%) | 0.00 | 389 |
2020-12-01 | $559,500 (16.6%) | $705,909 (23.5%) | 0.00 | 348 |
2021-01-01 | $565,000 (17.7%) | $719,827 (24.4%) | 0.00 | 285 |
2021-02-01 | $544,032 (11.1%) | $669,052 (13.0%) | 0.00 | 264 |
2021-03-01 | $546,225 (9.4%) | $644,658 (7.4%) | 0.00 | 250 |
2021-04-01 | $549,685 (8.3%) | $643,821 (7.2%) | 0.00 | 294 |
2021-05-01 | $565,000 (5.6%) | $659,317 (2.5%) | 0.00 | 328 |
2021-06-01 | $614,250 (11.9%) | $707,805 (7.3%) | 0.00 | 323 |
2021-07-01 | $639,000 (16.0%) | $755,983 (12.9%) | 0.00 | 348 |
2021-08-01 | $606,000 (5.4%) | $737,752 (5.8%) | 0.00 | 356 |
2021-09-01 | $593,972 (3.3%) | $743,805 (3.0%) | 0.00 | 382 |
2021-10-01 | $599,900 (4.8%) | $752,752 (1.2%) | 0.00 | 431 |
2021-11-01 | $599,450 (4.3%) | $739,870 (1.1%) | 0.00 | 385 |
2021-12-01 | $599,225 (7.1%) | $723,304 (2.5%) | 0.00 | 299 |
2022-01-01 | $599,450 (6.1%) | $713,333 (-0.9%) | 0.00 | 227 |
2022-02-01 | $626,000 (15.1%) | $764,232 (14.2%) | 0.00 | 245 |
2022-03-01 | $645,750 (18.2%) | $772,809 (19.9%) | 0.00 | 279 |
2022-04-01 | $677,000 (23.2%) | $809,662 (25.8%) | 0.00 | 353 |
2022-05-01 | $658,450 (16.5%) | $818,142 (24.1%) | 0.00 | 486 |
2022-06-01 | $674,500 (9.8%) | $837,341 (18.3%) | 0.00 | 566 |
2022-07-01 | $669,000 (4.7%) | $866,878 (14.7%) | 0.00 | 617 |
2022-08-01 | $699,000 (15.4%) | $892,178 (20.9%) | 0.00 | 578 |
2022-09-01 | $695,000 (17.0%) | $882,732 (18.7%) | 0.00 | 560 |
2022-10-01 | $660,000 (10.0%) | $852,543 (13.3%) | 0.00 | 529 |
2022-11-01 | $629,225 (5.0%) | $851,912 (15.1%) | 0.00 | 467 |
2022-12-01 | $622,450 (3.9%) | $859,638 (18.9%) | 0.00 | 378 |
2023-01-01 | $659,000 (9.9%) | $911,341 (27.8%) | 0.00 | 298 |
2023-02-01 | $700,000 (11.8%) | $951,257 (24.5%) | 0.00 | 266 |
2023-03-01 | $684,361 (6.0%) | $948,487 (22.7%) | 0.00 | 248 |
2023-04-01 | $725,000 (7.1%) | $1,008,157 (24.5%) | 0.00 | 263 |
2023-05-01 | $729,250 (10.8%) | $987,023 (20.6%) | 0.00 | 347 |
2023-06-01 | $749,225 (11.1%) | $980,162 (17.1%) | 0.00 | 439 |
2023-07-01 | $749,000 (12.0%) | $979,448 (13.0%) | 0.00 | 486 |
2023-08-01 | $748,250 (7.1%) | $979,782 (9.8%) | 0.00 | 488 |
2023-09-01 | $739,000 (6.3%) | $961,968 (9.0%) | 0.00 | 475 |
2023-10-01 | $700,000 (6.1%) | $948,042 (11.2%) | 0.00 | 457 |
2023-11-01 | $674,975 (7.3%) | $907,841 (6.6%) | 0.00 | 430 |
2023-12-01 | $668,000 (7.3%) | $916,911 (6.7%) | 0.00 | 370 |
2024-01-01 | $649,925 (-1.4%) | $908,392 (-0.3%) | 0.00 | 310 |
2024-02-01 | $662,500 (-5.4%) | $911,900 (-4.1%) | 0.00 | 290 |
2024-03-01 | $659,000 (-3.7%) | $938,165 (-1.1%) | 0.00 | 280 |
2024-04-01 | $669,900 (-7.6%) | $921,881 (-8.6%) | 0.00 | 335 |
2024-05-01 | $699,500 (-4.1%) | $924,486 (-6.3%) | 0.00 | 433 |
2024-06-01 | $699,000 (-6.7%) | $940,596 (-4.0%) | 0.00 | 517 |
2024-07-01 | $699,000 (-6.7%) | $952,973 (-2.7%) | 0.00 | 561 |
2024-08-01 | $689,000 (-7.9%) | $935,843 (-4.5%) | 0.00 | 612 |
2024-09-01 | $671,200 (-9.2%) | $928,945 (-3.4%) | 0.00 | 621 |
2024-10-01 | $672,450 (-3.9%) | $929,037 (-2.0%) | 0.00 | 592 |
2024-11-01 | $679,000 (0.6%) | $952,189 (4.9%) | 0.00 | 526 |
Truckee's median listing price comes in at 0% of the national average.
Truckee's average listing price for 2024-11-01 was $952,189, a difference of $44,348 (4.9%) versus the prior year and $23,152 versus the prior month.
For the 2024-11-01 period, Truckee had 526 MLS listings, a difference of -66 listings (-11%) versus the prior month and 96 listings (22%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Truckee (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 2,228 sqft |
2018-02-01 | 0 days | 2,254 sqft |
2018-03-01 | 0 days | 2,283 sqft |
2018-04-01 | 0 days | 2,212 sqft |
2018-05-01 | 0 days | 2,182 sqft |
2018-06-01 | 0 days | 2,171 sqft |
2018-07-01 | 0 days | 2,145 sqft |
2018-08-01 | 0 days | 2,104 sqft |
2018-09-01 | 0 days | 2,116 sqft |
2018-10-01 | 0 days | 2,157 sqft |
2018-11-01 | 0 days | 2,150 sqft |
2018-12-01 | 0 days | 2,165 sqft |
2019-01-01 | 0 days | 2,148 sqft |
2019-02-01 | 0 days | 2,139 sqft |
2019-03-01 | 0 days | 2,202 sqft |
2019-04-01 | 0 days | 2,240 sqft |
2019-05-01 | 0 days | 2,262 sqft |
2019-06-01 | 0 days | 2,206 sqft |
2019-07-01 | 0 days | 2,182 sqft |
2019-08-01 | 0 days | 2,208 sqft |
2019-09-01 | 0 days | 2,220 sqft |
2019-10-01 | 0 days | 2,234 sqft |
2019-11-01 | 0 days | 2,257 sqft |
2019-12-01 | 0 days | 2,254 sqft |
2020-01-01 | 0 days | 2,252 sqft |
2020-02-01 | 0 days | 2,293 sqft |
2020-03-01 | 0 days | 2,229 sqft |
2020-04-01 | 0 days | 2,243 sqft |
2020-05-01 | 0 days | 2,234 sqft |
2020-06-01 | 0 days | 2,332 sqft |
2020-07-01 | 0 days | 2,242 sqft |
2020-08-01 | 0 days | 2,200 sqft |
2020-09-01 | 0 days | 2,210 sqft |
2020-10-01 | 0 days | 2,155 sqft |
2020-11-01 | 0 days | 2,138 sqft |
2020-12-01 | 0 days | 2,127 sqft |
2021-01-01 | 0 days | 2,080 sqft |
2021-02-01 | 0 days | 2,050 sqft |
2021-03-01 | 0 days | 1,997 sqft |
2021-04-01 | 0 days | 1,963 sqft |
2021-05-01 | 0 days | 1,918 sqft |
2021-06-01 | 0 days | 1,938 sqft |
2021-07-01 | 0 days | 2,000 sqft |
2021-08-01 | 0 days | 1,953 sqft |
2021-09-01 | 0 days | 1,928 sqft |
2021-10-01 | 0 days | 1,950 sqft |
2021-11-01 | 0 days | 1,984 sqft |
2021-12-01 | 0 days | 1,923 sqft |
2022-01-01 | 0 days | 1,872 sqft |
2022-02-01 | 0 days | 1,877 sqft |
2022-03-01 | 0 days | 1,906 sqft |
2022-04-01 | 0 days | 1,923 sqft |
2022-05-01 | 0 days | 1,971 sqft |
2022-06-01 | 0 days | 1,996 sqft |
2022-07-01 | 0 days | 1,982 sqft |
2022-08-01 | 0 days | 1,936 sqft |
2022-09-01 | 0 days | 1,981 sqft |
2022-10-01 | 0 days | 2,008 sqft |
2022-11-01 | 0 days | 2,005 sqft |
2022-12-01 | 0 days | 2,009 sqft |
2023-01-01 | 0 days | 2,135 sqft |
2023-02-01 | 0 days | 2,222 sqft |
2023-03-01 | 0 days | 2,213 sqft |
2023-04-01 | 0 days | 2,400 sqft |
2023-05-01 | 0 days | 2,239 sqft |
2023-06-01 | 0 days | 2,323 sqft |
2023-07-01 | 0 days | 2,256 sqft |
2023-08-01 | 0 days | 2,236 sqft |
2023-09-01 | 0 days | 2,205 sqft |
2023-10-01 | 0 days | 2,173 sqft |
2023-11-01 | 0 days | 2,140 sqft |
2023-12-01 | 0 days | 2,197 sqft |
2024-01-01 | 0 days | 2,118 sqft |
2024-02-01 | 0 days | 2,252 sqft |
2024-03-01 | 0 days | 2,276 sqft |
2024-04-01 | 0 days | 2,138 sqft |
2024-05-01 | 0 days | 2,109 sqft |
2024-06-01 | 0 days | 2,117 sqft |
2024-07-01 | 0 days | 2,134 sqft |
2024-08-01 | 0 days | 2,091 sqft |
2024-09-01 | 0 days | 2,118 sqft |
2024-10-01 | 0 days | 2,134 sqft |
2024-11-01 | 0 days | 2,215 sqft |
Truckee's median square footage for active listings during the 2024-11-01 period was 2,215 sqft. One year prior, the average listing was 2,140 sqft.