Truckee USDA Loan Rates, Closing Costs & Stats

Truckee-Grass Valley, 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.

    Truckee's 0 lenders originated 1 USDA loans during 2024. The total origination value was $355,000, with an average USDA loan value of $355,000.

    Truckee USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Truckee averaged 6.96% for the week of 2025-07-11, compared to the national average (all USDA variants) of 6.449% for the same period.

    Truckee's average USDA mortgage closing costs are $7,983.

    The average rate for the prior week (2025-07-04) was 6.77% and one month ago for the week of 2025-06-06, the average rate was 6.57%.

    The average rate one year ago was 7.25%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.28%.

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

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs

    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. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $488,750 (3.6%) $626,243 (-0.8%) 0.00 457
    2018-02-01 $489,375 (-0.3%) $626,490 (-2.3%) 0.00 453
    2018-03-01 $465,375 (-6.7%) $609,273 (-6.0%) 0.00 473
    2018-04-01 $479,000 (-3.8%) $595,576 (-7.5%) 0.00 541
    2018-05-01 $489,025 (-2.1%) $598,584 (-8.2%) 0.00 646
    2018-06-01 $497,000 (-5.5%) $596,053 (-11.5%) 0.00 725
    2018-07-01 $481,500 (-8.3%) $598,956 (-11.7%) 0.00 784
    2018-08-01 $474,950 (-5.7%) $598,464 (-8.0%) 0.00 833
    2018-09-01 $475,000 (-5.0%) $595,572 (-7.2%) 0.00 838
    2018-10-01 $465,000 (-5.5%) $591,912 (-7.5%) 0.00 805
    2018-11-01 $471,950 (-3.7%) $582,394 (-8.2%) 0.00 750
    2018-12-01 $455,000 (-4.8%) $570,096 (-8.2%) 0.00 707
    2019-01-01 $434,450 (-11.1%) $540,161 (-13.8%) 0.00 617
    2019-02-01 $437,190 (-10.7%) $547,868 (-12.6%) 0.00 588
    2019-03-01 $452,786 (-2.7%) $553,598 (-9.1%) 0.00 584
    2019-04-01 $466,750 (-2.6%) $561,560 (-5.7%) 0.00 616
    2019-05-01 $497,000 (1.6%) $605,833 (1.2%) 0.00 765
    2019-06-01 $499,950 (0.6%) $615,348 (3.2%) 0.00 857
    2019-07-01 $500,000 (3.8%) $611,997 (2.2%) 0.00 945
    2019-08-01 $500,000 (5.3%) $609,858 (1.9%) 0.00 957
    2019-09-01 $500,000 (5.3%) $604,030 (1.4%) 0.00 924
    2019-10-01 $500,000 (7.5%) $600,095 (1.4%) 0.00 875
    2019-11-01 $499,000 (5.7%) $584,382 (0.3%) 0.00 746
    2019-12-01 $480,000 (5.5%) $571,831 (0.3%) 0.00 646
    2020-01-01 $480,000 (10.5%) $578,526 (7.1%) 0.00 578
    2020-02-01 $489,000 (11.9%) $592,232 (8.1%) 0.00 549
    2020-03-01 $499,500 (10.3%) $600,319 (8.4%) 0.00 594
    2020-04-01 $507,500 (8.7%) $600,587 (7.0%) 0.00 564
    2020-05-01 $535,000 (7.7%) $643,479 (6.2%) 0.00 616
    2020-06-01 $549,000 (9.8%) $659,931 (7.3%) 0.00 560
    2020-07-01 $550,750 (10.2%) $669,883 (9.5%) 0.00 481
    2020-08-01 $575,000 (15.0%) $697,478 (14.4%) 0.00 409
    2020-09-01 $575,000 (15.0%) $722,408 (19.6%) 0.00 433
    2020-10-01 $572,400 (14.5%) $743,546 (23.9%) 0.00 446
    2020-11-01 $574,950 (15.2%) $731,971 (25.3%) 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 (11.3%) $669,052 (13.0%) 0.00 264
    2021-03-01 $546,225 (9.4%) $644,658 (7.4%) 0.00 250
    2021-04-01 $549,450 (8.3%) $641,581 (6.8%) 0.00 293
    2021-05-01 $559,900 (4.7%) $657,122 (2.1%) 0.00 326
    2021-06-01 $612,250 (11.5%) $705,302 (6.9%) 0.00 322
    2021-07-01 $639,000 (16.0%) $754,325 (12.6%) 0.00 347
    2021-08-01 $605,500 (5.3%) $736,053 (5.5%) 0.00 355
    2021-09-01 $592,000 (3.0%) $742,192 (2.7%) 0.00 381
    2021-10-01 $599,450 (4.7%) $751,497 (1.1%) 0.00 430
    2021-11-01 $599,225 (4.2%) $738,521 (0.9%) 0.00 384
    2021-12-01 $599,000 (7.1%) $721,660 (2.2%) 0.00 298
    2022-01-01 $599,450 (6.1%) $713,333 (-0.9%) 0.00 227
    2022-02-01 $627,000 (15.3%) $764,356 (14.2%) 0.00 245
    2022-03-01 $644,250 (18.0%) $767,834 (19.1%) 0.00 278
    2022-04-01 $675,000 (22.9%) $806,610 (25.7%) 0.00 352
    2022-05-01 $658,450 (17.6%) $818,142 (24.5%) 0.00 486
    2022-06-01 $674,500 (10.2%) $837,341 (18.7%) 0.00 566
    2022-07-01 $669,000 (4.7%) $866,878 (14.9%) 0.00 617
    2022-08-01 $699,000 (15.4%) $892,178 (21.2%) 0.00 578
    2022-09-01 $695,000 (17.4%) $882,732 (18.9%) 0.00 560
    2022-10-01 $660,000 (10.1%) $852,543 (13.5%) 0.00 529
    2022-11-01 $629,225 (5.0%) $847,132 (14.7%) 0.00 467
    2022-12-01 $619,900 (3.5%) $860,185 (19.2%) 0.00 377
    2023-01-01 $659,000 (9.9%) $911,341 (27.8%) 0.00 298
    2023-02-01 $700,000 (11.6%) $951,257 (24.5%) 0.00 266
    2023-03-01 $684,361 (6.2%) $948,487 (23.5%) 0.00 248
    2023-04-01 $725,000 (7.4%) $989,838 (22.7%) 0.00 262
    2023-05-01 $729,250 (10.8%) $971,824 (18.8%) 0.00 347
    2023-06-01 $749,225 (11.1%) $980,162 (17.1%) 0.00 439
    2023-07-01 $749,000 (12.0%) $970,076 (11.9%) 0.00 486
    2023-08-01 $748,250 (7.1%) $979,782 (9.8%) 0.00 488
    2023-09-01 $737,000 (6.0%) $961,871 (9.0%) 0.00 475
    2023-10-01 $700,000 (6.1%) $941,900 (10.5%) 0.00 456
    2023-11-01 $674,925 (7.3%) $900,998 (6.4%) 0.00 429
    2023-12-01 $667,000 (7.6%) $909,280 (5.7%) 0.00 369
    2024-01-01 $649,900 (-1.4%) $903,857 (-0.8%) 0.00 309
    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 (-6.9%) 0.00 335
    2024-05-01 $699,000 (-4.2%) $919,393 (-5.4%) 0.00 433
    2024-06-01 $699,000 (-6.7%) $940,596 (-4.0%) 0.00 518
    2024-07-01 $699,000 (-6.7%) $952,973 (-1.8%) 0.00 561
    2024-08-01 $689,000 (-7.9%) $935,843 (-4.5%) 0.00 612
    2024-09-01 $671,200 (-8.9%) $928,945 (-3.4%) 0.00 621
    2024-10-01 $672,450 (-3.9%) $929,037 (-1.4%) 0.00 592
    2024-11-01 $679,000 (0.6%) $952,189 (5.7%) 0.00 526
    2024-12-01 $661,975 (-0.8%) $945,054 (3.9%) 0.00 433
    2025-01-01 $669,900 (3.1%) $951,022 (5.2%) 0.00 375
    2025-02-01 $680,000 (2.6%) $923,791 (1.3%) 0.00 373
    2025-03-01 $689,000 (4.6%) $920,145 (-1.9%) 0.00 392
    2025-04-01 $690,750 (3.1%) $896,470 (-2.8%) 0.00 487
    2025-05-01 $699,000 (0.0%) $890,069 (-3.2%) 0.00 641
    2025-06-01 $701,200 (0.3%) $892,065 (-5.2%) 0.00 736
    Truckee's median listing price for 2025-06-01 was $701,200, a difference of $2,200 (0.3%) versus the prior year and $2,200 versus the prior month.

    Truckee's median listing price comes in at 0% of the national average.

    Truckee's average listing price for 2025-06-01 was $892,065, a difference of $-48,531 (-5.2%) versus the prior year and $1,996 versus the prior month.

    For the 2025-06-01 period, Truckee had 736 MLS listings, a difference of 95 listings (15%) versus the prior month and 218 listings (42%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Truckee (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date 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 2,149 sqft
    2018-08-01 0 days 2,106 sqft
    2018-09-01 0 days 2,116 sqft
    2018-10-01 0 days 2,153 sqft
    2018-11-01 0 days 2,145 sqft
    2018-12-01 0 days 2,164 sqft
    2019-01-01 0 days 2,145 sqft
    2019-02-01 0 days 2,124 sqft
    2019-03-01 0 days 2,201 sqft
    2019-04-01 0 days 2,236 sqft
    2019-05-01 0 days 2,257 sqft
    2019-06-01 0 days 2,202 sqft
    2019-07-01 0 days 2,179 sqft
    2019-08-01 0 days 2,198 sqft
    2019-09-01 0 days 2,215 sqft
    2019-10-01 0 days 2,230 sqft
    2019-11-01 0 days 2,257 sqft
    2019-12-01 0 days 2,251 sqft
    2020-01-01 0 days 2,251 sqft
    2020-02-01 0 days 2,293 sqft
    2020-03-01 0 days 2,228 sqft
    2020-04-01 0 days 2,242 sqft
    2020-05-01 0 days 2,231 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 2,208 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 1,964 sqft
    2021-05-01 0 days 1,918 sqft
    2021-06-01 0 days 1,942 sqft
    2021-07-01 0 days 2,000 sqft
    2021-08-01 0 days 1,957 sqft
    2021-09-01 0 days 1,934 sqft
    2021-10-01 0 days 1,950 sqft
    2021-11-01 0 days 1,987 sqft
    2021-12-01 0 days 1,929 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 1,919 sqft
    2022-05-01 0 days 1,970 sqft
    2022-06-01 0 days 1,993 sqft
    2022-07-01 0 days 1,981 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 2,011 sqft
    2023-01-01 0 days 2,135 sqft
    2023-02-01 0 days 2,226 sqft
    2023-03-01 0 days 2,213 sqft
    2023-04-01 0 days 2,400 sqft
    2023-05-01 0 days 2,244 sqft
    2023-06-01 0 days 2,325 sqft
    2023-07-01 0 days 2,259 sqft
    2023-08-01 0 days 2,242 sqft
    2023-09-01 0 days 2,204 sqft
    2023-10-01 0 days 2,173 sqft
    2023-11-01 0 days 2,141 sqft
    2023-12-01 0 days 2,209 sqft
    2024-01-01 0 days 2,121 sqft
    2024-02-01 0 days 2,256 sqft
    2024-03-01 0 days 2,276 sqft
    2024-04-01 0 days 2,148 sqft
    2024-05-01 0 days 2,110 sqft
    2024-06-01 0 days 2,119 sqft
    2024-07-01 0 days 2,140 sqft
    2024-08-01 0 days 2,094 sqft
    2024-09-01 0 days 2,121 sqft
    2024-10-01 0 days 2,134 sqft
    2024-11-01 0 days 2,215 sqft
    2024-12-01 0 days 2,232 sqft
    2025-01-01 0 days 2,218 sqft
    2025-02-01 0 days 2,195 sqft
    2025-03-01 0 days 2,139 sqft
    2025-04-01 0 days 2,131 sqft
    2025-05-01 0 days 2,151 sqft
    2025-06-01 0 days 2,144 sqft
    Truckee's median listing age (time on market) for 2025-06-01 was 0 days.

    Truckee's median square footage for active listings during the 2025-06-01 period was 2,144 sqft. One year prior, the average listing was 2,119 sqft.