Ukiah USDA Loan Rates, Closing Costs & Stats

Ukiah, 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.

    Ukiah's 1 lenders originated 1 USDA loans during 2024. The total origination value was $225,000, with an average USDA loan value of $225,000.

    Ukiah USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Ukiah averaged 6.65% for the week of 2025-05-23, compared to the national average (all USDA variants) of 6.433% for the same period.

    Ukiah's average USDA mortgage closing costs are $7,482.

    The average rate for the prior week (2025-05-16) was 6.58% and one month ago for the week of 2025-04-18, the average rate was 6.67%.

    The average rate one year ago was 7.13%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.23%.

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

    Ukiah 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 Ukiah level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Equity Prime Mortgage LLC 1 5.75% $6,073

    The lowest fee Ukiah USDA lenders (with over 10 loans originated) are .

    The lowest rate Ukiah USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Ukiah (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 $599,000 (1.8%) $870,102 (-4.2%) 0.00 284
    2018-02-01 $595,000 (4.9%) $838,877 (-7.7%) 0.00 305
    2018-03-01 $579,000 (6.3%) $875,554 (3.4%) 0.00 339
    2018-04-01 $588,000 (7.9%) $880,900 (6.2%) 0.00 359
    2018-05-01 $599,000 (5.6%) $905,395 (14.1%) 0.00 461
    2018-06-01 $599,950 (3.9%) $892,308 (12.4%) 0.00 478
    2018-07-01 $620,950 (4.9%) $882,780 (1.3%) 0.00 499
    2018-08-01 $631,250 (10.8%) $879,816 (2.6%) 0.00 495
    2018-09-01 $620,000 (3.9%) $873,525 (0.7%) 0.00 496
    2018-10-01 $618,000 (-1.1%) $866,741 (-1.7%) 0.00 482
    2018-11-01 $599,000 (-4.9%) $857,865 (-4.9%) 0.00 459
    2018-12-01 $585,000 (-5.5%) $849,778 (-3.0%) 0.00 444
    2019-01-01 $577,000 (-3.7%) $858,828 (-1.3%) 0.00 415
    2019-02-01 $590,000 (-0.8%) $865,521 (3.2%) 0.00 413
    2019-03-01 $597,143 (3.1%) $900,851 (2.9%) 0.00 413
    2019-04-01 $595,000 (1.2%) $900,652 (2.2%) 0.00 416
    2019-05-01 $599,000 (0.0%) $915,171 (1.1%) 0.00 448
    2019-06-01 $595,000 (-0.8%) $911,471 (2.2%) 0.00 472
    2019-07-01 $595,000 (-4.2%) $928,337 (5.2%) 0.00 463
    2019-08-01 $599,000 (-5.1%) $942,158 (7.1%) 0.00 449
    2019-09-01 $599,000 (-3.4%) $944,781 (8.2%) 0.00 427
    2019-10-01 $599,000 (-3.1%) $951,639 (9.8%) 0.00 405
    2019-11-01 $599,400 (0.1%) $999,676 (16.5%) 0.00 375
    2019-12-01 $606,700 (3.7%) $993,778 (17.0%) 0.00 336
    2020-01-01 $595,000 (3.1%) $987,541 (15.0%) 0.00 302
    2020-02-01 $622,500 (5.5%) $993,793 (14.8%) 0.00 297
    2020-03-01 $627,375 (5.1%) $972,270 (7.9%) 0.00 295
    2020-04-01 $632,000 (6.2%) $986,760 (9.6%) 0.00 281
    2020-05-01 $639,000 (6.7%) $983,112 (7.4%) 0.00 281
    2020-06-01 $643,625 (8.2%) $1,015,495 (11.4%) 0.00 284
    2020-07-01 $660,000 (10.9%) $1,064,380 (14.7%) 0.00 219
    2020-08-01 $699,999 (16.9%) $1,120,799 (19.0%) 0.00 192
    2020-09-01 $798,000 (33.2%) $1,242,848 (31.6%) 0.00 190
    2020-10-01 $779,000 (30.1%) $1,252,916 (31.7%) 0.00 189
    2020-11-01 $753,500 (25.7%) $1,258,381 (25.9%) 0.00 177
    2020-12-01 $772,000 (27.3%) $1,201,119 (20.9%) 0.00 155
    2021-01-01 $750,000 (26.1%) $1,246,091 (26.2%) 0.00 131
    2021-02-01 $816,738 (31.2%) $1,378,527 (38.7%) 0.00 123
    2021-03-01 $850,000 (35.5%) $1,308,031 (34.5%) 0.00 125
    2021-04-01 $850,000 (34.5%) $1,345,470 (36.4%) 0.00 146
    2021-05-01 $762,500 (19.3%) $1,259,615 (28.1%) 0.00 167
    2021-06-01 $747,250 (16.1%) $1,210,290 (19.2%) 0.00 173
    2021-07-01 $780,000 (18.2%) $1,261,556 (18.5%) 0.00 170
    2021-08-01 $766,750 (9.5%) $1,314,431 (17.3%) 0.00 184
    2021-09-01 $699,000 (-12.4%) $1,241,541 (-0.1%) 0.00 195
    2021-10-01 $747,500 (-4.0%) $1,270,457 (1.4%) 0.00 212
    2021-11-01 $760,000 (0.9%) $1,265,531 (0.6%) 0.00 208
    2021-12-01 $757,500 (-1.9%) $1,352,786 (12.6%) 0.00 194
    2022-01-01 $769,000 (2.5%) $1,343,934 (7.9%) 0.00 176
    2022-02-01 $750,000 (-8.2%) $1,320,312 (-4.2%) 0.00 189
    2022-03-01 $715,000 (-15.9%) $1,222,747 (-6.5%) 0.00 200
    2022-04-01 $699,000 (-17.8%) $1,140,061 (-15.3%) 0.00 245
    2022-05-01 $675,000 (-11.5%) $1,085,342 (-13.8%) 0.00 272
    2022-06-01 $662,000 (-11.4%) $1,068,305 (-11.7%) 0.00 301
    2022-07-01 $639,000 (-18.1%) $996,356 (-21.0%) 0.00 325
    2022-08-01 $612,500 (-20.1%) $970,995 (-26.1%) 0.00 313
    2022-09-01 $627,000 (-10.3%) $1,032,529 (-16.8%) 0.00 309
    2022-10-01 $620,000 (-17.1%) $1,039,799 (-18.2%) 0.00 312
    2022-11-01 $600,000 (-21.1%) $1,012,807 (-20.0%) 0.00 295
    2022-12-01 $599,000 (-20.9%) $950,609 (-29.7%) 0.00 274
    2023-01-01 $607,500 (-21.0%) $903,073 (-32.8%) 0.00 228
    2023-02-01 $599,000 (-20.1%) $999,169 (-24.3%) 0.00 218
    2023-03-01 $598,000 (-16.4%) $1,015,964 (-16.9%) 0.00 223
    2023-04-01 $609,500 (-12.8%) $1,013,407 (-11.1%) 0.00 250
    2023-05-01 $643,500 (-4.7%) $1,028,224 (-5.3%) 0.00 279
    2023-06-01 $617,500 (-6.7%) $1,015,585 (-4.9%) 0.00 303
    2023-07-01 $649,000 (1.6%) $1,010,352 (1.4%) 0.00 309
    2023-08-01 $677,125 (10.6%) $1,028,172 (5.9%) 0.00 314
    2023-09-01 $699,000 (11.5%) $1,069,083 (3.5%) 0.00 326
    2023-10-01 $696,000 (12.3%) $1,078,545 (3.7%) 0.00 328
    2023-11-01 $697,000 (16.2%) $1,077,285 (6.4%) 0.00 319
    2023-12-01 $672,000 (12.2%) $1,098,371 (15.5%) 0.00 299
    2024-01-01 $679,625 (11.9%) $1,086,184 (20.3%) 0.00 264
    2024-02-01 $686,000 (14.5%) $1,034,792 (3.6%) 0.00 255
    2024-03-01 $689,500 (15.3%) $1,038,643 (2.2%) 0.00 252
    2024-04-01 $699,000 (14.7%) $1,044,385 (3.1%) 0.00 271
    2024-05-01 $709,500 (10.3%) $1,055,041 (2.6%) 0.00 313
    2024-06-01 $705,000 (14.2%) $1,056,850 (4.1%) 0.00 351
    2024-07-01 $699,000 (7.7%) $1,049,758 (3.9%) 0.00 376
    2024-08-01 $679,000 (0.3%) $1,017,497 (-1.0%) 0.00 383
    2024-09-01 $677,000 (-3.2%) $1,031,604 (-3.5%) 0.00 384
    2024-10-01 $679,250 (-2.4%) $1,040,231 (-3.6%) 0.00 384
    2024-11-01 $645,000 (-7.5%) $977,256 (-9.3%) 0.00 377
    2024-12-01 $628,500 (-6.5%) $917,723 (-16.5%) 0.00 320
    2025-01-01 $599,000 (-11.9%) $831,945 (-23.4%) 0.00 306
    2025-02-01 $595,000 (-13.3%) $864,817 (-16.4%) 0.00 312
    2025-03-01 $595,000 (-13.7%) $875,909 (-15.7%) 0.00 323
    2025-04-01 $599,000 (-14.3%) $937,749 (-10.2%) 0.00 363
    Ukiah's median listing price for 2025-04-01 was $599,000, a difference of $-100,000 (-14.3%) versus the prior year and $4,000 versus the prior month.

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

    Ukiah's average listing price for 2025-04-01 was $937,749, a difference of $-106,636 (-10.2%) versus the prior year and $61,840 versus the prior month.

    For the 2025-04-01 period, Ukiah had 363 MLS listings, a difference of 40 listings (12%) versus the prior month and 92 listings (34%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Ukiah (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,761 sqft
    2018-02-01 0 days 1,722 sqft
    2018-03-01 0 days 1,720 sqft
    2018-04-01 0 days 1,720 sqft
    2018-05-01 0 days 1,700 sqft
    2018-06-01 0 days 1,722 sqft
    2018-07-01 0 days 1,700 sqft
    2018-08-01 0 days 1,710 sqft
    2018-09-01 0 days 1,700 sqft
    2018-10-01 0 days 1,700 sqft
    2018-11-01 0 days 1,680 sqft
    2018-12-01 0 days 1,680 sqft
    2019-01-01 0 days 1,640 sqft
    2019-02-01 0 days 1,626 sqft
    2019-03-01 0 days 1,646 sqft
    2019-04-01 0 days 1,644 sqft
    2019-05-01 0 days 1,690 sqft
    2019-06-01 0 days 1,664 sqft
    2019-07-01 0 days 1,688 sqft
    2019-08-01 0 days 1,703 sqft
    2019-09-01 0 days 1,708 sqft
    2019-10-01 0 days 1,711 sqft
    2019-11-01 0 days 1,716 sqft
    2019-12-01 0 days 1,728 sqft
    2020-01-01 0 days 1,725 sqft
    2020-02-01 0 days 1,800 sqft
    2020-03-01 0 days 1,700 sqft
    2020-04-01 0 days 1,675 sqft
    2020-05-01 0 days 1,688 sqft
    2020-06-01 0 days 1,756 sqft
    2020-07-01 0 days 1,817 sqft
    2020-08-01 0 days 1,900 sqft
    2020-09-01 0 days 1,910 sqft
    2020-10-01 0 days 1,840 sqft
    2020-11-01 0 days 1,851 sqft
    2020-12-01 0 days 1,839 sqft
    2021-01-01 0 days 1,800 sqft
    2021-02-01 0 days 1,831 sqft
    2021-03-01 0 days 1,867 sqft
    2021-04-01 0 days 1,894 sqft
    2021-05-01 0 days 1,776 sqft
    2021-06-01 0 days 1,693 sqft
    2021-07-01 0 days 1,644 sqft
    2021-08-01 0 days 1,653 sqft
    2021-09-01 0 days 1,600 sqft
    2021-10-01 0 days 1,689 sqft
    2021-11-01 0 days 1,752 sqft
    2021-12-01 0 days 1,778 sqft
    2022-01-01 0 days 1,800 sqft
    2022-02-01 0 days 1,675 sqft
    2022-03-01 0 days 1,677 sqft
    2022-04-01 0 days 1,671 sqft
    2022-05-01 0 days 1,641 sqft
    2022-06-01 0 days 1,597 sqft
    2022-07-01 0 days 1,600 sqft
    2022-08-01 0 days 1,608 sqft
    2022-09-01 0 days 1,675 sqft
    2022-10-01 0 days 1,700 sqft
    2022-11-01 0 days 1,677 sqft
    2022-12-01 0 days 1,600 sqft
    2023-01-01 0 days 1,695 sqft
    2023-02-01 0 days 1,592 sqft
    2023-03-01 0 days 1,584 sqft
    2023-04-01 0 days 1,600 sqft
    2023-05-01 0 days 1,680 sqft
    2023-06-01 0 days 1,650 sqft
    2023-07-01 0 days 1,700 sqft
    2023-08-01 0 days 1,703 sqft
    2023-09-01 0 days 1,764 sqft
    2023-10-01 0 days 1,760 sqft
    2023-11-01 0 days 1,753 sqft
    2023-12-01 0 days 1,716 sqft
    2024-01-01 0 days 1,720 sqft
    2024-02-01 0 days 1,766 sqft
    2024-03-01 0 days 1,800 sqft
    2024-04-01 0 days 1,800 sqft
    2024-05-01 0 days 1,851 sqft
    2024-06-01 0 days 1,850 sqft
    2024-07-01 0 days 1,810 sqft
    2024-08-01 0 days 1,774 sqft
    2024-09-01 0 days 1,787 sqft
    2024-10-01 0 days 1,797 sqft
    2024-11-01 0 days 1,750 sqft
    2024-12-01 0 days 1,740 sqft
    2025-01-01 0 days 1,671 sqft
    2025-02-01 0 days 1,607 sqft
    2025-03-01 0 days 1,627 sqft
    2025-04-01 0 days 1,600 sqft
    Ukiah's median listing age (time on market) for 2025-04-01 was 0 days.

    Ukiah's median square footage for active listings during the 2025-04-01 period was 1,600 sqft. One year prior, the average listing was 1,800 sqft.