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 2022. The total origination value was $255,000, with an average USDA loan value of $255,000.

    Ukiah USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Ukiah averaged 6.42% for the week of 2023-09-22, compared to the national average (all USDA variants) of 7.021% for the same period.

    Ukiah's average USDA mortgage closing costs are $7,623.

    The average rate for the prior week (2023-09-15) was 6.28% and one month ago for the week of 2023-08-18, the average rate was 6.38%.

    The average rate one year ago was 5.51%.

    For refis of the same type during the week of 2023-09-22, the average rate was 5.67%.

    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    CALIBER HOME LOANS, INC. 1 4.75% $9,074

    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 (0.7%) $870,102 (-4.1%) 0.00 284
    2018-02-01 $595,000 (4.9%) $838,877 (-7.6%) 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 (5.3%) $905,395 (14.0%) 0.00 461
    2018-06-01 $599,950 (3.4%) $892,308 (11.9%) 0.00 478
    2018-07-01 $621,725 (4.5%) $882,648 (0.7%) 0.00 500
    2018-08-01 $631,500 (10.9%) $879,692 (2.5%) 0.00 496
    2018-09-01 $622,500 (3.9%) $873,372 (0.5%) 0.00 497
    2018-10-01 $619,250 (-0.9%) $866,598 (-1.7%) 0.00 483
    2018-11-01 $599,000 (-4.9%) $857,734 (-5.0%) 0.00 460
    2018-12-01 $585,000 (-5.5%) $849,660 (-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%) $900,385 (2.8%) 0.00 413
    2019-04-01 $595,000 (1.2%) $899,635 (2.1%) 0.00 417
    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 (-4.3%) $928,337 (5.2%) 0.00 463
    2019-08-01 $599,000 (-5.2%) $942,158 (7.1%) 0.00 449
    2019-09-01 $599,000 (-3.8%) $944,781 (8.2%) 0.00 427
    2019-10-01 $599,000 (-3.3%) $951,639 (9.8%) 0.00 405
    2019-11-01 $599,400 (0.1%) $999,676 (16.6%) 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 (8.0%) 0.00 295
    2020-04-01 $632,000 (6.2%) $986,760 (9.7%) 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%) $1,345,697 (8.0%) 0.00 176
    2022-02-01 $749,500 (-8.2%) $1,321,939 (-4.1%) 0.00 188
    2022-03-01 $712,000 (-16.2%) $1,223,796 (-6.4%) 0.00 199
    2022-04-01 $699,000 (-17.8%) $1,140,623 (-15.2%) 0.00 244
    2022-05-01 $672,500 (-11.8%) $1,083,082 (-14.0%) 0.00 272
    2022-06-01 $660,750 (-11.6%) $1,068,989 (-11.7%) 0.00 300
    2022-07-01 $637,000 (-18.3%) $996,796 (-21.0%) 0.00 324
    2022-08-01 $612,500 (-20.1%) $970,995 (-26.1%) 0.00 313
    2022-09-01 $629,000 (-10.0%) $1,033,937 (-16.7%) 0.00 310
    2022-10-01 $621,000 (-16.9%) $1,041,197 (-18.1%) 0.00 313
    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 (-32.9%) 0.00 228
    2023-02-01 $599,000 (-20.1%) $999,169 (-24.4%) 0.00 218
    2023-03-01 $598,000 (-16.0%) $1,015,964 (-17.0%) 0.00 223
    2023-04-01 $609,500 (-12.8%) $1,013,407 (-11.2%) 0.00 250
    2023-05-01 $643,500 (-4.3%) $1,028,224 (-5.1%) 0.00 279
    2023-06-01 $617,500 (-6.6%) $1,015,585 (-5.0%) 0.00 303
    2023-07-01 $649,000 (1.9%) $1,010,352 (1.4%) 0.00 309
    2023-08-01 $677,125 (10.6%) $1,028,172 (5.9%) 0.00 314
    Ukiah's median listing price for 2023-08-01 was $677,125, a difference of $64,625 (10.6%) versus the prior year and $28,125 versus the prior month.

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

    Ukiah's average listing price for 2023-08-01 was $1,028,172, a difference of $57,177 (5.9%) versus the prior year and $17,820 versus the prior month.

    For the 2023-08-01 period, Ukiah had 314 MLS listings, a difference of 5 listings (2%) versus the prior month and 1 listings (0%) 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 1,770 sqft
    2018-02-01 0 days 1,724 sqft
    2018-03-01 0 days 1,725 sqft
    2018-04-01 0 days 1,741 sqft
    2018-05-01 0 days 1,700 sqft
    2018-06-01 0 days 1,725 sqft
    2018-07-01 0 days 1,720 sqft
    2018-08-01 0 days 1,724 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 1,647 sqft
    2019-02-01 0 days 1,626 sqft
    2019-03-01 0 days 1,644 sqft
    2019-04-01 0 days 1,640 sqft
    2019-05-01 0 days 1,689 sqft
    2019-06-01 0 days 1,660 sqft
    2019-07-01 0 days 1,686 sqft
    2019-08-01 0 days 1,704 sqft
    2019-09-01 0 days 1,709 sqft
    2019-10-01 0 days 1,713 sqft
    2019-11-01 0 days 1,711 sqft
    2019-12-01 0 days 1,723 sqft
    2020-01-01 0 days 1,727 sqft
    2020-02-01 0 days 1,800 sqft
    2020-03-01 0 days 1,711 sqft
    2020-04-01 0 days 1,679 sqft
    2020-05-01 0 days 1,700 sqft
    2020-06-01 0 days 1,764 sqft
    2020-07-01 0 days 1,820 sqft
    2020-08-01 0 days 1,900 sqft
    2020-09-01 0 days 1,923 sqft
    2020-10-01 0 days 1,856 sqft
    2020-11-01 0 days 1,902 sqft
    2020-12-01 0 days 1,897 sqft
    2021-01-01 0 days 1,904 sqft
    2021-02-01 0 days 1,825 sqft
    2021-03-01 0 days 1,850 sqft
    2021-04-01 0 days 1,849 sqft
    2021-05-01 0 days 1,776 sqft
    2021-06-01 0 days 1,686 sqft
    2021-07-01 0 days 1,640 sqft
    2021-08-01 0 days 1,643 sqft
    2021-09-01 0 days 1,600 sqft
    2021-10-01 0 days 1,676 sqft
    2021-11-01 0 days 1,742 sqft
    2021-12-01 0 days 1,778 sqft
    2022-01-01 0 days 1,800 sqft
    2022-02-01 0 days 1,664 sqft
    2022-03-01 0 days 1,670 sqft
    2022-04-01 0 days 1,663 sqft
    2022-05-01 0 days 1,630 sqft
    2022-06-01 0 days 1,595 sqft
    2022-07-01 0 days 1,600 sqft
    2022-08-01 0 days 1,606 sqft
    2022-09-01 0 days 1,685 sqft
    2022-10-01 0 days 1,700 sqft
    2022-11-01 0 days 1,689 sqft
    2022-12-01 0 days 1,648 sqft
    2023-01-01 0 days 1,695 sqft
    2023-02-01 0 days 1,596 sqft
    2023-03-01 0 days 1,582 sqft
    2023-04-01 0 days 1,600 sqft
    2023-05-01 0 days 1,692 sqft
    2023-06-01 0 days 1,669 sqft
    2023-07-01 0 days 1,700 sqft
    2023-08-01 0 days 1,705 sqft
    Ukiah's median listing age (time on market) for 2023-08-01 was 0 days.

    Ukiah's median square footage for active listings during the 2023-08-01 period was 1,705 sqft. One year prior, the average listing was 1,606 sqft.