Vineland USDA Loan Rates, Closing Costs & Stats

VINELAND-BRIDGETON, NJ

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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.

    Vineland's 1 lenders originated 2 USDA loans during 2023. The total origination value was $250,000, with an average USDA loan value of $125,000.

    Vineland USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Vineland averaged 6.5% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Vineland's average USDA mortgage closing costs are $5,698.

    The average rate for the prior week (2025-02-07) was 6.56% and one month ago for the week of 2025-01-10, the average rate was 6.61%.

    The average rate one year ago was 6.6%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.33%.

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

    Vineland 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 Vineland level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    NATION ONE MORTGAGE CORPORATION 1 5.63% $6,609

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Vineland (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 $129,225 (-0.6%) $142,288 (-3.8%) 0.00 724
    2018-02-01 $129,450 (-0.4%) $141,315 (-6.1%) 0.00 731
    2018-03-01 $132,700 (-2.4%) $142,511 (-6.4%) 0.00 731
    2018-04-01 $129,450 (-5.5%) $142,426 (-7.4%) 0.00 767
    2018-05-01 $139,900 (2.1%) $152,857 (-1.5%) 0.00 741
    2018-06-01 $139,900 (0.5%) $151,752 (-3.2%) 0.00 780
    2018-07-01 $139,950 (0.0%) $152,370 (-3.5%) 0.00 802
    2018-08-01 $139,925 (0.0%) $357,298 (130.7%) 0.00 844
    2018-09-01 $141,250 (4.6%) $359,390 (137.4%) 0.00 836
    2018-10-01 $141,425 (7.4%) $151,912 (2.1%) 0.00 827
    2018-11-01 $139,900 (7.7%) $151,872 (4.9%) 0.00 814
    2018-12-01 $135,000 (3.9%) $150,284 (4.5%) 0.00 781
    2019-01-01 $134,950 (4.4%) $147,851 (3.9%) 0.00 738
    2019-02-01 $135,438 (4.6%) $150,175 (6.3%) 0.00 756
    2019-03-01 $138,971 (4.7%) $152,413 (7.0%) 0.00 753
    2019-04-01 $139,900 (8.1%) $154,362 (8.4%) 0.00 742
    2019-05-01 $142,500 (1.9%) $158,630 (3.8%) 0.00 745
    2019-06-01 $145,000 (3.7%) $161,071 (6.1%) 0.00 771
    2019-07-01 $148,700 (6.3%) $161,998 (6.3%) 0.00 779
    2019-08-01 $146,418 (4.6%) $183,802 (-48.6%) 0.00 753
    2019-09-01 $147,870 (4.7%) $172,260 (-52.1%) 0.00 720
    2019-10-01 $147,314 (4.2%) $163,378 (7.6%) 0.00 694
    2019-11-01 $145,000 (3.7%) $160,846 (5.9%) 0.00 669
    2019-12-01 $139,950 (3.7%) $159,813 (6.3%) 0.00 630
    2020-01-01 $144,750 (7.3%) $161,392 (9.2%) 0.00 582
    2020-02-01 $150,000 (10.8%) $164,841 (9.8%) 0.00 576
    2020-03-01 $150,000 (7.9%) $167,979 (10.2%) 0.00 572
    2020-04-01 $152,450 (9.0%) $171,353 (11.0%) 0.00 516
    2020-05-01 $160,000 (12.3%) $205,506 (29.6%) 0.00 479
    2020-06-01 $158,850 (9.6%) $212,251 (31.8%) 0.00 402
    2020-07-01 $154,450 (3.9%) $216,166 (33.4%) 0.00 356
    2020-08-01 $157,000 (7.2%) $224,726 (22.3%) 0.00 329
    2020-09-01 $159,900 (8.1%) $240,816 (39.8%) 0.00 328
    2020-10-01 $164,900 (11.9%) $252,801 (54.7%) 0.00 316
    2020-11-01 $169,325 (16.8%) $257,651 (60.2%) 0.00 335
    2020-12-01 $167,750 (19.9%) $266,553 (66.8%) 0.00 304
    2021-01-01 $160,000 (10.5%) $262,240 (62.5%) 0.00 298
    2021-02-01 $160,000 (6.7%) $219,740 (33.3%) 0.00 258
    2021-03-01 $162,500 (8.3%) $228,459 (36.0%) 0.00 240
    2021-04-01 $168,650 (10.6%) $231,728 (35.2%) 0.00 223
    2021-05-01 $179,000 (11.9%) $233,842 (13.8%) 0.00 202
    2021-06-01 $189,900 (19.6%) $232,070 (9.3%) 0.00 235
    2021-07-01 $191,000 (23.7%) $239,843 (11.0%) 0.00 278
    2021-08-01 $191,925 (22.3%) $244,438 (8.8%) 0.00 327
    2021-09-01 $189,950 (18.8%) $245,373 (1.9%) 0.00 317
    2021-10-01 $190,000 (15.2%) $331,914 (31.3%) 0.00 316
    2021-11-01 $190,950 (12.8%) $330,703 (28.4%) 0.00 308
    2021-12-01 $198,000 (18.0%) $349,415 (31.1%) 0.00 280
    2022-01-01 $199,000 (24.4%) $381,184 (45.4%) 0.00 232
    2022-02-01 $192,500 (20.3%) $386,479 (75.9%) 0.00 232
    2022-03-01 $199,925 (23.0%) $402,532 (76.2%) 0.00 216
    2022-04-01 $199,900 (18.5%) $379,436 (63.7%) 0.00 225
    2022-05-01 $217,200 (21.3%) $372,967 (59.5%) 0.00 259
    2022-06-01 $225,000 (18.5%) $362,487 (56.2%) 0.00 285
    2022-07-01 $229,950 (20.4%) $355,364 (48.2%) 0.00 313
    2022-08-01 $230,000 (19.8%) $353,394 (44.6%) 0.00 323
    2022-09-01 $239,900 (26.3%) $360,521 (46.9%) 0.00 313
    2022-10-01 $245,000 (29.0%) $366,782 (10.5%) 0.00 313
    2022-11-01 $243,900 (27.7%) $366,418 (10.8%) 0.00 304
    2022-12-01 $240,000 (21.2%) $382,595 (9.5%) 0.00 286
    2023-01-01 $238,450 (19.8%) $392,171 (2.9%) 0.00 252
    2023-02-01 $240,000 (24.7%) $415,918 (7.6%) 0.00 220
    2023-03-01 $250,000 (25.1%) $425,687 (5.8%) 0.00 203
    2023-04-01 $269,900 (35.0%) $466,801 (23.0%) 0.00 180
    2023-05-01 $254,975 (17.4%) $443,199 (18.8%) 0.00 187
    2023-06-01 $259,450 (15.3%) $430,330 (18.7%) 0.00 201
    2023-07-01 $249,900 (8.7%) $440,864 (24.1%) 0.00 195
    2023-08-01 $258,450 (12.4%) $428,479 (21.3%) 0.00 221
    2023-09-01 $250,000 (4.2%) $411,412 (14.1%) 0.00 236
    2023-10-01 $249,950 (2.0%) $421,185 (14.8%) 0.00 234
    2023-11-01 $254,975 (4.5%) $316,330 (-13.7%) 0.00 261
    2023-12-01 $262,450 (9.4%) $323,799 (-15.4%) 0.00 249
    2024-01-01 $263,250 (10.4%) $325,337 (-17.0%) 0.00 239
    2024-02-01 $258,750 (7.8%) $284,513 (-31.6%) 0.00 237
    2024-03-01 $265,000 (6.0%) $298,112 (-30.0%) 0.00 243
    2024-04-01 $269,900 (0.0%) $303,010 (-35.1%) 0.00 235
    2024-05-01 $283,750 (11.3%) $300,930 (-32.1%) 0.00 232
    2024-06-01 $279,950 (7.9%) $297,793 (-30.8%) 0.00 255
    2024-07-01 $286,000 (14.5%) $311,444 (-29.4%) 0.00 256
    2024-08-01 $285,000 (10.3%) $318,787 (-25.6%) 0.00 273
    2024-09-01 $291,000 (16.4%) $323,928 (-21.3%) 0.00 289
    2024-10-01 $299,650 (19.9%) $336,644 (-20.1%) 0.00 310
    2024-11-01 $299,900 (17.6%) $343,987 (8.7%) 0.00 297
    2024-12-01 $299,950 (14.3%) $351,777 (8.6%) 0.00 273
    2025-01-01 $299,850 (13.9%) $348,120 (7.0%) 0.00 270
    Vineland's median listing price for 2025-01-01 was $299,850, a difference of $36,600 (13.9%) versus the prior year and $-100 versus the prior month.

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

    Vineland's average listing price for 2025-01-01 was $348,120, a difference of $22,783 (7.0%) versus the prior year and $-3,657 versus the prior month.

    For the 2025-01-01 period, Vineland had 270 MLS listings, a difference of -3 listings (-1%) versus the prior month and 31 listings (13%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Vineland (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,431 sqft
    2018-02-01 0 days 1,404 sqft
    2018-03-01 0 days 1,410 sqft
    2018-04-01 0 days 1,429 sqft
    2018-05-01 0 days 1,464 sqft
    2018-06-01 0 days 1,456 sqft
    2018-07-01 0 days 1,458 sqft
    2018-08-01 0 days 1,457 sqft
    2018-09-01 0 days 1,461 sqft
    2018-10-01 0 days 1,454 sqft
    2018-11-01 0 days 1,445 sqft
    2018-12-01 0 days 1,420 sqft
    2019-01-01 0 days 1,426 sqft
    2019-02-01 0 days 1,434 sqft
    2019-03-01 0 days 1,439 sqft
    2019-04-01 0 days 1,438 sqft
    2019-05-01 0 days 1,461 sqft
    2019-06-01 0 days 1,500 sqft
    2019-07-01 0 days 1,509 sqft
    2019-08-01 0 days 1,503 sqft
    2019-09-01 0 days 1,496 sqft
    2019-10-01 0 days 1,483 sqft
    2019-11-01 0 days 1,461 sqft
    2019-12-01 0 days 1,452 sqft
    2020-01-01 0 days 1,448 sqft
    2020-02-01 0 days 1,440 sqft
    2020-03-01 0 days 1,446 sqft
    2020-04-01 0 days 1,474 sqft
    2020-05-01 0 days 1,508 sqft
    2020-06-01 0 days 1,515 sqft
    2020-07-01 0 days 1,496 sqft
    2020-08-01 0 days 1,497 sqft
    2020-09-01 0 days 1,502 sqft
    2020-10-01 0 days 1,466 sqft
    2020-11-01 0 days 1,535 sqft
    2020-12-01 0 days 1,502 sqft
    2021-01-01 0 days 1,440 sqft
    2021-02-01 0 days 1,402 sqft
    2021-03-01 0 days 1,412 sqft
    2021-04-01 0 days 1,468 sqft
    2021-05-01 0 days 1,472 sqft
    2021-06-01 0 days 1,498 sqft
    2021-07-01 0 days 1,487 sqft
    2021-08-01 0 days 1,480 sqft
    2021-09-01 0 days 1,465 sqft
    2021-10-01 0 days 1,476 sqft
    2021-11-01 0 days 1,489 sqft
    2021-12-01 0 days 1,458 sqft
    2022-01-01 0 days 1,407 sqft
    2022-02-01 0 days 1,416 sqft
    2022-03-01 0 days 1,439 sqft
    2022-04-01 0 days 1,470 sqft
    2022-05-01 0 days 1,503 sqft
    2022-06-01 0 days 1,485 sqft
    2022-07-01 0 days 1,469 sqft
    2022-08-01 0 days 1,443 sqft
    2022-09-01 0 days 1,469 sqft
    2022-10-01 0 days 1,507 sqft
    2022-11-01 0 days 1,482 sqft
    2022-12-01 0 days 1,488 sqft
    2023-01-01 0 days 1,467 sqft
    2023-02-01 0 days 1,446 sqft
    2023-03-01 0 days 1,477 sqft
    2023-04-01 0 days 1,500 sqft
    2023-05-01 0 days 1,497 sqft
    2023-06-01 0 days 1,485 sqft
    2023-07-01 0 days 1,583 sqft
    2023-08-01 0 days 1,478 sqft
    2023-09-01 0 days 1,488 sqft
    2023-10-01 0 days 1,499 sqft
    2023-11-01 0 days 1,497 sqft
    2023-12-01 0 days 1,512 sqft
    2024-01-01 0 days 1,489 sqft
    2024-02-01 0 days 1,428 sqft
    2024-03-01 0 days 1,426 sqft
    2024-04-01 0 days 1,465 sqft
    2024-05-01 0 days 1,498 sqft
    2024-06-01 0 days 1,478 sqft
    2024-07-01 0 days 1,490 sqft
    2024-08-01 0 days 1,518 sqft
    2024-09-01 0 days 1,537 sqft
    2024-10-01 0 days 1,552 sqft
    2024-11-01 0 days 1,560 sqft
    2024-12-01 0 days 1,585 sqft
    2025-01-01 0 days 1,523 sqft
    Vineland's median listing age (time on market) for 2025-01-01 was 0 days.

    Vineland's median square footage for active listings during the 2025-01-01 period was 1,523 sqft. One year prior, the average listing was 1,489 sqft.