Visalia USDA Loan Rates, Closing Costs & Stats
VISALIA, 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.
Visalia's 6 lenders originated 6 USDA loans during 2024. The total origination value was $1,630,000, with an average USDA loan value of $271,667.
Visalia USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Visalia
averaged
6.5%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Visalia's average USDA mortgage closing costs are $7,539.
The average rate for the prior week (2025-05-16) was
6.23% and
one month ago for the week of 2025-04-18, the
average rate was 6.52%.
The average rate one year ago was 6.48%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.42%.
Visalia 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 Visalia level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| Century Mortgage Company DBA Century Lending Company | 1 | 6.75% | $14,179 |
| Equity Prime Mortgage LLC | 1 | 6.13% | $10,366 |
| NEWREZ LLC | 1 | 5.50% | $11,755 |
| POINT Mortgage | 1 | 5.75% | $9,678 |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 1 | 5.63% | $0 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 6.25% | $14,127 |
The top Visalia USDA lender as defined by loan originations is Century Mortgage Company DBA Century Lending Company, with
1 USDA loans originated. Their average total fees are
$14,179, which is $3,813
higher than the next largest lender,
Equity Prime Mortgage LLC.
The lowest fee Visalia USDA lenders (with over 10 loans originated) are
.
The lowest rate Visalia USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Visalia (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 | $242,700 (-1.0%) | $315,175 (-1.5%) | 0.90 | 860 |
| 2018-02-01 | $249,995 (0.2%) | $314,696 (-2.3%) | 0.91 | 873 |
| 2018-03-01 | $258,250 (3.3%) | $318,986 (-0.8%) | 0.91 | 856 |
| 2018-04-01 | $267,450 (6.8%) | $330,041 (0.7%) | 0.91 | 839 |
| 2018-05-01 | $270,000 (4.2%) | $334,737 (0.9%) | 0.90 | 890 |
| 2018-06-01 | $269,999 (4.3%) | $333,779 (2.9%) | 0.90 | 905 |
| 2018-07-01 | $271,239 (4.7%) | $332,984 (1.8%) | 0.91 | 949 |
| 2018-08-01 | $264,900 (6.2%) | $323,327 (2.2%) | 0.89 | 997 |
| 2018-09-01 | $265,000 (8.2%) | $314,644 (-0.2%) | 0.89 | 1,035 |
| 2018-10-01 | $269,000 (8.0%) | $314,920 (-0.5%) | 0.91 | 1,062 |
| 2018-11-01 | $265,000 (7.1%) | $315,013 (0.5%) | 0.90 | 1,052 |
| 2018-12-01 | $265,000 (7.8%) | $311,920 (-1.4%) | 0.91 | 1,017 |
| 2019-01-01 | $264,900 (9.2%) | $307,015 (-2.6%) | 0.92 | 980 |
| 2019-02-01 | $269,900 (8.0%) | $316,044 (0.4%) | 0.91 | 956 |
| 2019-03-01 | $271,229 (5.0%) | $325,160 (1.9%) | 0.89 | 938 |
| 2019-04-01 | $272,336 (1.8%) | $331,296 (0.4%) | 0.86 | 928 |
| 2019-05-01 | $274,000 (1.5%) | $328,506 (-1.9%) | 0.86 | 926 |
| 2019-06-01 | $279,900 (3.7%) | $344,757 (3.3%) | 0.87 | 890 |
| 2019-07-01 | $276,975 (2.1%) | $347,287 (4.3%) | 0.87 | 912 |
| 2019-08-01 | $273,291 (3.2%) | $355,417 (9.9%) | 0.87 | 910 |
| 2019-09-01 | $270,877 (2.2%) | $372,067 (18.3%) | 0.87 | 883 |
| 2019-10-01 | $269,000 (0.0%) | $362,459 (15.1%) | 0.87 | 862 |
| 2019-11-01 | $268,720 (1.4%) | $346,284 (9.9%) | 0.88 | 850 |
| 2019-12-01 | $267,225 (0.8%) | $336,752 (8.0%) | 0.89 | 787 |
| 2020-01-01 | $269,900 (1.9%) | $338,652 (10.3%) | 0.90 | 729 |
| 2020-02-01 | $266,000 (-1.4%) | $333,079 (5.4%) | 0.87 | 684 |
| 2020-03-01 | $269,900 (-0.5%) | $344,811 (6.0%) | 0.85 | 676 |
| 2020-04-01 | $272,437 (0.0%) | $339,845 (2.6%) | 0.85 | 697 |
| 2020-05-01 | $274,000 (0.0%) | $345,225 (5.1%) | 0.83 | 623 |
| 2020-06-01 | $277,950 (-0.7%) | $444,312 (28.9%) | 0.82 | 514 |
| 2020-07-01 | $285,000 (2.9%) | $444,607 (28.0%) | 0.83 | 443 |
| 2020-08-01 | $309,450 (13.2%) | $480,139 (35.1%) | 0.89 | 417 |
| 2020-09-01 | $333,900 (23.3%) | $456,241 (22.6%) | 0.96 | 416 |
| 2020-10-01 | $349,000 (29.7%) | $452,942 (25.0%) | 1.00 | 415 |
| 2020-11-01 | $338,500 (26.0%) | $456,461 (31.8%) | 0.99 | 397 |
| 2020-12-01 | $322,250 (20.6%) | $440,449 (30.8%) | 0.96 | 365 |
| 2021-01-01 | $319,000 (18.2%) | $451,950 (33.5%) | 0.95 | 317 |
| 2021-02-01 | $329,000 (23.7%) | $463,826 (39.3%) | 0.96 | 282 |
| 2021-03-01 | $324,663 (20.3%) | $454,861 (31.9%) | 0.92 | 274 |
| 2021-04-01 | $330,000 (21.1%) | $473,927 (39.5%) | 0.89 | 271 |
| 2021-05-01 | $359,000 (31.0%) | $507,931 (47.1%) | 0.95 | 263 |
| 2021-06-01 | $343,950 (23.8%) | $510,077 (14.8%) | 0.91 | 298 |
| 2021-07-01 | $330,000 (15.8%) | $491,610 (10.6%) | 0.87 | 330 |
| 2021-08-01 | $335,000 (8.3%) | $486,655 (1.4%) | 0.89 | 374 |
| 2021-09-01 | $341,619 (2.3%) | $484,483 (6.2%) | 0.91 | 384 |
| 2021-10-01 | $364,783 (4.5%) | $513,888 (13.5%) | 0.97 | 389 |
| 2021-11-01 | $384,950 (13.7%) | $569,679 (24.8%) | 1.03 | 377 |
| 2021-12-01 | $378,873 (17.6%) | $594,009 (34.9%) | 1.03 | 328 |
| 2022-01-01 | $385,000 (20.7%) | $597,943 (32.3%) | 1.04 | 304 |
| 2022-02-01 | $417,500 (26.9%) | $638,929 (37.8%) | 1.09 | 273 |
| 2022-03-01 | $426,225 (31.3%) | $647,020 (42.3%) | 1.07 | 291 |
| 2022-04-01 | $419,900 (27.2%) | $616,341 (30.1%) | 1.00 | 327 |
| 2022-05-01 | $415,000 (15.6%) | $549,202 (8.1%) | 0.95 | 405 |
| 2022-06-01 | $407,500 (18.5%) | $529,385 (3.8%) | 0.91 | 495 |
| 2022-07-01 | $399,995 (21.2%) | $527,849 (7.4%) | 0.90 | 606 |
| 2022-08-01 | $401,867 (20.0%) | $525,670 (8.0%) | 0.93 | 619 |
| 2022-09-01 | $399,995 (17.1%) | $525,273 (8.4%) | 0.94 | 597 |
| 2022-10-01 | $399,900 (9.6%) | $512,212 (-0.3%) | 0.94 | 635 |
| 2022-11-01 | $399,675 (3.8%) | $501,696 (-11.9%) | 0.96 | 647 |
| 2022-12-01 | $399,900 (5.6%) | $503,160 (-15.3%) | 0.99 | 595 |
| 2023-01-01 | $403,750 (4.9%) | $499,771 (-16.4%) | 1.00 | 527 |
| 2023-02-01 | $407,498 (-2.4%) | $510,371 (-20.1%) | 0.98 | 483 |
| 2023-03-01 | $417,450 (-2.1%) | $530,739 (-18.0%) | 0.98 | 456 |
| 2023-04-01 | $435,000 (3.6%) | $550,611 (-10.7%) | 1.01 | 407 |
| 2023-05-01 | $439,450 (5.9%) | $568,670 (3.5%) | 1.00 | 407 |
| 2023-06-01 | $433,500 (6.4%) | $549,055 (3.7%) | 0.97 | 433 |
| 2023-07-01 | $430,000 (7.5%) | $566,612 (7.3%) | 0.98 | 440 |
| 2023-08-01 | $404,900 (0.8%) | $552,152 (5.0%) | 0.93 | 456 |
| 2023-09-01 | $396,000 (-1.0%) | $523,749 (-0.3%) | 0.92 | 481 |
| 2023-10-01 | $394,975 (-1.2%) | $513,223 (0.2%) | 0.93 | 524 |
| 2023-11-01 | $386,950 (-3.2%) | $499,885 (-0.4%) | 0.92 | 548 |
| 2023-12-01 | $380,000 (-5.0%) | $487,262 (-3.2%) | 0.93 | 568 |
| 2024-01-01 | $380,713 (-5.7%) | $493,432 (-1.3%) | 0.93 | 478 |
| 2024-02-01 | $390,225 (-4.2%) | $499,647 (-2.1%) | 0.94 | 460 |
| 2024-03-01 | $399,900 (-4.2%) | $540,857 (1.9%) | 0.94 | 447 |
| 2024-04-01 | $404,743 (-7.0%) | $550,355 (-0.1%) | 0.94 | 478 |
| 2024-05-01 | $422,669 (-3.8%) | $578,425 (1.7%) | 0.96 | 505 |
| 2024-06-01 | $419,000 (-3.3%) | $557,581 (1.6%) | 0.95 | 532 |
| 2024-07-01 | $417,475 (-2.9%) | $545,949 (-3.7%) | 0.95 | 548 |
| 2024-08-01 | $419,900 (3.7%) | $539,475 (-2.3%) | 0.98 | 552 |
| 2024-09-01 | $417,445 (5.4%) | $538,434 (2.8%) | 0.98 | 580 |
| 2024-10-01 | $419,900 (6.3%) | $541,371 (5.5%) | 0.99 | 578 |
| 2024-11-01 | $410,000 (6.0%) | $523,706 (4.8%) | 0.98 | 584 |
| 2024-12-01 | $414,998 (9.2%) | $523,247 (7.4%) | 1.03 | 554 |
| 2025-01-01 | $414,950 (9.0%) | $506,124 (2.6%) | 1.04 | 563 |
| 2025-02-01 | $404,700 (3.7%) | $525,903 (5.3%) | 0.98 | 579 |
| 2025-03-01 | $417,705 (4.5%) | $516,009 (-4.6%) | 0.98 | 588 |
| 2025-04-01 | $421,778 (4.2%) | $524,149 (-4.8%) | 0.98 | 661 |
Visalia's median listing price comes in at 98% of the national average.
Visalia's average listing price for 2025-04-01 was $524,149, a difference of $-26,206 (-4.8%) versus the prior year and $8,140 versus the prior month.
For the 2025-04-01 period, Visalia had 661 MLS listings, a difference of 73 listings (12%) versus the prior month and 183 listings (38%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Visalia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 68 days | 1,700 sqft |
| 2018-02-01 | 62 days | 1,764 sqft |
| 2018-03-01 | 53 days | 1,801 sqft |
| 2018-04-01 | 52 days | 1,829 sqft |
| 2018-05-01 | 44 days | 1,849 sqft |
| 2018-06-01 | 51 days | 1,840 sqft |
| 2018-07-01 | 53 days | 1,822 sqft |
| 2018-08-01 | 51 days | 1,800 sqft |
| 2018-09-01 | 52 days | 1,796 sqft |
| 2018-10-01 | 53 days | 1,798 sqft |
| 2018-11-01 | 56 days | 1,779 sqft |
| 2018-12-01 | 68 days | 1,798 sqft |
| 2019-01-01 | 71 days | 1,775 sqft |
| 2019-02-01 | 65 days | 1,797 sqft |
| 2019-03-01 | 56 days | 1,845 sqft |
| 2019-04-01 | 53 days | 1,852 sqft |
| 2019-05-01 | 50 days | 1,838 sqft |
| 2019-06-01 | 54 days | 1,876 sqft |
| 2019-07-01 | 54 days | 1,842 sqft |
| 2019-08-01 | 52 days | 1,818 sqft |
| 2019-09-01 | 52 days | 1,799 sqft |
| 2019-10-01 | 52 days | 1,776 sqft |
| 2019-11-01 | 53 days | 1,768 sqft |
| 2019-12-01 | 61 days | 1,776 sqft |
| 2020-01-01 | 66 days | 1,787 sqft |
| 2020-02-01 | 52 days | 1,715 sqft |
| 2020-03-01 | 48 days | 1,769 sqft |
| 2020-04-01 | 52 days | 1,769 sqft |
| 2020-05-01 | 64 days | 1,793 sqft |
| 2020-06-01 | 67 days | 1,841 sqft |
| 2020-07-01 | 52 days | 1,858 sqft |
| 2020-08-01 | 47 days | 1,920 sqft |
| 2020-09-01 | 36 days | 2,004 sqft |
| 2020-10-01 | 37 days | 1,992 sqft |
| 2020-11-01 | 40 days | 1,957 sqft |
| 2020-12-01 | 44 days | 1,876 sqft |
| 2021-01-01 | 49 days | 1,823 sqft |
| 2021-02-01 | 39 days | 1,822 sqft |
| 2021-03-01 | 25 days | 1,811 sqft |
| 2021-04-01 | 27 days | 1,802 sqft |
| 2021-05-01 | 23 days | 1,822 sqft |
| 2021-06-01 | 22 days | 1,787 sqft |
| 2021-07-01 | 26 days | 1,760 sqft |
| 2021-08-01 | 26 days | 1,685 sqft |
| 2021-09-01 | 30 days | 1,707 sqft |
| 2021-10-01 | 37 days | 1,782 sqft |
| 2021-11-01 | 36 days | 1,833 sqft |
| 2021-12-01 | 42 days | 1,791 sqft |
| 2022-01-01 | 39 days | 1,800 sqft |
| 2022-02-01 | 31 days | 1,896 sqft |
| 2022-03-01 | 23 days | 1,898 sqft |
| 2022-04-01 | 25 days | 1,842 sqft |
| 2022-05-01 | 25 days | 1,833 sqft |
| 2022-06-01 | 29 days | 1,800 sqft |
| 2022-07-01 | 31 days | 1,791 sqft |
| 2022-08-01 | 45 days | 1,795 sqft |
| 2022-09-01 | 53 days | 1,799 sqft |
| 2022-10-01 | 54 days | 1,790 sqft |
| 2022-11-01 | 54 days | 1,838 sqft |
| 2022-12-01 | 61 days | 1,788 sqft |
| 2023-01-01 | 69 days | 1,829 sqft |
| 2023-02-01 | 63 days | 1,844 sqft |
| 2023-03-01 | 50 days | 1,847 sqft |
| 2023-04-01 | 51 days | 1,911 sqft |
| 2023-05-01 | 45 days | 1,886 sqft |
| 2023-06-01 | 36 days | 1,853 sqft |
| 2023-07-01 | 38 days | 1,854 sqft |
| 2023-08-01 | 46 days | 1,800 sqft |
| 2023-09-01 | 44 days | 1,735 sqft |
| 2023-10-01 | 50 days | 1,717 sqft |
| 2023-11-01 | 56 days | 1,700 sqft |
| 2023-12-01 | 60 days | 1,695 sqft |
| 2024-01-01 | 62 days | 1,713 sqft |
| 2024-02-01 | 48 days | 1,741 sqft |
| 2024-03-01 | 41 days | 1,739 sqft |
| 2024-04-01 | 39 days | 1,772 sqft |
| 2024-05-01 | 41 days | 1,810 sqft |
| 2024-06-01 | 43 days | 1,811 sqft |
| 2024-07-01 | 48 days | 1,799 sqft |
| 2024-08-01 | 53 days | 1,785 sqft |
| 2024-09-01 | 51 days | 1,792 sqft |
| 2024-10-01 | 52 days | 1,815 sqft |
| 2024-11-01 | 53 days | 1,767 sqft |
| 2024-12-01 | 60 days | 1,797 sqft |
| 2025-01-01 | 65 days | 1,798 sqft |
| 2025-02-01 | 52 days | 1,788 sqft |
| 2025-03-01 | 50 days | 1,796 sqft |
| 2025-04-01 | 43 days | 1,789 sqft |
Visalia's median square footage for active listings during the 2025-04-01 period was 1,789 sqft. One year prior, the average listing was 1,772 sqft.