Winnemucca USDA Loan Rates, Closing Costs & Stats
Winnemucca, NV
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.
Winnemucca's 3 lenders originated 3 USDA loans during 2023. The total origination value was $735,000, with an average USDA loan value of $245,000.
Winnemucca USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Winnemucca
averaged
6.91%
for the week of 2024-04-19, compared to the national average (all USDA variants) of
6.863% for the same period.
Winnemucca's average USDA mortgage closing costs are $7,463.
The average rate for the prior week (2024-04-12) was
6.86% and
one month ago for the week of 2024-03-15, the
average rate was 6.44%.
The average rate one year ago was 6.48%.
For refis of the same type during the week of 2024-04-19, the average rate
was 6.96%.
Winnemucca 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 Winnemucca level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| AMERICAN PACIFIC MORTGAGE CORPORATION | 1 | 6.88% | $8,192 |
| GUILD MORTGAGE COMPANY | 1 | 6.13% | $11,455 |
| ISERVE RESIDENTIAL LENDING, LLC | 1 | 6.13% | $9,157 |
The top Winnemucca USDA lender as defined by loan originations is AMERICAN PACIFIC MORTGAGE CORPORATION, with
1 USDA loans originated. Their average total fees are
$8,192, which is $3,263
lower than the next largest lender,
GUILD MORTGAGE COMPANY.
The lowest fee Winnemucca USDA lenders (with over 10 loans originated) are
.
The lowest rate Winnemucca USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Winnemucca (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 | $229,450 (27.5%) | $217,623 (13.1%) | 0.00 | 18 |
| 2018-02-01 | $247,225 (38.5%) | $221,520 (12.0%) | 0.00 | 19 |
| 2018-03-01 | $268,000 (42.6%) | $235,400 (12.5%) | 0.00 | 19 |
| 2018-04-01 | $262,450 (31.3%) | $243,112 (10.0%) | 0.00 | 17 |
| 2018-05-01 | $254,500 (25.7%) | $247,586 (10.7%) | 0.00 | 21 |
| 2018-06-01 | $245,000 (16.3%) | $241,900 (8.1%) | 0.00 | 21 |
| 2018-07-01 | $227,975 (6.6%) | $224,401 (2.6%) | 0.00 | 18 |
| 2018-08-01 | $229,900 (26.9%) | $250,008 (22.1%) | 0.00 | 18 |
| 2018-09-01 | $239,000 (29.2%) | $262,345 (25.6%) | 0.00 | 30 |
| 2018-10-01 | $221,175 (12.7%) | $242,409 (17.0%) | 0.00 | 33 |
| 2018-11-01 | $218,000 (-0.9%) | $240,301 (13.0%) | 0.00 | 41 |
| 2018-12-01 | $214,500 (-10.6%) | $234,933 (5.1%) | 0.00 | 42 |
| 2019-01-01 | $214,500 (-6.5%) | $230,177 (5.8%) | 0.00 | 42 |
| 2019-02-01 | $215,250 (-12.9%) | $243,874 (10.1%) | 0.00 | 40 |
| 2019-03-01 | $227,643 (-15.1%) | $325,802 (38.4%) | 0.00 | 33 |
| 2019-04-01 | $244,250 (-6.9%) | $437,834 (80.1%) | 0.00 | 33 |
| 2019-05-01 | $245,500 (-3.5%) | $337,424 (36.3%) | 0.00 | 35 |
| 2019-06-01 | $252,450 (3.0%) | $266,363 (10.1%) | 0.00 | 42 |
| 2019-07-01 | $272,000 (19.3%) | $282,195 (25.8%) | 0.00 | 55 |
| 2019-08-01 | $284,372 (23.7%) | $286,692 (14.7%) | 0.00 | 56 |
| 2019-09-01 | $264,757 (10.8%) | $276,076 (5.2%) | 0.00 | 57 |
| 2019-10-01 | $244,700 (10.6%) | $265,542 (9.5%) | 0.00 | 57 |
| 2019-11-01 | $249,750 (14.6%) | $274,333 (14.2%) | 0.00 | 42 |
| 2019-12-01 | $263,725 (23.0%) | $286,054 (21.8%) | 0.00 | 31 |
| 2020-01-01 | $277,000 (29.1%) | $287,113 (24.7%) | 0.00 | 30 |
| 2020-02-01 | $287,450 (33.5%) | $283,782 (16.4%) | 0.00 | 28 |
| 2020-03-01 | $276,500 (21.5%) | $275,273 (-15.5%) | 0.00 | 25 |
| 2020-04-01 | $274,000 (12.2%) | $271,739 (-37.9%) | 0.00 | 28 |
| 2020-05-01 | $274,450 (11.8%) | $280,205 (-17.0%) | 0.00 | 23 |
| 2020-06-01 | $279,900 (10.9%) | $309,158 (16.1%) | 0.00 | 21 |
| 2020-07-01 | $274,900 (1.1%) | $311,661 (10.4%) | 0.00 | 17 |
| 2020-08-01 | $272,400 (-4.2%) | $302,977 (5.7%) | 0.00 | 21 |
| 2020-09-01 | $311,225 (17.6%) | $806,427 (192.1%) | 0.00 | 25 |
| 2020-10-01 | $275,000 (12.4%) | $870,235 (227.7%) | 0.00 | 20 |
| 2020-11-01 | $380,500 (52.4%) | $981,789 (257.9%) | 0.00 | 17 |
| 2020-12-01 | $382,500 (45.0%) | $1,249,079 (336.7%) | 0.00 | 9 |
| 2021-01-01 | $379,000 (36.8%) | $356,488 (24.2%) | 0.00 | 6 |
| 2021-02-01 | $365,000 (27.0%) | $344,607 (21.4%) | 0.00 | 5 |
| 2021-03-01 | $349,000 (26.2%) | $326,731 (18.7%) | 0.00 | 8 |
| 2021-04-01 | $259,900 (-5.2%) | $296,535 (9.1%) | 0.00 | 9 |
| 2021-05-01 | $312,000 (13.7%) | $339,979 (21.3%) | 0.00 | 13 |
| 2021-06-01 | $317,225 (13.3%) | $345,563 (11.8%) | 0.00 | 13 |
| 2021-07-01 | $299,000 (8.8%) | $326,160 (4.7%) | 0.00 | 11 |
| 2021-08-01 | $377,000 (38.4%) | $505,624 (66.9%) | 0.00 | 20 |
| 2021-09-01 | $388,125 (24.7%) | $527,051 (-34.6%) | 0.00 | 22 |
| 2021-10-01 | $297,450 (8.2%) | $469,677 (-46.0%) | 0.00 | 22 |
| 2021-11-01 | $359,675 (-5.5%) | $560,442 (-42.9%) | 0.00 | 16 |
| 2021-12-01 | $374,450 (-2.1%) | $555,862 (-55.5%) | 0.00 | 17 |
| 2022-01-01 | $341,000 (-10.0%) | $566,139 (58.8%) | 0.00 | 17 |
| 2022-02-01 | $414,550 (13.6%) | $540,661 (56.9%) | 0.00 | 31 |
| 2022-03-01 | $421,875 (20.9%) | $545,604 (67.0%) | 0.00 | 31 |
| 2022-04-01 | $409,000 (57.4%) | $512,197 (72.7%) | 0.00 | 35 |
| 2022-05-01 | $427,375 (37.0%) | $512,364 (50.7%) | 0.00 | 42 |
| 2022-06-01 | $409,500 (29.1%) | $510,381 (47.7%) | 0.00 | 43 |
| 2022-07-01 | $442,500 (48.0%) | $522,140 (60.1%) | 0.00 | 47 |
| 2022-08-01 | $418,500 (11.0%) | $475,179 (-6.0%) | 0.00 | 56 |
| 2022-09-01 | $419,225 (8.0%) | $475,631 (-9.8%) | 0.00 | 49 |
| 2022-10-01 | $427,450 (43.7%) | $437,868 (-6.8%) | 0.00 | 49 |
| 2022-11-01 | $428,750 (19.2%) | $440,970 (-21.3%) | 0.00 | 49 |
| 2022-12-01 | $432,500 (15.5%) | $437,020 (-21.4%) | 0.00 | 45 |
| 2023-01-01 | $450,000 (32.0%) | $441,671 (-22.0%) | 0.00 | 41 |
| 2023-02-01 | $429,900 (3.7%) | $431,477 (-20.2%) | 0.00 | 43 |
| 2023-03-01 | $442,050 (4.8%) | $436,647 (-20.0%) | 0.00 | 43 |
| 2023-04-01 | $453,900 (11.0%) | $428,287 (-16.4%) | 0.00 | 42 |
| 2023-05-01 | $411,425 (-3.7%) | $411,703 (-19.7%) | 0.00 | 48 |
| 2023-06-01 | $416,650 (1.8%) | $420,276 (-17.7%) | 0.00 | 45 |
| 2023-07-01 | $372,450 (-15.8%) | $415,339 (-20.5%) | 0.00 | 47 |
| 2023-08-01 | $368,675 (-11.9%) | $420,681 (-11.5%) | 0.00 | 46 |
| 2023-09-01 | $359,900 (-14.2%) | $419,761 (-11.8%) | 0.00 | 37 |
| 2023-10-01 | $359,900 (-15.8%) | $418,528 (-4.4%) | 0.00 | 41 |
| 2023-11-01 | $383,725 (-10.5%) | $437,352 (-0.8%) | 0.00 | 39 |
| 2023-12-01 | $444,550 (2.8%) | $453,907 (3.9%) | 0.00 | 47 |
| 2024-01-01 | $467,456 (3.9%) | $471,230 (6.7%) | 0.00 | 39 |
| 2024-02-01 | $474,934 (10.5%) | $470,098 (9.0%) | 0.00 | 36 |
| 2024-03-01 | $439,100 (-0.7%) | $441,326 (1.1%) | 0.00 | 36 |
Winnemucca's median listing price comes in at 0% of the national average.
Winnemucca's average listing price for 2024-03-01 was $441,326, a difference of $4,679 (1.1%) versus the prior year and $-28,772 versus the prior month.
For the 2024-03-01 period, Winnemucca had 36 MLS listings, a difference of 0 listings (0%) versus the prior month and -7 listings (-16%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Winnemucca (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,877 sqft |
| 2018-02-01 | 0 days | 1,915 sqft |
| 2018-03-01 | 0 days | 1,900 sqft |
| 2018-04-01 | 0 days | 1,939 sqft |
| 2018-05-01 | 0 days | 1,977 sqft |
| 2018-06-01 | 0 days | 1,936 sqft |
| 2018-07-01 | 0 days | 1,878 sqft |
| 2018-08-01 | 0 days | 1,929 sqft |
| 2018-09-01 | 0 days | 2,016 sqft |
| 2018-10-01 | 0 days | 1,823 sqft |
| 2018-11-01 | 0 days | 1,860 sqft |
| 2018-12-01 | 0 days | 1,617 sqft |
| 2019-01-01 | 0 days | 1,584 sqft |
| 2019-02-01 | 0 days | 1,683 sqft |
| 2019-03-01 | 0 days | 1,727 sqft |
| 2019-04-01 | 0 days | 1,777 sqft |
| 2019-05-01 | 0 days | 1,880 sqft |
| 2019-06-01 | 0 days | 1,904 sqft |
| 2019-07-01 | 0 days | 1,984 sqft |
| 2019-08-01 | 0 days | 1,944 sqft |
| 2019-09-01 | 0 days | 1,793 sqft |
| 2019-10-01 | 0 days | 1,704 sqft |
| 2019-11-01 | 0 days | 1,902 sqft |
| 2019-12-01 | 0 days | 1,864 sqft |
| 2020-01-01 | 0 days | 1,939 sqft |
| 2020-02-01 | 0 days | 1,956 sqft |
| 2020-03-01 | 0 days | 2,026 sqft |
| 2020-04-01 | 0 days | 1,967 sqft |
| 2020-05-01 | 0 days | 1,764 sqft |
| 2020-06-01 | 0 days | 2,000 sqft |
| 2020-07-01 | 0 days | 2,080 sqft |
| 2020-08-01 | 0 days | 1,853 sqft |
| 2020-09-01 | 0 days | 2,001 sqft |
| 2020-10-01 | 0 days | 1,799 sqft |
| 2020-11-01 | 0 days | 2,088 sqft |
| 2020-12-01 | 0 days | 2,067 sqft |
| 2021-01-01 | 0 days | 2,180 sqft |
| 2021-02-01 | 0 days | 2,103 sqft |
| 2021-03-01 | 0 days | 2,141 sqft |
| 2021-04-01 | 0 days | 1,640 sqft |
| 2021-05-01 | 0 days | 1,728 sqft |
| 2021-06-01 | 0 days | 1,752 sqft |
| 2021-07-01 | 0 days | 1,596 sqft |
| 2021-08-01 | 0 days | 1,904 sqft |
| 2021-09-01 | 0 days | 2,167 sqft |
| 2021-10-01 | 0 days | 1,574 sqft |
| 2021-11-01 | 0 days | 1,801 sqft |
| 2021-12-01 | 0 days | 1,801 sqft |
| 2022-01-01 | 0 days | 1,777 sqft |
| 2022-02-01 | 0 days | 1,854 sqft |
| 2022-03-01 | 0 days | 1,875 sqft |
| 2022-04-01 | 0 days | 1,904 sqft |
| 2022-05-01 | 0 days | 1,953 sqft |
| 2022-06-01 | 0 days | 1,919 sqft |
| 2022-07-01 | 0 days | 1,956 sqft |
| 2022-08-01 | 0 days | 1,919 sqft |
| 2022-09-01 | 0 days | 1,911 sqft |
| 2022-10-01 | 0 days | 1,920 sqft |
| 2022-11-01 | 0 days | 1,933 sqft |
| 2022-12-01 | 0 days | 1,933 sqft |
| 2023-01-01 | 0 days | 1,933 sqft |
| 2023-02-01 | 0 days | 1,919 sqft |
| 2023-03-01 | 0 days | 1,912 sqft |
| 2023-04-01 | 0 days | 1,824 sqft |
| 2023-05-01 | 0 days | 1,833 sqft |
| 2023-06-01 | 0 days | 1,899 sqft |
| 2023-07-01 | 0 days | 1,798 sqft |
| 2023-08-01 | 0 days | 1,703 sqft |
| 2023-09-01 | 0 days | 1,846 sqft |
| 2023-10-01 | 0 days | 1,656 sqft |
| 2023-11-01 | 0 days | 1,742 sqft |
| 2023-12-01 | 0 days | 1,846 sqft |
| 2024-01-01 | 0 days | 1,790 sqft |
| 2024-02-01 | 0 days | 1,745 sqft |
| 2024-03-01 | 0 days | 1,733 sqft |
Winnemucca's median square footage for active listings during the 2024-03-01 period was 1,733 sqft. One year prior, the average listing was 1,912 sqft.