Yuba City USDA Loan Rates, Closing Costs & Stats
YUBA CITY, 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.
Yuba City's 3 lenders originated 3 USDA loans during 2023. The total origination value was $1,035,000, with an average USDA loan value of $345,000.
Yuba City USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Yuba City
averaged
6.23%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Yuba City's average USDA mortgage closing costs are $8,099.
The average rate for the prior week (2025-02-07) was
6.39% and
one month ago for the week of 2025-01-10, the
average rate was 6.13%.
The average rate one year ago was 6.33%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.42%.
Yuba City 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 Yuba City level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| Commerce Home Mortgage, Inc. | 1 | 7.13% | $7,698 |
| Paramount Residential Mortgage Group, Inc. | 1 | 6.50% | $7,547 |
| Sierra Pacific Mortgage Company, Inc. | 1 | 5.63% | $9,969 |
The top Yuba City USDA lender as defined by loan originations is Commerce Home Mortgage, Inc., with
1 USDA loans originated. Their average total fees are
$7,698, which is $151
higher than the next largest lender,
Paramount Residential Mortgage Group, Inc..
The lowest fee Yuba City USDA lenders (with over 10 loans originated) are
.
The lowest rate Yuba City USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Yuba City (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 | $299,900 (9.9%) | $357,671 (6.7%) | 1.11 | 328 |
| 2018-02-01 | $305,011 (5.6%) | $360,799 (6.5%) | 1.11 | 320 |
| 2018-03-01 | $316,750 (8.7%) | $371,416 (10.0%) | 1.12 | 306 |
| 2018-04-01 | $331,250 (11.5%) | $383,797 (9.2%) | 1.13 | 324 |
| 2018-05-01 | $329,000 (11.0%) | $384,538 (6.3%) | 1.10 | 363 |
| 2018-06-01 | $328,850 (9.6%) | $382,254 (5.5%) | 1.10 | 390 |
| 2018-07-01 | $320,963 (7.0%) | $367,120 (1.4%) | 1.07 | 443 |
| 2018-08-01 | $317,475 (6.2%) | $359,482 (0.3%) | 1.06 | 490 |
| 2018-09-01 | $319,900 (7.0%) | $366,818 (4.3%) | 1.08 | 499 |
| 2018-10-01 | $312,500 (5.9%) | $364,765 (5.8%) | 1.06 | 500 |
| 2018-11-01 | $306,725 (4.0%) | $358,956 (3.5%) | 1.04 | 463 |
| 2018-12-01 | $300,000 (1.7%) | $348,567 (-0.8%) | 1.03 | 378 |
| 2019-01-01 | $299,950 (0.0%) | $354,149 (-1.0%) | 1.04 | 316 |
| 2019-02-01 | $312,450 (2.4%) | $377,542 (4.6%) | 1.06 | 317 |
| 2019-03-01 | $322,959 (2.0%) | $392,108 (5.6%) | 1.06 | 306 |
| 2019-04-01 | $328,639 (-0.8%) | $393,605 (2.6%) | 1.04 | 317 |
| 2019-05-01 | $327,425 (-0.5%) | $401,301 (4.4%) | 1.02 | 364 |
| 2019-06-01 | $334,900 (1.8%) | $393,127 (2.8%) | 1.04 | 388 |
| 2019-07-01 | $335,000 (4.4%) | $395,106 (7.6%) | 1.05 | 420 |
| 2019-08-01 | $331,636 (4.5%) | $380,067 (5.7%) | 1.05 | 424 |
| 2019-09-01 | $329,591 (3.0%) | $370,612 (1.0%) | 1.05 | 420 |
| 2019-10-01 | $331,702 (6.1%) | $367,430 (0.7%) | 1.07 | 397 |
| 2019-11-01 | $339,000 (10.5%) | $379,836 (5.8%) | 1.11 | 384 |
| 2019-12-01 | $329,950 (10.0%) | $393,866 (13.0%) | 1.10 | 316 |
| 2020-01-01 | $333,250 (11.1%) | $381,398 (7.7%) | 1.11 | 284 |
| 2020-02-01 | $349,999 (12.0%) | $395,475 (4.8%) | 1.15 | 287 |
| 2020-03-01 | $359,975 (11.5%) | $416,798 (6.3%) | 1.13 | 300 |
| 2020-04-01 | $360,000 (9.5%) | $418,794 (6.4%) | 1.13 | 299 |
| 2020-05-01 | $389,475 (19.0%) | $445,558 (11.0%) | 1.18 | 250 |
| 2020-06-01 | $386,900 (15.5%) | $439,568 (11.8%) | 1.14 | 219 |
| 2020-07-01 | $386,475 (15.4%) | $445,305 (12.7%) | 1.12 | 200 |
| 2020-08-01 | $375,000 (13.1%) | $441,066 (16.1%) | 1.07 | 190 |
| 2020-09-01 | $392,500 (19.1%) | $453,492 (22.4%) | 1.12 | 170 |
| 2020-10-01 | $385,000 (16.1%) | $457,886 (24.6%) | 1.10 | 189 |
| 2020-11-01 | $402,000 (18.6%) | $455,020 (19.8%) | 1.18 | 157 |
| 2020-12-01 | $404,400 (22.6%) | $448,803 (14.0%) | 1.20 | 136 |
| 2021-01-01 | $399,900 (20.0%) | $482,044 (26.4%) | 1.19 | 100 |
| 2021-02-01 | $402,475 (15.0%) | $502,939 (27.2%) | 1.17 | 115 |
| 2021-03-01 | $407,500 (13.2%) | $502,750 (20.6%) | 1.16 | 116 |
| 2021-04-01 | $405,000 (12.5%) | $491,753 (17.4%) | 1.10 | 140 |
| 2021-05-01 | $419,900 (7.8%) | $506,822 (13.8%) | 1.12 | 138 |
| 2021-06-01 | $432,500 (11.8%) | $559,511 (27.3%) | 1.14 | 182 |
| 2021-07-01 | $429,900 (11.2%) | $540,832 (21.5%) | 1.13 | 212 |
| 2021-08-01 | $417,475 (11.3%) | $504,225 (14.3%) | 1.11 | 204 |
| 2021-09-01 | $422,500 (7.6%) | $505,573 (11.5%) | 1.13 | 222 |
| 2021-10-01 | $429,995 (11.7%) | $521,346 (13.9%) | 1.15 | 226 |
| 2021-11-01 | $440,450 (9.6%) | $533,278 (17.2%) | 1.18 | 223 |
| 2021-12-01 | $443,000 (9.6%) | $514,124 (14.6%) | 1.20 | 166 |
| 2022-01-01 | $452,500 (13.2%) | $524,805 (8.9%) | 1.22 | 148 |
| 2022-02-01 | $474,950 (18.0%) | $532,033 (5.8%) | 1.24 | 150 |
| 2022-03-01 | $477,000 (17.1%) | $537,959 (7.0%) | 1.19 | 178 |
| 2022-04-01 | $475,000 (17.3%) | $529,955 (7.8%) | 1.13 | 212 |
| 2022-05-01 | $492,890 (17.4%) | $528,117 (4.2%) | 1.13 | 272 |
| 2022-06-01 | $480,117 (11.0%) | $532,822 (-4.8%) | 1.07 | 328 |
| 2022-07-01 | $470,000 (9.3%) | $524,666 (-3.0%) | 1.06 | 373 |
| 2022-08-01 | $459,900 (10.2%) | $516,903 (2.5%) | 1.06 | 432 |
| 2022-09-01 | $455,000 (7.7%) | $508,772 (0.6%) | 1.06 | 422 |
| 2022-10-01 | $451,500 (5.0%) | $504,582 (-3.2%) | 1.06 | 403 |
| 2022-11-01 | $457,750 (3.9%) | $514,050 (-3.6%) | 1.10 | 376 |
| 2022-12-01 | $452,900 (2.2%) | $512,768 (-0.3%) | 1.12 | 321 |
| 2023-01-01 | $459,900 (1.6%) | $511,818 (-2.5%) | 1.14 | 279 |
| 2023-02-01 | $459,725 (-3.2%) | $508,514 (-4.4%) | 1.11 | 279 |
| 2023-03-01 | $472,475 (-1.0%) | $523,697 (-2.7%) | 1.11 | 262 |
| 2023-04-01 | $475,000 (0.0%) | $538,148 (1.6%) | 1.10 | 209 |
| 2023-05-01 | $469,875 (-4.7%) | $538,921 (2.1%) | 1.07 | 209 |
| 2023-06-01 | $479,500 (-0.1%) | $553,010 (3.8%) | 1.08 | 216 |
| 2023-07-01 | $479,000 (1.9%) | $537,840 (2.5%) | 1.09 | 225 |
| 2023-08-01 | $469,225 (2.0%) | $516,377 (-0.1%) | 1.08 | 230 |
| 2023-09-01 | $469,000 (3.1%) | $510,580 (0.4%) | 1.09 | 245 |
| 2023-10-01 | $459,875 (1.9%) | $507,553 (0.6%) | 1.08 | 255 |
| 2023-11-01 | $471,950 (3.1%) | $497,881 (-3.2%) | 1.12 | 259 |
| 2023-12-01 | $459,999 (1.6%) | $487,451 (-4.9%) | 1.12 | 242 |
| 2024-01-01 | $462,000 (0.5%) | $478,860 (-6.4%) | 1.13 | 220 |
| 2024-02-01 | $465,444 (1.2%) | $482,334 (-5.2%) | 1.12 | 205 |
| 2024-03-01 | $467,000 (-1.2%) | $481,521 (-8.1%) | 1.10 | 229 |
| 2024-04-01 | $469,356 (-1.2%) | $498,365 (-7.4%) | 1.09 | 264 |
| 2024-05-01 | $480,000 (2.2%) | $510,886 (-5.2%) | 1.09 | 298 |
| 2024-06-01 | $478,990 (-0.1%) | $522,397 (-5.5%) | 1.08 | 339 |
| 2024-07-01 | $475,082 (-0.8%) | $518,390 (-3.6%) | 1.09 | 340 |
| 2024-08-01 | $480,000 (2.3%) | $525,251 (1.7%) | 1.12 | 348 |
| 2024-09-01 | $484,950 (3.4%) | $523,342 (2.5%) | 1.14 | 355 |
| 2024-10-01 | $480,975 (4.6%) | $514,031 (1.3%) | 1.13 | 386 |
| 2024-11-01 | $484,450 (2.7%) | $504,717 (1.4%) | 1.16 | 394 |
| 2024-12-01 | $488,725 (6.2%) | $514,755 (5.6%) | 1.21 | 346 |
| 2025-01-01 | $478,950 (3.7%) | $504,610 (5.4%) | 0.00 | 307 |
Yuba City's median listing price comes in at 0% of the national average.
Yuba City's average listing price for 2025-01-01 was $504,610, a difference of $25,750 (5.4%) versus the prior year and $-10,145 versus the prior month.
For the 2025-01-01 period, Yuba City had 307 MLS listings, a difference of -39 listings (-11%) versus the prior month and 87 listings (40%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Yuba City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 69 days | 1,841 sqft |
| 2018-02-01 | 61 days | 1,847 sqft |
| 2018-03-01 | 47 days | 1,873 sqft |
| 2018-04-01 | 43 days | 1,883 sqft |
| 2018-05-01 | 38 days | 1,887 sqft |
| 2018-06-01 | 41 days | 1,853 sqft |
| 2018-07-01 | 40 days | 1,807 sqft |
| 2018-08-01 | 43 days | 1,786 sqft |
| 2018-09-01 | 52 days | 1,829 sqft |
| 2018-10-01 | 55 days | 1,785 sqft |
| 2018-11-01 | 57 days | 1,719 sqft |
| 2018-12-01 | 66 days | 1,712 sqft |
| 2019-01-01 | 61 days | 1,639 sqft |
| 2019-02-01 | 52 days | 1,678 sqft |
| 2019-03-01 | 47 days | 1,687 sqft |
| 2019-04-01 | 43 days | 1,692 sqft |
| 2019-05-01 | 38 days | 1,681 sqft |
| 2019-06-01 | 44 days | 1,728 sqft |
| 2019-07-01 | 46 days | 1,736 sqft |
| 2019-08-01 | 50 days | 1,744 sqft |
| 2019-09-01 | 55 days | 1,760 sqft |
| 2019-10-01 | 58 days | 1,791 sqft |
| 2019-11-01 | 58 days | 1,867 sqft |
| 2019-12-01 | 72 days | 1,826 sqft |
| 2020-01-01 | 73 days | 1,853 sqft |
| 2020-02-01 | 47 days | 1,865 sqft |
| 2020-03-01 | 45 days | 1,895 sqft |
| 2020-04-01 | 52 days | 1,865 sqft |
| 2020-05-01 | 71 days | 2,033 sqft |
| 2020-06-01 | 75 days | 2,006 sqft |
| 2020-07-01 | 73 days | 1,933 sqft |
| 2020-08-01 | 48 days | 1,906 sqft |
| 2020-09-01 | 44 days | 1,990 sqft |
| 2020-10-01 | 44 days | 1,865 sqft |
| 2020-11-01 | 51 days | 1,861 sqft |
| 2020-12-01 | 63 days | 1,837 sqft |
| 2021-01-01 | 54 days | 1,812 sqft |
| 2021-02-01 | 27 days | 1,828 sqft |
| 2021-03-01 | 33 days | 1,805 sqft |
| 2021-04-01 | 26 days | 1,861 sqft |
| 2021-05-01 | 29 days | 1,850 sqft |
| 2021-06-01 | 25 days | 1,788 sqft |
| 2021-07-01 | 27 days | 1,750 sqft |
| 2021-08-01 | 38 days | 1,656 sqft |
| 2021-09-01 | 37 days | 1,661 sqft |
| 2021-10-01 | 38 days | 1,716 sqft |
| 2021-11-01 | 42 days | 1,754 sqft |
| 2021-12-01 | 51 days | 1,759 sqft |
| 2022-01-01 | 49 days | 1,791 sqft |
| 2022-02-01 | 32 days | 1,760 sqft |
| 2022-03-01 | 25 days | 1,806 sqft |
| 2022-04-01 | 26 days | 1,754 sqft |
| 2022-05-01 | 29 days | 1,846 sqft |
| 2022-06-01 | 32 days | 1,834 sqft |
| 2022-07-01 | 40 days | 1,790 sqft |
| 2022-08-01 | 47 days | 1,784 sqft |
| 2022-09-01 | 48 days | 1,794 sqft |
| 2022-10-01 | 54 days | 1,818 sqft |
| 2022-11-01 | 62 days | 1,802 sqft |
| 2022-12-01 | 69 days | 1,756 sqft |
| 2023-01-01 | 74 days | 1,801 sqft |
| 2023-02-01 | 54 days | 1,789 sqft |
| 2023-03-01 | 53 days | 1,853 sqft |
| 2023-04-01 | 50 days | 1,866 sqft |
| 2023-05-01 | 38 days | 1,870 sqft |
| 2023-06-01 | 39 days | 1,947 sqft |
| 2023-07-01 | 46 days | 1,924 sqft |
| 2023-08-01 | 45 days | 1,905 sqft |
| 2023-09-01 | 40 days | 1,900 sqft |
| 2023-10-01 | 47 days | 1,878 sqft |
| 2023-11-01 | 52 days | 1,867 sqft |
| 2023-12-01 | 52 days | 1,810 sqft |
| 2024-01-01 | 58 days | 1,784 sqft |
| 2024-02-01 | 58 days | 1,787 sqft |
| 2024-03-01 | 44 days | 1,780 sqft |
| 2024-04-01 | 41 days | 1,818 sqft |
| 2024-05-01 | 35 days | 1,837 sqft |
| 2024-06-01 | 39 days | 1,832 sqft |
| 2024-07-01 | 46 days | 1,818 sqft |
| 2024-08-01 | 50 days | 1,837 sqft |
| 2024-09-01 | 51 days | 1,859 sqft |
| 2024-10-01 | 47 days | 1,865 sqft |
| 2024-11-01 | 52 days | 1,871 sqft |
| 2024-12-01 | 70 days | 1,882 sqft |
| 2025-01-01 | 0 days | 1,845 sqft |
Yuba City's median square footage for active listings during the 2025-01-01 period was 1,845 sqft. One year prior, the average listing was 1,784 sqft.