Farm loan rates: Farm and Land Loan Rates
The Farm and Land Loan Rates carries 11 published figures read from 3 sources' own pages; the 10 published figures given by programme run from 2 to 6.75 percent, read 12 October 2026.
- 12 to 3
- 3 to 4
- 24 to 4
- 14 to 5
- 45 to 6
- 36 to 7
Bands
| Bucket | Value |
|---|---|
| 2 to 3 | 1 figure |
| 3 to 4 | 0 figures |
| 4 to 4 | 2 figures |
| 4 to 5 | 1 figure |
| 5 to 6 | 4 figures |
| 6 to 7 | 3 figures |
3 of the 14 named sources read in full publish a figure; 11 publish none, read 12 October 2026.
By programme and month
| Breakdown | Median | Range | Sources |
|---|---|---|---|
| programmeFarm Operating - Direct | 5.25% | 5.25 to 5.25% | 1 |
| programmeGuaranteed cap, under 5 years (SOFR plus) | 6.75% | 6.75 to 6.75% | 1 |
| programmeGuaranteed cap, 5 years or more (5-year Treasury plus) | 5.5% | 5.5 to 5.5% | 1 |
| programmeRural Development Single Family Housing Direct | 5.25% | 5.25 to 5.25% | 1 |
| programmeFarm Operating - Microloan | 5.25% | 5.25 to 5.25% | 1 |
| programmeFarm Ownership - Direct | 6% | 6 to 6% | 1 |
| programmeFarm Ownership - Microloan | 6% | 6 to 6% | 1 |
| programmeFarm Ownership - Joint Financing | 4% | 4 to 4% | 1 |
| programmeFarm Ownership - Down Payment | 2% | 2 to 2% | 1 |
| programmeEmergency Loan - Actual Loss | 3.75% | 3.75 to 3.75% | 1 |
| month2026-06 | 5% | 5 to 5% | 1 |
Every figure, with its source
One row per published figure: the figure as the source's own page publishes it, the page, and the day it was read. A figure that is not on a page we read is not on this one.
| Source | Figure | Breakdown | Read |
|---|---|---|---|
| USDA FSA current loan interest rates | 6.75% | Guaranteed cap, under 5 years (SOFR plus) | 2026-10-12 |
| USDA FSA current loan interest rates | 6% | Farm Ownership - Direct | 2026-10-12 |
| USDA FSA current loan interest rates | 6% | Farm Ownership - Microloan | 2026-10-12 |
| USDA FSA current loan interest rates | 5.5% | Guaranteed cap, 5 years or more (5-year Treasury plus) | 2026-10-12 |
| USDA FSA current loan interest rates | 5.25% | Farm Operating - Direct | 2026-10-12 |
| USDA Rural Development single family housing direct loans | 5.25% | Rural Development Single Family Housing Direct | 2026-10-12 |
| USDA FSA current loan interest rates | 5.25% | Farm Operating - Microloan | 2026-10-12 |
| USDA announces June 2026 lending rates for agricultural producers | 5% | 2026-06 | 2026-10-12 |
| USDA FSA current loan interest rates | 4% | Farm Ownership - Joint Financing | 2026-10-12 |
| USDA FSA current loan interest rates | 3.75% | Emergency Loan - Actual Loss | 2026-10-12 |
| USDA FSA current loan interest rates | 2% | Farm Ownership - Down Payment | 2026-10-12 |
The sentence each figure was read from (11)
- USDA FSA current loan interest rates, read 2026-10-12:
For loans with rates variable or fixed for less than 5 years: The prior business day’s SOFR plus 6.75%.
- USDA FSA current loan interest rates, read 2026-10-12:
Farm Ownership - Direct 6.000%
- USDA FSA current loan interest rates, read 2026-10-12:
Farm Ownership - Microloan 6.000%
- USDA FSA current loan interest rates, read 2026-10-12:
For loans with rates fixed for 5 years or more: The prior business day’s 5 Year Treasury note rate plus 5.5%. *Note: If SOFR is less than 1.75%, lenders may add an additional 1% to each of the respective maximums above.
- USDA FSA current loan interest rates, read 2026-10-12:
Program Interest Rates Farm Operating - Direct 5.250%
- USDA Rural Development single family housing direct loans, read 2026-10-12:
Effective September 1, 2026, the current interest rate for Single Family Housing Direct home loans is 5.250% for low-income and very low-income borrowers.
- USDA FSA current loan interest rates, read 2026-10-12:
Farm Operating - Microloan 5.250%
- USDA announces June 2026 lending rates for agricultural producers, read 2026-10-12:
Interest rates for Operating and Ownership loans for June 2026 are as follows: Farm Operating Loans (Direct): 5.000%
- USDA FSA current loan interest rates, read 2026-10-12:
Farm Ownership - Direct, Joint Financing 4.000%
- USDA FSA current loan interest rates, read 2026-10-12:
Emergency Loan - Amount of Actual Loss 3.750%
- USDA FSA current loan interest rates, read 2026-10-12:
Farm Ownership - Down Payment 2.000%
Read in full, publishes no figure
11 named sources were read in full on the dates shown and print no usable figure. They are counted, never filled in.
- USDA FSA farm loan programmes rate table, read 2026-09-12: every candidate on the page was refused
- USDA FSA farm ownership loans, read 2026-10-12: every candidate on the page was refused
- Farmers.gov farm loans, read 2026-09-12: every candidate on the page was refused
- Farm Credit Administration, read 2026-10-12: read in full and no accepted figure on the page
- USDA Economic Research Service farm sector income and finances, read 2026-10-12: read in full and no accepted figure on the page
- Farm Credit Services of America land refinancing, read 2026-10-12: every candidate on the page was refused
- Farm Credit Services of America land loans, read 2026-10-12: every candidate on the page was refused
- Texas Farm Credit land refinancing, read 2026-10-12: read in full and no accepted figure on the page
- Mossy Oak Properties land loan rates and options, read 2026-09-12: every candidate on the page was refused
- LendingTree land loans, read 2026-10-12: every candidate on the page was refused
- Mississippi State University Extension on the Farm Credit System, read 2026-10-12: every candidate on the page was refused
Methodology
Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2).
3 of the 14 named sources that could be read published a usable figure; 11 published none and are recorded as not published, never filled in; 1 could not be read (blocked, dead or unreachable) and count nowhere.
The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source for each breakdown it prices, in % (a source's median where its page yielded several accepted sentences for one breakdown), so a page that gives figures for several breakdowns gives one for each and N counts 11 figures, never sentences; 52 candidate sentence(s) were refused by a reviewer with the reason recorded.
The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): one row per programme per loan type per month, quoted from the authority that sets it - the Farm Service Agency's monthly lending-rate notice for the direct programmes, the statutory formula for the guaranteed cap (SOFR plus a stated spread, or the five-year Treasury plus a stated spread), and the Farm Credit associations' published land terms beside them - so the SERIES is the product: what a farm ownership loan has cost month by month, and the spread between the government programme rate and what a Farm Credit or commercial lender offers on the same land.
The FSA publishes this month; nobody publishes the run of months as a series a borrower can time a refinance against.
52 candidate sentences on these pages were refused by a reviewer; each refusal and its reason is recorded in the review ledger.
Sources (15)
- USDA FSA current loan interest rates(the publisher's own terms; quoted for reporting and comment)
- USDA FSA farm loan programmes rate table(the publisher's own terms; quoted for reporting and comment)
- USDA announces June 2026 lending rates for agricultural producers(the publisher's own terms; quoted for reporting and comment)
- USDA FSA farm ownership loans(the publisher's own terms; quoted for reporting and comment)
- Farmers.gov farm loans(the publisher's own terms; quoted for reporting and comment)
- USDA Rural Development single family housing direct loans(the publisher's own terms; quoted for reporting and comment)
- Farm Credit Administration(the publisher's own terms; quoted for reporting and comment)
- USDA Economic Research Service farm sector income and finances(the publisher's own terms; quoted for reporting and comment)
- Farm Credit Services of America land refinancing(the publisher's own terms; quoted for reporting and comment)
- Farm Credit Services of America land loans(the publisher's own terms; quoted for reporting and comment)
- Texas Farm Credit land refinancing(the publisher's own terms; quoted for reporting and comment)
- Eglin Federal Credit Union land and construction financing(the publisher's own terms; quoted for reporting and comment)
- Mossy Oak Properties land loan rates and options(the publisher's own terms; quoted for reporting and comment)
- LendingTree land loans(the publisher's own terms; quoted for reporting and comment)
- Mississippi State University Extension on the Farm Credit System(the publisher's own terms; quoted for reporting and comment)
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The Farm and Land Loan Rates carries 11 published figures read from 3 sources' own pages; the 10 published figures given by programme run from 2 to 6.75 percent, read 12 October 2026.
3 of the 14 named sources read in full publish a figure; 11 publish none, read 12 October 2026.
Farm and Land Loan Rates, programme Farm Operating - Direct: median 5.25 percent across 1 source, read 12 October 2026.
Farm and Land Loan Rates, programme Guaranteed cap, under 5 years (SOFR plus): median 6.75 percent across 1 source, read 12 October 2026.
Farm and Land Loan Rates, programme Guaranteed cap, 5 years or more (5-year Treasury plus): median 5.50 percent across 1 source, read 12 October 2026.
Farm and Land Loan Rates, programme Rural Development Single Family Housing Direct: median 5.25 percent across 1 source, read 12 October 2026.
Farm and Land Loan Rates, programme Farm Operating - Microloan: median 5.25 percent across 1 source, read 12 October 2026.
Farm and Land Loan Rates, programme Farm Ownership - Direct: median 6 percent across 1 source, read 12 October 2026.
Farm and Land Loan Rates, programme Farm Ownership - Microloan: median 6 percent across 1 source, read 12 October 2026.
Farm and Land Loan Rates, programme Farm Ownership - Joint Financing: median 4 percent across 1 source, read 12 October 2026.
Farm and Land Loan Rates, programme Farm Ownership - Down Payment: median 2 percent across 1 source, read 12 October 2026.
Farm and Land Loan Rates, programme Emergency Loan - Actual Loss: median 3.75 percent across 1 source, read 12 October 2026.
Farm and Land Loan Rates, month 2026-06: median 5 percent across 1 source, read 12 October 2026.
Cite as: "Commercial Refinance Quotes Farm and Land Loan Rates", updated 2026-10-19, https://commercialrefinancequotes.com/datasets/farm-and-land-loan-rates/.
Download the CSV (11 rows, computed 2026-10-19)