Astoria USDA Loan Rates, Closing Costs & Stats

Astoria, OR

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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.

    Astoria's 2 lenders originated 2 USDA loans during 2023. The total origination value was $700,000, with an average USDA loan value of $350,000.

    Astoria USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Astoria averaged 6.17% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Astoria's average USDA mortgage closing costs are $7,577.

    The average rate for the prior week (2024-12-06) was 6.3% and one month ago for the week of 2024-11-08, the average rate was 6.52%.

    The average rate one year ago was 6.89%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.4%.

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

    Astoria 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 Astoria level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Golden Empire Mortgage, Inc. 1 6.99% $9,191
    Paramount Residential Mortgage Group, Inc. 1 6.00% $10,273

    The top Astoria USDA lender as defined by loan originations is Golden Empire Mortgage, Inc., with 1 USDA loans originated. Their average total fees are $9,191, which is $1,082 lower than the next largest lender, Paramount Residential Mortgage Group, Inc..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Astoria (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 $372,238 (0.5%) $521,807 (6.7%) 0.00 303
    2018-02-01 $371,950 (3.7%) $521,857 (10.9%) 0.00 303
    2018-03-01 $399,000 (12.5%) $562,813 (16.2%) 0.00 314
    2018-04-01 $424,500 (17.9%) $563,682 (11.9%) 0.00 326
    2018-05-01 $444,000 (27.1%) $562,545 (15.4%) 0.00 352
    2018-06-01 $435,000 (23.5%) $546,302 (8.9%) 0.00 370
    2018-07-01 $432,125 (20.5%) $540,170 (4.6%) 0.00 390
    2018-08-01 $437,225 (21.5%) $555,401 (6.2%) 0.00 375
    2018-09-01 $438,500 (19.2%) $560,345 (9.3%) 0.00 361
    2018-10-01 $417,500 (11.3%) $550,996 (6.0%) 0.00 350
    2018-11-01 $410,000 (10.2%) $557,323 (5.1%) 0.00 314
    2018-12-01 $412,000 (9.9%) $566,325 (6.8%) 0.00 292
    2019-01-01 $416,450 (11.9%) $556,221 (6.6%) 0.00 258
    2019-02-01 $434,500 (16.8%) $570,116 (9.3%) 0.00 251
    2019-03-01 $449,886 (12.8%) $581,617 (3.3%) 0.00 263
    2019-04-01 $462,586 (9.0%) $590,085 (4.7%) 0.00 290
    2019-05-01 $464,150 (4.5%) $611,626 (8.7%) 0.00 315
    2019-06-01 $459,250 (5.6%) $619,204 (13.3%) 0.00 337
    2019-07-01 $458,000 (6.0%) $599,853 (11.1%) 0.00 356
    2019-08-01 $456,395 (4.4%) $608,630 (9.6%) 0.00 336
    2019-09-01 $452,489 (3.2%) $618,005 (10.3%) 0.00 308
    2019-10-01 $449,884 (7.8%) $624,255 (13.3%) 0.00 288
    2019-11-01 $449,450 (9.6%) $627,259 (12.6%) 0.00 260
    2019-12-01 $445,725 (8.2%) $619,941 (9.5%) 0.00 248
    2020-01-01 $440,713 (5.8%) $606,920 (9.1%) 0.00 220
    2020-02-01 $430,000 (-1.0%) $595,216 (4.4%) 0.00 217
    2020-03-01 $436,750 (-2.9%) $586,380 (0.8%) 0.00 237
    2020-04-01 $439,250 (-5.0%) $603,533 (2.3%) 0.00 240
    2020-05-01 $435,000 (-6.3%) $603,347 (-1.4%) 0.00 232
    2020-06-01 $437,625 (-4.7%) $619,157 (0.0%) 0.00 216
    2020-07-01 $439,000 (-4.2%) $609,459 (1.6%) 0.00 195
    2020-08-01 $450,000 (-1.4%) $636,560 (4.6%) 0.00 171
    2020-09-01 $428,000 (-5.4%) $604,082 (-2.3%) 0.00 149
    2020-10-01 $428,000 (-4.9%) $618,009 (-1.0%) 0.00 120
    2020-11-01 $434,750 (-3.3%) $631,031 (0.6%) 0.00 102
    2020-12-01 $428,000 (-4.0%) $653,165 (5.4%) 0.00 89
    2021-01-01 $466,000 (5.7%) $686,477 (13.1%) 0.00 92
    2021-02-01 $489,000 (13.7%) $688,215 (15.6%) 0.00 77
    2021-03-01 $496,425 (13.7%) $695,276 (18.6%) 0.00 72
    2021-04-01 $508,075 (15.7%) $671,669 (11.3%) 0.00 63
    2021-05-01 $575,450 (32.3%) $693,468 (14.9%) 0.00 81
    2021-06-01 $560,350 (28.0%) $695,904 (12.4%) 0.00 112
    2021-07-01 $572,400 (30.4%) $730,707 (19.9%) 0.00 120
    2021-08-01 $585,000 (30.0%) $749,766 (17.8%) 0.00 127
    2021-09-01 $612,608 (43.1%) $800,477 (32.5%) 0.00 124
    2021-10-01 $599,000 (40.0%) $802,436 (29.8%) 0.00 103
    2021-11-01 $591,225 (36.0%) $775,111 (22.8%) 0.00 92
    2021-12-01 $561,750 (31.3%) $711,789 (9.0%) 0.00 89
    2022-01-01 $549,900 (18.0%) $708,450 (3.2%) 0.00 70
    2022-02-01 $587,000 (20.0%) $768,617 (11.7%) 0.00 72
    2022-03-01 $589,000 (18.7%) $782,552 (12.6%) 0.00 67
    2022-04-01 $615,000 (21.1%) $802,974 (19.6%) 0.00 87
    2022-05-01 $642,000 (11.6%) $793,903 (14.5%) 0.00 119
    2022-06-01 $629,000 (12.3%) $768,008 (10.4%) 0.00 150
    2022-07-01 $619,000 (8.1%) $757,551 (3.7%) 0.00 176
    2022-08-01 $624,000 (6.7%) $775,966 (3.5%) 0.00 172
    2022-09-01 $619,000 (1.0%) $787,605 (-1.6%) 0.00 171
    2022-10-01 $599,000 (0.0%) $743,382 (-7.4%) 0.00 176
    2022-11-01 $599,000 (1.3%) $729,400 (-5.9%) 0.00 174
    2022-12-01 $623,000 (10.9%) $719,695 (1.1%) 0.00 133
    2023-01-01 $605,725 (10.2%) $669,788 (-5.5%) 0.00 128
    2023-02-01 $614,338 (4.7%) $684,923 (-10.9%) 0.00 116
    2023-03-01 $609,000 (3.4%) $708,487 (-9.5%) 0.00 139
    2023-04-01 $629,000 (2.3%) $774,034 (-3.6%) 0.00 146
    2023-05-01 $637,000 (-0.8%) $797,303 (0.4%) 0.00 158
    2023-06-01 $629,000 (0.0%) $814,613 (6.1%) 0.00 169
    2023-07-01 $624,999 (1.0%) $808,824 (6.8%) 0.00 190
    2023-08-01 $599,450 (-3.9%) $781,710 (0.7%) 0.00 203
    2023-09-01 $599,000 (-3.2%) $791,548 (0.5%) 0.00 200
    2023-10-01 $599,000 (0.0%) $799,419 (7.5%) 0.00 209
    2023-11-01 $572,000 (-4.5%) $788,433 (8.1%) 0.00 199
    2023-12-01 $559,000 (-10.3%) $781,212 (8.6%) 0.00 169
    2024-01-01 $596,500 (-1.5%) $806,906 (20.5%) 0.00 151
    2024-02-01 $591,950 (-3.6%) $843,651 (23.2%) 0.00 154
    2024-03-01 $625,000 (2.6%) $889,803 (25.6%) 0.00 161
    2024-04-01 $624,999 (-0.6%) $860,467 (11.2%) 0.00 170
    2024-05-01 $624,999 (-1.9%) $903,441 (13.3%) 0.00 194
    2024-06-01 $625,000 (-0.6%) $955,421 (17.3%) 0.00 215
    2024-07-01 $649,750 (4.0%) $950,549 (17.5%) 0.00 231
    2024-08-01 $650,000 (8.4%) $961,307 (23.0%) 0.00 242
    2024-09-01 $640,000 (6.8%) $930,650 (17.6%) 0.00 244
    2024-10-01 $623,749 (4.1%) $902,529 (12.9%) 0.00 240
    2024-11-01 $599,000 (4.7%) $834,024 (5.8%) 0.00 228
    Astoria's median listing price for 2024-11-01 was $599,000, a difference of $27,000 (4.7%) versus the prior year and $-24,749 versus the prior month.

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

    Astoria's average listing price for 2024-11-01 was $834,024, a difference of $45,591 (5.8%) versus the prior year and $-68,505 versus the prior month.

    For the 2024-11-01 period, Astoria had 228 MLS listings, a difference of -12 listings (-5%) versus the prior month and 29 listings (15%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Astoria (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,740 sqft
    2018-02-01 0 days 1,851 sqft
    2018-03-01 0 days 1,877 sqft
    2018-04-01 0 days 1,878 sqft
    2018-05-01 0 days 1,926 sqft
    2018-06-01 0 days 1,960 sqft
    2018-07-01 0 days 1,947 sqft
    2018-08-01 0 days 2,000 sqft
    2018-09-01 0 days 1,998 sqft
    2018-10-01 0 days 1,916 sqft
    2018-11-01 0 days 1,881 sqft
    2018-12-01 0 days 1,791 sqft
    2019-01-01 0 days 1,779 sqft
    2019-02-01 0 days 1,872 sqft
    2019-03-01 0 days 1,897 sqft
    2019-04-01 0 days 1,920 sqft
    2019-05-01 0 days 1,913 sqft
    2019-06-01 0 days 1,922 sqft
    2019-07-01 0 days 1,914 sqft
    2019-08-01 0 days 1,943 sqft
    2019-09-01 0 days 1,973 sqft
    2019-10-01 0 days 1,994 sqft
    2019-11-01 0 days 2,033 sqft
    2019-12-01 0 days 2,046 sqft
    2020-01-01 0 days 2,057 sqft
    2020-02-01 0 days 1,936 sqft
    2020-03-01 0 days 1,922 sqft
    2020-04-01 0 days 1,936 sqft
    2020-05-01 0 days 1,908 sqft
    2020-06-01 0 days 1,889 sqft
    2020-07-01 0 days 1,888 sqft
    2020-08-01 0 days 1,991 sqft
    2020-09-01 0 days 1,898 sqft
    2020-10-01 0 days 1,819 sqft
    2020-11-01 0 days 1,829 sqft
    2020-12-01 0 days 1,762 sqft
    2021-01-01 0 days 1,771 sqft
    2021-02-01 0 days 1,764 sqft
    2021-03-01 0 days 1,756 sqft
    2021-04-01 0 days 1,847 sqft
    2021-05-01 0 days 1,970 sqft
    2021-06-01 0 days 1,893 sqft
    2021-07-01 0 days 1,898 sqft
    2021-08-01 0 days 1,862 sqft
    2021-09-01 0 days 1,857 sqft
    2021-10-01 0 days 1,854 sqft
    2021-11-01 0 days 1,792 sqft
    2021-12-01 0 days 1,710 sqft
    2022-01-01 0 days 1,704 sqft
    2022-02-01 0 days 1,782 sqft
    2022-03-01 0 days 1,921 sqft
    2022-04-01 0 days 1,805 sqft
    2022-05-01 0 days 1,917 sqft
    2022-06-01 0 days 1,903 sqft
    2022-07-01 0 days 1,806 sqft
    2022-08-01 0 days 1,790 sqft
    2022-09-01 0 days 1,829 sqft
    2022-10-01 0 days 1,766 sqft
    2022-11-01 0 days 1,745 sqft
    2022-12-01 0 days 1,742 sqft
    2023-01-01 0 days 1,750 sqft
    2023-02-01 0 days 1,763 sqft
    2023-03-01 0 days 1,763 sqft
    2023-04-01 0 days 1,845 sqft
    2023-05-01 0 days 1,915 sqft
    2023-06-01 0 days 1,999 sqft
    2023-07-01 0 days 1,872 sqft
    2023-08-01 0 days 1,852 sqft
    2023-09-01 0 days 1,849 sqft
    2023-10-01 0 days 1,878 sqft
    2023-11-01 0 days 1,898 sqft
    2023-12-01 0 days 1,824 sqft
    2024-01-01 0 days 1,866 sqft
    2024-02-01 0 days 1,911 sqft
    2024-03-01 0 days 1,936 sqft
    2024-04-01 0 days 1,939 sqft
    2024-05-01 0 days 1,961 sqft
    2024-06-01 0 days 1,991 sqft
    2024-07-01 0 days 1,979 sqft
    2024-08-01 0 days 2,004 sqft
    2024-09-01 0 days 2,010 sqft
    2024-10-01 0 days 1,981 sqft
    2024-11-01 0 days 1,930 sqft
    Astoria's median listing age (time on market) for 2024-11-01 was 0 days.

    Astoria's median square footage for active listings during the 2024-11-01 period was 1,930 sqft. One year prior, the average listing was 1,898 sqft.