Bozeman USDA Loan Rates, Closing Costs & Stats
Bozeman, MT
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.
Bozeman USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Bozeman
averaged
-0.29%
for the week of 2024-11-29, compared to the national average (all USDA variants) of
0% for the same period.
Bozeman's average USDA mortgage closing costs are $7,096.
The average rate for the prior week (2024-11-22) was
6.52% and
one month ago for the week of 2024-10-25, the
average rate was 6.32%.
The average rate one year ago was 7.02%.
For refis of the same type during the week of 2024-11-29, the average rate
was -0.1%.
Bozeman 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 Bozeman level.
Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
---|
The lowest fee Bozeman USDA lenders (with over 10 loans originated) are
.
The lowest rate Bozeman USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Bozeman (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $581,900 (-0.3%) | $1,050,338 (-8.2%) | 0.00 | 617 |
2018-02-01 | $598,225 (1.1%) | $1,029,678 (-10.7%) | 0.00 | 598 |
2018-03-01 | $612,500 (9.7%) | $1,006,336 (-9.7%) | 0.00 | 569 |
2018-04-01 | $597,000 (-0.3%) | $961,326 (-15.7%) | 0.00 | 554 |
2018-05-01 | $591,925 (-5.6%) | $958,986 (-12.1%) | 0.00 | 573 |
2018-06-01 | $595,000 (0.5%) | $972,574 (-5.0%) | 0.00 | 663 |
2018-07-01 | $554,500 (-6.8%) | $933,980 (-10.9%) | 0.00 | 741 |
2018-08-01 | $534,463 (-6.9%) | $907,720 (-11.3%) | 0.00 | 754 |
2018-09-01 | $499,000 (-16.1%) | $887,255 (-15.0%) | 0.00 | 758 |
2018-10-01 | $485,750 (-19.0%) | $877,310 (-17.5%) | 0.00 | 744 |
2018-11-01 | $492,450 (-13.4%) | $918,089 (-11.5%) | 0.00 | 682 |
2018-12-01 | $499,900 (-13.4%) | $959,959 (-7.3%) | 0.00 | 654 |
2019-01-01 | $549,250 (-5.6%) | $1,069,816 (1.9%) | 0.00 | 597 |
2019-02-01 | $571,350 (-4.5%) | $1,085,527 (5.4%) | 0.00 | 561 |
2019-03-01 | $585,100 (-4.5%) | $1,096,955 (9.0%) | 0.00 | 557 |
2019-04-01 | $599,900 (0.5%) | $1,097,650 (14.2%) | 0.00 | 561 |
2019-05-01 | $599,450 (1.3%) | $1,054,601 (10.0%) | 0.00 | 593 |
2019-06-01 | $599,950 (0.8%) | $1,046,135 (7.6%) | 0.00 | 662 |
2019-07-01 | $607,363 (9.5%) | $1,063,479 (13.9%) | 0.00 | 729 |
2019-08-01 | $635,691 (18.9%) | $1,082,346 (19.2%) | 0.00 | 764 |
2019-09-01 | $615,052 (23.3%) | $1,076,289 (21.3%) | 0.00 | 781 |
2019-10-01 | $599,450 (23.4%) | $1,079,393 (23.0%) | 0.00 | 789 |
2019-11-01 | $599,000 (21.6%) | $1,103,537 (20.2%) | 0.00 | 732 |
2019-12-01 | $592,450 (18.5%) | $1,131,483 (17.9%) | 0.00 | 682 |
2020-01-01 | $607,450 (10.6%) | $1,220,964 (14.1%) | 0.00 | 628 |
2020-02-01 | $669,700 (17.2%) | $1,270,150 (17.0%) | 0.00 | 583 |
2020-03-01 | $643,225 (9.9%) | $1,229,442 (12.1%) | 0.00 | 588 |
2020-04-01 | $604,000 (0.7%) | $1,200,537 (9.4%) | 0.00 | 660 |
2020-05-01 | $619,000 (3.3%) | $1,221,338 (15.8%) | 0.00 | 691 |
2020-06-01 | $727,000 (21.2%) | $1,331,907 (27.3%) | 0.00 | 665 |
2020-07-01 | $777,000 (27.9%) | $1,416,029 (33.2%) | 0.00 | 580 |
2020-08-01 | $819,900 (29.0%) | $1,481,117 (36.8%) | 0.00 | 495 |
2020-09-01 | $959,500 (56.0%) | $1,685,507 (56.6%) | 0.00 | 373 |
2020-10-01 | $954,750 (59.3%) | $1,741,304 (61.3%) | 0.00 | 319 |
2020-11-01 | $1,120,663 (87.1%) | $1,934,802 (75.3%) | 0.00 | 263 |
2020-12-01 | $1,188,250 (100.6%) | $2,039,610 (80.3%) | 0.00 | 252 |
2021-01-01 | $1,300,000 (114.0%) | $2,237,352 (83.2%) | 0.00 | 219 |
2021-02-01 | $1,296,250 (93.6%) | $2,329,144 (83.4%) | 0.00 | 202 |
2021-03-01 | $1,053,750 (63.8%) | $2,158,491 (75.6%) | 0.00 | 185 |
2021-04-01 | $949,500 (57.2%) | $2,037,895 (69.8%) | 0.00 | 183 |
2021-05-01 | $1,099,000 (77.5%) | $2,067,993 (69.3%) | 0.00 | 206 |
2021-06-01 | $964,975 (32.7%) | $1,880,699 (41.2%) | 0.00 | 280 |
2021-07-01 | $949,950 (22.3%) | $1,883,053 (33.0%) | 0.00 | 317 |
2021-08-01 | $860,000 (4.9%) | $1,799,526 (21.5%) | 0.00 | 341 |
2021-09-01 | $872,250 (-9.1%) | $2,044,492 (21.3%) | 0.00 | 334 |
2021-10-01 | $950,000 (-0.5%) | $2,121,536 (21.8%) | 0.00 | 281 |
2021-11-01 | $1,288,500 (15.0%) | $2,734,004 (41.3%) | 0.00 | 225 |
2021-12-01 | $1,516,250 (27.6%) | $2,994,937 (46.8%) | 0.00 | 181 |
2022-01-01 | $1,849,950 (42.3%) | $3,312,909 (48.1%) | 0.00 | 152 |
2022-02-01 | $1,405,250 (8.4%) | $2,972,632 (27.6%) | 0.00 | 169 |
2022-03-01 | $1,406,000 (33.4%) | $2,648,782 (22.7%) | 0.00 | 186 |
2022-04-01 | $1,297,000 (36.6%) | $2,233,404 (9.6%) | 0.00 | 242 |
2022-05-01 | $1,046,950 (-4.7%) | $1,972,334 (-4.6%) | 0.00 | 337 |
2022-06-01 | $989,000 (2.5%) | $1,858,815 (-1.2%) | 0.00 | 456 |
2022-07-01 | $999,997 (5.3%) | $1,854,733 (-1.5%) | 0.00 | 597 |
2022-08-01 | $999,500 (16.2%) | $1,826,157 (1.5%) | 0.00 | 668 |
2022-09-01 | $998,875 (14.5%) | $1,849,016 (-9.6%) | 0.00 | 648 |
2022-10-01 | $979,900 (3.2%) | $1,813,553 (-14.5%) | 0.00 | 628 |
2022-11-01 | $975,000 (-24.3%) | $1,874,646 (-31.4%) | 0.00 | 577 |
2022-12-01 | $995,000 (-34.4%) | $1,929,297 (-35.6%) | 0.00 | 523 |
2023-01-01 | $1,095,000 (-40.8%) | $2,103,091 (-36.5%) | 0.00 | 479 |
2023-02-01 | $1,227,250 (-12.7%) | $2,206,227 (-25.8%) | 0.00 | 471 |
2023-03-01 | $1,256,250 (-10.7%) | $2,206,170 (-16.7%) | 0.00 | 459 |
2023-04-01 | $1,287,500 (-0.7%) | $2,154,307 (-3.5%) | 0.00 | 456 |
2023-05-01 | $1,238,000 (18.3%) | $2,118,535 (7.4%) | 0.00 | 468 |
2023-06-01 | $1,200,000 (21.3%) | $2,059,543 (10.8%) | 0.00 | 521 |
2023-07-01 | $1,200,000 (20.0%) | $2,201,506 (18.7%) | 0.00 | 587 |
2023-08-01 | $1,097,500 (9.8%) | $2,118,420 (16.0%) | 0.00 | 629 |
2023-09-01 | $999,750 (0.1%) | $2,152,457 (16.4%) | 0.00 | 640 |
2023-10-01 | $1,018,000 (3.9%) | $2,116,451 (16.7%) | 0.00 | 603 |
2023-11-01 | $1,074,250 (10.2%) | $2,225,737 (18.7%) | 0.00 | 555 |
2023-12-01 | $1,175,000 (18.1%) | $2,354,857 (22.1%) | 0.00 | 533 |
2024-01-01 | $1,196,000 (9.2%) | $2,478,024 (17.8%) | 0.00 | 500 |
2024-02-01 | $1,197,000 (-2.5%) | $2,463,254 (11.7%) | 0.00 | 501 |
2024-03-01 | $1,099,000 (-12.5%) | $2,388,520 (8.3%) | 0.00 | 524 |
2024-04-01 | $1,026,000 (-20.3%) | $2,228,122 (3.4%) | 0.00 | 584 |
2024-05-01 | $996,875 (-19.5%) | $2,070,706 (-2.3%) | 0.00 | 648 |
2024-06-01 | $985,000 (-17.9%) | $1,988,812 (-3.4%) | 0.00 | 753 |
2024-07-01 | $995,000 (-17.1%) | $2,039,971 (-7.3%) | 0.00 | 858 |
2024-08-01 | $988,250 (-10.0%) | $2,048,032 (-3.3%) | 0.00 | 861 |
2024-09-01 | $957,000 (-4.3%) | $2,026,536 (-5.9%) | 0.00 | 850 |
2024-10-01 | $941,125 (-7.6%) | $2,023,706 (-4.4%) | 0.00 | 819 |
Bozeman's median listing price comes in at 0% of the national average.
Bozeman's average listing price for 2024-10-01 was $2,023,706, a difference of $-92,745 (-4.4%) versus the prior year and $-2,830 versus the prior month.
For the 2024-10-01 period, Bozeman had 819 MLS listings, a difference of -31 listings (-4%) versus the prior month and 216 listings (36%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Bozeman (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 2,353 sqft |
2018-02-01 | 0 days | 2,306 sqft |
2018-03-01 | 0 days | 2,349 sqft |
2018-04-01 | 0 days | 2,355 sqft |
2018-05-01 | 0 days | 2,405 sqft |
2018-06-01 | 0 days | 2,528 sqft |
2018-07-01 | 0 days | 2,546 sqft |
2018-08-01 | 0 days | 2,442 sqft |
2018-09-01 | 0 days | 2,310 sqft |
2018-10-01 | 0 days | 2,238 sqft |
2018-11-01 | 0 days | 2,289 sqft |
2018-12-01 | 0 days | 2,310 sqft |
2019-01-01 | 0 days | 2,314 sqft |
2019-02-01 | 0 days | 2,335 sqft |
2019-03-01 | 0 days | 2,354 sqft |
2019-04-01 | 0 days | 2,378 sqft |
2019-05-01 | 0 days | 2,346 sqft |
2019-06-01 | 0 days | 2,379 sqft |
2019-07-01 | 0 days | 2,382 sqft |
2019-08-01 | 0 days | 2,386 sqft |
2019-09-01 | 0 days | 2,334 sqft |
2019-10-01 | 0 days | 2,301 sqft |
2019-11-01 | 0 days | 2,285 sqft |
2019-12-01 | 0 days | 2,245 sqft |
2020-01-01 | 0 days | 2,236 sqft |
2020-02-01 | 0 days | 2,256 sqft |
2020-03-01 | 0 days | 2,255 sqft |
2020-04-01 | 0 days | 2,208 sqft |
2020-05-01 | 0 days | 2,237 sqft |
2020-06-01 | 0 days | 2,354 sqft |
2020-07-01 | 0 days | 2,433 sqft |
2020-08-01 | 0 days | 2,478 sqft |
2020-09-01 | 0 days | 2,526 sqft |
2020-10-01 | 0 days | 2,539 sqft |
2020-11-01 | 0 days | 2,540 sqft |
2020-12-01 | 0 days | 2,503 sqft |
2021-01-01 | 0 days | 2,586 sqft |
2021-02-01 | 0 days | 2,698 sqft |
2021-03-01 | 0 days | 2,735 sqft |
2021-04-01 | 0 days | 2,695 sqft |
2021-05-01 | 0 days | 2,773 sqft |
2021-06-01 | 0 days | 2,591 sqft |
2021-07-01 | 0 days | 2,525 sqft |
2021-08-01 | 0 days | 2,370 sqft |
2021-09-01 | 0 days | 2,381 sqft |
2021-10-01 | 0 days | 2,428 sqft |
2021-11-01 | 0 days | 2,861 sqft |
2021-12-01 | 0 days | 2,998 sqft |
2022-01-01 | 0 days | 3,087 sqft |
2022-02-01 | 0 days | 2,567 sqft |
2022-03-01 | 0 days | 2,429 sqft |
2022-04-01 | 0 days | 2,139 sqft |
2022-05-01 | 0 days | 2,243 sqft |
2022-06-01 | 0 days | 2,226 sqft |
2022-07-01 | 0 days | 2,301 sqft |
2022-08-01 | 0 days | 2,272 sqft |
2022-09-01 | 0 days | 2,343 sqft |
2022-10-01 | 0 days | 2,376 sqft |
2022-11-01 | 0 days | 2,350 sqft |
2022-12-01 | 0 days | 2,389 sqft |
2023-01-01 | 0 days | 2,402 sqft |
2023-02-01 | 0 days | 2,374 sqft |
2023-03-01 | 0 days | 2,400 sqft |
2023-04-01 | 0 days | 2,346 sqft |
2023-05-01 | 0 days | 2,352 sqft |
2023-06-01 | 0 days | 2,383 sqft |
2023-07-01 | 0 days | 2,440 sqft |
2023-08-01 | 0 days | 2,390 sqft |
2023-09-01 | 0 days | 2,345 sqft |
2023-10-01 | 0 days | 2,316 sqft |
2023-11-01 | 0 days | 2,198 sqft |
2023-12-01 | 0 days | 2,176 sqft |
2024-01-01 | 0 days | 2,148 sqft |
2024-02-01 | 0 days | 2,102 sqft |
2024-03-01 | 0 days | 2,065 sqft |
2024-04-01 | 0 days | 2,091 sqft |
2024-05-01 | 0 days | 2,069 sqft |
2024-06-01 | 0 days | 2,161 sqft |
2024-07-01 | 0 days | 2,173 sqft |
2024-08-01 | 0 days | 2,204 sqft |
2024-09-01 | 0 days | 2,198 sqft |
2024-10-01 | 0 days | 2,198 sqft |
Bozeman's median square footage for active listings during the 2024-10-01 period was 2,198 sqft. One year prior, the average listing was 2,316 sqft.