Bremerton USDA Loan Rates, Closing Costs & Stats
BREMERTON-SILVERDALE-PORT ORCHARD, WA
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.
Bremerton's 2 lenders originated 2 USDA loans during 2024. The total origination value was $1,030,000, with an average USDA loan value of $515,000.
Bremerton USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Bremerton
averaged
0.01%
for the week of 2025-07-04, compared to the national average (all USDA variants) of
0% for the same period.
Bremerton's average USDA mortgage closing costs are $7,709.
The average rate for the prior week (2025-06-27) was
6.44% and
one month ago for the week of 2025-05-30, the
average rate was 6.63%.
The average rate one year ago was 6.42%.
For refis of the same type during the week of 2025-07-04, the average rate
was -0.69%.
Bremerton 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 Bremerton level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 1 | 5.25% | $8,462 |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | 6.25% | $21,674 |
The top Bremerton USDA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with
1 USDA loans originated. Their average total fees are
$8,462, which is $13,212
lower than the next largest lender,
HOMEBRIDGE FINANCIAL SERVICES, INC..
The lowest fee Bremerton USDA lenders (with over 10 loans originated) are
.
The lowest rate Bremerton USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Bremerton (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 | $400,374 (14.6%) | $528,023 (12.3%) | 1.48 | 341 |
| 2018-02-01 | $404,794 (14.0%) | $527,465 (9.5%) | 1.47 | 328 |
| 2018-03-01 | $399,888 (7.7%) | $523,174 (3.1%) | 1.40 | 320 |
| 2018-04-01 | $422,250 (5.8%) | $584,378 (6.5%) | 1.43 | 332 |
| 2018-05-01 | $455,495 (13.9%) | $616,063 (7.2%) | 1.52 | 424 |
| 2018-06-01 | $433,000 (8.3%) | $589,054 (3.2%) | 1.44 | 475 |
| 2018-07-01 | $439,500 (10.2%) | $585,513 (5.6%) | 1.47 | 549 |
| 2018-08-01 | $427,000 (5.1%) | $569,025 (2.4%) | 1.43 | 623 |
| 2018-09-01 | $409,975 (5.4%) | $539,643 (-0.2%) | 1.38 | 679 |
| 2018-10-01 | $414,444 (10.7%) | $545,652 (3.1%) | 1.40 | 663 |
| 2018-11-01 | $409,894 (13.5%) | $539,779 (5.6%) | 1.39 | 587 |
| 2018-12-01 | $409,900 (9.3%) | $528,300 (-1.1%) | 1.41 | 492 |
| 2019-01-01 | $415,944 (3.9%) | $521,598 (-1.2%) | 1.44 | 409 |
| 2019-02-01 | $444,995 (9.9%) | $554,403 (5.1%) | 1.50 | 384 |
| 2019-03-01 | $467,601 (16.9%) | $589,697 (12.7%) | 1.53 | 383 |
| 2019-04-01 | $476,291 (12.8%) | $630,683 (7.9%) | 1.51 | 425 |
| 2019-05-01 | $472,450 (3.7%) | $649,878 (5.5%) | 1.48 | 511 |
| 2019-06-01 | $485,000 (12.0%) | $689,689 (17.1%) | 1.52 | 542 |
| 2019-07-01 | $488,688 (11.2%) | $691,915 (18.2%) | 1.53 | 561 |
| 2019-08-01 | $487,205 (14.1%) | $683,654 (20.1%) | 1.54 | 574 |
| 2019-09-01 | $483,124 (17.8%) | $672,399 (24.6%) | 1.55 | 576 |
| 2019-10-01 | $477,475 (15.2%) | $653,297 (19.7%) | 1.54 | 574 |
| 2019-11-01 | $464,900 (13.4%) | $634,269 (17.5%) | 1.52 | 538 |
| 2019-12-01 | $447,975 (9.3%) | $602,156 (14.0%) | 1.49 | 410 |
| 2020-01-01 | $456,444 (9.7%) | $601,625 (15.3%) | 1.53 | 356 |
| 2020-02-01 | $455,888 (2.5%) | $618,684 (11.6%) | 1.49 | 334 |
| 2020-03-01 | $474,125 (1.4%) | $613,437 (4.0%) | 1.49 | 398 |
| 2020-04-01 | $488,475 (2.6%) | $615,789 (-2.4%) | 1.53 | 450 |
| 2020-05-01 | $490,000 (3.7%) | $627,712 (-3.4%) | 1.49 | 446 |
| 2020-06-01 | $485,347 (0.1%) | $660,520 (-4.2%) | 1.43 | 436 |
| 2020-07-01 | $498,500 (2.0%) | $691,655 (0.0%) | 1.44 | 431 |
| 2020-08-01 | $493,307 (1.3%) | $699,499 (2.3%) | 1.41 | 415 |
| 2020-09-01 | $475,879 (-1.5%) | $683,330 (1.6%) | 1.36 | 410 |
| 2020-10-01 | $479,000 (0.3%) | $691,980 (5.9%) | 1.37 | 380 |
| 2020-11-01 | $499,875 (7.5%) | $714,408 (12.6%) | 1.46 | 251 |
| 2020-12-01 | $470,569 (5.0%) | $697,673 (15.9%) | 1.40 | 206 |
| 2021-01-01 | $469,888 (3.0%) | $775,756 (28.9%) | 1.40 | 166 |
| 2021-02-01 | $549,488 (20.5%) | $833,965 (34.8%) | 1.60 | 140 |
| 2021-03-01 | $542,238 (14.4%) | $775,826 (26.5%) | 1.54 | 154 |
| 2021-04-01 | $562,500 (15.2%) | $745,602 (21.1%) | 1.52 | 181 |
| 2021-05-01 | $550,000 (12.2%) | $741,691 (18.2%) | 1.46 | 213 |
| 2021-06-01 | $546,500 (12.6%) | $734,262 (11.2%) | 1.44 | 249 |
| 2021-07-01 | $551,990 (10.7%) | $723,481 (4.6%) | 1.46 | 305 |
| 2021-08-01 | $576,975 (17.0%) | $719,937 (2.9%) | 1.54 | 318 |
| 2021-09-01 | $580,000 (21.9%) | $714,170 (4.5%) | 1.55 | 312 |
| 2021-10-01 | $597,000 (24.6%) | $731,719 (5.7%) | 1.59 | 311 |
| 2021-11-01 | $599,675 (20.0%) | $738,070 (3.3%) | 1.60 | 256 |
| 2021-12-01 | $599,495 (27.4%) | $788,527 (13.0%) | 1.62 | 181 |
| 2022-01-01 | $599,450 (27.6%) | $800,568 (3.2%) | 1.62 | 140 |
| 2022-02-01 | $599,495 (9.1%) | $790,509 (-5.2%) | 1.56 | 165 |
| 2022-03-01 | $609,490 (12.4%) | $805,064 (3.8%) | 1.53 | 167 |
| 2022-04-01 | $602,000 (7.0%) | $798,400 (7.1%) | 1.44 | 190 |
| 2022-05-01 | $639,975 (16.4%) | $816,184 (10.0%) | 1.46 | 271 |
| 2022-06-01 | $635,675 (16.3%) | $813,225 (10.8%) | 1.42 | 388 |
| 2022-07-01 | $600,000 (8.7%) | $796,254 (10.1%) | 1.35 | 537 |
| 2022-08-01 | $629,948 (9.2%) | $846,400 (17.6%) | 1.46 | 555 |
| 2022-09-01 | $605,000 (4.3%) | $820,878 (14.9%) | 1.41 | 514 |
| 2022-10-01 | $599,000 (0.3%) | $796,655 (8.9%) | 1.41 | 511 |
| 2022-11-01 | $592,500 (-1.2%) | $771,017 (4.5%) | 1.42 | 481 |
| 2022-12-01 | $549,900 (-8.3%) | $700,080 (-11.2%) | 1.36 | 399 |
| 2023-01-01 | $550,000 (-8.3%) | $702,589 (-12.2%) | 1.36 | 342 |
| 2023-02-01 | $555,000 (-7.4%) | $727,189 (-8.0%) | 1.34 | 278 |
| 2023-03-01 | $597,495 (-2.0%) | $846,564 (5.2%) | 1.41 | 266 |
| 2023-04-01 | $607,000 (0.8%) | $940,750 (17.8%) | 1.41 | 278 |
| 2023-05-01 | $649,950 (1.6%) | $957,179 (17.3%) | 1.47 | 278 |
| 2023-06-01 | $649,475 (2.2%) | $919,016 (13.0%) | 1.46 | 313 |
| 2023-07-01 | $650,000 (8.3%) | $927,694 (16.5%) | 1.48 | 344 |
| 2023-08-01 | $650,000 (3.2%) | $935,244 (10.5%) | 1.49 | 385 |
| 2023-09-01 | $634,500 (4.9%) | $940,497 (14.6%) | 1.48 | 387 |
| 2023-10-01 | $637,250 (6.4%) | $935,428 (17.4%) | 1.50 | 380 |
| 2023-11-01 | $599,945 (1.3%) | $824,068 (6.9%) | 1.43 | 483 |
| 2023-12-01 | $599,000 (8.9%) | $795,393 (13.6%) | 1.46 | 445 |
| 2024-01-01 | $599,495 (9.0%) | $748,569 (6.5%) | 1.46 | 368 |
| 2024-02-01 | $588,598 (6.1%) | $736,442 (1.3%) | 1.42 | 363 |
| 2024-03-01 | $600,000 (0.4%) | $793,851 (-6.2%) | 1.41 | 376 |
| 2024-04-01 | $634,733 (4.6%) | $841,890 (-10.5%) | 1.48 | 411 |
| 2024-05-01 | $636,550 (-2.1%) | $881,265 (-7.9%) | 1.45 | 556 |
| 2024-06-01 | $624,990 (-3.8%) | $877,312 (-4.5%) | 1.42 | 607 |
| 2024-07-01 | $642,500 (-1.2%) | $884,633 (-4.6%) | 1.47 | 610 |
| 2024-08-01 | $649,990 (0.0%) | $876,072 (-6.3%) | 1.51 | 624 |
| 2024-09-01 | $662,463 (4.4%) | $895,095 (-4.8%) | 1.56 | 629 |
| 2024-10-01 | $654,950 (2.8%) | $874,100 (-6.6%) | 1.54 | 617 |
| 2024-11-01 | $659,950 (10.0%) | $833,139 (1.1%) | 1.58 | 583 |
| 2024-12-01 | $644,970 (7.7%) | $794,742 (-0.1%) | 1.60 | 454 |
| 2025-01-01 | $639,988 (6.8%) | $785,095 (4.9%) | 1.60 | 384 |
| 2025-02-01 | $659,863 (12.1%) | $798,400 (8.4%) | 1.60 | 394 |
| 2025-03-01 | $653,268 (8.9%) | $796,004 (0.3%) | 1.54 | 428 |
| 2025-04-01 | $675,000 (6.3%) | $837,636 (-0.5%) | 1.57 | 460 |
| 2025-05-01 | $689,000 (8.2%) | $880,561 (-0.1%) | 1.57 | 581 |
Bremerton's median listing price comes in at 157% of the national average.
Bremerton's average listing price for 2025-05-01 was $880,561, a difference of $-704 (-0.1%) versus the prior year and $42,925 versus the prior month.
For the 2025-05-01 period, Bremerton had 581 MLS listings, a difference of 121 listings (26%) versus the prior month and 25 listings (4%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Bremerton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 56 days | 2,151 sqft |
| 2018-02-01 | 37 days | 2,135 sqft |
| 2018-03-01 | 33 days | 2,054 sqft |
| 2018-04-01 | 30 days | 2,086 sqft |
| 2018-05-01 | 21 days | 2,208 sqft |
| 2018-06-01 | 30 days | 2,159 sqft |
| 2018-07-01 | 31 days | 2,185 sqft |
| 2018-08-01 | 33 days | 2,162 sqft |
| 2018-09-01 | 38 days | 2,145 sqft |
| 2018-10-01 | 47 days | 2,120 sqft |
| 2018-11-01 | 56 days | 2,124 sqft |
| 2018-12-01 | 65 days | 2,111 sqft |
| 2019-01-01 | 67 days | 2,099 sqft |
| 2019-02-01 | 64 days | 2,143 sqft |
| 2019-03-01 | 50 days | 2,206 sqft |
| 2019-04-01 | 30 days | 2,262 sqft |
| 2019-05-01 | 28 days | 2,267 sqft |
| 2019-06-01 | 36 days | 2,276 sqft |
| 2019-07-01 | 41 days | 2,248 sqft |
| 2019-08-01 | 43 days | 2,196 sqft |
| 2019-09-01 | 47 days | 2,176 sqft |
| 2019-10-01 | 47 days | 2,145 sqft |
| 2019-11-01 | 48 days | 2,110 sqft |
| 2019-12-01 | 59 days | 2,043 sqft |
| 2020-01-01 | 63 days | 2,045 sqft |
| 2020-02-01 | 37 days | 2,078 sqft |
| 2020-03-01 | 23 days | 2,102 sqft |
| 2020-04-01 | 34 days | 2,058 sqft |
| 2020-05-01 | 43 days | 2,058 sqft |
| 2020-06-01 | 35 days | 2,058 sqft |
| 2020-07-01 | 32 days | 2,108 sqft |
| 2020-08-01 | 31 days | 2,058 sqft |
| 2020-09-01 | 32 days | 2,057 sqft |
| 2020-10-01 | 30 days | 1,976 sqft |
| 2020-11-01 | 36 days | 1,959 sqft |
| 2020-12-01 | 45 days | 1,920 sqft |
| 2021-01-01 | 42 days | 1,932 sqft |
| 2021-02-01 | 32 days | 2,124 sqft |
| 2021-03-01 | 25 days | 2,019 sqft |
| 2021-04-01 | 23 days | 2,059 sqft |
| 2021-05-01 | 22 days | 2,028 sqft |
| 2021-06-01 | 23 days | 2,004 sqft |
| 2021-07-01 | 23 days | 1,901 sqft |
| 2021-08-01 | 30 days | 1,987 sqft |
| 2021-09-01 | 35 days | 2,054 sqft |
| 2021-10-01 | 36 days | 2,069 sqft |
| 2021-11-01 | 37 days | 2,054 sqft |
| 2021-12-01 | 44 days | 2,057 sqft |
| 2022-01-01 | 42 days | 1,974 sqft |
| 2022-02-01 | 23 days | 1,979 sqft |
| 2022-03-01 | 23 days | 2,006 sqft |
| 2022-04-01 | 22 days | 2,005 sqft |
| 2022-05-01 | 20 days | 2,039 sqft |
| 2022-06-01 | 23 days | 2,100 sqft |
| 2022-07-01 | 28 days | 2,080 sqft |
| 2022-08-01 | 34 days | 2,098 sqft |
| 2022-09-01 | 44 days | 2,078 sqft |
| 2022-10-01 | 49 days | 2,078 sqft |
| 2022-11-01 | 52 days | 2,064 sqft |
| 2022-12-01 | 64 days | 2,018 sqft |
| 2023-01-01 | 74 days | 2,029 sqft |
| 2023-02-01 | 68 days | 2,074 sqft |
| 2023-03-01 | 46 days | 2,089 sqft |
| 2023-04-01 | 38 days | 2,158 sqft |
| 2023-05-01 | 35 days | 2,116 sqft |
| 2023-06-01 | 32 days | 2,120 sqft |
| 2023-07-01 | 32 days | 2,112 sqft |
| 2023-08-01 | 38 days | 2,152 sqft |
| 2023-09-01 | 43 days | 2,113 sqft |
| 2023-10-01 | 44 days | 2,142 sqft |
| 2023-11-01 | 52 days | 2,143 sqft |
| 2023-12-01 | 57 days | 2,168 sqft |
| 2024-01-01 | 55 days | 2,132 sqft |
| 2024-02-01 | 43 days | 2,070 sqft |
| 2024-03-01 | 40 days | 2,064 sqft |
| 2024-04-01 | 34 days | 2,068 sqft |
| 2024-05-01 | 26 days | 2,088 sqft |
| 2024-06-01 | 37 days | 2,070 sqft |
| 2024-07-01 | 43 days | 2,088 sqft |
| 2024-08-01 | 44 days | 2,080 sqft |
| 2024-09-01 | 45 days | 2,110 sqft |
| 2024-10-01 | 50 days | 2,087 sqft |
| 2024-11-01 | 50 days | 2,070 sqft |
| 2024-12-01 | 64 days | 2,008 sqft |
| 2025-01-01 | 75 days | 2,036 sqft |
| 2025-02-01 | 51 days | 2,077 sqft |
| 2025-03-01 | 43 days | 2,070 sqft |
| 2025-04-01 | 35 days | 2,070 sqft |
| 2025-05-01 | 30 days | 2,124 sqft |
Bremerton's median square footage for active listings during the 2025-05-01 period was 2,124 sqft. One year prior, the average listing was 2,088 sqft.