Centralia USDA Loan Rates, Closing Costs & Stats
Centralia, 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.
Centralia's 3 lenders originated 3 USDA loans during 2024. The total origination value was $885,000, with an average USDA loan value of $295,000.
Centralia USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Centralia
averaged
6.53%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Centralia's average USDA mortgage closing costs are $7,035.
The average rate for the prior week (2025-05-16) was
6.66% and
one month ago for the week of 2025-04-18, the
average rate was 6.75%.
The average rate one year ago was 6.71%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.16%.
Centralia 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 Centralia level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| BAY EQUITY LLC | 1 | 6.13% | $9,274 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 1 | 6.63% | $11,411 |
| GUILD MORTGAGE COMPANY | 1 | 6.13% | $12,345 |
The top Centralia USDA lender as defined by loan originations is BAY EQUITY LLC, with
1 USDA loans originated. Their average total fees are
$9,274, which is $2,137
lower than the next largest lender,
FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
The lowest fee Centralia USDA lenders (with over 10 loans originated) are
.
The lowest rate Centralia USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Centralia (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 | $250,000 (30.9%) | $324,084 (18.0%) | 0.00 | 222 |
| 2018-02-01 | $250,350 (22.3%) | $327,215 (17.3%) | 0.00 | 197 |
| 2018-03-01 | $265,000 (21.0%) | $333,720 (15.8%) | 0.00 | 182 |
| 2018-04-01 | $287,475 (19.8%) | $351,094 (16.0%) | 0.00 | 177 |
| 2018-05-01 | $292,475 (17.0%) | $347,039 (13.8%) | 0.00 | 191 |
| 2018-06-01 | $289,000 (14.5%) | $339,851 (8.2%) | 0.00 | 233 |
| 2018-07-01 | $299,500 (19.9%) | $352,527 (12.7%) | 0.00 | 246 |
| 2018-08-01 | $297,200 (18.9%) | $345,225 (10.3%) | 0.00 | 282 |
| 2018-09-01 | $299,000 (19.6%) | $341,248 (10.1%) | 0.00 | 302 |
| 2018-10-01 | $299,250 (20.2%) | $343,781 (13.1%) | 0.00 | 296 |
| 2018-11-01 | $299,000 (19.6%) | $346,281 (10.0%) | 0.00 | 289 |
| 2018-12-01 | $314,900 (26.0%) | $368,393 (17.0%) | 0.00 | 245 |
| 2019-01-01 | $321,250 (28.5%) | $379,863 (17.2%) | 0.00 | 200 |
| 2019-02-01 | $315,000 (25.8%) | $371,656 (13.6%) | 0.00 | 200 |
| 2019-03-01 | $314,171 (18.6%) | $359,424 (7.7%) | 0.00 | 203 |
| 2019-04-01 | $308,584 (7.3%) | $353,951 (0.8%) | 0.00 | 186 |
| 2019-05-01 | $308,675 (5.5%) | $354,552 (2.2%) | 0.00 | 194 |
| 2019-06-01 | $312,472 (8.1%) | $354,493 (4.3%) | 0.00 | 216 |
| 2019-07-01 | $319,000 (6.5%) | $364,756 (3.5%) | 0.00 | 234 |
| 2019-08-01 | $316,273 (6.4%) | $367,084 (6.3%) | 0.00 | 255 |
| 2019-09-01 | $312,182 (4.4%) | $363,601 (6.6%) | 0.00 | 269 |
| 2019-10-01 | $309,455 (3.4%) | $361,279 (5.1%) | 0.00 | 279 |
| 2019-11-01 | $309,000 (3.3%) | $358,218 (3.5%) | 0.00 | 271 |
| 2019-12-01 | $299,950 (-4.8%) | $363,234 (-1.4%) | 0.00 | 231 |
| 2020-01-01 | $312,400 (-2.8%) | $387,031 (1.9%) | 0.00 | 224 |
| 2020-02-01 | $317,900 (0.9%) | $378,725 (1.9%) | 0.00 | 223 |
| 2020-03-01 | $312,500 (-0.5%) | $379,105 (5.5%) | 0.00 | 231 |
| 2020-04-01 | $325,250 (5.4%) | $384,676 (8.7%) | 0.00 | 234 |
| 2020-05-01 | $329,450 (6.7%) | $397,159 (12.0%) | 0.00 | 231 |
| 2020-06-01 | $334,000 (6.9%) | $401,862 (13.4%) | 0.00 | 220 |
| 2020-07-01 | $335,625 (5.2%) | $399,721 (9.6%) | 0.00 | 229 |
| 2020-08-01 | $349,900 (10.6%) | $415,402 (13.2%) | 0.00 | 222 |
| 2020-09-01 | $330,000 (5.7%) | $410,932 (13.0%) | 0.00 | 233 |
| 2020-10-01 | $339,000 (9.6%) | $422,429 (16.9%) | 0.00 | 222 |
| 2020-11-01 | $342,225 (10.8%) | $436,652 (21.9%) | 0.00 | 136 |
| 2020-12-01 | $332,000 (10.7%) | $430,070 (18.4%) | 0.00 | 111 |
| 2021-01-01 | $342,500 (9.6%) | $436,670 (12.8%) | 0.00 | 96 |
| 2021-02-01 | $349,750 (10.0%) | $457,206 (20.7%) | 0.00 | 86 |
| 2021-03-01 | $361,250 (15.6%) | $458,335 (20.9%) | 0.00 | 79 |
| 2021-04-01 | $386,500 (18.8%) | $467,885 (21.6%) | 0.00 | 72 |
| 2021-05-01 | $399,000 (21.1%) | $478,292 (20.4%) | 0.00 | 91 |
| 2021-06-01 | $398,225 (19.2%) | $512,574 (27.6%) | 0.00 | 107 |
| 2021-07-01 | $425,000 (26.6%) | $525,499 (31.5%) | 0.00 | 119 |
| 2021-08-01 | $436,750 (24.8%) | $521,995 (25.7%) | 0.00 | 140 |
| 2021-09-01 | $449,450 (36.2%) | $510,244 (24.2%) | 0.00 | 152 |
| 2021-10-01 | $430,000 (26.8%) | $509,445 (20.6%) | 0.00 | 148 |
| 2021-11-01 | $449,600 (31.4%) | $515,520 (18.1%) | 0.00 | 117 |
| 2021-12-01 | $429,500 (29.4%) | $494,326 (14.9%) | 0.00 | 92 |
| 2022-01-01 | $420,000 (22.6%) | $502,297 (15.0%) | 0.00 | 65 |
| 2022-02-01 | $429,700 (22.9%) | $527,532 (15.4%) | 0.00 | 70 |
| 2022-03-01 | $452,000 (25.1%) | $571,897 (24.8%) | 0.00 | 74 |
| 2022-04-01 | $487,450 (26.1%) | $648,477 (38.6%) | 0.00 | 88 |
| 2022-05-01 | $539,225 (35.1%) | $653,420 (36.6%) | 0.00 | 125 |
| 2022-06-01 | $498,700 (25.2%) | $618,109 (20.6%) | 0.00 | 194 |
| 2022-07-01 | $525,000 (23.5%) | $583,845 (11.1%) | 0.00 | 245 |
| 2022-08-01 | $499,925 (14.5%) | $563,131 (7.9%) | 0.00 | 285 |
| 2022-09-01 | $487,250 (8.4%) | $550,365 (7.9%) | 0.00 | 289 |
| 2022-10-01 | $489,000 (13.7%) | $545,424 (7.1%) | 0.00 | 271 |
| 2022-11-01 | $487,475 (8.4%) | $550,486 (6.8%) | 0.00 | 252 |
| 2022-12-01 | $497,500 (15.8%) | $556,719 (12.6%) | 0.00 | 194 |
| 2023-01-01 | $449,500 (7.0%) | $559,476 (11.4%) | 0.00 | 173 |
| 2023-02-01 | $485,000 (12.9%) | $577,568 (9.5%) | 0.00 | 156 |
| 2023-03-01 | $499,000 (10.4%) | $584,444 (2.2%) | 0.00 | 145 |
| 2023-04-01 | $499,000 (2.4%) | $591,389 (-8.8%) | 0.00 | 145 |
| 2023-05-01 | $567,000 (5.2%) | $613,238 (-6.2%) | 0.00 | 142 |
| 2023-06-01 | $550,000 (10.3%) | $602,754 (-2.5%) | 0.00 | 162 |
| 2023-07-01 | $565,000 (7.6%) | $614,020 (5.2%) | 0.00 | 175 |
| 2023-08-01 | $545,000 (9.0%) | $622,589 (10.6%) | 0.00 | 195 |
| 2023-09-01 | $535,000 (9.8%) | $620,428 (12.7%) | 0.00 | 204 |
| 2023-10-01 | $512,500 (4.8%) | $603,268 (10.6%) | 0.00 | 227 |
| 2023-11-01 | $507,450 (4.1%) | $588,189 (6.9%) | 0.00 | 243 |
| 2023-12-01 | $514,900 (3.5%) | $593,963 (6.7%) | 0.00 | 225 |
| 2024-01-01 | $547,500 (21.8%) | $617,136 (10.3%) | 0.00 | 204 |
| 2024-02-01 | $547,450 (12.9%) | $613,455 (6.2%) | 0.00 | 188 |
| 2024-03-01 | $529,950 (6.2%) | $591,090 (1.1%) | 0.00 | 202 |
| 2024-04-01 | $500,700 (0.3%) | $580,044 (-1.9%) | 0.00 | 201 |
| 2024-05-01 | $499,925 (-11.8%) | $577,103 (-5.9%) | 0.00 | 235 |
| 2024-06-01 | $524,900 (-4.6%) | $596,613 (-1.0%) | 0.00 | 268 |
| 2024-07-01 | $525,000 (-7.1%) | $599,873 (-2.3%) | 0.00 | 285 |
| 2024-08-01 | $524,725 (-3.7%) | $593,992 (-4.6%) | 0.00 | 315 |
| 2024-09-01 | $524,750 (-1.9%) | $598,785 (-3.5%) | 0.00 | 303 |
| 2024-10-01 | $506,800 (-1.1%) | $595,746 (-1.3%) | 0.00 | 302 |
| 2024-11-01 | $495,000 (-2.5%) | $584,256 (-0.7%) | 0.00 | 291 |
| 2024-12-01 | $498,950 (-3.1%) | $590,217 (-0.6%) | 0.00 | 263 |
| 2025-01-01 | $492,450 (-10.1%) | $559,787 (-9.3%) | 0.00 | 238 |
| 2025-02-01 | $489,745 (-10.5%) | $565,656 (-7.8%) | 0.00 | 230 |
| 2025-03-01 | $485,000 (-8.5%) | $562,377 (-4.9%) | 0.00 | 238 |
| 2025-04-01 | $486,150 (-2.9%) | $573,453 (-1.1%) | 0.00 | 263 |
Centralia's median listing price comes in at 0% of the national average.
Centralia's average listing price for 2025-04-01 was $573,453, a difference of $-6,591 (-1.1%) versus the prior year and $11,076 versus the prior month.
For the 2025-04-01 period, Centralia had 263 MLS listings, a difference of 25 listings (11%) versus the prior month and 62 listings (31%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Centralia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,782 sqft |
| 2018-02-01 | 0 days | 1,775 sqft |
| 2018-03-01 | 0 days | 1,875 sqft |
| 2018-04-01 | 0 days | 1,932 sqft |
| 2018-05-01 | 0 days | 1,909 sqft |
| 2018-06-01 | 0 days | 1,906 sqft |
| 2018-07-01 | 0 days | 1,940 sqft |
| 2018-08-01 | 0 days | 1,865 sqft |
| 2018-09-01 | 0 days | 1,864 sqft |
| 2018-10-01 | 0 days | 1,843 sqft |
| 2018-11-01 | 0 days | 1,834 sqft |
| 2018-12-01 | 0 days | 1,878 sqft |
| 2019-01-01 | 0 days | 1,886 sqft |
| 2019-02-01 | 0 days | 1,880 sqft |
| 2019-03-01 | 0 days | 1,851 sqft |
| 2019-04-01 | 0 days | 1,833 sqft |
| 2019-05-01 | 0 days | 1,847 sqft |
| 2019-06-01 | 0 days | 1,782 sqft |
| 2019-07-01 | 0 days | 1,782 sqft |
| 2019-08-01 | 0 days | 1,777 sqft |
| 2019-09-01 | 0 days | 1,770 sqft |
| 2019-10-01 | 0 days | 1,765 sqft |
| 2019-11-01 | 0 days | 1,782 sqft |
| 2019-12-01 | 0 days | 1,782 sqft |
| 2020-01-01 | 0 days | 1,794 sqft |
| 2020-02-01 | 0 days | 1,782 sqft |
| 2020-03-01 | 0 days | 1,757 sqft |
| 2020-04-01 | 0 days | 1,746 sqft |
| 2020-05-01 | 0 days | 1,781 sqft |
| 2020-06-01 | 0 days | 1,801 sqft |
| 2020-07-01 | 0 days | 1,813 sqft |
| 2020-08-01 | 0 days | 1,790 sqft |
| 2020-09-01 | 0 days | 1,709 sqft |
| 2020-10-01 | 0 days | 1,702 sqft |
| 2020-11-01 | 0 days | 1,711 sqft |
| 2020-12-01 | 0 days | 1,764 sqft |
| 2021-01-01 | 0 days | 1,705 sqft |
| 2021-02-01 | 0 days | 1,678 sqft |
| 2021-03-01 | 0 days | 1,570 sqft |
| 2021-04-01 | 0 days | 1,599 sqft |
| 2021-05-01 | 0 days | 1,592 sqft |
| 2021-06-01 | 0 days | 1,644 sqft |
| 2021-07-01 | 0 days | 1,760 sqft |
| 2021-08-01 | 0 days | 1,821 sqft |
| 2021-09-01 | 0 days | 1,839 sqft |
| 2021-10-01 | 0 days | 1,958 sqft |
| 2021-11-01 | 0 days | 1,899 sqft |
| 2021-12-01 | 0 days | 1,800 sqft |
| 2022-01-01 | 0 days | 1,722 sqft |
| 2022-02-01 | 0 days | 1,705 sqft |
| 2022-03-01 | 0 days | 1,786 sqft |
| 2022-04-01 | 0 days | 1,876 sqft |
| 2022-05-01 | 0 days | 1,789 sqft |
| 2022-06-01 | 0 days | 1,762 sqft |
| 2022-07-01 | 0 days | 1,850 sqft |
| 2022-08-01 | 0 days | 1,863 sqft |
| 2022-09-01 | 0 days | 1,810 sqft |
| 2022-10-01 | 0 days | 1,810 sqft |
| 2022-11-01 | 0 days | 1,794 sqft |
| 2022-12-01 | 0 days | 1,792 sqft |
| 2023-01-01 | 0 days | 1,759 sqft |
| 2023-02-01 | 0 days | 1,831 sqft |
| 2023-03-01 | 0 days | 1,864 sqft |
| 2023-04-01 | 0 days | 1,941 sqft |
| 2023-05-01 | 0 days | 1,939 sqft |
| 2023-06-01 | 0 days | 1,868 sqft |
| 2023-07-01 | 0 days | 1,919 sqft |
| 2023-08-01 | 0 days | 1,883 sqft |
| 2023-09-01 | 0 days | 1,892 sqft |
| 2023-10-01 | 0 days | 1,922 sqft |
| 2023-11-01 | 0 days | 1,928 sqft |
| 2023-12-01 | 0 days | 1,908 sqft |
| 2024-01-01 | 0 days | 1,974 sqft |
| 2024-02-01 | 0 days | 1,970 sqft |
| 2024-03-01 | 0 days | 1,944 sqft |
| 2024-04-01 | 0 days | 1,880 sqft |
| 2024-05-01 | 0 days | 1,907 sqft |
| 2024-06-01 | 0 days | 1,920 sqft |
| 2024-07-01 | 0 days | 1,884 sqft |
| 2024-08-01 | 0 days | 1,867 sqft |
| 2024-09-01 | 0 days | 1,800 sqft |
| 2024-10-01 | 0 days | 1,842 sqft |
| 2024-11-01 | 0 days | 1,797 sqft |
| 2024-12-01 | 0 days | 1,764 sqft |
| 2025-01-01 | 0 days | 1,766 sqft |
| 2025-02-01 | 0 days | 1,815 sqft |
| 2025-03-01 | 0 days | 1,782 sqft |
| 2025-04-01 | 0 days | 1,764 sqft |
Centralia's median square footage for active listings during the 2025-04-01 period was 1,764 sqft. One year prior, the average listing was 1,880 sqft.