Crestview USDA Loan Rates, Closing Costs & Stats
CRESTVIEW-FORT WALTON BEACH-DESTIN, FL
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.
Crestview's 15 lenders originated 17 USDA loans during 2024. The total origination value was $4,575,000, with an average USDA loan value of $269,118.
Crestview USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Crestview
averaged
6.27%
for the week of 2025-05-23, compared to the national average (all USDA variants) of
6.433% for the same period.
Crestview's average USDA mortgage closing costs are $5,476.
The average rate for the prior week (2025-05-16) was
6.51% and
one month ago for the week of 2025-04-18, the
average rate was 6.49%.
The average rate one year ago was 6.66%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.1%.
Crestview 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 Crestview level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| DHI MORTGAGE COMPANY, LTD. | 2 | 5.25% | $5,970 |
| GUARANTEED RATE AFFINITY, LLC | 2 | 6.30% | $13,353 |
| CARDINAL FINANCIAL | 1 | 6.25% | $10,730 |
| Centennial Bank | 1 | 6.00% | $10,465 |
| Equity Prime Mortgage LLC | 1 | 6.25% | $8,721 |
| EVERETT FINANCIAL, INC. | 1 | 6.63% | $9,382 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 1 | 6.25% | $9,898 |
| INSPIRE HOME LOANS INC. | 1 | 4.88% | $7,100 |
| MOVEMENT MORTGAGE, LLC | 1 | 6.00% | $6,675 |
| Northpointe Bank | 1 | 5.25% | $12,509 |
| Paramount Residential Mortgage Group, Inc. | 1 | 6.13% | $7,892 |
| PLAZA HOME MORTGAGE, INC. | 1 | 6.13% | $6,668 |
| 1ST SIGNATURE LENDING, LLC | 1 | 5.25% | $10,818 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 6.25% | $7,895 |
| Ameris Bank | 1 | 6.75% | $8,241 |
The top Crestview USDA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with
2 USDA loans originated. Their average total fees are
$5,970, which is $7,383
lower than the next largest lender,
GUARANTEED RATE AFFINITY, LLC.
The lowest fee Crestview USDA lenders (with over 10 loans originated) are
.
The lowest rate Crestview USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Crestview (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 | $398,500 (4.2%) | $729,543 (0.0%) | 1.48 | 3,256 |
| 2018-02-01 | $399,000 (1.7%) | $717,727 (-3.0%) | 1.45 | 3,313 |
| 2018-03-01 | $399,000 (0.0%) | $730,276 (-2.0%) | 1.40 | 3,401 |
| 2018-04-01 | $399,250 (1.1%) | $735,377 (-0.1%) | 1.35 | 3,472 |
| 2018-05-01 | $399,450 (0.2%) | $737,944 (-0.3%) | 1.33 | 3,477 |
| 2018-06-01 | $399,999 (0.0%) | $736,654 (-1.2%) | 1.33 | 3,541 |
| 2018-07-01 | $399,000 (-1.1%) | $729,277 (-3.2%) | 1.33 | 3,581 |
| 2018-08-01 | $397,000 (-4.9%) | $735,932 (-3.1%) | 1.33 | 3,530 |
| 2018-09-01 | $399,000 (-2.7%) | $725,822 (-3.3%) | 1.34 | 3,538 |
| 2018-10-01 | $399,450 (-0.4%) | $732,548 (-1.4%) | 1.35 | 3,495 |
| 2018-11-01 | $399,000 (-0.1%) | $728,409 (-0.8%) | 1.35 | 3,441 |
| 2018-12-01 | $418,000 (4.6%) | $754,719 (2.4%) | 1.44 | 3,328 |
| 2019-01-01 | $422,400 (6.0%) | $758,663 (4.0%) | 1.46 | 3,185 |
| 2019-02-01 | $427,500 (7.1%) | $771,950 (7.6%) | 1.44 | 3,183 |
| 2019-03-01 | $450,257 (12.9%) | $793,799 (8.7%) | 1.47 | 3,246 |
| 2019-04-01 | $469,150 (17.5%) | $819,290 (11.4%) | 1.49 | 3,324 |
| 2019-05-01 | $474,950 (18.9%) | $843,839 (14.4%) | 1.48 | 3,288 |
| 2019-06-01 | $477,767 (19.4%) | $843,547 (14.5%) | 1.49 | 3,264 |
| 2019-07-01 | $482,138 (20.8%) | $860,909 (18.1%) | 1.51 | 3,221 |
| 2019-08-01 | $489,034 (23.2%) | $873,717 (18.7%) | 1.55 | 3,195 |
| 2019-09-01 | $495,160 (24.1%) | $881,502 (21.5%) | 1.58 | 3,183 |
| 2019-10-01 | $499,963 (25.2%) | $887,141 (21.1%) | 1.61 | 3,173 |
| 2019-11-01 | $500,000 (25.3%) | $885,588 (21.6%) | 1.64 | 3,096 |
| 2019-12-01 | $499,900 (19.6%) | $883,288 (17.0%) | 1.67 | 2,961 |
| 2020-01-01 | $505,000 (19.6%) | $880,533 (16.1%) | 1.69 | 2,800 |
| 2020-02-01 | $525,000 (22.8%) | $901,590 (16.8%) | 1.72 | 2,718 |
| 2020-03-01 | $530,146 (17.7%) | $905,035 (14.0%) | 1.66 | 2,890 |
| 2020-04-01 | $519,875 (10.8%) | $874,087 (6.7%) | 1.63 | 3,121 |
| 2020-05-01 | $525,000 (10.5%) | $882,337 (4.6%) | 1.60 | 3,119 |
| 2020-06-01 | $499,950 (4.6%) | $895,857 (6.2%) | 1.47 | 2,717 |
| 2020-07-01 | $508,146 (5.4%) | $929,715 (8.0%) | 1.47 | 2,461 |
| 2020-08-01 | $499,000 (2.0%) | $942,273 (7.9%) | 1.43 | 2,246 |
| 2020-09-01 | $498,450 (0.7%) | $941,071 (6.8%) | 1.43 | 2,069 |
| 2020-10-01 | $489,900 (-2.0%) | $968,973 (9.2%) | 1.40 | 1,927 |
| 2020-11-01 | $479,000 (-4.2%) | $970,847 (9.6%) | 1.40 | 1,859 |
| 2020-12-01 | $473,978 (-5.2%) | $980,210 (11.0%) | 1.41 | 1,678 |
| 2021-01-01 | $468,900 (-7.2%) | $993,524 (12.8%) | 1.40 | 1,453 |
| 2021-02-01 | $473,393 (-9.8%) | $1,016,333 (12.7%) | 1.38 | 1,174 |
| 2021-03-01 | $499,000 (-5.9%) | $1,055,618 (16.6%) | 1.42 | 1,029 |
| 2021-04-01 | $565,000 (8.7%) | $1,121,784 (28.3%) | 1.53 | 983 |
| 2021-05-01 | $619,500 (18.0%) | $1,162,236 (31.7%) | 1.65 | 1,023 |
| 2021-06-01 | $599,450 (19.9%) | $1,153,952 (28.8%) | 1.58 | 1,182 |
| 2021-07-01 | $599,900 (18.1%) | $1,143,037 (22.9%) | 1.58 | 1,449 |
| 2021-08-01 | $599,950 (20.2%) | $1,128,583 (19.8%) | 1.60 | 1,649 |
| 2021-09-01 | $609,963 (22.4%) | $1,144,800 (21.7%) | 1.63 | 1,683 |
| 2021-10-01 | $599,900 (22.5%) | $1,141,658 (17.8%) | 1.60 | 1,614 |
| 2021-11-01 | $607,450 (26.8%) | $1,143,031 (17.7%) | 1.62 | 1,500 |
| 2021-12-01 | $601,275 (26.9%) | $1,150,481 (17.4%) | 1.63 | 1,295 |
| 2022-01-01 | $599,909 (27.9%) | $1,204,534 (21.2%) | 1.62 | 1,060 |
| 2022-02-01 | $604,725 (27.7%) | $1,268,593 (24.8%) | 1.57 | 859 |
| 2022-03-01 | $620,799 (24.4%) | $1,301,722 (23.3%) | 1.55 | 930 |
| 2022-04-01 | $646,485 (14.4%) | $1,347,231 (20.1%) | 1.54 | 1,163 |
| 2022-05-01 | $649,500 (4.8%) | $1,341,620 (15.4%) | 1.48 | 1,521 |
| 2022-06-01 | $685,800 (14.4%) | $1,390,186 (20.5%) | 1.53 | 1,878 |
| 2022-07-01 | $689,950 (15.0%) | $1,394,484 (22.0%) | 1.55 | 2,339 |
| 2022-08-01 | $667,250 (11.2%) | $1,361,138 (20.6%) | 1.54 | 2,495 |
| 2022-09-01 | $662,500 (8.6%) | $1,327,859 (16.0%) | 1.55 | 2,593 |
| 2022-10-01 | $669,000 (11.5%) | $1,320,969 (15.7%) | 1.57 | 2,683 |
| 2022-11-01 | $647,350 (6.6%) | $1,292,580 (13.1%) | 1.56 | 2,738 |
| 2022-12-01 | $639,900 (6.4%) | $1,294,220 (12.5%) | 1.58 | 2,615 |
| 2023-01-01 | $627,450 (4.6%) | $1,271,837 (5.6%) | 1.55 | 2,520 |
| 2023-02-01 | $632,200 (4.5%) | $1,288,481 (1.6%) | 1.53 | 2,468 |
| 2023-03-01 | $667,450 (7.5%) | $1,349,862 (3.7%) | 1.57 | 2,432 |
| 2023-04-01 | $699,500 (8.2%) | $1,406,010 (4.4%) | 1.63 | 2,469 |
| 2023-05-01 | $720,700 (11.0%) | $1,449,376 (8.0%) | 1.63 | 2,545 |
| 2023-06-01 | $725,000 (5.7%) | $1,450,345 (4.3%) | 1.63 | 2,662 |
| 2023-07-01 | $725,000 (5.1%) | $1,429,909 (2.5%) | 1.65 | 2,827 |
| 2023-08-01 | $719,800 (7.9%) | $1,417,101 (4.1%) | 1.65 | 2,941 |
| 2023-09-01 | $689,500 (4.1%) | $1,358,512 (2.3%) | 1.61 | 3,193 |
| 2023-10-01 | $677,000 (1.2%) | $1,319,775 (-0.1%) | 1.59 | 3,330 |
| 2023-11-01 | $649,450 (0.3%) | $1,291,771 (-0.1%) | 1.55 | 3,465 |
| 2023-12-01 | $639,250 (-0.1%) | $1,282,633 (-0.9%) | 1.56 | 3,411 |
| 2024-01-01 | $637,000 (1.5%) | $1,277,571 (0.5%) | 1.56 | 3,379 |
| 2024-02-01 | $642,350 (1.6%) | $1,276,889 (-0.9%) | 1.55 | 3,476 |
| 2024-03-01 | $644,000 (-3.5%) | $1,279,910 (-5.2%) | 1.52 | 3,848 |
| 2024-04-01 | $647,450 (-7.4%) | $1,281,343 (-8.9%) | 1.51 | 4,060 |
| 2024-05-01 | $647,100 (-10.2%) | $1,262,512 (-12.9%) | 1.47 | 4,185 |
| 2024-06-01 | $635,900 (-12.3%) | $1,262,788 (-12.9%) | 1.45 | 4,382 |
| 2024-07-01 | $635,000 (-12.4%) | $1,270,901 (-11.1%) | 1.45 | 4,463 |
| 2024-08-01 | $619,000 (-14.0%) | $1,251,596 (-11.7%) | 1.44 | 4,504 |
| 2024-09-01 | $613,750 (-11.0%) | $1,237,934 (-8.9%) | 1.44 | 4,504 |
| 2024-10-01 | $611,213 (-9.7%) | $1,248,653 (-5.4%) | 1.44 | 4,244 |
| 2024-11-01 | $599,995 (-7.6%) | $1,231,122 (-4.7%) | 1.44 | 4,160 |
| 2024-12-01 | $599,000 (-6.3%) | $1,221,139 (-4.8%) | 1.49 | 4,021 |
| 2025-01-01 | $599,450 (-5.9%) | $1,197,268 (-6.3%) | 1.50 | 3,819 |
| 2025-02-01 | $603,474 (-6.1%) | $1,199,687 (-6.1%) | 1.46 | 3,948 |
| 2025-03-01 | $625,000 (-3.0%) | $1,232,917 (-3.7%) | 1.47 | 4,298 |
| 2025-04-01 | $632,500 (-2.3%) | $1,260,536 (-1.6%) | 1.47 | 4,588 |
Crestview's median listing price comes in at 147% of the national average.
Crestview's average listing price for 2025-04-01 was $1,260,536, a difference of $-20,807 (-1.6%) versus the prior year and $27,619 versus the prior month.
For the 2025-04-01 period, Crestview had 4,588 MLS listings, a difference of 290 listings (7%) versus the prior month and 528 listings (13%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Crestview (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 102 days | 1,965 sqft |
| 2018-02-01 | 94 days | 1,969 sqft |
| 2018-03-01 | 72 days | 1,979 sqft |
| 2018-04-01 | 67 days | 1,978 sqft |
| 2018-05-01 | 68 days | 1,999 sqft |
| 2018-06-01 | 72 days | 2,000 sqft |
| 2018-07-01 | 78 days | 1,978 sqft |
| 2018-08-01 | 84 days | 1,970 sqft |
| 2018-09-01 | 85 days | 1,958 sqft |
| 2018-10-01 | 89 days | 1,934 sqft |
| 2018-11-01 | 89 days | 1,920 sqft |
| 2018-12-01 | 96 days | 1,922 sqft |
| 2019-01-01 | 101 days | 1,923 sqft |
| 2019-02-01 | 98 days | 1,945 sqft |
| 2019-03-01 | 84 days | 1,964 sqft |
| 2019-04-01 | 69 days | 1,981 sqft |
| 2019-05-01 | 67 days | 2,012 sqft |
| 2019-06-01 | 72 days | 1,981 sqft |
| 2019-07-01 | 76 days | 1,979 sqft |
| 2019-08-01 | 78 days | 1,986 sqft |
| 2019-09-01 | 78 days | 2,002 sqft |
| 2019-10-01 | 79 days | 2,012 sqft |
| 2019-11-01 | 81 days | 2,004 sqft |
| 2019-12-01 | 88 days | 2,000 sqft |
| 2020-01-01 | 93 days | 2,005 sqft |
| 2020-02-01 | 92 days | 2,005 sqft |
| 2020-03-01 | 65 days | 2,016 sqft |
| 2020-04-01 | 65 days | 2,009 sqft |
| 2020-05-01 | 74 days | 1,991 sqft |
| 2020-06-01 | 79 days | 1,962 sqft |
| 2020-07-01 | 61 days | 1,981 sqft |
| 2020-08-01 | 56 days | 1,943 sqft |
| 2020-09-01 | 53 days | 1,940 sqft |
| 2020-10-01 | 56 days | 1,905 sqft |
| 2020-11-01 | 53 days | 1,919 sqft |
| 2020-12-01 | 59 days | 1,894 sqft |
| 2021-01-01 | 64 days | 1,920 sqft |
| 2021-02-01 | 43 days | 1,881 sqft |
| 2021-03-01 | 29 days | 1,933 sqft |
| 2021-04-01 | 22 days | 1,957 sqft |
| 2021-05-01 | 21 days | 1,985 sqft |
| 2021-06-01 | 23 days | 1,923 sqft |
| 2021-07-01 | 27 days | 1,927 sqft |
| 2021-08-01 | 33 days | 1,907 sqft |
| 2021-09-01 | 38 days | 1,891 sqft |
| 2021-10-01 | 45 days | 1,870 sqft |
| 2021-11-01 | 51 days | 1,923 sqft |
| 2021-12-01 | 57 days | 1,928 sqft |
| 2022-01-01 | 61 days | 1,933 sqft |
| 2022-02-01 | 43 days | 1,933 sqft |
| 2022-03-01 | 34 days | 1,975 sqft |
| 2022-04-01 | 33 days | 1,999 sqft |
| 2022-05-01 | 32 days | 2,011 sqft |
| 2022-06-01 | 36 days | 2,018 sqft |
| 2022-07-01 | 42 days | 2,006 sqft |
| 2022-08-01 | 52 days | 1,997 sqft |
| 2022-09-01 | 59 days | 2,004 sqft |
| 2022-10-01 | 64 days | 2,010 sqft |
| 2022-11-01 | 72 days | 1,984 sqft |
| 2022-12-01 | 80 days | 1,982 sqft |
| 2023-01-01 | 85 days | 1,984 sqft |
| 2023-02-01 | 78 days | 1,961 sqft |
| 2023-03-01 | 64 days | 1,987 sqft |
| 2023-04-01 | 59 days | 2,000 sqft |
| 2023-05-01 | 59 days | 1,970 sqft |
| 2023-06-01 | 60 days | 1,947 sqft |
| 2023-07-01 | 63 days | 1,951 sqft |
| 2023-08-01 | 67 days | 1,941 sqft |
| 2023-09-01 | 65 days | 1,900 sqft |
| 2023-10-01 | 66 days | 1,865 sqft |
| 2023-11-01 | 71 days | 1,862 sqft |
| 2023-12-01 | 79 days | 1,837 sqft |
| 2024-01-01 | 87 days | 1,830 sqft |
| 2024-02-01 | 87 days | 1,828 sqft |
| 2024-03-01 | 66 days | 1,823 sqft |
| 2024-04-01 | 65 days | 1,826 sqft |
| 2024-05-01 | 67 days | 1,825 sqft |
| 2024-06-01 | 72 days | 1,829 sqft |
| 2024-07-01 | 82 days | 1,832 sqft |
| 2024-08-01 | 88 days | 1,826 sqft |
| 2024-09-01 | 93 days | 1,824 sqft |
| 2024-10-01 | 94 days | 1,835 sqft |
| 2024-11-01 | 99 days | 1,830 sqft |
| 2024-12-01 | 105 days | 1,832 sqft |
| 2025-01-01 | 107 days | 1,822 sqft |
| 2025-02-01 | 104 days | 1,815 sqft |
| 2025-03-01 | 79 days | 1,834 sqft |
| 2025-04-01 | 72 days | 1,837 sqft |
Crestview's median square footage for active listings during the 2025-04-01 period was 1,837 sqft. One year prior, the average listing was 1,826 sqft.