Dodge City USDA Loan Rates, Closing Costs & Stats

Dodge City, KS

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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.

    Dodge City's 7 lenders originated 20 USDA loans during 2023. The total origination value was $3,390,000, with an average USDA loan value of $169,500.

    Dodge City USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Dodge City averaged 6.52% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Dodge City's average USDA mortgage closing costs are $3,771.

    The average rate for the prior week (2025-02-07) was 6.58% and one month ago for the week of 2025-01-10, the average rate was 6.52%.

    The average rate one year ago was 6.21%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.33%.

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

    Dodge City 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 Dodge City level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Landmark National Bank 14 6.35% $4,390
    GOLDEN PLAINS 1 7.38% $2,842
    GERSHMAN INVESTMENT CORP. 1 7.13% $5,780
    Paramount Residential Mortgage Group, Inc. 1 7.13% $6,579
    Prosperity Home Mortgage, LLC 1 6.38% $6,323
    Sunflower Bank 1 6.99% $6,394
    Members Mortgage Services, L.L.C. 1 6.13% $4,522

    The top Dodge City USDA lender as defined by loan originations is Landmark National Bank, with 14 USDA loans originated. Their average total fees are $4,390, which is $1,548 higher than the next largest lender, GOLDEN PLAINS.

    The lowest fee Dodge City USDA lenders (with over 10 loans originated) are Landmark National Bank ($4,390), .

    The lowest rate Dodge City USDA lenders (with over 10 loans originated) are Landmark National Bank (6.35%), .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Dodge City (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 $141,225 (-5.8%) $159,133 (-6.3%) 0.00 69
    2018-02-01 $145,000 (-10.6%) $166,048 (-7.3%) 0.00 79
    2018-03-01 $149,900 (-7.8%) $174,922 (-3.2%) 0.00 75
    2018-04-01 $149,950 (-1.7%) $177,772 (3.7%) 0.00 83
    2018-05-01 $152,225 (-2.7%) $178,087 (1.1%) 0.00 89
    2018-06-01 $152,000 (-7.1%) $176,032 (-1.2%) 0.00 87
    2018-07-01 $163,675 (2.4%) $179,295 (0.5%) 0.00 81
    2018-08-01 $167,975 (6.8%) $179,559 (1.5%) 0.00 76
    2018-09-01 $156,789 (4.9%) $173,953 (-0.3%) 0.00 77
    2018-10-01 $154,800 (2.5%) $181,380 (4.8%) 0.00 78
    2018-11-01 $154,750 (3.9%) $189,713 (10.0%) 0.00 78
    2018-12-01 $159,900 (10.4%) $186,023 (9.1%) 0.00 78
    2019-01-01 $149,925 (6.2%) $181,867 (14.3%) 0.00 83
    2019-02-01 $154,925 (6.8%) $179,956 (8.4%) 0.00 89
    2019-03-01 $156,021 (4.1%) $175,596 (0.4%) 0.00 86
    2019-04-01 $159,675 (6.5%) $177,533 (-0.1%) 0.00 86
    2019-05-01 $161,200 (5.9%) $181,739 (2.1%) 0.00 91
    2019-06-01 $159,450 (4.9%) $179,509 (2.0%) 0.00 99
    2019-07-01 $158,000 (-3.5%) $178,835 (-0.3%) 0.00 107
    2019-08-01 $158,464 (-5.7%) $180,908 (0.8%) 0.00 104
    2019-09-01 $159,159 (1.5%) $182,413 (4.9%) 0.00 100
    2019-10-01 $159,523 (3.1%) $181,794 (0.2%) 0.00 95
    2019-11-01 $153,500 (-0.8%) $177,308 (-6.5%) 0.00 93
    2019-12-01 $151,500 (-5.3%) $181,309 (-2.5%) 0.00 81
    2020-01-01 $150,450 (0.4%) $170,363 (-6.3%) 0.00 74
    2020-02-01 $145,400 (-6.2%) $174,212 (-3.2%) 0.00 66
    2020-03-01 $159,500 (2.2%) $186,923 (6.5%) 0.00 48
    2020-04-01 $165,625 (3.7%) $190,202 (7.1%) 0.00 43
    2020-05-01 $142,450 (-11.6%) $193,546 (6.5%) 0.00 36
    2020-06-01 $158,225 (-0.8%) $207,613 (15.7%) 0.00 34
    2020-07-01 $150,475 (-4.8%) $208,502 (16.6%) 0.00 32
    2020-08-01 $139,900 (-11.7%) $237,719 (31.4%) 0.00 30
    2020-09-01 $135,950 (-14.6%) $213,489 (17.0%) 0.00 31
    2020-10-01 $156,500 (-1.9%) $217,868 (19.8%) 0.00 27
    2020-11-01 $141,225 (-8.0%) $215,267 (21.4%) 0.00 35
    2020-12-01 $143,675 (-5.2%) $214,502 (18.3%) 0.00 30
    2021-01-01 $154,250 (2.5%) $217,960 (27.9%) 0.00 35
    2021-02-01 $142,775 (-1.8%) $210,733 (21.0%) 0.00 28
    2021-03-01 $128,125 (-19.7%) $212,461 (13.7%) 0.00 25
    2021-04-01 $145,725 (-12.0%) $258,644 (36.0%) 0.00 23
    2021-05-01 $164,500 (15.5%) $325,500 (68.2%) 0.00 16
    2021-06-01 $246,950 (56.1%) $355,267 (71.1%) 0.00 14
    2021-07-01 $249,000 (65.5%) $333,700 (60.1%) 0.00 17
    2021-08-01 $187,450 (34.0%) $241,908 (1.8%) 0.00 19
    2021-09-01 $158,550 (16.6%) $237,373 (11.2%) 0.00 15
    2021-10-01 $159,900 (2.2%) $218,894 (0.5%) 0.00 16
    2021-11-01 $166,250 (17.7%) $212,997 (-1.1%) 0.00 15
    2021-12-01 $159,900 (11.3%) $215,547 (0.5%) 0.00 14
    2022-01-01 $142,500 (-7.6%) $192,700 (-11.6%) 0.00 16
    2022-02-01 $153,225 (7.3%) $198,613 (-5.8%) 0.00 17
    2022-03-01 $156,175 (21.9%) $205,187 (-3.4%) 0.00 16
    2022-04-01 $183,900 (26.2%) $185,159 (-28.4%) 0.00 20
    2022-05-01 $250,750 (52.4%) $278,668 (-14.4%) 0.00 20
    2022-06-01 $303,500 (22.9%) $289,757 (-18.4%) 0.00 25
    2022-07-01 $279,000 (12.1%) $280,326 (-16.0%) 0.00 39
    2022-08-01 $314,725 (67.9%) $308,634 (27.6%) 0.00 32
    2022-09-01 $283,000 (78.5%) $302,888 (27.6%) 0.00 37
    2022-10-01 $260,000 (62.6%) $309,762 (41.5%) 0.00 40
    2022-11-01 $282,375 (69.9%) $323,406 (51.8%) 0.00 46
    2022-12-01 $285,000 (78.2%) $317,229 (47.2%) 0.00 42
    2023-01-01 $279,100 (95.9%) $307,047 (59.3%) 0.00 38
    2023-02-01 $286,499 (87.0%) $332,579 (67.5%) 0.00 32
    2023-03-01 $312,249 (99.9%) $355,013 (73.0%) 0.00 27
    2023-04-01 $297,498 (61.8%) $324,800 (75.4%) 0.00 24
    2023-05-01 $266,950 (6.5%) $318,252 (14.2%) 0.00 23
    2023-06-01 $287,500 (-5.3%) $320,045 (10.5%) 0.00 32
    2023-07-01 $294,750 (5.7%) $335,515 (19.7%) 0.00 32
    2023-08-01 $309,000 (-1.8%) $346,752 (12.4%) 0.00 29
    2023-09-01 $287,450 (1.6%) $322,482 (6.5%) 0.00 32
    2023-10-01 $268,750 (3.4%) $307,268 (-0.8%) 0.00 37
    2023-11-01 $258,225 (-8.6%) $290,588 (-10.2%) 0.00 43
    2023-12-01 $269,950 (-5.3%) $290,271 (-8.5%) 0.00 39
    2024-01-01 $284,925 (2.1%) $314,554 (2.4%) 0.00 38
    2024-02-01 $298,725 (4.3%) $317,596 (-4.5%) 0.00 39
    2024-03-01 $300,000 (-3.9%) $311,244 (-12.3%) 0.00 45
    2024-04-01 $296,750 (-0.3%) $309,326 (-4.8%) 0.00 45
    2024-05-01 $274,775 (2.9%) $296,765 (-6.8%) 0.00 46
    2024-06-01 $288,050 (0.2%) $292,660 (-8.6%) 0.00 50
    2024-07-01 $296,000 (0.4%) $304,728 (-9.2%) 0.00 54
    2024-08-01 $297,300 (-3.8%) $300,711 (-13.3%) 0.00 57
    2024-09-01 $289,850 (0.8%) $291,799 (-9.5%) 0.00 61
    2024-10-01 $292,500 (8.8%) $300,587 (-2.2%) 0.00 57
    2024-11-01 $287,300 (11.3%) $298,179 (2.6%) 0.00 64
    2024-12-01 $289,500 (7.2%) $301,882 (4.0%) 0.00 65
    2025-01-01 $283,475 (-0.5%) $298,068 (-5.2%) 0.00 68
    Dodge City's median listing price for 2025-01-01 was $283,475, a difference of $-1,450 (-0.5%) versus the prior year and $-6,025 versus the prior month.

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

    Dodge City's average listing price for 2025-01-01 was $298,068, a difference of $-16,486 (-5.2%) versus the prior year and $-3,814 versus the prior month.

    For the 2025-01-01 period, Dodge City had 68 MLS listings, a difference of 3 listings (5%) versus the prior month and 30 listings (79%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Dodge City (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,458 sqft
    2018-02-01 0 days 1,457 sqft
    2018-03-01 0 days 1,457 sqft
    2018-04-01 0 days 1,432 sqft
    2018-05-01 0 days 1,458 sqft
    2018-06-01 0 days 1,448 sqft
    2018-07-01 0 days 1,450 sqft
    2018-08-01 0 days 1,459 sqft
    2018-09-01 0 days 1,476 sqft
    2018-10-01 0 days 1,471 sqft
    2018-11-01 0 days 1,476 sqft
    2018-12-01 0 days 1,476 sqft
    2019-01-01 0 days 1,472 sqft
    2019-02-01 0 days 1,477 sqft
    2019-03-01 0 days 1,471 sqft
    2019-04-01 0 days 1,480 sqft
    2019-05-01 0 days 1,458 sqft
    2019-06-01 0 days 1,467 sqft
    2019-07-01 0 days 1,431 sqft
    2019-08-01 0 days 1,454 sqft
    2019-09-01 0 days 1,471 sqft
    2019-10-01 0 days 1,462 sqft
    2019-11-01 0 days 1,438 sqft
    2019-12-01 0 days 1,431 sqft
    2020-01-01 0 days 1,437 sqft
    2020-02-01 0 days 1,455 sqft
    2020-03-01 0 days 1,468 sqft
    2020-04-01 0 days 1,413 sqft
    2020-05-01 0 days 1,394 sqft
    2020-06-01 0 days 1,444 sqft
    2020-07-01 0 days 1,414 sqft
    2020-08-01 0 days 1,448 sqft
    2020-09-01 0 days 1,448 sqft
    2020-10-01 0 days 1,484 sqft
    2020-11-01 0 days 1,468 sqft
    2020-12-01 0 days 1,453 sqft
    2021-01-01 0 days 1,465 sqft
    2021-02-01 0 days 1,458 sqft
    2021-03-01 0 days 1,431 sqft
    2021-04-01 0 days 1,403 sqft
    2021-05-01 0 days 1,468 sqft
    2021-06-01 0 days 1,534 sqft
    2021-07-01 0 days 1,921 sqft
    2021-08-01 0 days 1,353 sqft
    2021-09-01 0 days 1,225 sqft
    2021-10-01 0 days 1,458 sqft
    2021-11-01 0 days 1,568 sqft
    2021-12-01 0 days 1,453 sqft
    2022-01-01 0 days 1,240 sqft
    2022-02-01 0 days 1,255 sqft
    2022-03-01 0 days 1,260 sqft
    2022-04-01 0 days 1,289 sqft
    2022-05-01 0 days 1,558 sqft
    2022-06-01 0 days 1,516 sqft
    2022-07-01 0 days 1,524 sqft
    2022-08-01 0 days 1,660 sqft
    2022-09-01 0 days 1,601 sqft
    2022-10-01 0 days 1,572 sqft
    2022-11-01 0 days 1,532 sqft
    2022-12-01 0 days 1,538 sqft
    2023-01-01 0 days 1,562 sqft
    2023-02-01 0 days 1,601 sqft
    2023-03-01 0 days 1,787 sqft
    2023-04-01 0 days 1,735 sqft
    2023-05-01 0 days 1,800 sqft
    2023-06-01 0 days 1,719 sqft
    2023-07-01 0 days 1,612 sqft
    2023-08-01 0 days 1,760 sqft
    2023-09-01 0 days 1,491 sqft
    2023-10-01 0 days 1,458 sqft
    2023-11-01 0 days 1,484 sqft
    2023-12-01 0 days 1,511 sqft
    2024-01-01 0 days 1,518 sqft
    2024-02-01 0 days 1,610 sqft
    2024-03-01 0 days 1,572 sqft
    2024-04-01 0 days 1,561 sqft
    2024-05-01 0 days 1,539 sqft
    2024-06-01 0 days 1,522 sqft
    2024-07-01 0 days 1,574 sqft
    2024-08-01 0 days 1,484 sqft
    2024-09-01 0 days 1,494 sqft
    2024-10-01 0 days 1,545 sqft
    2024-11-01 0 days 1,456 sqft
    2024-12-01 0 days 1,504 sqft
    2025-01-01 0 days 1,448 sqft
    Dodge City's median listing age (time on market) for 2025-01-01 was 0 days.

    Dodge City's median square footage for active listings during the 2025-01-01 period was 1,448 sqft. One year prior, the average listing was 1,518 sqft.