Ellensburg USDA Loan Rates, Closing Costs & Stats

Ellensburg, 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.

Ellensburg USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Ellensburg averaged 6.85% for the week of 2024-04-12, compared to the national average (all USDA variants) of 6.705% for the same period.

Ellensburg's average USDA mortgage closing costs are $6,770.

The average rate for the prior week (2024-04-05) was 6.57% and one month ago for the week of 2024-03-08, the average rate was 6.33%.

The average rate one year ago was 6.44%.

For refis of the same type during the week of 2024-04-12, the average rate was 6.71%.

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

Ellensburg 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 Ellensburg level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs

The lowest fee Ellensburg USDA lenders (with over 10 loans originated) are .

The lowest rate Ellensburg USDA lenders (with over 10 loans originated) are .


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Ellensburg (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 $383,750 (-2.2%) $512,916 (-7.5%) 0.00 87
2018-02-01 $387,000 (0.3%) $519,535 (-5.9%) 0.00 74
2018-03-01 $399,475 (11.9%) $523,879 (-4.9%) 0.00 84
2018-04-01 $404,250 (10.8%) $541,873 (-1.7%) 0.00 111
2018-05-01 $438,248 (9.4%) $580,159 (7.2%) 0.00 133
2018-06-01 $419,950 (-2.8%) $591,419 (5.0%) 0.00 176
2018-07-01 $408,963 (-9.0%) $694,283 (21.9%) 0.00 192
2018-08-01 $407,475 (-9.3%) $699,171 (30.2%) 0.00 188
2018-09-01 $399,000 (-9.1%) $664,421 (22.3%) 0.00 228
2018-10-01 $395,100 (-4.2%) $671,017 (25.3%) 0.00 215
2018-11-01 $396,725 (-2.6%) $673,308 (26.1%) 0.00 189
2018-12-01 $399,000 (3.6%) $707,831 (43.6%) 0.00 157
2019-01-01 $403,337 (5.1%) $756,908 (47.6%) 0.00 125
2019-02-01 $428,750 (10.8%) $822,593 (58.3%) 0.00 108
2019-03-01 $436,429 (9.3%) $810,945 (54.8%) 0.00 122
2019-04-01 $432,416 (7.0%) $774,497 (42.9%) 0.00 147
2019-05-01 $448,000 (2.2%) $792,148 (36.5%) 0.00 165
2019-06-01 $424,975 (1.2%) $756,260 (27.9%) 0.00 192
2019-07-01 $414,475 (1.4%) $749,125 (7.9%) 0.00 196
2019-08-01 $413,675 (1.5%) $744,713 (6.5%) 0.00 193
2019-09-01 $405,688 (1.7%) $747,483 (12.5%) 0.00 189
2019-10-01 $399,238 (1.1%) $741,337 (10.5%) 0.00 185
2019-11-01 $404,475 (2.0%) $804,590 (19.5%) 0.00 145
2019-12-01 $395,000 (-1.0%) $906,236 (28.0%) 0.00 112
2020-01-01 $395,000 (-2.1%) $955,607 (26.3%) 0.00 85
2020-02-01 $395,000 (-7.9%) $963,929 (17.2%) 0.00 79
2020-03-01 $427,488 (-2.1%) $861,677 (6.3%) 0.00 101
2020-04-01 $435,000 (0.6%) $797,957 (3.0%) 0.00 115
2020-05-01 $424,925 (-5.2%) $811,599 (2.5%) 0.00 117
2020-06-01 $459,725 (8.2%) $814,120 (7.7%) 0.00 131
2020-07-01 $506,235 (22.1%) $938,933 (25.3%) 0.00 125
2020-08-01 $539,999 (30.5%) $947,672 (27.3%) 0.00 128
2020-09-01 $539,749 (33.1%) $1,006,703 (34.7%) 0.00 118
2020-10-01 $554,500 (38.9%) $1,041,855 (40.5%) 0.00 109
2020-11-01 $594,500 (47.0%) $1,267,192 (57.5%) 0.00 66
2020-12-01 $612,000 (54.9%) $1,371,229 (51.3%) 0.00 44
2021-01-01 $699,000 (77.0%) $1,710,049 (79.0%) 0.00 35
2021-02-01 $494,250 (25.1%) $1,695,657 (75.9%) 0.00 34
2021-03-01 $488,745 (14.3%) $1,651,667 (91.7%) 0.00 35
2021-04-01 $540,000 (24.1%) $1,450,029 (81.7%) 0.00 43
2021-05-01 $525,000 (23.6%) $1,267,091 (56.1%) 0.00 63
2021-06-01 $538,735 (17.2%) $1,157,454 (42.2%) 0.00 87
2021-07-01 $599,995 (18.5%) $1,091,194 (16.2%) 0.00 109
2021-08-01 $633,000 (17.2%) $1,178,492 (24.4%) 0.00 114
2021-09-01 $643,499 (19.2%) $1,149,173 (14.2%) 0.00 113
2021-10-01 $650,000 (17.2%) $1,181,832 (13.4%) 0.00 103
2021-11-01 $636,750 (7.1%) $1,260,290 (-0.5%) 0.00 86
2021-12-01 $650,750 (6.3%) $1,353,377 (-1.3%) 0.00 66
2022-01-01 $734,745 (5.1%) $1,719,880 (0.6%) 0.00 40
2022-02-01 $764,995 (54.8%) $1,854,731 (9.4%) 0.00 32
2022-03-01 $950,499 (94.5%) $2,031,258 (23.0%) 0.00 30
2022-04-01 $839,000 (55.4%) $1,755,140 (21.0%) 0.00 51
2022-05-01 $756,750 (44.1%) $1,335,854 (5.4%) 0.00 78
2022-06-01 $817,500 (51.7%) $1,221,690 (5.6%) 0.00 134
2022-07-01 $749,000 (24.8%) $1,155,650 (5.9%) 0.00 153
2022-08-01 $691,213 (9.2%) $961,923 (-18.4%) 0.00 158
2022-09-01 $691,213 (7.4%) $977,966 (-14.9%) 0.00 143
2022-10-01 $699,475 (7.6%) $1,035,509 (-12.4%) 0.00 152
2022-11-01 $690,725 (8.5%) $1,020,120 (-19.1%) 0.00 152
2022-12-01 $704,750 (8.3%) $1,042,386 (-23.0%) 0.00 124
2023-01-01 $734,713 (0.0%) $1,044,715 (-39.3%) 0.00 105
2023-02-01 $689,000 (-9.9%) $1,028,447 (-44.6%) 0.00 91
2023-03-01 $762,488 (-19.8%) $1,204,180 (-40.7%) 0.00 93
2023-04-01 $780,000 (-7.0%) $1,190,514 (-32.2%) 0.00 107
2023-05-01 $799,725 (5.7%) $1,135,425 (-15.0%) 0.00 136
2023-06-01 $779,500 (-4.7%) $1,138,229 (-6.8%) 0.00 181
2023-07-01 $749,950 (0.1%) $1,094,371 (-5.3%) 0.00 213
2023-08-01 $719,963 (4.2%) $1,061,168 (10.3%) 0.00 210
2023-09-01 $699,950 (1.3%) $985,063 (0.7%) 0.00 207
2023-10-01 $729,238 (4.3%) $989,124 (-4.5%) 0.00 194
2023-11-01 $749,988 (8.6%) $1,080,209 (5.9%) 0.00 227
2023-12-01 $695,000 (-1.4%) $1,077,083 (3.3%) 0.00 192
2024-01-01 $693,474 (-5.6%) $1,097,903 (5.1%) 0.00 154
2024-02-01 $704,725 (2.3%) $1,086,600 (5.7%) 0.00 137
2024-03-01 $749,950 (-1.6%) $1,079,497 (-10.4%) 0.00 158
Ellensburg's median listing price for 2024-03-01 was $749,950, a difference of $-12,538 (-1.6%) versus the prior year and $45,225 versus the prior month.

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

Ellensburg's average listing price for 2024-03-01 was $1,079,497, a difference of $-124,683 (-10.4%) versus the prior year and $-7,103 versus the prior month.

For the 2024-03-01 period, Ellensburg had 158 MLS listings, a difference of 21 listings (15%) versus the prior month and 65 listings (70%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Ellensburg (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,898 sqft
2018-02-01 0 days 1,956 sqft
2018-03-01 0 days 2,010 sqft
2018-04-01 0 days 1,972 sqft
2018-05-01 0 days 2,106 sqft
2018-06-01 0 days 1,989 sqft
2018-07-01 0 days 1,858 sqft
2018-08-01 0 days 1,948 sqft
2018-09-01 0 days 2,043 sqft
2018-10-01 0 days 2,042 sqft
2018-11-01 0 days 2,042 sqft
2018-12-01 0 days 2,106 sqft
2019-01-01 0 days 2,116 sqft
2019-02-01 0 days 2,119 sqft
2019-03-01 0 days 2,069 sqft
2019-04-01 0 days 2,039 sqft
2019-05-01 0 days 2,081 sqft
2019-06-01 0 days 1,949 sqft
2019-07-01 0 days 1,873 sqft
2019-08-01 0 days 1,884 sqft
2019-09-01 0 days 1,856 sqft
2019-10-01 0 days 1,818 sqft
2019-11-01 0 days 1,913 sqft
2019-12-01 0 days 1,777 sqft
2020-01-01 0 days 1,724 sqft
2020-02-01 0 days 1,809 sqft
2020-03-01 0 days 1,898 sqft
2020-04-01 0 days 1,850 sqft
2020-05-01 0 days 1,976 sqft
2020-06-01 0 days 1,938 sqft
2020-07-01 0 days 2,065 sqft
2020-08-01 0 days 2,200 sqft
2020-09-01 0 days 2,182 sqft
2020-10-01 0 days 2,150 sqft
2020-11-01 0 days 2,049 sqft
2020-12-01 0 days 2,069 sqft
2021-01-01 0 days 2,418 sqft
2021-02-01 0 days 2,082 sqft
2021-03-01 0 days 1,853 sqft
2021-04-01 0 days 1,869 sqft
2021-05-01 0 days 1,782 sqft
2021-06-01 0 days 1,809 sqft
2021-07-01 0 days 2,091 sqft
2021-08-01 0 days 2,198 sqft
2021-09-01 0 days 2,139 sqft
2021-10-01 0 days 2,162 sqft
2021-11-01 0 days 2,106 sqft
2021-12-01 0 days 2,147 sqft
2022-01-01 0 days 2,209 sqft
2022-02-01 0 days 2,460 sqft
2022-03-01 0 days 2,528 sqft
2022-04-01 0 days 2,219 sqft
2022-05-01 0 days 2,114 sqft
2022-06-01 0 days 2,055 sqft
2022-07-01 0 days 2,009 sqft
2022-08-01 0 days 1,957 sqft
2022-09-01 0 days 2,019 sqft
2022-10-01 0 days 2,252 sqft
2022-11-01 0 days 2,271 sqft
2022-12-01 0 days 2,268 sqft
2023-01-01 0 days 2,219 sqft
2023-02-01 0 days 2,114 sqft
2023-03-01 0 days 2,243 sqft
2023-04-01 0 days 2,245 sqft
2023-05-01 0 days 2,266 sqft
2023-06-01 0 days 2,269 sqft
2023-07-01 0 days 2,206 sqft
2023-08-01 0 days 2,152 sqft
2023-09-01 0 days 2,029 sqft
2023-10-01 0 days 2,010 sqft
2023-11-01 0 days 2,120 sqft
2023-12-01 0 days 2,135 sqft
2024-01-01 0 days 2,135 sqft
2024-02-01 0 days 2,081 sqft
2024-03-01 0 days 2,135 sqft
Ellensburg's median listing age (time on market) for 2024-03-01 was 0 days.

Ellensburg's median square footage for active listings during the 2024-03-01 period was 2,135 sqft. One year prior, the average listing was 2,243 sqft.