Ellensburg USDA Loan Rates, Closing Costs & Stats

Ellensburg, WA

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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.

    Ellensburg USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Ellensburg averaged 6.35% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

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

    The average rate for the prior week (2024-12-06) was 6.08% and one month ago for the week of 2024-11-08, the average rate was 6.5%.

    The average rate one year ago was 6.97%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.3%.

    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
    2024-04-01 $756,250 (-3.0%) $1,065,487 (-10.5%) 0.00 221
    2024-05-01 $746,737 (-6.6%) $1,046,948 (-7.8%) 0.00 310
    2024-06-01 $749,000 (-3.9%) $1,064,928 (-6.4%) 0.00 332
    2024-07-01 $740,998 (-1.2%) $1,053,171 (-3.8%) 0.00 361
    2024-08-01 $749,500 (4.1%) $1,090,640 (2.8%) 0.00 361
    2024-09-01 $727,475 (3.9%) $1,072,651 (8.9%) 0.00 365
    2024-10-01 $709,488 (-2.7%) $1,058,302 (7.0%) 0.00 360
    2024-11-01 $699,000 (-6.8%) $1,020,241 (-5.6%) 0.00 317
    Ellensburg's median listing price for 2024-11-01 was $699,000, a difference of $-50,988 (-6.8%) versus the prior year and $-10,488 versus the prior month.

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

    Ellensburg's average listing price for 2024-11-01 was $1,020,241, a difference of $-59,968 (-5.6%) versus the prior year and $-38,061 versus the prior month.

    For the 2024-11-01 period, Ellensburg had 317 MLS listings, a difference of -43 listings (-12%) versus the prior month and 90 listings (40%) 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
    2024-04-01 0 days 2,109 sqft
    2024-05-01 0 days 2,088 sqft
    2024-06-01 0 days 2,040 sqft
    2024-07-01 0 days 2,023 sqft
    2024-08-01 0 days 2,082 sqft
    2024-09-01 0 days 1,954 sqft
    2024-10-01 0 days 1,965 sqft
    2024-11-01 0 days 1,910 sqft
    Ellensburg's median listing age (time on market) for 2024-11-01 was 0 days.

    Ellensburg's median square footage for active listings during the 2024-11-01 period was 1,910 sqft. One year prior, the average listing was 2,120 sqft.