Enid USDA Loan Rates, Closing Costs & Stats

ENID, OK

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.

Enid's 1 lenders originated 3 USDA loans during 2023. The total origination value was $255,000, with an average USDA loan value of $85,000.

Enid USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Enid averaged -0.14% for the week of 2024-11-29, compared to the national average (all USDA variants) of 0% for the same period.

Enid's average USDA mortgage closing costs are $4,719.

The average rate for the prior week (2024-11-22) was 6.57% and one month ago for the week of 2024-10-25, the average rate was 6.47%.

The average rate one year ago was 6.97%.

For refis of the same type during the week of 2024-11-29, the average rate was -0.2%.

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

Enid 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 Enid level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
BOKF 1 7.13% $4,257

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

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


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Enid (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 $147,100 (-8.0%) $187,567 (-1.2%) 0.00 284
2018-02-01 $142,225 (-13.5%) $182,857 (-5.6%) 0.00 273
2018-03-01 $149,950 (-9.1%) $189,762 (-1.8%) 0.00 274
2018-04-01 $153,550 (-7.8%) $195,155 (-1.2%) 0.00 271
2018-05-01 $152,675 (-10.1%) $197,506 (0.2%) 0.00 276
2018-06-01 $159,000 (-4.2%) $198,887 (0.1%) 0.00 285
2018-07-01 $153,450 (-9.2%) $196,389 (-3.5%) 0.00 308
2018-08-01 $157,450 (-3.9%) $206,114 (1.9%) 0.00 304
2018-09-01 $165,900 (6.0%) $209,988 (7.8%) 0.00 301
2018-10-01 $167,500 (11.2%) $212,531 (12.4%) 0.00 283
2018-11-01 $161,825 (9.3%) $212,436 (12.1%) 0.00 276
2018-12-01 $159,900 (9.2%) $205,089 (9.2%) 0.00 258
2019-01-01 $165,500 (12.5%) $208,659 (11.3%) 0.00 246
2019-02-01 $165,250 (16.2%) $211,602 (15.7%) 0.00 250
2019-03-01 $175,786 (17.2%) $211,017 (11.2%) 0.00 267
2019-04-01 $176,511 (15.0%) $208,870 (7.0%) 0.00 274
2019-05-01 $161,875 (6.0%) $199,971 (1.3%) 0.00 287
2019-06-01 $167,250 (5.2%) $206,264 (3.7%) 0.00 293
2019-07-01 $166,875 (8.8%) $206,287 (5.0%) 0.00 277
2019-08-01 $169,655 (7.8%) $209,085 (1.4%) 0.00 269
2019-09-01 $169,286 (2.0%) $207,747 (-1.1%) 0.00 265
2019-10-01 $169,041 (0.9%) $206,856 (-2.7%) 0.00 262
2019-11-01 $169,900 (5.0%) $205,724 (-3.2%) 0.00 264
2019-12-01 $159,900 (0.0%) $194,269 (-5.3%) 0.00 252
2020-01-01 $152,625 (-7.8%) $188,339 (-9.7%) 0.00 253
2020-02-01 $154,950 (-6.2%) $187,959 (-11.2%) 0.00 246
2020-03-01 $174,825 (-0.6%) $210,605 (-0.2%) 0.00 231
2020-04-01 $171,500 (-2.8%) $209,018 (0.1%) 0.00 239
2020-05-01 $174,450 (7.8%) $210,861 (5.5%) 0.00 220
2020-06-01 $171,450 (2.5%) $209,788 (1.7%) 0.00 213
2020-07-01 $170,000 (1.9%) $213,059 (3.3%) 0.00 196
2020-08-01 $169,900 (0.1%) $211,872 (1.3%) 0.00 181
2020-09-01 $171,975 (1.6%) $213,303 (2.7%) 0.00 180
2020-10-01 $176,200 (4.2%) $206,144 (-0.3%) 0.00 188
2020-11-01 $174,925 (3.0%) $199,125 (-3.2%) 0.00 169
2020-12-01 $174,500 (9.1%) $197,553 (1.7%) 0.00 157
2021-01-01 $169,900 (11.3%) $197,611 (4.9%) 0.00 141
2021-02-01 $157,875 (1.9%) $189,783 (1.0%) 0.00 129
2021-03-01 $157,700 (-9.8%) $188,392 (-10.6%) 0.00 119
2021-04-01 $157,825 (-8.0%) $190,551 (-8.8%) 0.00 108
2021-05-01 $152,450 (-12.6%) $200,909 (-4.7%) 0.00 103
2021-06-01 $164,950 (-3.8%) $209,669 (-0.1%) 0.00 102
2021-07-01 $159,900 (-5.9%) $204,123 (-4.2%) 0.00 126
2021-08-01 $149,900 (-11.8%) $196,500 (-7.3%) 0.00 157
2021-09-01 $146,225 (-15.0%) $202,293 (-5.2%) 0.00 153
2021-10-01 $149,900 (-14.9%) $209,934 (1.8%) 0.00 151
2021-11-01 $148,425 (-15.2%) $213,080 (7.0%) 0.00 152
2021-12-01 $148,900 (-14.7%) $216,678 (9.7%) 0.00 143
2022-01-01 $138,700 (-18.4%) $215,582 (9.1%) 0.00 125
2022-02-01 $128,700 (-18.5%) $217,940 (14.8%) 0.00 113
2022-03-01 $134,250 (-14.9%) $241,245 (28.1%) 0.00 88
2022-04-01 $155,000 (-1.8%) $253,429 (33.0%) 0.00 81
2022-05-01 $174,925 (14.7%) $261,459 (30.1%) 0.00 86
2022-06-01 $179,575 (8.9%) $264,129 (26.0%) 0.00 91
2022-07-01 $182,000 (13.8%) $229,323 (12.4%) 0.00 112
2022-08-01 $182,375 (21.7%) $224,185 (14.1%) 0.00 124
2022-09-01 $188,000 (28.6%) $233,524 (15.4%) 0.00 129
2022-10-01 $190,000 (26.8%) $234,207 (11.6%) 0.00 142
2022-11-01 $192,000 (29.4%) $224,584 (5.4%) 0.00 144
2022-12-01 $196,200 (31.8%) $221,287 (2.1%) 0.00 143
2023-01-01 $199,900 (44.1%) $237,516 (10.2%) 0.00 131
2023-02-01 $199,800 (55.2%) $235,619 (8.1%) 0.00 138
2023-03-01 $236,225 (76.0%) $265,325 (10.0%) 0.00 128
2023-04-01 $239,950 (54.8%) $259,196 (2.3%) 0.00 134
2023-05-01 $276,100 (57.8%) $275,652 (5.4%) 0.00 128
2023-06-01 $229,450 (27.8%) $261,327 (-1.1%) 0.00 121
2023-07-01 $224,700 (23.5%) $260,212 (13.5%) 0.00 127
2023-08-01 $217,875 (19.5%) $254,745 (13.6%) 0.00 136
2023-09-01 $195,900 (4.2%) $242,166 (3.7%) 0.00 153
2023-10-01 $219,950 (15.8%) $264,323 (12.9%) 0.00 151
2023-11-01 $219,450 (14.3%) $262,814 (17.0%) 0.00 152
2023-12-01 $230,000 (17.2%) $267,021 (20.7%) 0.00 164
2024-01-01 $247,475 (23.8%) $277,537 (16.9%) 0.00 162
2024-02-01 $243,950 (22.1%) $266,931 (13.3%) 0.00 175
2024-03-01 $237,900 (0.7%) $256,774 (-3.2%) 0.00 167
2024-04-01 $235,900 (-1.7%) $252,561 (-2.6%) 0.00 163
2024-05-01 $222,500 (-19.4%) $253,693 (-8.0%) 0.00 170
2024-06-01 $235,900 (2.8%) $265,241 (1.5%) 0.00 168
2024-07-01 $230,150 (2.4%) $260,336 (0.1%) 0.00 178
2024-08-01 $240,000 (10.2%) $274,720 (7.8%) 0.00 166
2024-09-01 $239,925 (22.5%) $266,296 (10.0%) 0.00 172
2024-10-01 $200,975 (-8.6%) $246,260 (-6.8%) 0.00 170
Enid's median listing price for 2024-10-01 was $200,975, a difference of $-18,975 (-8.6%) versus the prior year and $-38,950 versus the prior month.

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

Enid's average listing price for 2024-10-01 was $246,260, a difference of $-18,063 (-6.8%) versus the prior year and $-20,036 versus the prior month.

For the 2024-10-01 period, Enid had 170 MLS listings, a difference of -2 listings (-1%) versus the prior month and 19 listings (13%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Enid (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,906 sqft
2018-02-01 0 days 1,898 sqft
2018-03-01 0 days 1,914 sqft
2018-04-01 0 days 1,935 sqft
2018-05-01 0 days 1,940 sqft
2018-06-01 0 days 1,904 sqft
2018-07-01 0 days 1,876 sqft
2018-08-01 0 days 1,838 sqft
2018-09-01 0 days 1,844 sqft
2018-10-01 0 days 1,863 sqft
2018-11-01 0 days 1,840 sqft
2018-12-01 0 days 1,824 sqft
2019-01-01 0 days 1,869 sqft
2019-02-01 0 days 1,925 sqft
2019-03-01 0 days 1,924 sqft
2019-04-01 0 days 1,923 sqft
2019-05-01 0 days 1,871 sqft
2019-06-01 0 days 1,803 sqft
2019-07-01 0 days 1,808 sqft
2019-08-01 0 days 1,825 sqft
2019-09-01 0 days 1,816 sqft
2019-10-01 0 days 1,810 sqft
2019-11-01 0 days 1,819 sqft
2019-12-01 0 days 1,761 sqft
2020-01-01 0 days 1,737 sqft
2020-02-01 0 days 1,730 sqft
2020-03-01 0 days 1,833 sqft
2020-04-01 0 days 1,870 sqft
2020-05-01 0 days 1,879 sqft
2020-06-01 0 days 1,855 sqft
2020-07-01 0 days 1,918 sqft
2020-08-01 0 days 1,931 sqft
2020-09-01 0 days 1,965 sqft
2020-10-01 0 days 1,858 sqft
2020-11-01 0 days 1,886 sqft
2020-12-01 0 days 1,844 sqft
2021-01-01 0 days 1,845 sqft
2021-02-01 0 days 1,736 sqft
2021-03-01 0 days 1,799 sqft
2021-04-01 0 days 1,880 sqft
2021-05-01 0 days 1,796 sqft
2021-06-01 0 days 1,800 sqft
2021-07-01 0 days 1,812 sqft
2021-08-01 0 days 1,695 sqft
2021-09-01 0 days 1,640 sqft
2021-10-01 0 days 1,686 sqft
2021-11-01 0 days 1,697 sqft
2021-12-01 0 days 1,698 sqft
2022-01-01 0 days 1,647 sqft
2022-02-01 0 days 1,553 sqft
2022-03-01 0 days 1,575 sqft
2022-04-01 0 days 1,620 sqft
2022-05-01 0 days 1,687 sqft
2022-06-01 0 days 1,780 sqft
2022-07-01 0 days 1,757 sqft
2022-08-01 0 days 1,819 sqft
2022-09-01 0 days 1,848 sqft
2022-10-01 0 days 1,864 sqft
2022-11-01 0 days 1,849 sqft
2022-12-01 0 days 1,750 sqft
2023-01-01 0 days 1,755 sqft
2023-02-01 0 days 1,744 sqft
2023-03-01 0 days 1,796 sqft
2023-04-01 0 days 1,850 sqft
2023-05-01 0 days 1,937 sqft
2023-06-01 0 days 1,786 sqft
2023-07-01 0 days 1,797 sqft
2023-08-01 0 days 1,748 sqft
2023-09-01 0 days 1,754 sqft
2023-10-01 0 days 1,812 sqft
2023-11-01 0 days 1,803 sqft
2023-12-01 0 days 1,867 sqft
2024-01-01 0 days 1,952 sqft
2024-02-01 0 days 1,995 sqft
2024-03-01 0 days 1,925 sqft
2024-04-01 0 days 1,921 sqft
2024-05-01 0 days 1,874 sqft
2024-06-01 0 days 1,920 sqft
2024-07-01 0 days 1,906 sqft
2024-08-01 0 days 2,020 sqft
2024-09-01 0 days 1,992 sqft
2024-10-01 0 days 1,874 sqft
Enid's median listing age (time on market) for 2024-10-01 was 0 days.

Enid's median square footage for active listings during the 2024-10-01 period was 1,874 sqft. One year prior, the average listing was 1,812 sqft.