Enid USDA Loan Rates, Closing Costs & Stats

ENID, OK

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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.

    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 6.59% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

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

    The average rate for the prior week (2025-02-07) was 6.25% and one month ago for the week of 2025-01-10, the average rate was 6.3%.

    The average rate one year ago was 6.59%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.53%.

    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 $220,000 (-20.3%) $253,693 (-8.0%) 0.00 170
    2024-06-01 $235,900 (2.8%) $266,113 (1.8%) 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
    2024-11-01 $179,000 (-18.4%) $228,984 (-12.9%) 0.00 194
    2024-12-01 $177,000 (-23.0%) $223,949 (-16.1%) 0.00 193
    2025-01-01 $173,498 (-29.9%) $221,978 (-20.0%) 0.00 187
    Enid's median listing price for 2025-01-01 was $173,498, a difference of $-73,977 (-29.9%) versus the prior year and $-3,502 versus the prior month.

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

    Enid's average listing price for 2025-01-01 was $221,978, a difference of $-55,559 (-20.0%) versus the prior year and $-1,971 versus the prior month.

    For the 2025-01-01 period, Enid had 187 MLS listings, a difference of -6 listings (-3%) versus the prior month and 25 listings (15%) 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 1,901 sqft
    2018-02-01 0 days 1,898 sqft
    2018-03-01 0 days 1,909 sqft
    2018-04-01 0 days 1,935 sqft
    2018-05-01 0 days 1,934 sqft
    2018-06-01 0 days 1,900 sqft
    2018-07-01 0 days 1,876 sqft
    2018-08-01 0 days 1,823 sqft
    2018-09-01 0 days 1,841 sqft
    2018-10-01 0 days 1,843 sqft
    2018-11-01 0 days 1,815 sqft
    2018-12-01 0 days 1,796 sqft
    2019-01-01 0 days 1,844 sqft
    2019-02-01 0 days 1,921 sqft
    2019-03-01 0 days 1,925 sqft
    2019-04-01 0 days 1,923 sqft
    2019-05-01 0 days 1,868 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 1,756 sqft
    2020-01-01 0 days 1,730 sqft
    2020-02-01 0 days 1,730 sqft
    2020-03-01 0 days 1,818 sqft
    2020-04-01 0 days 1,867 sqft
    2020-05-01 0 days 1,877 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 1,954 sqft
    2020-10-01 0 days 1,857 sqft
    2020-11-01 0 days 1,867 sqft
    2020-12-01 0 days 1,831 sqft
    2021-01-01 0 days 1,843 sqft
    2021-02-01 0 days 1,732 sqft
    2021-03-01 0 days 1,799 sqft
    2021-04-01 0 days 1,874 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 1,801 sqft
    2023-04-01 0 days 1,850 sqft
    2023-05-01 0 days 1,954 sqft
    2023-06-01 0 days 1,797 sqft
    2023-07-01 0 days 1,799 sqft
    2023-08-01 0 days 1,751 sqft
    2023-09-01 0 days 1,754 sqft
    2023-10-01 0 days 1,817 sqft
    2023-11-01 0 days 1,804 sqft
    2023-12-01 0 days 1,873 sqft
    2024-01-01 0 days 1,960 sqft
    2024-02-01 0 days 2,025 sqft
    2024-03-01 0 days 1,928 sqft
    2024-04-01 0 days 1,921 sqft
    2024-05-01 0 days 1,873 sqft
    2024-06-01 0 days 1,928 sqft
    2024-07-01 0 days 1,912 sqft
    2024-08-01 0 days 2,020 sqft
    2024-09-01 0 days 1,996 sqft
    2024-10-01 0 days 1,874 sqft
    2024-11-01 0 days 1,760 sqft
    2024-12-01 0 days 1,711 sqft
    2025-01-01 0 days 1,680 sqft
    Enid's median listing age (time on market) for 2025-01-01 was 0 days.

    Enid's median square footage for active listings during the 2025-01-01 period was 1,680 sqft. One year prior, the average listing was 1,960 sqft.