Hailey USDA Loan Rates, Closing Costs & Stats

Hailey, ID

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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.

    Hailey's 5 lenders originated 13 USDA loans during 2021. The total origination value was $3,535,000, with an average USDA loan value of $271,923.

    Hailey USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Hailey averaged 5.92% for the week of 2023-01-27, compared to the national average (all USDA variants) of 6.195% for the same period.

    Hailey's average USDA mortgage closing costs are $6,351.

    The average rate for the prior week (2023-01-20) was 6.11% and one month ago for the week of 2022-12-23, the average rate was 6.24%.

    The average rate one year ago was 3.59%.

    For refis of the same type during the week of 2023-01-27, the average rate was 5.94%.

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

    Hailey 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 Hailey level.

    Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
    Flagstar Bank, FSB 8 2.66% $5,832
    UNITED WHOLESALE MORTGAGE, LLC 2 2.69% $7,619
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 2.99% $6,459
    GUILD MORTGAGE COMPANY 1 2.88% $9,499
    Wells Fargo Bank 1 3.25% $5,253

    The top Hailey USDA lender as defined by loan originations is Flagstar Bank, FSB, with 8 USDA loans originated. Their average total fees are $5,832, which is $1,788 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Hailey (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 $940,000 (20.4%) $1,719,142 (11.4%) 0.00 459
    2018-02-01 $969,250 (22.3%) $1,806,920 (15.3%) 0.00 446
    2018-03-01 $947,000 (18.5%) $1,751,845 (6.9%) 0.00 432
    2018-04-01 $897,000 (17.1%) $1,695,587 (6.5%) 0.00 424
    2018-05-01 $862,000 (12.2%) $1,635,362 (10.3%) 0.00 430
    2018-06-01 $875,000 (14.8%) $1,706,426 (16.0%) 0.00 498
    2018-07-01 $872,000 (12.5%) $1,723,226 (15.8%) 0.00 540
    2018-08-01 $876,250 (14.8%) $1,788,922 (20.2%) 0.00 531
    2018-09-01 $869,000 (12.9%) $1,791,708 (19.6%) 0.00 508
    2018-10-01 $873,750 (9.9%) $1,771,130 (13.8%) 0.00 466
    2018-11-01 $871,250 (1.3%) $1,781,675 (11.9%) 0.00 420
    2018-12-01 $875,000 (-2.2%) $1,818,277 (10.2%) 0.00 406
    2019-01-01 $875,000 (-6.9%) $1,855,547 (7.9%) 0.00 373
    2019-02-01 $892,000 (-8.0%) $1,890,835 (4.6%) 0.00 358
    2019-03-01 $1,043,286 (10.2%) $2,028,442 (15.8%) 0.00 337
    2019-04-01 $1,158,536 (29.2%) $2,115,446 (24.8%) 0.00 317
    2019-05-01 $982,500 (14.0%) $1,986,899 (21.5%) 0.00 341
    2019-06-01 $995,000 (13.7%) $2,022,952 (18.6%) 0.00 375
    2019-07-01 $976,000 (11.9%) $2,027,334 (17.7%) 0.00 398
    2019-08-01 $977,273 (11.5%) $2,019,576 (12.9%) 0.00 392
    2019-09-01 $1,018,182 (17.2%) $2,026,541 (13.1%) 0.00 367
    2019-10-01 $1,100,000 (25.9%) $2,084,042 (17.7%) 0.00 346
    2019-11-01 $1,195,000 (37.2%) $2,192,742 (23.1%) 0.00 309
    2019-12-01 $1,275,000 (45.7%) $2,244,509 (23.4%) 0.00 301
    2020-01-01 $1,330,000 (52.0%) $2,324,313 (25.3%) 0.00 267
    2020-02-01 $1,360,000 (52.5%) $2,332,286 (23.4%) 0.00 271
    2020-03-01 $1,260,000 (20.8%) $2,164,740 (6.7%) 0.00 282
    2020-04-01 $1,255,000 (8.3%) $2,103,274 (-0.6%) 0.00 274
    2020-05-01 $1,170,000 (19.1%) $2,079,441 (4.7%) 0.00 276
    2020-06-01 $1,110,000 (11.6%) $2,062,106 (1.9%) 0.00 312
    2020-07-01 $1,198,250 (22.8%) $2,041,263 (0.7%) 0.00 323
    2020-08-01 $1,195,000 (22.3%) $2,128,169 (5.4%) 0.00 288
    2020-09-01 $1,228,750 (20.7%) $2,255,024 (11.3%) 0.00 260
    2020-10-01 $1,395,000 (26.8%) $2,488,286 (19.4%) 0.00 196
    2020-11-01 $1,631,250 (36.5%) $2,847,026 (29.8%) 0.00 151
    2020-12-01 $1,647,500 (29.2%) $2,881,208 (28.4%) 0.00 137
    2021-01-01 $1,800,000 (35.3%) $3,198,253 (37.6%) 0.00 97
    2021-02-01 $1,597,000 (17.4%) $3,276,117 (40.5%) 0.00 87
    2021-03-01 $1,473,250 (16.9%) $3,280,688 (51.6%) 0.00 82
    2021-04-01 $910,000 (-27.5%) $2,736,483 (30.1%) 0.00 93
    2021-05-01 $902,500 (-22.9%) $2,757,925 (32.6%) 0.00 97
    2021-06-01 $933,000 (-16.0%) $2,592,800 (25.7%) 0.00 107
    2021-07-01 $1,420,000 (18.5%) $2,740,800 (34.3%) 0.00 134
    2021-08-01 $1,537,500 (28.7%) $2,693,624 (26.6%) 0.00 150
    2021-09-01 $1,465,500 (19.3%) $2,791,377 (23.8%) 0.00 141
    2021-10-01 $1,287,500 (-7.7%) $2,428,565 (-2.4%) 0.00 131
    2021-11-01 $1,353,750 (-17.0%) $2,748,589 (-3.5%) 0.00 120
    2021-12-01 $1,500,000 (-9.0%) $2,907,010 (0.9%) 0.00 110
    2022-01-01 $1,837,500 (2.1%) $3,191,964 (-0.2%) 0.00 89
    2022-02-01 $2,036,250 (27.5%) $3,287,095 (0.3%) 0.00 80
    2022-03-01 $3,050,000 (107.0%) $3,694,728 (12.6%) 0.00 81
    2022-04-01 $1,800,000 (97.8%) $3,501,692 (28.0%) 0.00 84
    2022-05-01 $1,523,000 (68.8%) $3,641,190 (32.0%) 0.00 91
    2022-06-01 $1,661,250 (78.1%) $3,377,636 (30.3%) 0.00 137
    2022-07-01 $1,495,000 (5.3%) $3,104,249 (13.3%) 0.00 197
    2022-08-01 $1,320,000 (-14.2%) $2,716,453 (0.9%) 0.00 212
    2022-09-01 $1,437,500 (-1.9%) $2,781,918 (-0.3%) 0.00 208
    2022-10-01 $1,450,000 (12.6%) $2,916,014 (20.1%) 0.00 194
    2022-11-01 $1,550,000 (14.5%) $2,996,248 (9.0%) 0.00 181
    2022-12-01 $1,825,000 (21.7%) $3,311,875 (13.9%) 0.00 172
    Hailey's median listing price for 2022-12-01 was $1,825,000, a difference of $325,000 (21.7%) versus the prior year and $275,000 versus the prior month.

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

    Hailey's average listing price for 2022-12-01 was $3,311,875, a difference of $404,865 (13.9%) versus the prior year and $315,627 versus the prior month.

    For the 2022-12-01 period, Hailey had 172 MLS listings, a difference of -9 listings (-5%) versus the prior month and 62 listings (56%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Hailey (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,584 sqft
    2018-02-01 0 days 2,590 sqft
    2018-03-01 0 days 2,586 sqft
    2018-04-01 0 days 2,571 sqft
    2018-05-01 0 days 2,462 sqft
    2018-06-01 0 days 2,457 sqft
    2018-07-01 0 days 2,471 sqft
    2018-08-01 0 days 2,495 sqft
    2018-09-01 0 days 2,486 sqft
    2018-10-01 0 days 2,501 sqft
    2018-11-01 0 days 2,466 sqft
    2018-12-01 0 days 2,472 sqft
    2019-01-01 0 days 2,348 sqft
    2019-02-01 0 days 2,471 sqft
    2019-03-01 0 days 2,576 sqft
    2019-04-01 0 days 2,705 sqft
    2019-05-01 0 days 2,508 sqft
    2019-06-01 0 days 2,487 sqft
    2019-07-01 0 days 2,506 sqft
    2019-08-01 0 days 2,520 sqft
    2019-09-01 0 days 2,543 sqft
    2019-10-01 0 days 2,604 sqft
    2019-11-01 0 days 2,657 sqft
    2019-12-01 0 days 2,688 sqft
    2020-01-01 0 days 2,734 sqft
    2020-02-01 0 days 2,756 sqft
    2020-03-01 0 days 2,507 sqft
    2020-04-01 0 days 2,479 sqft
    2020-05-01 0 days 2,400 sqft
    2020-06-01 0 days 2,396 sqft
    2020-07-01 0 days 2,466 sqft
    2020-08-01 0 days 2,480 sqft
    2020-09-01 0 days 2,588 sqft
    2020-10-01 0 days 2,846 sqft
    2020-11-01 0 days 2,933 sqft
    2020-12-01 0 days 2,962 sqft
    2021-01-01 0 days 2,996 sqft
    2021-02-01 0 days 3,091 sqft
    2021-03-01 0 days 2,946 sqft
    2021-04-01 0 days 2,607 sqft
    2021-05-01 0 days 2,380 sqft
    2021-06-01 0 days 2,451 sqft
    2021-07-01 0 days 2,605 sqft
    2021-08-01 0 days 2,491 sqft
    2021-09-01 0 days 2,525 sqft
    2021-10-01 0 days 2,241 sqft
    2021-11-01 0 days 2,276 sqft
    2021-12-01 0 days 2,487 sqft
    2022-01-01 0 days 2,548 sqft
    2022-02-01 0 days 2,685 sqft
    2022-03-01 0 days 2,901 sqft
    2022-04-01 0 days 2,680 sqft
    2022-05-01 0 days 2,730 sqft
    2022-06-01 0 days 2,670 sqft
    2022-07-01 0 days 2,496 sqft
    2022-08-01 0 days 2,181 sqft
    2022-09-01 0 days 2,211 sqft
    2022-10-01 0 days 2,293 sqft
    2022-11-01 0 days 2,519 sqft
    2022-12-01 0 days 2,715 sqft
    Hailey's median listing age (time on market) for 2022-12-01 was 0 days.

    Hailey's median square footage for active listings during the 2022-12-01 period was 2,715 sqft. One year prior, the average listing was 2,487 sqft.