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 USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Hailey averaged 6.37% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Hailey's average USDA mortgage closing costs are $6,356.

    The average rate for the prior week (2024-12-06) was 6.4% and one month ago for the week of 2024-11-08, the average rate was 6.42%.

    The average rate one year ago was 6.89%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.1%.

    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs

    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%) $1,794,518 (19.8%) 0.00 507
    2018-10-01 $876,250 (10.2%) $1,774,009 (14.0%) 0.00 465
    2018-11-01 $872,500 (1.5%) $1,784,994 (12.2%) 0.00 419
    2018-12-01 $882,000 (-1.5%) $1,821,757 (10.4%) 0.00 405
    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%) 0.00 340
    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%) 0.00 397
    2019-08-01 $991,000 (13.1%) $2,024,698 (13.2%) 0.00 390
    2019-09-01 $1,038,250 (19.5%) $2,033,535 (13.3%) 0.00 366
    2019-10-01 $1,118,750 (27.7%) $2,092,850 (18.0%) 0.00 344
    2019-11-01 $1,195,000 (37.0%) $2,202,598 (23.4%) 0.00 306
    2019-12-01 $1,285,000 (45.7%) $2,262,271 (24.2%) 0.00 298
    2020-01-01 $1,377,500 (57.4%) $2,345,013 (26.4%) 0.00 264
    2020-02-01 $1,395,000 (56.4%) $2,353,029 (24.4%) 0.00 268
    2020-03-01 $1,262,500 (21.0%) $2,177,705 (7.4%) 0.00 280
    2020-04-01 $1,262,500 (9.0%) $2,115,465 (0.0%) 0.00 272
    2020-05-01 $1,175,000 (19.6%) $2,085,147 (4.9%) 0.00 274
    2020-06-01 $1,115,000 (12.1%) $2,067,290 (2.2%) 0.00 311
    2020-07-01 $1,198,750 (22.8%) $2,046,219 (0.9%) 0.00 322
    2020-08-01 $1,197,500 (20.8%) $2,134,145 (5.4%) 0.00 287
    2020-09-01 $1,236,250 (19.1%) $2,261,941 (11.2%) 0.00 259
    2020-10-01 $1,395,000 (24.7%) $2,497,608 (19.3%) 0.00 195
    2020-11-01 $1,643,750 (37.6%) $2,862,493 (30.0%) 0.00 150
    2020-12-01 $1,648,750 (28.3%) $2,898,616 (28.1%) 0.00 136
    2021-01-01 $1,847,500 (34.1%) $3,221,034 (37.4%) 0.00 96
    2021-02-01 $1,603,000 (14.9%) $3,306,679 (40.5%) 0.00 86
    2021-03-01 $1,499,500 (18.8%) $3,314,199 (52.2%) 0.00 81
    2021-04-01 $917,250 (-27.4%) $2,760,153 (30.5%) 0.00 92
    2021-05-01 $917,500 (-21.9%) $2,799,943 (34.3%) 0.00 96
    2021-06-01 $956,500 (-14.2%) $2,620,116 (26.7%) 0.00 105
    2021-07-01 $1,475,000 (23.0%) $2,770,357 (35.4%) 0.00 132
    2021-08-01 $1,561,250 (30.4%) $2,720,334 (27.5%) 0.00 149
    2021-09-01 $1,472,500 (19.1%) $2,808,207 (24.2%) 0.00 140
    2021-10-01 $1,300,000 (-6.8%) $2,443,023 (-2.2%) 0.00 130
    2021-11-01 $1,363,750 (-17.0%) $2,767,623 (-3.3%) 0.00 119
    2021-12-01 $1,525,000 (-7.5%) $2,928,664 (1.0%) 0.00 109
    2022-01-01 $1,850,000 (0.1%) $3,226,198 (0.2%) 0.00 88
    2022-02-01 $2,147,500 (34.0%) $3,305,866 (0.0%) 0.00 79
    2022-03-01 $3,200,000 (113.4%) $3,734,713 (12.7%) 0.00 80
    2022-04-01 $2,100,000 (129.0%) $3,524,929 (27.7%) 0.00 83
    2022-05-01 $1,523,000 (66.0%) $3,641,190 (30.1%) 0.00 90
    2022-06-01 $1,667,500 (74.3%) $3,396,876 (29.7%) 0.00 136
    2022-07-01 $1,572,500 (6.6%) $3,117,284 (12.5%) 0.00 196
    2022-08-01 $1,345,000 (-13.9%) $2,727,040 (0.3%) 0.00 211
    2022-09-01 $1,439,500 (-2.2%) $2,792,947 (-0.5%) 0.00 207
    2022-10-01 $1,472,500 (13.3%) $2,928,819 (19.9%) 0.00 193
    2022-11-01 $1,583,750 (16.1%) $3,009,816 (8.8%) 0.00 180
    2022-12-01 $1,850,000 (21.3%) $3,328,993 (13.7%) 0.00 171
    2023-01-01 $1,872,500 (1.2%) $3,492,170 (8.2%) 0.00 149
    2023-02-01 $1,862,500 (-13.3%) $3,373,573 (2.1%) 0.00 142
    2023-03-01 $1,651,250 (-48.4%) $3,156,104 (-15.5%) 0.00 145
    2023-04-01 $1,550,000 (-26.2%) $3,084,558 (-12.5%) 0.00 131
    2023-05-01 $1,022,500 (-32.9%) $2,790,614 (-23.4%) 0.00 119
    2023-06-01 $1,633,750 (-2.0%) $2,979,517 (-12.3%) 0.00 157
    2023-07-01 $1,962,500 (24.8%) $3,088,402 (-0.9%) 0.00 203
    2023-08-01 $1,970,000 (46.5%) $3,277,402 (20.2%) 0.00 218
    2023-09-01 $1,972,500 (37.0%) $3,351,028 (20.0%) 0.00 212
    2023-10-01 $1,928,750 (31.0%) $3,347,207 (14.3%) 0.00 197
    2023-11-01 $1,941,250 (22.6%) $3,264,208 (8.5%) 0.00 170
    2023-12-01 $2,075,000 (12.2%) $3,255,784 (-2.2%) 0.00 174
    2024-01-01 $2,072,500 (10.7%) $3,269,515 (-6.4%) 0.00 171
    2024-02-01 $1,875,000 (0.7%) $3,129,587 (-7.2%) 0.00 166
    2024-03-01 $1,350,000 (-18.2%) $2,662,440 (-15.6%) 0.00 178
    2024-04-01 $1,335,000 (-13.9%) $2,642,336 (-14.3%) 0.00 177
    2024-05-01 $1,256,250 (22.9%) $2,624,922 (-5.9%) 0.00 186
    2024-06-01 $1,495,000 (-8.5%) $2,792,898 (-6.3%) 0.00 239
    2024-07-01 $1,731,250 (-11.8%) $3,071,293 (-0.6%) 0.00 296
    2024-08-01 $1,795,000 (-8.9%) $3,157,543 (-3.7%) 0.00 298
    2024-09-01 $1,790,000 (-9.3%) $3,278,589 (-2.2%) 0.00 279
    2024-10-01 $1,906,250 (-1.2%) $3,325,984 (-0.6%) 0.00 239
    2024-11-01 $1,595,000 (-17.8%) $3,167,759 (-3.0%) 0.00 200
    Hailey's median listing price for 2024-11-01 was $1,595,000, a difference of $-346,250 (-17.8%) versus the prior year and $-311,250 versus the prior month.

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

    Hailey's average listing price for 2024-11-01 was $3,167,759, a difference of $-96,449 (-3.0%) versus the prior year and $-158,225 versus the prior month.

    For the 2024-11-01 period, Hailey had 200 MLS listings, a difference of -39 listings (-16%) versus the prior month and 30 listings (18%) 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 2,490 sqft
    2018-10-01 0 days 2,504 sqft
    2018-11-01 0 days 2,469 sqft
    2018-12-01 0 days 2,477 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 2,507 sqft
    2019-08-01 0 days 2,522 sqft
    2019-09-01 0 days 2,544 sqft
    2019-10-01 0 days 2,604 sqft
    2019-11-01 0 days 2,657 sqft
    2019-12-01 0 days 2,696 sqft
    2020-01-01 0 days 2,752 sqft
    2020-02-01 0 days 2,784 sqft
    2020-03-01 0 days 2,524 sqft
    2020-04-01 0 days 2,496 sqft
    2020-05-01 0 days 2,437 sqft
    2020-06-01 0 days 2,407 sqft
    2020-07-01 0 days 2,469 sqft
    2020-08-01 0 days 2,483 sqft
    2020-09-01 0 days 2,594 sqft
    2020-10-01 0 days 2,855 sqft
    2020-11-01 0 days 2,939 sqft
    2020-12-01 0 days 2,980 sqft
    2021-01-01 0 days 3,064 sqft
    2021-02-01 0 days 3,098 sqft
    2021-03-01 0 days 2,970 sqft
    2021-04-01 0 days 2,658 sqft
    2021-05-01 0 days 2,454 sqft
    2021-06-01 0 days 2,508 sqft
    2021-07-01 0 days 2,652 sqft
    2021-08-01 0 days 2,503 sqft
    2021-09-01 0 days 2,529 sqft
    2021-10-01 0 days 2,282 sqft
    2021-11-01 0 days 2,314 sqft
    2021-12-01 0 days 2,507 sqft
    2022-01-01 0 days 2,552 sqft
    2022-02-01 0 days 2,693 sqft
    2022-03-01 0 days 2,956 sqft
    2022-04-01 0 days 2,693 sqft
    2022-05-01 0 days 2,730 sqft
    2022-06-01 0 days 2,708 sqft
    2022-07-01 0 days 2,510 sqft
    2022-08-01 0 days 2,201 sqft
    2022-09-01 0 days 2,232 sqft
    2022-10-01 0 days 2,324 sqft
    2022-11-01 0 days 2,551 sqft
    2022-12-01 0 days 2,724 sqft
    2023-01-01 0 days 2,759 sqft
    2023-02-01 0 days 2,719 sqft
    2023-03-01 0 days 2,554 sqft
    2023-04-01 0 days 2,514 sqft
    2023-05-01 0 days 2,041 sqft
    2023-06-01 0 days 2,445 sqft
    2023-07-01 0 days 2,596 sqft
    2023-08-01 0 days 2,712 sqft
    2023-09-01 0 days 2,682 sqft
    2023-10-01 0 days 2,722 sqft
    2023-11-01 0 days 2,556 sqft
    2023-12-01 0 days 2,700 sqft
    2024-01-01 0 days 2,741 sqft
    2024-02-01 0 days 2,308 sqft
    2024-03-01 0 days 2,078 sqft
    2024-04-01 0 days 2,085 sqft
    2024-05-01 0 days 2,079 sqft
    2024-06-01 0 days 2,091 sqft
    2024-07-01 0 days 2,162 sqft
    2024-08-01 0 days 2,204 sqft
    2024-09-01 0 days 2,145 sqft
    2024-10-01 0 days 2,217 sqft
    2024-11-01 0 days 1,957 sqft
    Hailey's median listing age (time on market) for 2024-11-01 was 0 days.

    Hailey's median square footage for active listings during the 2024-11-01 period was 1,957 sqft. One year prior, the average listing was 2,556 sqft.