Kalispell USDA Loan Rates, Closing Costs & Stats
Kalispell, MT
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.
Kalispell's 3 lenders originated 4 USDA loans during 2023. The total origination value was $1,270,000, with an average USDA loan value of $317,500.
Kalispell USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Kalispell
averaged
6.67%
for the week of 2024-04-19, compared to the national average (all USDA variants) of
6.863% for the same period.
Kalispell's average USDA mortgage closing costs are $6,749.
The average rate for the prior week (2024-04-12) was
6.62% and
one month ago for the week of 2024-03-15, the
average rate was 6.6%.
The average rate one year ago was 6.24%.
For refis of the same type during the week of 2024-04-19, the average rate
was 6.66%.
Kalispell 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 Kalispell level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 2 | 5.63% | $13,429 |
| Century Mortgage Company DBA Century Lending Company | 1 | 5.99% | $9,221 |
| Plains Commerce Bank | 1 | 5.25% | $18,652 |
The top Kalispell USDA lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with
2 USDA loans originated. Their average total fees are
$13,429, which is $4,208
higher than the next largest lender,
Century Mortgage Company DBA Century Lending Company.
The lowest fee Kalispell USDA lenders (with over 10 loans originated) are
.
The lowest rate Kalispell USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Kalispell (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 | $487,000 (7.2%) | $988,250 (10.4%) | 0.00 | 742 |
| 2018-02-01 | $499,200 (8.7%) | $992,656 (9.6%) | 0.00 | 724 |
| 2018-03-01 | $499,000 (7.1%) | $947,736 (2.6%) | 0.00 | 789 |
| 2018-04-01 | $499,500 (6.4%) | $977,061 (3.2%) | 0.00 | 810 |
| 2018-05-01 | $499,000 (3.5%) | $932,905 (-0.2%) | 0.00 | 919 |
| 2018-06-01 | $499,000 (4.6%) | $891,557 (-2.7%) | 0.00 | 1,093 |
| 2018-07-01 | $471,000 (-1.9%) | $839,881 (-8.1%) | 0.00 | 1,287 |
| 2018-08-01 | $449,950 (-7.9%) | $801,501 (-12.2%) | 0.00 | 1,387 |
| 2018-09-01 | $449,500 (-9.2%) | $795,547 (-13.7%) | 0.00 | 1,375 |
| 2018-10-01 | $449,000 (-9.0%) | $789,976 (-15.3%) | 0.00 | 1,298 |
| 2018-11-01 | $443,400 (-9.4%) | $753,472 (-20.4%) | 0.00 | 1,191 |
| 2018-12-01 | $435,000 (-9.6%) | $755,576 (-22.1%) | 0.00 | 1,106 |
| 2019-01-01 | $433,725 (-10.9%) | $774,019 (-21.7%) | 0.00 | 983 |
| 2019-02-01 | $437,225 (-12.4%) | $786,366 (-20.8%) | 0.00 | 892 |
| 2019-03-01 | $476,143 (-4.6%) | $844,343 (-10.9%) | 0.00 | 864 |
| 2019-04-01 | $499,000 (-0.1%) | $852,184 (-12.8%) | 0.00 | 899 |
| 2019-05-01 | $499,000 (0.0%) | $802,451 (-14.0%) | 0.00 | 1,022 |
| 2019-06-01 | $499,000 (0.0%) | $780,822 (-12.4%) | 0.00 | 1,119 |
| 2019-07-01 | $486,750 (3.3%) | $778,099 (-7.4%) | 0.00 | 1,196 |
| 2019-08-01 | $477,759 (6.2%) | $784,517 (-2.1%) | 0.00 | 1,167 |
| 2019-09-01 | $475,898 (5.9%) | $797,766 (0.3%) | 0.00 | 1,104 |
| 2019-10-01 | $474,225 (5.6%) | $812,914 (2.9%) | 0.00 | 1,039 |
| 2019-11-01 | $460,700 (3.9%) | $845,087 (12.2%) | 0.00 | 909 |
| 2019-12-01 | $449,900 (3.4%) | $876,759 (16.0%) | 0.00 | 828 |
| 2020-01-01 | $442,500 (2.0%) | $881,483 (13.9%) | 0.00 | 725 |
| 2020-02-01 | $439,900 (0.6%) | $883,388 (12.3%) | 0.00 | 649 |
| 2020-03-01 | $454,450 (-4.6%) | $874,678 (3.6%) | 0.00 | 676 |
| 2020-04-01 | $459,450 (-7.9%) | $831,365 (-2.4%) | 0.00 | 764 |
| 2020-05-01 | $489,000 (-2.0%) | $842,248 (5.0%) | 0.00 | 755 |
| 2020-06-01 | $499,000 (0.0%) | $851,005 (9.0%) | 0.00 | 738 |
| 2020-07-01 | $519,468 (6.7%) | $934,018 (20.0%) | 0.00 | 683 |
| 2020-08-01 | $497,700 (4.2%) | $912,998 (16.4%) | 0.00 | 658 |
| 2020-09-01 | $526,250 (10.6%) | $998,284 (25.1%) | 0.00 | 597 |
| 2020-10-01 | $489,000 (3.1%) | $1,017,014 (25.1%) | 0.00 | 512 |
| 2020-11-01 | $475,700 (3.3%) | $1,064,966 (26.0%) | 0.00 | 480 |
| 2020-12-01 | $448,500 (-0.3%) | $1,027,140 (17.2%) | 0.00 | 456 |
| 2021-01-01 | $439,000 (-0.8%) | $1,000,624 (13.5%) | 0.00 | 404 |
| 2021-02-01 | $405,975 (-7.7%) | $1,008,902 (14.2%) | 0.00 | 312 |
| 2021-03-01 | $464,725 (2.3%) | $1,046,870 (19.7%) | 0.00 | 319 |
| 2021-04-01 | $534,025 (16.2%) | $1,045,426 (25.8%) | 0.00 | 357 |
| 2021-05-01 | $599,773 (22.7%) | $1,078,425 (28.0%) | 0.00 | 399 |
| 2021-06-01 | $649,000 (30.1%) | $1,189,360 (39.8%) | 0.00 | 462 |
| 2021-07-01 | $699,000 (34.6%) | $1,223,672 (31.0%) | 0.00 | 554 |
| 2021-08-01 | $734,743 (47.6%) | $1,227,025 (34.4%) | 0.00 | 556 |
| 2021-09-01 | $725,000 (37.8%) | $1,242,841 (24.5%) | 0.00 | 578 |
| 2021-10-01 | $725,000 (48.3%) | $1,295,926 (27.4%) | 0.00 | 527 |
| 2021-11-01 | $699,824 (47.1%) | $1,284,562 (20.6%) | 0.00 | 462 |
| 2021-12-01 | $699,412 (55.9%) | $1,338,659 (30.3%) | 0.00 | 421 |
| 2022-01-01 | $499,900 (13.9%) | $1,213,913 (21.3%) | 0.00 | 419 |
| 2022-02-01 | $472,400 (16.4%) | $1,178,083 (16.8%) | 0.00 | 395 |
| 2022-03-01 | $487,900 (5.0%) | $1,191,091 (13.8%) | 0.00 | 394 |
| 2022-04-01 | $567,000 (6.2%) | $1,182,797 (13.1%) | 0.00 | 429 |
| 2022-05-01 | $629,750 (5.0%) | $1,234,416 (14.5%) | 0.00 | 510 |
| 2022-06-01 | $694,500 (7.0%) | $1,263,273 (6.2%) | 0.00 | 645 |
| 2022-07-01 | $749,000 (7.2%) | $1,273,131 (4.0%) | 0.00 | 847 |
| 2022-08-01 | $722,250 (-1.7%) | $1,233,345 (0.5%) | 0.00 | 917 |
| 2022-09-01 | $722,025 (-0.4%) | $1,278,589 (2.9%) | 0.00 | 859 |
| 2022-10-01 | $749,000 (3.3%) | $1,317,447 (1.7%) | 0.00 | 757 |
| 2022-11-01 | $707,475 (1.1%) | $1,299,176 (1.1%) | 0.00 | 727 |
| 2022-12-01 | $699,000 (-0.1%) | $1,318,276 (-1.5%) | 0.00 | 671 |
| 2023-01-01 | $713,500 (42.7%) | $1,387,449 (14.3%) | 0.00 | 634 |
| 2023-02-01 | $786,950 (66.6%) | $1,488,518 (26.4%) | 0.00 | 556 |
| 2023-03-01 | $842,500 (72.7%) | $1,583,347 (32.9%) | 0.00 | 487 |
| 2023-04-01 | $842,500 (48.6%) | $1,562,308 (32.1%) | 0.00 | 500 |
| 2023-05-01 | $872,000 (38.5%) | $1,585,494 (28.4%) | 0.00 | 578 |
| 2023-06-01 | $874,950 (26.0%) | $1,591,465 (26.0%) | 0.00 | 684 |
| 2023-07-01 | $895,000 (19.5%) | $1,596,016 (25.4%) | 0.00 | 762 |
| 2023-08-01 | $911,250 (26.2%) | $1,610,290 (30.6%) | 0.00 | 793 |
| 2023-09-01 | $905,000 (25.3%) | $1,619,327 (26.7%) | 0.00 | 818 |
| 2023-10-01 | $880,000 (17.5%) | $1,578,563 (19.8%) | 0.00 | 790 |
| 2023-11-01 | $867,500 (22.6%) | $1,560,553 (20.1%) | 0.00 | 726 |
| 2023-12-01 | $897,000 (28.3%) | $1,544,844 (17.2%) | 0.00 | 673 |
| 2024-01-01 | $894,400 (25.4%) | $1,593,839 (14.9%) | 0.00 | 599 |
| 2024-02-01 | $850,000 (8.0%) | $1,602,783 (7.7%) | 0.00 | 572 |
| 2024-03-01 | $850,000 (0.9%) | $1,635,861 (3.3%) | 0.00 | 609 |
Kalispell's median listing price comes in at 0% of the national average.
Kalispell's average listing price for 2024-03-01 was $1,635,861, a difference of $52,514 (3.3%) versus the prior year and $33,078 versus the prior month.
For the 2024-03-01 period, Kalispell had 609 MLS listings, a difference of 37 listings (6%) versus the prior month and 122 listings (25%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Kalispell (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,481 sqft |
| 2018-02-01 | 0 days | 2,502 sqft |
| 2018-03-01 | 0 days | 2,451 sqft |
| 2018-04-01 | 0 days | 2,483 sqft |
| 2018-05-01 | 0 days | 2,444 sqft |
| 2018-06-01 | 0 days | 2,445 sqft |
| 2018-07-01 | 0 days | 2,323 sqft |
| 2018-08-01 | 0 days | 2,259 sqft |
| 2018-09-01 | 0 days | 2,265 sqft |
| 2018-10-01 | 0 days | 2,250 sqft |
| 2018-11-01 | 0 days | 2,181 sqft |
| 2018-12-01 | 0 days | 2,163 sqft |
| 2019-01-01 | 0 days | 2,113 sqft |
| 2019-02-01 | 0 days | 2,109 sqft |
| 2019-03-01 | 0 days | 2,209 sqft |
| 2019-04-01 | 0 days | 2,280 sqft |
| 2019-05-01 | 0 days | 2,338 sqft |
| 2019-06-01 | 0 days | 2,376 sqft |
| 2019-07-01 | 0 days | 2,293 sqft |
| 2019-08-01 | 0 days | 2,284 sqft |
| 2019-09-01 | 0 days | 2,259 sqft |
| 2019-10-01 | 0 days | 2,252 sqft |
| 2019-11-01 | 0 days | 2,250 sqft |
| 2019-12-01 | 0 days | 2,158 sqft |
| 2020-01-01 | 0 days | 2,131 sqft |
| 2020-02-01 | 0 days | 2,089 sqft |
| 2020-03-01 | 0 days | 2,102 sqft |
| 2020-04-01 | 0 days | 2,106 sqft |
| 2020-05-01 | 0 days | 2,160 sqft |
| 2020-06-01 | 0 days | 2,189 sqft |
| 2020-07-01 | 0 days | 2,199 sqft |
| 2020-08-01 | 0 days | 2,092 sqft |
| 2020-09-01 | 0 days | 2,110 sqft |
| 2020-10-01 | 0 days | 2,092 sqft |
| 2020-11-01 | 0 days | 2,055 sqft |
| 2020-12-01 | 0 days | 1,887 sqft |
| 2021-01-01 | 0 days | 1,722 sqft |
| 2021-02-01 | 0 days | 1,651 sqft |
| 2021-03-01 | 0 days | 1,721 sqft |
| 2021-04-01 | 0 days | 1,943 sqft |
| 2021-05-01 | 0 days | 1,936 sqft |
| 2021-06-01 | 0 days | 1,941 sqft |
| 2021-07-01 | 0 days | 1,948 sqft |
| 2021-08-01 | 0 days | 2,019 sqft |
| 2021-09-01 | 0 days | 2,103 sqft |
| 2021-10-01 | 0 days | 2,032 sqft |
| 2021-11-01 | 0 days | 2,022 sqft |
| 2021-12-01 | 0 days | 1,981 sqft |
| 2022-01-01 | 0 days | 1,542 sqft |
| 2022-02-01 | 0 days | 1,426 sqft |
| 2022-03-01 | 0 days | 1,469 sqft |
| 2022-04-01 | 0 days | 1,563 sqft |
| 2022-05-01 | 0 days | 1,657 sqft |
| 2022-06-01 | 0 days | 1,880 sqft |
| 2022-07-01 | 0 days | 1,916 sqft |
| 2022-08-01 | 0 days | 1,938 sqft |
| 2022-09-01 | 0 days | 1,882 sqft |
| 2022-10-01 | 0 days | 2,030 sqft |
| 2022-11-01 | 0 days | 2,028 sqft |
| 2022-12-01 | 0 days | 2,016 sqft |
| 2023-01-01 | 0 days | 2,010 sqft |
| 2023-02-01 | 0 days | 2,038 sqft |
| 2023-03-01 | 0 days | 2,092 sqft |
| 2023-04-01 | 0 days | 2,075 sqft |
| 2023-05-01 | 0 days | 2,167 sqft |
| 2023-06-01 | 0 days | 2,172 sqft |
| 2023-07-01 | 0 days | 2,175 sqft |
| 2023-08-01 | 0 days | 2,154 sqft |
| 2023-09-01 | 0 days | 2,157 sqft |
| 2023-10-01 | 0 days | 2,096 sqft |
| 2023-11-01 | 0 days | 2,084 sqft |
| 2023-12-01 | 0 days | 2,055 sqft |
| 2024-01-01 | 0 days | 2,062 sqft |
| 2024-02-01 | 0 days | 2,058 sqft |
| 2024-03-01 | 0 days | 2,026 sqft |
Kalispell's median square footage for active listings during the 2024-03-01 period was 2,026 sqft. One year prior, the average listing was 2,092 sqft.