Kalispell USDA Loan Rates, Closing Costs & Stats

Kalispell, MT

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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.

    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 6.11% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Kalispell's average USDA mortgage closing costs are $6,749.

    The average rate for the prior week (2024-12-06) was 6.24% and one month ago for the week of 2024-11-08, the average rate was 6.56%.

    The average rate one year ago was 6.63%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.3%.

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

    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
    2024-04-01 $849,000 (0.8%) $1,622,377 (3.8%) 0.00 671
    2024-05-01 $866,450 (-0.6%) $1,590,476 (0.3%) 0.00 772
    2024-06-01 $885,000 (1.2%) $1,582,312 (-0.6%) 0.00 908
    2024-07-01 $875,000 (-2.2%) $1,562,530 (-2.1%) 0.00 1,003
    2024-08-01 $875,000 (-4.0%) $1,542,192 (-4.2%) 0.00 1,003
    2024-09-01 $868,950 (-4.0%) $1,549,959 (-4.3%) 0.00 974
    2024-10-01 $879,000 (-0.1%) $1,559,304 (-1.2%) 0.00 919
    2024-11-01 $875,000 (0.9%) $1,527,615 (-2.1%) 0.00 824
    Kalispell's median listing price for 2024-11-01 was $875,000, a difference of $7,500 (0.9%) versus the prior year and $-4,000 versus the prior month.

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

    Kalispell's average listing price for 2024-11-01 was $1,527,615, a difference of $-32,938 (-2.1%) versus the prior year and $-31,689 versus the prior month.

    For the 2024-11-01 period, Kalispell had 824 MLS listings, a difference of -95 listings (-10%) versus the prior month and 98 listings (13%) 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 2,052 sqft
    2024-03-01 0 days 2,026 sqft
    2024-04-01 0 days 2,030 sqft
    2024-05-01 0 days 2,051 sqft
    2024-06-01 0 days 2,094 sqft
    2024-07-01 0 days 2,156 sqft
    2024-08-01 0 days 2,152 sqft
    2024-09-01 0 days 2,154 sqft
    2024-10-01 0 days 2,195 sqft
    2024-11-01 0 days 2,177 sqft
    Kalispell's median listing age (time on market) for 2024-11-01 was 0 days.

    Kalispell's median square footage for active listings during the 2024-11-01 period was 2,177 sqft. One year prior, the average listing was 2,084 sqft.