Missoula USDA Loan Rates, Closing Costs & Stats

MISSOULA, MT

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Missoula USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Missoula averaged 6.2% for the week of 2025-04-04, compared to the national average (all USDA variants) of 6.324% for the same period.

    Missoula's average USDA mortgage closing costs are $7,043.

    The average rate for the prior week (2025-03-28) was 6.36% and one month ago for the week of 2025-02-28, the average rate was 6.61%.

    The average rate one year ago was 6.47%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.55%.

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

    Missoula 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 Missoula level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Missoula (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 $374,100 (6.9%) $527,916 (-9.7%) 0.00 469
    2018-02-01 $384,075 (9.7%) $542,569 (-5.9%) 0.00 443
    2018-03-01 $379,900 (8.6%) $535,354 (-4.5%) 0.00 473
    2018-04-01 $377,450 (9.4%) $532,790 (0.6%) 0.00 488
    2018-05-01 $389,675 (8.4%) $546,308 (2.7%) 0.00 542
    2018-06-01 $389,950 (8.4%) $548,790 (4.9%) 0.00 634
    2018-07-01 $385,000 (4.3%) $539,577 (6.0%) 0.00 684
    2018-08-01 $384,325 (3.6%) $545,723 (7.6%) 0.00 698
    2018-09-01 $379,900 (3.0%) $536,743 (4.5%) 0.00 723
    2018-10-01 $379,975 (2.9%) $537,405 (3.0%) 0.00 698
    2018-11-01 $379,900 (5.5%) $531,922 (3.6%) 0.00 655
    2018-12-01 $384,250 (3.0%) $542,700 (3.2%) 0.00 563
    2019-01-01 $384,850 (2.9%) $550,352 (4.3%) 0.00 513
    2019-02-01 $384,750 (0.2%) $538,850 (-0.7%) 0.00 482
    2019-03-01 $386,836 (1.8%) $541,086 (1.1%) 0.00 470
    2019-04-01 $391,975 (3.9%) $546,226 (2.5%) 0.00 472
    2019-05-01 $399,900 (2.6%) $545,130 (-0.2%) 0.00 521
    2019-06-01 $398,350 (2.2%) $541,965 (-1.2%) 0.00 530
    2019-07-01 $399,950 (3.9%) $540,749 (0.2%) 0.00 538
    2019-08-01 $402,168 (4.6%) $548,712 (0.6%) 0.00 529
    2019-09-01 $405,420 (6.7%) $554,621 (3.3%) 0.00 517
    2019-10-01 $403,589 (6.2%) $560,814 (4.4%) 0.00 497
    2019-11-01 $395,000 (4.0%) $555,264 (4.4%) 0.00 450
    2019-12-01 $398,198 (3.6%) $549,410 (1.2%) 0.00 391
    2020-01-01 $417,000 (8.4%) $577,767 (5.0%) 0.00 323
    2020-02-01 $417,100 (8.4%) $585,565 (8.7%) 0.00 309
    2020-03-01 $430,150 (11.2%) $610,287 (12.8%) 0.00 328
    2020-04-01 $425,000 (8.4%) $599,973 (9.8%) 0.00 356
    2020-05-01 $449,000 (12.3%) $638,640 (17.2%) 0.00 349
    2020-06-01 $449,950 (13.0%) $639,629 (18.0%) 0.00 338
    2020-07-01 $478,225 (19.6%) $700,590 (29.6%) 0.00 311
    2020-08-01 $519,000 (29.1%) $742,464 (35.3%) 0.00 288
    2020-09-01 $525,000 (29.5%) $768,980 (38.7%) 0.00 260
    2020-10-01 $509,000 (26.1%) $769,439 (37.2%) 0.00 240
    2020-11-01 $538,675 (36.4%) $817,657 (47.3%) 0.00 182
    2020-12-01 $539,900 (35.6%) $841,374 (53.1%) 0.00 153
    2021-01-01 $614,500 (47.4%) $905,983 (56.8%) 0.00 123
    2021-02-01 $550,000 (31.9%) $848,582 (44.9%) 0.00 121
    2021-03-01 $487,450 (13.3%) $751,596 (23.2%) 0.00 140
    2021-04-01 $566,475 (33.3%) $795,710 (32.6%) 0.00 128
    2021-05-01 $575,000 (28.1%) $853,008 (33.6%) 0.00 141
    2021-06-01 $583,200 (29.6%) $882,119 (37.9%) 0.00 155
    2021-07-01 $625,000 (30.7%) $885,766 (26.4%) 0.00 175
    2021-08-01 $618,295 (19.1%) $850,777 (14.6%) 0.00 204
    2021-09-01 $642,500 (22.4%) $873,980 (13.7%) 0.00 189
    2021-10-01 $657,500 (29.2%) $885,236 (15.1%) 0.00 167
    2021-11-01 $709,000 (31.6%) $997,234 (22.0%) 0.00 131
    2021-12-01 $767,450 (42.2%) $1,056,272 (25.5%) 0.00 111
    2022-01-01 $795,000 (29.4%) $1,109,893 (22.5%) 0.00 85
    2022-02-01 $821,725 (49.4%) $1,170,110 (37.9%) 0.00 85
    2022-03-01 $774,500 (58.9%) $1,037,050 (38.0%) 0.00 92
    2022-04-01 $839,500 (48.2%) $1,045,472 (31.4%) 0.00 115
    2022-05-01 $751,000 (30.6%) $954,329 (11.9%) 0.00 172
    2022-06-01 $731,000 (25.3%) $935,549 (6.1%) 0.00 224
    2022-07-01 $724,900 (16.0%) $975,586 (10.1%) 0.00 258
    2022-08-01 $705,375 (14.1%) $951,554 (11.9%) 0.00 287
    2022-09-01 $688,741 (7.2%) $939,459 (7.5%) 0.00 293
    2022-10-01 $689,000 (4.8%) $939,705 (6.2%) 0.00 280
    2022-11-01 $679,791 (-4.1%) $955,832 (-4.2%) 0.00 268
    2022-12-01 $689,900 (-10.1%) $972,017 (-8.0%) 0.00 231
    2023-01-01 $699,000 (-12.1%) $1,022,040 (-7.9%) 0.00 217
    2023-02-01 $722,499 (-12.1%) $1,017,323 (-13.1%) 0.00 209
    2023-03-01 $794,725 (2.6%) $1,021,377 (-1.5%) 0.00 187
    2023-04-01 $800,000 (-4.7%) $1,105,049 (5.7%) 0.00 199
    2023-05-01 $778,725 (3.7%) $1,084,807 (13.7%) 0.00 250
    2023-06-01 $754,000 (3.2%) $1,051,620 (12.4%) 0.00 288
    2023-07-01 $724,900 (0.0%) $1,044,020 (7.0%) 0.00 303
    2023-08-01 $690,500 (-2.1%) $1,054,851 (10.9%) 0.00 318
    2023-09-01 $699,900 (1.6%) $1,065,582 (13.4%) 0.00 354
    2023-10-01 $699,900 (1.6%) $1,081,030 (15.0%) 0.00 358
    2023-11-01 $699,450 (2.9%) $1,097,677 (14.8%) 0.00 337
    2023-12-01 $679,900 (-1.5%) $1,018,648 (4.8%) 0.00 302
    2024-01-01 $671,248 (-4.0%) $1,022,607 (0.1%) 0.00 281
    2024-02-01 $689,250 (-4.6%) $1,009,794 (-0.7%) 0.00 249
    2024-03-01 $717,450 (-9.7%) $1,013,446 (-0.8%) 0.00 247
    2024-04-01 $707,000 (-11.6%) $1,010,386 (-8.6%) 0.00 286
    2024-05-01 $699,000 (-10.2%) $1,034,845 (-4.6%) 0.00 348
    2024-06-01 $699,000 (-7.3%) $992,067 (-5.7%) 0.00 385
    2024-07-01 $709,000 (-2.2%) $1,018,142 (-2.5%) 0.00 405
    2024-08-01 $699,000 (1.2%) $983,486 (-6.8%) 0.00 416
    2024-09-01 $695,000 (-0.7%) $949,814 (-10.9%) 0.00 440
    2024-10-01 $691,950 (-1.1%) $956,188 (-11.6%) 0.00 437
    2024-11-01 $675,000 (-3.5%) $972,044 (-11.5%) 0.00 394
    2024-12-01 $674,750 (-0.8%) $1,013,830 (-0.5%) 0.00 351
    2025-01-01 $695,000 (3.5%) $1,057,105 (3.4%) 0.00 309
    2025-02-01 $714,500 (3.7%) $1,083,988 (7.4%) 0.00 295
    2025-03-01 $699,450 (-2.5%) $1,044,190 (3.0%) 0.00 298
    Missoula's median listing price for 2025-03-01 was $699,450, a difference of $-18,000 (-2.5%) versus the prior year and $-15,050 versus the prior month.

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

    Missoula's average listing price for 2025-03-01 was $1,044,190, a difference of $30,744 (3.0%) versus the prior year and $-39,798 versus the prior month.

    For the 2025-03-01 period, Missoula had 298 MLS listings, a difference of 3 listings (1%) versus the prior month and 51 listings (21%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Missoula (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,190 sqft
    2018-02-01 0 days 2,215 sqft
    2018-03-01 0 days 2,175 sqft
    2018-04-01 0 days 2,216 sqft
    2018-05-01 0 days 2,189 sqft
    2018-06-01 0 days 2,155 sqft
    2018-07-01 0 days 2,113 sqft
    2018-08-01 0 days 2,135 sqft
    2018-09-01 0 days 2,087 sqft
    2018-10-01 0 days 2,080 sqft
    2018-11-01 0 days 2,054 sqft
    2018-12-01 0 days 2,091 sqft
    2019-01-01 0 days 2,095 sqft
    2019-02-01 0 days 2,069 sqft
    2019-03-01 0 days 2,069 sqft
    2019-04-01 0 days 2,082 sqft
    2019-05-01 0 days 2,229 sqft
    2019-06-01 0 days 2,230 sqft
    2019-07-01 0 days 2,229 sqft
    2019-08-01 0 days 2,237 sqft
    2019-09-01 0 days 2,234 sqft
    2019-10-01 0 days 2,231 sqft
    2019-11-01 0 days 2,196 sqft
    2019-12-01 0 days 2,138 sqft
    2020-01-01 0 days 2,163 sqft
    2020-02-01 0 days 2,112 sqft
    2020-03-01 0 days 2,216 sqft
    2020-04-01 0 days 2,202 sqft
    2020-05-01 0 days 2,289 sqft
    2020-06-01 0 days 2,286 sqft
    2020-07-01 0 days 2,394 sqft
    2020-08-01 0 days 2,432 sqft
    2020-09-01 0 days 2,415 sqft
    2020-10-01 0 days 2,438 sqft
    2020-11-01 0 days 2,442 sqft
    2020-12-01 0 days 2,344 sqft
    2021-01-01 0 days 2,515 sqft
    2021-02-01 0 days 2,263 sqft
    2021-03-01 0 days 2,086 sqft
    2021-04-01 0 days 2,200 sqft
    2021-05-01 0 days 2,335 sqft
    2021-06-01 0 days 2,172 sqft
    2021-07-01 0 days 2,197 sqft
    2021-08-01 0 days 2,298 sqft
    2021-09-01 0 days 2,330 sqft
    2021-10-01 0 days 2,263 sqft
    2021-11-01 0 days 2,347 sqft
    2021-12-01 0 days 2,406 sqft
    2022-01-01 0 days 2,323 sqft
    2022-02-01 0 days 2,353 sqft
    2022-03-01 0 days 2,272 sqft
    2022-04-01 0 days 2,296 sqft
    2022-05-01 0 days 2,242 sqft
    2022-06-01 0 days 2,294 sqft
    2022-07-01 0 days 2,305 sqft
    2022-08-01 0 days 2,221 sqft
    2022-09-01 0 days 2,199 sqft
    2022-10-01 0 days 2,274 sqft
    2022-11-01 0 days 2,198 sqft
    2022-12-01 0 days 2,184 sqft
    2023-01-01 0 days 2,199 sqft
    2023-02-01 0 days 2,234 sqft
    2023-03-01 0 days 2,282 sqft
    2023-04-01 0 days 2,279 sqft
    2023-05-01 0 days 2,230 sqft
    2023-06-01 0 days 2,244 sqft
    2023-07-01 0 days 2,076 sqft
    2023-08-01 0 days 2,095 sqft
    2023-09-01 0 days 2,126 sqft
    2023-10-01 0 days 2,141 sqft
    2023-11-01 0 days 2,139 sqft
    2023-12-01 0 days 2,120 sqft
    2024-01-01 0 days 2,117 sqft
    2024-02-01 0 days 2,086 sqft
    2024-03-01 0 days 2,136 sqft
    2024-04-01 0 days 2,080 sqft
    2024-05-01 0 days 2,021 sqft
    2024-06-01 0 days 1,992 sqft
    2024-07-01 0 days 2,077 sqft
    2024-08-01 0 days 2,082 sqft
    2024-09-01 0 days 2,021 sqft
    2024-10-01 0 days 2,063 sqft
    2024-11-01 0 days 2,043 sqft
    2024-12-01 0 days 2,081 sqft
    2025-01-01 0 days 2,121 sqft
    2025-02-01 0 days 2,127 sqft
    2025-03-01 0 days 2,080 sqft
    Missoula's median listing age (time on market) for 2025-03-01 was 0 days.

    Missoula's median square footage for active listings during the 2025-03-01 period was 2,080 sqft. One year prior, the average listing was 2,136 sqft.