Moscow USDA Loan Rates, Closing Costs & Stats

Moscow, ID

  • 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.

    Moscow's 2 lenders originated 2 USDA loans during 2023. The total origination value was $570,000, with an average USDA loan value of $285,000.

    Moscow USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Moscow averaged 6.17% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Moscow's average USDA mortgage closing costs are $6,227.

    The average rate for the prior week (2024-12-06) was 6.11% and one month ago for the week of 2024-11-08, the average rate was 6.22%.

    The average rate one year ago was 6.69%.

    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.

    Moscow 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 Moscow level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 5.75% $7,872
    First Savings Bank 1 5.75% $7,058

    The top Moscow USDA lender as defined by loan originations is AMERICAN PACIFIC MORTGAGE CORPORATION, with 1 USDA loans originated. Their average total fees are $7,872, which is $813 higher than the next largest lender, First Savings Bank.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Moscow (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 $261,125 (13.2%) $379,740 (28.0%) 0.00 56
    2018-02-01 $264,450 (17.6%) $389,281 (41.0%) 0.00 60
    2018-03-01 $253,900 (22.1%) $374,126 (34.6%) 0.00 60
    2018-04-01 $283,250 (17.1%) $379,565 (32.7%) 0.00 77
    2018-05-01 $276,000 (6.3%) $386,015 (20.1%) 0.00 84
    2018-06-01 $277,400 (11.0%) $385,338 (25.4%) 0.00 86
    2018-07-01 $275,063 (10.9%) $397,533 (30.4%) 0.00 94
    2018-08-01 $269,700 (6.9%) $398,624 (23.5%) 0.00 100
    2018-09-01 $269,900 (3.9%) $393,949 (17.2%) 0.00 97
    2018-10-01 $269,800 (3.8%) $398,929 (13.8%) 0.00 88
    2018-11-01 $261,625 (1.8%) $395,651 (18.1%) 0.00 76
    2018-12-01 $265,000 (6.4%) $414,866 (15.8%) 0.00 57
    2019-01-01 $308,450 (18.1%) $423,903 (11.6%) 0.00 55
    2019-02-01 $332,750 (25.8%) $459,788 (18.1%) 0.00 49
    2019-03-01 $368,143 (45.0%) $460,072 (23.0%) 0.00 59
    2019-04-01 $384,000 (35.6%) $445,004 (17.2%) 0.00 75
    2019-05-01 $389,000 (40.9%) $443,503 (14.9%) 0.00 78
    2019-06-01 $339,500 (22.4%) $417,099 (8.2%) 0.00 95
    2019-07-01 $342,475 (24.5%) $417,328 (5.0%) 0.00 96
    2019-08-01 $305,545 (13.3%) $403,710 (1.3%) 0.00 93
    2019-09-01 $288,364 (6.8%) $388,344 (-1.4%) 0.00 89
    2019-10-01 $275,000 (1.9%) $380,313 (-4.7%) 0.00 84
    2019-11-01 $295,000 (12.8%) $413,357 (4.5%) 0.00 62
    2019-12-01 $289,750 (9.3%) $438,530 (5.7%) 0.00 53
    2020-01-01 $282,375 (-8.5%) $432,706 (2.1%) 0.00 48
    2020-02-01 $275,000 (-17.4%) $420,123 (-8.6%) 0.00 47
    2020-03-01 $307,875 (-16.4%) $438,837 (-4.6%) 0.00 54
    2020-04-01 $364,000 (-5.2%) $425,478 (-4.4%) 0.00 62
    2020-05-01 $379,000 (-2.6%) $424,752 (-4.2%) 0.00 53
    2020-06-01 $317,500 (-6.5%) $431,327 (3.4%) 0.00 50
    2020-07-01 $353,975 (3.4%) $391,297 (-6.2%) 0.00 40
    2020-08-01 $374,950 (22.7%) $429,751 (6.5%) 0.00 29
    2020-09-01 $326,964 (13.4%) $401,444 (3.4%) 0.00 26
    2020-10-01 $347,000 (26.2%) $403,286 (6.0%) 0.00 26
    2020-11-01 $324,000 (9.8%) $380,843 (-7.9%) 0.00 25
    2020-12-01 $318,225 (9.8%) $377,204 (-14.0%) 0.00 24
    2021-01-01 $311,739 (10.4%) $401,832 (-7.1%) 0.00 19
    2021-02-01 $347,125 (26.2%) $489,238 (16.5%) 0.00 12
    2021-03-01 $329,250 (6.9%) $505,169 (15.1%) 0.00 12
    2021-04-01 $368,068 (1.1%) $663,361 (55.9%) 0.00 16
    2021-05-01 $360,000 (-5.0%) $624,784 (47.1%) 0.00 32
    2021-06-01 $391,000 (23.2%) $632,639 (46.7%) 0.00 35
    2021-07-01 $435,000 (22.9%) $684,792 (75.0%) 0.00 37
    2021-08-01 $475,000 (26.7%) $683,653 (59.1%) 0.00 40
    2021-09-01 $497,000 (52.0%) $709,206 (76.7%) 0.00 35
    2021-10-01 $439,000 (26.5%) $748,928 (85.7%) 0.00 30
    2021-11-01 $469,600 (44.9%) $814,753 (113.9%) 0.00 21
    2021-12-01 $664,500 (108.8%) $940,877 (149.4%) 0.00 13
    2022-01-01 $593,500 (90.4%) $941,963 (134.4%) 0.00 13
    2022-02-01 $546,500 (57.4%) $899,904 (83.9%) 0.00 21
    2022-03-01 $593,200 (80.2%) $864,641 (71.2%) 0.00 16
    2022-04-01 $474,000 (28.8%) $738,386 (11.3%) 0.00 28
    2022-05-01 $470,475 (30.7%) $720,373 (15.3%) 0.00 36
    2022-06-01 $473,000 (21.0%) $650,583 (2.8%) 0.00 47
    2022-07-01 $467,500 (7.5%) $607,904 (-11.2%) 0.00 64
    2022-08-01 $477,000 (0.4%) $653,958 (-4.3%) 0.00 62
    2022-09-01 $489,000 (-1.6%) $676,161 (-4.7%) 0.00 58
    2022-10-01 $489,000 (11.4%) $675,206 (-9.8%) 0.00 62
    2022-11-01 $458,250 (-2.4%) $652,861 (-19.9%) 0.00 53
    2022-12-01 $474,500 (-28.6%) $724,335 (-23.0%) 0.00 45
    2023-01-01 $471,500 (-20.6%) $713,698 (-24.2%) 0.00 41
    2023-02-01 $499,750 (-8.6%) $707,309 (-21.4%) 0.00 41
    2023-03-01 $482,000 (-18.8%) $636,255 (-26.4%) 0.00 50
    2023-04-01 $485,000 (2.3%) $658,098 (-10.9%) 0.00 55
    2023-05-01 $514,000 (9.3%) $712,519 (-1.1%) 0.00 53
    2023-06-01 $515,500 (9.0%) $636,408 (-2.2%) 0.00 67
    2023-07-01 $540,000 (15.5%) $661,864 (8.9%) 0.00 74
    2023-08-01 $530,450 (11.2%) $677,317 (3.6%) 0.00 87
    2023-09-01 $485,000 (-0.8%) $644,439 (-4.7%) 0.00 83
    2023-10-01 $528,750 (8.1%) $694,931 (2.9%) 0.00 76
    2023-11-01 $537,500 (17.3%) $711,032 (8.9%) 0.00 76
    2023-12-01 $529,500 (11.6%) $725,165 (0.1%) 0.00 70
    2024-01-01 $511,500 (8.5%) $749,476 (5.0%) 0.00 57
    2024-02-01 $601,500 (20.4%) $830,917 (17.5%) 0.00 49
    2024-03-01 $587,498 (21.9%) $752,058 (18.2%) 0.00 68
    2024-04-01 $500,500 (3.2%) $646,573 (-1.8%) 0.00 79
    2024-05-01 $526,500 (2.4%) $638,328 (-10.4%) 0.00 82
    2024-06-01 $579,000 (12.3%) $662,602 (4.1%) 0.00 87
    2024-07-01 $509,450 (-5.7%) $630,584 (-4.7%) 0.00 86
    2024-08-01 $530,750 (0.1%) $582,115 (-14.1%) 0.00 90
    2024-09-01 $487,250 (0.5%) $567,004 (-12.0%) 0.00 105
    2024-10-01 $495,000 (-6.4%) $574,830 (-17.3%) 0.00 87
    2024-11-01 $495,000 (-7.9%) $582,369 (-18.1%) 0.00 80
    Moscow's median listing price for 2024-11-01 was $495,000, a difference of $-42,500 (-7.9%) versus the prior year and $0 versus the prior month.

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

    Moscow's average listing price for 2024-11-01 was $582,369, a difference of $-128,663 (-18.1%) versus the prior year and $7,539 versus the prior month.

    For the 2024-11-01 period, Moscow had 80 MLS listings, a difference of -7 listings (-8%) versus the prior month and 4 listings (5%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Moscow (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,177 sqft
    2018-02-01 0 days 2,110 sqft
    2018-03-01 0 days 1,950 sqft
    2018-04-01 0 days 2,086 sqft
    2018-05-01 0 days 2,048 sqft
    2018-06-01 0 days 2,072 sqft
    2018-07-01 0 days 2,072 sqft
    2018-08-01 0 days 2,104 sqft
    2018-09-01 0 days 2,200 sqft
    2018-10-01 0 days 2,325 sqft
    2018-11-01 0 days 2,305 sqft
    2018-12-01 0 days 2,311 sqft
    2019-01-01 0 days 2,415 sqft
    2019-02-01 0 days 2,534 sqft
    2019-03-01 0 days 2,539 sqft
    2019-04-01 0 days 2,539 sqft
    2019-05-01 0 days 2,714 sqft
    2019-06-01 0 days 2,420 sqft
    2019-07-01 0 days 2,445 sqft
    2019-08-01 0 days 2,168 sqft
    2019-09-01 0 days 2,024 sqft
    2019-10-01 0 days 1,901 sqft
    2019-11-01 0 days 1,951 sqft
    2019-12-01 0 days 2,235 sqft
    2020-01-01 0 days 2,187 sqft
    2020-02-01 0 days 1,889 sqft
    2020-03-01 0 days 2,049 sqft
    2020-04-01 0 days 2,260 sqft
    2020-05-01 0 days 2,210 sqft
    2020-06-01 0 days 1,871 sqft
    2020-07-01 0 days 2,126 sqft
    2020-08-01 0 days 2,430 sqft
    2020-09-01 0 days 1,906 sqft
    2020-10-01 0 days 2,193 sqft
    2020-11-01 0 days 1,871 sqft
    2020-12-01 0 days 1,621 sqft
    2021-01-01 0 days 1,587 sqft
    2021-02-01 0 days 1,800 sqft
    2021-03-01 0 days 1,726 sqft
    2021-04-01 0 days 1,902 sqft
    2021-05-01 0 days 1,833 sqft
    2021-06-01 0 days 1,899 sqft
    2021-07-01 0 days 2,118 sqft
    2021-08-01 0 days 2,282 sqft
    2021-09-01 0 days 2,522 sqft
    2021-10-01 0 days 2,156 sqft
    2021-11-01 0 days 2,385 sqft
    2021-12-01 0 days 2,752 sqft
    2022-01-01 0 days 2,673 sqft
    2022-02-01 0 days 2,610 sqft
    2022-03-01 0 days 2,134 sqft
    2022-04-01 0 days 2,029 sqft
    2022-05-01 0 days 2,017 sqft
    2022-06-01 0 days 2,002 sqft
    2022-07-01 0 days 1,660 sqft
    2022-08-01 0 days 2,138 sqft
    2022-09-01 0 days 2,191 sqft
    2022-10-01 0 days 2,147 sqft
    2022-11-01 0 days 2,151 sqft
    2022-12-01 0 days 2,292 sqft
    2023-01-01 0 days 2,124 sqft
    2023-02-01 0 days 2,376 sqft
    2023-03-01 0 days 2,150 sqft
    2023-04-01 0 days 2,285 sqft
    2023-05-01 0 days 2,273 sqft
    2023-06-01 0 days 2,247 sqft
    2023-07-01 0 days 2,320 sqft
    2023-08-01 0 days 2,207 sqft
    2023-09-01 0 days 2,200 sqft
    2023-10-01 0 days 2,283 sqft
    2023-11-01 0 days 2,367 sqft
    2023-12-01 0 days 2,363 sqft
    2024-01-01 0 days 1,964 sqft
    2024-02-01 0 days 2,330 sqft
    2024-03-01 0 days 2,396 sqft
    2024-04-01 0 days 2,202 sqft
    2024-05-01 0 days 2,192 sqft
    2024-06-01 0 days 2,214 sqft
    2024-07-01 0 days 2,190 sqft
    2024-08-01 0 days 2,145 sqft
    2024-09-01 0 days 2,014 sqft
    2024-10-01 0 days 1,944 sqft
    2024-11-01 0 days 1,923 sqft
    Moscow's median listing age (time on market) for 2024-11-01 was 0 days.

    Moscow's median square footage for active listings during the 2024-11-01 period was 1,923 sqft. One year prior, the average listing was 2,367 sqft.