Pocatello USDA Loan Rates, Closing Costs & Stats
POCATELLO, ID
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.
Pocatello's 1 lenders originated 1 USDA loans during 2023. The total origination value was $225,000, with an average USDA loan value of $225,000.
Pocatello USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Pocatello
averaged
6.37%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Pocatello's average USDA mortgage closing costs are $5,953.
The average rate for the prior week (2025-02-07) was
6.23% and
one month ago for the week of 2025-01-10, the
average rate was 6.37%.
The average rate one year ago was 6.46%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.33%.
Pocatello 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 Pocatello level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| GENEVA FINANCIAL, LLC | 1 | 6.88% | $13,811 |
The lowest fee Pocatello USDA lenders (with over 10 loans originated) are
.
The lowest rate Pocatello USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Pocatello (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 | $185,925 (20.0%) | $249,955 (24.3%) | 0.00 | 145 |
| 2018-02-01 | $192,200 (23.1%) | $258,349 (25.0%) | 0.00 | 137 |
| 2018-03-01 | $199,900 (26.6%) | $262,448 (27.1%) | 0.00 | 145 |
| 2018-04-01 | $220,000 (37.6%) | $263,683 (22.8%) | 0.00 | 143 |
| 2018-05-01 | $215,975 (24.3%) | $256,631 (11.4%) | 0.00 | 175 |
| 2018-06-01 | $200,000 (13.4%) | $243,459 (6.4%) | 0.00 | 231 |
| 2018-07-01 | $184,950 (10.4%) | $232,030 (4.4%) | 0.00 | 244 |
| 2018-08-01 | $197,450 (20.5%) | $246,230 (10.9%) | 0.00 | 226 |
| 2018-09-01 | $204,900 (22.7%) | $252,679 (11.2%) | 0.00 | 217 |
| 2018-10-01 | $213,900 (27.7%) | $249,413 (7.9%) | 0.00 | 204 |
| 2018-11-01 | $212,450 (23.7%) | $258,042 (10.5%) | 0.00 | 196 |
| 2018-12-01 | $210,000 (13.6%) | $257,792 (3.5%) | 0.00 | 184 |
| 2019-01-01 | $207,450 (11.6%) | $258,814 (3.5%) | 0.00 | 155 |
| 2019-02-01 | $224,900 (17.0%) | $269,809 (4.4%) | 0.00 | 150 |
| 2019-03-01 | $236,929 (18.5%) | $275,084 (4.8%) | 0.00 | 139 |
| 2019-04-01 | $243,029 (10.5%) | $274,958 (4.3%) | 0.00 | 132 |
| 2019-05-01 | $241,825 (12.0%) | $277,016 (7.9%) | 0.00 | 131 |
| 2019-06-01 | $245,000 (22.5%) | $308,026 (26.5%) | 0.00 | 162 |
| 2019-07-01 | $237,450 (28.4%) | $312,673 (34.8%) | 0.00 | 201 |
| 2019-08-01 | $243,736 (23.4%) | $318,254 (29.3%) | 0.00 | 219 |
| 2019-09-01 | $249,341 (21.7%) | $319,804 (26.6%) | 0.00 | 224 |
| 2019-10-01 | $255,600 (19.5%) | $326,388 (30.9%) | 0.00 | 228 |
| 2019-11-01 | $261,250 (23.0%) | $331,950 (28.6%) | 0.00 | 224 |
| 2019-12-01 | $255,000 (21.4%) | $327,107 (26.9%) | 0.00 | 206 |
| 2020-01-01 | $258,075 (24.4%) | $326,983 (26.3%) | 0.00 | 171 |
| 2020-02-01 | $267,500 (18.9%) | $347,417 (28.8%) | 0.00 | 146 |
| 2020-03-01 | $280,200 (18.3%) | $354,336 (28.8%) | 0.00 | 153 |
| 2020-04-01 | $289,675 (19.2%) | $351,138 (27.7%) | 0.00 | 168 |
| 2020-05-01 | $289,900 (19.9%) | $350,899 (26.7%) | 0.00 | 171 |
| 2020-06-01 | $316,575 (29.2%) | $374,317 (21.5%) | 0.00 | 159 |
| 2020-07-01 | $306,975 (29.3%) | $381,478 (22.0%) | 0.00 | 154 |
| 2020-08-01 | $290,000 (19.0%) | $392,128 (23.2%) | 0.00 | 133 |
| 2020-09-01 | $254,950 (2.3%) | $352,627 (10.3%) | 0.00 | 118 |
| 2020-10-01 | $239,950 (-6.1%) | $381,311 (16.8%) | 0.00 | 103 |
| 2020-11-01 | $247,425 (-5.3%) | $424,000 (27.7%) | 0.00 | 84 |
| 2020-12-01 | $249,950 (-2.0%) | $426,516 (30.4%) | 0.00 | 87 |
| 2021-01-01 | $264,900 (2.6%) | $429,566 (31.4%) | 0.00 | 70 |
| 2021-02-01 | $301,250 (12.6%) | $506,979 (45.9%) | 0.00 | 62 |
| 2021-03-01 | $352,450 (25.8%) | $572,269 (61.5%) | 0.00 | 57 |
| 2021-04-01 | $323,500 (11.7%) | $459,583 (30.9%) | 0.00 | 62 |
| 2021-05-01 | $305,250 (5.3%) | $437,937 (24.8%) | 0.00 | 72 |
| 2021-06-01 | $376,175 (18.8%) | $500,430 (33.7%) | 0.00 | 85 |
| 2021-07-01 | $354,950 (15.6%) | $486,017 (27.4%) | 0.00 | 123 |
| 2021-08-01 | $388,725 (34.0%) | $489,607 (24.9%) | 0.00 | 131 |
| 2021-09-01 | $399,725 (56.8%) | $479,877 (36.1%) | 0.00 | 144 |
| 2021-10-01 | $399,950 (66.7%) | $463,794 (21.6%) | 0.00 | 141 |
| 2021-11-01 | $365,950 (47.9%) | $440,425 (3.9%) | 0.00 | 133 |
| 2021-12-01 | $353,250 (41.3%) | $434,115 (1.8%) | 0.00 | 104 |
| 2022-01-01 | $355,000 (34.0%) | $457,573 (6.5%) | 0.00 | 70 |
| 2022-02-01 | $444,975 (47.7%) | $583,032 (15.0%) | 0.00 | 49 |
| 2022-03-01 | $447,450 (27.0%) | $592,514 (3.5%) | 0.00 | 58 |
| 2022-04-01 | $449,900 (39.1%) | $547,398 (19.1%) | 0.00 | 79 |
| 2022-05-01 | $417,500 (36.8%) | $502,374 (14.7%) | 0.00 | 126 |
| 2022-06-01 | $393,250 (4.5%) | $474,011 (-5.3%) | 0.00 | 171 |
| 2022-07-01 | $400,000 (12.7%) | $465,026 (-4.3%) | 0.00 | 223 |
| 2022-08-01 | $399,975 (2.9%) | $459,864 (-6.1%) | 0.00 | 235 |
| 2022-09-01 | $388,675 (-2.8%) | $439,785 (-8.4%) | 0.00 | 265 |
| 2022-10-01 | $389,700 (-2.6%) | $449,849 (-3.0%) | 0.00 | 272 |
| 2022-11-01 | $384,700 (5.1%) | $439,213 (-0.3%) | 0.00 | 245 |
| 2022-12-01 | $380,000 (7.6%) | $437,651 (0.8%) | 0.00 | 224 |
| 2023-01-01 | $388,750 (9.5%) | $439,929 (-3.9%) | 0.00 | 207 |
| 2023-02-01 | $410,225 (-7.8%) | $461,576 (-20.8%) | 0.00 | 193 |
| 2023-03-01 | $419,950 (-6.2%) | $473,283 (-20.1%) | 0.00 | 173 |
| 2023-04-01 | $429,950 (-4.4%) | $491,764 (-10.2%) | 0.00 | 162 |
| 2023-05-01 | $471,200 (12.9%) | $520,135 (3.5%) | 0.00 | 180 |
| 2023-06-01 | $444,900 (13.1%) | $528,803 (11.6%) | 0.00 | 187 |
| 2023-07-01 | $416,500 (4.1%) | $517,566 (11.3%) | 0.00 | 219 |
| 2023-08-01 | $428,100 (7.0%) | $516,365 (12.3%) | 0.00 | 234 |
| 2023-09-01 | $419,900 (8.0%) | $506,496 (15.2%) | 0.00 | 238 |
| 2023-10-01 | $399,788 (2.6%) | $495,505 (10.2%) | 0.00 | 261 |
| 2023-11-01 | $389,500 (1.3%) | $468,775 (6.7%) | 0.00 | 259 |
| 2023-12-01 | $384,700 (1.2%) | $464,371 (6.1%) | 0.00 | 238 |
| 2024-01-01 | $386,850 (-0.5%) | $461,007 (4.8%) | 0.00 | 209 |
| 2024-02-01 | $392,975 (-4.2%) | $473,771 (2.6%) | 0.00 | 195 |
| 2024-03-01 | $399,900 (-4.8%) | $492,106 (4.0%) | 0.00 | 210 |
| 2024-04-01 | $424,450 (-1.3%) | $502,085 (2.1%) | 0.00 | 228 |
| 2024-05-01 | $429,250 (-8.9%) | $499,447 (-4.0%) | 0.00 | 251 |
| 2024-06-01 | $425,450 (-4.4%) | $505,373 (-4.4%) | 0.00 | 295 |
| 2024-07-01 | $419,900 (0.8%) | $496,463 (-4.1%) | 0.00 | 330 |
| 2024-08-01 | $409,900 (-4.3%) | $493,396 (-4.5%) | 0.00 | 330 |
| 2024-09-01 | $413,675 (-1.5%) | $494,230 (-2.4%) | 0.00 | 332 |
| 2024-10-01 | $399,900 (0.0%) | $488,915 (-1.3%) | 0.00 | 321 |
| 2024-11-01 | $394,950 (1.4%) | $478,270 (2.0%) | 0.00 | 324 |
| 2024-12-01 | $390,750 (1.6%) | $464,798 (0.1%) | 0.00 | 304 |
| 2025-01-01 | $394,950 (2.1%) | $470,258 (2.0%) | 0.00 | 258 |
Pocatello's median listing price comes in at 0% of the national average.
Pocatello's average listing price for 2025-01-01 was $470,258, a difference of $9,251 (2.0%) versus the prior year and $5,460 versus the prior month.
For the 2025-01-01 period, Pocatello had 258 MLS listings, a difference of -46 listings (-15%) versus the prior month and 49 listings (23%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Pocatello (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,389 sqft |
| 2018-02-01 | 0 days | 2,372 sqft |
| 2018-03-01 | 0 days | 2,341 sqft |
| 2018-04-01 | 0 days | 2,371 sqft |
| 2018-05-01 | 0 days | 2,333 sqft |
| 2018-06-01 | 0 days | 2,228 sqft |
| 2018-07-01 | 0 days | 2,112 sqft |
| 2018-08-01 | 0 days | 2,259 sqft |
| 2018-09-01 | 0 days | 2,295 sqft |
| 2018-10-01 | 0 days | 2,365 sqft |
| 2018-11-01 | 0 days | 2,442 sqft |
| 2018-12-01 | 0 days | 2,458 sqft |
| 2019-01-01 | 0 days | 2,225 sqft |
| 2019-02-01 | 0 days | 2,407 sqft |
| 2019-03-01 | 0 days | 2,555 sqft |
| 2019-04-01 | 0 days | 2,538 sqft |
| 2019-05-01 | 0 days | 2,534 sqft |
| 2019-06-01 | 0 days | 2,430 sqft |
| 2019-07-01 | 0 days | 2,329 sqft |
| 2019-08-01 | 0 days | 2,313 sqft |
| 2019-09-01 | 0 days | 2,277 sqft |
| 2019-10-01 | 0 days | 2,292 sqft |
| 2019-11-01 | 0 days | 2,300 sqft |
| 2019-12-01 | 0 days | 2,345 sqft |
| 2020-01-01 | 0 days | 2,300 sqft |
| 2020-02-01 | 0 days | 2,207 sqft |
| 2020-03-01 | 0 days | 2,497 sqft |
| 2020-04-01 | 0 days | 2,539 sqft |
| 2020-05-01 | 0 days | 2,550 sqft |
| 2020-06-01 | 0 days | 2,735 sqft |
| 2020-07-01 | 0 days | 2,622 sqft |
| 2020-08-01 | 0 days | 2,418 sqft |
| 2020-09-01 | 0 days | 2,202 sqft |
| 2020-10-01 | 0 days | 2,018 sqft |
| 2020-11-01 | 0 days | 2,080 sqft |
| 2020-12-01 | 0 days | 2,004 sqft |
| 2021-01-01 | 0 days | 2,128 sqft |
| 2021-02-01 | 0 days | 2,423 sqft |
| 2021-03-01 | 0 days | 2,532 sqft |
| 2021-04-01 | 0 days | 2,348 sqft |
| 2021-05-01 | 0 days | 2,184 sqft |
| 2021-06-01 | 0 days | 2,251 sqft |
| 2021-07-01 | 0 days | 2,360 sqft |
| 2021-08-01 | 0 days | 2,574 sqft |
| 2021-09-01 | 0 days | 2,563 sqft |
| 2021-10-01 | 0 days | 2,341 sqft |
| 2021-11-01 | 0 days | 2,251 sqft |
| 2021-12-01 | 0 days | 2,217 sqft |
| 2022-01-01 | 0 days | 2,217 sqft |
| 2022-02-01 | 0 days | 2,680 sqft |
| 2022-03-01 | 0 days | 2,783 sqft |
| 2022-04-01 | 0 days | 2,800 sqft |
| 2022-05-01 | 0 days | 2,322 sqft |
| 2022-06-01 | 0 days | 2,260 sqft |
| 2022-07-01 | 0 days | 2,264 sqft |
| 2022-08-01 | 0 days | 2,242 sqft |
| 2022-09-01 | 0 days | 2,181 sqft |
| 2022-10-01 | 0 days | 2,263 sqft |
| 2022-11-01 | 0 days | 2,267 sqft |
| 2022-12-01 | 0 days | 2,256 sqft |
| 2023-01-01 | 0 days | 2,274 sqft |
| 2023-02-01 | 0 days | 2,499 sqft |
| 2023-03-01 | 0 days | 2,551 sqft |
| 2023-04-01 | 0 days | 2,657 sqft |
| 2023-05-01 | 0 days | 2,593 sqft |
| 2023-06-01 | 0 days | 2,575 sqft |
| 2023-07-01 | 0 days | 2,492 sqft |
| 2023-08-01 | 0 days | 2,514 sqft |
| 2023-09-01 | 0 days | 2,464 sqft |
| 2023-10-01 | 0 days | 2,232 sqft |
| 2023-11-01 | 0 days | 2,174 sqft |
| 2023-12-01 | 0 days | 2,150 sqft |
| 2024-01-01 | 0 days | 2,152 sqft |
| 2024-02-01 | 0 days | 2,245 sqft |
| 2024-03-01 | 0 days | 2,242 sqft |
| 2024-04-01 | 0 days | 2,365 sqft |
| 2024-05-01 | 0 days | 2,359 sqft |
| 2024-06-01 | 0 days | 2,425 sqft |
| 2024-07-01 | 0 days | 2,330 sqft |
| 2024-08-01 | 0 days | 2,247 sqft |
| 2024-09-01 | 0 days | 2,251 sqft |
| 2024-10-01 | 0 days | 2,188 sqft |
| 2024-11-01 | 0 days | 2,189 sqft |
| 2024-12-01 | 0 days | 2,154 sqft |
| 2025-01-01 | 0 days | 2,143 sqft |
Pocatello's median square footage for active listings during the 2025-01-01 period was 2,143 sqft. One year prior, the average listing was 2,152 sqft.