Pullman USDA Loan Rates, Closing Costs & Stats

Pullman, WA

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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.

    Pullman USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Pullman averaged 6.55% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Pullman's average USDA mortgage closing costs are $6,048.

    The average rate for the prior week (2025-02-07) was 6.31% and one month ago for the week of 2025-01-10, the average rate was 6.46%.

    The average rate one year ago was 6.35%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.53%.

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

    Pullman 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 Pullman level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Pullman (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 $238,125 (33.0%) $242,524 (13.6%) 0.00 87
    2018-02-01 $240,350 (13.9%) $249,576 (8.4%) 0.00 114
    2018-03-01 $252,500 (15.2%) $261,608 (10.7%) 0.00 151
    2018-04-01 $250,000 (8.7%) $260,109 (7.8%) 0.00 163
    2018-05-01 $254,500 (8.3%) $271,608 (10.9%) 0.00 147
    2018-06-01 $252,000 (1.0%) $273,690 (9.3%) 0.00 121
    2018-07-01 $249,900 (2.0%) $269,441 (8.5%) 0.00 153
    2018-08-01 $249,900 (0.3%) $263,200 (3.2%) 0.00 153
    2018-09-01 $252,000 (1.2%) $264,804 (6.0%) 0.00 139
    2018-10-01 $254,675 (2.1%) $273,095 (9.6%) 0.00 119
    2018-11-01 $257,250 (3.2%) $270,835 (7.8%) 0.00 112
    2018-12-01 $245,000 (2.1%) $257,291 (3.9%) 0.00 96
    2019-01-01 $275,250 (15.6%) $284,320 (17.2%) 0.00 89
    2019-02-01 $278,500 (15.9%) $296,354 (18.7%) 0.00 104
    2019-03-01 $292,100 (15.7%) $311,289 (19.0%) 0.00 95
    2019-04-01 $315,950 (26.4%) $329,341 (26.6%) 0.00 92
    2019-05-01 $307,975 (21.0%) $323,177 (19.0%) 0.00 99
    2019-06-01 $295,000 (17.1%) $320,453 (17.1%) 0.00 112
    2019-07-01 $305,750 (22.4%) $321,544 (19.3%) 0.00 117
    2019-08-01 $286,818 (14.8%) $304,999 (15.9%) 0.00 122
    2019-09-01 $274,545 (9.0%) $296,139 (11.8%) 0.00 120
    2019-10-01 $266,364 (4.6%) $290,232 (6.3%) 0.00 112
    2019-11-01 $269,000 (4.6%) $291,183 (7.5%) 0.00 99
    2019-12-01 $253,125 (3.3%) $276,342 (7.4%) 0.00 75
    2020-01-01 $256,750 (-6.7%) $283,772 (-0.2%) 0.00 72
    2020-02-01 $285,000 (2.3%) $328,344 (10.8%) 0.00 85
    2020-03-01 $313,500 (7.3%) $350,875 (12.7%) 0.00 90
    2020-04-01 $329,949 (4.4%) $356,998 (8.4%) 0.00 97
    2020-05-01 $302,500 (-1.8%) $339,878 (5.2%) 0.00 94
    2020-06-01 $302,250 (2.5%) $332,182 (3.7%) 0.00 78
    2020-07-01 $322,450 (5.5%) $344,576 (7.2%) 0.00 79
    2020-08-01 $292,000 (1.8%) $338,062 (10.8%) 0.00 73
    2020-09-01 $290,750 (5.9%) $323,080 (9.1%) 0.00 79
    2020-10-01 $305,500 (14.7%) $336,484 (15.9%) 0.00 70
    2020-11-01 $323,650 (20.3%) $347,058 (19.2%) 0.00 64
    2020-12-01 $312,500 (23.5%) $335,661 (21.5%) 0.00 63
    2021-01-01 $324,900 (26.5%) $340,899 (20.1%) 0.00 48
    2021-02-01 $356,950 (25.3%) $359,079 (9.4%) 0.00 48
    2021-03-01 $364,923 (16.4%) $368,870 (5.1%) 0.00 45
    2021-04-01 $330,000 (0.0%) $357,331 (0.1%) 0.00 49
    2021-05-01 $359,000 (18.7%) $418,088 (23.0%) 0.00 39
    2021-06-01 $349,000 (15.5%) $391,482 (17.9%) 0.00 52
    2021-07-01 $345,000 (7.0%) $389,875 (13.2%) 0.00 53
    2021-08-01 $336,875 (15.4%) $380,872 (12.7%) 0.00 48
    2021-09-01 $323,350 (11.2%) $377,940 (17.0%) 0.00 42
    2021-10-01 $329,000 (7.7%) $393,875 (17.1%) 0.00 41
    2021-11-01 $348,000 (7.5%) $417,522 (20.3%) 0.00 40
    2021-12-01 $349,500 (11.8%) $418,658 (24.7%) 0.00 41
    2022-01-01 $350,000 (7.7%) $412,024 (20.9%) 0.00 36
    2022-02-01 $382,000 (7.0%) $448,715 (25.0%) 0.00 42
    2022-03-01 $402,500 (10.3%) $451,947 (22.5%) 0.00 36
    2022-04-01 $367,000 (11.2%) $452,224 (26.6%) 0.00 47
    2022-05-01 $399,000 (11.1%) $537,862 (28.7%) 0.00 64
    2022-06-01 $398,450 (14.2%) $500,735 (27.9%) 0.00 75
    2022-07-01 $394,500 (14.4%) $474,766 (21.8%) 0.00 81
    2022-08-01 $407,475 (21.0%) $474,992 (24.7%) 0.00 83
    2022-09-01 $405,000 (25.3%) $475,095 (25.7%) 0.00 83
    2022-10-01 $389,000 (18.2%) $461,530 (17.2%) 0.00 84
    2022-11-01 $375,000 (7.8%) $456,043 (9.2%) 0.00 83
    2022-12-01 $382,450 (9.4%) $473,675 (13.1%) 0.00 77
    2023-01-01 $414,500 (18.4%) $480,786 (16.7%) 0.00 69
    2023-02-01 $415,000 (8.6%) $495,411 (10.4%) 0.00 63
    2023-03-01 $473,375 (17.6%) $525,476 (16.3%) 0.00 67
    2023-04-01 $469,000 (27.8%) $533,726 (18.0%) 0.00 63
    2023-05-01 $457,975 (14.8%) $532,641 (-1.0%) 0.00 77
    2023-06-01 $470,950 (18.2%) $535,420 (6.9%) 0.00 91
    2023-07-01 $482,500 (22.3%) $528,998 (11.4%) 0.00 94
    2023-08-01 $450,000 (10.4%) $513,501 (8.1%) 0.00 99
    2023-09-01 $456,000 (12.6%) $500,891 (5.4%) 0.00 105
    2023-10-01 $426,125 (9.5%) $481,136 (4.3%) 0.00 93
    2023-11-01 $435,000 (16.0%) $488,212 (7.1%) 0.00 91
    2023-12-01 $439,000 (14.8%) $504,458 (6.5%) 0.00 77
    2024-01-01 $473,125 (14.1%) $554,175 (15.3%) 0.00 73
    2024-02-01 $465,875 (12.3%) $534,598 (7.9%) 0.00 77
    2024-03-01 $450,000 (-4.9%) $489,366 (-6.9%) 0.00 94
    2024-04-01 $472,250 (0.7%) $510,822 (-4.3%) 0.00 109
    2024-05-01 $484,825 (5.9%) $503,021 (-5.6%) 0.00 124
    2024-06-01 $465,000 (-1.3%) $502,487 (-6.2%) 0.00 124
    2024-07-01 $458,500 (-5.0%) $497,235 (-6.0%) 0.00 128
    2024-08-01 $460,000 (2.2%) $494,191 (-3.8%) 0.00 143
    2024-09-01 $449,950 (-1.3%) $481,238 (-3.9%) 0.00 140
    2024-10-01 $424,250 (-0.4%) $462,532 (-3.9%) 0.00 136
    2024-11-01 $412,500 (-5.2%) $460,540 (-5.7%) 0.00 111
    2024-12-01 $392,000 (-10.7%) $432,609 (-14.2%) 0.00 95
    2025-01-01 $397,225 (-16.0%) $438,859 (-20.8%) 0.00 83
    Pullman's median listing price for 2025-01-01 was $397,225, a difference of $-75,900 (-16.0%) versus the prior year and $5,225 versus the prior month.

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

    Pullman's average listing price for 2025-01-01 was $438,859, a difference of $-115,316 (-20.8%) versus the prior year and $6,250 versus the prior month.

    For the 2025-01-01 period, Pullman had 83 MLS listings, a difference of -12 listings (-13%) versus the prior month and 10 listings (14%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Pullman (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,106 sqft
    2018-02-01 0 days 2,051 sqft
    2018-03-01 0 days 1,904 sqft
    2018-04-01 0 days 1,907 sqft
    2018-05-01 0 days 2,008 sqft
    2018-06-01 0 days 1,949 sqft
    2018-07-01 0 days 1,902 sqft
    2018-08-01 0 days 1,878 sqft
    2018-09-01 0 days 1,872 sqft
    2018-10-01 0 days 1,912 sqft
    2018-11-01 0 days 1,968 sqft
    2018-12-01 0 days 1,872 sqft
    2019-01-01 0 days 1,900 sqft
    2019-02-01 0 days 1,972 sqft
    2019-03-01 0 days 2,120 sqft
    2019-04-01 0 days 2,334 sqft
    2019-05-01 0 days 2,229 sqft
    2019-06-01 0 days 2,190 sqft
    2019-07-01 0 days 2,179 sqft
    2019-08-01 0 days 2,150 sqft
    2019-09-01 0 days 2,175 sqft
    2019-10-01 0 days 2,192 sqft
    2019-11-01 0 days 2,112 sqft
    2019-12-01 0 days 2,037 sqft
    2020-01-01 0 days 2,076 sqft
    2020-02-01 0 days 2,279 sqft
    2020-03-01 0 days 2,335 sqft
    2020-04-01 0 days 2,364 sqft
    2020-05-01 0 days 2,262 sqft
    2020-06-01 0 days 2,204 sqft
    2020-07-01 0 days 2,349 sqft
    2020-08-01 0 days 2,224 sqft
    2020-09-01 0 days 1,930 sqft
    2020-10-01 0 days 2,108 sqft
    2020-11-01 0 days 2,181 sqft
    2020-12-01 0 days 2,072 sqft
    2021-01-01 0 days 2,021 sqft
    2021-02-01 0 days 2,148 sqft
    2021-03-01 0 days 2,373 sqft
    2021-04-01 0 days 2,227 sqft
    2021-05-01 0 days 2,288 sqft
    2021-06-01 0 days 2,410 sqft
    2021-07-01 0 days 2,400 sqft
    2021-08-01 0 days 2,147 sqft
    2021-09-01 0 days 2,297 sqft
    2021-10-01 0 days 2,390 sqft
    2021-11-01 0 days 2,355 sqft
    2021-12-01 0 days 2,141 sqft
    2022-01-01 0 days 2,012 sqft
    2022-02-01 0 days 2,318 sqft
    2022-03-01 0 days 2,146 sqft
    2022-04-01 0 days 2,108 sqft
    2022-05-01 0 days 2,137 sqft
    2022-06-01 0 days 2,199 sqft
    2022-07-01 0 days 2,166 sqft
    2022-08-01 0 days 2,206 sqft
    2022-09-01 0 days 2,193 sqft
    2022-10-01 0 days 2,125 sqft
    2022-11-01 0 days 2,109 sqft
    2022-12-01 0 days 2,109 sqft
    2023-01-01 0 days 2,052 sqft
    2023-02-01 0 days 2,062 sqft
    2023-03-01 0 days 2,136 sqft
    2023-04-01 0 days 2,268 sqft
    2023-05-01 0 days 2,327 sqft
    2023-06-01 0 days 2,276 sqft
    2023-07-01 0 days 2,386 sqft
    2023-08-01 0 days 2,279 sqft
    2023-09-01 0 days 2,402 sqft
    2023-10-01 0 days 2,327 sqft
    2023-11-01 0 days 2,381 sqft
    2023-12-01 0 days 2,351 sqft
    2024-01-01 0 days 2,403 sqft
    2024-02-01 0 days 2,373 sqft
    2024-03-01 0 days 2,353 sqft
    2024-04-01 0 days 2,331 sqft
    2024-05-01 0 days 2,329 sqft
    2024-06-01 0 days 2,348 sqft
    2024-07-01 0 days 2,391 sqft
    2024-08-01 0 days 2,356 sqft
    2024-09-01 0 days 2,203 sqft
    2024-10-01 0 days 2,158 sqft
    2024-11-01 0 days 2,103 sqft
    2024-12-01 0 days 1,960 sqft
    2025-01-01 0 days 2,047 sqft
    Pullman's median listing age (time on market) for 2025-01-01 was 0 days.

    Pullman's median square footage for active listings during the 2025-01-01 period was 2,047 sqft. One year prior, the average listing was 2,403 sqft.