Tahlequah USDA Loan Rates, Closing Costs & Stats
Tahlequah, OK
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.
Tahlequah's 9 lenders originated 25 USDA loans during 2023. The total origination value was $4,295,000, with an average USDA loan value of $171,800.
Tahlequah USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Tahlequah
averaged
-0.02%
for the week of 2024-11-29, compared to the national average (all USDA variants) of
0% for the same period.
Tahlequah's average USDA mortgage closing costs are $6,050.
The average rate for the prior week (2024-11-22) was
6.28% and
one month ago for the week of 2024-10-25, the
average rate was 6.18%.
The average rate one year ago was 7.18%.
For refis of the same type during the week of 2024-11-29, the average rate
was -0.2%.
Tahlequah 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 Tahlequah level.
Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
---|---|---|---|
OPEN MORTGAGE, LLC | 8 | 6.45% | $9,409 |
United Fidelity Funding Corp. | 4 | 6.66% | $7,185 |
TTCU Federal Credit Union | 3 | 6.75% | $5,331 |
BancFirst | 2 | 6.63% | $6,174 |
Arvest Bank | 2 | 7.44% | $5,791 |
MID AMERICA MORTGAGE, INC. | 2 | 7.06% | $5,418 |
US MORTGAGE CORPORATION | 1 | 6.25% | $4,910 |
First United Bank and Trust Company | 1 | 7.63% | $6,948 |
American Bank of Oklahoma | 1 | 6.38% | $6,779 |
The top Tahlequah USDA lender as defined by loan originations is OPEN MORTGAGE, LLC, with
8 USDA loans originated. Their average total fees are
$9,409, which is $2,224
higher than the next largest lender,
United Fidelity Funding Corp..
The lowest fee Tahlequah USDA lenders (with over 10 loans originated) are
.
The lowest rate Tahlequah USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Tahlequah (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $160,200 (14.1%) | $197,932 (5.5%) | 0.00 | 231 |
2018-02-01 | $158,725 (9.7%) | $193,359 (-1.5%) | 0.00 | 232 |
2018-03-01 | $155,000 (6.6%) | $191,981 (-4.4%) | 0.00 | 223 |
2018-04-01 | $153,215 (4.6%) | $188,218 (-3.4%) | 0.00 | 231 |
2018-05-01 | $160,750 (10.9%) | $203,703 (6.4%) | 0.00 | 215 |
2018-06-01 | $154,900 (7.8%) | $196,219 (5.4%) | 0.00 | 223 |
2018-07-01 | $157,850 (12.8%) | $200,630 (8.4%) | 0.00 | 227 |
2018-08-01 | $152,475 (2.9%) | $197,306 (2.9%) | 0.00 | 229 |
2018-09-01 | $149,950 (-1.0%) | $195,383 (-2.2%) | 0.00 | 220 |
2018-10-01 | $158,588 (1.0%) | $201,751 (0.1%) | 0.00 | 211 |
2018-11-01 | $177,400 (8.3%) | $210,627 (4.5%) | 0.00 | 202 |
2018-12-01 | $179,900 (14.2%) | $211,139 (6.9%) | 0.00 | 185 |
2019-01-01 | $168,700 (5.3%) | $204,265 (3.2%) | 0.00 | 189 |
2019-02-01 | $155,000 (-2.4%) | $197,647 (2.2%) | 0.00 | 187 |
2019-03-01 | $154,000 (-0.7%) | $196,457 (2.3%) | 0.00 | 187 |
2019-04-01 | $154,100 (0.6%) | $202,311 (7.5%) | 0.00 | 186 |
2019-05-01 | $163,775 (1.9%) | $213,271 (4.7%) | 0.00 | 204 |
2019-06-01 | $167,450 (8.1%) | $218,992 (11.6%) | 0.00 | 205 |
2019-07-01 | $160,375 (1.6%) | $219,864 (9.6%) | 0.00 | 210 |
2019-08-01 | $165,973 (8.9%) | $225,640 (14.4%) | 0.00 | 215 |
2019-09-01 | $173,807 (15.9%) | $233,474 (19.5%) | 0.00 | 217 |
2019-10-01 | $182,450 (15.1%) | $240,334 (19.1%) | 0.00 | 218 |
2019-11-01 | $182,700 (3.0%) | $241,845 (14.8%) | 0.00 | 203 |
2019-12-01 | $188,900 (5.0%) | $248,056 (17.5%) | 0.00 | 199 |
2020-01-01 | $178,000 (5.5%) | $235,130 (15.1%) | 0.00 | 198 |
2020-02-01 | $169,900 (9.6%) | $232,929 (17.9%) | 0.00 | 189 |
2020-03-01 | $175,475 (13.9%) | $234,140 (19.2%) | 0.00 | 199 |
2020-04-01 | $181,850 (18.0%) | $234,692 (16.0%) | 0.00 | 193 |
2020-05-01 | $189,900 (16.0%) | $242,405 (13.7%) | 0.00 | 173 |
2020-06-01 | $189,900 (13.4%) | $241,038 (10.1%) | 0.00 | 172 |
2020-07-01 | $195,875 (22.1%) | $252,962 (15.1%) | 0.00 | 160 |
2020-08-01 | $199,100 (20.0%) | $268,518 (19.0%) | 0.00 | 130 |
2020-09-01 | $189,500 (9.0%) | $266,430 (14.1%) | 0.00 | 110 |
2020-10-01 | $187,400 (2.7%) | $273,323 (13.7%) | 0.00 | 89 |
2020-11-01 | $189,925 (4.0%) | $278,888 (15.3%) | 0.00 | 83 |
2020-12-01 | $201,975 (6.9%) | $285,060 (14.9%) | 0.00 | 70 |
2021-01-01 | $199,500 (12.1%) | $271,064 (15.3%) | 0.00 | 67 |
2021-02-01 | $204,450 (20.3%) | $285,371 (22.5%) | 0.00 | 68 |
2021-03-01 | $189,300 (7.9%) | $273,360 (16.8%) | 0.00 | 62 |
2021-04-01 | $192,500 (5.9%) | $295,521 (25.9%) | 0.00 | 55 |
2021-05-01 | $195,750 (3.1%) | $300,216 (23.9%) | 0.00 | 61 |
2021-06-01 | $211,075 (11.2%) | $335,042 (39.0%) | 0.00 | 63 |
2021-07-01 | $209,950 (7.2%) | $318,685 (26.0%) | 0.00 | 70 |
2021-08-01 | $219,700 (10.4%) | $309,759 (15.4%) | 0.00 | 70 |
2021-09-01 | $220,950 (16.6%) | $318,184 (19.4%) | 0.00 | 75 |
2021-10-01 | $219,900 (17.3%) | $318,219 (16.4%) | 0.00 | 69 |
2021-11-01 | $228,000 (20.1%) | $332,573 (19.3%) | 0.00 | 67 |
2021-12-01 | $219,900 (8.9%) | $315,689 (10.7%) | 0.00 | 77 |
2022-01-01 | $220,000 (10.3%) | $315,438 (16.4%) | 0.00 | 76 |
2022-02-01 | $232,500 (13.7%) | $343,522 (20.4%) | 0.00 | 68 |
2022-03-01 | $240,000 (26.8%) | $321,875 (17.8%) | 0.00 | 71 |
2022-04-01 | $264,500 (37.4%) | $347,748 (17.7%) | 0.00 | 71 |
2022-05-01 | $258,850 (32.2%) | $326,693 (8.8%) | 0.00 | 80 |
2022-06-01 | $274,225 (29.9%) | $354,039 (5.7%) | 0.00 | 79 |
2022-07-01 | $265,000 (26.2%) | $354,664 (11.3%) | 0.00 | 93 |
2022-08-01 | $268,375 (22.2%) | $352,485 (13.8%) | 0.00 | 103 |
2022-09-01 | $239,000 (8.2%) | $344,493 (8.3%) | 0.00 | 113 |
2022-10-01 | $239,500 (8.9%) | $335,024 (5.3%) | 0.00 | 106 |
2022-11-01 | $234,213 (2.7%) | $329,497 (-0.9%) | 0.00 | 118 |
2022-12-01 | $249,000 (13.2%) | $327,321 (3.7%) | 0.00 | 126 |
2023-01-01 | $269,900 (22.7%) | $349,011 (10.6%) | 0.00 | 115 |
2023-02-01 | $285,000 (22.6%) | $354,576 (3.2%) | 0.00 | 117 |
2023-03-01 | $268,850 (12.0%) | $337,891 (5.0%) | 0.00 | 120 |
2023-04-01 | $259,000 (-2.1%) | $322,800 (-7.2%) | 0.00 | 115 |
2023-05-01 | $274,725 (6.1%) | $334,844 (2.5%) | 0.00 | 114 |
2023-06-01 | $279,900 (2.1%) | $330,513 (-6.6%) | 0.00 | 108 |
2023-07-01 | $260,000 (-1.9%) | $309,672 (-12.7%) | 0.00 | 106 |
2023-08-01 | $257,450 (-4.1%) | $310,247 (-12.0%) | 0.00 | 117 |
2023-09-01 | $259,950 (8.8%) | $316,024 (-8.3%) | 0.00 | 119 |
2023-10-01 | $256,100 (6.9%) | $313,115 (-6.5%) | 0.00 | 110 |
2023-11-01 | $270,856 (15.7%) | $323,704 (-1.8%) | 0.00 | 111 |
2023-12-01 | $247,500 (-0.6%) | $294,640 (-10.0%) | 0.00 | 126 |
2024-01-01 | $272,000 (0.8%) | $318,153 (-8.8%) | 0.00 | 121 |
2024-02-01 | $275,450 (-3.4%) | $350,942 (-1.0%) | 0.00 | 133 |
2024-03-01 | $274,700 (2.2%) | $342,116 (1.3%) | 0.00 | 131 |
2024-04-01 | $270,425 (4.4%) | $334,646 (3.7%) | 0.00 | 140 |
2024-05-01 | $277,225 (0.9%) | $349,175 (4.3%) | 0.00 | 145 |
2024-06-01 | $279,999 (0.0%) | $353,892 (7.1%) | 0.00 | 149 |
2024-07-01 | $284,475 (9.4%) | $345,215 (11.5%) | 0.00 | 145 |
2024-08-01 | $283,000 (9.9%) | $347,277 (11.9%) | 0.00 | 143 |
2024-09-01 | $285,000 (9.6%) | $363,359 (15.0%) | 0.00 | 138 |
2024-10-01 | $281,950 (10.1%) | $354,941 (13.4%) | 0.00 | 137 |
Tahlequah's median listing price comes in at 0% of the national average.
Tahlequah's average listing price for 2024-10-01 was $354,941, a difference of $41,826 (13.4%) versus the prior year and $-8,418 versus the prior month.
For the 2024-10-01 period, Tahlequah had 137 MLS listings, a difference of -1 listings (-1%) versus the prior month and 27 listings (25%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Tahlequah (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,786 sqft |
2018-02-01 | 0 days | 1,749 sqft |
2018-03-01 | 0 days | 1,743 sqft |
2018-04-01 | 0 days | 1,694 sqft |
2018-05-01 | 0 days | 1,762 sqft |
2018-06-01 | 0 days | 1,765 sqft |
2018-07-01 | 0 days | 1,778 sqft |
2018-08-01 | 0 days | 1,755 sqft |
2018-09-01 | 0 days | 1,754 sqft |
2018-10-01 | 0 days | 1,788 sqft |
2018-11-01 | 0 days | 1,794 sqft |
2018-12-01 | 0 days | 1,817 sqft |
2019-01-01 | 0 days | 1,794 sqft |
2019-02-01 | 0 days | 1,798 sqft |
2019-03-01 | 0 days | 1,794 sqft |
2019-04-01 | 0 days | 1,796 sqft |
2019-05-01 | 0 days | 1,810 sqft |
2019-06-01 | 0 days | 1,804 sqft |
2019-07-01 | 0 days | 1,810 sqft |
2019-08-01 | 0 days | 1,824 sqft |
2019-09-01 | 0 days | 1,833 sqft |
2019-10-01 | 0 days | 1,861 sqft |
2019-11-01 | 0 days | 1,878 sqft |
2019-12-01 | 0 days | 1,848 sqft |
2020-01-01 | 0 days | 1,794 sqft |
2020-02-01 | 0 days | 1,794 sqft |
2020-03-01 | 0 days | 1,779 sqft |
2020-04-01 | 0 days | 1,782 sqft |
2020-05-01 | 0 days | 1,894 sqft |
2020-06-01 | 0 days | 1,832 sqft |
2020-07-01 | 0 days | 1,903 sqft |
2020-08-01 | 0 days | 1,924 sqft |
2020-09-01 | 0 days | 1,796 sqft |
2020-10-01 | 0 days | 1,830 sqft |
2020-11-01 | 0 days | 1,862 sqft |
2020-12-01 | 0 days | 1,902 sqft |
2021-01-01 | 0 days | 1,730 sqft |
2021-02-01 | 0 days | 1,763 sqft |
2021-03-01 | 0 days | 1,724 sqft |
2021-04-01 | 0 days | 1,668 sqft |
2021-05-01 | 0 days | 1,684 sqft |
2021-06-01 | 0 days | 1,696 sqft |
2021-07-01 | 0 days | 1,684 sqft |
2021-08-01 | 0 days | 1,592 sqft |
2021-09-01 | 0 days | 1,701 sqft |
2021-10-01 | 0 days | 1,647 sqft |
2021-11-01 | 0 days | 1,691 sqft |
2021-12-01 | 0 days | 1,688 sqft |
2022-01-01 | 0 days | 1,700 sqft |
2022-02-01 | 0 days | 1,764 sqft |
2022-03-01 | 0 days | 1,823 sqft |
2022-04-01 | 0 days | 1,842 sqft |
2022-05-01 | 0 days | 1,786 sqft |
2022-06-01 | 0 days | 1,887 sqft |
2022-07-01 | 0 days | 1,690 sqft |
2022-08-01 | 0 days | 1,716 sqft |
2022-09-01 | 0 days | 1,632 sqft |
2022-10-01 | 0 days | 1,692 sqft |
2022-11-01 | 0 days | 1,680 sqft |
2022-12-01 | 0 days | 1,749 sqft |
2023-01-01 | 0 days | 1,808 sqft |
2023-02-01 | 0 days | 1,842 sqft |
2023-03-01 | 0 days | 1,792 sqft |
2023-04-01 | 0 days | 1,812 sqft |
2023-05-01 | 0 days | 1,896 sqft |
2023-06-01 | 0 days | 1,883 sqft |
2023-07-01 | 0 days | 1,802 sqft |
2023-08-01 | 0 days | 1,736 sqft |
2023-09-01 | 0 days | 1,697 sqft |
2023-10-01 | 0 days | 1,644 sqft |
2023-11-01 | 0 days | 1,762 sqft |
2023-12-01 | 0 days | 1,619 sqft |
2024-01-01 | 0 days | 1,677 sqft |
2024-02-01 | 0 days | 1,737 sqft |
2024-03-01 | 0 days | 1,733 sqft |
2024-04-01 | 0 days | 1,711 sqft |
2024-05-01 | 0 days | 1,755 sqft |
2024-06-01 | 0 days | 1,838 sqft |
2024-07-01 | 0 days | 1,850 sqft |
2024-08-01 | 0 days | 1,740 sqft |
2024-09-01 | 0 days | 1,821 sqft |
2024-10-01 | 0 days | 1,850 sqft |
Tahlequah's median square footage for active listings during the 2024-10-01 period was 1,850 sqft. One year prior, the average listing was 1,644 sqft.