The Dalles USDA Loan Rates, Closing Costs & Stats

The Dalles, OR

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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.

    The Dalles's 2 lenders originated 2 USDA loans during 2023. The total origination value was $660,000, with an average USDA loan value of $330,000.

    The Dalles USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in The Dalles averaged 6.64% for the week of 2024-04-19, compared to the national average (all USDA variants) of 6.863% for the same period.

    The Dalles's average USDA mortgage closing costs are $7,157.

    The average rate for the prior week (2024-04-12) was 6.6% and one month ago for the week of 2024-03-15, the average rate was 6.58%.

    The average rate one year ago was 6.52%.

    For refis of the same type during the week of 2024-04-19, the average rate was 7.06%.

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

    The Dalles 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 The Dalles level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    GUARANTEED RATE, INC. 1 6.75% $9,893
    SUMMIT FUNDING, INC. 1 5.75% $15,957

    The top The Dalles USDA lender as defined by loan originations is GUARANTEED RATE, INC., with 1 USDA loans originated. Their average total fees are $9,893, which is $6,064 lower than the next largest lender, SUMMIT FUNDING, INC..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - The Dalles (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 $283,700 (5.9%) $325,223 (5.6%) 0.00 61
    2018-02-01 $293,450 (6.7%) $336,418 (3.4%) 0.00 51
    2018-03-01 $295,000 (5.7%) $345,863 (8.2%) 0.00 55
    2018-04-01 $329,000 (16.7%) $357,346 (8.3%) 0.00 65
    2018-05-01 $329,000 (13.6%) $369,903 (11.9%) 0.00 64
    2018-06-01 $330,000 (3.6%) $381,844 (11.7%) 0.00 71
    2018-07-01 $326,950 (-2.8%) $370,171 (-4.3%) 0.00 72
    2018-08-01 $329,000 (-4.3%) $372,701 (-3.2%) 0.00 85
    2018-09-01 $304,925 (-10.3%) $363,596 (-4.0%) 0.00 82
    2018-10-01 $301,975 (-5.2%) $368,148 (-0.8%) 0.00 80
    2018-11-01 $308,450 (4.3%) $381,059 (6.1%) 0.00 82
    2018-12-01 $315,000 (7.9%) $395,051 (11.7%) 0.00 73
    2019-01-01 $321,000 (13.2%) $384,347 (18.2%) 0.00 73
    2019-02-01 $315,000 (7.3%) $382,147 (13.6%) 0.00 74
    2019-03-01 $328,714 (11.4%) $386,513 (11.8%) 0.00 70
    2019-04-01 $348,000 (5.8%) $405,648 (13.5%) 0.00 71
    2019-05-01 $342,000 (4.0%) $420,071 (13.6%) 0.00 70
    2019-06-01 $347,000 (5.2%) $416,300 (9.0%) 0.00 97
    2019-07-01 $354,900 (8.6%) $428,179 (15.7%) 0.00 99
    2019-08-01 $348,455 (5.9%) $430,732 (15.6%) 0.00 102
    2019-09-01 $347,636 (14.0%) $435,863 (19.9%) 0.00 105
    2019-10-01 $347,000 (14.9%) $435,686 (18.4%) 0.00 101
    2019-11-01 $338,450 (9.7%) $431,085 (13.1%) 0.00 92
    2019-12-01 $318,675 (1.2%) $420,819 (6.5%) 0.00 85
    2020-01-01 $336,700 (4.9%) $440,707 (14.7%) 0.00 74
    2020-02-01 $344,450 (9.4%) $446,586 (16.9%) 0.00 72
    2020-03-01 $349,450 (6.3%) $461,096 (19.3%) 0.00 76
    2020-04-01 $347,000 (-0.3%) $451,675 (11.4%) 0.00 85
    2020-05-01 $349,000 (2.1%) $456,461 (8.7%) 0.00 85
    2020-06-01 $334,700 (-3.5%) $441,045 (5.9%) 0.00 71
    2020-07-01 $342,250 (-3.6%) $449,144 (4.9%) 0.00 67
    2020-08-01 $349,000 (0.2%) $450,506 (4.6%) 0.00 65
    2020-09-01 $349,000 (0.4%) $465,625 (6.8%) 0.00 60
    2020-10-01 $349,900 (0.8%) $502,737 (15.4%) 0.00 50
    2020-11-01 $374,950 (10.8%) $513,337 (19.1%) 0.00 45
    2020-12-01 $365,013 (14.5%) $528,689 (25.6%) 0.00 41
    2021-01-01 $401,900 (19.4%) $538,220 (22.1%) 0.00 33
    2021-02-01 $386,950 (12.3%) $525,368 (17.6%) 0.00 34
    2021-03-01 $394,225 (12.8%) $537,463 (16.6%) 0.00 30
    2021-04-01 $444,500 (28.1%) $596,111 (32.0%) 0.00 26
    2021-05-01 $389,000 (11.5%) $532,899 (16.8%) 0.00 29
    2021-06-01 $382,975 (14.4%) $526,353 (19.3%) 0.00 33
    2021-07-01 $393,750 (15.1%) $573,117 (27.6%) 0.00 23
    2021-08-01 $417,500 (19.6%) $680,263 (51.0%) 0.00 27
    2021-09-01 $422,075 (20.9%) $655,888 (40.9%) 0.00 40
    2021-10-01 $492,500 (40.8%) $702,593 (39.8%) 0.00 34
    2021-11-01 $477,225 (27.3%) $701,535 (36.7%) 0.00 31
    2021-12-01 $489,725 (34.2%) $741,284 (40.2%) 0.00 24
    2022-01-01 $489,000 (21.7%) $683,872 (27.1%) 0.00 21
    2022-02-01 $413,500 (6.9%) $615,088 (17.1%) 0.00 23
    2022-03-01 $431,150 (9.4%) $590,742 (9.9%) 0.00 22
    2022-04-01 $447,000 (0.6%) $626,975 (5.2%) 0.00 22
    2022-05-01 $480,250 (23.5%) $689,288 (29.4%) 0.00 38
    2022-06-01 $474,500 (23.9%) $701,527 (33.3%) 0.00 42
    2022-07-01 $440,000 (11.8%) $618,705 (8.0%) 0.00 58
    2022-08-01 $415,500 (-0.5%) $590,014 (-13.3%) 0.00 60
    2022-09-01 $423,750 (0.4%) $592,181 (-9.7%) 0.00 63
    2022-10-01 $440,000 (-10.7%) $624,474 (-11.1%) 0.00 61
    2022-11-01 $447,125 (-6.3%) $651,177 (-7.2%) 0.00 61
    2022-12-01 $455,000 (-7.1%) $668,691 (-9.8%) 0.00 53
    2023-01-01 $470,000 (-3.9%) $695,993 (1.8%) 0.00 48
    2023-02-01 $450,000 (8.8%) $683,552 (11.1%) 0.00 49
    2023-03-01 $450,000 (4.4%) $670,437 (13.5%) 0.00 51
    2023-04-01 $479,000 (7.2%) $695,123 (10.9%) 0.00 49
    2023-05-01 $495,000 (3.1%) $713,312 (3.5%) 0.00 52
    2023-06-01 $540,000 (13.8%) $743,311 (6.0%) 0.00 57
    2023-07-01 $459,900 (4.5%) $685,245 (10.8%) 0.00 58
    2023-08-01 $468,250 (12.7%) $681,515 (15.5%) 0.00 62
    2023-09-01 $430,000 (1.5%) $635,517 (7.3%) 0.00 63
    2023-10-01 $455,000 (3.4%) $639,773 (2.5%) 0.00 63
    2023-11-01 $449,000 (0.4%) $615,823 (-5.4%) 0.00 58
    2023-12-01 $430,000 (-5.5%) $658,505 (-1.5%) 0.00 51
    2024-01-01 $423,500 (-9.9%) $703,913 (1.1%) 0.00 44
    2024-02-01 $422,500 (-6.1%) $736,001 (7.7%) 0.00 41
    2024-03-01 $427,000 (-5.1%) $699,431 (4.3%) 0.00 51
    The Dalles's median listing price for 2024-03-01 was $427,000, a difference of $-23,000 (-5.1%) versus the prior year and $4,500 versus the prior month.

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

    The Dalles's average listing price for 2024-03-01 was $699,431, a difference of $28,994 (4.3%) versus the prior year and $-36,570 versus the prior month.

    For the 2024-03-01 period, The Dalles had 51 MLS listings, a difference of 10 listings (24%) versus the prior month and 0 listings (0%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - The Dalles (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,877 sqft
    2018-02-01 0 days 1,817 sqft
    2018-03-01 0 days 1,884 sqft
    2018-04-01 0 days 1,910 sqft
    2018-05-01 0 days 1,966 sqft
    2018-06-01 0 days 2,052 sqft
    2018-07-01 0 days 2,033 sqft
    2018-08-01 0 days 2,009 sqft
    2018-09-01 0 days 1,916 sqft
    2018-10-01 0 days 1,863 sqft
    2018-11-01 0 days 1,858 sqft
    2018-12-01 0 days 1,940 sqft
    2019-01-01 0 days 1,910 sqft
    2019-02-01 0 days 1,942 sqft
    2019-03-01 0 days 1,997 sqft
    2019-04-01 0 days 2,003 sqft
    2019-05-01 0 days 2,004 sqft
    2019-06-01 0 days 1,969 sqft
    2019-07-01 0 days 2,006 sqft
    2019-08-01 0 days 2,021 sqft
    2019-09-01 0 days 2,072 sqft
    2019-10-01 0 days 2,131 sqft
    2019-11-01 0 days 2,047 sqft
    2019-12-01 0 days 1,949 sqft
    2020-01-01 0 days 1,880 sqft
    2020-02-01 0 days 1,880 sqft
    2020-03-01 0 days 1,935 sqft
    2020-04-01 0 days 1,880 sqft
    2020-05-01 0 days 1,976 sqft
    2020-06-01 0 days 1,981 sqft
    2020-07-01 0 days 2,008 sqft
    2020-08-01 0 days 1,924 sqft
    2020-09-01 0 days 1,911 sqft
    2020-10-01 0 days 1,956 sqft
    2020-11-01 0 days 1,969 sqft
    2020-12-01 0 days 1,910 sqft
    2021-01-01 0 days 2,000 sqft
    2021-02-01 0 days 2,013 sqft
    2021-03-01 0 days 1,843 sqft
    2021-04-01 0 days 2,098 sqft
    2021-05-01 0 days 1,804 sqft
    2021-06-01 0 days 1,646 sqft
    2021-07-01 0 days 1,716 sqft
    2021-08-01 0 days 1,985 sqft
    2021-09-01 0 days 1,874 sqft
    2021-10-01 0 days 2,076 sqft
    2021-11-01 0 days 2,026 sqft
    2021-12-01 0 days 1,915 sqft
    2022-01-01 0 days 1,902 sqft
    2022-02-01 0 days 1,688 sqft
    2022-03-01 0 days 1,591 sqft
    2022-04-01 0 days 1,750 sqft
    2022-05-01 0 days 1,902 sqft
    2022-06-01 0 days 1,768 sqft
    2022-07-01 0 days 1,815 sqft
    2022-08-01 0 days 1,794 sqft
    2022-09-01 0 days 1,914 sqft
    2022-10-01 0 days 1,864 sqft
    2022-11-01 0 days 1,865 sqft
    2022-12-01 0 days 1,880 sqft
    2023-01-01 0 days 1,876 sqft
    2023-02-01 0 days 1,802 sqft
    2023-03-01 0 days 1,845 sqft
    2023-04-01 0 days 1,815 sqft
    2023-05-01 0 days 1,927 sqft
    2023-06-01 0 days 1,958 sqft
    2023-07-01 0 days 1,940 sqft
    2023-08-01 0 days 1,930 sqft
    2023-09-01 0 days 1,929 sqft
    2023-10-01 0 days 1,892 sqft
    2023-11-01 0 days 2,019 sqft
    2023-12-01 0 days 1,932 sqft
    2024-01-01 0 days 1,975 sqft
    2024-02-01 0 days 1,860 sqft
    2024-03-01 0 days 2,027 sqft
    The Dalles's median listing age (time on market) for 2024-03-01 was 0 days.

    The Dalles's median square footage for active listings during the 2024-03-01 period was 2,027 sqft. One year prior, the average listing was 1,845 sqft.