The Dalles USDA Loan Rates, Closing Costs & Stats
The Dalles, OR
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
-0.12%
for the week of 2024-11-29, compared to the national average (all USDA variants) of
0% for the same period.
The Dalles's average USDA mortgage closing costs are $7,157.
The average rate for the prior week (2024-11-22) was
6.38% and
one month ago for the week of 2024-10-25, the
average rate was 6.18%.
The average rate one year ago was 7.08%.
For refis of the same type during the week of 2024-11-29, the average rate
was -0.2%.
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 |
| 2024-04-01 | $429,950 (-10.2%) | $665,981 (-4.2%) | 0.00 | 61 |
| 2024-05-01 | $444,500 (-10.2%) | $672,061 (-5.8%) | 0.00 | 71 |
| 2024-06-01 | $484,900 (-10.2%) | $694,647 (-6.6%) | 0.00 | 83 |
| 2024-07-01 | $473,725 (3.0%) | $629,175 (-8.2%) | 0.00 | 109 |
| 2024-08-01 | $484,950 (3.6%) | $726,459 (6.6%) | 0.00 | 115 |
| 2024-09-01 | $490,975 (14.2%) | $736,420 (15.9%) | 0.00 | 116 |
| 2024-10-01 | $475,000 (4.4%) | $736,352 (15.1%) | 0.00 | 104 |
The Dalles's median listing price comes in at 0% of the national average.
The Dalles's average listing price for 2024-10-01 was $736,352, a difference of $96,579 (15.1%) versus the prior year and $-68 versus the prior month.
For the 2024-10-01 period, The Dalles had 104 MLS listings, a difference of -12 listings (-10%) versus the prior month and 41 listings (65%) 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 |
| 2024-04-01 | 0 days | 1,918 sqft |
| 2024-05-01 | 0 days | 1,899 sqft |
| 2024-06-01 | 0 days | 1,924 sqft |
| 2024-07-01 | 0 days | 1,920 sqft |
| 2024-08-01 | 0 days | 1,982 sqft |
| 2024-09-01 | 0 days | 2,006 sqft |
| 2024-10-01 | 0 days | 2,100 sqft |
The Dalles's median square footage for active listings during the 2024-10-01 period was 2,100 sqft. One year prior, the average listing was 1,892 sqft.