Wenatchee USDA Loan Rates, Closing Costs & Stats

WENATCHEE, 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.

    Wenatchee USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Wenatchee averaged 6.58% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Wenatchee's average USDA mortgage closing costs are $7,907.

    The average rate for the prior week (2025-02-07) was 6.74% and one month ago for the week of 2025-01-10, the average rate was 6.79%.

    The average rate one year ago was 6.48%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.63%.

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

    Wenatchee 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 Wenatchee level.

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

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Wenatchee (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 $398,000 (14.9%) $493,503 (-0.3%) 0.00 328
    2018-02-01 $401,950 (15.6%) $506,773 (3.9%) 0.00 317
    2018-03-01 $424,900 (21.4%) $539,631 (9.2%) 0.00 311
    2018-04-01 $424,900 (17.3%) $543,699 (9.6%) 0.00 329
    2018-05-01 $408,725 (4.3%) $536,501 (4.6%) 0.00 407
    2018-06-01 $429,000 (7.3%) $557,494 (6.0%) 0.00 449
    2018-07-01 $432,923 (8.3%) $544,393 (3.6%) 0.00 526
    2018-08-01 $429,450 (7.8%) $543,259 (4.8%) 0.00 552
    2018-09-01 $429,900 (7.5%) $554,610 (6.0%) 0.00 575
    2018-10-01 $421,950 (5.6%) $557,205 (6.6%) 0.00 551
    2018-11-01 $399,225 (0.1%) $542,926 (7.5%) 0.00 497
    2018-12-01 $380,000 (-2.3%) $527,028 (5.6%) 0.00 434
    2019-01-01 $382,925 (-3.8%) $528,686 (7.1%) 0.00 384
    2019-02-01 $389,950 (-3.0%) $528,126 (4.2%) 0.00 371
    2019-03-01 $397,286 (-6.5%) $542,437 (0.5%) 0.00 361
    2019-04-01 $397,511 (-6.5%) $548,269 (0.8%) 0.00 358
    2019-05-01 $433,950 (6.2%) $585,439 (9.1%) 0.00 425
    2019-06-01 $439,000 (2.3%) $588,046 (5.5%) 0.00 481
    2019-07-01 $448,475 (3.6%) $577,540 (6.1%) 0.00 516
    2019-08-01 $441,727 (2.9%) $571,452 (5.2%) 0.00 535
    2019-09-01 $445,818 (3.7%) $566,579 (2.2%) 0.00 530
    2019-10-01 $443,545 (5.1%) $563,403 (1.1%) 0.00 520
    2019-11-01 $445,000 (11.5%) $574,092 (5.7%) 0.00 465
    2019-12-01 $439,900 (15.8%) $570,482 (8.3%) 0.00 397
    2020-01-01 $458,450 (19.7%) $571,994 (8.2%) 0.00 323
    2020-02-01 $464,950 (19.2%) $580,626 (9.9%) 0.00 299
    2020-03-01 $461,950 (16.3%) $573,460 (5.7%) 0.00 342
    2020-04-01 $445,000 (12.0%) $563,218 (2.7%) 0.00 347
    2020-05-01 $463,900 (6.9%) $577,806 (-1.3%) 0.00 382
    2020-06-01 $467,400 (6.5%) $580,591 (-1.3%) 0.00 360
    2020-07-01 $459,200 (2.4%) $572,078 (-1.0%) 0.00 331
    2020-08-01 $479,500 (8.6%) $602,346 (5.4%) 0.00 290
    2020-09-01 $456,725 (2.5%) $580,242 (2.4%) 0.00 282
    2020-10-01 $459,000 (3.5%) $584,322 (3.7%) 0.00 259
    2020-11-01 $437,248 (-1.7%) $557,521 (-2.9%) 0.00 218
    2020-12-01 $426,675 (-3.0%) $555,073 (-2.7%) 0.00 163
    2021-01-01 $425,000 (-7.3%) $557,866 (-2.5%) 0.00 139
    2021-02-01 $422,500 (-9.1%) $624,411 (7.5%) 0.00 115
    2021-03-01 $437,075 (-5.4%) $646,206 (12.7%) 0.00 122
    2021-04-01 $441,625 (-0.8%) $635,543 (12.8%) 0.00 123
    2021-05-01 $469,900 (1.3%) $702,228 (21.5%) 0.00 138
    2021-06-01 $592,175 (26.7%) $787,708 (35.7%) 0.00 161
    2021-07-01 $579,900 (26.3%) $812,709 (42.1%) 0.00 192
    2021-08-01 $579,950 (21.0%) $805,967 (33.8%) 0.00 225
    2021-09-01 $569,450 (24.7%) $805,782 (38.9%) 0.00 248
    2021-10-01 $587,000 (27.9%) $813,908 (39.3%) 0.00 262
    2021-11-01 $580,725 (32.8%) $837,961 (50.3%) 0.00 237
    2021-12-01 $589,500 (38.2%) $892,890 (60.9%) 0.00 192
    2022-01-01 $599,000 (40.9%) $867,031 (55.4%) 0.00 153
    2022-02-01 $652,450 (54.4%) $882,556 (41.3%) 0.00 95
    2022-03-01 $661,000 (51.2%) $867,996 (34.3%) 0.00 122
    2022-04-01 $679,900 (54.0%) $867,459 (36.5%) 0.00 145
    2022-05-01 $701,000 (49.2%) $909,999 (29.6%) 0.00 211
    2022-06-01 $699,000 (18.0%) $888,430 (12.8%) 0.00 262
    2022-07-01 $684,000 (18.0%) $855,762 (5.3%) 0.00 323
    2022-08-01 $677,450 (16.8%) $855,484 (6.1%) 0.00 363
    2022-09-01 $661,998 (16.3%) $849,859 (5.5%) 0.00 357
    2022-10-01 $642,000 (9.4%) $804,464 (-1.2%) 0.00 342
    2022-11-01 $615,000 (5.9%) $787,320 (-6.0%) 0.00 320
    2022-12-01 $627,500 (6.5%) $796,002 (-10.9%) 0.00 250
    2023-01-01 $667,248 (11.4%) $846,300 (-2.4%) 0.00 221
    2023-02-01 $674,998 (3.5%) $880,901 (-0.2%) 0.00 204
    2023-03-01 $660,945 (0.0%) $849,939 (-2.1%) 0.00 222
    2023-04-01 $649,000 (-4.5%) $810,354 (-6.6%) 0.00 238
    2023-05-01 $652,000 (-7.0%) $828,286 (-9.0%) 0.00 236
    2023-06-01 $654,700 (-6.3%) $867,397 (-2.4%) 0.00 284
    2023-07-01 $679,495 (-0.7%) $910,939 (6.5%) 0.00 318
    2023-08-01 $695,995 (2.7%) $908,661 (6.2%) 0.00 346
    2023-09-01 $679,990 (2.7%) $888,170 (4.5%) 0.00 350
    2023-10-01 $665,950 (3.7%) $866,932 (7.8%) 0.00 345
    2023-11-01 $649,475 (5.6%) $850,309 (8.0%) 0.00 310
    2023-12-01 $644,450 (2.7%) $830,034 (4.3%) 0.00 285
    2024-01-01 $646,700 (-3.1%) $828,883 (-2.1%) 0.00 219
    2024-02-01 $641,100 (-5.0%) $810,556 (-8.0%) 0.00 188
    2024-03-01 $699,000 (5.8%) $859,432 (1.1%) 0.00 230
    2024-04-01 $731,000 (12.6%) $918,556 (13.4%) 0.00 305
    2024-05-01 $742,750 (13.9%) $938,236 (13.3%) 0.00 428
    2024-06-01 $649,995 (-0.7%) $793,252 (-8.6%) 0.00 568
    2024-07-01 $650,000 (-4.3%) $798,665 (-12.3%) 0.00 593
    2024-08-01 $645,000 (-7.3%) $796,963 (-12.3%) 0.00 624
    2024-09-01 $627,450 (-7.7%) $789,993 (-11.1%) 0.00 630
    2024-10-01 $606,950 (-8.9%) $770,846 (-11.1%) 0.00 603
    2024-11-01 $595,000 (-8.4%) $754,807 (-11.2%) 0.00 523
    2024-12-01 $560,650 (-13.0%) $703,492 (-15.3%) 0.00 444
    2025-01-01 $541,700 (-16.2%) $652,544 (-21.3%) 0.00 382
    Wenatchee's median listing price for 2025-01-01 was $541,700, a difference of $-105,000 (-16.2%) versus the prior year and $-18,950 versus the prior month.

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

    Wenatchee's average listing price for 2025-01-01 was $652,544, a difference of $-176,339 (-21.3%) versus the prior year and $-50,948 versus the prior month.

    For the 2025-01-01 period, Wenatchee had 382 MLS listings, a difference of -62 listings (-14%) versus the prior month and 163 listings (74%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Wenatchee (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,022 sqft
    2018-02-01 0 days 2,018 sqft
    2018-03-01 0 days 1,996 sqft
    2018-04-01 0 days 1,938 sqft
    2018-05-01 0 days 1,957 sqft
    2018-06-01 0 days 2,023 sqft
    2018-07-01 0 days 1,998 sqft
    2018-08-01 0 days 1,986 sqft
    2018-09-01 0 days 1,986 sqft
    2018-10-01 0 days 1,990 sqft
    2018-11-01 0 days 1,950 sqft
    2018-12-01 0 days 1,900 sqft
    2019-01-01 0 days 1,879 sqft
    2019-02-01 0 days 1,855 sqft
    2019-03-01 0 days 1,902 sqft
    2019-04-01 0 days 1,983 sqft
    2019-05-01 0 days 2,004 sqft
    2019-06-01 0 days 2,016 sqft
    2019-07-01 0 days 2,100 sqft
    2019-08-01 0 days 2,034 sqft
    2019-09-01 0 days 1,972 sqft
    2019-10-01 0 days 1,912 sqft
    2019-11-01 0 days 1,895 sqft
    2019-12-01 0 days 1,815 sqft
    2020-01-01 0 days 1,812 sqft
    2020-02-01 0 days 1,824 sqft
    2020-03-01 0 days 1,826 sqft
    2020-04-01 0 days 1,880 sqft
    2020-05-01 0 days 1,841 sqft
    2020-06-01 0 days 1,917 sqft
    2020-07-01 0 days 2,031 sqft
    2020-08-01 0 days 2,100 sqft
    2020-09-01 0 days 2,073 sqft
    2020-10-01 0 days 2,025 sqft
    2020-11-01 0 days 1,915 sqft
    2020-12-01 0 days 1,836 sqft
    2021-01-01 0 days 1,874 sqft
    2021-02-01 0 days 1,872 sqft
    2021-03-01 0 days 1,880 sqft
    2021-04-01 0 days 1,859 sqft
    2021-05-01 0 days 1,968 sqft
    2021-06-01 0 days 1,998 sqft
    2021-07-01 0 days 1,990 sqft
    2021-08-01 0 days 2,057 sqft
    2021-09-01 0 days 2,078 sqft
    2021-10-01 0 days 2,129 sqft
    2021-11-01 0 days 2,110 sqft
    2021-12-01 0 days 2,163 sqft
    2022-01-01 0 days 2,164 sqft
    2022-02-01 0 days 2,003 sqft
    2022-03-01 0 days 2,099 sqft
    2022-04-01 0 days 2,078 sqft
    2022-05-01 0 days 2,139 sqft
    2022-06-01 0 days 2,026 sqft
    2022-07-01 0 days 2,000 sqft
    2022-08-01 0 days 2,023 sqft
    2022-09-01 0 days 2,009 sqft
    2022-10-01 0 days 1,982 sqft
    2022-11-01 0 days 1,952 sqft
    2022-12-01 0 days 2,020 sqft
    2023-01-01 0 days 2,190 sqft
    2023-02-01 0 days 2,268 sqft
    2023-03-01 0 days 2,180 sqft
    2023-04-01 0 days 2,062 sqft
    2023-05-01 0 days 1,965 sqft
    2023-06-01 0 days 2,097 sqft
    2023-07-01 0 days 2,076 sqft
    2023-08-01 0 days 2,150 sqft
    2023-09-01 0 days 2,134 sqft
    2023-10-01 0 days 2,093 sqft
    2023-11-01 0 days 2,002 sqft
    2023-12-01 0 days 2,001 sqft
    2024-01-01 0 days 1,986 sqft
    2024-02-01 0 days 1,993 sqft
    2024-03-01 0 days 2,020 sqft
    2024-04-01 0 days 2,093 sqft
    2024-05-01 0 days 2,105 sqft
    2024-06-01 0 days 1,882 sqft
    2024-07-01 0 days 1,865 sqft
    2024-08-01 0 days 1,837 sqft
    2024-09-01 0 days 1,790 sqft
    2024-10-01 0 days 1,730 sqft
    2024-11-01 0 days 1,688 sqft
    2024-12-01 0 days 1,678 sqft
    2025-01-01 0 days 1,640 sqft
    Wenatchee's median listing age (time on market) for 2025-01-01 was 0 days.

    Wenatchee's median square footage for active listings during the 2025-01-01 period was 1,640 sqft. One year prior, the average listing was 1,986 sqft.