Wenatchee USDA Loan Rates, Closing Costs & Stats
WENATCHEE, WA
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
6.53%
for the week of 2024-11-08, compared to the national average (all USDA variants) of
6.477% for the same period.
Wenatchee's average USDA mortgage closing costs are $7,907.
The average rate for the prior week (2024-11-01) was
6.41% and
one month ago for the week of 2024-10-04, the
average rate was 6.13%.
The average rate one year ago was 7.67%.
For refis of the same type during the week of 2024-11-08, the average rate
was 6.48%.
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%) | $578,479 (-1.2%) | 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 (21.4%) | 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 | $749,000 (14.9%) | $953,900 (15.2%) | 0.00 | 429 |
| 2024-06-01 | $650,000 (-0.7%) | $793,733 (-8.5%) | 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 | $607,975 (-8.7%) | $771,099 (-11.1%) | 0.00 | 603 |
Wenatchee's median listing price comes in at 0% of the national average.
Wenatchee's average listing price for 2024-10-01 was $771,099, a difference of $-95,833 (-11.1%) versus the prior year and $-18,894 versus the prior month.
For the 2024-10-01 period, Wenatchee had 603 MLS listings, a difference of -27 listings (-4%) versus the prior month and 258 listings (75%) 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 | 2,024 sqft |
| 2018-02-01 | 0 days | 2,019 sqft |
| 2018-03-01 | 0 days | 2,000 sqft |
| 2018-04-01 | 0 days | 1,938 sqft |
| 2018-05-01 | 0 days | 1,953 sqft |
| 2018-06-01 | 0 days | 2,016 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 | 2,105 sqft |
| 2019-08-01 | 0 days | 2,048 sqft |
| 2019-09-01 | 0 days | 1,981 sqft |
| 2019-10-01 | 0 days | 1,915 sqft |
| 2019-11-01 | 0 days | 1,901 sqft |
| 2019-12-01 | 0 days | 1,825 sqft |
| 2020-01-01 | 0 days | 1,815 sqft |
| 2020-02-01 | 0 days | 1,824 sqft |
| 2020-03-01 | 0 days | 1,827 sqft |
| 2020-04-01 | 0 days | 1,884 sqft |
| 2020-05-01 | 0 days | 1,841 sqft |
| 2020-06-01 | 0 days | 1,919 sqft |
| 2020-07-01 | 0 days | 2,038 sqft |
| 2020-08-01 | 0 days | 2,100 sqft |
| 2020-09-01 | 0 days | 2,089 sqft |
| 2020-10-01 | 0 days | 2,045 sqft |
| 2020-11-01 | 0 days | 1,920 sqft |
| 2020-12-01 | 0 days | 1,848 sqft |
| 2021-01-01 | 0 days | 1,874 sqft |
| 2021-02-01 | 0 days | 1,904 sqft |
| 2021-03-01 | 0 days | 1,899 sqft |
| 2021-04-01 | 0 days | 1,890 sqft |
| 2021-05-01 | 0 days | 1,980 sqft |
| 2021-06-01 | 0 days | 2,004 sqft |
| 2021-07-01 | 0 days | 2,021 sqft |
| 2021-08-01 | 0 days | 2,080 sqft |
| 2021-09-01 | 0 days | 2,096 sqft |
| 2021-10-01 | 0 days | 2,150 sqft |
| 2021-11-01 | 0 days | 2,123 sqft |
| 2021-12-01 | 0 days | 2,180 sqft |
| 2022-01-01 | 0 days | 2,178 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 | 2,129 sqft |
| 2022-06-01 | 0 days | 2,021 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 | 2,000 sqft |
| 2023-01-01 | 0 days | 2,182 sqft |
| 2023-02-01 | 0 days | 2,268 sqft |
| 2023-03-01 | 0 days | 2,180 sqft |
| 2023-04-01 | 0 days | 2,081 sqft |
| 2023-05-01 | 0 days | 1,996 sqft |
| 2023-06-01 | 0 days | 2,107 sqft |
| 2023-07-01 | 0 days | 2,080 sqft |
| 2023-08-01 | 0 days | 2,166 sqft |
| 2023-09-01 | 0 days | 2,144 sqft |
| 2023-10-01 | 0 days | 2,099 sqft |
| 2023-11-01 | 0 days | 2,005 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 | 2,096 sqft |
| 2024-05-01 | 0 days | 2,124 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 | 1,733 sqft |
Wenatchee's median square footage for active listings during the 2024-10-01 period was 1,733 sqft. One year prior, the average listing was 2,099 sqft.