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's 1 lenders originated 1 USDA loans during 2024. The total origination value was $415,000, with an average USDA loan value of $415,000.
Wenatchee USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Wenatchee
averaged
0.1%
for the week of 2025-07-04, compared to the national average (all USDA variants) of
0% for the same period.
Wenatchee's average USDA mortgage closing costs are $8,057.
The average rate for the prior week (2025-06-27) was
6.44% and
one month ago for the week of 2025-05-30, the
average rate was 6.82%.
The average rate one year ago was 6.72%.
For refis of the same type during the week of 2025-07-04, the average rate
was -0.03%.
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 | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| GUILD MORTGAGE COMPANY | 1 | 5.38% | $21,115 |
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 |
| 2025-02-01 | $518,000 (-19.2%) | $629,367 (-22.4%) | 0.00 | 353 |
| 2025-03-01 | $544,900 (-22.1%) | $661,146 (-23.1%) | 0.00 | 373 |
| 2025-04-01 | $614,625 (-15.9%) | $744,635 (-18.9%) | 0.00 | 463 |
| 2025-05-01 | $664,000 (-10.6%) | $802,891 (-14.4%) | 0.00 | 577 |
Wenatchee's median listing price comes in at 0% of the national average.
Wenatchee's average listing price for 2025-05-01 was $802,891, a difference of $-135,345 (-14.4%) versus the prior year and $58,256 versus the prior month.
For the 2025-05-01 period, Wenatchee had 577 MLS listings, a difference of 114 listings (25%) versus the prior month and 149 listings (35%) 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 |
| 2025-02-01 | 0 days | 1,566 sqft |
| 2025-03-01 | 0 days | 1,603 sqft |
| 2025-04-01 | 0 days | 1,710 sqft |
| 2025-05-01 | 0 days | 1,775 sqft |
Wenatchee's median square footage for active listings during the 2025-05-01 period was 1,775 sqft. One year prior, the average listing was 2,105 sqft.