Williston USDA Loan Rates, Closing Costs & Stats
Williston, ND
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.
Williston's 4 lenders originated 7 USDA loans during 2023. The total origination value was $1,515,000, with an average USDA loan value of $216,429.
Williston USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Williston
averaged
6.48%
for the week of 2024-12-13, compared to the national average (all USDA variants) of
6.303% for the same period.
Williston's average USDA mortgage closing costs are $7,101.
The average rate for the prior week (2024-12-06) was
6.31% and
one month ago for the week of 2024-11-08, the
average rate was 6.53%.
The average rate one year ago was 6.9%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.2%.
Williston 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 Williston level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| WESTERN COOPERATIVE CREDIT UNION | 3 | 6.11% | $8,133 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 1 | 6.50% | $6,852 |
| First International Bank & Trust | 1 | 5.75% | $2,071 |
| U.S. Bank | 1 | 7.13% | $5,711 |
The top Williston USDA lender as defined by loan originations is WESTERN COOPERATIVE CREDIT UNION, with
3 USDA loans originated. Their average total fees are
$8,133, which is $1,280
higher than the next largest lender,
FAIRWAY INDEPENDENT MORTGAGE CORPORATION.
The lowest fee Williston USDA lenders (with over 10 loans originated) are
.
The lowest rate Williston USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Williston (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 | $234,500 (-3.1%) | $261,852 (-1.9%) | 0.00 | 171 |
| 2018-02-01 | $229,675 (-4.3%) | $258,040 (-0.4%) | 0.00 | 178 |
| 2018-03-01 | $229,900 (-6.8%) | $259,740 (-1.6%) | 0.00 | 185 |
| 2018-04-01 | $239,225 (-7.6%) | $268,355 (-2.4%) | 0.00 | 191 |
| 2018-05-01 | $250,000 (0.0%) | $291,585 (9.6%) | 0.00 | 201 |
| 2018-06-01 | $259,000 (6.2%) | $296,289 (12.8%) | 0.00 | 187 |
| 2018-07-01 | $257,225 (5.4%) | $287,015 (-0.7%) | 0.00 | 188 |
| 2018-08-01 | $260,000 (4.0%) | $298,693 (1.4%) | 0.00 | 195 |
| 2018-09-01 | $260,000 (4.0%) | $294,428 (3.1%) | 0.00 | 204 |
| 2018-10-01 | $247,450 (7.1%) | $293,917 (8.3%) | 0.00 | 192 |
| 2018-11-01 | $249,925 (9.5%) | $300,911 (12.7%) | 0.00 | 178 |
| 2018-12-01 | $239,900 (6.6%) | $302,358 (11.3%) | 0.00 | 158 |
| 2019-01-01 | $242,475 (3.4%) | $323,069 (23.4%) | 0.00 | 133 |
| 2019-02-01 | $239,900 (4.5%) | $307,926 (19.3%) | 0.00 | 119 |
| 2019-03-01 | $254,814 (10.8%) | $319,863 (23.2%) | 0.00 | 119 |
| 2019-04-01 | $266,089 (11.2%) | $311,748 (16.2%) | 0.00 | 124 |
| 2019-05-01 | $279,450 (11.8%) | $300,216 (3.0%) | 0.00 | 130 |
| 2019-06-01 | $299,950 (15.8%) | $330,491 (11.5%) | 0.00 | 161 |
| 2019-07-01 | $298,475 (16.0%) | $333,532 (16.2%) | 0.00 | 153 |
| 2019-08-01 | $300,418 (15.6%) | $334,028 (11.8%) | 0.00 | 155 |
| 2019-09-01 | $304,120 (17.0%) | $331,227 (12.5%) | 0.00 | 157 |
| 2019-10-01 | $302,589 (22.3%) | $325,982 (10.9%) | 0.00 | 162 |
| 2019-11-01 | $292,500 (17.0%) | $322,336 (7.1%) | 0.00 | 172 |
| 2019-12-01 | $300,000 (25.1%) | $325,555 (7.7%) | 0.00 | 165 |
| 2020-01-01 | $297,425 (22.7%) | $320,172 (-0.9%) | 0.00 | 135 |
| 2020-02-01 | $292,450 (21.9%) | $325,187 (5.6%) | 0.00 | 126 |
| 2020-03-01 | $304,825 (19.6%) | $336,370 (5.2%) | 0.00 | 133 |
| 2020-04-01 | $298,950 (12.4%) | $330,959 (6.2%) | 0.00 | 142 |
| 2020-05-01 | $292,900 (4.8%) | $327,323 (9.0%) | 0.00 | 155 |
| 2020-06-01 | $275,000 (-8.3%) | $302,517 (-8.5%) | 0.00 | 143 |
| 2020-07-01 | $275,000 (-7.9%) | $303,277 (-9.1%) | 0.00 | 146 |
| 2020-08-01 | $274,950 (-8.5%) | $300,373 (-10.1%) | 0.00 | 171 |
| 2020-09-01 | $289,500 (-4.8%) | $297,724 (-10.1%) | 0.00 | 182 |
| 2020-10-01 | $292,900 (-3.2%) | $298,502 (-8.4%) | 0.00 | 200 |
| 2020-11-01 | $279,975 (-4.3%) | $305,533 (-5.2%) | 0.00 | 212 |
| 2020-12-01 | $281,225 (-6.3%) | $312,534 (-4.0%) | 0.00 | 211 |
| 2021-01-01 | $289,000 (-2.8%) | $318,611 (-0.5%) | 0.00 | 202 |
| 2021-02-01 | $296,975 (1.6%) | $326,215 (0.3%) | 0.00 | 181 |
| 2021-03-01 | $299,000 (-1.9%) | $327,156 (-2.7%) | 0.00 | 176 |
| 2021-04-01 | $299,450 (0.2%) | $330,487 (-0.1%) | 0.00 | 177 |
| 2021-05-01 | $307,450 (5.0%) | $331,269 (1.2%) | 0.00 | 170 |
| 2021-06-01 | $321,500 (16.9%) | $336,589 (11.3%) | 0.00 | 167 |
| 2021-07-01 | $322,450 (17.3%) | $335,036 (10.5%) | 0.00 | 187 |
| 2021-08-01 | $294,450 (7.1%) | $320,147 (6.6%) | 0.00 | 201 |
| 2021-09-01 | $283,650 (-2.0%) | $319,806 (7.4%) | 0.00 | 190 |
| 2021-10-01 | $289,900 (-1.0%) | $322,625 (8.1%) | 0.00 | 185 |
| 2021-11-01 | $287,450 (2.7%) | $323,426 (5.9%) | 0.00 | 176 |
| 2021-12-01 | $271,250 (-3.6%) | $318,384 (1.9%) | 0.00 | 162 |
| 2022-01-01 | $297,500 (2.9%) | $320,967 (0.7%) | 0.00 | 130 |
| 2022-02-01 | $280,000 (-5.7%) | $317,622 (-2.6%) | 0.00 | 121 |
| 2022-03-01 | $354,975 (18.7%) | $339,402 (3.7%) | 0.00 | 93 |
| 2022-04-01 | $379,900 (26.9%) | $354,371 (7.2%) | 0.00 | 100 |
| 2022-05-01 | $377,450 (22.8%) | $366,338 (10.6%) | 0.00 | 99 |
| 2022-06-01 | $359,375 (11.8%) | $364,040 (8.2%) | 0.00 | 105 |
| 2022-07-01 | $375,000 (16.3%) | $361,876 (8.0%) | 0.00 | 128 |
| 2022-08-01 | $347,850 (18.1%) | $349,436 (9.2%) | 0.00 | 118 |
| 2022-09-01 | $357,450 (26.0%) | $372,981 (16.6%) | 0.00 | 119 |
| 2022-10-01 | $330,000 (13.8%) | $383,425 (18.9%) | 0.00 | 131 |
| 2022-11-01 | $359,900 (25.2%) | $401,121 (24.0%) | 0.00 | 128 |
| 2022-12-01 | $354,500 (30.7%) | $405,862 (27.5%) | 0.00 | 125 |
| 2023-01-01 | $381,175 (28.1%) | $423,973 (32.1%) | 0.00 | 123 |
| 2023-02-01 | $366,100 (30.8%) | $421,709 (32.8%) | 0.00 | 102 |
| 2023-03-01 | $379,950 (7.0%) | $434,748 (28.1%) | 0.00 | 88 |
| 2023-04-01 | $377,000 (-0.8%) | $391,776 (10.6%) | 0.00 | 70 |
| 2023-05-01 | $395,000 (4.7%) | $398,439 (8.8%) | 0.00 | 70 |
| 2023-06-01 | $437,250 (21.7%) | $439,824 (20.8%) | 0.00 | 76 |
| 2023-07-01 | $389,975 (4.0%) | $453,276 (25.3%) | 0.00 | 83 |
| 2023-08-01 | $397,500 (14.3%) | $460,929 (31.9%) | 0.00 | 85 |
| 2023-09-01 | $395,000 (10.5%) | $445,112 (19.3%) | 0.00 | 89 |
| 2023-10-01 | $359,750 (9.0%) | $449,827 (17.3%) | 0.00 | 96 |
| 2023-11-01 | $331,250 (-8.0%) | $426,938 (6.4%) | 0.00 | 92 |
| 2023-12-01 | $347,450 (-2.0%) | $440,932 (8.6%) | 0.00 | 92 |
| 2024-01-01 | $376,725 (-1.2%) | $469,477 (10.7%) | 0.00 | 83 |
| 2024-02-01 | $442,425 (20.9%) | $486,210 (15.3%) | 0.00 | 63 |
| 2024-03-01 | $510,000 (34.2%) | $531,613 (22.3%) | 0.00 | 55 |
| 2024-04-01 | $493,750 (31.0%) | $548,116 (39.9%) | 0.00 | 57 |
| 2024-05-01 | $459,600 (16.4%) | $504,436 (26.6%) | 0.00 | 63 |
| 2024-06-01 | $399,900 (-8.5%) | $499,012 (13.5%) | 0.00 | 71 |
| 2024-07-01 | $372,375 (-4.5%) | $478,637 (5.6%) | 0.00 | 75 |
| 2024-08-01 | $395,000 (-0.6%) | $474,179 (2.9%) | 0.00 | 79 |
| 2024-09-01 | $408,250 (3.4%) | $484,900 (8.9%) | 0.00 | 77 |
| 2024-10-01 | $399,975 (11.2%) | $480,998 (6.9%) | 0.00 | 67 |
| 2024-11-01 | $399,450 (20.6%) | $488,864 (14.5%) | 0.00 | 71 |
Williston's median listing price comes in at 0% of the national average.
Williston's average listing price for 2024-11-01 was $488,864, a difference of $61,926 (14.5%) versus the prior year and $7,866 versus the prior month.
For the 2024-11-01 period, Williston had 71 MLS listings, a difference of 4 listings (6%) versus the prior month and -21 listings (-23%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Williston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,004 sqft |
| 2018-02-01 | 0 days | 1,886 sqft |
| 2018-03-01 | 0 days | 1,819 sqft |
| 2018-04-01 | 0 days | 1,920 sqft |
| 2018-05-01 | 0 days | 2,000 sqft |
| 2018-06-01 | 0 days | 1,984 sqft |
| 2018-07-01 | 0 days | 1,944 sqft |
| 2018-08-01 | 0 days | 1,997 sqft |
| 2018-09-01 | 0 days | 1,993 sqft |
| 2018-10-01 | 0 days | 1,895 sqft |
| 2018-11-01 | 0 days | 1,912 sqft |
| 2018-12-01 | 0 days | 1,920 sqft |
| 2019-01-01 | 0 days | 1,956 sqft |
| 2019-02-01 | 0 days | 1,952 sqft |
| 2019-03-01 | 0 days | 1,938 sqft |
| 2019-04-01 | 0 days | 1,902 sqft |
| 2019-05-01 | 0 days | 1,882 sqft |
| 2019-06-01 | 0 days | 2,038 sqft |
| 2019-07-01 | 0 days | 2,087 sqft |
| 2019-08-01 | 0 days | 2,160 sqft |
| 2019-09-01 | 0 days | 2,205 sqft |
| 2019-10-01 | 0 days | 2,188 sqft |
| 2019-11-01 | 0 days | 2,130 sqft |
| 2019-12-01 | 0 days | 2,106 sqft |
| 2020-01-01 | 0 days | 2,079 sqft |
| 2020-02-01 | 0 days | 2,013 sqft |
| 2020-03-01 | 0 days | 2,025 sqft |
| 2020-04-01 | 0 days | 2,083 sqft |
| 2020-05-01 | 0 days | 2,084 sqft |
| 2020-06-01 | 0 days | 2,056 sqft |
| 2020-07-01 | 0 days | 2,046 sqft |
| 2020-08-01 | 0 days | 2,072 sqft |
| 2020-09-01 | 0 days | 2,030 sqft |
| 2020-10-01 | 0 days | 2,150 sqft |
| 2020-11-01 | 0 days | 2,030 sqft |
| 2020-12-01 | 0 days | 2,083 sqft |
| 2021-01-01 | 0 days | 2,128 sqft |
| 2021-02-01 | 0 days | 2,202 sqft |
| 2021-03-01 | 0 days | 2,184 sqft |
| 2021-04-01 | 0 days | 2,243 sqft |
| 2021-05-01 | 0 days | 2,280 sqft |
| 2021-06-01 | 0 days | 2,272 sqft |
| 2021-07-01 | 0 days | 2,244 sqft |
| 2021-08-01 | 0 days | 2,097 sqft |
| 2021-09-01 | 0 days | 2,099 sqft |
| 2021-10-01 | 0 days | 2,156 sqft |
| 2021-11-01 | 0 days | 2,196 sqft |
| 2021-12-01 | 0 days | 2,150 sqft |
| 2022-01-01 | 0 days | 2,174 sqft |
| 2022-02-01 | 0 days | 2,189 sqft |
| 2022-03-01 | 0 days | 1,895 sqft |
| 2022-04-01 | 0 days | 1,820 sqft |
| 2022-05-01 | 0 days | 1,805 sqft |
| 2022-06-01 | 0 days | 1,897 sqft |
| 2022-07-01 | 0 days | 1,832 sqft |
| 2022-08-01 | 0 days | 1,821 sqft |
| 2022-09-01 | 0 days | 1,823 sqft |
| 2022-10-01 | 0 days | 1,890 sqft |
| 2022-11-01 | 0 days | 1,906 sqft |
| 2022-12-01 | 0 days | 1,847 sqft |
| 2023-01-01 | 0 days | 1,821 sqft |
| 2023-02-01 | 0 days | 1,741 sqft |
| 2023-03-01 | 0 days | 1,785 sqft |
| 2023-04-01 | 0 days | 1,756 sqft |
| 2023-05-01 | 0 days | 1,735 sqft |
| 2023-06-01 | 0 days | 1,850 sqft |
| 2023-07-01 | 0 days | 1,880 sqft |
| 2023-08-01 | 0 days | 1,913 sqft |
| 2023-09-01 | 0 days | 1,879 sqft |
| 2023-10-01 | 0 days | 1,921 sqft |
| 2023-11-01 | 0 days | 1,878 sqft |
| 2023-12-01 | 0 days | 1,886 sqft |
| 2024-01-01 | 0 days | 1,886 sqft |
| 2024-02-01 | 0 days | 1,897 sqft |
| 2024-03-01 | 0 days | 1,938 sqft |
| 2024-04-01 | 0 days | 2,038 sqft |
| 2024-05-01 | 0 days | 1,963 sqft |
| 2024-06-01 | 0 days | 1,909 sqft |
| 2024-07-01 | 0 days | 1,884 sqft |
| 2024-08-01 | 0 days | 1,868 sqft |
| 2024-09-01 | 0 days | 1,853 sqft |
| 2024-10-01 | 0 days | 1,848 sqft |
| 2024-11-01 | 0 days | 1,899 sqft |
Williston's median square footage for active listings during the 2024-11-01 period was 1,899 sqft. One year prior, the average listing was 1,878 sqft.