Klamath Falls Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Klamath Falls averaged
6.6%
for the week of 2025-07-03, compared to the national average of
6.67% for the same period.
The average rate for the prior week (2025-06-26) was
6.6% and
one month ago for the week of 2025-05-29, the
average rate was 6.92%.
Klamath Falls's average rate one year ago was 6.89%.
For refis of the same type during the week of 2025-07-03, the average rate
was 6.67%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-07-03 | 6.67% |
| Klamath Falls 30 Year Fixed Rate | 2025-07-03 | 6.6% |
| Klamath Falls 30 Year Fixed Rate Refi | 2025-07-03 | 6.67% |
| Klamath Falls 15 Year Fixed Rate | 2025-07-03 | 5.9% |
| Klamath Falls 15 Year Fixed Rate Refi | 2025-07-03 | 5.7% |
| Klamath Falls 30 Year FHA | 2025-07-03 | -0.17% |
| Klamath Falls 30 Year FHA Refi | 2025-07-03 | -0.2% |
| Klamath Falls 30 Year USDA | 2025-07-03 | -0.2% |
| Klamath Falls 30 Year USDA Refi | 2025-07-03 | 0.1% |
| Klamath Falls 30 Year VA | 2025-07-03 | -0.23% |
| Klamath Falls 30 Year VA Refi | 2025-07-03 | -0.1% |
Klamath Falls Top Lenders by Rates & Fees
The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Klamath Falls, OR market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).
Klamath Falls Average Closing Costs & Other Stats
Klamath Falls, OR's 77 lenders originated 1,332
loans during 2024. The total origination value was $301,700,000, with an average loan value of
$226,502.
Klamath Falls's average closing costs are $6,130.
The top Klamath Falls lender as defined by loan originations is SUMMIT FUNDING, INC., with
79 loans originated. Their average total fees are
$9,477, which is $2,172
higher than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Klamath Falls lenders (with over 10 loans originated) are
ROGUE ($4,386), Flagstar Bank, FSB ($4,553), FIRST COMMUNITY ($5,248), BROKER SOLUTIONS, INC. ($5,408) and Sierra Pacific Mortgage Company, Inc. ($6,307).
The lowest rate Klamath Falls lenders (with over 10 loans originated) are
FIRST COMMUNITY (5.47%), SUMMIT FUNDING, INC. (6.56%), LOANDEPOT.COM, LLC (6.57%), ROGUE (6.64%) and Sierra Pacific Mortgage Company, Inc. (6.67%).
Klamath Falls, OR Mortgage Market Share & Volume
Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.
| Name | 2023 Loan Value | 2024 Loan Value | % Change | 2024 Market Share |
|---|---|---|---|---|
| SUMMIT FUNDING, INC. | $27,175,000 | $41,355,000 | 52.2% | 13.7% |
| QUICKEN LOANS, LLC | $15,135,000 | $20,135,000 | 33.0% | 6.7% |
| UNITED WHOLESALE MORTGAGE, LLC | $6,945,000 | $15,830,000 | 127.9% | 5.2% |
| NEWREZ LLC | $7,760,000 | $15,250,000 | 96.5% | 5.1% |
| ROGUE | $14,240,000 | $13,830,000 | -2.9% | 4.6% |
| Sierra Pacific Mortgage Company, Inc. | $8,060,000 | $13,485,000 | 67.3% | 4.5% |
| Mortgage Research Center, LLC | $6,600,000 | $11,890,000 | 80.2% | 3.9% |
| Century Mortgage Company DBA Century Lending Company | $12,370,000 | $11,055,000 | -10.6% | 3.7% |
| MASON MCDUFFIE MORTGAGE CORPORATION | $8,505,000 | $10,900,000 | 28.2% | 3.6% |
| Umpqua Bank | $10,005,000 | $10,375,000 | 3.7% | 3.4% |
| FIRST COMMUNITY | $4,015,000 | $8,240,000 | 105.2% | 2.7% |
| DHI MORTGAGE COMPANY, LTD. | $6,000,000 | $5,855,000 | -2.4% | 1.9% |
| Flagstar Bank, FSB | $9,535,000 | $5,650,000 | -40.7% | 1.9% |
| FREEDOM MORTGAGE CORPORATION | $710,000 | $5,525,000 | 678.2% | 1.8% |
| LOANDEPOT.COM, LLC | $5,585,000 | $4,950,000 | -11.4% | 1.6% |
| GUILD MORTGAGE COMPANY | $3,345,000 | $4,075,000 | 21.8% | 1.4% |
| BROKER SOLUTIONS, INC. | $1,730,000 | $3,630,000 | 109.8% | 1.2% |
| U.S. Bank | $1,625,000 | $3,470,000 | 113.5% | 1.2% |
| AMERICAN FINANCIAL RESOURCES, INC. | $480,000 | $2,760,000 | 475.0% | 0.9% |
| USAA Federal Savings Bank | $1,585,000 | $2,755,000 | 73.8% | 0.9% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | $1,900,000 | $2,730,000 | 43.7% | 0.9% |
| CROSSCOUNTRY MORTGAGE, LLC | $2,575,000 | $2,695,000 | 4.7% | 0.9% |
| EVERGREEN MONEYSOURCE MORTGAGE COMPANY | $2,480,000 | $2,695,000 | 8.7% | 0.9% |
| COREVEST AMERICAN FINANCE LENDER LLC | $2,595,000 | n/a | 0.9% | |
| PENNYMAC LOAN SERVICES, LLC | $2,175,000 | $2,415,000 | 11.0% | 0.8% |
| MORTGAGE EXPRESS, LLC | $410,000 | $2,370,000 | 478.0% | 0.8% |
| NAVY FEDERAL CREDIT UNION | $1,325,000 | $2,275,000 | 71.7% | 0.8% |
| MOVEMENT MORTGAGE, LLC | $1,955,000 | $1,980,000 | 1.3% | 0.7% |
| Nations Lending Corporation | $855,000 | $1,970,000 | 130.4% | 0.7% |
| CMG MORTGAGE, INC. | $2,510,000 | $1,930,000 | -23.1% | 0.6% |
| CHURCHILL MORTGAGE CORPORATION | $510,000 | $1,675,000 | 228.4% | 0.6% |
| VILLAGE CAPITAL MORTGAGE | $1,590,000 | n/a | 0.5% | |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | $1,455,000 | $1,370,000 | -5.8% | 0.5% |
| MUTUAL OF OMAHA MORTGAGE, INC. | $1,155,000 | $1,350,000 | 16.9% | 0.4% |
| OnPoint Community Credit Union | $1,075,000 | $1,330,000 | 23.7% | 0.4% |
| DIRECTORS MORTGAGE, INC. | $1,295,000 | n/a | 0.4% | |
| Mr. Cooper ( Nationstar Mortgage ) | $2,870,000 | $1,295,000 | -54.9% | 0.4% |
| Loan Simple, Inc. | $705,000 | $1,265,000 | 79.4% | 0.4% |
| Mid Oregon Federal Credit Union | $2,730,000 | $1,210,000 | -55.7% | 0.4% |
| Banner Bank | $665,000 | $1,200,000 | 80.5% | 0.4% |
| MEMBER FIRST MORTGAGE, LLC | $1,185,000 | n/a | 0.4% | |
| Wells Fargo Bank | $1,880,000 | $1,165,000 | -38.0% | 0.4% |
| GUARANTEED RATE, INC. | $2,525,000 | $1,130,000 | -55.2% | 0.4% |
| The Federal Savings Bank | $2,395,000 | $1,120,000 | -53.2% | 0.4% |
| PLAZA HOME MORTGAGE, INC. | $415,000 | $1,105,000 | 166.3% | 0.4% |
| Washington Federal Bank | $3,020,000 | $1,105,000 | -63.4% | 0.4% |
| OREGON COMMUNITY | $415,000 | $1,040,000 | 150.6% | 0.3% |
| First Interstate Bank | $1,025,000 | $995,000 | -2.9% | 0.3% |
| CALCON MUTUAL MORTGAGE LLC | $705,000 | $990,000 | 40.4% | 0.3% |
| Barrington Bank & Trust Company, N.A. | $185,000 | $980,000 | 429.7% | 0.3% |
| MLD MORTGAGE INC. | $740,000 | $970,000 | 31.1% | 0.3% |
| Bank of America | $65,000 | $945,000 | 1,353.8% | 0.3% |
| MORTGAGE SOLUTIONS OF COLORADO, LLC | $1,305,000 | $925,000 | -29.1% | 0.3% |
| JPMorgan Chase Bank | $1,555,000 | $915,000 | -41.2% | 0.3% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | $840,000 | n/a | 0.3% | |
| Commerce Home Mortgage, Inc. | $440,000 | $825,000 | 87.5% | 0.3% |
| TOP FLITE FINANCIAL, INC. | $735,000 | n/a | 0.2% | |
| 21ST MORTGAGE CORPORATION | $630,000 | $730,000 | 15.9% | 0.2% |
| Figure Lending LLC | $620,000 | $725,000 | 16.9% | 0.2% |
| LOANPAL, LLC | $330,000 | $685,000 | 107.6% | 0.2% |
| PANORAMA MORTGAGE GROUP, LLC | $685,000 | n/a | 0.2% | |
| GUARANTEED RATE AFFINITY, LLC | $680,000 | n/a | 0.2% | |
| FINANCE OF AMERICA REVERSE LLC | $935,000 | $675,000 | -27.8% | 0.2% |
| RANLIFE, INC. | $1,075,000 | $655,000 | -39.1% | 0.2% |
| AMERICAN FINANCING CORPORATION | $155,000 | $650,000 | 319.4% | 0.2% |
| PLANET HOME LENDING, LLC | $620,000 | $630,000 | 1.6% | 0.2% |
| Sunflower Bank | $615,000 | n/a | 0.2% | |
| CARDINAL FINANCIAL | $175,000 | $605,000 | 245.7% | 0.2% |
| Ixonia Bank | $580,000 | n/a | 0.2% | |
| Credence Funding Corporation | $575,000 | n/a | 0.2% | |
| MID AMERICA MORTGAGE, INC. | $740,000 | $565,000 | -23.6% | 0.2% |
| TRIAD FINANCIAL SERVICES, INC. | $785,000 | $535,000 | -31.8% | 0.2% |
| M&T Bank | $530,000 | n/a | 0.2% | |
| Citadel Servicing Corporation | $525,000 | n/a | 0.2% | |
| RED CANOE CREDIT UNION | $520,000 | n/a | 0.2% | |
| Evergreen Federal Bank | $515,000 | n/a | 0.2% | |
| DEEPHAVEN MORTGAGE LLC | $500,000 | n/a | 0.2% | |
| Waterstone Mortgage Corporation | $495,000 | n/a | 0.2% | |
| Equity Prime Mortgage LLC | $490,000 | n/a | 0.2% | |
| NBKC BANK | $85,000 | $490,000 | 476.5% | 0.2% |
| S1L, Inc. | $670,000 | $490,000 | -26.9% | 0.2% |
| MARION AND POLK SCHOOLS CREDIT UNION | $470,000 | n/a | 0.2% | |
| Hometown Equity Mortgage, LLC | $465,000 | n/a | 0.2% | |
| SUN WEST MORTGAGE COMPANY, INC. | $215,000 | $465,000 | 116.3% | 0.2% |
| NEW DAY FINANCIAL, LLC | $810,000 | $460,000 | -43.2% | 0.2% |
| BAY EQUITY LLC | $1,010,000 | $435,000 | -56.9% | 0.1% |
| LAKEVIEW LOAN SERVICING, LLC | $420,000 | n/a | 0.1% | |
| The Loan Store, Inc. | $550,000 | $420,000 | -23.6% | 0.1% |
| PENTAGON FEDERAL CREDIT UNION | $740,000 | $405,000 | -45.3% | 0.1% |
| Boeing Employees Credit Union | $605,000 | $400,000 | -33.9% | 0.1% |
| First Federal Bank | $225,000 | $400,000 | 77.8% | 0.1% |
| Oregon State Credit Union | $400,000 | n/a | 0.1% | |
| PHH Mortgage Corporation | $395,000 | n/a | 0.1% | |
| PREMIER MORTGAGE RESOURCES, L.L.C. | $410,000 | $395,000 | -3.7% | 0.1% |
| T2 FINANCIAL LLC | $395,000 | n/a | 0.1% | |
| Willamette Valley Bank | $845,000 | $395,000 | -53.3% | 0.1% |
| Northwest Farm Credit Services, FLCA | $385,000 | n/a | 0.1% | |
| ALLIANT CREDIT UNION | $55,000 | $380,000 | 590.9% | 0.1% |
| Discover Bank | $550,000 | $380,000 | -30.9% | 0.1% |
| JMAC LENDING, INC. | $375,000 | n/a | 0.1% | |
| Magnolia Bank | $365,000 | n/a | 0.1% | |
| AMERISAVE MORTGAGE CORPORATION | $1,380,000 | $345,000 | -75.0% | 0.1% |
| LEADERONE FINANCIAL CORPORATION | $335,000 | n/a | 0.1% | |
| Merchants Mortgage & Trust Corporation | $335,000 | n/a | 0.1% | |
| Meridian Bank Corporation | $335,000 | n/a | 0.1% | |
| NATIONS DIRECT MORTGAGE, LLC | $775,000 | $335,000 | -56.8% | 0.1% |
| LENDSURE MORTGAGE CORP. | $325,000 | n/a | 0.1% | |
| TWINSTAR | $490,000 | $325,000 | -33.7% | 0.1% |
| SPRING EQ, LLC | $165,000 | $310,000 | 87.9% | 0.1% |
| American Mortgage & Equity Consultants, Inc. | $305,000 | n/a | 0.1% | |
| ISERVE RESIDENTIAL LENDING, LLC | $505,000 | $295,000 | -41.6% | 0.1% |
| 1st Security Bank of Washington | $490,000 | $285,000 | -41.8% | 0.1% |
| Golden Empire Mortgage, Inc. | $285,000 | n/a | 0.1% | |
| SIRVA MORTGAGE, INC. | $285,000 | n/a | 0.1% | |
| Morgan Stanley Private Bank | $275,000 | n/a | 0.1% | |
| ENVOY MORTGAGE, LTD | $265,000 | n/a | 0.1% | |
| GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | $265,000 | n/a | 0.1% | |
| Coastal Community Bank | $230,000 | $250,000 | 8.7% | 0.1% |
| HighTechLending Inc | $280,000 | $245,000 | -12.5% | 0.1% |
| EVERETT FINANCIAL, INC. | $240,000 | n/a | 0.1% | |
| VANDERBILT MORTGAGE AND FINANCE, INC. | $240,000 | n/a | 0.1% | |
| VERITAS FUNDING, LLC | $430,000 | $235,000 | -45.3% | 0.1% |
| GENEVA FINANCIAL, LLC | $680,000 | $225,000 | -66.9% | 0.1% |
| LPMC, LLC | $195,000 | $215,000 | 10.3% | 0.1% |
| Oregon Pacific Banking Company | $215,000 | n/a | 0.1% | |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | $205,000 | n/a | 0.1% | |
| BETTER MORTGAGE CORPORATION | $115,000 | $205,000 | 78.3% | 0.1% |
| Deere Employees Credit Union | $195,000 | n/a | 0.1% | |
| FIBRE FEDERAL CREDIT UNION | $195,000 | n/a | 0.1% | |
| Carrington Mortgage Services, LLC | $355,000 | $185,000 | -47.9% | 0.1% |
| SAMMAMISH MORTGAGE COMPANY | $385,000 | $185,000 | -51.9% | 0.1% |
| AMERITRUST MORTGAGE CORPORATION | $155,000 | n/a | 0.1% | |
| North American Savings Bank, F.S.B. | $155,000 | n/a | 0.1% | |
| VELOCITY COMMERCIAL CAPITAL, LLC | $155,000 | n/a | 0.1% | |
| CREDIT HUMAN FEDERAL CREDIT UNION | $120,000 | $150,000 | 25.0% | 0.0% |
| PACIFIC RESIDENTIAL MORTGAGE, LLC | $295,000 | $135,000 | -54.2% | 0.0% |
| QUORUM FEDERAL CREDIT UNION | $135,000 | n/a | 0.0% | |
| ROYAL UNITED MORTGAGE LLC | $430,000 | $130,000 | -69.8% | 0.0% |
| UNION HOME MORTGAGE CORP. | $780,000 | $125,000 | -84.0% | 0.0% |
| Advisors Mortgage Group, L.L.C. | $115,000 | n/a | 0.0% | |
| CANOPY MORTGAGE, LLC | $795,000 | $95,000 | -88.1% | 0.0% |
| Third Federal Savings and Loan Association of Cleveland | $350,000 | $85,000 | -75.7% | 0.0% |
| IDAHO CENTRAL | $65,000 | n/a | 0.0% | |
| MOUNTAIN AMERICA | $195,000 | $65,000 | -66.7% | 0.0% |
| GTE Federal Credit Union | $55,000 | n/a | 0.0% | |
| PNC Bank | $75,000 | $55,000 | -26.7% | 0.0% |
| RESIDENTIAL BANCORP | $55,000 | n/a | 0.0% | |
| Clackamas Federal Credit Union | $110,000 | $45,000 | -59.1% | 0.0% |
| Rivermark Community Credit Union | $25,000 | n/a | 0.0% |
Klamath Falls's top lender by overall market share is SUMMIT FUNDING, INC., with 13.7% market share. In second place, with 6.7%, is QUICKEN LOANS, LLC, having originated $20,135,000 in loans. In third place, with 5.2%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $15,830,000 in loans. In fourth place, with 5.1%, is NEWREZ LLC, having originated $15,250,000 in loans. In fifth place, with 4.6%, is ROGUE, having originated $13,830,000 in loans.
Klamath Falls Housing Market Trends (Median, Average Prices & Listing Count)
Realtor.com - Klamath Falls (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 | $211,250 (16.7%) | $280,294 (4.5%) | 0.00 | 307 |
| 2018-02-01 | $211,975 (17.8%) | $274,022 (-1.0%) | 0.00 | 305 |
| 2018-03-01 | $219,000 (15.6%) | $289,276 (-2.4%) | 0.00 | 304 |
| 2018-04-01 | $237,500 (21.8%) | $309,779 (4.6%) | 0.00 | 305 |
| 2018-05-01 | $250,000 (19.2%) | $318,895 (6.0%) | 0.00 | 336 |
| 2018-06-01 | $239,000 (19.4%) | $308,275 (3.7%) | 0.00 | 376 |
| 2018-07-01 | $249,225 (24.3%) | $308,957 (4.4%) | 0.00 | 392 |
| 2018-08-01 | $248,000 (25.6%) | $311,283 (12.0%) | 0.00 | 413 |
| 2018-09-01 | $244,900 (19.5%) | $314,936 (13.0%) | 0.00 | 447 |
| 2018-10-01 | $239,950 (15.0%) | $313,740 (9.3%) | 0.00 | 423 |
| 2018-11-01 | $249,000 (17.2%) | $318,953 (10.1%) | 0.00 | 406 |
| 2018-12-01 | $244,900 (16.6%) | $317,634 (11.2%) | 0.00 | 364 |
| 2019-01-01 | $242,450 (14.8%) | $320,283 (14.3%) | 0.00 | 326 |
| 2019-02-01 | $248,000 (17.0%) | $319,435 (16.6%) | 0.00 | 293 |
| 2019-03-01 | $256,350 (17.1%) | $330,370 (14.2%) | 0.00 | 284 |
| 2019-04-01 | $264,975 (11.6%) | $333,016 (7.5%) | 0.00 | 298 |
| 2019-05-01 | $266,725 (6.7%) | $333,055 (4.4%) | 0.00 | 336 |
| 2019-06-01 | $274,950 (15.0%) | $339,890 (10.3%) | 0.00 | 399 |
| 2019-07-01 | $272,450 (9.3%) | $331,526 (7.3%) | 0.00 | 451 |
| 2019-08-01 | $268,550 (8.3%) | $330,612 (6.2%) | 0.00 | 444 |
| 2019-09-01 | $266,525 (8.8%) | $330,748 (5.0%) | 0.00 | 429 |
| 2019-10-01 | $264,925 (10.4%) | $330,489 (5.3%) | 0.00 | 410 |
| 2019-11-01 | $259,000 (4.0%) | $331,934 (4.1%) | 0.00 | 339 |
| 2019-12-01 | $247,100 (0.9%) | $330,515 (4.1%) | 0.00 | 290 |
| 2020-01-01 | $238,500 (-1.6%) | $328,837 (2.7%) | 0.00 | 246 |
| 2020-02-01 | $264,900 (6.8%) | $349,257 (9.3%) | 0.00 | 233 |
| 2020-03-01 | $258,450 (0.8%) | $341,752 (3.5%) | 0.00 | 257 |
| 2020-04-01 | $259,000 (-2.3%) | $323,260 (-2.9%) | 0.00 | 278 |
| 2020-05-01 | $275,000 (3.1%) | $353,881 (6.3%) | 0.00 | 241 |
| 2020-06-01 | $294,949 (7.3%) | $379,238 (11.6%) | 0.00 | 207 |
| 2020-07-01 | $307,500 (12.9%) | $386,452 (16.6%) | 0.00 | 212 |
| 2020-08-01 | $327,000 (21.8%) | $404,400 (22.3%) | 0.00 | 192 |
| 2020-09-01 | $336,500 (26.3%) | $426,508 (29.0%) | 0.00 | 178 |
| 2020-10-01 | $329,000 (24.2%) | $424,472 (28.4%) | 0.00 | 170 |
| 2020-11-01 | $329,000 (27.0%) | $433,023 (30.5%) | 0.00 | 135 |
| 2020-12-01 | $319,925 (29.5%) | $403,817 (22.2%) | 0.00 | 117 |
| 2021-01-01 | $325,000 (36.3%) | $418,525 (27.3%) | 0.00 | 103 |
| 2021-02-01 | $329,225 (24.3%) | $572,366 (63.9%) | 0.00 | 89 |
| 2021-03-01 | $310,975 (20.3%) | $600,309 (75.7%) | 0.00 | 76 |
| 2021-04-01 | $320,000 (23.6%) | $584,339 (80.8%) | 0.00 | 92 |
| 2021-05-01 | $334,000 (21.5%) | $543,542 (53.6%) | 0.00 | 125 |
| 2021-06-01 | $330,725 (12.1%) | $509,277 (34.3%) | 0.00 | 144 |
| 2021-07-01 | $342,450 (11.4%) | $517,143 (33.8%) | 0.00 | 152 |
| 2021-08-01 | $348,875 (6.7%) | $505,600 (25.0%) | 0.00 | 170 |
| 2021-09-01 | $342,500 (1.8%) | $488,927 (14.6%) | 0.00 | 182 |
| 2021-10-01 | $349,000 (6.1%) | $492,821 (16.1%) | 0.00 | 182 |
| 2021-11-01 | $340,750 (3.6%) | $520,694 (20.3%) | 0.00 | 148 |
| 2021-12-01 | $359,000 (12.2%) | $547,971 (35.7%) | 0.00 | 131 |
| 2022-01-01 | $353,700 (8.8%) | $567,439 (35.6%) | 0.00 | 108 |
| 2022-02-01 | $378,250 (14.9%) | $661,569 (15.6%) | 0.00 | 103 |
| 2022-03-01 | $380,750 (22.4%) | $622,098 (3.6%) | 0.00 | 119 |
| 2022-04-01 | $382,450 (19.5%) | $619,621 (6.0%) | 0.00 | 141 |
| 2022-05-01 | $375,000 (12.3%) | $571,826 (5.2%) | 0.00 | 176 |
| 2022-06-01 | $362,500 (9.6%) | $549,911 (8.0%) | 0.00 | 207 |
| 2022-07-01 | $373,000 (8.9%) | $575,527 (11.3%) | 0.00 | 214 |
| 2022-08-01 | $359,950 (3.2%) | $556,749 (10.1%) | 0.00 | 211 |
| 2022-09-01 | $370,000 (8.0%) | $567,288 (16.0%) | 0.00 | 193 |
| 2022-10-01 | $375,000 (7.5%) | $556,198 (12.9%) | 0.00 | 204 |
| 2022-11-01 | $372,450 (9.3%) | $547,460 (5.1%) | 0.00 | 210 |
| 2022-12-01 | $352,500 (-1.8%) | $471,009 (-14.0%) | 0.00 | 210 |
| 2023-01-01 | $355,000 (0.4%) | $474,581 (-16.4%) | 0.00 | 200 |
| 2023-02-01 | $355,125 (-6.1%) | $468,465 (-29.2%) | 0.00 | 199 |
| 2023-03-01 | $371,000 (-2.6%) | $507,719 (-18.4%) | 0.00 | 185 |
| 2023-04-01 | $375,000 (-2.0%) | $514,018 (-17.0%) | 0.00 | 196 |
| 2023-05-01 | $382,749 (2.1%) | $529,569 (-7.4%) | 0.00 | 208 |
| 2023-06-01 | $386,999 (6.8%) | $524,093 (-4.7%) | 0.00 | 223 |
| 2023-07-01 | $385,000 (3.2%) | $516,055 (-10.3%) | 0.00 | 267 |
| 2023-08-01 | $384,998 (7.0%) | $517,124 (-7.1%) | 0.00 | 267 |
| 2023-09-01 | $394,500 (6.6%) | $528,146 (-6.9%) | 0.00 | 272 |
| 2023-10-01 | $373,623 (-0.4%) | $534,157 (-4.0%) | 0.00 | 266 |
| 2023-11-01 | $364,950 (-2.0%) | $538,707 (-1.6%) | 0.00 | 235 |
| 2023-12-01 | $370,000 (5.0%) | $557,033 (18.3%) | 0.00 | 218 |
| 2024-01-01 | $387,998 (9.3%) | $545,597 (15.0%) | 0.00 | 186 |
| 2024-02-01 | $385,975 (8.7%) | $541,325 (15.6%) | 0.00 | 185 |
| 2024-03-01 | $389,000 (4.9%) | $569,976 (12.3%) | 0.00 | 203 |
| 2024-04-01 | $386,725 (3.1%) | $564,661 (9.9%) | 0.00 | 236 |
| 2024-05-01 | $398,750 (4.2%) | $574,064 (8.4%) | 0.00 | 253 |
| 2024-06-01 | $400,000 (3.4%) | $554,484 (5.8%) | 0.00 | 281 |
| 2024-07-01 | $404,850 (5.2%) | $550,088 (6.6%) | 0.00 | 315 |
| 2024-08-01 | $399,000 (3.6%) | $538,185 (4.1%) | 0.00 | 335 |
| 2024-09-01 | $400,000 (1.4%) | $528,384 (0.1%) | 0.00 | 348 |
| 2024-10-01 | $400,000 (7.1%) | $528,386 (-1.1%) | 0.00 | 340 |
| 2024-11-01 | $399,000 (9.3%) | $522,829 (-3.0%) | 0.00 | 328 |
| 2024-12-01 | $400,550 (8.3%) | $520,072 (-6.6%) | 0.00 | 292 |
| 2025-01-01 | $399,000 (2.8%) | $502,527 (-7.9%) | 0.00 | 285 |
| 2025-02-01 | $397,750 (3.1%) | $510,136 (-5.8%) | 0.00 | 272 |
| 2025-03-01 | $394,500 (1.4%) | $512,656 (-10.1%) | 0.00 | 271 |
| 2025-04-01 | $399,450 (3.3%) | $534,192 (-5.4%) | 0.00 | 304 |
| 2025-05-01 | $399,000 (0.1%) | $519,628 (-9.5%) | 0.00 | 379 |
Klamath Falls's median listing price comes in at 0% of the national average.
Klamath Falls's average listing price for 2025-05-01 was $519,628, a difference of $-54,436 (-9.5%) versus the prior year and $-14,564 versus the prior month.
For the 2025-05-01 period, Klamath Falls had 379 MLS listings, a difference of 75 listings (25%) versus the prior month and 126 listings (50%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Klamath Falls (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,664 sqft |
| 2018-02-01 | 0 days | 1,677 sqft |
| 2018-03-01 | 0 days | 1,736 sqft |
| 2018-04-01 | 0 days | 1,806 sqft |
| 2018-05-01 | 0 days | 1,829 sqft |
| 2018-06-01 | 0 days | 1,782 sqft |
| 2018-07-01 | 0 days | 1,782 sqft |
| 2018-08-01 | 0 days | 1,775 sqft |
| 2018-09-01 | 0 days | 1,783 sqft |
| 2018-10-01 | 0 days | 1,781 sqft |
| 2018-11-01 | 0 days | 1,795 sqft |
| 2018-12-01 | 0 days | 1,792 sqft |
| 2019-01-01 | 0 days | 1,793 sqft |
| 2019-02-01 | 0 days | 1,787 sqft |
| 2019-03-01 | 0 days | 1,839 sqft |
| 2019-04-01 | 0 days | 1,874 sqft |
| 2019-05-01 | 0 days | 1,850 sqft |
| 2019-06-01 | 0 days | 1,888 sqft |
| 2019-07-01 | 0 days | 1,873 sqft |
| 2019-08-01 | 0 days | 1,871 sqft |
| 2019-09-01 | 0 days | 1,867 sqft |
| 2019-10-01 | 0 days | 1,872 sqft |
| 2019-11-01 | 0 days | 1,879 sqft |
| 2019-12-01 | 0 days | 1,844 sqft |
| 2020-01-01 | 0 days | 1,788 sqft |
| 2020-02-01 | 0 days | 1,824 sqft |
| 2020-03-01 | 0 days | 1,788 sqft |
| 2020-04-01 | 0 days | 1,779 sqft |
| 2020-05-01 | 0 days | 1,865 sqft |
| 2020-06-01 | 0 days | 1,917 sqft |
| 2020-07-01 | 0 days | 1,920 sqft |
| 2020-08-01 | 0 days | 2,050 sqft |
| 2020-09-01 | 0 days | 2,087 sqft |
| 2020-10-01 | 0 days | 1,972 sqft |
| 2020-11-01 | 0 days | 1,938 sqft |
| 2020-12-01 | 0 days | 1,788 sqft |
| 2021-01-01 | 0 days | 1,805 sqft |
| 2021-02-01 | 0 days | 1,905 sqft |
| 2021-03-01 | 0 days | 1,933 sqft |
| 2021-04-01 | 0 days | 2,019 sqft |
| 2021-05-01 | 0 days | 1,864 sqft |
| 2021-06-01 | 0 days | 1,770 sqft |
| 2021-07-01 | 0 days | 1,787 sqft |
| 2021-08-01 | 0 days | 1,720 sqft |
| 2021-09-01 | 0 days | 1,589 sqft |
| 2021-10-01 | 0 days | 1,603 sqft |
| 2021-11-01 | 0 days | 1,589 sqft |
| 2021-12-01 | 0 days | 1,615 sqft |
| 2022-01-01 | 0 days | 1,632 sqft |
| 2022-02-01 | 0 days | 1,764 sqft |
| 2022-03-01 | 0 days | 1,891 sqft |
| 2022-04-01 | 0 days | 1,904 sqft |
| 2022-05-01 | 0 days | 1,858 sqft |
| 2022-06-01 | 0 days | 1,875 sqft |
| 2022-07-01 | 0 days | 1,798 sqft |
| 2022-08-01 | 0 days | 1,712 sqft |
| 2022-09-01 | 0 days | 1,745 sqft |
| 2022-10-01 | 0 days | 1,733 sqft |
| 2022-11-01 | 0 days | 1,749 sqft |
| 2022-12-01 | 0 days | 1,748 sqft |
| 2023-01-01 | 0 days | 1,696 sqft |
| 2023-02-01 | 0 days | 1,685 sqft |
| 2023-03-01 | 0 days | 1,658 sqft |
| 2023-04-01 | 0 days | 1,706 sqft |
| 2023-05-01 | 0 days | 1,726 sqft |
| 2023-06-01 | 0 days | 1,761 sqft |
| 2023-07-01 | 0 days | 1,680 sqft |
| 2023-08-01 | 0 days | 1,760 sqft |
| 2023-09-01 | 0 days | 1,800 sqft |
| 2023-10-01 | 0 days | 1,694 sqft |
| 2023-11-01 | 0 days | 1,655 sqft |
| 2023-12-01 | 0 days | 1,704 sqft |
| 2024-01-01 | 0 days | 1,790 sqft |
| 2024-02-01 | 0 days | 1,733 sqft |
| 2024-03-01 | 0 days | 1,702 sqft |
| 2024-04-01 | 0 days | 1,695 sqft |
| 2024-05-01 | 0 days | 1,704 sqft |
| 2024-06-01 | 0 days | 1,723 sqft |
| 2024-07-01 | 0 days | 1,723 sqft |
| 2024-08-01 | 0 days | 1,733 sqft |
| 2024-09-01 | 0 days | 1,788 sqft |
| 2024-10-01 | 0 days | 1,786 sqft |
| 2024-11-01 | 0 days | 1,808 sqft |
| 2024-12-01 | 0 days | 1,809 sqft |
| 2025-01-01 | 0 days | 1,763 sqft |
| 2025-02-01 | 0 days | 1,800 sqft |
| 2025-03-01 | 0 days | 1,794 sqft |
| 2025-04-01 | 0 days | 1,791 sqft |
| 2025-05-01 | 0 days | 1,777 sqft |
Klamath Falls's median square footage for active listings during the 2025-05-01 period was 1,777 sqft. One year prior, the average listing was 1,704 sqft.
Klamath Falls, OR Market Loan Reason
| Loan Purpose | Originations | Total Value | Average Loan |
|---|---|---|---|
| Home Purchase | 720 | $196,210,000 | $272,514 |
| Cash Out Refi | 207 | $40,855,000 | $197,367 |
| Refi | 141 | $43,705,000 | $309,965 |
| Other | 138 | $10,780,000 | $78,116 |
| Home Improvement | 126 | $10,150,000 | $80,556 |
Klamath Falls's most frequently cited loan purpose was Home Purchase, with 720 originations. The 2nd most popular reason was Cash Out Refi, with 207 originations.
Interest Rate Frequencies
| Loan Rate | Originations | Total Value | Average Loan |
|---|---|---|---|
| 6-7% | 489 | $127,335,000 | $260,399 |
| Over 8% | 305 | $26,985,000 | $88,475 |
| 7-8% | 255 | $62,325,000 | $244,412 |
| 5-6% | 234 | $70,170,000 | $299,872 |
| 4-5% | 35 | $11,915,000 | $340,429 |
| <2.5% | 4 | $300,000 | $75,000 |
| 2.5-3% | 3 | $695,000 | $231,667 |
| 3-4% | 2 | $520,000 | $260,000 |
During 2024, Klamath Falls's most frequently originated rate bucket was 6-7%, with 489 originations.
Loan Sizing (Klamath Falls, OR MSA)
| Loan Size | Originations | Total Value | Average Loan |
|---|---|---|---|
| $200k-400k | 581 | $164,815,000 | $283,675 |
| $100,000 or less | 316 | $16,700,000 | $52,848 |
| $100k-200k | 297 | $45,755,000 | $154,057 |
| $400k-600k | 121 | $56,225,000 | $464,669 |
| $600k-1000k | 14 | $9,840,000 | $702,857 |
| $Over $1MM | 3 | $8,365,000 | $2,788,333 |
Klamath Falls's loan sizing saw the bucket of loans from $200k-400k with 581 originations, totaling $164,815,000 in origination value.
LTV Distribution
| Loan to Value | Originations | Total Value | Average Loan |
|---|---|---|---|
| 80-100% | 526 | $157,070,000 | $298,612 |
| 60-80% | 238 | $63,960,000 | $268,739 |
| Under 20% | 210 | $9,450,000 | $45,000 |
| 40-60% | 151 | $33,465,000 | $221,623 |
| 20-40% | 136 | $14,230,000 | $104,632 |
| Over 100% | 36 | $13,280,000 | $368,889 |
Klamath Falls's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 526 originations, totaling $157,070,000 in origination value.