Boulder USDA Loan Rates, Closing Costs & Stats
BOULDER, CO
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.
Boulder USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Boulder
averaged
5.99%
for the week of 2024-10-04, compared to the national average (all USDA variants) of
5.97% for the same period.
Boulder's average USDA mortgage closing costs are $7,450.
The average rate for the prior week (2024-09-27) was
5.62% and
one month ago for the week of 2024-08-30, the
average rate was 5.76%.
The average rate one year ago was 7.2%.
For refis of the same type during the week of 2024-10-04, the average rate
was 5.77%.
Boulder 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 Boulder level.
Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
---|
The lowest fee Boulder USDA lenders (with over 10 loans originated) are
.
The lowest rate Boulder USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Boulder (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $662,167 (-2.9%) | $1,110,807 (-8.3%) | 2.45 | 478 |
2018-02-01 | $727,000 (4.8%) | $1,213,461 (-2.6%) | 2.64 | 479 |
2018-03-01 | $749,945 (8.1%) | $1,182,921 (-1.2%) | 2.63 | 533 |
2018-04-01 | $749,400 (7.8%) | $1,185,909 (2.0%) | 2.54 | 658 |
2018-05-01 | $746,338 (7.1%) | $1,163,743 (5.3%) | 2.49 | 740 |
2018-06-01 | $719,450 (5.2%) | $1,082,882 (3.7%) | 2.40 | 849 |
2018-07-01 | $704,975 (6.8%) | $1,060,146 (2.7%) | 2.35 | 881 |
2018-08-01 | $662,400 (3.1%) | $1,006,390 (0.2%) | 2.22 | 937 |
2018-09-01 | $644,000 (1.5%) | $985,298 (-0.9%) | 2.16 | 946 |
2018-10-01 | $643,500 (-1.0%) | $1,001,372 (-3.1%) | 2.18 | 922 |
2018-11-01 | $644,350 (-0.9%) | $1,030,284 (-3.8%) | 2.18 | 810 |
2018-12-01 | $660,000 (0.5%) | $1,037,180 (-7.5%) | 2.28 | 669 |
2019-01-01 | $631,225 (-4.7%) | $1,010,506 (-9.0%) | 2.18 | 612 |
2019-02-01 | $649,450 (-10.7%) | $1,021,671 (-15.8%) | 2.19 | 663 |
2019-03-01 | $643,004 (-14.3%) | $1,034,596 (-12.5%) | 2.10 | 756 |
2019-04-01 | $657,082 (-12.3%) | $1,035,090 (-12.7%) | 2.09 | 865 |
2019-05-01 | $660,698 (-11.5%) | $1,037,347 (-10.9%) | 2.07 | 1,000 |
2019-06-01 | $667,600 (-7.2%) | $1,039,165 (-4.0%) | 2.09 | 1,096 |
2019-07-01 | $679,000 (-3.7%) | $1,020,297 (-3.8%) | 2.13 | 1,178 |
2019-08-01 | $665,980 (0.5%) | $1,004,911 (-0.2%) | 2.11 | 1,178 |
2019-09-01 | $668,199 (3.8%) | $1,009,249 (2.4%) | 2.14 | 1,165 |
2019-10-01 | $667,666 (3.8%) | $1,012,140 (1.1%) | 2.15 | 1,143 |
2019-11-01 | $664,900 (3.2%) | $1,025,842 (-0.4%) | 2.18 | 977 |
2019-12-01 | $664,950 (0.8%) | $1,065,166 (2.7%) | 2.22 | 757 |
2020-01-01 | $650,000 (3.0%) | $1,057,952 (4.7%) | 2.17 | 616 |
2020-02-01 | $688,000 (5.9%) | $1,105,181 (8.2%) | 2.25 | 596 |
2020-03-01 | $719,731 (11.9%) | $1,106,809 (7.0%) | 2.26 | 634 |
2020-04-01 | $712,802 (8.5%) | $1,059,426 (2.4%) | 2.23 | 700 |
2020-05-01 | $742,455 (12.4%) | $1,063,371 (2.5%) | 2.26 | 855 |
2020-06-01 | $745,989 (11.7%) | $1,077,526 (3.7%) | 2.20 | 955 |
2020-07-01 | $749,500 (10.4%) | $1,089,300 (6.8%) | 2.17 | 889 |
2020-08-01 | $756,250 (13.6%) | $1,122,208 (11.7%) | 2.17 | 803 |
2020-09-01 | $715,945 (7.2%) | $1,113,430 (10.3%) | 2.05 | 798 |
2020-10-01 | $745,000 (11.6%) | $1,175,023 (16.1%) | 2.13 | 773 |
2020-11-01 | $767,488 (15.4%) | $1,223,779 (19.3%) | 2.24 | 597 |
2020-12-01 | $798,000 (20.0%) | $1,302,359 (22.3%) | 2.37 | 474 |
2021-01-01 | $856,653 (31.8%) | $1,356,233 (28.2%) | 2.56 | 362 |
2021-02-01 | $886,000 (28.8%) | $1,346,694 (21.9%) | 2.58 | 308 |
2021-03-01 | $844,000 (17.3%) | $1,362,872 (23.1%) | 2.39 | 287 |
2021-04-01 | $809,500 (13.6%) | $1,368,154 (29.1%) | 2.19 | 326 |
2021-05-01 | $800,000 (7.8%) | $1,347,354 (26.7%) | 2.13 | 330 |
2021-06-01 | $812,450 (8.9%) | $1,294,942 (20.2%) | 2.14 | 434 |
2021-07-01 | $787,500 (5.1%) | $1,258,888 (15.6%) | 2.08 | 446 |
2021-08-01 | $759,500 (0.4%) | $1,198,662 (6.8%) | 2.03 | 472 |
2021-09-01 | $749,988 (4.8%) | $1,154,947 (3.7%) | 2.00 | 464 |
2021-10-01 | $796,000 (6.9%) | $1,214,778 (3.4%) | 2.12 | 395 |
2021-11-01 | $811,975 (5.8%) | $1,333,273 (9.0%) | 2.17 | 299 |
2021-12-01 | $804,950 (0.9%) | $1,344,914 (3.3%) | 2.18 | 416 |
2022-01-01 | $825,000 (-3.7%) | $1,522,455 (12.3%) | 2.23 | 151 |
2022-02-01 | $877,183 (-1.0%) | $1,628,962 (21.0%) | 2.28 | 168 |
2022-03-01 | $826,250 (-2.1%) | $1,470,080 (7.9%) | 2.07 | 210 |
2022-04-01 | $874,900 (8.1%) | $1,489,471 (8.9%) | 2.09 | 255 |
2022-05-01 | $870,000 (8.8%) | $1,422,370 (5.6%) | 1.99 | 472 |
2022-06-01 | $887,500 (9.2%) | $1,415,625 (9.3%) | 1.98 | 635 |
2022-07-01 | $864,000 (9.7%) | $1,355,758 (7.7%) | 1.95 | 761 |
2022-08-01 | $829,000 (9.2%) | $1,312,045 (9.5%) | 1.92 | 811 |
2022-09-01 | $835,000 (11.3%) | $1,342,753 (16.3%) | 1.95 | 793 |
2022-10-01 | $825,000 (3.6%) | $1,353,181 (11.4%) | 1.94 | 800 |
2022-11-01 | $835,000 (2.8%) | $1,404,504 (5.3%) | 2.01 | 693 |
2022-12-01 | $843,450 (4.8%) | $1,427,316 (6.1%) | 2.08 | 503 |
2023-01-01 | $846,000 (2.6%) | $1,490,739 (-2.1%) | 2.10 | 438 |
2023-02-01 | $875,000 (-0.3%) | $1,519,179 (-6.7%) | 2.11 | 482 |
2023-03-01 | $959,275 (16.1%) | $1,587,138 (8.0%) | 2.26 | 532 |
2023-04-01 | $982,550 (12.3%) | $1,605,475 (7.8%) | 2.29 | 618 |
2023-05-01 | $985,000 (13.2%) | $1,564,648 (10.0%) | 2.23 | 720 |
2023-06-01 | $950,000 (7.0%) | $1,521,583 (7.5%) | 2.13 | 827 |
2023-07-01 | $909,475 (5.3%) | $1,493,150 (10.1%) | 2.07 | 869 |
2023-08-01 | $901,475 (8.7%) | $1,520,394 (15.9%) | 2.07 | 840 |
2023-09-01 | $896,250 (7.3%) | $1,491,076 (11.1%) | 2.09 | 889 |
2023-10-01 | $913,750 (10.8%) | $1,501,237 (10.9%) | 2.15 | 924 |
2023-11-01 | $899,016 (7.7%) | $1,488,340 (6.0%) | 2.14 | 835 |
2023-12-01 | $887,500 (5.2%) | $1,499,844 (5.1%) | 2.16 | 669 |
2024-01-01 | $899,000 (6.3%) | $1,569,593 (5.3%) | 2.20 | 534 |
2024-02-01 | $914,441 (4.5%) | $1,532,453 (0.9%) | 2.20 | 573 |
2024-03-01 | $940,000 (-2.0%) | $1,520,552 (-4.2%) | 2.21 | 701 |
2024-04-01 | $915,000 (-6.9%) | $1,545,817 (-3.7%) | 2.13 | 826 |
2024-05-01 | $960,975 (-2.4%) | $1,623,699 (3.8%) | 2.17 | 987 |
2024-06-01 | $900,000 (-5.3%) | $1,535,940 (0.9%) | 2.02 | 1,165 |
2024-07-01 | $864,750 (-4.9%) | $1,430,934 (-4.2%) | 1.98 | 1,227 |
2024-08-01 | $849,000 (-5.8%) | $1,406,828 (-7.5%) | 1.97 | 1,246 |
2024-09-01 | $812,500 (-9.3%) | $1,370,321 (-8.1%) | 0.00 | 1,290 |
Boulder's median listing price comes in at 0% of the national average.
Boulder's average listing price for 2024-09-01 was $1,370,321, a difference of $-120,755 (-8.1%) versus the prior year and $-36,507 versus the prior month.
For the 2024-09-01 period, Boulder had 1,290 MLS listings, a difference of 44 listings (4%) versus the prior month and 401 listings (45%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Boulder (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 59 days | 2,993 sqft |
2018-02-01 | 39 days | 3,138 sqft |
2018-03-01 | 35 days | 3,074 sqft |
2018-04-01 | 30 days | 3,091 sqft |
2018-05-01 | 31 days | 3,009 sqft |
2018-06-01 | 31 days | 2,938 sqft |
2018-07-01 | 37 days | 2,758 sqft |
2018-08-01 | 43 days | 2,585 sqft |
2018-09-01 | 47 days | 2,589 sqft |
2018-10-01 | 45 days | 2,605 sqft |
2018-11-01 | 53 days | 2,596 sqft |
2018-12-01 | 68 days | 2,607 sqft |
2019-01-01 | 70 days | 2,455 sqft |
2019-02-01 | 38 days | 2,400 sqft |
2019-03-01 | 37 days | 2,570 sqft |
2019-04-01 | 34 days | 2,679 sqft |
2019-05-01 | 32 days | 2,677 sqft |
2019-06-01 | 38 days | 2,628 sqft |
2019-07-01 | 39 days | 2,599 sqft |
2019-08-01 | 44 days | 2,549 sqft |
2019-09-01 | 49 days | 2,542 sqft |
2019-10-01 | 51 days | 2,524 sqft |
2019-11-01 | 58 days | 2,523 sqft |
2019-12-01 | 74 days | 2,583 sqft |
2020-01-01 | 74 days | 2,542 sqft |
2020-02-01 | 38 days | 2,553 sqft |
2020-03-01 | 37 days | 2,570 sqft |
2020-04-01 | 41 days | 2,496 sqft |
2020-05-01 | 40 days | 2,517 sqft |
2020-06-01 | 36 days | 2,496 sqft |
2020-07-01 | 42 days | 2,449 sqft |
2020-08-01 | 42 days | 2,382 sqft |
2020-09-01 | 38 days | 2,304 sqft |
2020-10-01 | 39 days | 2,305 sqft |
2020-11-01 | 51 days | 2,320 sqft |
2020-12-01 | 68 days | 2,330 sqft |
2021-01-01 | 79 days | 2,192 sqft |
2021-02-01 | 73 days | 2,266 sqft |
2021-03-01 | 39 days | 2,257 sqft |
2021-04-01 | 31 days | 2,219 sqft |
2021-05-01 | 30 days | 2,305 sqft |
2021-06-01 | 18 days | 2,356 sqft |
2021-07-01 | 31 days | 2,356 sqft |
2021-08-01 | 30 days | 2,295 sqft |
2021-09-01 | 30 days | 2,276 sqft |
2021-10-01 | 33 days | 2,228 sqft |
2021-11-01 | 37 days | 2,355 sqft |
2021-12-01 | 44 days | 2,296 sqft |
2022-01-01 | 33 days | 2,476 sqft |
2022-02-01 | 19 days | 2,458 sqft |
2022-03-01 | 16 days | 2,366 sqft |
2022-04-01 | 15 days | 2,485 sqft |
2022-05-01 | 16 days | 2,520 sqft |
2022-06-01 | 22 days | 2,539 sqft |
2022-07-01 | 30 days | 2,496 sqft |
2022-08-01 | 36 days | 2,370 sqft |
2022-09-01 | 40 days | 2,398 sqft |
2022-10-01 | 43 days | 2,423 sqft |
2022-11-01 | 51 days | 2,480 sqft |
2022-12-01 | 68 days | 2,426 sqft |
2023-01-01 | 79 days | 2,487 sqft |
2023-02-01 | 44 days | 2,516 sqft |
2023-03-01 | 36 days | 2,634 sqft |
2023-04-01 | 36 days | 2,710 sqft |
2023-05-01 | 32 days | 2,633 sqft |
2023-06-01 | 33 days | 2,606 sqft |
2023-07-01 | 41 days | 2,587 sqft |
2023-08-01 | 45 days | 2,652 sqft |
2023-09-01 | 43 days | 2,602 sqft |
2023-10-01 | 44 days | 2,577 sqft |
2023-11-01 | 55 days | 2,558 sqft |
2023-12-01 | 76 days | 2,464 sqft |
2024-01-01 | 81 days | 2,416 sqft |
2024-02-01 | 44 days | 2,449 sqft |
2024-03-01 | 32 days | 2,434 sqft |
2024-04-01 | 34 days | 2,403 sqft |
2024-05-01 | 31 days | 2,455 sqft |
2024-06-01 | 37 days | 2,422 sqft |
2024-07-01 | 44 days | 2,397 sqft |
2024-08-01 | 53 days | 2,364 sqft |
2024-09-01 | 0 days | 2,215 sqft |
Boulder's median square footage for active listings during the 2024-09-01 period was 2,215 sqft. One year prior, the average listing was 2,602 sqft.