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 6.59% for the week of 2024-07-12, compared to the national average (all USDA variants) of 6.672% for the same period.

Boulder's average USDA mortgage closing costs are $7,450.

The average rate for the prior week (2024-07-05) was 6.36% and one month ago for the week of 2024-06-07, the average rate was 6.52%.

The average rate one year ago was 6.41%.

For refis of the same type during the week of 2024-07-12, the average rate was 6.77%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

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. Louis
Date 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
Boulder's median listing price for 2024-06-01 was $900,000, a difference of $-50,000 (-5.3%) versus the prior year and $-60,975 versus the prior month.

Boulder's median listing price comes in at 202% of the national average.

Boulder's average listing price for 2024-06-01 was $1,535,940, a difference of $14,357 (0.9%) versus the prior year and $-87,759 versus the prior month.

For the 2024-06-01 period, Boulder had 1,165 MLS listings, a difference of 178 listings (18%) versus the prior month and 338 listings (41%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Boulder (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date 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
Boulder's median listing age (time on market) for 2024-06-01 was 37 days. This is 12% longer than the same period one year ago.

Boulder's median square footage for active listings during the 2024-06-01 period was 2,422 sqft. One year prior, the average listing was 2,606 sqft.