Breckenridge USDA Loan Rates, Closing Costs & Stats

Breckenridge, CO

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    • 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.

    Breckenridge's 1 lenders originated 1 USDA loans during 2023. The total origination value was $345,000, with an average USDA loan value of $345,000.

    Breckenridge USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Breckenridge averaged 6.38% for the week of 2024-12-13, compared to the national average (all USDA variants) of 6.303% for the same period.

    Breckenridge's average USDA mortgage closing costs are $6,269.

    The average rate for the prior week (2024-12-06) was 6.42% and one month ago for the week of 2024-11-08, the average rate was 6.63%.

    The average rate one year ago was 7.1%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.1%.

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

    Breckenridge 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 Breckenridge level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    CMG MORTGAGE, INC. 1 5.75% $8,384

    The lowest fee Breckenridge USDA lenders (with over 10 loans originated) are .

    The lowest rate Breckenridge USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Breckenridge (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 $1,091,500 (10.3%) $1,526,219 (12.2%) 0.00 267
    2018-02-01 $1,024,000 (9.9%) $1,497,516 (8.6%) 0.00 273
    2018-03-01 $949,000 (6.4%) $1,449,440 (7.3%) 0.00 300
    2018-04-01 $839,000 (-4.9%) $1,335,104 (3.8%) 0.00 353
    2018-05-01 $814,000 (-2.3%) $1,322,119 (7.3%) 0.00 363
    2018-06-01 $854,000 (0.5%) $1,336,460 (10.1%) 0.00 442
    2018-07-01 $904,000 (3.3%) $1,391,298 (10.0%) 0.00 503
    2018-08-01 $925,750 (9.0%) $1,405,935 (11.4%) 0.00 512
    2018-09-01 $928,500 (0.5%) $1,436,871 (8.3%) 0.00 487
    2018-10-01 $913,625 (-7.6%) $1,457,086 (1.9%) 0.00 449
    2018-11-01 $944,750 (-11.2%) $1,479,372 (-2.1%) 0.00 405
    2018-12-01 $968,750 (-9.3%) $1,547,372 (0.9%) 0.00 366
    2019-01-01 $913,000 (-16.4%) $1,542,808 (1.1%) 0.00 341
    2019-02-01 $816,000 (-20.3%) $1,427,096 (-4.7%) 0.00 360
    2019-03-01 $750,429 (-20.9%) $1,280,574 (-11.7%) 0.00 430
    2019-04-01 $644,000 (-23.2%) $1,096,735 (-17.9%) 0.00 528
    2019-05-01 $639,225 (-21.5%) $1,054,213 (-20.3%) 0.00 595
    2019-06-01 $649,000 (-24.0%) $1,050,754 (-21.4%) 0.00 726
    2019-07-01 $649,000 (-28.2%) $1,063,280 (-23.6%) 0.00 824
    2019-08-01 $644,273 (-30.4%) $1,054,435 (-25.0%) 0.00 837
    2019-09-01 $635,682 (-31.5%) $1,035,914 (-27.9%) 0.00 806
    2019-10-01 $629,955 (-31.1%) $1,029,246 (-29.4%) 0.00 772
    2019-11-01 $692,000 (-26.8%) $1,179,438 (-20.3%) 0.00 718
    2019-12-01 $678,225 (-30.0%) $1,134,738 (-26.7%) 0.00 716
    2020-01-01 $645,000 (-29.4%) $1,035,997 (-32.9%) 0.00 722
    2020-02-01 $689,000 (-15.6%) $1,180,557 (-17.3%) 0.00 619
    2020-03-01 $675,000 (-10.1%) $1,154,753 (-9.8%) 0.00 665
    2020-04-01 $663,750 (3.1%) $1,104,414 (0.7%) 0.00 696
    2020-05-01 $649,900 (1.7%) $1,079,527 (2.4%) 0.00 754
    2020-06-01 $664,975 (2.5%) $1,057,983 (0.7%) 0.00 953
    2020-07-01 $673,750 (3.8%) $1,072,146 (0.8%) 0.00 1,053
    2020-08-01 $689,000 (6.9%) $1,124,630 (6.7%) 0.00 1,018
    2020-09-01 $682,000 (7.3%) $1,148,503 (10.9%) 0.00 935
    2020-10-01 $692,000 (9.9%) $1,183,486 (15.0%) 0.00 800
    2020-11-01 $699,975 (1.2%) $1,236,400 (4.8%) 0.00 623
    2020-12-01 $700,000 (3.2%) $1,252,779 (10.4%) 0.00 551
    2021-01-01 $723,500 (12.2%) $1,261,539 (21.8%) 0.00 526
    2021-02-01 $713,250 (3.5%) $1,189,564 (0.8%) 0.00 563
    2021-03-01 $739,750 (9.6%) $1,273,618 (10.3%) 0.00 552
    2021-04-01 $778,500 (17.3%) $1,351,939 (22.4%) 0.00 555
    2021-05-01 $799,000 (22.9%) $1,337,270 (23.9%) 0.00 587
    2021-06-01 $831,225 (25.0%) $1,355,183 (28.1%) 0.00 613
    2021-07-01 $829,950 (23.2%) $1,343,272 (25.3%) 0.00 673
    2021-08-01 $839,000 (21.8%) $1,456,499 (29.5%) 0.00 697
    2021-09-01 $885,000 (29.8%) $1,478,572 (28.7%) 0.00 708
    2021-10-01 $949,500 (37.2%) $1,529,305 (29.2%) 0.00 626
    2021-11-01 $955,125 (36.5%) $1,615,335 (30.7%) 0.00 513
    2021-12-01 $1,003,225 (43.3%) $1,755,254 (40.1%) 0.00 464
    2022-01-01 $1,068,677 (47.7%) $1,849,330 (46.6%) 0.00 451
    2022-02-01 $1,022,500 (43.4%) $1,768,073 (48.6%) 0.00 500
    2022-03-01 $1,073,971 (45.2%) $1,802,142 (41.5%) 0.00 524
    2022-04-01 $1,125,000 (44.5%) $1,834,710 (35.7%) 0.00 543
    2022-05-01 $1,143,000 (43.1%) $1,845,058 (38.0%) 0.00 612
    2022-06-01 $1,160,000 (39.6%) $1,848,654 (36.4%) 0.00 700
    2022-07-01 $1,180,000 (42.2%) $1,844,960 (37.4%) 0.00 849
    2022-08-01 $1,193,750 (42.3%) $1,891,985 (29.9%) 0.00 875
    2022-09-01 $1,236,500 (39.7%) $1,880,760 (27.2%) 0.00 871
    2022-10-01 $1,250,000 (31.7%) $1,944,412 (27.1%) 0.00 764
    2022-11-01 $1,200,038 (25.6%) $1,937,441 (19.9%) 0.00 683
    2022-12-01 $1,250,000 (24.6%) $2,000,892 (14.0%) 0.00 629
    2023-01-01 $1,300,200 (21.7%) $2,094,321 (13.3%) 0.00 591
    2023-02-01 $1,279,600 (25.1%) $2,017,474 (14.1%) 0.00 576
    2023-03-01 $1,297,000 (20.8%) $1,974,457 (9.6%) 0.00 580
    2023-04-01 $1,275,000 (13.3%) $1,856,854 (1.2%) 0.00 604
    2023-05-01 $1,180,000 (3.2%) $1,771,708 (-4.0%) 0.00 631
    2023-06-01 $1,198,000 (3.3%) $1,818,069 (-1.7%) 0.00 678
    2023-07-01 $1,195,000 (1.3%) $1,806,234 (-2.1%) 0.00 787
    2023-08-01 $1,193,050 (-0.1%) $1,807,474 (-4.5%) 0.00 840
    2023-09-01 $1,154,000 (-6.7%) $1,739,497 (-7.5%) 0.00 931
    2023-10-01 $1,185,000 (-5.2%) $1,952,178 (0.4%) 0.00 451
    2023-11-01 $1,177,500 (-1.9%) $1,985,698 (2.5%) 0.00 411
    2023-12-01 $1,199,500 (-4.0%) $2,017,460 (0.8%) 0.00 364
    2024-01-01 $1,188,000 (-8.6%) $2,149,303 (2.6%) 0.00 326
    2024-02-01 $1,176,000 (-8.1%) $2,108,563 (4.5%) 0.00 339
    2024-03-01 $1,125,000 (-13.3%) $2,013,444 (2.0%) 0.00 390
    2024-04-01 $1,125,000 (-11.8%) $1,959,791 (5.5%) 0.00 427
    2024-05-01 $1,119,750 (-5.1%) $1,942,430 (9.6%) 0.00 476
    2024-06-01 $1,092,500 (-8.8%) $1,815,796 (-0.1%) 0.00 624
    2024-07-01 $1,193,750 (-0.1%) $1,894,414 (4.9%) 0.00 740
    2024-08-01 $1,195,000 (0.2%) $1,822,495 (0.8%) 0.00 742
    2024-09-01 $1,249,600 (8.3%) $1,867,850 (7.4%) 0.00 689
    2024-10-01 $1,262,000 (6.5%) $1,844,298 (-5.5%) 0.00 643
    2024-11-01 $1,200,000 (1.9%) $1,855,305 (-6.6%) 0.00 554
    Breckenridge's median listing price for 2024-11-01 was $1,200,000, a difference of $22,500 (1.9%) versus the prior year and $-62,000 versus the prior month.

    Breckenridge's median listing price comes in at 0% of the national average.

    Breckenridge's average listing price for 2024-11-01 was $1,855,305, a difference of $-130,393 (-6.6%) versus the prior year and $11,007 versus the prior month.

    For the 2024-11-01 period, Breckenridge had 554 MLS listings, a difference of -89 listings (-14%) versus the prior month and 143 listings (35%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Breckenridge (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,269 sqft
    2018-02-01 0 days 2,115 sqft
    2018-03-01 0 days 2,034 sqft
    2018-04-01 0 days 1,837 sqft
    2018-05-01 0 days 1,821 sqft
    2018-06-01 0 days 1,847 sqft
    2018-07-01 0 days 1,983 sqft
    2018-08-01 0 days 1,982 sqft
    2018-09-01 0 days 2,056 sqft
    2018-10-01 0 days 2,039 sqft
    2018-11-01 0 days 1,949 sqft
    2018-12-01 0 days 1,999 sqft
    2019-01-01 0 days 1,819 sqft
    2019-02-01 0 days 1,590 sqft
    2019-03-01 0 days 1,420 sqft
    2019-04-01 0 days 1,205 sqft
    2019-05-01 0 days 1,200 sqft
    2019-06-01 0 days 1,202 sqft
    2019-07-01 0 days 1,266 sqft
    2019-08-01 0 days 1,321 sqft
    2019-09-01 0 days 1,312 sqft
    2019-10-01 0 days 1,304 sqft
    2019-11-01 0 days 1,426 sqft
    2019-12-01 0 days 1,328 sqft
    2020-01-01 0 days 1,176 sqft
    2020-02-01 0 days 1,228 sqft
    2020-03-01 0 days 1,214 sqft
    2020-04-01 0 days 1,215 sqft
    2020-05-01 0 days 1,220 sqft
    2020-06-01 0 days 1,255 sqft
    2020-07-01 0 days 1,304 sqft
    2020-08-01 0 days 1,335 sqft
    2020-09-01 0 days 1,249 sqft
    2020-10-01 0 days 1,231 sqft
    2020-11-01 0 days 1,246 sqft
    2020-12-01 0 days 1,232 sqft
    2021-01-01 0 days 1,246 sqft
    2021-02-01 0 days 1,246 sqft
    2021-03-01 0 days 1,246 sqft
    2021-04-01 0 days 1,246 sqft
    2021-05-01 0 days 1,246 sqft
    2021-06-01 0 days 1,322 sqft
    2021-07-01 0 days 1,361 sqft
    2021-08-01 0 days 1,378 sqft
    2021-09-01 0 days 1,382 sqft
    2021-10-01 0 days 1,477 sqft
    2021-11-01 0 days 1,581 sqft
    2021-12-01 0 days 1,581 sqft
    2022-01-01 0 days 1,580 sqft
    2022-02-01 0 days 1,395 sqft
    2022-03-01 0 days 1,385 sqft
    2022-04-01 0 days 1,456 sqft
    2022-05-01 0 days 1,478 sqft
    2022-06-01 0 days 1,482 sqft
    2022-07-01 0 days 1,570 sqft
    2022-08-01 0 days 1,613 sqft
    2022-09-01 0 days 1,580 sqft
    2022-10-01 0 days 1,570 sqft
    2022-11-01 0 days 1,536 sqft
    2022-12-01 0 days 1,604 sqft
    2023-01-01 0 days 1,592 sqft
    2023-02-01 0 days 1,524 sqft
    2023-03-01 0 days 1,461 sqft
    2023-04-01 0 days 1,354 sqft
    2023-05-01 0 days 1,315 sqft
    2023-06-01 0 days 1,329 sqft
    2023-07-01 0 days 1,347 sqft
    2023-08-01 0 days 1,347 sqft
    2023-09-01 0 days 1,347 sqft
    2023-10-01 0 days 1,399 sqft
    2023-11-01 0 days 1,335 sqft
    2023-12-01 0 days 1,320 sqft
    2024-01-01 0 days 1,258 sqft
    2024-02-01 0 days 1,255 sqft
    2024-03-01 0 days 1,232 sqft
    2024-04-01 0 days 1,249 sqft
    2024-05-01 0 days 1,252 sqft
    2024-06-01 0 days 1,206 sqft
    2024-07-01 0 days 1,326 sqft
    2024-08-01 0 days 1,332 sqft
    2024-09-01 0 days 1,400 sqft
    2024-10-01 0 days 1,400 sqft
    2024-11-01 0 days 1,362 sqft
    Breckenridge's median listing age (time on market) for 2024-11-01 was 0 days.

    Breckenridge's median square footage for active listings during the 2024-11-01 period was 1,362 sqft. One year prior, the average listing was 1,335 sqft.