Breckenridge USDA Loan Rates, Closing Costs & Stats
Breckenridge, 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.
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
7.14%
for the week of 2024-04-19, compared to the national average (all USDA variants) of
6.863% for the same period.
Breckenridge's average USDA mortgage closing costs are $6,269.
The average rate for the prior week (2024-04-12) was
6.69% and
one month ago for the week of 2024-03-15, the
average rate was 6.78%.
The average rate one year ago was 6.32%.
For refis of the same type during the week of 2024-04-19, the average rate
was 6.76%.
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 |
Breckenridge's median listing price comes in at 0% of the national average.
Breckenridge's average listing price for 2024-03-01 was $2,013,444, a difference of $38,987 (2.0%) versus the prior year and $-95,119 versus the prior month.
For the 2024-03-01 period, Breckenridge had 390 MLS listings, a difference of 51 listings (15%) versus the prior month and -190 listings (-33%) 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 |
Breckenridge's median square footage for active listings during the 2024-03-01 period was 1,232 sqft. One year prior, the average listing was 1,461 sqft.