Edwards USDA Loan Rates, Closing Costs & Stats

Edwards, 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.

Edwards USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Edwards averaged -0.72% for the week of 2023-06-02, compared to the national average (all USDA variants) of 0% for the same period.

Edwards's average USDA mortgage closing costs are $7,838.

The average rate for the prior week (2023-05-26) was 5.72% and one month ago for the week of 2023-04-28, the average rate was 5.4%.

The average rate one year ago was 4.47%.

For refis of the same type during the week of 2023-06-02, the average rate was -1.84%.

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

Edwards 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 Edwards level.

Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs

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

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


Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Edwards (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 $849,250 (0.0%) $1,910,694 (-1.4%) 0.00 910
2018-02-01 $885,500 (4.8%) $1,963,043 (3.1%) 0.00 877
2018-03-01 $849,000 (-0.2%) $1,899,698 (-2.9%) 0.00 939
2018-04-01 $824,000 (3.1%) $1,846,047 (-3.5%) 0.00 922
2018-05-01 $788,500 (-6.0%) $1,726,585 (-7.8%) 0.00 936
2018-06-01 $799,000 (-4.0%) $1,727,386 (-5.8%) 0.00 1,000
2018-07-01 $838,750 (-1.2%) $1,861,148 (-2.1%) 0.00 1,102
2018-08-01 $799,500 (-5.8%) $1,883,796 (-2.6%) 0.00 1,095
2018-09-01 $799,000 (-9.1%) $1,896,464 (-6.1%) 0.00 1,042
2018-10-01 $775,750 (-10.5%) $1,883,272 (-7.5%) 0.00 998
2018-11-01 $767,500 (-9.6%) $1,902,808 (-6.3%) 0.00 976
2018-12-01 $799,000 (-7.4%) $1,991,502 (1.8%) 0.00 983
2019-01-01 $823,375 (-3.1%) $1,982,774 (3.8%) 0.00 981
2019-02-01 $868,750 (-1.9%) $2,002,540 (2.0%) 0.00 976
2019-03-01 $814,429 (-4.1%) $1,901,120 (0.1%) 0.00 980
2019-04-01 $751,750 (-8.8%) $1,810,094 (-2.0%) 0.00 985
2019-05-01 $739,250 (-6.3%) $1,811,656 (4.9%) 0.00 941
2019-06-01 $799,500 (0.1%) $1,815,587 (5.1%) 0.00 1,048
2019-07-01 $855,750 (2.0%) $1,985,679 (6.7%) 0.00 1,124
2019-08-01 $832,455 (4.1%) $1,991,109 (5.7%) 0.00 1,086
2019-09-01 $813,636 (1.8%) $2,008,748 (5.9%) 0.00 1,032
2019-10-01 $797,000 (2.7%) $2,020,508 (7.3%) 0.00 991
2019-11-01 $775,000 (1.0%) $2,015,585 (5.9%) 0.00 968
2019-12-01 $920,000 (15.1%) $2,100,171 (5.5%) 0.00 967
2020-01-01 $925,000 (12.3%) $2,191,100 (10.5%) 0.00 905
2020-02-01 $940,000 (8.2%) $2,223,154 (11.0%) 0.00 884
2020-03-01 $934,750 (14.8%) $2,205,932 (16.0%) 0.00 921
2020-04-01 $831,000 (10.5%) $2,007,452 (10.9%) 0.00 895
2020-05-01 $799,000 (8.1%) $1,899,017 (4.8%) 0.00 890
2020-06-01 $895,000 (11.9%) $1,966,783 (8.3%) 0.00 904
2020-07-01 $872,500 (2.0%) $2,023,123 (1.9%) 0.00 919
2020-08-01 $899,000 (8.0%) $2,251,764 (13.1%) 0.00 893
2020-09-01 $940,000 (15.5%) $2,243,899 (11.7%) 0.00 811
2020-10-01 $899,000 (12.8%) $2,353,423 (16.5%) 0.00 726
2020-11-01 $798,000 (3.0%) $2,455,972 (21.9%) 0.00 690
2020-12-01 $827,000 (-10.1%) $2,556,279 (21.7%) 0.00 649
2021-01-01 $729,500 (-21.1%) $2,681,515 (22.4%) 0.00 608
2021-02-01 $669,000 (-28.8%) $2,793,101 (25.6%) 0.00 579
2021-03-01 $720,750 (-22.9%) $2,751,426 (24.7%) 0.00 562
2021-04-01 $633,500 (-23.8%) $2,704,903 (34.7%) 0.00 539
2021-05-01 $630,000 (-21.2%) $2,611,550 (37.5%) 0.00 478
2021-06-01 $777,000 (-13.2%) $2,649,849 (34.7%) 0.00 502
2021-07-01 $895,000 (2.6%) $2,656,729 (31.3%) 0.00 524
2021-08-01 $995,000 (10.7%) $2,713,019 (20.5%) 0.00 505
2021-09-01 $931,000 (-1.0%) $2,597,152 (15.7%) 0.00 496
2021-10-01 $862,500 (-4.1%) $2,341,252 (-0.5%) 0.00 454
2021-11-01 $505,000 (-36.7%) $2,206,927 (-10.1%) 0.00 411
2021-12-01 $408,125 (-50.7%) $2,308,389 (-9.7%) 0.00 395
2022-01-01 $217,500 (-70.2%) $2,259,577 (-15.7%) 0.00 387
2022-02-01 $710,000 (6.1%) $2,333,289 (-16.5%) 0.00 397
2022-03-01 $850,000 (17.9%) $2,382,100 (-13.4%) 0.00 376
2022-04-01 $1,022,000 (61.3%) $2,245,878 (-17.0%) 0.00 381
2022-05-01 $1,120,000 (77.8%) $2,400,914 (-8.1%) 0.00 386
2022-06-01 $1,312,500 (68.9%) $2,371,904 (-10.5%) 0.00 447
2022-07-01 $1,350,000 (50.8%) $2,506,175 (-5.7%) 0.00 541
2022-08-01 $1,299,000 (30.6%) $2,473,606 (-8.8%) 0.00 535
2022-09-01 $1,295,000 (39.1%) $2,353,848 (-9.4%) 0.00 501
2022-10-01 $1,299,000 (50.6%) $2,351,252 (0.4%) 0.00 499
2022-11-01 $1,294,750 (156.4%) $2,486,213 (12.7%) 0.00 480
2022-12-01 $1,250,000 (206.3%) $2,580,825 (11.8%) 0.00 486
2023-01-01 $1,205,500 (454.3%) $2,606,478 (15.4%) 0.00 473
2023-02-01 $1,212,000 (70.7%) $2,662,477 (14.1%) 0.00 464
2023-03-01 $1,326,000 (56.0%) $2,750,287 (15.5%) 0.00 481
2023-04-01 $1,395,000 (36.5%) $2,805,980 (24.9%) 0.00 473
2023-05-01 $1,498,500 (33.8%) $2,844,209 (18.5%) 0.00 447
Edwards's median listing price for 2023-05-01 was $1,498,500, a difference of $378,500 (33.8%) versus the prior year and $103,500 versus the prior month.

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

Edwards's average listing price for 2023-05-01 was $2,844,209, a difference of $443,295 (18.5%) versus the prior year and $38,229 versus the prior month.

For the 2023-05-01 period, Edwards had 447 MLS listings, a difference of -26 listings (-5%) versus the prior month and 61 listings (16%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Edwards (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 0 days 1,882 sqft
2018-02-01 0 days 1,905 sqft
2018-03-01 0 days 1,900 sqft
2018-04-01 0 days 1,843 sqft
2018-05-01 0 days 1,837 sqft
2018-06-01 0 days 1,843 sqft
2018-07-01 0 days 1,893 sqft
2018-08-01 0 days 1,874 sqft
2018-09-01 0 days 1,825 sqft
2018-10-01 0 days 1,809 sqft
2018-11-01 0 days 1,805 sqft
2018-12-01 0 days 1,809 sqft
2019-01-01 0 days 1,818 sqft
2019-02-01 0 days 1,828 sqft
2019-03-01 0 days 1,817 sqft
2019-04-01 0 days 1,802 sqft
2019-05-01 0 days 1,826 sqft
2019-06-01 0 days 1,847 sqft
2019-07-01 0 days 1,894 sqft
2019-08-01 0 days 1,889 sqft
2019-09-01 0 days 1,890 sqft
2019-10-01 0 days 1,884 sqft
2019-11-01 0 days 1,861 sqft
2019-12-01 0 days 1,813 sqft
2020-01-01 0 days 1,803 sqft
2020-02-01 0 days 1,846 sqft
2020-03-01 0 days 1,810 sqft
2020-04-01 0 days 1,749 sqft
2020-05-01 0 days 1,787 sqft
2020-06-01 0 days 1,800 sqft
2020-07-01 0 days 1,800 sqft
2020-08-01 0 days 1,737 sqft
2020-09-01 0 days 1,703 sqft
2020-10-01 0 days 1,705 sqft
2020-11-01 0 days 1,688 sqft
2020-12-01 0 days 1,691 sqft
2021-01-01 0 days 1,698 sqft
2021-02-01 0 days 1,726 sqft
2021-03-01 0 days 1,733 sqft
2021-04-01 0 days 1,783 sqft
2021-05-01 0 days 1,800 sqft
2021-06-01 0 days 1,817 sqft
2021-07-01 0 days 1,875 sqft
2021-08-01 0 days 1,885 sqft
2021-09-01 0 days 1,881 sqft
2021-10-01 0 days 1,874 sqft
2021-11-01 0 days 1,744 sqft
2021-12-01 0 days 1,696 sqft
2022-01-01 0 days 1,600 sqft
2022-02-01 0 days 1,637 sqft
2022-03-01 0 days 1,672 sqft
2022-04-01 0 days 1,670 sqft
2022-05-01 0 days 1,722 sqft
2022-06-01 0 days 1,810 sqft
2022-07-01 0 days 1,883 sqft
2022-08-01 0 days 1,835 sqft
2022-09-01 0 days 1,801 sqft
2022-10-01 0 days 1,825 sqft
2022-11-01 0 days 1,794 sqft
2022-12-01 0 days 1,775 sqft
2023-01-01 0 days 1,780 sqft
2023-02-01 0 days 1,776 sqft
2023-03-01 0 days 1,787 sqft
2023-04-01 0 days 1,780 sqft
2023-05-01 0 days 1,782 sqft
Edwards's median listing age (time on market) for 2023-05-01 was 0 days.

Edwards's median square footage for active listings during the 2023-05-01 period was 1,782 sqft. One year prior, the average listing was 1,722 sqft.