Edwards USDA Loan Rates, Closing Costs & Stats

Edwards, CO

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.