Edwards USDA Loan Rates, Closing Costs & Stats

Edwards, 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.

    Edwards USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Edwards averaged 6.48% for the week of 2025-05-23, compared to the national average (all USDA variants) of 6.433% for the same period.

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

    The average rate for the prior week (2025-05-16) was 6.71% and one month ago for the week of 2025-04-18, the average rate was 6.8%.

    The average rate one year ago was 6.67%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.24%.

    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 2024 Avg. 30yFix Rate 2024 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 (-0.1%) $1,911,210 (-1.5%) 0.00 908
    2018-02-01 $884,000 (4.6%) $1,963,516 (3.1%) 0.00 875
    2018-03-01 $849,000 (-0.3%) $1,899,243 (-3.1%) 0.00 937
    2018-04-01 $824,000 (3.1%) $1,847,102 (-3.5%) 0.00 920
    2018-05-01 $788,500 (-6.2%) $1,727,377 (-7.8%) 0.00 934
    2018-06-01 $799,000 (-4.3%) $1,728,154 (-5.8%) 0.00 998
    2018-07-01 $838,750 (-1.2%) $1,861,425 (-2.3%) 0.00 1,098
    2018-08-01 $799,725 (-5.8%) $1,885,197 (-2.7%) 0.00 1,091
    2018-09-01 $799,000 (-9.1%) $1,897,011 (-6.1%) 0.00 1,039
    2018-10-01 $777,450 (-10.6%) $1,885,980 (-7.5%) 0.00 994
    2018-11-01 $770,000 (-9.3%) $1,908,391 (-6.1%) 0.00 971
    2018-12-01 $799,000 (-7.4%) $1,997,448 (2.0%) 0.00 978
    2019-01-01 $827,000 (-2.6%) $1,987,543 (4.0%) 0.00 977
    2019-02-01 $875,000 (-1.0%) $2,006,267 (2.2%) 0.00 974
    2019-03-01 $815,000 (-4.0%) $1,904,154 (0.3%) 0.00 978
    2019-04-01 $749,500 (-9.0%) $1,813,196 (-1.8%) 0.00 982
    2019-05-01 $739,000 (-6.3%) $1,814,999 (5.1%) 0.00 938
    2019-06-01 $804,750 (0.7%) $1,818,694 (5.2%) 0.00 1,045
    2019-07-01 $857,500 (2.2%) $1,988,008 (6.8%) 0.00 1,121
    2019-08-01 $832,818 (4.1%) $1,993,658 (5.8%) 0.00 1,082
    2019-09-01 $811,545 (1.6%) $2,011,276 (6.0%) 0.00 1,029
    2019-10-01 $787,500 (1.3%) $2,023,022 (7.3%) 0.00 987
    2019-11-01 $769,000 (-0.1%) $2,018,132 (5.8%) 0.00 964
    2019-12-01 $911,250 (14.1%) $2,103,106 (5.3%) 0.00 963
    2020-01-01 $923,750 (11.7%) $2,191,441 (10.3%) 0.00 905
    2020-02-01 $945,000 (8.0%) $2,223,509 (10.8%) 0.00 884
    2020-03-01 $942,000 (15.6%) $2,206,272 (15.9%) 0.00 921
    2020-04-01 $834,725 (11.4%) $2,007,808 (10.7%) 0.00 895
    2020-05-01 $799,000 (8.1%) $1,899,366 (4.7%) 0.00 890
    2020-06-01 $895,000 (11.2%) $1,967,139 (8.2%) 0.00 904
    2020-07-01 $872,500 (1.8%) $2,025,469 (1.9%) 0.00 918
    2020-08-01 $899,000 (8.0%) $2,255,387 (13.1%) 0.00 891
    2020-09-01 $945,000 (16.4%) $2,247,924 (11.8%) 0.00 809
    2020-10-01 $899,000 (14.2%) $2,355,744 (16.5%) 0.00 726
    2020-11-01 $799,000 (3.9%) $2,456,814 (21.7%) 0.00 690
    2020-12-01 $854,500 (-6.2%) $2,557,169 (21.6%) 0.00 649
    2021-01-01 $736,000 (-20.3%) $2,685,390 (22.5%) 0.00 607
    2021-02-01 $689,000 (-27.1%) $2,794,113 (25.7%) 0.00 579
    2021-03-01 $737,750 (-21.7%) $2,752,464 (24.8%) 0.00 562
    2021-04-01 $638,500 (-23.5%) $2,706,515 (34.8%) 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 $867,000 (-0.6%) $2,660,797 (31.4%) 0.00 521
    2021-08-01 $992,500 (10.4%) $2,717,159 (20.5%) 0.00 502
    2021-09-01 $917,000 (-3.0%) $2,600,401 (15.7%) 0.00 491
    2021-10-01 $847,500 (-5.7%) $2,341,706 (-0.6%) 0.00 450
    2021-11-01 $486,889 (-39.1%) $2,209,980 (-10.1%) 0.00 407
    2021-12-01 $311,500 (-63.6%) $2,315,133 (-9.5%) 0.00 388
    2022-01-01 $165,000 (-77.6%) $2,266,562 (-15.6%) 0.00 368
    2022-02-01 $562,500 (-18.4%) $2,349,006 (-15.9%) 0.00 376
    2022-03-01 $575,000 (-22.1%) $2,395,880 (-13.0%) 0.00 353
    2022-04-01 $778,000 (21.9%) $2,246,707 (-17.0%) 0.00 359
    2022-05-01 $975,500 (54.8%) $2,419,656 (-7.4%) 0.00 364
    2022-06-01 $1,193,000 (53.5%) $2,396,532 (-9.6%) 0.00 425
    2022-07-01 $1,247,500 (43.9%) $2,525,026 (-5.1%) 0.00 520
    2022-08-01 $1,199,500 (20.9%) $2,488,760 (-8.4%) 0.00 512
    2022-09-01 $1,195,000 (30.3%) $2,373,993 (-8.7%) 0.00 470
    2022-10-01 $1,200,000 (41.6%) $2,371,560 (1.3%) 0.00 468
    2022-11-01 $1,200,000 (146.5%) $2,508,531 (13.5%) 0.00 450
    2022-12-01 $1,162,500 (273.2%) $2,611,515 (12.8%) 0.00 456
    2023-01-01 $987,500 (498.5%) $2,637,225 (16.4%) 0.00 444
    2023-02-01 $1,011,450 (79.8%) $2,692,430 (14.6%) 0.00 435
    2023-03-01 $1,212,500 (110.9%) $2,782,887 (16.2%) 0.00 452
    2023-04-01 $1,299,500 (67.0%) $2,838,025 (26.3%) 0.00 446
    2023-05-01 $1,325,000 (35.8%) $2,866,594 (18.5%) 0.00 423
    2023-06-01 $1,341,000 (12.4%) $2,777,279 (15.9%) 0.00 463
    2023-07-01 $1,589,000 (27.4%) $2,966,314 (17.5%) 0.00 518
    2023-08-01 $1,573,750 (31.2%) $2,898,354 (16.5%) 0.00 550
    2023-09-01 $1,450,000 (21.3%) $2,896,608 (22.0%) 0.00 520
    2023-10-01 $1,331,125 (10.9%) $2,796,342 (17.9%) 0.00 513
    2023-11-01 $1,235,000 (2.9%) $2,801,007 (11.7%) 0.00 501
    2023-12-01 $1,250,000 (7.5%) $2,826,035 (8.2%) 0.00 518
    2024-01-01 $1,160,000 (17.5%) $2,871,458 (8.9%) 0.00 517
    2024-02-01 $1,168,750 (15.6%) $2,954,569 (9.7%) 0.00 524
    2024-03-01 $1,125,000 (-7.2%) $2,834,477 (1.9%) 0.00 537
    2024-04-01 $913,750 (-29.7%) $2,674,762 (-5.8%) 0.00 541
    2024-05-01 $827,500 (-37.6%) $2,495,614 (-12.9%) 0.00 517
    2024-06-01 $995,450 (-25.8%) $2,539,020 (-8.6%) 0.00 602
    2024-07-01 $1,162,500 (-26.8%) $2,620,190 (-11.7%) 0.00 669
    2024-08-01 $1,083,500 (-31.2%) $2,530,293 (-12.7%) 0.00 678
    2024-09-01 $991,000 (-31.7%) $2,325,378 (-19.7%) 0.00 691
    2024-10-01 $885,950 (-33.4%) $2,067,634 (-26.1%) 0.00 668
    2024-11-01 $786,489 (-36.3%) $2,086,606 (-25.5%) 0.00 640
    2024-12-01 $753,676 (-39.7%) $2,179,593 (-22.9%) 0.00 659
    2025-01-01 $753,738 (-35.0%) $2,173,647 (-24.3%) 0.00 683
    2025-02-01 $758,351 (-35.1%) $2,219,064 (-24.9%) 0.00 728
    2025-03-01 $786,489 (-30.1%) $2,033,163 (-28.3%) 0.00 778
    2025-04-01 $786,489 (-13.9%) $1,994,732 (-25.4%) 0.00 797
    Edwards's median listing price for 2025-04-01 was $786,489, a difference of $-127,261 (-13.9%) versus the prior year and $0 versus the prior month.

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

    Edwards's average listing price for 2025-04-01 was $1,994,732, a difference of $-680,030 (-25.4%) versus the prior year and $-38,431 versus the prior month.

    For the 2025-04-01 period, Edwards had 797 MLS listings, a difference of 19 listings (2%) versus the prior month and 256 listings (47%) 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 1,883 sqft
    2018-02-01 0 days 1,905 sqft
    2018-03-01 0 days 1,896 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 1,828 sqft
    2018-10-01 0 days 1,812 sqft
    2018-11-01 0 days 1,812 sqft
    2018-12-01 0 days 1,812 sqft
    2019-01-01 0 days 1,824 sqft
    2019-02-01 0 days 1,838 sqft
    2019-03-01 0 days 1,823 sqft
    2019-04-01 0 days 1,805 sqft
    2019-05-01 0 days 1,839 sqft
    2019-06-01 0 days 1,860 sqft
    2019-07-01 0 days 1,901 sqft
    2019-08-01 0 days 1,897 sqft
    2019-09-01 0 days 1,894 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 1,806 sqft
    2020-02-01 0 days 1,847 sqft
    2020-03-01 0 days 1,818 sqft
    2020-04-01 0 days 1,755 sqft
    2020-05-01 0 days 1,791 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 1,705 sqft
    2020-10-01 0 days 1,706 sqft
    2020-11-01 0 days 1,690 sqft
    2020-12-01 0 days 1,697 sqft
    2021-01-01 0 days 1,704 sqft
    2021-02-01 0 days 1,729 sqft
    2021-03-01 0 days 1,744 sqft
    2021-04-01 0 days 1,784 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 1,877 sqft
    2021-10-01 0 days 1,862 sqft
    2021-11-01 0 days 1,721 sqft
    2021-12-01 0 days 1,657 sqft
    2022-01-01 0 days 1,600 sqft
    2022-02-01 0 days 1,635 sqft
    2022-03-01 0 days 1,642 sqft
    2022-04-01 0 days 1,637 sqft
    2022-05-01 0 days 1,705 sqft
    2022-06-01 0 days 1,814 sqft
    2022-07-01 0 days 1,885 sqft
    2022-08-01 0 days 1,835 sqft
    2022-09-01 0 days 1,814 sqft
    2022-10-01 0 days 1,840 sqft
    2022-11-01 0 days 1,800 sqft
    2022-12-01 0 days 1,787 sqft
    2023-01-01 0 days 1,792 sqft
    2023-02-01 0 days 1,787 sqft
    2023-03-01 0 days 1,797 sqft
    2023-04-01 0 days 1,787 sqft
    2023-05-01 0 days 1,797 sqft
    2023-06-01 0 days 1,793 sqft
    2023-07-01 0 days 1,846 sqft
    2023-08-01 0 days 1,877 sqft
    2023-09-01 0 days 1,806 sqft
    2023-10-01 0 days 1,717 sqft
    2023-11-01 0 days 1,627 sqft
    2023-12-01 0 days 1,643 sqft
    2024-01-01 0 days 1,611 sqft
    2024-02-01 0 days 1,615 sqft
    2024-03-01 0 days 1,644 sqft
    2024-04-01 0 days 1,620 sqft
    2024-05-01 0 days 1,602 sqft
    2024-06-01 0 days 1,635 sqft
    2024-07-01 0 days 1,626 sqft
    2024-08-01 0 days 1,585 sqft
    2024-09-01 0 days 1,570 sqft
    2024-10-01 0 days 1,570 sqft
    2024-11-01 0 days 1,570 sqft
    2024-12-01 0 days 1,549 sqft
    2025-01-01 0 days 1,516 sqft
    2025-02-01 0 days 1,477 sqft
    2025-03-01 0 days 1,473 sqft
    2025-04-01 0 days 1,478 sqft
    Edwards's median listing age (time on market) for 2025-04-01 was 0 days.

    Edwards's median square footage for active listings during the 2025-04-01 period was 1,478 sqft. One year prior, the average listing was 1,620 sqft.