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 6.38% for the week of 2024-07-19, compared to the national average (all USDA variants) of 6.628% for the same period.

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

The average rate for the prior week (2024-07-12) was 6.5% and one month ago for the week of 2024-06-14, the average rate was 6.83%.

The average rate one year ago was 6.68%.

For refis of the same type during the week of 2024-07-19, the average rate was 6.83%.

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 2023 Avg. 30yFix Rate 2023 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%) $1,914,219 (-1.6%) 0.00 906
2018-02-01 $885,500 (4.6%) $1,966,033 (2.9%) 0.00 872
2018-03-01 $849,000 (-0.6%) $1,904,156 (-3.3%) 0.00 934
2018-04-01 $828,250 (-0.5%) $1,856,221 (-3.6%) 0.00 913
2018-05-01 $795,000 (-6.5%) $1,739,127 (-7.8%) 0.00 924
2018-06-01 $800,000 (-5.2%) $1,738,966 (-5.8%) 0.00 990
2018-07-01 $842,000 (-0.9%) $1,868,043 (-2.4%) 0.00 1,091
2018-08-01 $820,500 (-3.6%) $1,894,569 (-2.8%) 0.00 1,082
2018-09-01 $799,000 (-9.1%) $1,905,271 (-6.0%) 0.00 1,032
2018-10-01 $781,500 (-10.3%) $1,898,909 (-7.1%) 0.00 982
2018-11-01 $772,500 (-9.1%) $1,921,063 (-5.7%) 0.00 961
2018-12-01 $809,000 (-6.2%) $2,009,458 (2.5%) 0.00 968
2019-01-01 $832,000 (-2.0%) $1,997,965 (4.4%) 0.00 967
2019-02-01 $875,000 (-1.2%) $2,016,577 (2.6%) 0.00 966
2019-03-01 $815,000 (-4.0%) $1,910,808 (0.4%) 0.00 971
2019-04-01 $749,500 (-9.5%) $1,818,463 (-2.0%) 0.00 976
2019-05-01 $739,000 (-7.0%) $1,819,004 (4.6%) 0.00 932
2019-06-01 $799,500 (-0.1%) $1,821,479 (4.7%) 0.00 1,038
2019-07-01 $856,000 (1.7%) $1,990,456 (6.6%) 0.00 1,115
2019-08-01 $829,727 (1.1%) $1,994,548 (5.3%) 0.00 1,078
2019-09-01 $806,818 (1.0%) $2,010,857 (5.5%) 0.00 1,026
2019-10-01 $784,000 (0.3%) $2,021,730 (6.5%) 0.00 985
2019-11-01 $765,000 (-1.0%) $2,018,264 (5.1%) 0.00 958
2019-12-01 $903,250 (11.7%) $2,104,988 (4.8%) 0.00 957
2020-01-01 $915,000 (10.0%) $2,207,643 (10.5%) 0.00 888
2020-02-01 $940,000 (7.4%) $2,238,507 (11.0%) 0.00 869
2020-03-01 $935,000 (14.7%) $2,216,935 (16.0%) 0.00 909
2020-04-01 $831,500 (10.9%) $2,017,608 (11.0%) 0.00 882
2020-05-01 $799,000 (8.1%) $1,907,455 (4.9%) 0.00 877
2020-06-01 $895,000 (11.9%) $1,976,877 (8.5%) 0.00 890
2020-07-01 $867,450 (1.3%) $2,036,928 (2.3%) 0.00 903
2020-08-01 $899,000 (8.4%) $2,274,074 (14.0%) 0.00 875
2020-09-01 $940,000 (16.5%) $2,269,453 (12.9%) 0.00 795
2020-10-01 $899,000 (14.7%) $2,370,913 (17.3%) 0.00 724
2020-11-01 $797,000 (4.2%) $2,457,854 (21.8%) 0.00 689
2020-12-01 $827,000 (-8.4%) $2,558,423 (21.5%) 0.00 648
2021-01-01 $736,000 (-19.6%) $2,685,006 (21.6%) 0.00 607
2021-02-01 $679,000 (-27.8%) $2,795,539 (24.9%) 0.00 578
2021-03-01 $733,000 (-21.6%) $2,754,484 (24.3%) 0.00 561
2021-04-01 $638,500 (-23.2%) $2,713,611 (34.5%) 0.00 537
2021-05-01 $625,000 (-21.8%) $2,623,415 (37.5%) 0.00 475
2021-06-01 $756,250 (-15.5%) $2,660,852 (34.6%) 0.00 498
2021-07-01 $860,000 (-0.9%) $2,678,953 (31.5%) 0.00 515
2021-08-01 $990,000 (10.1%) $2,745,860 (20.8%) 0.00 493
2021-09-01 $896,000 (-4.7%) $2,619,291 (15.4%) 0.00 485
2021-10-01 $842,500 (-6.3%) $2,357,168 (-0.6%) 0.00 444
2021-11-01 $446,500 (-44.0%) $2,224,130 (-9.5%) 0.00 400
2021-12-01 $292,500 (-64.6%) $2,321,772 (-9.3%) 0.00 385
2022-01-01 $160,000 (-78.3%) $2,273,529 (-15.3%) 0.00 364
2022-02-01 $524,500 (-22.8%) $2,356,251 (-15.7%) 0.00 372
2022-03-01 $537,500 (-26.7%) $2,404,470 (-12.7%) 0.00 349
2022-04-01 $750,000 (17.5%) $2,253,141 (-17.0%) 0.00 354
2022-05-01 $935,500 (49.7%) $2,440,927 (-7.0%) 0.00 355
2022-06-01 $1,172,500 (55.0%) $2,406,153 (-9.6%) 0.00 416
2022-07-01 $1,245,000 (44.8%) $2,530,774 (-5.5%) 0.00 512
2022-08-01 $1,199,000 (21.1%) $2,488,940 (-9.4%) 0.00 505
2022-09-01 $1,131,000 (26.2%) $2,371,107 (-9.5%) 0.00 463
2022-10-01 $1,200,000 (42.4%) $2,363,213 (0.3%) 0.00 463
2022-11-01 $1,199,750 (168.7%) $2,508,861 (12.8%) 0.00 449
2022-12-01 $1,100,000 (276.1%) $2,616,885 (12.7%) 0.00 453
2023-01-01 $962,500 (501.6%) $2,642,903 (16.3%) 0.00 441
2023-02-01 $998,750 (90.4%) $2,695,979 (14.4%) 0.00 433
2023-03-01 $1,200,000 (123.3%) $2,786,741 (15.9%) 0.00 450
2023-04-01 $1,297,000 (72.9%) $2,842,099 (26.1%) 0.00 444
2023-05-01 $1,312,500 (40.3%) $2,870,931 (17.6%) 0.00 421
2023-06-01 $1,328,750 (13.3%) $2,780,943 (15.6%) 0.00 461
2023-07-01 $1,575,000 (26.5%) $2,969,884 (17.4%) 0.00 512
2023-08-01 $1,553,500 (29.6%) $2,902,748 (16.6%) 0.00 541
2023-09-01 $1,450,000 (28.2%) $2,899,279 (22.3%) 0.00 519
2023-10-01 $1,337,250 (11.4%) $2,796,342 (18.3%) 0.00 512
2023-11-01 $1,235,000 (2.9%) $2,801,007 (11.6%) 0.00 501
2023-12-01 $1,250,000 (13.6%) $2,826,035 (8.0%) 0.00 518
2024-01-01 $1,160,000 (20.5%) $2,871,458 (8.7%) 0.00 517
2024-02-01 $1,168,750 (17.0%) $2,954,569 (9.6%) 0.00 524
2024-03-01 $1,125,000 (-6.3%) $2,834,477 (1.7%) 0.00 537
2024-04-01 $913,750 (-29.6%) $2,674,762 (-5.9%) 0.00 541
2024-05-01 $825,000 (-37.1%) $2,491,055 (-13.2%) 0.00 517
2024-06-01 $975,000 (-26.6%) $2,526,131 (-9.2%) 0.00 600
Edwards's median listing price for 2024-06-01 was $975,000, a difference of $-353,750 (-26.6%) versus the prior year and $150,000 versus the prior month.

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

Edwards's average listing price for 2024-06-01 was $2,526,131, a difference of $-254,812 (-9.2%) versus the prior year and $35,076 versus the prior month.

For the 2024-06-01 period, Edwards had 600 MLS listings, a difference of 83 listings (16%) versus the prior month and 139 listings (30%) 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 1,900 sqft
2018-04-01 0 days 1,844 sqft
2018-05-01 0 days 1,844 sqft
2018-06-01 0 days 1,847 sqft
2018-07-01 0 days 1,899 sqft
2018-08-01 0 days 1,878 sqft
2018-09-01 0 days 1,843 sqft
2018-10-01 0 days 1,820 sqft
2018-11-01 0 days 1,821 sqft
2018-12-01 0 days 1,822 sqft
2019-01-01 0 days 1,829 sqft
2019-02-01 0 days 1,842 sqft
2019-03-01 0 days 1,825 sqft
2019-04-01 0 days 1,805 sqft
2019-05-01 0 days 1,839 sqft
2019-06-01 0 days 1,857 sqft
2019-07-01 0 days 1,900 sqft
2019-08-01 0 days 1,896 sqft
2019-09-01 0 days 1,891 sqft
2019-10-01 0 days 1,881 sqft
2019-11-01 0 days 1,869 sqft
2019-12-01 0 days 1,804 sqft
2020-01-01 0 days 1,810 sqft
2020-02-01 0 days 1,855 sqft
2020-03-01 0 days 1,823 sqft
2020-04-01 0 days 1,760 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 1,749 sqft
2020-09-01 0 days 1,708 sqft
2020-10-01 0 days 1,725 sqft
2020-11-01 0 days 1,691 sqft
2020-12-01 0 days 1,697 sqft
2021-01-01 0 days 1,705 sqft
2021-02-01 0 days 1,727 sqft
2021-03-01 0 days 1,743 sqft
2021-04-01 0 days 1,784 sqft
2021-05-01 0 days 1,803 sqft
2021-06-01 0 days 1,820 sqft
2021-07-01 0 days 1,875 sqft
2021-08-01 0 days 1,885 sqft
2021-09-01 0 days 1,875 sqft
2021-10-01 0 days 1,834 sqft
2021-11-01 0 days 1,704 sqft
2021-12-01 0 days 1,647 sqft
2022-01-01 0 days 1,600 sqft
2022-02-01 0 days 1,625 sqft
2022-03-01 0 days 1,637 sqft
2022-04-01 0 days 1,627 sqft
2022-05-01 0 days 1,705 sqft
2022-06-01 0 days 1,811 sqft
2022-07-01 0 days 1,896 sqft
2022-08-01 0 days 1,837 sqft
2022-09-01 0 days 1,810 sqft
2022-10-01 0 days 1,840 sqft
2022-11-01 0 days 1,800 sqft
2022-12-01 0 days 1,785 sqft
2023-01-01 0 days 1,789 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 1,800 sqft
2023-10-01 0 days 1,727 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 1,627 sqft
Edwards's median listing age (time on market) for 2024-06-01 was 0 days.

Edwards's median square footage for active listings during the 2024-06-01 period was 1,627 sqft. One year prior, the average listing was 1,793 sqft.