Fort Collins USDA Loan Rates, Closing Costs & Stats

FORT COLLINS, 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.

    Fort Collins USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Fort Collins averaged 6.3% for the week of 2025-07-11, compared to the national average (all USDA variants) of 6.449% for the same period.

    Fort Collins's average USDA mortgage closing costs are $7,410.

    The average rate for the prior week (2025-07-04) was 6.21% and one month ago for the week of 2025-06-06, the average rate was 6.51%.

    The average rate one year ago was 6.49%.

    For refis of the same type during the week of 2025-07-11, the average rate was 6.26%.

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

    Fort Collins 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 Fort Collins level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Fort Collins (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 $469,950 (6.7%) $578,375 (4.6%) 1.74 827
    2018-02-01 $473,815 (5.6%) $593,184 (4.9%) 1.72 811
    2018-03-01 $479,000 (6.5%) $613,146 (9.0%) 1.68 860
    2018-04-01 $491,200 (9.2%) $621,106 (12.3%) 1.67 905
    2018-05-01 $490,966 (8.1%) $616,989 (10.5%) 1.64 1,057
    2018-06-01 $481,675 (4.9%) $610,600 (6.7%) 1.61 1,157
    2018-07-01 $482,473 (6.7%) $604,629 (4.9%) 1.61 1,261
    2018-08-01 $466,475 (3.7%) $588,416 (3.0%) 1.56 1,326
    2018-09-01 $465,000 (3.3%) $588,612 (3.5%) 1.56 1,349
    2018-10-01 $454,496 (-0.1%) $578,446 (1.0%) 1.54 1,296
    2018-11-01 $449,063 (-2.1%) $570,267 (0.5%) 1.52 1,256
    2018-12-01 $439,945 (-5.4%) $563,078 (-2.4%) 1.52 1,129
    2019-01-01 $439,950 (-6.4%) $555,245 (-4.0%) 1.52 1,045
    2019-02-01 $441,400 (-6.8%) $553,575 (-6.7%) 1.49 1,042
    2019-03-01 $447,143 (-6.7%) $563,317 (-8.1%) 1.46 1,022
    2019-04-01 $451,200 (-8.1%) $571,456 (-8.0%) 1.43 1,035
    2019-05-01 $452,450 (-7.8%) $573,778 (-7.0%) 1.41 1,164
    2019-06-01 $444,000 (-7.8%) $558,200 (-8.6%) 1.39 1,382
    2019-07-01 $437,291 (-9.4%) $558,298 (-7.7%) 1.37 1,535
    2019-08-01 $433,713 (-7.0%) $554,263 (-5.8%) 1.37 1,509
    2019-09-01 $431,782 (-7.1%) $552,094 (-6.2%) 1.38 1,470
    2019-10-01 $430,495 (-5.3%) $551,520 (-4.7%) 1.39 1,425
    2019-11-01 $430,582 (-4.1%) $552,315 (-3.2%) 1.41 1,304
    2019-12-01 $433,127 (-1.6%) $553,131 (-1.8%) 1.44 1,128
    2020-01-01 $439,239 (-0.2%) $565,759 (1.9%) 1.47 1,009
    2020-02-01 $449,900 (1.9%) $571,034 (3.2%) 1.47 966
    2020-03-01 $451,767 (1.0%) $575,737 (2.2%) 1.42 975
    2020-04-01 $451,767 (0.1%) $584,953 (2.4%) 1.42 1,125
    2020-05-01 $460,000 (1.7%) $588,524 (2.6%) 1.40 1,289
    2020-06-01 $471,903 (6.3%) $599,742 (7.4%) 1.39 1,216
    2020-07-01 $469,125 (7.3%) $596,220 (6.8%) 1.36 1,150
    2020-08-01 $469,700 (8.3%) $602,305 (8.7%) 1.35 1,035
    2020-09-01 $464,595 (7.6%) $608,064 (10.1%) 1.33 930
    2020-10-01 $472,981 (9.9%) $615,561 (11.6%) 1.36 800
    2020-11-01 $473,000 (9.9%) $619,478 (12.2%) 1.38 730
    2020-12-01 $474,764 (9.6%) $624,630 (12.9%) 1.41 648
    2021-01-01 $478,326 (8.9%) $644,327 (13.9%) 1.43 489
    2021-02-01 $494,450 (9.9%) $695,991 (21.9%) 1.44 433
    2021-03-01 $518,028 (14.7%) $712,504 (23.8%) 1.47 377
    2021-04-01 $499,950 (10.7%) $694,158 (18.7%) 1.35 378
    2021-05-01 $545,130 (18.5%) $707,717 (20.3%) 1.45 376
    2021-06-01 $533,426 (13.0%) $697,139 (16.2%) 1.40 474
    2021-07-01 $549,000 (17.0%) $696,591 (16.8%) 1.45 554
    2021-08-01 $544,900 (16.0%) $690,411 (14.6%) 1.45 600
    2021-09-01 $544,900 (17.3%) $686,903 (13.0%) 1.45 590
    2021-10-01 $555,000 (17.3%) $707,612 (15.0%) 1.48 544
    2021-11-01 $563,879 (19.2%) $713,387 (15.2%) 1.51 430
    2021-12-01 $510,765 (7.6%) $625,795 (0.2%) 1.38 988
    2022-01-01 $604,245 (26.3%) $790,142 (22.6%) 1.63 262
    2022-02-01 $598,950 (21.1%) $832,905 (19.7%) 1.56 226
    2022-03-01 $606,250 (17.0%) $833,754 (17.0%) 1.52 246
    2022-04-01 $600,000 (20.0%) $809,965 (16.7%) 1.43 326
    2022-05-01 $625,050 (14.7%) $800,924 (13.2%) 1.43 504
    2022-06-01 $627,450 (17.6%) $794,139 (13.9%) 1.40 670
    2022-07-01 $635,750 (15.8%) $781,926 (12.3%) 1.43 828
    2022-08-01 $636,500 (16.8%) $809,283 (17.2%) 1.47 839
    2022-09-01 $621,100 (14.0%) $786,034 (14.4%) 1.45 881
    2022-10-01 $611,875 (10.3%) $785,467 (11.0%) 1.44 894
    2022-11-01 $585,000 (3.8%) $755,054 (5.8%) 1.41 901
    2022-12-01 $584,990 (14.5%) $756,466 (20.9%) 1.44 739
    2023-01-01 $587,000 (-2.9%) $765,428 (-3.1%) 1.45 627
    2023-02-01 $583,906 (-2.5%) $750,127 (-9.9%) 1.41 609
    2023-03-01 $603,720 (-0.4%) $774,913 (-7.1%) 1.42 610
    2023-04-01 $615,495 (2.6%) $803,381 (-0.8%) 1.43 645
    2023-05-01 $636,883 (1.9%) $812,710 (1.5%) 1.44 803
    2023-06-01 $643,300 (2.5%) $823,565 (3.7%) 1.45 940
    2023-07-01 $640,000 (0.7%) $820,271 (4.9%) 1.45 1,048
    2023-08-01 $627,473 (-1.4%) $800,228 (-1.1%) 1.44 1,088
    2023-09-01 $625,000 (0.6%) $809,244 (3.0%) 1.46 1,065
    2023-10-01 $619,968 (1.3%) $818,458 (4.2%) 1.46 1,092
    2023-11-01 $609,998 (4.3%) $819,783 (8.6%) 1.45 1,016
    2023-12-01 $600,000 (2.6%) $821,828 (8.6%) 1.46 845
    2024-01-01 $616,475 (5.0%) $813,376 (6.3%) 1.51 741
    2024-02-01 $619,470 (6.1%) $820,452 (9.4%) 1.49 729
    2024-03-01 $655,000 (8.5%) $844,054 (8.9%) 1.54 736
    2024-04-01 $649,375 (5.5%) $838,008 (4.3%) 1.51 835
    2024-05-01 $649,975 (2.1%) $835,826 (2.8%) 1.48 993
    2024-06-01 $630,000 (-2.1%) $812,823 (-1.3%) 1.43 1,188
    2024-07-01 $618,000 (-3.4%) $788,355 (-3.9%) 1.41 1,334
    2024-08-01 $604,950 (-3.6%) $791,358 (-1.1%) 1.41 1,467
    2024-09-01 $599,950 (-4.0%) $794,466 (-1.8%) 1.41 1,529
    2024-10-01 $599,970 (-3.2%) $794,255 (-3.0%) 1.41 1,485
    2024-11-01 $599,000 (-1.8%) $793,362 (-3.2%) 1.44 1,363
    2024-12-01 $593,750 (-1.0%) $794,136 (-3.4%) 1.48 1,102
    2025-01-01 $582,438 (-5.5%) $792,164 (-2.6%) 1.45 982
    2025-02-01 $589,750 (-4.8%) $812,255 (-1.0%) 1.43 1,002
    2025-03-01 $599,000 (-8.6%) $807,422 (-4.3%) 1.41 1,136
    2025-04-01 $600,000 (-7.6%) $797,444 (-4.8%) 1.39 1,323
    2025-05-01 $615,000 (-5.4%) $801,780 (-4.1%) 1.40 1,568
    2025-06-01 $618,500 (-1.8%) $808,735 (-0.5%) 1.40 1,771
    Fort Collins's median listing price for 2025-06-01 was $618,500, a difference of $-11,500 (-1.8%) versus the prior year and $3,500 versus the prior month.

    Fort Collins's median listing price comes in at 140% of the national average.

    Fort Collins's average listing price for 2025-06-01 was $808,735, a difference of $-4,088 (-0.5%) versus the prior year and $6,955 versus the prior month.

    For the 2025-06-01 period, Fort Collins had 1,771 MLS listings, a difference of 203 listings (13%) versus the prior month and 583 listings (49%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Fort Collins (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 85 days 3,007 sqft
    2018-02-01 59 days 2,976 sqft
    2018-03-01 45 days 3,031 sqft
    2018-04-01 41 days 3,013 sqft
    2018-05-01 36 days 2,895 sqft
    2018-06-01 37 days 2,839 sqft
    2018-07-01 43 days 2,826 sqft
    2018-08-01 45 days 2,795 sqft
    2018-09-01 50 days 2,786 sqft
    2018-10-01 54 days 2,745 sqft
    2018-11-01 57 days 2,735 sqft
    2018-12-01 69 days 2,696 sqft
    2019-01-01 66 days 2,608 sqft
    2019-02-01 55 days 2,664 sqft
    2019-03-01 48 days 2,687 sqft
    2019-04-01 43 days 2,755 sqft
    2019-05-01 37 days 2,796 sqft
    2019-06-01 37 days 2,696 sqft
    2019-07-01 40 days 2,684 sqft
    2019-08-01 47 days 2,607 sqft
    2019-09-01 53 days 2,596 sqft
    2019-10-01 57 days 2,589 sqft
    2019-11-01 60 days 2,594 sqft
    2019-12-01 71 days 2,663 sqft
    2020-01-01 74 days 2,663 sqft
    2020-02-01 60 days 2,695 sqft
    2020-03-01 44 days 2,700 sqft
    2020-04-01 44 days 2,690 sqft
    2020-05-01 46 days 2,741 sqft
    2020-06-01 40 days 2,745 sqft
    2020-07-01 40 days 2,730 sqft
    2020-08-01 40 days 2,720 sqft
    2020-09-01 44 days 2,638 sqft
    2020-10-01 44 days 2,580 sqft
    2020-11-01 52 days 2,517 sqft
    2020-12-01 59 days 2,521 sqft
    2021-01-01 73 days 2,490 sqft
    2021-02-01 40 days 2,489 sqft
    2021-03-01 49 days 2,541 sqft
    2021-04-01 45 days 2,418 sqft
    2021-05-01 33 days 2,557 sqft
    2021-06-01 30 days 2,481 sqft
    2021-07-01 37 days 2,493 sqft
    2021-08-01 32 days 2,476 sqft
    2021-09-01 36 days 2,480 sqft
    2021-10-01 37 days 2,466 sqft
    2021-11-01 44 days 2,501 sqft
    2021-12-01 59 days 2,396 sqft
    2022-01-01 50 days 2,600 sqft
    2022-02-01 29 days 2,470 sqft
    2022-03-01 25 days 2,516 sqft
    2022-04-01 18 days 2,529 sqft
    2022-05-01 17 days 2,519 sqft
    2022-06-01 23 days 2,607 sqft
    2022-07-01 27 days 2,648 sqft
    2022-08-01 36 days 2,651 sqft
    2022-09-01 39 days 2,571 sqft
    2022-10-01 44 days 2,605 sqft
    2022-11-01 45 days 2,485 sqft
    2022-12-01 64 days 2,485 sqft
    2023-01-01 71 days 2,470 sqft
    2023-02-01 59 days 2,437 sqft
    2023-03-01 47 days 2,500 sqft
    2023-04-01 37 days 2,581 sqft
    2023-05-01 32 days 2,590 sqft
    2023-06-01 34 days 2,612 sqft
    2023-07-01 37 days 2,577 sqft
    2023-08-01 41 days 2,542 sqft
    2023-09-01 45 days 2,610 sqft
    2023-10-01 47 days 2,543 sqft
    2023-11-01 52 days 2,488 sqft
    2023-12-01 66 days 2,463 sqft
    2024-01-01 71 days 2,457 sqft
    2024-02-01 53 days 2,418 sqft
    2024-03-01 38 days 2,587 sqft
    2024-04-01 37 days 2,562 sqft
    2024-05-01 33 days 2,583 sqft
    2024-06-01 36 days 2,497 sqft
    2024-07-01 42 days 2,478 sqft
    2024-08-01 48 days 2,471 sqft
    2024-09-01 51 days 2,441 sqft
    2024-10-01 58 days 2,419 sqft
    2024-11-01 65 days 2,396 sqft
    2024-12-01 73 days 2,306 sqft
    2025-01-01 75 days 2,239 sqft
    2025-02-01 51 days 2,291 sqft
    2025-03-01 41 days 2,331 sqft
    2025-04-01 37 days 2,404 sqft
    2025-05-01 39 days 2,480 sqft
    2025-06-01 44 days 2,489 sqft
    Fort Collins's median listing age (time on market) for 2025-06-01 was 44 days. This is 22% longer than the same period one year ago.

    Fort Collins's median square footage for active listings during the 2025-06-01 period was 2,489 sqft. One year prior, the average listing was 2,497 sqft.