Fort Collins USDA Loan Rates, Closing Costs & Stats

FORT COLLINS, 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.

Fort Collins USDA Loans, 30 Year Fixed Rates

30 Year USDA mortgages in Fort Collins averaged 6.09% for the week of 2025-03-14, compared to the national average (all USDA variants) of 6.402% for the same period.

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

The average rate for the prior week (2025-03-07) was 5.96% and one month ago for the week of 2025-02-07, the average rate was 6.27%.

The average rate one year ago was 6.27%.

For refis of the same type during the week of 2025-03-14, the average rate was 6.76%.

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 2023 Avg. 30yFix Rate 2023 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
Fort Collins's median listing price for 2025-02-01 was $589,750, a difference of $-29,720 (-4.8%) versus the prior year and $7,312 versus the prior month.

Fort Collins's median listing price comes in at 143% of the national average.

Fort Collins's average listing price for 2025-02-01 was $812,255, a difference of $-8,197 (-1.0%) versus the prior year and $20,091 versus the prior month.

For the 2025-02-01 period, Fort Collins had 1,002 MLS listings, a difference of 20 listings (2%) versus the prior month and 273 listings (37%) 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
Fort Collins's median listing age (time on market) for 2025-02-01 was 51 days. This is -3% shorter than the same period one year ago.

Fort Collins's median square footage for active listings during the 2025-02-01 period was 2,291 sqft. One year prior, the average listing was 2,418 sqft.