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%.
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. LouisDate | 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 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. LouisDate | 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 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.