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 6.62% for the week of 2024-05-24, compared to the national average (all USDA variants) of 6.738% for the same period.

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

The average rate for the prior week (2024-05-17) was 6.6% and one month ago for the week of 2024-04-19, the average rate was 6.84%.

The average rate one year ago was 6.36%.

For refis of the same type during the week of 2024-05-24, the average rate was 7.1%.

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 (8.9%) 1.68 860
2018-04-01 $491,200 (9.2%) $621,106 (12.2%) 1.67 905
2018-05-01 $490,966 (8.0%) $616,989 (10.4%) 1.64 1,057
2018-06-01 $481,675 (4.8%) $610,600 (6.7%) 1.61 1,157
2018-07-01 $482,473 (6.2%) $604,629 (4.9%) 1.61 1,262
2018-08-01 $466,475 (3.7%) $588,416 (3.0%) 1.56 1,327
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 1,023
2019-04-01 $451,200 (-8.1%) $571,456 (-8.0%) 1.43 1,036
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 $437,583 (-9.3%) $558,361 (-7.7%) 1.37 1,536
2019-08-01 $433,713 (-7.0%) $554,339 (-5.8%) 1.37 1,510
2019-09-01 $431,782 (-7.1%) $552,186 (-6.2%) 1.38 1,470
2019-10-01 $430,495 (-5.3%) $551,609 (-4.6%) 1.39 1,424
2019-11-01 $430,931 (-4.0%) $552,402 (-3.1%) 1.41 1,303
2019-12-01 $433,450 (-1.5%) $553,231 (-1.8%) 1.45 1,127
2020-01-01 $439,660 (-0.1%) $565,819 (1.9%) 1.47 1,009
2020-02-01 $449,900 (1.9%) $571,307 (3.2%) 1.47 965
2020-03-01 $452,225 (1.1%) $575,997 (2.3%) 1.42 974
2020-04-01 $452,000 (0.2%) $585,183 (2.4%) 1.42 1,124
2020-05-01 $460,000 (1.7%) $588,741 (2.6%) 1.40 1,288
2020-06-01 $472,114 (6.3%) $599,966 (7.5%) 1.39 1,215
2020-07-01 $469,375 (7.3%) $596,581 (6.8%) 1.36 1,149
2020-08-01 $469,900 (8.3%) $602,948 (8.8%) 1.35 1,033
2020-09-01 $464,785 (7.6%) $608,751 (10.2%) 1.33 928
2020-10-01 $474,475 (10.2%) $616,407 (11.8%) 1.36 798
2020-11-01 $473,000 (9.8%) $619,897 (12.2%) 1.38 730
2020-12-01 $474,802 (9.5%) $624,819 (12.9%) 1.41 648
2021-01-01 $478,326 (8.8%) $644,327 (13.9%) 1.43 489
2021-02-01 $494,450 (9.9%) $696,444 (21.9%) 1.44 432
2021-03-01 $516,986 (14.3%) $712,735 (23.7%) 1.47 376
2021-04-01 $499,950 (10.6%) $694,158 (18.6%) 1.35 377
2021-05-01 $545,130 (18.5%) $707,717 (20.2%) 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 (14.5%) 1.45 600
2021-09-01 $544,900 (17.2%) $686,926 (12.8%) 1.45 589
2021-10-01 $554,500 (16.9%) $707,679 (14.8%) 1.48 543
2021-11-01 $563,258 (19.1%) $713,460 (15.1%) 1.51 429
2021-12-01 $510,765 (7.6%) $625,773 (0.2%) 1.38 987
2022-01-01 $604,245 (26.3%) $790,142 (22.6%) 1.63 262
2022-02-01 $598,950 (21.1%) $832,905 (19.6%) 1.56 226
2022-03-01 $611,045 (18.2%) $835,704 (17.3%) 1.53 245
2022-04-01 $600,000 (20.0%) $811,818 (17.0%) 1.43 324
2022-05-01 $624,583 (14.6%) $801,974 (13.3%) 1.43 501
2022-06-01 $627,450 (17.6%) $794,767 (14.0%) 1.40 667
2022-07-01 $636,500 (15.9%) $782,609 (12.4%) 1.43 826
2022-08-01 $636,250 (16.8%) $809,580 (17.3%) 1.47 837
2022-09-01 $621,200 (14.0%) $786,127 (14.4%) 1.45 881
2022-10-01 $611,875 (10.4%) $785,467 (11.0%) 1.44 894
2022-11-01 $585,000 (3.9%) $755,054 (5.8%) 1.41 900
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 (-1.2%) $774,913 (-7.3%) 1.42 610
2023-04-01 $615,495 (2.6%) $803,381 (-1.0%) 1.43 645
2023-05-01 $636,883 (2.0%) $812,710 (1.3%) 1.44 803
2023-06-01 $643,300 (2.5%) $823,565 (3.6%) 1.45 940
2023-07-01 $640,000 (0.6%) $820,271 (4.8%) 1.45 1,048
2023-08-01 $627,473 (-1.4%) $800,228 (-1.2%) 1.44 1,088
2023-09-01 $625,000 (0.6%) $809,636 (3.0%) 1.46 1,064
2023-10-01 $619,995 (1.3%) $818,851 (4.3%) 1.46 1,091
2023-11-01 $607,500 (3.9%) $819,870 (8.6%) 1.45 1,016
2023-12-01 $600,000 (2.6%) $821,522 (8.6%) 1.46 846
2024-01-01 $616,139 (5.0%) $813,034 (6.2%) 1.50 742
2024-02-01 $618,985 (6.0%) $820,107 (9.3%) 1.49 730
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
Fort Collins's median listing price for 2024-04-01 was $649,375, a difference of $33,880 (5.5%) versus the prior year and $-5,625 versus the prior month.

Fort Collins's median listing price comes in at 151% of the national average.

Fort Collins's average listing price for 2024-04-01 was $838,008, a difference of $34,627 (4.3%) versus the prior year and $-6,046 versus the prior month.

For the 2024-04-01 period, Fort Collins had 835 MLS listings, a difference of 99 listings (13%) versus the prior month and 190 listings (29%) 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 2,686 sqft
2019-08-01 47 days 2,609 sqft
2019-09-01 53 days 2,598 sqft
2019-10-01 57 days 2,591 sqft
2019-11-01 60 days 2,595 sqft
2019-12-01 70 days 2,664 sqft
2020-01-01 75 days 2,663 sqft
2020-02-01 60 days 2,695 sqft
2020-03-01 44 days 2,701 sqft
2020-04-01 44 days 2,694 sqft
2020-05-01 46 days 2,743 sqft
2020-06-01 40 days 2,745 sqft
2020-07-01 40 days 2,730 sqft
2020-08-01 40 days 2,722 sqft
2020-09-01 44 days 2,644 sqft
2020-10-01 43 days 2,589 sqft
2020-11-01 52 days 2,520 sqft
2020-12-01 59 days 2,521 sqft
2021-01-01 73 days 2,490 sqft
2021-02-01 40 days 2,490 sqft
2021-03-01 49 days 2,537 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 2,501 sqft
2021-08-01 32 days 2,476 sqft
2021-09-01 36 days 2,479 sqft
2021-10-01 38 days 2,464 sqft
2021-11-01 44 days 2,498 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 2,530 sqft
2022-04-01 18 days 2,555 sqft
2022-05-01 17 days 2,524 sqft
2022-06-01 23 days 2,609 sqft
2022-07-01 27 days 2,649 sqft
2022-08-01 36 days 2,649 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 2,582 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 2,547 sqft
2023-11-01 51 days 2,488 sqft
2023-12-01 66 days 2,459 sqft
2024-01-01 71 days 2,456 sqft
2024-02-01 53 days 2,415 sqft
2024-03-01 38 days 2,587 sqft
2024-04-01 37 days 2,562 sqft
Fort Collins's median listing age (time on market) for 2024-04-01 was 37 days. This is 0% longer than the same period one year ago.

Fort Collins's median square footage for active listings during the 2024-04-01 period was 2,562 sqft. One year prior, the average listing was 2,582 sqft.