Pueblo USDA Loan Rates, Closing Costs & Stats

PUEBLO, CO

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Pueblo's 2 lenders originated 2 USDA loans during 2023. The total origination value was $520,000, with an average USDA loan value of $260,000.

    Pueblo USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Pueblo averaged -0.4% for the week of 2024-11-15, compared to the national average (all USDA variants) of 0% for the same period.

    Pueblo's average USDA mortgage closing costs are $8,921.

    The average rate for the prior week (2024-11-08) was 6.05% and one month ago for the week of 2024-10-11, the average rate was 5.81%.

    The average rate one year ago was 7.34%.

    For refis of the same type during the week of 2024-11-15, the average rate was -0.08%.

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

    Pueblo 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 Pueblo level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    MID AMERICA MORTGAGE, INC. 1 5.88% $2,733
    THRIVE MORTGAGE, LLC 1 5.00% $15,320

    The top Pueblo USDA lender as defined by loan originations is MID AMERICA MORTGAGE, INC., with 1 USDA loans originated. Their average total fees are $2,733, which is $12,587 lower than the next largest lender, THRIVE MORTGAGE, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Pueblo (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 $239,900 (15.3%) $315,392 (16.1%) 0.89 387
    2018-02-01 $239,950 (20.0%) $322,342 (20.9%) 0.87 364
    2018-03-01 $249,450 (22.0%) $330,762 (18.8%) 0.88 371
    2018-04-01 $249,950 (16.3%) $342,182 (21.1%) 0.85 369
    2018-05-01 $249,900 (13.6%) $343,896 (9.4%) 0.83 380
    2018-06-01 $250,000 (7.0%) $346,266 (12.8%) 0.83 434
    2018-07-01 $266,381 (15.9%) $350,480 (17.5%) 0.89 467
    2018-08-01 $255,000 (11.4%) $335,715 (14.0%) 0.85 511
    2018-09-01 $249,950 (9.5%) $327,047 (11.2%) 0.84 542
    2018-10-01 $249,929 (9.4%) $327,170 (4.7%) 0.85 527
    2018-11-01 $249,900 (6.9%) $327,630 (2.8%) 0.85 515
    2018-12-01 $244,900 (4.2%) $319,330 (-0.8%) 0.84 477
    2019-01-01 $239,950 (0.0%) $316,624 (0.4%) 0.83 446
    2019-02-01 $248,725 (3.7%) $320,990 (-0.4%) 0.84 429
    2019-03-01 $258,471 (3.6%) $332,450 (0.5%) 0.85 414
    2019-04-01 $269,625 (7.9%) $345,360 (0.9%) 0.86 393
    2019-05-01 $272,450 (9.0%) $350,605 (2.0%) 0.85 349
    2019-06-01 $254,450 (1.8%) $341,161 (-1.5%) 0.80 357
    2019-07-01 $247,250 (-7.2%) $337,344 (-3.8%) 0.77 389
    2019-08-01 $252,200 (-1.1%) $333,026 (-0.8%) 0.80 411
    2019-09-01 $248,150 (-0.7%) $323,849 (-1.0%) 0.79 447
    2019-10-01 $244,950 (-2.0%) $315,885 (-3.5%) 0.79 469
    2019-11-01 $239,900 (-4.0%) $313,934 (-4.2%) 0.79 411
    2019-12-01 $252,450 (3.1%) $337,646 (5.7%) 0.84 366
    2020-01-01 $259,900 (8.3%) $356,929 (12.7%) 0.87 343
    2020-02-01 $275,000 (10.6%) $378,752 (18.0%) 0.90 293
    2020-03-01 $282,400 (9.3%) $395,671 (19.0%) 0.89 268
    2020-04-01 $278,675 (3.4%) $393,768 (14.0%) 0.87 279
    2020-05-01 $296,750 (8.9%) $387,630 (10.6%) 0.90 285
    2020-06-01 $286,275 (12.5%) $387,367 (13.5%) 0.84 263
    2020-07-01 $304,750 (23.3%) $430,774 (27.7%) 0.88 229
    2020-08-01 $317,450 (25.9%) $459,565 (38.0%) 0.91 229
    2020-09-01 $302,225 (21.8%) $469,348 (44.9%) 0.87 235
    2020-10-01 $312,000 (27.4%) $496,818 (57.3%) 0.89 215
    2020-11-01 $304,175 (26.8%) $493,841 (57.3%) 0.89 196
    2020-12-01 $303,650 (20.3%) $511,692 (51.6%) 0.90 172
    2021-01-01 $305,900 (17.7%) $531,495 (48.9%) 0.91 141
    2021-02-01 $332,000 (20.7%) $535,886 (41.5%) 0.97 150
    2021-03-01 $323,375 (14.5%) $524,877 (32.7%) 0.92 152
    2021-04-01 $330,825 (18.7%) $528,583 (34.2%) 0.90 174
    2021-05-01 $324,900 (9.5%) $501,093 (29.3%) 0.86 200
    2021-06-01 $332,475 (16.1%) $484,801 (25.2%) 0.88 239
    2021-07-01 $340,000 (11.6%) $450,850 (4.7%) 0.90 314
    2021-08-01 $334,000 (5.2%) $444,139 (-3.4%) 0.89 381
    2021-09-01 $334,950 (10.8%) $449,135 (-4.3%) 0.89 360
    2021-10-01 $329,900 (5.7%) $450,091 (-9.4%) 0.88 341
    2021-11-01 $347,450 (14.2%) $440,782 (-10.7%) 0.93 366
    2021-12-01 $348,975 (14.9%) $450,472 (-12.0%) 0.95 328
    2022-01-01 $339,450 (11.0%) $444,435 (-16.4%) 0.92 271
    2022-02-01 $365,000 (9.9%) $442,473 (-17.4%) 0.95 232
    2022-03-01 $362,554 (12.1%) $412,637 (-21.4%) 0.91 211
    2022-04-01 $374,750 (13.3%) $431,803 (-18.3%) 0.89 275
    2022-05-01 $394,900 (21.6%) $461,759 (-7.9%) 0.90 317
    2022-06-01 $399,900 (20.3%) $459,047 (-5.3%) 0.89 388
    2022-07-01 $399,900 (17.6%) $444,149 (-1.5%) 0.90 513
    2022-08-01 $397,899 (19.1%) $445,911 (0.4%) 0.92 558
    2022-09-01 $389,950 (16.4%) $440,521 (-1.9%) 0.91 583
    2022-10-01 $375,000 (13.7%) $433,696 (-3.6%) 0.88 630
    2022-11-01 $359,238 (3.4%) $416,955 (-5.4%) 0.86 664
    2022-12-01 $349,900 (0.3%) $411,609 (-8.6%) 0.86 621
    2023-01-01 $348,450 (2.7%) $418,626 (-5.8%) 0.86 570
    2023-02-01 $347,425 (-4.8%) $416,949 (-5.8%) 0.84 549
    2023-03-01 $351,750 (-3.0%) $428,062 (3.7%) 0.83 517
    2023-04-01 $365,000 (-2.6%) $445,880 (3.3%) 0.85 508
    2023-05-01 $377,811 (-4.3%) $462,638 (0.2%) 0.86 502
    2023-06-01 $379,900 (-5.0%) $451,792 (-1.6%) 0.85 533
    2023-07-01 $379,900 (-5.0%) $439,824 (-1.0%) 0.86 546
    2023-08-01 $369,900 (-7.0%) $421,459 (-5.5%) 0.85 630
    2023-09-01 $369,000 (-5.4%) $404,096 (-8.3%) 0.86 638
    2023-10-01 $363,450 (-3.1%) $416,622 (-3.9%) 0.86 661
    2023-11-01 $350,000 (-2.6%) $396,153 (-5.0%) 0.83 652
    2023-12-01 $349,900 (0.0%) $382,528 (-7.1%) 0.85 616
    2024-01-01 $349,950 (0.4%) $377,933 (-9.7%) 0.85 600
    2024-02-01 $359,950 (3.6%) $387,679 (-7.0%) 0.87 611
    2024-03-01 $363,900 (3.5%) $387,917 (-9.4%) 0.86 615
    2024-04-01 $374,925 (2.7%) $428,837 (-3.8%) 0.87 668
    2024-05-01 $379,950 (0.6%) $442,496 (-4.4%) 0.86 701
    2024-06-01 $379,950 (0.0%) $444,306 (-1.7%) 0.85 710
    2024-07-01 $375,000 (-1.3%) $431,917 (-1.8%) 0.86 768
    2024-08-01 $369,000 (-0.2%) $421,120 (-0.1%) 0.86 851
    2024-09-01 $364,950 (-1.1%) $407,291 (0.8%) 0.86 879
    2024-10-01 $365,000 (0.4%) $405,247 (-2.7%) 0.86 922
    Pueblo's median listing price for 2024-10-01 was $365,000, a difference of $1,550 (0.4%) versus the prior year and $50 versus the prior month.

    Pueblo's median listing price comes in at 86% of the national average.

    Pueblo's average listing price for 2024-10-01 was $405,247, a difference of $-11,375 (-2.7%) versus the prior year and $-2,044 versus the prior month.

    For the 2024-10-01 period, Pueblo had 922 MLS listings, a difference of 43 listings (5%) versus the prior month and 261 listings (39%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Pueblo (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 57 days 1,959 sqft
    2018-02-01 45 days 1,991 sqft
    2018-03-01 40 days 2,088 sqft
    2018-04-01 40 days 2,102 sqft
    2018-05-01 40 days 2,113 sqft
    2018-06-01 38 days 2,064 sqft
    2018-07-01 37 days 2,110 sqft
    2018-08-01 43 days 2,022 sqft
    2018-09-01 45 days 2,028 sqft
    2018-10-01 48 days 1,946 sqft
    2018-11-01 51 days 1,897 sqft
    2018-12-01 62 days 1,893 sqft
    2019-01-01 66 days 1,859 sqft
    2019-02-01 50 days 1,901 sqft
    2019-03-01 45 days 2,053 sqft
    2019-04-01 41 days 2,188 sqft
    2019-05-01 38 days 2,202 sqft
    2019-06-01 36 days 2,058 sqft
    2019-07-01 37 days 2,057 sqft
    2019-08-01 39 days 2,076 sqft
    2019-09-01 40 days 2,012 sqft
    2019-10-01 39 days 1,970 sqft
    2019-11-01 45 days 1,953 sqft
    2019-12-01 58 days 2,042 sqft
    2020-01-01 56 days 2,014 sqft
    2020-02-01 44 days 1,993 sqft
    2020-03-01 35 days 1,975 sqft
    2020-04-01 36 days 1,872 sqft
    2020-05-01 38 days 2,040 sqft
    2020-06-01 32 days 2,026 sqft
    2020-07-01 34 days 2,171 sqft
    2020-08-01 32 days 2,146 sqft
    2020-09-01 27 days 2,118 sqft
    2020-10-01 30 days 2,121 sqft
    2020-11-01 33 days 1,940 sqft
    2020-12-01 36 days 1,870 sqft
    2021-01-01 32 days 1,976 sqft
    2021-02-01 19 days 1,908 sqft
    2021-03-01 24 days 1,864 sqft
    2021-04-01 27 days 1,875 sqft
    2021-05-01 24 days 1,950 sqft
    2021-06-01 21 days 1,917 sqft
    2021-07-01 23 days 1,930 sqft
    2021-08-01 25 days 2,008 sqft
    2021-09-01 27 days 1,897 sqft
    2021-10-01 27 days 1,910 sqft
    2021-11-01 26 days 1,833 sqft
    2021-12-01 40 days 1,785 sqft
    2022-01-01 44 days 1,754 sqft
    2022-02-01 27 days 1,752 sqft
    2022-03-01 22 days 1,766 sqft
    2022-04-01 16 days 1,732 sqft
    2022-05-01 28 days 1,780 sqft
    2022-06-01 29 days 1,765 sqft
    2022-07-01 29 days 1,872 sqft
    2022-08-01 38 days 1,901 sqft
    2022-09-01 43 days 1,949 sqft
    2022-10-01 43 days 1,987 sqft
    2022-11-01 46 days 1,980 sqft
    2022-12-01 59 days 1,920 sqft
    2023-01-01 70 days 1,904 sqft
    2023-02-01 61 days 1,853 sqft
    2023-03-01 47 days 1,861 sqft
    2023-04-01 43 days 1,884 sqft
    2023-05-01 41 days 1,973 sqft
    2023-06-01 45 days 1,976 sqft
    2023-07-01 48 days 1,981 sqft
    2023-08-01 47 days 1,945 sqft
    2023-09-01 47 days 1,965 sqft
    2023-10-01 53 days 1,945 sqft
    2023-11-01 56 days 1,893 sqft
    2023-12-01 65 days 1,872 sqft
    2024-01-01 73 days 1,851 sqft
    2024-02-01 64 days 1,898 sqft
    2024-03-01 56 days 1,908 sqft
    2024-04-01 49 days 1,974 sqft
    2024-05-01 47 days 2,064 sqft
    2024-06-01 53 days 2,112 sqft
    2024-07-01 51 days 2,087 sqft
    2024-08-01 51 days 2,045 sqft
    2024-09-01 54 days 1,973 sqft
    2024-10-01 60 days 1,954 sqft
    Pueblo's median listing age (time on market) for 2024-10-01 was 60 days. This is 13% longer than the same period one year ago.

    Pueblo's median square footage for active listings during the 2024-10-01 period was 1,954 sqft. One year prior, the average listing was 1,945 sqft.