Steamboat Springs USDA Loan Rates, Closing Costs & Stats
Steamboat Springs, 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.
Steamboat Springs's 1 lenders originated 2 USDA loans during 2023. The total origination value was $510,000, with an average USDA loan value of $255,000.
Steamboat Springs USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Steamboat Springs
averaged
6.69%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Steamboat Springs's average USDA mortgage closing costs are $6,031.
The average rate for the prior week (2025-02-07) was
6.75% and
one month ago for the week of 2025-01-10, the
average rate was 6.7%.
The average rate one year ago was 6.59%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.53%.
Steamboat Springs 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 Steamboat Springs level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| CROSSCOUNTRY MORTGAGE, LLC | 2 | 5.88% | $11,762 |
The lowest fee Steamboat Springs USDA lenders (with over 10 loans originated) are
.
The lowest rate Steamboat Springs USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Steamboat Springs (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 | $499,000 (1.3%) | $1,023,248 (14.8%) | 0.00 | 434 |
| 2018-02-01 | $489,750 (-1.1%) | $1,026,993 (14.1%) | 0.00 | 440 |
| 2018-03-01 | $499,000 (1.3%) | $1,076,057 (22.0%) | 0.00 | 443 |
| 2018-04-01 | $477,000 (-3.6%) | $1,060,942 (21.0%) | 0.00 | 453 |
| 2018-05-01 | $452,500 (-7.6%) | $1,021,673 (21.5%) | 0.00 | 476 |
| 2018-06-01 | $449,000 (-7.8%) | $1,002,526 (18.4%) | 0.00 | 554 |
| 2018-07-01 | $452,500 (-0.8%) | $1,008,811 (19.5%) | 0.00 | 614 |
| 2018-08-01 | $449,000 (2.2%) | $990,763 (16.9%) | 0.00 | 632 |
| 2018-09-01 | $465,000 (3.3%) | $1,028,938 (13.8%) | 0.00 | 598 |
| 2018-10-01 | $494,750 (3.5%) | $1,046,490 (11.2%) | 0.00 | 570 |
| 2018-11-01 | $526,000 (16.9%) | $1,065,930 (15.4%) | 0.00 | 534 |
| 2018-12-01 | $516,450 (9.9%) | $1,072,428 (10.7%) | 0.00 | 515 |
| 2019-01-01 | $508,750 (2.0%) | $1,063,244 (3.9%) | 0.00 | 501 |
| 2019-02-01 | $499,000 (1.9%) | $1,034,564 (0.7%) | 0.00 | 504 |
| 2019-03-01 | $498,143 (-0.2%) | $1,035,351 (-3.8%) | 0.00 | 503 |
| 2019-04-01 | $495,750 (3.9%) | $1,033,038 (-2.6%) | 0.00 | 510 |
| 2019-05-01 | $499,000 (10.3%) | $1,031,364 (1.0%) | 0.00 | 515 |
| 2019-06-01 | $517,000 (15.1%) | $1,009,671 (0.7%) | 0.00 | 604 |
| 2019-07-01 | $530,625 (17.3%) | $1,022,587 (1.4%) | 0.00 | 672 |
| 2019-08-01 | $509,545 (13.5%) | $1,022,456 (3.2%) | 0.00 | 655 |
| 2019-09-01 | $501,364 (7.8%) | $1,044,780 (1.5%) | 0.00 | 609 |
| 2019-10-01 | $498,134 (0.7%) | $1,069,926 (2.2%) | 0.00 | 568 |
| 2019-11-01 | $464,500 (-11.7%) | $1,071,133 (0.5%) | 0.00 | 522 |
| 2019-12-01 | $483,625 (-6.4%) | $1,119,472 (4.4%) | 0.00 | 491 |
| 2020-01-01 | $435,000 (-14.5%) | $1,110,856 (4.5%) | 0.00 | 385 |
| 2020-02-01 | $415,000 (-16.8%) | $1,043,377 (0.9%) | 0.00 | 385 |
| 2020-03-01 | $437,000 (-12.3%) | $958,415 (-7.4%) | 0.00 | 421 |
| 2020-04-01 | $419,500 (-15.4%) | $912,893 (-11.6%) | 0.00 | 431 |
| 2020-05-01 | $399,000 (-20.0%) | $842,926 (-18.3%) | 0.00 | 460 |
| 2020-06-01 | $399,900 (-22.7%) | $846,368 (-16.2%) | 0.00 | 534 |
| 2020-07-01 | $386,000 (-27.3%) | $883,895 (-13.6%) | 0.00 | 520 |
| 2020-08-01 | $338,250 (-33.6%) | $898,595 (-12.1%) | 0.00 | 454 |
| 2020-09-01 | $341,250 (-31.9%) | $930,365 (-11.0%) | 0.00 | 428 |
| 2020-10-01 | $329,000 (-34.0%) | $921,918 (-13.8%) | 0.00 | 398 |
| 2020-11-01 | $388,750 (-16.3%) | $971,255 (-9.3%) | 0.00 | 330 |
| 2020-12-01 | $391,250 (-19.1%) | $1,050,469 (-6.2%) | 0.00 | 292 |
| 2021-01-01 | $372,143 (-14.5%) | $1,130,943 (1.8%) | 0.00 | 243 |
| 2021-02-01 | $397,500 (-4.2%) | $1,088,293 (4.3%) | 0.00 | 241 |
| 2021-03-01 | $382,375 (-12.5%) | $1,148,636 (19.9%) | 0.00 | 238 |
| 2021-04-01 | $330,000 (-21.3%) | $1,098,130 (20.3%) | 0.00 | 220 |
| 2021-05-01 | $350,000 (-12.3%) | $1,086,390 (28.9%) | 0.00 | 241 |
| 2021-06-01 | $359,750 (-10.0%) | $1,065,629 (25.9%) | 0.00 | 239 |
| 2021-07-01 | $395,000 (2.3%) | $1,106,453 (25.2%) | 0.00 | 239 |
| 2021-08-01 | $428,000 (26.5%) | $1,117,969 (24.4%) | 0.00 | 241 |
| 2021-09-01 | $452,975 (32.7%) | $1,360,096 (46.2%) | 0.00 | 244 |
| 2021-10-01 | $452,500 (37.5%) | $1,397,961 (51.6%) | 0.00 | 223 |
| 2021-11-01 | $390,456 (0.4%) | $1,541,840 (58.8%) | 0.00 | 166 |
| 2021-12-01 | $396,156 (1.3%) | $1,828,316 (74.1%) | 0.00 | 148 |
| 2022-01-01 | $371,950 (-0.1%) | $1,944,091 (71.9%) | 0.00 | 125 |
| 2022-02-01 | $397,500 (0.0%) | $1,990,883 (82.9%) | 0.00 | 116 |
| 2022-03-01 | $516,750 (35.1%) | $1,969,702 (71.5%) | 0.00 | 119 |
| 2022-04-01 | $419,900 (27.2%) | $1,615,301 (47.1%) | 0.00 | 127 |
| 2022-05-01 | $446,000 (27.4%) | $1,452,456 (33.7%) | 0.00 | 160 |
| 2022-06-01 | $631,250 (75.5%) | $1,593,861 (49.6%) | 0.00 | 206 |
| 2022-07-01 | $779,000 (97.2%) | $1,654,279 (49.5%) | 0.00 | 259 |
| 2022-08-01 | $707,250 (65.3%) | $1,430,348 (27.9%) | 0.00 | 269 |
| 2022-09-01 | $705,000 (55.6%) | $1,464,802 (7.7%) | 0.00 | 267 |
| 2022-10-01 | $697,000 (54.0%) | $1,378,454 (-1.4%) | 0.00 | 243 |
| 2022-11-01 | $643,500 (64.8%) | $1,385,459 (-10.1%) | 0.00 | 221 |
| 2022-12-01 | $650,000 (64.1%) | $1,363,795 (-25.4%) | 0.00 | 202 |
| 2023-01-01 | $720,725 (93.8%) | $1,478,431 (-24.0%) | 0.00 | 173 |
| 2023-02-01 | $719,950 (81.1%) | $1,572,692 (-21.0%) | 0.00 | 154 |
| 2023-03-01 | $562,250 (8.8%) | $1,439,811 (-26.9%) | 0.00 | 151 |
| 2023-04-01 | $455,000 (8.4%) | $1,414,209 (-12.5%) | 0.00 | 153 |
| 2023-05-01 | $492,100 (10.3%) | $1,335,634 (-8.0%) | 0.00 | 167 |
| 2023-06-01 | $592,000 (-6.2%) | $1,489,811 (-6.5%) | 0.00 | 214 |
| 2023-07-01 | $649,950 (-16.6%) | $1,625,942 (-1.7%) | 0.00 | 255 |
| 2023-08-01 | $672,500 (-4.9%) | $1,517,563 (6.1%) | 0.00 | 272 |
| 2023-09-01 | $750,000 (6.4%) | $1,652,018 (12.8%) | 0.00 | 254 |
| 2023-10-01 | $795,000 (14.1%) | $1,647,811 (19.5%) | 0.00 | 225 |
| 2023-11-01 | $870,000 (35.2%) | $1,746,767 (26.1%) | 0.00 | 209 |
| 2023-12-01 | $940,000 (44.6%) | $1,921,814 (40.9%) | 0.00 | 194 |
| 2024-01-01 | $1,132,500 (57.1%) | $2,063,102 (39.6%) | 0.00 | 160 |
| 2024-02-01 | $1,171,000 (62.7%) | $2,118,186 (34.7%) | 0.00 | 148 |
| 2024-03-01 | $1,325,000 (135.7%) | $2,020,336 (40.3%) | 0.00 | 140 |
| 2024-04-01 | $870,500 (91.3%) | $2,021,547 (43.0%) | 0.00 | 103 |
| 2024-05-01 | $934,725 (90.0%) | $1,940,220 (45.3%) | 0.00 | 165 |
| 2024-06-01 | $1,095,000 (85.0%) | $1,984,251 (33.2%) | 0.00 | 251 |
| 2024-07-01 | $1,055,750 (62.4%) | $2,070,960 (27.4%) | 0.00 | 349 |
| 2024-08-01 | $999,999 (48.7%) | $2,017,842 (33.0%) | 0.00 | 360 |
| 2024-09-01 | $1,055,000 (40.7%) | $2,018,870 (22.2%) | 0.00 | 337 |
| 2024-10-01 | $962,250 (21.0%) | $1,913,828 (16.1%) | 0.00 | 312 |
| 2024-11-01 | $949,000 (9.1%) | $1,971,103 (12.8%) | 0.00 | 259 |
| 2024-12-01 | $973,750 (3.6%) | $2,141,135 (11.4%) | 0.00 | 247 |
| 2025-01-01 | $1,198,150 (5.8%) | $2,281,691 (10.6%) | 0.00 | 242 |
Steamboat Springs's median listing price comes in at 0% of the national average.
Steamboat Springs's average listing price for 2025-01-01 was $2,281,691, a difference of $218,589 (10.6%) versus the prior year and $140,556 versus the prior month.
For the 2025-01-01 period, Steamboat Springs had 242 MLS listings, a difference of -5 listings (-2%) versus the prior month and 82 listings (51%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Steamboat Springs (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,135 sqft |
| 2018-02-01 | 0 days | 2,134 sqft |
| 2018-03-01 | 0 days | 2,140 sqft |
| 2018-04-01 | 0 days | 2,078 sqft |
| 2018-05-01 | 0 days | 2,075 sqft |
| 2018-06-01 | 0 days | 1,996 sqft |
| 2018-07-01 | 0 days | 1,992 sqft |
| 2018-08-01 | 0 days | 1,987 sqft |
| 2018-09-01 | 0 days | 2,016 sqft |
| 2018-10-01 | 0 days | 1,998 sqft |
| 2018-11-01 | 0 days | 1,994 sqft |
| 2018-12-01 | 0 days | 1,917 sqft |
| 2019-01-01 | 0 days | 1,926 sqft |
| 2019-02-01 | 0 days | 1,769 sqft |
| 2019-03-01 | 0 days | 1,767 sqft |
| 2019-04-01 | 0 days | 1,790 sqft |
| 2019-05-01 | 0 days | 1,928 sqft |
| 2019-06-01 | 0 days | 1,990 sqft |
| 2019-07-01 | 0 days | 2,022 sqft |
| 2019-08-01 | 0 days | 2,036 sqft |
| 2019-09-01 | 0 days | 2,061 sqft |
| 2019-10-01 | 0 days | 2,095 sqft |
| 2019-11-01 | 0 days | 2,168 sqft |
| 2019-12-01 | 0 days | 2,179 sqft |
| 2020-01-01 | 0 days | 2,186 sqft |
| 2020-02-01 | 0 days | 2,192 sqft |
| 2020-03-01 | 0 days | 2,150 sqft |
| 2020-04-01 | 0 days | 2,038 sqft |
| 2020-05-01 | 0 days | 1,990 sqft |
| 2020-06-01 | 0 days | 2,025 sqft |
| 2020-07-01 | 0 days | 2,008 sqft |
| 2020-08-01 | 0 days | 1,967 sqft |
| 2020-09-01 | 0 days | 1,994 sqft |
| 2020-10-01 | 0 days | 2,015 sqft |
| 2020-11-01 | 0 days | 2,056 sqft |
| 2020-12-01 | 0 days | 2,259 sqft |
| 2021-01-01 | 0 days | 2,267 sqft |
| 2021-02-01 | 0 days | 2,165 sqft |
| 2021-03-01 | 0 days | 2,155 sqft |
| 2021-04-01 | 0 days | 2,147 sqft |
| 2021-05-01 | 0 days | 2,052 sqft |
| 2021-06-01 | 0 days | 2,012 sqft |
| 2021-07-01 | 0 days | 2,054 sqft |
| 2021-08-01 | 0 days | 2,070 sqft |
| 2021-09-01 | 0 days | 2,014 sqft |
| 2021-10-01 | 0 days | 1,977 sqft |
| 2021-11-01 | 0 days | 2,028 sqft |
| 2021-12-01 | 0 days | 2,124 sqft |
| 2022-01-01 | 0 days | 1,925 sqft |
| 2022-02-01 | 0 days | 2,068 sqft |
| 2022-03-01 | 0 days | 2,280 sqft |
| 2022-04-01 | 0 days | 2,000 sqft |
| 2022-05-01 | 0 days | 1,940 sqft |
| 2022-06-01 | 0 days | 2,014 sqft |
| 2022-07-01 | 0 days | 2,116 sqft |
| 2022-08-01 | 0 days | 2,114 sqft |
| 2022-09-01 | 0 days | 2,101 sqft |
| 2022-10-01 | 0 days | 2,010 sqft |
| 2022-11-01 | 0 days | 2,010 sqft |
| 2022-12-01 | 0 days | 2,004 sqft |
| 2023-01-01 | 0 days | 2,002 sqft |
| 2023-02-01 | 0 days | 2,043 sqft |
| 2023-03-01 | 0 days | 1,960 sqft |
| 2023-04-01 | 0 days | 1,814 sqft |
| 2023-05-01 | 0 days | 1,845 sqft |
| 2023-06-01 | 0 days | 1,940 sqft |
| 2023-07-01 | 0 days | 1,969 sqft |
| 2023-08-01 | 0 days | 2,032 sqft |
| 2023-09-01 | 0 days | 2,118 sqft |
| 2023-10-01 | 0 days | 2,154 sqft |
| 2023-11-01 | 0 days | 2,122 sqft |
| 2023-12-01 | 0 days | 2,196 sqft |
| 2024-01-01 | 0 days | 2,295 sqft |
| 2024-02-01 | 0 days | 2,322 sqft |
| 2024-03-01 | 0 days | 2,191 sqft |
| 2024-04-01 | 0 days | 2,130 sqft |
| 2024-05-01 | 0 days | 1,891 sqft |
| 2024-06-01 | 0 days | 1,953 sqft |
| 2024-07-01 | 0 days | 1,877 sqft |
| 2024-08-01 | 0 days | 1,775 sqft |
| 2024-09-01 | 0 days | 1,816 sqft |
| 2024-10-01 | 0 days | 1,800 sqft |
| 2024-11-01 | 0 days | 1,861 sqft |
| 2024-12-01 | 0 days | 1,829 sqft |
| 2025-01-01 | 0 days | 1,828 sqft |
Steamboat Springs's median square footage for active listings during the 2025-01-01 period was 1,828 sqft. One year prior, the average listing was 2,295 sqft.