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
0.06%
for the week of 2024-11-15, compared to the national average (all USDA variants) of
0% for the same period.
Steamboat Springs's average USDA mortgage closing costs are $6,031.
The average rate for the prior week (2024-11-08) was
6.72% and
one month ago for the week of 2024-10-11, the
average rate was 6.18%.
The average rate one year ago was 7.31%.
For refis of the same type during the week of 2024-11-15, the average rate
was -0.1%.
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 | $699,000 (17.2%) | $1,258,733 (18.7%) | 0.00 | 337 |
| 2018-02-01 | $687,000 (15.1%) | $1,252,716 (16.6%) | 0.00 | 344 |
| 2018-03-01 | $730,000 (22.7%) | $1,306,045 (25.0%) | 0.00 | 350 |
| 2018-04-01 | $695,000 (16.0%) | $1,272,883 (22.5%) | 0.00 | 365 |
| 2018-05-01 | $699,000 (17.9%) | $1,268,659 (26.8%) | 0.00 | 366 |
| 2018-06-01 | $665,000 (12.8%) | $1,251,244 (23.3%) | 0.00 | 416 |
| 2018-07-01 | $677,000 (14.9%) | $1,257,117 (22.9%) | 0.00 | 470 |
| 2018-08-01 | $698,125 (18.5%) | $1,232,359 (16.4%) | 0.00 | 485 |
| 2018-09-01 | $700,000 (7.7%) | $1,269,185 (11.3%) | 0.00 | 466 |
| 2018-10-01 | $699,000 (4.6%) | $1,275,973 (7.1%) | 0.00 | 448 |
| 2018-11-01 | $699,500 (12.4%) | $1,270,177 (13.9%) | 0.00 | 425 |
| 2018-12-01 | $699,000 (3.6%) | $1,257,363 (4.0%) | 0.00 | 417 |
| 2019-01-01 | $699,250 (0.0%) | $1,249,327 (-0.8%) | 0.00 | 411 |
| 2019-02-01 | $650,000 (-5.4%) | $1,199,457 (-4.3%) | 0.00 | 418 |
| 2019-03-01 | $652,143 (-10.7%) | $1,214,682 (-7.0%) | 0.00 | 408 |
| 2019-04-01 | $649,368 (-6.6%) | $1,222,080 (-4.0%) | 0.00 | 408 |
| 2019-05-01 | $672,500 (-3.8%) | $1,230,681 (-3.0%) | 0.00 | 406 |
| 2019-06-01 | $674,000 (1.4%) | $1,202,666 (-3.9%) | 0.00 | 483 |
| 2019-07-01 | $725,750 (7.2%) | $1,215,575 (-3.3%) | 0.00 | 535 |
| 2019-08-01 | $731,250 (4.7%) | $1,239,605 (0.6%) | 0.00 | 512 |
| 2019-09-01 | $741,375 (5.9%) | $1,285,711 (1.3%) | 0.00 | 470 |
| 2019-10-01 | $752,125 (7.6%) | $1,327,075 (4.0%) | 0.00 | 433 |
| 2019-11-01 | $765,000 (9.4%) | $1,372,545 (8.1%) | 0.00 | 393 |
| 2019-12-01 | $767,500 (9.8%) | $1,426,411 (13.4%) | 0.00 | 359 |
| 2020-01-01 | $777,500 (11.2%) | $1,477,361 (18.3%) | 0.00 | 268 |
| 2020-02-01 | $750,000 (15.4%) | $1,410,236 (17.6%) | 0.00 | 264 |
| 2020-03-01 | $734,875 (12.7%) | $1,301,839 (7.2%) | 0.00 | 286 |
| 2020-04-01 | $633,500 (-2.4%) | $1,208,750 (-1.1%) | 0.00 | 298 |
| 2020-05-01 | $642,000 (-4.5%) | $1,159,674 (-5.8%) | 0.00 | 304 |
| 2020-06-01 | $646,000 (-4.2%) | $1,115,968 (-7.2%) | 0.00 | 367 |
| 2020-07-01 | $685,000 (-5.6%) | $1,207,115 (-0.7%) | 0.00 | 346 |
| 2020-08-01 | $650,000 (-11.1%) | $1,320,706 (6.5%) | 0.00 | 275 |
| 2020-09-01 | $769,500 (3.8%) | $1,395,907 (8.6%) | 0.00 | 254 |
| 2020-10-01 | $819,500 (9.0%) | $1,423,463 (7.3%) | 0.00 | 228 |
| 2020-11-01 | $860,000 (12.4%) | $1,412,915 (2.9%) | 0.00 | 201 |
| 2020-12-01 | $837,500 (9.1%) | $1,475,226 (3.4%) | 0.00 | 185 |
| 2021-01-01 | $862,500 (10.9%) | $1,597,356 (8.1%) | 0.00 | 155 |
| 2021-02-01 | $824,500 (9.9%) | $1,525,643 (8.2%) | 0.00 | 156 |
| 2021-03-01 | $916,250 (24.7%) | $1,671,285 (28.4%) | 0.00 | 150 |
| 2021-04-01 | $878,750 (38.7%) | $1,794,414 (48.5%) | 0.00 | 121 |
| 2021-05-01 | $1,100,000 (71.3%) | $1,757,054 (51.5%) | 0.00 | 128 |
| 2021-06-01 | $893,500 (38.3%) | $1,690,006 (51.4%) | 0.00 | 137 |
| 2021-07-01 | $989,000 (44.4%) | $1,684,380 (39.5%) | 0.00 | 144 |
| 2021-08-01 | $1,096,250 (68.7%) | $1,706,121 (29.2%) | 0.00 | 143 |
| 2021-09-01 | $1,039,000 (35.0%) | $2,014,130 (44.3%) | 0.00 | 150 |
| 2021-10-01 | $1,087,250 (32.7%) | $2,097,144 (47.3%) | 0.00 | 137 |
| 2021-11-01 | $1,337,500 (55.5%) | $2,582,482 (82.8%) | 0.00 | 86 |
| 2021-12-01 | $1,457,000 (74.0%) | $2,925,163 (98.3%) | 0.00 | 82 |
| 2022-01-01 | $1,452,500 (68.4%) | $3,352,628 (109.9%) | 0.00 | 66 |
| 2022-02-01 | $1,437,500 (74.4%) | $3,529,154 (131.3%) | 0.00 | 58 |
| 2022-03-01 | $1,797,500 (96.2%) | $3,474,138 (107.9%) | 0.00 | 64 |
| 2022-04-01 | $1,435,000 (63.3%) | $2,969,432 (65.5%) | 0.00 | 63 |
| 2022-05-01 | $1,164,500 (5.9%) | $2,421,756 (37.8%) | 0.00 | 84 |
| 2022-06-01 | $1,405,750 (57.3%) | $2,361,427 (39.7%) | 0.00 | 132 |
| 2022-07-01 | $1,400,000 (41.6%) | $2,183,354 (29.6%) | 0.00 | 189 |
| 2022-08-01 | $1,314,250 (19.9%) | $1,905,424 (11.7%) | 0.00 | 186 |
| 2022-09-01 | $1,192,000 (14.7%) | $1,956,901 (-2.8%) | 0.00 | 185 |
| 2022-10-01 | $1,060,000 (-2.5%) | $1,769,415 (-15.6%) | 0.00 | 179 |
| 2022-11-01 | $978,750 (-26.8%) | $1,777,386 (-31.2%) | 0.00 | 159 |
| 2022-12-01 | $925,000 (-36.5%) | $1,730,223 (-40.9%) | 0.00 | 149 |
| 2023-01-01 | $1,007,493 (-30.6%) | $1,803,240 (-46.2%) | 0.00 | 132 |
| 2023-02-01 | $1,000,000 (-30.4%) | $1,923,152 (-45.5%) | 0.00 | 116 |
| 2023-03-01 | $998,745 (-44.4%) | $1,914,377 (-44.9%) | 0.00 | 106 |
| 2023-04-01 | $1,150,000 (-19.9%) | $1,971,005 (-33.6%) | 0.00 | 95 |
| 2023-05-01 | $1,128,500 (-3.1%) | $1,972,332 (-18.6%) | 0.00 | 101 |
| 2023-06-01 | $1,293,750 (-8.0%) | $2,118,976 (-10.3%) | 0.00 | 134 |
| 2023-07-01 | $1,293,000 (-7.6%) | $2,278,426 (4.4%) | 0.00 | 163 |
| 2023-08-01 | $1,288,750 (-1.9%) | $2,228,237 (16.9%) | 0.00 | 166 |
| 2023-09-01 | $1,324,500 (11.1%) | $2,256,291 (15.3%) | 0.00 | 164 |
| 2023-10-01 | $1,431,250 (35.0%) | $2,235,084 (26.3%) | 0.00 | 147 |
| 2023-11-01 | $1,482,500 (51.5%) | $2,345,820 (32.0%) | 0.00 | 140 |
| 2023-12-01 | $1,697,500 (83.5%) | $2,533,133 (46.4%) | 0.00 | 137 |
| 2024-01-01 | $1,823,000 (80.9%) | $2,611,608 (44.8%) | 0.00 | 116 |
| 2024-02-01 | $1,875,000 (87.5%) | $2,689,675 (39.9%) | 0.00 | 106 |
| 2024-03-01 | $1,900,000 (90.2%) | $2,702,714 (41.2%) | 0.00 | 104 |
| 2024-04-01 | $1,895,000 (64.8%) | $2,458,357 (24.7%) | 0.00 | 55 |
| 2024-05-01 | $1,495,000 (32.5%) | $2,239,591 (13.6%) | 0.00 | 105 |
| 2024-06-01 | $1,550,000 (19.8%) | $2,302,057 (8.6%) | 0.00 | 180 |
| 2024-07-01 | $1,624,500 (25.6%) | $2,617,963 (14.9%) | 0.00 | 247 |
| 2024-08-01 | $1,575,000 (22.2%) | $2,576,497 (15.6%) | 0.00 | 256 |
| 2024-09-01 | $1,586,250 (19.8%) | $2,511,582 (11.3%) | 0.00 | 244 |
| 2024-10-01 | $1,542,500 (7.8%) | $2,468,214 (10.4%) | 0.00 | 215 |
Steamboat Springs's median listing price comes in at 0% of the national average.
Steamboat Springs's average listing price for 2024-10-01 was $2,468,214, a difference of $233,130 (10.4%) versus the prior year and $-43,368 versus the prior month.
For the 2024-10-01 period, Steamboat Springs had 215 MLS listings, a difference of -29 listings (-12%) versus the prior month and 68 listings (46%) 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 | 2,296 sqft |
| 2018-02-01 | 0 days | 2,290 sqft |
| 2018-03-01 | 0 days | 2,288 sqft |
| 2018-04-01 | 0 days | 2,244 sqft |
| 2018-05-01 | 0 days | 2,339 sqft |
| 2018-06-01 | 0 days | 2,284 sqft |
| 2018-07-01 | 0 days | 2,244 sqft |
| 2018-08-01 | 0 days | 2,190 sqft |
| 2018-09-01 | 0 days | 2,280 sqft |
| 2018-10-01 | 0 days | 2,217 sqft |
| 2018-11-01 | 0 days | 2,175 sqft |
| 2018-12-01 | 0 days | 2,032 sqft |
| 2019-01-01 | 0 days | 2,018 sqft |
| 2019-02-01 | 0 days | 1,836 sqft |
| 2019-03-01 | 0 days | 1,846 sqft |
| 2019-04-01 | 0 days | 1,893 sqft |
| 2019-05-01 | 0 days | 2,035 sqft |
| 2019-06-01 | 0 days | 2,071 sqft |
| 2019-07-01 | 0 days | 2,181 sqft |
| 2019-08-01 | 0 days | 2,223 sqft |
| 2019-09-01 | 0 days | 2,286 sqft |
| 2019-10-01 | 0 days | 2,328 sqft |
| 2019-11-01 | 0 days | 2,383 sqft |
| 2019-12-01 | 0 days | 2,363 sqft |
| 2020-01-01 | 0 days | 2,369 sqft |
| 2020-02-01 | 0 days | 2,371 sqft |
| 2020-03-01 | 0 days | 2,304 sqft |
| 2020-04-01 | 0 days | 2,102 sqft |
| 2020-05-01 | 0 days | 2,068 sqft |
| 2020-06-01 | 0 days | 2,168 sqft |
| 2020-07-01 | 0 days | 2,206 sqft |
| 2020-08-01 | 0 days | 2,266 sqft |
| 2020-09-01 | 0 days | 2,294 sqft |
| 2020-10-01 | 0 days | 2,290 sqft |
| 2020-11-01 | 0 days | 2,285 sqft |
| 2020-12-01 | 0 days | 2,295 sqft |
| 2021-01-01 | 0 days | 2,371 sqft |
| 2021-02-01 | 0 days | 2,331 sqft |
| 2021-03-01 | 0 days | 2,371 sqft |
| 2021-04-01 | 0 days | 2,468 sqft |
| 2021-05-01 | 0 days | 2,427 sqft |
| 2021-06-01 | 0 days | 2,429 sqft |
| 2021-07-01 | 0 days | 2,551 sqft |
| 2021-08-01 | 0 days | 2,549 sqft |
| 2021-09-01 | 0 days | 2,291 sqft |
| 2021-10-01 | 0 days | 2,302 sqft |
| 2021-11-01 | 0 days | 3,002 sqft |
| 2021-12-01 | 0 days | 3,127 sqft |
| 2022-01-01 | 0 days | 3,024 sqft |
| 2022-02-01 | 0 days | 2,831 sqft |
| 2022-03-01 | 0 days | 3,019 sqft |
| 2022-04-01 | 0 days | 2,545 sqft |
| 2022-05-01 | 0 days | 2,351 sqft |
| 2022-06-01 | 0 days | 2,577 sqft |
| 2022-07-01 | 0 days | 2,420 sqft |
| 2022-08-01 | 0 days | 2,300 sqft |
| 2022-09-01 | 0 days | 2,289 sqft |
| 2022-10-01 | 0 days | 2,069 sqft |
| 2022-11-01 | 0 days | 2,042 sqft |
| 2022-12-01 | 0 days | 2,030 sqft |
| 2023-01-01 | 0 days | 2,076 sqft |
| 2023-02-01 | 0 days | 2,248 sqft |
| 2023-03-01 | 0 days | 2,176 sqft |
| 2023-04-01 | 0 days | 2,253 sqft |
| 2023-05-01 | 0 days | 2,071 sqft |
| 2023-06-01 | 0 days | 2,213 sqft |
| 2023-07-01 | 0 days | 2,286 sqft |
| 2023-08-01 | 0 days | 2,552 sqft |
| 2023-09-01 | 0 days | 2,573 sqft |
| 2023-10-01 | 0 days | 2,573 sqft |
| 2023-11-01 | 0 days | 2,603 sqft |
| 2023-12-01 | 0 days | 2,586 sqft |
| 2024-01-01 | 0 days | 2,682 sqft |
| 2024-02-01 | 0 days | 2,743 sqft |
| 2024-03-01 | 0 days | 2,397 sqft |
| 2024-04-01 | 0 days | 2,376 sqft |
| 2024-05-01 | 0 days | 2,064 sqft |
| 2024-06-01 | 0 days | 2,114 sqft |
| 2024-07-01 | 0 days | 2,063 sqft |
| 2024-08-01 | 0 days | 1,960 sqft |
| 2024-09-01 | 0 days | 1,982 sqft |
| 2024-10-01 | 0 days | 1,943 sqft |
Steamboat Springs's median square footage for active listings during the 2024-10-01 period was 1,943 sqft. One year prior, the average listing was 2,573 sqft.