Steamboat Springs Mortgage Rates & Closing Costs

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  • Trends
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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Steamboat Springs averaged 6.92% for the week of 2025-07-03, compared to the national average of 6.67% for the same period.

    The average rate for the prior week (2025-06-26) was 6.92% and one month ago for the week of 2025-05-29, the average rate was 6.84%.

    Steamboat Springs's average rate one year ago was 6.71%.

    For refis of the same type during the week of 2025-07-03, the average rate was 6.57%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-07-03 6.67%
    Steamboat Springs 30 Year Fixed Rate 2025-07-03 6.92%
    Steamboat Springs 30 Year Fixed Rate Refi 2025-07-03 6.57%
    Steamboat Springs 15 Year Fixed Rate 2025-07-03 5.8%
    Steamboat Springs 15 Year Fixed Rate Refi 2025-07-03 6%
    Steamboat Springs 30 Year FHA 2025-07-03 -0.1%
    Steamboat Springs 30 Year FHA Refi 2025-07-03 -0.2%
    Steamboat Springs 30 Year USDA 2025-07-03 0.2%
    Steamboat Springs 30 Year USDA Refi 2025-07-03 -0.2%
    Steamboat Springs 30 Year VA 2025-07-03 -0.2%
    Steamboat Springs 30 Year VA Refi 2025-07-03 -0.2%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Steamboat Springs, CO.

    Steamboat Springs Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Steamboat Springs, CO market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    CROSSCOUNTRY MORTGAGE, LLC 64 6.69% $7,629
    NFM, INC. 41 7.03% $8,216
    UNITED WHOLESALE MORTGAGE, LLC 36 6.51% $6,861
    GROUP MORTGAGE, LLC 33 7.04% $7,295
    QUICKEN LOANS, LLC 20 6.59% $8,451
    Alpine Bank 15 6.72% $3,614
    U.S. Bank 10 6.27% $15,083
    Charles Schwab Bank, SSB 6 6.05% $2,482
    NMSI, INC. 5 6.78% $4,886
    Raymond James Bank 5 5.60% $3,155
    MOVEMENT MORTGAGE, LLC 5 7.57% $5,120
    JPMorgan Chase Bank 5 6.48% $5,826
    The Huntington National Bank 4 6.55% $3,248
    V.I.P. MORTGAGE, INC. 4 6.91% $7,056
    Morgan Stanley Private Bank 3 5.63% $3,451
    Farm Credit Mid-America, ACA 3 6.96% $10,099
    AIR ACADEMY 3 6.08% $6,844
    BOKF 3 6.62% $3,620
    PLAZA HOME MORTGAGE, INC. 3 6.91% $3,947
    GUARANTEED RATE, INC. 3 6.13% $5,373
    GUILD MORTGAGE COMPANY 3 6.58% $10,239
    Citibank 3 6.33% $3,997
    LOANDEPOT.COM, LLC 3 6.67% $5,383
    Zions Bank 3 6.38% $5,535
    CHURCHILL MORTGAGE CORPORATION 2 6.81% $11,135
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.50% $3,712
    Northpointe Bank 2 8.00% $5,863
    Flagstar Bank, FSB 2 7.06% $11,565
    CMG MORTGAGE, INC. 2 7.06% $4,576
    Wells Fargo Bank 2 6.00% $4,578
    Stifel Bank and Trust 2 5.88% $2,420
    CORNERSTONE HOME LENDING, INC. 2 6.75% $25,202
    BROKER SOLUTIONS, INC. 2 5.88% $12,711
    NexBank 1 7.75% $39,499
    Northwest Bank 1 6.50% $14,579
    PNC Bank 1 5.88% $4,245
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.38% $7,472
    Sierra Pacific Mortgage Company, Inc. 1 6.99% $4,228
    Sunflower Bank 1 6.25% $3,773
    SWBC MORTGAGE CORPORATION 1 7.00% $12,305
    The Loan Store, Inc. 1 6.99% $13,157
    Towne Bank 1 7.00% $6,068
    ADVANCIAL 1 7.38% $8,000
    UBS Bank USA 1 7.25% $3,503
    UMB Bank 1 6.22% $3,752
    UNION HOME MORTGAGE CORP. 1 6.99% $3,921
    Willamette Valley Bank 1 6.75% $11,101
    WINGS FINANCIAL 1 5.88% $3,431
    Truist 1 5.30% $4,684
    ALAMEDA MORTGAGE CORPORATION 1 6.62% $4,109
    AMERICAN FINANCING CORPORATION 1 5.88% $22,974
    American Mortgage & Equity Consultants, Inc. 1 7.38% $5,914
    AMERISAVE MORTGAGE CORPORATION 1 6.50% $2,873
    ARC HOME LLC 1 7.88% $3,423
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.13% $3,607
    BancorpSouth 1 6.75% $4,451
    Bank of America 1 6.63% $6,033
    Barrington Bank & Trust Company, N.A. 1 6.13% $4,205
    BETTER MORTGAGE CORPORATION 1 6.50% $3,499
    CHEVRON 1 6.88% $4,469
    Commerce Bank 1 6.88% $3,016
    Commerce Home Mortgage, Inc. 1 9.25% $44,304
    COMPASS MORTGAGE, INC. 1 7.63% $3,202
    CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION 1 7.50% $3,269
    DEEPHAVEN MORTGAGE LLC 1 7.25% $3,665
    Elevations Credit Union 1 7.00% $2,255
    Ent Credit Union 1 5.88% $3,241
    First Financial Bank 1 8.02% $3,219
    First Horizon Bank 1 6.63% $3,689
    FLAT BRANCH MORTGAGE, INC. 1 7.00% $3,280
    FUNDLOANS CAPITAL 1 7.99% $46,862
    Glacier Bank 1 6.13% $2,910
    HOMEXPRESS MORTGAGE CORP. 1 6.63% $45,401
    JMAC LENDING, INC. 1 7.75% $21,057
    KeyBank 1 6.75% $4,942
    Keystone Funding, Inc. 1 5.38% $15,005
    LENDSURE MORTGAGE CORP. 1 7.63% $13,236
    MASON MCDUFFIE MORTGAGE CORPORATION 1 7.25% $3,972
    National Bank of Commerce 1 7.59% $3,170
    NBKC BANK 1 6.50% $2,699
    NEWREZ LLC 1 8.50% $4,359

    Steamboat Springs Average Closing Costs & Other Stats

    Steamboat Springs, CO's 81 lenders originated 620 loans during 2024. The total origination value was $420,860,000, with an average loan value of $678,806.

    Steamboat Springs's average closing costs are $5,151.

    The top Steamboat Springs lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with 64 loans originated. Their average total fees are $7,629, which is $587 lower than the next largest lender, NFM, INC..

    The lowest fee Steamboat Springs lenders (with over 10 loans originated) are Alpine Bank ($3,614), UNITED WHOLESALE MORTGAGE, LLC ($6,861), GROUP MORTGAGE, LLC ($7,295), CROSSCOUNTRY MORTGAGE, LLC ($7,629) and NFM, INC. ($8,216).

    The lowest rate Steamboat Springs lenders (with over 10 loans originated) are U.S. Bank (6.27%), UNITED WHOLESALE MORTGAGE, LLC (6.51%), QUICKEN LOANS, LLC (6.59%), CROSSCOUNTRY MORTGAGE, LLC (6.69%) and Alpine Bank (6.72%).

    Steamboat Springs, CO Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    UNITED WHOLESALE MORTGAGE, LLC $13,370,000 $34,845,000 160.6% 8.3%
    CROSSCOUNTRY MORTGAGE, LLC $34,585,000 $34,285,000 -0.9% 8.1%
    NFM, INC. $31,260,000 $29,270,000 -6.4% 7.0%
    GROUP MORTGAGE, LLC $16,555,000 $23,895,000 44.3% 5.7%
    U.S. Bank $19,130,000 $23,035,000 20.4% 5.5%
    JPMorgan Chase Bank $11,520,000 $20,610,000 78.9% 4.9%
    Alpine Bank $27,380,000 $17,725,000 -35.3% 4.2%
    BOKF $1,425,000 $16,620,000 1,066.3% 3.9%
    Texas Community Bank $16,505,000 n/a 3.9%
    QUICKEN LOANS, LLC $6,070,000 $13,050,000 115.0% 3.1%
    Bank of America $14,590,000 $6,730,000 -53.9% 1.6%
    Zions Bank $16,170,000 $6,655,000 -58.8% 1.6%
    CoreFirst Bank & Trust $6,005,000 n/a 1.4%
    Citibank $7,525,000 $5,705,000 -24.2% 1.4%
    CMG MORTGAGE, INC. $1,370,000 $5,530,000 303.6% 1.3%
    AIR ACADEMY $1,405,000 $4,400,000 213.2% 1.0%
    Charles Schwab Bank, SSB $3,115,000 $4,315,000 38.5% 1.0%
    MOVEMENT MORTGAGE, LLC $4,430,000 $4,255,000 -4.0% 1.0%
    The Huntington National Bank $4,725,000 $4,245,000 -10.2% 1.0%
    Morgan Stanley Private Bank $6,110,000 $3,800,000 -37.8% 0.9%
    UMB Bank $985,000 $3,555,000 260.9% 0.8%
    Raymond James Bank $3,475,000 n/a 0.8%
    PNC Bank $3,190,000 $2,935,000 -8.0% 0.7%
    FirstBank $660,000 $2,870,000 334.8% 0.7%
    Flagstar Bank, FSB $515,000 $2,835,000 450.5% 0.7%
    GUARANTEED RATE, INC. $1,330,000 $2,815,000 111.7% 0.7%
    JMAC LENDING, INC. $1,740,000 $2,590,000 48.9% 0.6%
    Truist $880,000 $2,585,000 193.8% 0.6%
    The Northern Trust Company $755,000 $2,505,000 231.8% 0.6%
    Ent Credit Union $745,000 $2,255,000 202.7% 0.5%
    Farm Credit Mid-America, ACA $2,245,000 n/a 0.5%
    CORNERSTONE HOME LENDING, INC. $2,220,000 n/a 0.5%
    Wells Fargo Bank $13,920,000 $2,210,000 -84.1% 0.5%
    Glacier Bank $755,000 $2,180,000 188.7% 0.5%
    NMSI, INC. $2,065,000 n/a 0.5%
    LENDSURE MORTGAGE CORP. $2,055,000 n/a 0.5%
    LONGBRIDGE FINANCIAL, LLC $2,045,000 n/a 0.5%
    FUNDLOANS CAPITAL $1,985,000 n/a 0.5%
    GUILD MORTGAGE COMPANY $2,270,000 $1,915,000 -15.6% 0.5%
    NBKC BANK $625,000 $1,890,000 202.4% 0.4%
    LOANDEPOT.COM, LLC $1,255,000 $1,830,000 45.8% 0.4%
    Commerce Home Mortgage, Inc. $1,825,000 n/a 0.4%
    PENNYMAC LOAN SERVICES, LLC $410,000 $1,770,000 331.7% 0.4%
    NexBank $1,370,000 $1,705,000 24.5% 0.4%
    V.I.P. MORTGAGE, INC. $1,555,000 $1,610,000 3.5% 0.4%
    BETTER MORTGAGE CORPORATION $1,595,000 n/a 0.4%
    MOUNTAIN AMERICA $1,555,000 n/a 0.4%
    HOMEXPRESS MORTGAGE CORP. $1,550,000 n/a 0.4%
    BMO Harris Bank $4,850,000 $1,435,000 -70.4% 0.3%
    PLAZA HOME MORTGAGE, INC. $1,400,000 n/a 0.3%
    ARC HOME LLC $1,390,000 n/a 0.3%
    Stifel Bank and Trust $2,105,000 $1,380,000 -34.4% 0.3%
    KeyBank $570,000 $1,375,000 141.2% 0.3%
    Towne Bank $1,355,000 n/a 0.3%
    BancorpSouth $3,395,000 $1,325,000 -61.0% 0.3%
    CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION $660,000 $1,300,000 97.0% 0.3%
    Elevations Credit Union $6,120,000 $1,285,000 -79.0% 0.3%
    AMERICAN FINANCING CORPORATION $680,000 $1,270,000 86.8% 0.3%
    American Mortgage & Equity Consultants, Inc. $2,010,000 $1,255,000 -37.6% 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $195,000 $1,255,000 543.6% 0.3%
    Sunflower Bank $1,255,000 n/a 0.3%
    MASON MCDUFFIE MORTGAGE CORPORATION $1,205,000 n/a 0.3%
    Northwest Bank $1,155,000 n/a 0.3%
    Commerce Bank $1,090,000 n/a 0.3%
    FLAT BRANCH MORTGAGE, INC. $1,075,000 n/a 0.3%
    CHURCHILL MORTGAGE CORPORATION $1,070,000 n/a 0.3%
    Logan Finance Corporation $255,000 $1,045,000 309.8% 0.2%
    Franklin Loan Corporation $1,030,000 n/a 0.2%
    Barrington Bank & Trust Company, N.A. $1,015,000 n/a 0.2%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $1,270,000 $930,000 -26.8% 0.2%
    FMS Bank $925,000 n/a 0.2%
    Hometown Equity Mortgage, LLC $485,000 $905,000 86.6% 0.2%
    HSBC BANK USA, NATIONAL ASSOCIATION $2,160,000 $885,000 -59.0% 0.2%
    AMERISAVE MORTGAGE CORPORATION $455,000 $870,000 91.2% 0.2%
    NEWREZ LLC $1,365,000 $870,000 -36.3% 0.2%
    BROKER SOLUTIONS, INC. $630,000 $860,000 36.5% 0.2%
    ADVANCIAL $815,000 n/a 0.2%
    FINANCE OF AMERICA REVERSE LLC $2,240,000 $815,000 -63.6% 0.2%
    Keystone Funding, Inc. $725,000 n/a 0.2%
    SWBC MORTGAGE CORPORATION $1,225,000 $725,000 -40.8% 0.2%
    COMPASS MORTGAGE, INC. $715,000 n/a 0.2%
    FREEDOM MORTGAGE CORPORATION $715,000 n/a 0.2%
    The Federal Savings Bank $715,000 n/a 0.2%
    West Gate Bank $715,000 n/a 0.2%
    Mortgage Research Center, LLC $705,000 n/a 0.2%
    NATIONWIDE EQUITIES CORPORATION $685,000 n/a 0.2%
    NEW DAY FINANCIAL, LLC $655,000 n/a 0.2%
    First Financial Bank $645,000 n/a 0.2%
    VILLAGE CAPITAL MORTGAGE $565,000 $625,000 10.6% 0.1%
    DEEPHAVEN MORTGAGE LLC $605,000 n/a 0.1%
    The Loan Store, Inc. $605,000 n/a 0.1%
    ALAMEDA MORTGAGE CORPORATION $595,000 n/a 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $585,000 n/a 0.1%
    Northpointe Bank $1,130,000 $535,000 -52.7% 0.1%
    MEGASTAR FINANCIAL CORP. $405,000 $525,000 29.6% 0.1%
    UNION HOME MORTGAGE CORP. $525,000 n/a 0.1%
    Figure Lending LLC $240,000 $505,000 110.4% 0.1%
    Willamette Valley Bank $505,000 n/a 0.1%
    CANVAS CREDIT UNION $425,000 $485,000 14.1% 0.1%
    First Horizon Bank $3,005,000 $485,000 -83.9% 0.1%
    CHEVRON $425,000 n/a 0.1%
    MidFirst Bank $4,220,000 $405,000 -90.4% 0.1%
    The Central Trust Bank $405,000 n/a 0.1%
    Bank of England $395,000 n/a 0.1%
    Bethpage Federal Credit Union $1,275,000 $370,000 -71.0% 0.1%
    National Bank of Commerce $365,000 n/a 0.1%
    Sierra Pacific Mortgage Company, Inc. $365,000 n/a 0.1%
    A&D Mortgage LLC $325,000 n/a 0.1%
    NAVY FEDERAL CREDIT UNION $800,000 $310,000 -61.3% 0.1%
    PREMIER MEMBERS CREDIT UNION $680,000 $285,000 -58.1% 0.1%
    RANLIFE, INC. $815,000 $285,000 -65.0% 0.1%
    WINGS FINANCIAL $275,000 n/a 0.1%
    First National Bank $265,000 n/a 0.1%
    UBS Bank USA $11,430,000 $265,000 -97.7% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $255,000 n/a 0.1%
    ALLIANT CREDIT UNION $230,000 $250,000 8.7% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $240,000 n/a 0.1%
    Discover Bank $225,000 n/a 0.1%
    SPRING EQ, LLC $415,000 $225,000 -45.8% 0.1%
    Blue Federal Credit Union $205,000 n/a 0.0%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $360,000 $200,000 -44.4% 0.0%
    BELLCO $1,010,000 $185,000 -81.7% 0.0%
    Mr. Cooper ( Nationstar Mortgage ) $560,000 $165,000 -70.5% 0.0%
    Signature Federal Credit Union $165,000 n/a 0.0%
    American Airlines Federal Credit Union $155,000 n/a 0.0%
    Bank of Colorado $5,385,000 $155,000 -97.1% 0.0%
    21ST MORTGAGE CORPORATION $200,000 $125,000 -37.5% 0.0%
    Credit Union of Denver $280,000 $105,000 -62.5% 0.0%
    SECURITY SERVICE $190,000 $105,000 -44.7% 0.0%
    TOGETHER CREDIT UNION $85,000 n/a 0.0%
    RESIDENTIAL BANCORP $55,000 n/a 0.0%
    PENTAGON FEDERAL CREDIT UNION $235,000 $45,000 -80.9% 0.0%

    Steamboat Springs's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 8.3% market share. In second place, with 8.1%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $34,285,000 in loans. In third place, with 7.0%, is NFM, INC., having originated $29,270,000 in loans. In fourth place, with 5.7%, is GROUP MORTGAGE, LLC, having originated $23,895,000 in loans. In fifth place, with 5.5%, is U.S. Bank, having originated $23,035,000 in loans.

    Steamboat Springs Housing Market Trends (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
    2025-02-01 $942,000 (-19.6%) $2,118,579 (0.0%) 0.00 260
    2025-03-01 $872,000 (-34.2%) $1,988,823 (-1.6%) 0.00 296
    2025-04-01 $862,250 (-1.0%) $1,920,293 (-5.0%) 0.00 317
    2025-05-01 $849,900 (-9.1%) $1,752,358 (-9.7%) 0.00 363
    Steamboat Springs's median listing price for 2025-05-01 was $849,900, a difference of $-84,825 (-9.1%) versus the prior year and $-12,350 versus the prior month.

    Steamboat Springs's median listing price comes in at 0% of the national average.

    Steamboat Springs's average listing price for 2025-05-01 was $1,752,358, a difference of $-187,862 (-9.7%) versus the prior year and $-167,935 versus the prior month.

    For the 2025-05-01 period, Steamboat Springs had 363 MLS listings, a difference of 46 listings (15%) versus the prior month and 198 listings (120%) 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
    2025-02-01 0 days 1,728 sqft
    2025-03-01 0 days 1,578 sqft
    2025-04-01 0 days 1,612 sqft
    2025-05-01 0 days 1,685 sqft
    Steamboat Springs's median listing age (time on market) for 2025-05-01 was 0 days.

    Steamboat Springs's median square footage for active listings during the 2025-05-01 period was 1,685 sqft. One year prior, the average listing was 1,891 sqft.

    Steamboat Springs, CO Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 357 $295,435,000 $827,549
    Refi 76 $52,670,000 $693,026
    Cash Out Refi 74 $32,250,000 $435,811
    Other 72 $32,630,000 $453,194
    Home Improvement 41 $7,875,000 $192,073

    Steamboat Springs's most frequently cited loan purpose was Home Purchase, with 357 originations. The 2nd most popular reason was Refi, with 76 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 245 $165,885,000 $677,082
    7-8% 142 $101,780,000 $716,761
    Over 8% 124 $52,210,000 $421,048
    5-6% 75 $68,565,000 $914,200
    4-5% 4 $1,050,000 $262,500
    <2.5% 2 $30,000 $15,000
    3-4% 2 $760,000 $380,000
    2.5-3% 2 $960,000 $480,000

    During 2024, Steamboat Springs's most frequently originated rate bucket was 6-7%, with 245 originations.

    Loan Sizing (Steamboat Springs, CO MSA)

    Loan Size Originations Total Value Average Loan
    $600k-1000k 146 $108,090,000 $740,342
    $200k-400k 130 $40,490,000 $311,462
    $400k-600k 122 $59,200,000 $485,246
    $Over $1MM 105 $200,875,000 $1,913,095
    $100k-200k 65 $8,905,000 $137,000
    $100,000 or less 52 $3,300,000 $63,462

    Steamboat Springs's loan sizing saw the bucket of loans from $600k-1000k with 146 originations, totaling $108,090,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    60-80% 192 $175,280,000 $912,917
    Under 20% 120 $21,330,000 $177,750
    40-60% 104 $93,480,000 $898,846
    80-100% 91 $58,475,000 $642,582
    20-40% 85 $41,075,000 $483,235
    Over 100% 1 $405,000 $405,000

    Steamboat Springs's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 192 originations, totaling $175,280,000 in origination value.