Steamboat Springs Mortgage Rates & Closing Costs

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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 6.95% for the week of 2025-02-13, compared to the national average of 6.87% for the same period.

    The average rate for the prior week (2025-02-06) was 6.67% and one month ago for the week of 2025-01-09, the average rate was 7.01%.

    Steamboat Springs's average rate one year ago was 6.52%.

    For refis of the same type during the week of 2025-02-13, the average rate was 6.87%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-02-13 6.87%
    Steamboat Springs 30 Year Fixed Rate 2025-02-13 6.95%
    Steamboat Springs 30 Year Fixed Rate Refi 2025-02-13 6.87%
    Steamboat Springs 15 Year Fixed Rate 2025-02-13 5.89%
    Steamboat Springs 15 Year Fixed Rate Refi 2025-02-13 6.19%
    Steamboat Springs 30 Year FHA 2025-02-13 6.72%
    Steamboat Springs 30 Year FHA Refi 2025-02-13 6.42%
    Steamboat Springs 30 Year USDA 2025-02-13 6.53%
    Steamboat Springs 30 Year USDA Refi 2025-02-13 6.53%
    Steamboat Springs 30 Year VA 2025-02-13 6.63%
    Steamboat Springs 30 Year VA Refi 2025-02-13 6.53%
    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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    CROSSCOUNTRY MORTGAGE, LLC 49 6.82% $8,806
    NFM, INC. 46 7.19% $9,340
    GROUP MORTGAGE, LLC 21 7.15% $9,650
    UNITED WHOLESALE MORTGAGE, LLC 18 6.59% $8,506
    Alpine Bank 16 7.50% $8,500
    U.S. Bank 14 6.29% $8,309
    QUICKEN LOANS, LLC 13 6.55% $10,575
    Wells Fargo Bank 11 5.78% $5,986
    Zions Bank 8 5.52% $4,116
    UBS Bank USA 8 6.03% $5,214
    Morgan Stanley Private Bank 6 5.88% $3,376
    The Huntington National Bank 6 6.67% $3,701
    Bank of America 6 5.92% $5,817
    Elevations Credit Union 6 6.79% $3,194
    MOVEMENT MORTGAGE, LLC 6 7.31% $4,724
    Citibank 5 5.23% $4,029
    JPMorgan Chase Bank 5 5.83% $6,076
    Ally Bank 3 5.71% $16,029
    V.I.P. MORTGAGE, INC. 3 7.38% $6,747
    American Mortgage & Equity Consultants, Inc. 3 6.50% $9,786
    GUILD MORTGAGE COMPANY 3 6.87% $13,042
    Charles Schwab Bank, SSB 3 5.68% $3,150
    SWBC MORTGAGE CORPORATION 3 7.13% $7,719
    PACIFIC RESIDENTIAL MORTGAGE, LLC 2 6.56% $15,598
    First Western Trust Bank 2 6.63% $1,684
    NexBank 2 7.50% $5,931
    CMG MORTGAGE, INC. 2 7.56% $9,299
    BOKF 2 6.38% $6,437
    Truist 2 6.18% $3,548
    Bank of Colorado 2 6.94% $4,700
    GUARANTEED RATE, INC. 2 8.38% $9,059
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.31% $11,932
    ON Q FINANCIAL, INC. 1 7.63% $8,706
    Plains Commerce Bank 1 6.50% $12,713
    PNC Bank 1 6.75% $8,561
    Popular Bank 1 4.88% $9,049
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.38% $5,059
    RANLIFE, INC. 1 6.99% $28,500
    REDWOOD RESIDENTIAL ACQUISITION CORPORATION 1 8.63% $14,563
    Regions Bank 1 5.88% $3,958
    Royal Credit Union 1 5.50% $8,125
    S1L, Inc. 1 7.63% $8,237
    Stifel Bank and Trust 1 5.63% $4,956
    The Northern Trust Company 1 5.88% $4,469
    Third Federal Savings and Loan Association of Cleveland 1 6.99% $0
    UMB Bank 1 6.89% $2,055
    Univest Bank and Trust Co. 1 5.63% $3,615
    Valley National Bank 1 5.75% $3,818
    WESTERRA CREDIT UNION 1 6.13% $7,082
    ZILLOW HOME LOANS, LLC 1 7.13% $3,798
    Northpointe Bank 1 6.38% $7,375
    AIR ACADEMY 1 6.03% $10,648
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.88% $30,030
    AMERISAVE MORTGAGE CORPORATION 1 6.63% $19,531
    BancorpSouth 1 5.88% $3,946
    BAY EQUITY LLC 1 7.38% $12,458
    Bell Bank 1 6.25% $17,900
    Bethpage Federal Credit Union 1 6.00% $4,906
    BMO Harris Bank 1 6.63% $5,318
    BROKER SOLUTIONS, INC. 1 7.38% $3,497
    Carrington Mortgage Services, LLC 1 6.38% $9,556
    CARTER FEDERAL CREDIT UNION 1 6.88% $3,455
    CHERRY CREEK MORTGAGE, LLC 1 7.38% $974
    Citizens Bank 1 6.25% $3,125
    DELMAR FINANCIAL COMPANY 1 7.38% $324
    Ent Credit Union 1 5.25% $4,412
    FirstBank 1 7.00% $3,479
    FIRST CENTENNIAL MORTGAGE CORPORATION 1 7.00% $11,046
    First Horizon Bank 1 7.88% $11,386
    Flagstar Bank, FSB 1 8.09% $4,614
    Ixonia Bank 1 7.38% $6,383
    JMAC LENDING, INC. 1 9.13% $4,535
    LOANDEPOT.COM, LLC 1 7.13% $11,953
    MEGASTAR FINANCIAL CORP. 1 7.00% $5,438
    MidFirst Bank 1 6.00% $43,290
    M&T Bank 1 6.25% $5,758
    NATIONS DIRECT MORTGAGE, LLC 1 7.50% $4,386
    NAVY FEDERAL CREDIT UNION 1 5.38% $1,328
    NBKC BANK 1 6.25% $7,953
    NEWREZ LLC 1 6.13% $16,805
    ACADEMY MORTGAGE CORPORATION 1 7.25% $6,437
    Old National Bank 1 6.75% $3,170

    Steamboat Springs Average Closing Costs & Other Stats

    Steamboat Springs, CO's 82 lenders originated 629 loans during 2023. The total origination value was $491,115,000, with an average loan value of $780,787.

    Steamboat Springs's average closing costs are $4,964.

    The top Steamboat Springs lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with 49 loans originated. Their average total fees are $8,806, which is $533 lower than the next largest lender, NFM, INC..

    The lowest fee Steamboat Springs lenders (with over 10 loans originated) are Wells Fargo Bank ($5,986), U.S. Bank ($8,309), Alpine Bank ($8,500), UNITED WHOLESALE MORTGAGE, LLC ($8,506) and CROSSCOUNTRY MORTGAGE, LLC ($8,806).

    The lowest rate Steamboat Springs lenders (with over 10 loans originated) are Wells Fargo Bank (5.78%), U.S. Bank (6.29%), QUICKEN LOANS, LLC (6.55%), UNITED WHOLESALE MORTGAGE, LLC (6.59%) and CROSSCOUNTRY MORTGAGE, LLC (6.82%).

    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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    ORIX REAL ESTATE CAPITAL, LLC $80,430,000 n/a 16.4%
    CROSSCOUNTRY MORTGAGE, LLC $37,895,000 $34,585,000 -8.7% 7.0%
    NFM, INC. $25,495,000 $31,260,000 22.6% 6.4%
    Alpine Bank $64,975,000 $27,380,000 -57.9% 5.6%
    U.S. Bank $29,525,000 $19,130,000 -35.2% 3.9%
    GROUP MORTGAGE, LLC $1,785,000 $16,555,000 827.5% 3.4%
    Zions Bank $54,485,000 $16,170,000 -70.3% 3.3%
    Bank of America $13,775,000 $14,590,000 5.9% 3.0%
    Wells Fargo Bank $18,035,000 $13,920,000 -22.8% 2.8%
    UNITED WHOLESALE MORTGAGE, LLC $31,640,000 $13,370,000 -57.7% 2.7%
    JPMorgan Chase Bank $49,245,000 $11,520,000 -76.6% 2.3%
    UBS Bank USA $10,315,000 $11,430,000 10.8% 2.3%
    Citibank $8,010,000 $7,525,000 -6.1% 1.5%
    Elevations Credit Union $3,190,000 $6,120,000 91.8% 1.2%
    Morgan Stanley Private Bank $11,955,000 $6,110,000 -48.9% 1.2%
    Nicolet National Bank $6,075,000 n/a 1.2%
    QUICKEN LOANS, LLC $15,285,000 $6,070,000 -60.3% 1.2%
    Bank of Colorado $8,830,000 $5,385,000 -39.0% 1.1%
    Citizens Bank & Trust $5,205,000 n/a 1.1%
    BMO Harris Bank $4,850,000 n/a 1.0%
    The Huntington National Bank $5,830,000 $4,725,000 -19.0% 1.0%
    MOVEMENT MORTGAGE, LLC $4,620,000 $4,430,000 -4.1% 0.9%
    MidFirst Bank $1,710,000 $4,220,000 146.8% 0.9%
    BancorpSouth $3,195,000 $3,395,000 6.3% 0.7%
    PNC Bank $7,150,000 $3,190,000 -55.4% 0.6%
    Charles Schwab Bank, SSB $11,665,000 $3,115,000 -73.3% 0.6%
    M&T Bank $1,365,000 $3,105,000 127.5% 0.6%
    First Horizon Bank $3,005,000 n/a 0.6%
    Ally Bank $1,110,000 $2,605,000 134.7% 0.5%
    GUILD MORTGAGE COMPANY $4,905,000 $2,270,000 -53.7% 0.5%
    FINANCE OF AMERICA REVERSE LLC $2,620,000 $2,240,000 -14.5% 0.5%
    First Western Trust Bank $33,775,000 $2,230,000 -93.4% 0.5%
    PACIFIC RESIDENTIAL MORTGAGE, LLC $2,180,000 n/a 0.4%
    HSBC BANK USA, NATIONAL ASSOCIATION $2,160,000 n/a 0.4%
    Stifel Bank and Trust $1,405,000 $2,105,000 49.8% 0.4%
    American Mortgage & Equity Consultants, Inc. $1,170,000 $2,010,000 71.8% 0.4%
    Foundation One Bank $1,995,000 n/a 0.4%
    AMERICAN PACIFIC MORTGAGE CORPORATION $1,765,000 n/a 0.4%
    JMAC LENDING, INC. $1,740,000 n/a 0.4%
    V.I.P. MORTGAGE, INC. $1,555,000 n/a 0.3%
    Midwest BankCentre $1,525,000 n/a 0.3%
    BOKF $2,560,000 $1,425,000 -44.3% 0.3%
    AIR ACADEMY $3,660,000 $1,405,000 -61.6% 0.3%
    Old National Bank $1,045,000 $1,405,000 34.4% 0.3%
    CMG MORTGAGE, INC. $4,645,000 $1,370,000 -70.5% 0.3%
    NexBank $1,445,000 $1,370,000 -5.2% 0.3%
    NEWREZ LLC $980,000 $1,365,000 39.3% 0.3%
    Origin Bank $1,365,000 n/a 0.3%
    Western Bank $1,345,000 n/a 0.3%
    GUARANTEED RATE, INC. $7,015,000 $1,330,000 -81.0% 0.3%
    Valley National Bank $1,305,000 n/a 0.3%
    Platte Valley Bank $1,285,000 n/a 0.3%
    Bethpage Federal Credit Union $1,275,000 n/a 0.3%
    Plains Commerce Bank $2,700,000 $1,275,000 -52.8% 0.3%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $6,265,000 $1,270,000 -79.7% 0.3%
    LOANDEPOT.COM, LLC $2,940,000 $1,255,000 -57.3% 0.3%
    SWBC MORTGAGE CORPORATION $1,650,000 $1,225,000 -25.8% 0.2%
    CAPITAL CREDIT UNION $465,000 $1,205,000 159.1% 0.2%
    Northpointe Bank $1,845,000 $1,130,000 -38.8% 0.2%
    Bell Bank $1,125,000 n/a 0.2%
    BELLCO $960,000 $1,010,000 5.2% 0.2%
    Collins State Bank $1,005,000 n/a 0.2%
    REDWOOD RESIDENTIAL ACQUISITION CORPORATION $2,775,000 $995,000 -64.1% 0.2%
    UMB Bank $5,640,000 $985,000 -82.5% 0.2%
    Ixonia Bank $965,000 n/a 0.2%
    Popular Bank $955,000 n/a 0.2%
    Truist $1,900,000 $880,000 -53.7% 0.2%
    First Federal Bank of Louisiana $855,000 n/a 0.2%
    CARTER FEDERAL CREDIT UNION $820,000 n/a 0.2%
    RANLIFE, INC. $265,000 $815,000 207.5% 0.2%
    Merchants Mortgage & Trust Corporation $805,000 n/a 0.2%
    NAVY FEDERAL CREDIT UNION $1,015,000 $800,000 -21.2% 0.2%
    Glacier Bank $3,160,000 $755,000 -76.1% 0.2%
    HIWAY $755,000 n/a 0.2%
    The Northern Trust Company $3,000,000 $755,000 -74.8% 0.2%
    Sooper Credit Union $880,000 $750,000 -14.8% 0.2%
    Ent Credit Union $1,130,000 $745,000 -34.1% 0.2%
    CONTOUR MORTGAGE CORPORATION $725,000 n/a 0.1%
    CrossFirst Bank $725,000 n/a 0.1%
    FIRST CENTENNIAL MORTGAGE CORPORATION $325,000 $725,000 123.1% 0.1%
    Univest Bank and Trust Co. $715,000 n/a 0.1%
    First Federal Bank $705,000 n/a 0.1%
    AMERICAN FINANCING CORPORATION $3,225,000 $680,000 -78.9% 0.1%
    PREMIER MEMBERS CREDIT UNION $620,000 $680,000 9.7% 0.1%
    CREDIT UNION OF COLORADO, A FEDERAL CREDIT UNION $1,385,000 $660,000 -52.3% 0.1%
    FirstBank $5,560,000 $660,000 -88.1% 0.1%
    PROVIDENT FUNDING ASSOCIATES, L.P. $1,160,000 $655,000 -43.5% 0.1%
    BROKER SOLUTIONS, INC. $1,510,000 $630,000 -58.3% 0.1%
    NBKC BANK $165,000 $625,000 278.8% 0.1%
    IDEAL HOME LOANS LLC $605,000 n/a 0.1%
    KeyBank $5,095,000 $570,000 -88.8% 0.1%
    BAY EQUITY LLC $3,865,000 $565,000 -85.4% 0.1%
    VILLAGE CAPITAL MORTGAGE $515,000 $565,000 9.7% 0.1%
    ZILLOW HOME LOANS, LLC $565,000 n/a 0.1%
    Mr. Cooper ( Nationstar Mortgage ) $1,000,000 $560,000 -44.0% 0.1%
    CHERRY CREEK MORTGAGE, LLC $10,210,000 $545,000 -94.7% 0.1%
    Pinnacle Bank $375,000 $545,000 45.3% 0.1%
    Flagstar Bank, FSB $1,500,000 $515,000 -65.7% 0.1%
    Bank of the West $4,130,000 $505,000 -87.8% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $780,000 $495,000 -36.5% 0.1%
    Hometown Equity Mortgage, LLC $485,000 n/a 0.1%
    NATIONS DIRECT MORTGAGE, LLC $715,000 $485,000 -32.2% 0.1%
    NBH Bank $1,330,000 $475,000 -64.3% 0.1%
    Royal Credit Union $475,000 n/a 0.1%
    AMERISAVE MORTGAGE CORPORATION $680,000 $455,000 -33.1% 0.1%
    USAlliance Federal Credit Union $450,000 n/a 0.1%
    ON Q FINANCIAL, INC. $435,000 n/a 0.1%
    Regions Bank $435,000 n/a 0.1%
    CANVAS CREDIT UNION $1,415,000 $425,000 -70.0% 0.1%
    Gateway First Bank $710,000 $425,000 -40.1% 0.1%
    WESTERRA CREDIT UNION $425,000 n/a 0.1%
    SPRING EQ, LLC $685,000 $415,000 -39.4% 0.1%
    PENNYMAC LOAN SERVICES, LLC $1,830,000 $410,000 -77.6% 0.1%
    MEGASTAR FINANCIAL CORP. $3,420,000 $405,000 -88.2% 0.1%
    Citizens Bank $395,000 n/a 0.1%
    Loan Simple, Inc. $395,000 n/a 0.1%
    FIRST TECHNOLOGY $360,000 n/a 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $445,000 $360,000 -19.1% 0.1%
    Centier Bank $325,000 n/a 0.1%
    ACADEMY MORTGAGE CORPORATION $1,375,000 $305,000 -77.8% 0.1%
    AMWEST FUNDING CORP. $295,000 n/a 0.1%
    S1L, Inc. $1,400,000 $285,000 -79.6% 0.1%
    Credit Union of Denver $995,000 $280,000 -71.9% 0.1%
    USAA Federal Savings Bank $265,000 n/a 0.1%
    DELMAR FINANCIAL COMPANY $255,000 n/a 0.1%
    Logan Finance Corporation $255,000 n/a 0.1%
    Figure Lending LLC $240,000 $240,000 0.0% 0.0%
    AMCAP MORTGAGE, LTD. $235,000 n/a 0.0%
    PENTAGON FEDERAL CREDIT UNION $1,200,000 $235,000 -80.4% 0.0%
    ALLIANT CREDIT UNION $375,000 $230,000 -38.7% 0.0%
    OAKTREE FUNDING CORP. $1,105,000 $205,000 -81.4% 0.0%
    21ST MORTGAGE CORPORATION $200,000 n/a 0.0%
    MUTUAL OF OMAHA MORTGAGE, INC. $525,000 $195,000 -62.9% 0.0%
    SECURITY SERVICE $935,000 $190,000 -79.7% 0.0%
    Carrington Mortgage Services, LLC $185,000 n/a 0.0%
    Coastal Community Bank $160,000 n/a 0.0%
    Third Federal Savings and Loan Association of Cleveland $410,000 $135,000 -67.1% 0.0%
    CREDIT HUMAN FEDERAL CREDIT UNION $75,000 $105,000 40.0% 0.0%
    Community National Bank & Trust $45,000 n/a 0.0%

    Steamboat Springs's top lender by overall market share is ORIX REAL ESTATE CAPITAL, LLC, with 16.4% market share. In second place, with 7.0%, is CROSSCOUNTRY MORTGAGE, LLC, having originated $34,585,000 in loans. In third place, with 6.4%, is NFM, INC., having originated $31,260,000 in loans. In fourth place, with 5.6%, is Alpine Bank, having originated $27,380,000 in loans. In fifth place, with 3.9%, is U.S. Bank, having originated $19,130,000 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
    Steamboat Springs's median listing price for 2025-01-01 was $1,198,150, a difference of $65,650 (5.8%) versus the prior year and $224,400 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 2025-01-01 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 listing age (time on market) for 2025-01-01 was 0 days.

    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.

    Steamboat Springs, CO Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 367 $359,955,000 $980,804
    Other 72 $39,380,000 $546,944
    Cash Out Refi 67 $39,625,000 $591,418
    Refi 62 $39,500,000 $637,097
    Home Improvement 61 $12,655,000 $207,459

    Steamboat Springs's most frequently cited loan purpose was Home Purchase, with 367 originations. The 2nd most popular reason was Other, with 72 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    7-8% 162 $101,320,000 $625,432
    6-7% 157 $105,795,000 $673,854
    Over 8% 142 $47,650,000 $335,563
    5-6% 99 $95,225,000 $961,869
    4-5% 10 $17,990,000 $1,799,000
    3-4% 3 $3,235,000 $1,078,333
    <2.5% 2 $80,430,000 $40,215,000
    2.5-3% 1 $105,000 $105,000

    During 2023, Steamboat Springs's most frequently originated rate bucket was 7-8%, with 162 originations.

    Loan Sizing (Steamboat Springs, CO MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 158 $47,790,000 $302,468
    $600k-1000k 131 $101,345,000 $773,626
    $400k-600k 127 $61,285,000 $482,559
    $Over $1MM 109 $269,535,000 $2,472,798
    $100k-200k 61 $8,455,000 $138,607
    $100,000 or less 43 $2,705,000 $62,907

    Steamboat Springs's loan sizing saw the bucket of loans from $200k-400k with 158 originations, totaling $47,790,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    60-80% 181 $162,345,000 $896,934
    Under 20% 118 $23,350,000 $197,881
    40-60% 94 $74,940,000 $797,234
    80-100% 92 $67,270,000 $731,196
    20-40% 88 $42,880,000 $487,273
    Over 100% 3 $80,825,000 $26,941,667

    Steamboat Springs's loan sizing saw loans grouped in the 60-80% Loan-to-value bucket with 181 originations, totaling $162,345,000 in origination value.