Steamboat Springs Mortgage Rates & Closing Costs
30 Year Fixed Rate mortgages in Steamboat Springs averaged
6.81%
for the week of 2025-05-22, compared to the national average of
6.86% for the same period.
The average rate for the prior week (2025-05-15) was
6.66% and
one month ago for the week of 2025-04-17, the
average rate was 6.88%.
Steamboat Springs's average rate one year ago was 7.07%.
For refis of the same type during the week of 2025-05-22, the average rate
was 7.26%.
| Loan Type | Date | Rate |
|---|---|---|
| US 30 Year Fixed Rate | 2025-05-22 | 6.86% |
| Steamboat Springs 30 Year Fixed Rate | 2025-05-22 | 6.81% |
| Steamboat Springs 30 Year Fixed Rate Refi | 2025-05-22 | 7.26% |
| Steamboat Springs 15 Year Fixed Rate | 2025-05-22 | 5.91% |
| Steamboat Springs 15 Year Fixed Rate Refi | 2025-05-22 | 6.41% |
| Steamboat Springs 30 Year FHA | 2025-05-22 | 6.41% |
| Steamboat Springs 30 Year FHA Refi | 2025-05-22 | 6.41% |
| Steamboat Springs 30 Year USDA | 2025-05-22 | 6.33% |
| Steamboat Springs 30 Year USDA Refi | 2025-05-22 | 6.63% |
| Steamboat Springs 30 Year VA | 2025-05-22 | 6.42% |
| Steamboat Springs 30 Year VA Refi | 2025-05-22 | 6.42% |
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.).
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 |
Steamboat Springs's median listing price comes in at 0% of the national average.
Steamboat Springs's average listing price for 2025-04-01 was $1,920,293, a difference of $-101,254 (-5.0%) versus the prior year and $-68,530 versus the prior month.
For the 2025-04-01 period, Steamboat Springs had 317 MLS listings, a difference of 21 listings (7%) versus the prior month and 214 listings (208%) 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 |
Steamboat Springs's median square footage for active listings during the 2025-04-01 period was 1,612 sqft. One year prior, the average listing was 2,130 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.