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Fort Collins

Current Mortgage Rates in Fort Collins, Colorado

Compare mortgage rates and fees for leading lenders in Fort Collins, CO. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lender offering the best mortgage rates in Fort Collins.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Fort Collins. Plus, shopping lenders is free and there is no obligation.

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Mortgage Rates in Fort Collins, CO as of December 11, 2019
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Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click for more information on rates and product details.

How Do Today's Fort Collins, CO Mortgage Rates Compare?

December 11, 2019

The current average rate for a 30 year fixed rate mortgage in Fort Collins is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Today's
Fort Collins, CO Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.690%
15 Year Fixed Rate
B.BBB%
3.150%
5/1 Adjustable Rate Mortgage
C.CCC%
3.350%

How Affordable is Housing in Fort Collins, Colorado?

The median home value for Fort Collins, CO (Larimer County) is $397,939

The median household income for Fort Collins, CO (Larimer County) is $66,966

Based on current mortgage rates and a 10% down payment, you need to make $73,830 per year to buy the median priced home in Fort Collins

The home price you can afford to buy based on household income in Fort Collins is 91% of the median home value which means housing prices are expensive

Fort Collins (Larimer County) ranks 48 out of 64 counties in Colorado and 3,043 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Fort Collins, CO is expensive

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Loan Limits for Fort Collins, Colorado

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Fort Collins (Larimer County) below.

Conforming loan limits for Fort Collins, CO

1 unit: $484,350
2 units: $620,200
3 units: $749,650
4 units: $931,600

FHA loan limits for Fort Collins, CO

1 unit: $437,000
2 units: $559,450
3 units: $676,200
4 units: $840,400

VA loan limits for Fort Collins, CO

1 unit: $484,350

Additional Mortgage Resources for Fort Collins, CO Residents

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Pueblo Mortgage Rates

Sources

US Census Bureau American Community Survey: https://www.census.gov/programs-surveys/acs

FHFA House Price Index: https://www.fhfa.gov/DataTools/Downloads/Pages/House-Price-Index-Datasets.aspx#qat

Income Growth: https://www.bls.gov

National Average Rates: http://www.freddiemac.com/pmms/

Conforming Loan Limits: https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx

FHA Loan Limits: https://entp.hud.gov/idapp/html/hicostlook.cfm

VA Loan Limits: https://www.benefits.va.gov/homeloans/purchaseco_loan_limits.asp

FREEandCLEAR Housing Affordability Index