The median home value in Erie, CO is $764,329.
This is
higher than
the county median home value of $480,800.
The national median home value is $338,100.
The average price of homes sold in Erie, CO is $764,329.
Approximately 84.18% of Erie homes are owned,
compared to 13.78% rented, while
2.04% are vacant.
Erie real estate listings include condos, townhomes, and single family homes for sale.
Commercial properties are also available.
If you see a property you’re interested in, contact a Erie real estate agent to arrange a tour today!
This stunning END UNIT, ranch style townhome combines modern luxury with the convenience of low-maintenance living. Built just 2 years ago, this 3-bedroom, 2-bathroom home feels better than new with thoughtful upgrades and impeccable care. The open-concept living space is filled with natural light, highlighting the sleek quartz countertops in the kitchen, which pair beautifully with stainless steel appliances, custom cabinetry, and a spacious island—perfect for entertaining. The primary suite offers a serene retreat with a 5-piece bathroom and large walk-in closet. Two additional bedrooms provide flexibility for family, guests, or a home office. There is also a large laundry room. The attached 2-car garage ensures plenty of storage and convenience. Located in a desirable neighborhood, the home boasts proximity to schools, parks, and shopping, while its nearly-new condition means you can move in without worry. Solar panels are paid off and will convey- saving you on your energy bills. Community pool coming in 2025!
Where you live means everything and Southern Land Company's commitment to meticulous modern planning and classic neighborhood design creates the perfect setting to enjoy a life well lived Westerly is Southern Land Company's first master planned community in the Denver market. Based off of it's flagship community in Franklin, TN (Westhaven), Westerly is designed with almost 40% open space. You will soon see the difference that design and landscaping has in creating a sense of place. Westerly will include miles of walking trails, parks, a future school site, along with a Village Center. In addition, Westerly Waypoint will be the place you wind down and connect with neighbors and friends while sitting on one of our many front porches or lounge by the pool or warm up by our fit pit. SLC Homes, is Southern Land Company's homebuilding arm and, celebrates the art of the extraordinary and delivers uniqueness, charm, timeliness architecture, and high-end finishes in every home we deliver. You will immediately notice the differences when you walk into your new home at 130 Westerly Blvd, from the grand front porch, cased openings, 10' main level ceilings, open and spacious living space with a cozy fire place. The primary on the main floor with a luxury bath and soaker tub, and walk in closet. A private courtyard perfect for outdoor living. The bonus space above the garage is the perfect place for guests, kids or hobbies. This 3 bed, 2.5 bathroom is one of the first homes available in this distinctive community with incredible views of the Front Range.
Views, Views, Views! Backs to open space with walkout basement **Move in ready***Special Financing available including below market rates** Gorgeous Aspen Floor plan built by Lennar located in the fantastic new community Sunset Village! The main level boasts lots of natural light with it's 2-story great room! The main level has EVP flooring, main level bedroom, full guest bathroom, a beautiful Chef's kitchen with quartz countertops, double ovens, gas cooktop, eat in kitchen island and breakfast nook leading to the covered rear deck. Upstairs has your primary suite with en-suite spa style bathroom, a large loft area, Jack N Jill bathroom for bedrooms' 3 and 4 and bedroom # 2 with it's own full bathroom. The walkout basement is unfinished waiting for your personalization. Additional features include a 3-car garage and the home is equipped with solar. See everything Erie has to offer with its small town feel, majestic mountain views, 63,000sf community center and 20,000sf community Library! Close to shopping/dining, trails and parks!
MOVE IN READY**Special Financing Available Including Below Market Rates**Beautiful paired home built by Lennar! The first level of this two-story home features a generous open floor plan. The chefs style kitchen overlooks the great room. The sliding glass doors provide access to a covered deck, enhancing the overall spaciousness. On the second floor, there are 2 guest bedrooms, with the owner's suite boasting an en-suite bathroom and a walk-in closet for added comfort. The basement is unfinished waiting for your personalization. Home is equipped with solar, and a covered rear patio. Community amenities include, Playground, parks and trails. See everything Erie has to offer with it's small town feel, majestic mountain views, 63,000sf community center and 20,000sf community Library! Close to shopping/dining, trails and parks! Close to I-25, Lafayette and Baseline.
This stunning two-story home boasts a spacious open floor plan with stunning design elements. The kitchen is equipped with quartz countertops, stainless steel appliances, an island, ample cabinet space and EVP flooring. The main level also includes a half bath and a versatile study. Upstairs you'll find the primary suite featuring a large walk-in closet and a spa-style en-suite bathroom. Additionally, there are three more bedrooms, a Jack and Jill bathroom, a full guest bathroom and a convenient laundry room. The lookout basement is unfinished waiting for your personalization. Additional features include a covered ear deck and the home is equipped with solar. See everything Erie has to offer with its small town feel, majestic mountain views, 63,000sf community center and 20,000sf community Library! Close to shopping/dining, trails and parks!**Special Financing Available, including below market rates** December Completion
Welcome to this modern and spacious townhome in Erie. It perfectly blends style, comfort, location, and community. This floor plan has a large covered front patio, perfect for relaxing outdoors right from your living room. The main level is light and open with a sleek modern kitchen equipped with a center island, a cozy gas fireplace off the kitchen, and a powder bath. Upstairs the primary bedroom and primary bath, secondary bedroom, another full bath, laundry room, and a large loft/office space. In the basement is a garden-level bedroom with an en-suite bath that is very private. Enjoy worry-free living as the HOA takes care of trash, snow removal, lawn care, exterior maintenance, hazard insurance, and community gardens with a gazebo and lawn games. Great Schools, Parks, Trails, Shopping, Restaurants, Erie Rec Center, Skate Park, and Library are all nearby. Proximity to Thomas Reservoir offers delightful recreational opportunities right at your doorstep.
This lovely ranch-style manufactured home impresses with its charm, location and potential! Inside, the open floor plan does well to maximize living space and its many windows allow for an abundance of natural light to fill the rooms. This turnkey property has had many upgrades completed within the last 4 years, including new: furnace & central air, windows, roof, covered deck, fencing, landscaping, and paint (inside and out). The kitchen is open and spacious with updated cabinets, countertops, light fixtures and fans. Both the en suite primary bath and 3/4 hall bath have been updated, giving them a modern appearance and feel. Nestled next to Coal Creek, the home sits on a LARGE lot (16,477 sq/ft) with alley access and has ample space for a garage, ADU, or whatever your vision may be! The property also comes with a shed, equipped with underground electric within the fenced area, and a large Conex container sitting outside the fenced area for all of your extra storage needs. A stones throw away from Reliance Park to the north and blocks from downtown to the south, this well cared for home offers quick access to the numerous amenities that Old Town Erie has to offer including dining, shopping, community events/activities, walking/biking trails and the dog park. Opportunity awaits at 835 Briggs, schedule your tour today!
RARE Garage attached to unit, only a few in the complex like this! Discover contemporary living in Erie's sought-after Blue Sky at Vista Ridge community. Step into this inviting ground-floor condo, showcasing an expansive 1289 sq ft layout. Boasting 2 bedrooms and 2 bathrooms strategically positioned on opposite ends of the unit, plus an actual attached garage - a unique gem. Inside, revel in the airy ambiance of the open-concept kitchen and living space, flooded with natural light and anchored by a cozy gas fireplace, perfect for creating a warm atmosphere. Enhancing both style and comfort, this residence offers a credit towards flooring at closing, allowing you to customize with luxury plank or plush carpeting to suit your taste. Enjoy the convenience of nearby attractions, including picturesque parks and scenic trails ideal for outdoor enthusiasts. Indulge in shopping and dining experiences just moments away, or tee off at the renowned Vista Ridge Golf Course. With Boulder's vibrant cultural scene, Denver's urban allure, and DIA's global connections all within a swift 30-minute commute, this location offers both tranquility and accessibility. Seize the opportunity to make this exceptional property your own haven.
RARE Garage attached to unit, only a few in the complex like this! Discover contemporary living in Erie's sought-after Blue Sky at Vista Ridge community. Step into this inviting ground-floor condo, showcasing an expansive 1289 sq ft layout. Boasting 2 bedrooms and 2 bathrooms strategically positioned on opposite ends of the unit, plus an actual attached garage - a unique gem. Inside, revel in the airy ambiance of the open-concept kitchen and living space, flooded with natural light and anchored by a cozy gas fireplace, perfect for creating a warm atmosphere. Enhancing both style and comfort, this residence offers a credit towards flooring at closing, allowing you to customize with luxury plank or plush carpeting to suit your taste. Enjoy the convenience of nearby attractions, including picturesque parks and scenic trails ideal for outdoor enthusiasts. Indulge in shopping and dining experiences just moments away, or tee off at the renowned Vista Ridge Golf Course. With Boulder's vibrant cultural scene, Denver's urban allure, and DIA's global connections all within a swift 30-minute commute, this location offers both tranquility and accessibility. Seize the opportunity to make this exceptional property your own haven.
BOULDER COUNTY!!!Don't let this one get away. Better than new. Breathtaking mountain views. Large lot. 4 Bedrooms 4 Bathrooms + loft. Two story Great Room. Unfinished basement with rough in plumbing. Deep 3-car garage includes an EV charger. A brand new, upgraded category 4 roof installed Oct 2023. Solar lease through sonova fully transferable $55 a month. 10-acre park will be build at the entrance to the community. Seller will include a fence with reasonable offer.
Exceptional Town of Erie living in this 4 bedroom, 4 bathroom + office, 6,298 SF dream home located in Boulder County & BVSD! This home is as inviting as it is spacious. The soaring foyer and grand staircase welcome you to over 4,000 above grade finished square feet of living area. The kitchen is the heart of the home, with a large quartz island, double oven, gas cooktop, walk-in pantry, and eat-in area overlooking the expansive backyard and open space. The kitchen flows into the great room, with a soaring ceiling, oversized windows, and gas fireplace. Rounding out the main floor is a guest suite with 3/4 bath, large office with potential as a 5th bedroom, dedicated laundry room, powder room, and formal dining room opening out to a raised, covered deck. Upstairs hosts the private primary bedroom wing, including two large walk-in closets, en suite 5 piece bath, and views of the adjacent greenbelt. Also on the upper floor are bedrooms two and three, both with walk-in closets, and a shared full bath with direct access from both the hall and bedroom two. The professionally landscaped backyard oasis backs to open space, and boasts an oversized stamped concrete patio, built-in fire pit, hot tub, water feature, and is roughed in for an outdoor kitchen with electric and gas. The unfinished basement provides over 2,200 square feet of opportunity for an exceptional amount of storage, or finished living area to suit your dreams. Within minutes to shops, restaurants, rec center, and library, it's also a short commute to Boulder, Denver, and DIA. Don't miss this opportunity to live on the premiere street within the Flatiron Meadows neighborhood!
Welcome to 550 Pierce Street in Old Town Erie! This charming bungalow offers a unique opportunity in one of Erie's most desirable locations. Perfectly livable as-is or ready for your remodel or new build vision, this property is conveniently situated in an amazing location. Just a short distance to restaurants, downtown shopping, the town pool, and the sports park. Featuring 2 bedrooms and 1 bathroom, the home sits on three lots in the Old Town Residential District, which allows for the addition of an accessory dwelling unit (ADU). New roof (June 2023), Fresh paint (2022), RV parking, Alley access, Storage sheds, Newer hot water boiler and hot water heater, Washer and dryer, Bathroom with a walk-in shower and dual sinks Additionally, mineral and gas rights transfer to the new owner at closing. Don't miss this rare chance to own a property with so much potential in a hard to find location! Whether you're looking to move in, renovate, or build. Seller is offering this property in its current condition.
Welcome to 550 Pierce Street in Old Town Erie! This charming bungalow offers a unique opportunity in one of Erie's most desirable locations. Perfectly livable as-is or ready for your remodel or new build vision, this property is conveniently situated in an amazing location. Just a short distance to restaurants, downtown shopping, the town pool, and the sports park. Featuring 2 bedrooms and 1 bathroom, the home sits on three lots in the Old Town Residential District, which allows for the addition of an accessory dwelling unit (ADU). New roof (June 2023), Fresh paint (2022), RV parking, Alley access, Storage sheds, Newer hot water boiler and hot water heater, Washer and dryer, Bathroom with a walk-in shower and dual sinks Additionally, mineral and gas rights transfer to the new owner at closing. Don't miss this rare chance to own a property with so much potential in a hard to find location! Whether you're looking to move in, renovate, or build. Seller is offering this property in its current condition.
**!!FORMER MODEL!!**SPECIAL FINANCING AVAILABLE**This Arlington is waiting to impress with the convenience of its ranch-style layout along with designer finishes throughout. The main floor offers two generous bedrooms flanking a shared bath offering ideal accommodations for family or guests. The open layout leads you to the back of the home where a beautiful gourmet kitchen awaits and features a quartz center island, roomy pantry and stainless steel appliances. Beyond, the open dining room flows into the welcoming great room with a fireplace. Enjoy meals and conversation on the large covered patio. The nearby primary suite showcases a spacious walk-in closet and a private deluxe bath. A convenient laundry and mud room complete the main level. If that wasn’t enough, this exceptional home includes a finished basement that boasts a wide-open rec room with a stunning wet bar along with a shared bath and two large basement bedrooms with walk-in closets.
Welcome to your perfect home in the heart of Erie! Located in the highly desirable Erie Commons neighborhood, this spacious 5-bedroom, 4-bath home has everything you've been looking for. Inside, you'll find a bright, open floor plan with vaulted ceilings and abundant natural light. The main level includes a versatile bedroom with a full bath nearby-ideal for guests or a home office. Designed for both style and function, the kitchen features granite countertops, cherry cabinets, a newer LG stainless steel refrigerator, Bosch dishwasher, breakfast bar and a generous pantry. The living room is warm and inviting, complete with a cozy fireplace and ample sunlight. Upstairs, the primary suite is a retreat of its own, offering an oversized layout, a 5-piece en-suite bath, and an organizer's dream walk-in closet. Two additional bedrooms, along with a well-equipped laundry room, add to the convenience and charm of the upper floor. The finished basement extends your living space with a large recreational area, an additional bedroom, a full bath, and plenty of storage. Outside, the low-maintenance backyard provides a private oasis. Don't miss the solar panels and back up solar battery. You're conveniently close to Old Town Erie with its vibrant events, as well as the Erie Rec Center, Library, and Erie Park. Don't miss out on this gem-come see all that this home has to offer!
One of the lowest priced homes Old town Erie -4 bedroom raised ranch on large lot, add your finishing touches, updated kitchen with granite counters, new roof 3-24, newer furnace, windows and hot water heater, alley access, oversized carport, 9 x 12 garden building, garden areas, 8 x 6 back deck. Close to Erie Comm Center, schools, downtown and shopping. Exclude W & D, refrigerator is negotiable. Agent is related to Sellers. 24 hr notice to show, M-F 9-3, S & Sun 9-5, exclude mineral rights.
Amazing opportunity in perfect location in Old Town Erie. This charming bungalow has many craftsman details throughout including original hardwood floors, paned windows, molding accents and many custom built-ins. Light and bright front room with tons of natural light makes a great office space. Cozy original fireplace at the great room with custom built ins. Main level bedroom and full bath. Full sized finished basement with large rec area plus a conforming bedroom, and full bathroom. The four season back porch is a nice surprise when headed to the backyard. Spacious backyard with mature landscape also offers a wood workshop and two storage sheds. There is plenty of room for RV parking, and an extra long driveway that meets the one car garage. Walking distance to desirable downtown Erie with tons of shops and restaurants and coffee shops. Erie boasts desirable schools, dinning, walking/bike trails and recreation center. Home is a fixer-upper and being sold AS IS.
Don't miss out on this incredible opportunity with this beautiful home in Erie Highlands! Take advantage of a 3.99% interest rate for the first year with a 1/0 conventional buydown based on 90% LTV, making your dream home even more affordable. *Restrictions apply. See sales counselor for details* Discover the perfect blend of comfort and style in this stunning 3-bedroom, 2.5-bathroom home located in the sought-after Erie Highlands community. Boasting 2,315 square feet, this popular floorplan features a spacious great room, a large flex space, and a deck off the dining room, offering endless opportunities for relaxation and entertainment. The chef-inspired kitchen includes a large eat-in island, sleek white cabinets, quartz countertops, and an arctic white backsplash, complemented by a convenient pantry. Upstairs, you’ll find the laundry room thoughtfully positioned near the bedrooms for added convenience. Enjoy outdoor living with a fully fenced yard, perfect for pets or play, and the convenience of a 2-car garage. With its thoughtful design and high-end finishes, this home is ready to impress. Don't miss your chance to own a home that combines modern elegance with everyday functionality in an unbeatable location! Erie Highlands boasts exceptional amenities, including a stunning pool and a 4,000 sq. ft. clubhouse with a gym, meeting room, and spaces for community gatherings. Families will love having Highlands Elementary School, part of the highly-rated St. Vrain Valley School District, right within the community. Outdoor enthusiasts will appreciate the scenic parks and trails, perfect for enjoying Colorado’s natural beauty. Ideally located between Highway 287 and I-25, the neighborhood offers easy access to Boulder, Downtown Denver, and the entire Front Range. Discover the perfect blend of tranquility and accessibility at Erie Highlands, where your dream home awaits! Actual home may differ from artist's renderings or photography shown.
Where you live means everything and Southern Land Company's commitment to meticulous modern planning and classic neighborhood design creates the perfect setting to enjoy a life well lived Westerly is Southern Land Company's first master planned community in the Denver market. Based off of it's flagship community in Franklin, TN (Westhaven), Westerly is designed with almost 40% open space. You will soon see the difference that design and landscaping has in creating a sense of place. Westerly will include miles of walking trails, parks, a future school site, along with a Village Center. In addition, Westerly Waypoint will be the place you wind down and connect with neighbors and friends while sitting on one of our many front porches or lounge by the pool or warm up by our fit pit. SLC Homes, is Southern Land Company's homebuilding arm and , celebrates the art of the extraordinary and delivers uniqueness, charm, timeliness architecture, and high-end finishes in every home we deliver. You will immediately notice the differences when you walk into your new home at 1552 Ash Drive. This stunning home is located on a large corner lot, has a grand wrap around front porch, cased openings, 10' main level ceilings, open and spacious living space and a vaulted ceiling at the primary bedroom, over-sized walk-in closet, and much more. This four bed, 4.5 bathroom is one of the first homes available in this distinctive community with incredible views of the Front Range.
Where you live means everything and Southern Land Company's commitment to meticulous modern planning and classic neighborhood design creates the perfect setting to enjoy a life well lived Westerly is Southern Land Company's first master planned community in the Denver market. Based off of it's flagship community in Franklin, TN (Westhaven), Westerly is designed with almost 40% open space. You will soon see the difference that design and landscaping has in creating a sense of place. Westerly will include miles of walking trails, parks, a future school site, along with a Village Center. In addition, Westerly Waypoint will be the place you wind down and connect with neighbors and friends while sitting on one of our many front porches or lounge by the pool or warm up by our fit pit. SLC Homes, is Southern Land Company's homebuilding arm and, celebrates the art of the extraordinary and delivers uniqueness, charm, timeliness architecture, and high-end finishes in every home we deliver. You will immediately notice the differences when you walk into your new home at 154 Westerly Blvd, from the grand front porch, cased openings, 10' main level ceilings, open and spacious living space with a cozy fire place and 2 main floor bedrooms. A private courtyard perfect for outdoor living. A main floor primary that offers over-sized walk-in closet, and a luxury primary bath, and much more. This 3 bed, 2.5 bathroom is one of the first homes available in this distinctive community with incredible views of the Front Range.
Where you live means everything and Southern Land Company's commitment to meticulous modern planning and classic neighborhood design creates the perfect setting to enjoy a life well lived Westerly is Southern Land Company's first master planned community in the Denver market. Based off of it's flagship community in Franklin, TN (Westhaven), Westerly is designed with almost 40% open space. You will soon see the difference that design and landscaping has in creating a sense of place. Westerly will include miles of walking trails, parks, a future school site, along with a Village Center. In addition, Westerly Waypoint will be the place you wind down and connect with neighbors and friends while sitting on one of our many front porches or lounge by the pool or warm up by our fit pit. SLC Homes, is Southern Land Company's homebuilding arm and, celebrates the art of the extraordinary and delivers uniqueness, charm, timeliness architecture, and high-end finishes in every home we deliver. You will immediately notice the differences when you walk into your new home at 146 Westerly Blvd, from the grand front porch, cased openings, 10' main level ceilings, open and spacious living space with a cozy fire place. The primary on the main floor with a luxury bath and soaker tub, and walk in closet. A private courtyard perfect for outdoor living. This 3 bed, 2.5 bathroom is one of the first homes available in this distinctive community with incredible views of the Front Range.
Previous Model Home with all the bells and whistles!! This paired villa by SLC Homes has views of the Mountains looking over the Westerly Waypoint, a state-of-the-art resort style amenity center. Situated just steps away from this lifestyle epicenter, you will have immediate access to the pool and spa, park, fitness center, outdoor communal living space, and retail. Inside your home, you will have 2,054 square feet of living space outfitted with the highest-level interior design package the builder offered. This high-quality craftsman home includes cased windows, a full-tile kitchen backsplash, under- and upper-cabinet lighting, a home office, quartz countertops, and smart- and healthy-home devices. Upstairs has 3 bedrooms and a loft area, primary has a beautifully appointed bathroom and breathtaking mountain views. Unfinished basement is ready for you to finish off as you desire or leave as extra storage. Attached 2 car garage with high ceilings for ultimate convenience. Now is the time to own your dream home on one of the few lots next to The Westerly Waypoint and enjoy every detail your home and neighborhood offers.
Where you live means everything and Southern Land Company's commitment to meticulous modern planning and classic neighborhood design creates the perfect setting to enjoy a life well lived Westerly is Southern Land Company's first master planned community in the Denver market. Based off of it's flagship community in Franklin, TN (Westhaven), Westerly is designed with almost 40% open space. You will soon see the difference that design and landscaping has in creating a sense of place. Westerly will include miles of walking trails, parks, a future school site, along with a Village Center. In addition, Westerly Waypoint will be the place you wind down and connect with neighbors and friends while sitting on one of our many front porches or lounge by the pool or warm up by our fit pit. SLC Homes, is Southern Land Company's homebuilding arm and, celebrates the art of the extraordinary and delivers uniqueness, charm, timeliness architecture, and high-end finishes in every home we deliver. You will immediately notice the differences when you walk into your new home at 138 Westerly Blvd, from the grand front porch, cased openings, 10' main level ceilings, open and spacious living space with a cozy fire place and 2 main floor bedrooms. A private courtyard perfect for outdoor living. A main floor primary that offers over-sized walk-in closet, and a luxury primary bath, and much more. This 4 bed, 2.5 bathroom is one of the first homes available in this distinctive community with incredible views of the Front Range.
Welcome to Erie Highlands, where Oakwood Homes presents this exquisite, turnkey masterpiece offering the pinnacle of luxury living! Why wait on a new build when you can move in right now? This home is designed for both relaxation and productivity, featuring fiber optic directly into the home, a front office for your work-from-home needs and a spacious top-floor loft ideal for any lifestyle. Upon entering, you're greeted by an inviting foyer that opens into an expansive main living area. The open concept seamlessly connects the living room, dining area, and a chef-inspired gourmet kitchen-perfect for hosting gatherings of any size. With a large quartz-topped island, ample pantry space, and floods of natural light, this kitchen is both a chef's delight and a dream space for entertaining. Beyond the main living spaces, two bonus rooms offer extra flexibility for entertaining or relaxing, making this home as versatile as it is elegant. Additional highlights include a durable concrete tile roof, a convenient butler's pantry, brand-new carpet, and a new kitchen refrigerator. Erie Highlands enhances the lifestyle with exclusive amenities such as a hot tub, clubhouse with gym, and scenic trails, walking distance to schools, within easy reach of I-25, Hwy 52, 119, and 287 for effortless commuting. Plus, the unfinished basement-featuring rough-in plumbing for a future bathroom-offers endless potential as extra storage, a personal gym, or even the basement of your dreams. Don't miss this unique opportunity to enjoy comfort, luxury, and convenience in one extraordinary home. Schedule your showing today and experience Erie Highlands at its finest!
Move In Ready! Stunning Davis floorplan built by Lennar. Main level living at its finest with an open layout that includes a chefs kitchen with a large eat in kitchen island, quartz countertops, pantry, EVP floors, double ovens, gas cooktop, lots of cabinet space, breakfast nook, large great room with fireplace, guest bedroom , guest full bathroom, private office and your primary suite and a luxurious spa bathroom. Relax out on the large rear covered deck! Head upstairs to the guest suite with bedroom, bathroom and loft!! Some additional features include 3 car garage and Solar. See everything Erie has to offer with it's small town feel, majestic mountain views, 63,000sf community center and 20,000sf community Library! Close to shopping/dining, trails and parks! **Ask about special financing including below market rates**