Atlanta FHA Loan Rates, Closing Costs & Stats

ATLANTA-SANDY SPRINGS-ALPHARETTA, GA

FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

For additional requirements as defined by the FHA, click here.

Atlanta's 303 lenders originated 24,467 FHA loans during 2023. The total origination value was $7,593,945,000, with an average FHA loan value of $310,375.

Atlanta FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in Atlanta averaged 6.52% for the week of 2024-06-14, compared to the national average (all FHA variants) of 6.712% for the same period.

Atlanta's average FHA mortgage closing costs are $8,809.

The average rate for the prior week (2024-06-07) was 6.71% and one month ago for the week of 2024-05-10, the average rate was 6.69%.

The average rate one year ago was 6.65%.

For refis of the same type during the week of 2024-06-14, the average rate was 6.9%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

Atlanta FHA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Atlanta level.

Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
QUICKEN LOANS, LLC 2,364 6.11% $13,327
UNITED WHOLESALE MORTGAGE, LLC 1,994 6.22% $14,264
BROKER SOLUTIONS, INC. 1,019 6.22% $14,308
EVERETT FINANCIAL, INC. 680 7.17% $14,764
LOANDEPOT.COM, LLC 667 6.25% $13,527
DHI MORTGAGE COMPANY, LTD. 632 5.50% $9,717
HOMESTAR FINANCIAL CORPORATION 565 6.43% $10,159
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 531 6.65% $12,980
Ameris Bank 474 6.18% $15,014
CROSSCOUNTRY MORTGAGE, LLC 468 6.64% $14,277
AMERICAN FINANCING CORPORATION 422 6.30% $12,083
SOUTHEAST MORTGAGE OF GEORGIA, INC. 421 6.58% $14,816
FREEDOM MORTGAGE CORPORATION 383 6.71% $15,122
BANKSOUTH MORTGAGE COMPANY, LLC 365 6.23% $13,830
PENNYMAC LOAN SERVICES, LLC 362 6.01% $14,484
MOVEMENT MORTGAGE, LLC 359 6.56% $14,063
First Option Mortgage, LLC 334 6.95% $15,813
CARDINAL FINANCIAL 308 6.27% $14,047
VANDERBILT MORTGAGE AND FINANCE, INC. 279 6.25% $13,279
Mr. Cooper ( Nationstar Mortgage ) 278 6.09% $16,202
NEWREZ LLC 273 6.35% $13,541
GUARANTEED RATE, INC. 255 6.38% $12,908
Equity Prime Mortgage LLC 214 6.74% $14,611
HOMEOWNERS FINANCIAL GROUP USA, LLC 211 6.58% $15,542
Carrington Mortgage Services, LLC 204 6.26% $14,822
Paramount Residential Mortgage Group, Inc. 196 6.44% $14,585
AMERICAN FINANCIAL NETWORK, INC. 195 6.91% $14,459
INSPIRE HOME LOANS INC. 195 5.79% $12,176
Prosperity Home Mortgage, LLC 190 6.27% $12,481
AMERISAVE MORTGAGE CORPORATION 187 5.95% $15,970
Synovus Bank 187 6.16% $13,547
US MORTGAGE CORPORATION 181 6.84% $15,135
ZILLOW HOME LOANS, LLC 176 6.37% $12,429
FBC MORTGAGE, LLC 171 5.27% $10,704
NFM, INC. 169 6.82% $12,289
MILEND, INC. 165 6.43% $17,347
ACADEMY MORTGAGE CORPORATION 154 6.52% $17,190
FIRST COMMUNITY MORTGAGE, INC. 150 6.77% $13,429
ACOPIA, LLC 146 6.87% $14,311
CMG MORTGAGE, INC. 146 6.60% $14,796
Renasant Bank 142 6.24% $13,058
MUTUAL OF OMAHA MORTGAGE, INC. 136 6.58% $15,417
SECURITYNATIONAL MORTGAGE COMPANY 134 6.51% $15,087
CANOPY MORTGAGE, LLC 132 6.61% $21,556
GUILD MORTGAGE COMPANY 120 6.41% $15,107
HOMEBRIDGE FINANCIAL SERVICES, INC. 120 6.27% $14,312
Flagstar Bank, FSB 112 6.46% $12,597
THRIVE MORTGAGE, LLC 108 6.65% $12,759
ATLANTIC BAY MORTGAGE GROUP, L.L.C. 103 6.48% $12,584
SOUTHPOINT FINANCIAL SERVICES, INC. 102 6.57% $11,048
VAN DYK MORTGAGE CORPORATION 100 6.73% $9,266
GUARANTEED RATE AFFINITY, LLC 94 6.50% $13,375
STOCKTON MORTGAGE CORPORATION 93 6.61% $13,570
PULTE MORTGAGE LLC 93 6.12% $9,487
CALCON MUTUAL MORTGAGE LLC 90 6.90% $17,566
Century Mortgage Company DBA Century Lending Company 89 6.51% $13,510
Regions Bank 86 6.05% $12,655
Capital City Home Loans, LLC 86 6.40% $13,813
DAS Acquisition Company, LLC 85 6.65% $13,511
OCMBC, INC. 84 6.99% $16,897
EAGLE HOME MORTGAGE, LLC 82 5.17% $15,477
SWBC MORTGAGE CORPORATION 80 6.67% $8,469
AMERICAN PACIFIC MORTGAGE CORPORATION 79 6.62% $15,195
PLANET HOME LENDING, LLC 75 6.04% $12,535
HOMESIDE FINANCIAL, LLC 72 6.55% $12,276
BAY EQUITY LLC 64 6.47% $14,579
RELIANCE FIRST CAPITAL, LLC 64 6.67% $14,186
Magnolia Bank 59 6.40% $12,161
PLAZA HOME MORTGAGE, INC. 59 6.46% $16,081
JPMorgan Chase Bank 59 6.21% $7,056
The Federal Savings Bank 59 6.21% $16,616
Plains Commerce Bank 58 6.30% $13,655
ISERVE RESIDENTIAL LENDING, LLC 57 6.69% $20,626
Nations Lending Corporation 56 6.42% $12,036
United Community Bank 56 6.72% $10,772
PRIMELENDING, A PLAINSCAPITAL COMPANY 55 6.68% $16,400
MID AMERICA MORTGAGE, INC. 55 7.51% $7,760
LAKEVIEW LOAN SERVICING, LLC 54 6.15% $13,908
VILLAGE CAPITAL MORTGAGE 53 6.04% $11,798
GENEVA FINANCIAL, LLC 53 6.95% $15,977
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 52 6.68% $13,649
Truist 51 6.15% $10,887
NATIONWIDE MORTGAGE BANKERS, INC. 50 6.89% $14,846
Lakeview Community Capital, LLC 50 6.10% $12,890
Mortgage Assurance Inc. 48 6.21% $12,290
First Federal Bank 48 6.15% $12,513
SHELTER HOME MORTGAGE, LLC 48 6.61% $14,087
MORTGAGE INVESTORS GROUP, INC. 47 6.73% $11,186
TOP FLITE FINANCIAL, INC. 46 6.82% $15,222
ARK-LA-TEX FINANCIAL SERVICES, LLC. 45 6.67% $11,797
NATIONS DIRECT MORTGAGE, LLC 44 6.63% $14,047
Bank of England 43 6.22% $12,613
SUN WEST MORTGAGE COMPANY, INC. 41 6.11% $15,614
TJC Mortgage, Inc. 41 6.60% $15,543
Mortgage Research Center, LLC 39 7.02% $7,931
LOANPAL, LLC 39 5.94% $14,143
Loan Simple, Inc. 39 6.63% $17,057
PANORAMA MORTGAGE GROUP, LLC 38 6.98% $16,089
Wells Fargo Bank 38 6.27% $9,985
TOWNE MORTGAGE COMPANY 37 6.58% $13,084
SUCCESS MORTGAGE PARTNERS, INC. 37 6.49% $13,579
Franklin Loan Corporation 37 5.98% $17,374
UNION HOME MORTGAGE CORP. 36 6.74% $12,055
AmeriHome Mortgage Company, LLC 36 6.22% $13,310
Goldwater Bank, N.A. 34 6.93% $12,095
DIRECT LENDERS, LLC 34 6.54% $7,412
MEMBER FIRST MORTGAGE, LLC 34 6.66% $9,670
BancorpSouth 33 6.31% $9,078
CHURCHILL MORTGAGE CORPORATION 31 6.52% $14,900
First Heritage Mortgage, LLC 31 6.71% $16,375
South State Bank 30 6.25% $12,225
Cornerstone First Mortgage, Inc 30 6.74% $14,091
MORTGAGE SOLUTIONS OF COLORADO, LLC 28 6.67% $15,807
LIBERTY HOME MORTGAGE CORPORATION 28 7.04% $12,007
EMM LOANS LLC 26 6.15% $15,467
NVR Mortgage Finance, Inc. 25 5.56% $17,120
SUMMIT FUNDING, INC. 24 6.87% $16,763
PREMIER MORTGAGE RESOURCES, L.L.C. 24 6.70% $18,363
VERITAS FUNDING, LLC 24 6.41% $18,153
PRIMARY RESIDENTIAL MORTGAGE, INC. 24 6.63% $14,306
Northpointe Bank 23 6.26% $13,403
THE MORTGAGE FIRM, INC. 23 6.37% $14,745
Hometown Equity Mortgage, LLC 22 6.70% $16,831
Bank of America 22 6.60% $8,538
LAND HOME FINANCIAL SERVICES, INC. 21 6.80% $16,860
Alcova Mortgage LLC 21 6.77% $9,794
JMAC LENDING, INC. 21 6.32% $18,436
M&T Bank 20 6.33% $11,593
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 20 6.30% $17,026
George Mason Mortgage, LLC 20 6.51% $12,123
RADIUS FINANCIAL GROUP INC. 19 6.78% $13,668
CRESCENT MORTGAGE COMPANY 19 5.99% $10,455
AMERICAN FINANCIAL RESOURCES, INC. 19 6.72% $13,793
FIRST CONTINENTAL MORTGAGE, LTD. 18 6.01% $6,342
EMBRACE HOME LOANS, INC. 17 6.39% $11,868
GEO-CORP, INC. 17 7.40% $20,343
South Pacific Financial Corporation 17 5.38% $11,358
RESIDENTIAL BANCORP 16 6.58% $13,901
MICHIGAN MUTUAL, INC. 15 6.31% $14,945
Presidential Bank, FSB 15 6.96% $15,264
CITY FIRST MORTGAGE SERVICES, L.L.C. 15 7.10% $14,029
PENTAGON FEDERAL CREDIT UNION 15 5.70% $11,623
LOANLEADERS OF AMERICA, INC. 13 6.18% $17,700
PHH Mortgage Corporation 13 6.30% $14,346
BECKAM FUNDING CORP. 12 7.09% $20,056
Citizens Bank 12 6.36% $10,771
Residential Mortgage Solutions, Inc. 11 6.32% $13,976
HOMESPIRE MORTGAGE CORPORATION 11 6.41% $9,252
Barrington Bank & Trust Company, N.A. 11 6.86% $12,009
ALAMEDA MORTGAGE CORPORATION 10 6.76% $15,860
CONTOUR MORTGAGE CORPORATION 10 6.64% $12,282
FIRST ALLIANCE HOME MORTGAGE, LLC 10 6.66% $18,387
LEADERONE FINANCIAL CORPORATION 10 6.81% $14,701
NBKC BANK 10 5.89% $9,957
Southern First Bank 9 6.57% $11,922
PNC Bank 9 6.60% $10,724
SANCTUARY HOME MORTGAGE LLC 9 6.65% $15,271
ROYAL UNITED MORTGAGE LLC 9 6.85% $12,417
U.S. Bank 9 6.43% $10,762
Colony Bank 9 6.67% $13,282
NATIONS RELIABLE LENDING, LLC 9 6.75% $21,875
First Horizon Bank 8 6.38% $13,193
Wolfe Financial, Inc 8 7.33% $11,248
Assurance Financial Group, L.L.C. 8 7.09% $10,930
OPEN MORTGAGE, LLC 8 7.08% $16,231
FirstBank 8 6.41% $11,843
RUOFF MORTGAGE COMPANY, INC. 7 6.14% $8,320
VICTORY MORTGAGE, L.L.C. 7 6.27% $11,507
Keystone Funding, Inc. 7 6.48% $18,551
GUARANTY MORTGAGE SERVICES, L.L.C. 7 6.95% $15,162
The Loan Store, Inc. 7 6.71% $14,129
Evolve Bank & Trust 7 6.70% $14,648
GEORGIA'S OWN 7 6.66% $9,781
SOVEREIGN LENDING GROUP INCORPORATED 7 5.25% $17,173
NexBank 7 6.09% $14,813
NMSI, INC. 7 6.05% $15,828
BETTER MORTGAGE CORPORATION 7 6.21% $13,294
EUSTIS AND AMERICAN MORTGAGE COMPANY 6 6.96% $12,834
Allied First Bank,sb 6 6.75% $11,966
Gateway First Bank 6 6.98% $11,987
GMFS LLC 6 6.54% $12,449
NATION ONE MORTGAGE CORPORATION 6 6.69% $22,337
CityWorth Mortgage LLC 6 6.42% $20,454
North American Savings Bank, F.S.B. 6 5.79% $9,538
BAYSHORE MORTGAGE FUNDING, LLC 6 7.33% $17,039
NORWICH COMMERCIAL GROUP, INC. 6 6.71% $11,750
Wyndham Capital Mortgage, Inc. 5 5.83% $12,566
OCEANSIDE MORTGAGE COMPANY 5 6.50% $6,259
MY MORTGAGE, INC. 5 7.18% $13,109
NEW DAY FINANCIAL, LLC 5 7.35% $7,353
Fifth Third Bank 5 6.25% $9,953
ALLIED MORTGAGE GROUP, INC. 5 6.78% $10,880
V.I.P. MORTGAGE, INC. 5 6.58% $12,918
Acre Mortgage and Financial Inc 5 6.53% $18,611
CALIBER HOME LOANS, INC. 4 6.63% $13,448
Blue Ridge Bank 4 6.72% $12,178
COMMUNITY MORTGAGE CORPORATION 4 6.56% $10,913
The Central Trust Bank 4 6.03% $11,714
T2 FINANCIAL LLC 4 6.47% $15,311
Axos Bank 4 6.09% $13,850
TruHome Solutions, LLC 4 6.38% $11,510
Towne Bank 4 7.09% $14,872
Princeton Mortgage Corporation 4 6.34% $11,648
Bell Bank 3 6.25% $14,960
GSF Mortgage Corporation 3 5.88% $16,185
First-Citizens Bank & Trust Company 3 6.54% $13,090
Trustmark National Bank 3 5.92% $12,676
American Mortgage & Equity Consultants, Inc. 3 6.50% $16,294
UNITED SECURITY FINANCIAL CORP 3 7.42% $14,317
LEGEND LENDING CORPORATION 3 6.46% $16,202
Shamrock Home Loans, Inc. 3 6.42% $12,765
Kwik Mortgage Corporation 3 6.58% $9,811
DIRECT MORTGAGE LOANS, LLC 3 7.17% $16,241
Waterstone Mortgage Corporation 3 7.25% $10,164
PREMIA MORTGAGE, LLC 3 5.96% $10,566
ABSOLUTE HOME MORTGAGE CORPORATION 3 6.83% $18,413
Victorian Finance, LLC 3 6.13% $20,390
The Union Bank Company 3 5.83% $13,079
United Bank 2 6.69% $6,627
HARTFORD FUNDING, LTD. 2 6.69% $17,731
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 6.19% $16,976
MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 2 6.19% $13,631
MLD MORTGAGE INC. 2 6.13% $14,642
MORTGAGEONE, INC. 2 7.63% $10,556
ENVOY MORTGAGE, LTD 2 6.25% $11,900
ENDEAVOR CAPITAL, LLC. 2 6.75% $10,980
NBH Bank 2 6.38% $6,608
Neighborhood Loans, Inc. 2 7.31% $12,016
NEXERA HOLDING LLC 2 5.63% $8,182
NJ LENDERS CORP. 2 5.94% $13,866
DEVELOPER'S MORTGAGE COMPANY 2 7.69% $10,997
ServisFirst Bank 2 6.44% $9,371
BNC National Bank 2 6.38% $11,120
Sierra Pacific Mortgage Company, Inc. 2 6.94% $10,502
AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 2 6.94% $15,208
VYSTAR 2 7.00% $9,223
CIS Financial Services, Inc. 1 2.88% $14,113
PLUS RELOCATION MORTGAGE, LLC 1 6.25% $11,835
S1L, Inc. 1 6.75% $19,187
Colonial Savings, F.A. 1 6.88% $12,547
BOKF 1 7.13% $10,810
WesBanco 1 6.38% $18,769
Commerce Home Mortgage, Inc. 1 7.13% $13,523
Willamette Valley Bank 1 6.25% $17,199
GEORGIA UNITED 1 5.63% $7,259
Pinnacle Bank 1 6.13% $17,100
Countybank 1 5.38% $20,490
PACIFIC RESIDENTIAL MORTGAGE, LLC 1 7.25% $18,168
OAKTREE FUNDING CORP. 1 6.63% $15,528
DRAPER AND KRAMER MORTGAGE CORP. 1 6.63% $9,635
SOUTHWEST STAGE FUNDING, LLC 1 6.88% $8,547
East Coast Capital Corp. 1 5.75% $12,132
NETWORK CAPITAL FUNDING CORPORATION 1 5.00% $11,544
BAY-VALLEY MORTGAGE GROUP 1 6.13% $19,894
Encompass Lending Group, LP 1 6.25% $14,725
Sunflower Bank 1 6.63% $8,186
EVANSVILLE TEACHERS 1 6.63% $15,317
Fidelity Bank 1 7.13% $10,591
AUGUSTA MORTGAGE CO. 1 5.25% $17,801
FIDELITY BANK 1 5.50% $17,332
TBI MORTGAGE COMPANY 1 6.63% $20,518
The Camden National Bank 1 5.25% $9,866
MORTGAGE FINANCIAL GROUP, INC. 1 6.50% $12,981
Atlantic Union Bank 1 6.25% $13,166
MORTGAGE ACCESS CORP. 1 7.75% $21,378
Atlantic Coast Mortgage, LLC 1 5.75% $10,153
MK LENDING CORP. 1 6.25% $17,260
MIDLAND MORTGAGE CORPORATION 1 6.25% $19,157
TIDEWATER MORTGAGE SERVICES, INC. 1 6.75% $11,657
Arvest Bank 1 7.50% $6,177
ARC HOME LLC 1 5.99% $13,996
Mid-Continent Funding, Inc. 1 6.38% $19,351
FIRST CHOICE MORTGAGE, INC. 1 6.75% $13,266
MEGASTAR FINANCIAL CORP. 1 6.25% $12,174
GERSHMAN INVESTMENT CORP. 1 6.63% $12,667
FIRST COLONY MORTGAGE CORPORATION 1 6.50% $12,527
UNION CAPITAL MORTGAGE CORPORATION 1 5.75% $12,569
First Federal Bank, A FSB 1 5.63% $14,526
Union Savings Bank 1 6.25% $8,576
United Bank 1 6.63% $11,121
LENOX FINANCIAL MORTGAGE CORPORATION 1 5.88% $15,107
American Mortgage Bank, LLC 1 7.25% $22,001
United Fidelity Funding Corp. 1 7.25% $7,878
LENDING 3, INC. 1 6.88% $4,410
1ST SIGNATURE LENDING, LLC 1 7.13% $16,699
UNIVERSAL MORTGAGE & FINANCE, INC. 1 6.75% $21,198
First United Bank and Trust Company 1 6.63% $11,649
AMERICAN FEDERAL MORTGAGE CORPORATION 1 5.75% $14,853
FLAT BRANCH MORTGAGE, INC. 1 7.13% $11,247
Florida Capital Bank 1 6.25% $11,911
JET DIRECT FUNDING CORP 1 6.75% $25,222
Ixonia Bank 1 5.75% $16,554
INTERSTATE HOME LOAN CENTER, INC. 1 5.75% $9,815
Advisors Mortgage Group, L.L.C. 1 6.75% $13,086
INTERCOASTAL MORTGAGE COMPANY 1 6.99% $8,276
GoPrime Mortgage, Inc. 1 5.63% $8,872
INTERCAP LENDING INC. 1 5.38% $8,837
HOMESTEAD FUNDING CORP. 1 6.63% $7,989
CASTLE & COOKE MORTGAGE, LLC 1 6.75% $13,947
Capital Bank 1 6.50% $6,699
RAPID MORTGAGE COMPANY 1 6.00% $37,200
CHERRY CREEK MORTGAGE, LLC 1 5.00% $0
CIBM Bank 1 6.75% $9,959

The top Atlanta FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 2,364 FHA loans originated. Their average total fees are $13,327, which is $937 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

The lowest fee Atlanta FHA lenders (with over 10 loans originated) are FIRST CONTINENTAL MORTGAGE, LTD. ($6,342), JPMorgan Chase Bank ($7,056), DIRECT LENDERS, LLC ($7,412), MID AMERICA MORTGAGE, INC. ($7,760) and Mortgage Research Center, LLC ($7,931).

The lowest rate Atlanta FHA lenders (with over 10 loans originated) are EAGLE HOME MORTGAGE, LLC (5.17%), FBC MORTGAGE, LLC (5.27%), South Pacific Financial Corporation (5.38%), DHI MORTGAGE COMPANY, LTD. (5.50%) and NVR Mortgage Finance, Inc. (5.56%).

Atlanta FHA Loan Limits

Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BARROW 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BARTOW 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BUTTS 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CARROLL 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CHEROKEE 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CLAYTON 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA COBB 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA COWETA 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DAWSON 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DEKALB 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DOUGLAS 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FAYETTE 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FORSYTH 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FULTON 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA GWINNETT 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HARALSON 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HEARD 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HENRY 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA JASPER 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA LAMAR 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA MERIWETHER 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA MORGAN 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA NEWTON 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PAULDING 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PICKENS 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PIKE 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA ROCKDALE 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA SPALDING 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA WALTON 2022 $471,500 $603,600 $729,600 $906,750
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BARROW 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BARTOW 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA BUTTS 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CARROLL 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CHEROKEE 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA CLAYTON 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA COBB 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA COWETA 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DAWSON 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DEKALB 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA DOUGLAS 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FAYETTE 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FORSYTH 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA FULTON 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA GWINNETT 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HARALSON 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HEARD 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA HENRY 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA JASPER 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA LAMAR 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA MERIWETHER 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA MORGAN 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA NEWTON 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PAULDING 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PICKENS 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA PIKE 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA ROCKDALE 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA SPALDING 2023 $592,250 $758,200 $916,450 $1,138,950
ATLANTA-SANDY SPRINGS-ALPHARETTA, GA WALTON 2023 $592,250 $758,200 $916,450 $1,138,950

Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - Atlanta (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 $302,500 (12.3%) $421,210 (8.5%) 1.12 21,599
2018-02-01 $311,900 (13.1%) $430,970 (7.8%) 1.13 21,000
2018-03-01 $324,815 (14.6%) $443,053 (7.2%) 1.14 21,478
2018-04-01 $336,932 (12.9%) $460,536 (8.8%) 1.14 22,028
2018-05-01 $339,450 (13.2%) $460,873 (8.3%) 1.13 22,851
2018-06-01 $339,900 (13.3%) $458,997 (8.6%) 1.13 23,821
2018-07-01 $329,930 (10.5%) $443,463 (7.3%) 1.10 25,493
2018-08-01 $325,000 (10.2%) $442,705 (7.7%) 1.09 25,885
2018-09-01 $324,500 (9.6%) $432,446 (5.8%) 1.09 26,312
2018-10-01 $315,863 (6.4%) $430,173 (4.4%) 1.07 28,362
2018-11-01 $315,450 (5.6%) $434,164 (5.0%) 1.07 28,028
2018-12-01 $313,900 (4.7%) $431,791 (4.1%) 1.08 27,127
2019-01-01 $309,900 (2.5%) $428,743 (1.8%) 1.07 25,480
2019-02-01 $319,450 (2.4%) $440,067 (2.1%) 1.08 25,217
2019-03-01 $322,143 (-0.8%) $441,043 (-0.5%) 1.05 26,406
2019-04-01 $325,000 (-3.5%) $438,224 (-4.8%) 1.03 28,288
2019-05-01 $329,900 (-2.8%) $441,938 (-4.1%) 1.03 29,082
2019-06-01 $325,000 (-4.4%) $438,115 (-4.6%) 1.02 29,595
2019-07-01 $324,950 (-1.5%) $433,031 (-2.4%) 1.02 30,393
2019-08-01 $320,362 (-1.4%) $423,477 (-4.3%) 1.01 30,480
2019-09-01 $314,665 (-3.0%) $417,305 (-3.5%) 1.01 30,212
2019-10-01 $317,750 (0.6%) $422,738 (-1.7%) 1.03 28,639
2019-11-01 $322,000 (2.1%) $431,923 (-0.5%) 1.06 26,121
2019-12-01 $317,936 (1.3%) $430,222 (-0.4%) 1.06 24,341
2020-01-01 $316,745 (2.2%) $429,705 (0.2%) 1.06 22,407
2020-02-01 $320,000 (0.2%) $438,324 (-0.4%) 1.05 21,487
2020-03-01 $329,450 (2.3%) $447,127 (1.4%) 1.03 21,537
2020-04-01 $325,000 (0.0%) $438,717 (0.1%) 1.02 23,446
2020-05-01 $334,900 (1.5%) $451,854 (2.2%) 1.02 23,115
2020-06-01 $345,450 (6.3%) $467,630 (6.7%) 1.02 20,978
2020-07-01 $349,950 (7.7%) $482,054 (11.3%) 1.01 18,878
2020-08-01 $350,000 (9.3%) $486,739 (14.9%) 1.00 17,541
2020-09-01 $351,291 (11.6%) $492,513 (18.0%) 1.01 16,258
2020-10-01 $354,190 (11.5%) $498,920 (18.0%) 1.01 15,849
2020-11-01 $350,813 (9.0%) $503,714 (16.6%) 1.03 14,439
2020-12-01 $349,950 (10.1%) $500,841 (16.4%) 1.04 12,886
2021-01-01 $350,000 (10.5%) $509,256 (18.5%) 1.04 11,159
2021-02-01 $359,900 (12.5%) $526,585 (20.1%) 1.05 9,440
2021-03-01 $367,210 (11.5%) $534,827 (19.6%) 1.04 8,999
2021-04-01 $382,500 (17.7%) $549,764 (25.3%) 1.04 8,980
2021-05-01 $389,900 (16.4%) $565,452 (25.1%) 1.04 9,128
2021-06-01 $394,950 (14.3%) $557,691 (19.3%) 1.04 9,963
2021-07-01 $399,900 (14.3%) $563,606 (16.9%) 1.06 11,272
2021-08-01 $395,125 (12.9%) $551,850 (13.4%) 1.05 11,646
2021-09-01 $396,603 (12.9%) $552,443 (12.2%) 1.06 11,689
2021-10-01 $394,000 (11.2%) $549,260 (10.1%) 1.05 11,319
2021-11-01 $394,995 (12.6%) $550,230 (9.2%) 1.06 11,066
2021-12-01 $390,000 (11.4%) $549,695 (9.8%) 1.06 10,494
2022-01-01 $389,900 (11.4%) $555,923 (9.2%) 1.05 8,660
2022-02-01 $392,450 (9.0%) $576,549 (9.5%) 1.02 7,774
2022-03-01 $399,450 (8.8%) $576,228 (7.7%) 1.00 7,808
2022-04-01 $415,000 (8.5%) $595,101 (8.3%) 0.99 8,146
2022-05-01 $429,950 (10.3%) $606,963 (7.3%) 0.98 10,022
2022-06-01 $449,450 (13.8%) $617,395 (10.7%) 1.00 12,124
2022-07-01 $439,000 (9.8%) $595,754 (5.7%) 0.99 15,521
2022-08-01 $425,000 (7.6%) $580,760 (5.2%) 0.98 16,826
2022-09-01 $419,995 (5.9%) $566,102 (2.5%) 0.98 17,131
2022-10-01 $413,995 (5.1%) $553,378 (0.8%) 0.97 18,160
2022-11-01 $403,025 (2.0%) $550,342 (0.0%) 0.97 18,197
2022-12-01 $399,900 (2.5%) $544,509 (-0.9%) 0.99 17,020
2023-01-01 $399,900 (2.6%) $550,044 (-1.1%) 0.99 15,106
2023-02-01 $399,950 (1.9%) $560,345 (-2.8%) 0.97 14,034
2023-03-01 $409,950 (2.6%) $574,394 (-0.3%) 0.97 13,278
2023-04-01 $420,000 (1.2%) $593,352 (-0.3%) 0.98 12,245
2023-05-01 $430,108 (0.0%) $608,512 (0.3%) 0.98 12,236
2023-06-01 $437,483 (-2.7%) $612,408 (-0.8%) 0.98 13,057
2023-07-01 $435,000 (-0.9%) $613,809 (3.0%) 0.99 14,132
2023-08-01 $430,000 (1.2%) $608,008 (4.7%) 0.99 14,505
2023-09-01 $425,940 (1.4%) $601,274 (6.2%) 0.99 15,640
2023-10-01 $425,000 (2.7%) $595,090 (7.5%) 1.00 16,671
2023-11-01 $419,995 (4.2%) $591,751 (7.5%) 1.00 17,153
2023-12-01 $415,000 (3.8%) $590,733 (8.5%) 1.01 16,414
2024-01-01 $409,900 (2.5%) $590,830 (7.4%) 1.00 15,381
2024-02-01 $409,275 (2.3%) $594,317 (6.1%) 0.99 15,486
2024-03-01 $410,000 (0.0%) $597,670 (4.1%) 0.96 16,211
2024-04-01 $415,000 (-1.2%) $605,301 (2.0%) 0.97 17,469
2024-05-01 $423,950 (-1.4%) $614,872 (1.1%) 0.96 18,865
Atlanta's median listing price for 2024-05-01 was $423,950, a difference of $-6,158 (-1.4%) versus the prior year and $8,950 versus the prior month.

Atlanta's median listing price comes in at 96% of the national average.

Atlanta's average listing price for 2024-05-01 was $614,872, a difference of $6,360 (1.1%) versus the prior year and $9,571 versus the prior month.

For the 2024-05-01 period, Atlanta had 18,865 MLS listings, a difference of 1,396 listings (8%) versus the prior month and 6,629 listings (54%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - Atlanta (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 72 days 2,579 sqft
2018-02-01 62 days 2,607 sqft
2018-03-01 47 days 2,648 sqft
2018-04-01 46 days 2,707 sqft
2018-05-01 45 days 2,699 sqft
2018-06-01 47 days 2,679 sqft
2018-07-01 48 days 2,628 sqft
2018-08-01 50 days 2,603 sqft
2018-09-01 53 days 2,587 sqft
2018-10-01 57 days 2,546 sqft
2018-11-01 58 days 2,543 sqft
2018-12-01 65 days 2,521 sqft
2019-01-01 69 days 2,488 sqft
2019-02-01 59 days 2,482 sqft
2019-03-01 49 days 2,522 sqft
2019-04-01 47 days 2,558 sqft
2019-05-01 48 days 2,594 sqft
2019-06-01 52 days 2,576 sqft
2019-07-01 55 days 2,535 sqft
2019-08-01 55 days 2,512 sqft
2019-09-01 58 days 2,486 sqft
2019-10-01 59 days 2,462 sqft
2019-11-01 61 days 2,440 sqft
2019-12-01 72 days 2,412 sqft
2020-01-01 72 days 2,405 sqft
2020-02-01 61 days 2,419 sqft
2020-03-01 51 days 2,427 sqft
2020-04-01 52 days 2,402 sqft
2020-05-01 58 days 2,410 sqft
2020-06-01 56 days 2,423 sqft
2020-07-01 58 days 2,424 sqft
2020-08-01 57 days 2,405 sqft
2020-09-01 53 days 2,350 sqft
2020-10-01 52 days 2,316 sqft
2020-11-01 56 days 2,269 sqft
2020-12-01 62 days 2,227 sqft
2021-01-01 58 days 2,211 sqft
2021-02-01 44 days 2,192 sqft
2021-03-01 39 days 2,203 sqft
2021-04-01 36 days 2,246 sqft
2021-05-01 35 days 2,244 sqft
2021-06-01 34 days 2,256 sqft
2021-07-01 33 days 2,246 sqft
2021-08-01 38 days 2,227 sqft
2021-09-01 42 days 2,204 sqft
2021-10-01 44 days 2,176 sqft
2021-11-01 43 days 2,180 sqft
2021-12-01 48 days 2,160 sqft
2022-01-01 52 days 2,133 sqft
2022-02-01 36 days 2,118 sqft
2022-03-01 33 days 2,119 sqft
2022-04-01 32 days 2,183 sqft
2022-05-01 30 days 2,238 sqft
2022-06-01 27 days 2,312 sqft
2022-07-01 29 days 2,300 sqft
2022-08-01 36 days 2,277 sqft
2022-09-01 41 days 2,267 sqft
2022-10-01 44 days 2,250 sqft
2022-11-01 49 days 2,231 sqft
2022-12-01 59 days 2,200 sqft
2023-01-01 66 days 2,191 sqft
2023-02-01 51 days 2,185 sqft
2023-03-01 46 days 2,218 sqft
2023-04-01 43 days 2,246 sqft
2023-05-01 40 days 2,279 sqft
2023-06-01 39 days 2,303 sqft
2023-07-01 40 days 2,282 sqft
2023-08-01 41 days 2,270 sqft
2023-09-01 43 days 2,250 sqft
2023-10-01 43 days 2,233 sqft
2023-11-01 45 days 2,210 sqft
2023-12-01 53 days 2,197 sqft
2024-01-01 56 days 2,162 sqft
2024-02-01 43 days 2,157 sqft
2024-03-01 41 days 2,156 sqft
2024-04-01 39 days 2,163 sqft
2024-05-01 37 days 2,187 sqft
Atlanta's median listing age (time on market) for 2024-05-01 was 37 days. This is -9% shorter than the same period one year ago.

Atlanta's median square footage for active listings during the 2024-05-01 period was 2,187 sqft. One year prior, the average listing was 2,279 sqft.

FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).