Atlanta FHA Loan Rates, Closing Costs & Stats

ATLANTA-SANDY SPRINGS-ALPHARETTA, GA

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    • 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 6.29% for the week of 2024-12-13, compared to the national average (all FHA variants) of 6.277% for the same period.

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

    The average rate for the prior week (2024-12-06) was 6.36% and one month ago for the week of 2024-11-08, the average rate was 6.52%.

    The average rate one year ago was 6.83%.

    For refis of the same type during the week of 2024-12-13, the average rate was 6.26%.

    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
    2024-06-01 $425,000 (-2.9%) $608,711 (-0.6%) 0.96 20,705
    2024-07-01 $423,950 (-2.5%) $594,548 (-3.1%) 0.97 22,168
    2024-08-01 $415,000 (-3.5%) $577,596 (-5.0%) 0.97 22,916
    2024-09-01 $414,560 (-2.7%) $572,322 (-4.8%) 0.98 23,889
    2024-10-01 $410,000 (-3.5%) $570,353 (-4.2%) 0.96 24,546
    2024-11-01 $405,000 (-3.6%) $558,979 (-5.5%) 0.97 24,491
    Atlanta's median listing price for 2024-11-01 was $405,000, a difference of $-14,995 (-3.6%) versus the prior year and $-5,000 versus the prior month.

    Atlanta's median listing price comes in at 97% of the national average.

    Atlanta's average listing price for 2024-11-01 was $558,979, a difference of $-32,772 (-5.5%) versus the prior year and $-11,374 versus the prior month.

    For the 2024-11-01 period, Atlanta had 24,491 MLS listings, a difference of -55 listings (0%) versus the prior month and 7,338 listings (43%) 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 2,164 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
    2024-06-01 38 days 2,204 sqft
    2024-07-01 44 days 2,205 sqft
    2024-08-01 47 days 2,176 sqft
    2024-09-01 50 days 2,167 sqft
    2024-10-01 51 days 2,164 sqft
    2024-11-01 59 days 2,138 sqft
    Atlanta's median listing age (time on market) for 2024-11-01 was 59 days. This is 33% longer than the same period one year ago.

    Atlanta's median square footage for active listings during the 2024-11-01 period was 2,138 sqft. One year prior, the average listing was 2,210 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).