Atlanta FHA Loan Rates, Closing Costs & Stats

ATLANTA-SANDY SPRINGS-ALPHARETTA, GA

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Loan Limits
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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 316 lenders originated 25,392 FHA loans during 2022. The total origination value was $7,244,960,000, with an average FHA loan value of $285,325.

    Atlanta FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Atlanta averaged 6.03% for the week of 2023-05-26, compared to the national average (all FHA variants) of 6.612% for the same period.

    Atlanta's average FHA mortgage closing costs are $8,101.

    The average rate for the prior week (2023-05-19) was 6.2% and one month ago for the week of 2023-04-21, the average rate was 6.04%.

    The average rate one year ago was 4.76%.

    For refis of the same type during the week of 2023-05-26, the average rate was 5.15%.

    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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    QUICKEN LOANS, LLC 2,319 4.44% $11,266
    UNITED WHOLESALE MORTGAGE, LLC 1,322 4.91% $11,774
    HOMESTAR FINANCIAL CORPORATION 1,299 4.89% $10,278
    BROKER SOLUTIONS, INC. 1,082 5.12% $12,374
    EVERETT FINANCIAL, INC. 764 5.65% $8,191
    LOANDEPOT.COM, LLC 706 4.73% $12,122
    DHI MORTGAGE COMPANY, LTD. 627 4.29% $11,429
    PENNYMAC LOAN SERVICES, LLC 582 4.15% $10,718
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 561 5.16% $11,557
    FREEDOM MORTGAGE CORPORATION 547 4.77% $11,008
    Mr. Cooper ( Nationstar Mortgage ) 527 4.45% $12,688
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 513 5.00% $13,165
    Ameris Bank 478 4.76% $12,589
    CROSSCOUNTRY MORTGAGE, LLC 415 5.12% $13,276
    BANKSOUTH MORTGAGE COMPANY, LLC 413 4.74% $12,152
    CALIBER HOME LOANS, INC. 367 4.68% $11,165
    HOMEBRIDGE FINANCIAL SERVICES, INC. 348 4.81% $12,797
    MOVEMENT MORTGAGE, LLC 341 5.04% $11,102
    CARDINAL FINANCIAL 330 4.90% $12,904
    AMERISAVE MORTGAGE CORPORATION 308 4.50% $13,696
    Carrington Mortgage Services, LLC 306 5.09% $12,680
    VANDERBILT MORTGAGE AND FINANCE, INC. 275 4.87% $11,852
    Equity Prime Mortgage LLC 272 5.17% $12,742
    AMERICAN FINANCING CORPORATION 248 5.07% $11,387
    NEWREZ LLC 243 4.81% $10,597
    LAKEVIEW LOAN SERVICING, LLC 242 4.07% $7,894
    First Option Mortgage, LLC 242 5.39% $13,357
    Paramount Residential Mortgage Group, Inc. 228 5.10% $13,123
    MILEND, INC. 194 5.16% $15,086
    HOMEOWNERS FINANCIAL GROUP USA, LLC 193 5.24% $13,655
    INSPIRE HOME LOANS INC. 184 5.29% $12,009
    HOME POINT FINANCIAL CORPORATION 176 4.28% $10,993
    Lakeview Community Capital, LLC 166 4.07% $7,742
    SECURITYNATIONAL MORTGAGE COMPANY 158 4.98% $12,332
    GUARANTEED RATE, INC. 158 5.10% $12,120
    Synovus Bank 152 4.76% $11,920
    ACOPIA, LLC 152 5.34% $11,924
    US MORTGAGE CORPORATION 139 5.18% $13,836
    Prosperity Home Mortgage, LLC 138 5.05% $11,031
    Nations Lending Corporation 130 5.33% $13,665
    Flagstar Bank, FSB 130 4.87% $11,182
    CALCON MUTUAL MORTGAGE LLC 123 5.61% $15,579
    STOCKTON MORTGAGE CORPORATION 122 4.78% $11,216
    GUILD MORTGAGE COMPANY 115 4.91% $15,166
    SOUTHPOINT FINANCIAL SERVICES, INC. 105 5.04% $12,822
    FIRST COMMUNITY MORTGAGE, INC. 105 5.32% $12,366
    VAN DYK MORTGAGE CORPORATION 98 5.44% $8,676
    THE MORTGAGE FIRM, INC. 97 5.32% $12,574
    BAY EQUITY LLC 94 4.82% $13,734
    DAS Acquisition Company, LLC 92 5.29% $12,786
    TOP FLITE FINANCIAL, INC. 91 5.35% $17,272
    GUARANTEED RATE AFFINITY, LLC 84 5.10% $11,601
    PANORAMA MORTGAGE GROUP, LLC 84 5.78% $14,463
    CERTAINTY HOME LOANS, LLC 82 5.20% $10,733
    NFM, INC. 82 6.11% $11,604
    PLANET HOME LENDING, LLC 81 4.09% $9,326
    MUTUAL OF OMAHA MORTGAGE, INC. 80 5.05% $13,155
    SWBC MORTGAGE CORPORATION 79 5.12% $8,820
    SHELTER HOME MORTGAGE, LLC 79 4.92% $12,384
    PRIMARY RESIDENTIAL MORTGAGE, INC. 77 5.25% $12,246
    NATIONS DIRECT MORTGAGE, LLC 74 4.66% $12,116
    EAGLE HOME MORTGAGE, LLC 72 4.91% $13,160
    JPMorgan Chase Bank 71 4.83% $6,717
    HOMESIDE FINANCIAL, LLC 69 4.94% $11,566
    Capital City Home Loans, LLC 68 4.79% $11,571
    CMG MORTGAGE, INC. 68 4.40% $10,460
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 67 5.31% $11,144
    Regions Bank 66 5.27% $11,072
    PRIMELENDING, A PLAINSCAPITAL COMPANY 65 4.89% $12,471
    VILLAGE CAPITAL MORTGAGE 65 3.87% $7,513
    NATIONWIDE MORTGAGE BANKERS, INC. 62 5.62% $15,005
    Renasant Bank 62 5.17% $10,607
    Magnolia Bank 62 4.75% $9,176
    FBC MORTGAGE, LLC 61 5.31% $11,863
    AMERICAN PACIFIC MORTGAGE CORPORATION 59 5.09% $13,111
    Century Mortgage Company DBA Century Lending Company 58 4.73% $12,615
    First Federal Bank 57 4.44% $10,523
    GENEVA FINANCIAL, LLC 55 5.02% $13,161
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 51 4.89% $12,409
    TJC Mortgage, Inc. 51 4.76% $12,291
    OCMBC, INC. 50 5.21% $13,367
    South State Bank 50 4.55% $10,189
    SUMMIT FUNDING, INC. 50 5.27% $13,691
    DIRECT LENDERS, LLC 49 5.22% $7,493
    PULTE MORTGAGE LLC 48 5.00% $10,523
    RELIANCE FIRST CAPITAL, LLC 45 4.63% $11,835
    AmeriHome Mortgage Company, LLC 45 4.93% $10,781
    The Federal Savings Bank 44 4.71% $15,430
    Goldwater Bank, N.A. 42 4.89% $11,128
    ZILLOW HOME LOANS, LLC 42 4.77% $10,095
    LIBERTY HOME MORTGAGE CORPORATION 42 5.32% $11,501
    Acre Mortgage and Financial Inc 41 4.95% $20,231
    First Guaranty Mortgage Corporation 41 3.93% $9,855
    CONTOUR MORTGAGE CORPORATION 40 5.29% $13,443
    United Community Bank 39 4.95% $9,238
    Alcova Mortgage LLC 38 5.13% $10,565
    SUCCESS MORTGAGE PARTNERS, INC. 37 5.07% $12,076
    Bank of England 36 5.03% $11,900
    Mortgage Research Center, LLC 34 5.48% $9,165
    Plains Commerce Bank 34 5.59% $11,953
    Northpointe Bank 33 4.83% $12,566
    Hometown Equity Mortgage, LLC 32 5.38% $14,714
    Truist 31 4.66% $9,439
    RADIUS FINANCIAL GROUP INC. 31 4.89% $10,560
    Bank of America 30 4.52% $8,957
    M&T Bank 28 4.24% $8,792
    Mortgage Assurance Inc. 28 4.41% $9,997
    TOWNE MORTGAGE COMPANY 28 4.88% $11,450
    MID AMERICA MORTGAGE, INC. 28 5.87% $7,951
    PLAZA HOME MORTGAGE, INC. 27 5.17% $13,326
    Wells Fargo Bank 27 4.54% $6,546
    Princeton Mortgage Corporation 26 4.54% $12,027
    HOMESPIRE MORTGAGE CORPORATION 25 5.25% $12,770
    Atlantic Union Bank 25 5.10% $12,709
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 23 4.84% $9,930
    EMBRACE HOME LOANS, INC. 22 5.05% $13,076
    THRIVE MORTGAGE, LLC 22 6.37% $12,187
    CHURCHILL MORTGAGE CORPORATION 21 4.80% $11,266
    MORTGAGE SOLUTIONS OF COLORADO, LLC 21 4.82% $13,989
    ISERVE RESIDENTIAL LENDING, LLC 20 4.15% $13,735
    Cornerstone First Mortgage, Inc 20 5.61% $12,864
    MEMBER FIRST MORTGAGE, LLC 20 5.16% $11,285
    Wyndham Capital Mortgage, Inc. 19 4.76% $9,655
    MORTGAGE INVESTORS GROUP, INC. 19 5.38% $10,126
    Gateway First Bank 18 5.22% $10,041
    Citizens Bank 18 3.91% $9,859
    FirstBank 18 4.67% $9,146
    First Home Bank 18 4.99% $15,714
    LOANLEADERS OF AMERICA, INC. 18 4.99% $15,478
    Waterstone Mortgage Corporation 18 4.99% $14,228
    RESIDENTIAL BANCORP. 17 4.65% $12,617
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 17 5.46% $13,054
    AMERICAN FINANCIAL RESOURCES, INC. 16 5.52% $10,586
    SOVEREIGN LENDING GROUP INCORPORATED 16 4.52% $11,551
    ANGEL OAK HOME LOANS LLC 15 5.03% $11,763
    MORIA DEVELOPMENT, INC. 15 4.85% $11,088
    ON Q FINANCIAL, INC. 15 4.71% $9,792
    Peoples Bank 15 5.02% $13,457
    South Pacific Financial Corporation 14 4.33% $14,790
    Assurance Financial Group, L.L.C. 14 5.50% $11,565
    FINANCE OF AMERICA MORTGAGE LLC 14 4.69% $11,408
    BancorpSouth Bank 14 5.04% $9,906
    LOANPAL, LLC 14 4.17% $12,819
    ASPIRE FINANCIAL, INC. 14 4.41% $10,823
    PHH Mortgage Corporation 13 4.31% $10,281
    LAND HOME FINANCIAL SERVICES, INC. 13 5.52% $13,629
    PNC Bank 13 4.58% $9,158
    VICTORY MORTGAGE, L.L.C. 13 4.35% $10,533
    KELLER MORTGAGE, LLC 12 5.04% $9,422
    UNITED SECURITY FINANCIAL CORP 12 5.97% $15,307
    Ixonia Bank 12 5.08% $14,133
    DATA MORTGAGE, INC. 12 4.83% $11,826
    GMFS LLC 12 4.38% $8,166
    Evolve Bank & Trust 11 4.80% $11,114
    CRESCENT MORTGAGE COMPANY 11 5.19% $9,370
    ACADEMY MORTGAGE CORPORATION 11 5.58% $11,822
    LEADERONE FINANCIAL CORPORATION 11 4.19% $11,624
    EMM LOANS LLC 11 4.44% $13,913
    Barrington Bank & Trust Company, N.A. 11 5.10% $9,073
    First Heritage Mortgage, LLC 10 5.53% $15,695
    United Bank 10 4.28% $8,842
    Amerifirst Financial, Inc. 9 5.63% $10,525
    Loan Simple, Inc. 9 5.83% $12,042
    NBKC BANK 9 5.03% $8,994
    PENTAGON FEDERAL CREDIT UNION 9 5.46% $9,350
    Colony Bank 9 5.08% $10,606
    COMMUNITY MORTGAGE CORPORATION 9 4.82% $8,696
    T2 FINANCIAL LLC 9 5.26% $13,439
    CANOPY MORTGAGE, LLC 8 6.48% $10,847
    CityWorth Mortgage LLC 8 4.75% $14,675
    OCEANSIDE MORTGAGE COMPANY 8 4.83% $5,381
    NATIONS RELIABLE LENDING, LLC 8 5.14% $13,770
    ALLIED MORTGAGE GROUP, INC. 8 5.31% $9,928
    DEVELOPER'S MORTGAGE COMPANY 8 4.86% $8,139
    MICHIGAN MUTUAL, INC. 7 5.05% $13,328
    North American Savings Bank, F.S.B. 7 4.93% $8,937
    OPEN MORTGAGE, LLC 7 5.98% $14,399
    Paramount Bank 7 4.46% $9,309
    Victorian Finance, LLC 7 4.82% $11,658
    GUARANTY MORTGAGE SERVICES, L.L.C. 7 5.80% $14,935
    U.S. Bank 6 4.83% $9,447
    FLAT BRANCH MORTGAGE, INC. 6 4.48% $12,074
    Credence Funding Corporation 6 4.56% $12,499
    MY MORTGAGE, INC. 6 5.10% $12,909
    NEXERA HOLDING LLC 6 4.65% $9,342
    Shamrock Home Loans, Inc. 6 4.23% $10,460
    GERSHMAN INVESTMENT CORP. 6 4.75% $9,438
    UNION HOME MORTGAGE CORP. 6 4.94% $10,693
    RAPID MORTGAGE COMPANY 6 5.15% $13,509
    First Savings Bank 6 4.58% $14,068
    ENVOY MORTGAGE, LTD 6 5.71% $9,567
    OAKTREE FUNDING CORP. 5 5.68% $16,748
    JAMES B. NUTTER & COMPANY 5 4.73% $7,562
    HOME FUNDING CORPORATION 5 5.25% $14,990
    UNITED NORTHERN MORTGAGE BANKERS LIMITED 5 5.80% $12,700
    The Union Bank Company 5 4.60% $13,868
    Texana Bank 5 4.45% $11,085
    Sierra Pacific Mortgage Company, Inc. 5 4.83% $9,581
    DELMAR FINANCIAL COMPANY 5 5.25% $10,715
    Residential Mortgage Solutions, Inc. 5 5.25% $15,201
    SANCTUARY HOME MORTGAGE LLC 4 5.53% $13,489
    Fifth Third Bank 4 3.81% $7,900
    RUOFF MORTGAGE COMPANY, INC. 4 4.53% $11,619
    Platinum Home Mortgage Corporation 4 4.84% $14,640
    First Horizon Bank 4 5.38% $13,426
    RESIDENTIAL HOME FUNDING CORP. 4 4.63% $11,843
    BAYSHORE MORTGAGE FUNDING, LLC 4 5.59% $15,600
    ARC HOME LLC 4 4.97% $10,568
    BNC National Bank 4 4.13% $9,162
    AMERIFIRST FINANCIAL CORPORATION 4 6.00% $12,537
    AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 4 4.84% $13,948
    Willamette Valley Bank 4 4.50% $11,719
    CITY FIRST MORTGAGE SERVICES, L.L.C. 4 6.13% $11,921
    BECKAM FUNDING CORP. 4 5.13% $17,368
    PLUS RELOCATION MORTGAGE, LLC 4 5.38% $9,854
    FAY SERVICING, LLC 3 4.29% $9,942
    Neighborhood Loans, Inc. 3 5.88% $13,684
    Advisors Mortgage Group, L.L.C. 3 4.08% $11,592
    First Internet Bank of Indiana 3 5.58% $8,854
    Wolfe Financial, Inc 3 6.21% $12,214
    CLEARPATH LENDING 3 3.54% $8,477
    CASTLE & COOKE MORTGAGE, LLC 3 4.88% $11,905
    BETTER MORTGAGE CORPORATION 3 5.17% $11,313
    ROUNDPOINT MORTGAGE SERVICING CORPORATION 3 4.63% $14,463
    ROYAL UNITED MORTGAGE LLC 3 4.96% $10,695
    BELEM SERVICING LLC 3 2.96% $12,082
    Franklin Loan Corporation 3 5.83% $15,831
    1ST PREFERENCE MORTGAGE CORP. 3 5.54% $8,007
    TOTAL MORTGAGE SERVICES, LLC 3 6.33% $10,854
    Towne Bank 3 4.04% $10,581
    MLD MORTGAGE INC. 3 4.75% $8,716
    NVR Mortgage Finance, Inc. 2 5.19% $14,689
    INTERCAP LENDING INC. 2 5.63% $16,411
    Notre Dame Federal Credit Union Corporation 2 5.63% $9,589
    Centennial Bank 2 5.13% $11,344
    NMSI, INC. 2 4.25% $12,188
    NJ LENDERS CORP. 2 7.06% $9,017
    HANCOCK MORTGAGE PARTNERS, LLC 2 4.63% $11,782
    NEW DAY FINANCIAL, LLC 2 6.19% $15,889
    V.I.P. MORTGAGE, INC. 2 4.44% $12,095
    LOANFLIGHT LENDING, LLC 2 5.63% $12,894
    Bell Bank 2 5.19% $10,585
    Southern First Bank 2 4.69% $9,159
    HOMEXPRESS MORTGAGE CORP. 2 4.88% $13,938
    First United Bank and Trust Company 2 5.69% $11,151
    Sunflower Bank 2 5.69% $16,478
    Austin Capital Bank SSB 2 5.56% $16,162
    Meridian Bank Corporation 2 4.50% $11,116
    Arvest Bank 2 5.63% $7,405
    MEGASTAR FINANCIAL CORP. 2 4.50% $9,305
    MIDLAND MORTGAGE CORPORATION 2 5.44% $13,957
    GEO-CORP, INC. 2 5.31% $10,974
    TruHome Solutions, LLC 2 4.38% $9,921
    AMERICA'S CHOICE HOME LOANS LP 2 3.56% $9,872
    MORTGAGE ACCESS CORP. 2 4.44% $12,042
    Commerce Home Mortgage, Inc. 2 6.00% $11,053
    COMPASS MORTGAGE, INC. 2 4.88% $12,647
    Pinnacle Bank 2 6.19% $13,024
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 5.69% $12,340
    Kwik Mortgage Corporation 2 4.63% $8,332
    INTERLINC MORTGAGE SERVICES, LLC 2 4.94% $3,424
    George Mason Mortgage, LLC 1 4.99% $10,309
    Simmons Bank 1 6.13% $10,149
    SIRVA MORTGAGE, INC. 1 5.63% $10,262
    SIWELL, INC. 1 2.25% $2,742
    JMAC LENDING, INC. 1 3.00% $3,908
    United Fidelity Funding Corp. 1 6.38% $22,992
    INLANTA MORTGAGE, INC. 1 6.13% $6,654
    HAMILTON HOME LOANS, INC. 1 4.38% $9,237
    DIRECT MORTGAGE LOANS, LLC 1 5.38% $19,191
    SOUTHWEST STAGE FUNDING, LLC 1 5.75% $11,406
    IMPAC MORTGAGE CORP. 1 5.25% $9,482
    SRP Federal Credit Union 1 4.50% $15,000
    NATION ONE MORTGAGE CORPORATION 1 6.50% $21,312
    Mortgage Network, Inc. 1 3.38% $13,581
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 6.13% $14,191
    AMERICAN PORTFOLIO MORTGAGE CORPORATION 1 5.25% $13,618
    University Bank 1 5.50% $19,797
    Atlantic Coast Mortgage, LLC 1 5.13% $13,745
    HOMESTEAD FUNDING CORP. 1 6.25% $12,284
    DRAPER AND KRAMER MORTGAGE CORP. 1 5.13% $9,835
    The Central Trust Bank 1 4.75% $12,731
    A&D Mortgage LLC 1 3.75% $6,401
    The Huntington National Bank 1 3.75% $8,838
    MORTGAGE EQUITY PARTNERS LLC 1 4.25% $12,026
    Encompass Lending Group, LP 1 5.13% $12,501
    KINECTA 1 4.75% $13,528
    EUSTIS AND AMERICAN MORTGAGE COMPANY 1 4.00% $7,285
    POLARIS HOME FUNDING CORP. 1 5.63% $24,754
    PREMIA MORTGAGE, LLC 1 4.75% $8,492
    PREMIER LENDING, INC. 1 6.75% $16,198
    Presidential Bank, FSB 1 5.25% $8,583
    CITYWIDE HOME LOANS, LLC 1 5.25% $9,316
    FAIR WAY LENDING LLC 1 5.75% $12,770
    CIS Financial Services, Inc. 1 2.88% $10,135
    MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. 1 5.75% $9,445
    GUARANTY HOME MORTGAGE CORPORATION 1 6.63% $5,169
    Queensborough National Bank & Trust Company 1 5.38% $8,914
    Carrollton Bank 1 5.13% $10,415
    INTELLILOAN, INC. 1 4.75% $13,575
    Colonial Savings, F.A. 1 5.38% $14,597
    BRIDGELOCK CAPITAL 1 2.99% $8,983
    FIRST MORTGAGE COMPANY, INC. 1 4.25% $19,555
    JMJ FINANCIAL GROUP 1 4.25% $15,549
    First International Bank & Trust 1 5.50% $15,076
    NexBank 1 4.13% $9,648
    EVANSVILLE TEACHERS 1 3.75% $11,323
    Hamilton Mortgage Corporation 1 5.50% $12,188
    MORTGAGEONE, INC. 1 5.63% $11,679
    Network Funding, L.P. 1 3.88% $10,019
    S1L, Inc. 1 6.75% $10,525
    LEGEND LENDING CORPORATION 1 6.25% $7,274
    Bethpage Federal Credit Union 1 3.00% $2,476
    Semper Home Loans, Inc. 1 3.75% $11,597
    FIRST HOME MORTGAGE CORPORATION 1 4.25% $22,220
    BEST CAPITAL FUNDING 1 3.63% $10,183

    The top Atlanta FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 2,319 FHA loans originated. Their average total fees are $11,266, which is $508 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Atlanta FHA lenders (with over 10 loans originated) are Wells Fargo Bank ($6,546), JPMorgan Chase Bank ($6,717), DIRECT LENDERS, LLC ($7,493), VILLAGE CAPITAL MORTGAGE ($7,513) and Lakeview Community Capital, LLC ($7,742).

    The lowest rate Atlanta FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE (3.87%), Citizens Bank (3.91%), First Guaranty Mortgage Corporation (3.93%), Lakeview Community Capital, LLC (4.07%) and LAKEVIEW LOAN SERVICING, LLC (4.07%).

    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%) $421,191 (8.5%) 1.12 21,595
    2018-02-01 $311,900 (13.2%) $430,962 (7.8%) 1.13 20,996
    2018-03-01 $324,815 (14.6%) $443,036 (7.2%) 1.14 21,476
    2018-04-01 $336,883 (12.9%) $460,539 (8.8%) 1.14 22,027
    2018-05-01 $339,450 (13.2%) $460,893 (8.3%) 1.13 22,849
    2018-06-01 $339,900 (13.3%) $458,975 (8.6%) 1.13 23,823
    2018-07-01 $329,792 (10.5%) $443,449 (7.3%) 1.10 25,494
    2018-08-01 $325,000 (10.2%) $442,694 (7.7%) 1.09 25,883
    2018-09-01 $324,348 (9.6%) $432,447 (5.8%) 1.09 26,306
    2018-10-01 $315,748 (6.3%) $430,111 (4.4%) 1.07 28,359
    2018-11-01 $315,350 (5.6%) $434,424 (5.1%) 1.07 28,029
    2018-12-01 $313,482 (4.5%) $432,051 (4.1%) 1.08 27,130
    2019-01-01 $309,900 (2.5%) $428,642 (1.8%) 1.07 25,482
    2019-02-01 $319,450 (2.4%) $440,069 (2.1%) 1.08 25,215
    2019-03-01 $319,900 (-1.5%) $433,210 (-2.2%) 1.07 27,345
    2019-04-01 $325,000 (-3.5%) $437,672 (-5.0%) 1.03 28,309
    2019-05-01 $329,900 (-2.8%) $441,703 (-4.2%) 1.03 29,102
    2019-06-01 $325,000 (-4.4%) $437,906 (-4.6%) 1.02 29,612
    2019-07-01 $324,945 (-1.5%) $432,838 (-2.4%) 1.02 30,411
    2019-08-01 $325,000 (0.0%) $431,513 (-2.5%) 1.02 29,764
    2019-09-01 $324,868 (0.2%) $430,870 (-0.4%) 1.02 27,645
    2019-10-01 $318,500 (0.9%) $422,924 (-1.7%) 1.03 28,518
    2019-11-01 $322,000 (2.1%) $431,986 (-0.6%) 1.06 26,123
    2019-12-01 $318,138 (1.5%) $430,252 (-0.4%) 1.06 24,346
    2020-01-01 $316,745 (2.2%) $429,708 (0.3%) 1.06 22,408
    2020-02-01 $320,000 (0.2%) $438,333 (-0.4%) 1.05 21,483
    2020-03-01 $329,450 (3.0%) $447,159 (3.2%) 1.03 21,532
    2020-04-01 $325,000 (0.0%) $438,763 (0.3%) 1.02 23,442
    2020-05-01 $334,900 (1.5%) $451,906 (2.3%) 1.02 23,110
    2020-06-01 $345,450 (6.3%) $467,669 (6.8%) 1.02 20,975
    2020-07-01 $349,950 (7.7%) $482,068 (11.4%) 1.01 18,878
    2020-08-01 $350,000 (7.7%) $486,746 (12.8%) 1.00 17,542
    2020-09-01 $351,019 (8.1%) $492,500 (14.3%) 1.01 16,262
    2020-10-01 $353,968 (11.1%) $498,954 (18.0%) 1.01 15,854
    2020-11-01 $350,858 (9.0%) $503,703 (16.6%) 1.03 14,447
    2020-12-01 $349,950 (10.0%) $500,998 (16.4%) 1.04 12,883
    2021-01-01 $350,000 (10.5%) $509,465 (18.6%) 1.04 11,157
    2021-02-01 $359,900 (12.5%) $526,918 (20.2%) 1.05 9,430
    2021-03-01 $366,900 (11.4%) $534,957 (19.6%) 1.04 8,992
    2021-04-01 $382,500 (17.7%) $549,817 (25.3%) 1.04 8,979
    2021-05-01 $389,900 (16.4%) $565,458 (25.1%) 1.04 9,127
    2021-06-01 $394,900 (14.3%) $557,693 (19.3%) 1.04 9,960
    2021-07-01 $399,900 (14.3%) $564,165 (17.0%) 1.06 11,271
    2021-08-01 $395,350 (13.0%) $552,265 (13.5%) 1.05 11,644
    2021-09-01 $396,750 (13.0%) $552,536 (12.2%) 1.06 11,687
    2021-10-01 $393,900 (11.3%) $549,472 (10.1%) 1.05 11,322
    2021-11-01 $394,995 (12.6%) $550,149 (9.2%) 1.06 11,070
    2021-12-01 $390,000 (11.4%) $549,678 (9.7%) 1.06 10,498
    2022-01-01 $389,900 (11.4%) $555,811 (9.1%) 1.05 8,664
    2022-02-01 $391,495 (8.8%) $576,574 (9.4%) 1.02 7,773
    2022-03-01 $399,450 (8.9%) $576,317 (7.7%) 1.00 7,810
    2022-04-01 $415,000 (8.5%) $595,112 (8.2%) 0.99 8,140
    2022-05-01 $429,950 (10.3%) $607,096 (7.4%) 0.98 10,019
    2022-06-01 $449,000 (13.7%) $617,596 (10.7%) 1.00 12,122
    2022-07-01 $439,000 (9.8%) $595,969 (5.6%) 0.99 15,519
    2022-08-01 $425,000 (7.5%) $580,982 (5.2%) 0.98 16,821
    2022-09-01 $419,945 (5.9%) $566,281 (2.5%) 0.98 17,126
    2022-10-01 $413,500 (5.0%) $553,501 (0.7%) 0.97 18,156
    2022-11-01 $402,995 (2.0%) $550,383 (0.0%) 0.97 18,191
    2022-12-01 $399,900 (2.5%) $544,372 (-1.0%) 0.99 17,015
    2023-01-01 $399,900 (2.6%) $550,276 (-1.0%) 0.99 15,108
    2023-02-01 $399,945 (2.2%) $560,562 (-2.8%) 0.96 14,034
    2023-03-01 $409,519 (2.5%) $574,537 (-0.3%) 0.96 13,278
    2023-04-01 $425,000 (2.4%) $605,128 (1.7%) 0.99 12,507
    Atlanta's median listing price for 2023-04-01 was $425,000, a difference of $10,000 (2.4%) versus the prior year and $15,481 versus the prior month.

    Atlanta's median listing price comes in at 99% of the national average.

    Atlanta's average listing price for 2023-04-01 was $605,128, a difference of $10,016 (1.7%) versus the prior year and $30,591 versus the prior month.

    For the 2023-04-01 period, Atlanta had 12,507 MLS listings, a difference of -771 listings (-6%) versus the prior month and 4,367 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 74 days 2,578 sqft
    2018-02-01 65 days 2,602 sqft
    2018-03-01 49 days 2,641 sqft
    2018-04-01 47 days 2,705 sqft
    2018-05-01 47 days 2,695 sqft
    2018-06-01 49 days 2,672 sqft
    2018-07-01 50 days 2,625 sqft
    2018-08-01 52 days 2,596 sqft
    2018-09-01 54 days 2,584 sqft
    2018-10-01 58 days 2,541 sqft
    2018-11-01 59 days 2,539 sqft
    2018-12-01 67 days 2,516 sqft
    2019-01-01 72 days 2,481 sqft
    2019-02-01 63 days 2,472 sqft
    2019-03-01 54 days 2,512 sqft
    2019-04-01 51 days 2,554 sqft
    2019-05-01 52 days 2,589 sqft
    2019-06-01 54 days 2,571 sqft
    2019-07-01 58 days 2,533 sqft
    2019-08-01 64 days 2,540 sqft
    2019-09-01 67 days 2,537 sqft
    2019-10-01 61 days 2,461 sqft
    2019-11-01 64 days 2,440 sqft
    2019-12-01 73 days 2,411 sqft
    2020-01-01 73 days 2,405 sqft
    2020-02-01 64 days 2,417 sqft
    2020-03-01 52 days 2,426 sqft
    2020-04-01 53 days 2,402 sqft
    2020-05-01 59 days 2,407 sqft
    2020-06-01 58 days 2,420 sqft
    2020-07-01 60 days 2,424 sqft
    2020-08-01 59 days 2,404 sqft
    2020-09-01 56 days 2,347 sqft
    2020-10-01 54 days 2,310 sqft
    2020-11-01 58 days 2,265 sqft
    2020-12-01 64 days 2,224 sqft
    2021-01-01 60 days 2,206 sqft
    2021-02-01 46 days 2,187 sqft
    2021-03-01 40 days 2,199 sqft
    2021-04-01 37 days 2,245 sqft
    2021-05-01 36 days 2,236 sqft
    2021-06-01 35 days 2,254 sqft
    2021-07-01 35 days 2,240 sqft
    2021-08-01 39 days 2,224 sqft
    2021-09-01 43 days 2,202 sqft
    2021-10-01 46 days 2,171 sqft
    2021-11-01 44 days 2,174 sqft
    2021-12-01 49 days 2,153 sqft
    2022-01-01 52 days 2,130 sqft
    2022-02-01 37 days 2,113 sqft
    2022-03-01 34 days 2,113 sqft
    2022-04-01 32 days 2,180 sqft
    2022-05-01 30 days 2,237 sqft
    2022-06-01 27 days 2,309 sqft
    2022-07-01 30 days 2,300 sqft
    2022-08-01 37 days 2,274 sqft
    2022-09-01 42 days 2,265 sqft
    2022-10-01 45 days 2,249 sqft
    2022-11-01 50 days 2,231 sqft
    2022-12-01 60 days 2,200 sqft
    2023-01-01 66 days 2,187 sqft
    2023-02-01 52 days 2,183 sqft
    2023-03-01 47 days 2,213 sqft
    2023-04-01 45 days 2,257 sqft
    Atlanta's median listing age (time on market) for 2023-04-01 was 45 days. This is 41% longer than the same period one year ago.

    Atlanta's median square footage for active listings during the 2023-04-01 period was 2,257 sqft. One year prior, the average listing was 2,180 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).