Augusta FHA Loan Rates, Closing Costs & Stats

AUGUSTA-RICHMOND COUNTY, GA-SC

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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.

    Augusta's 144 lenders originated 2,112 FHA loans during 2024. The total origination value was $525,480,000, with an average FHA loan value of $248,807.

    Augusta FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Augusta averaged 6.41% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

    Augusta's average FHA mortgage closing costs are $7,769.

    The average rate for the prior week (2025-03-28) was 6.21% and one month ago for the week of 2025-02-28, the average rate was 6.29%.

    The average rate one year ago was 6.71%.

    For refis of the same type during the week of 2025-04-04, the average rate was 6.12%.

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

    Augusta 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 Augusta level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 267 6.36% $10,166
    QUICKEN LOANS, LLC 163 6.33% $10,323
    DHI MORTGAGE COMPANY, LTD. 117 5.20% $7,405
    UNITED WHOLESALE MORTGAGE, LLC 87 6.15% $13,008
    BROKER SOLUTIONS, INC. 72 6.66% $11,853
    MOVEMENT MORTGAGE, LLC 69 6.37% $13,083
    FREEDOM MORTGAGE CORPORATION 55 6.35% $10,246
    First Heritage Mortgage, LLC 49 6.08% $10,969
    CARDINAL FINANCIAL 47 6.45% $10,049
    South State Bank 45 6.15% $10,819
    Regions Bank 41 6.21% $9,321
    Ameris Bank 37 6.32% $11,359
    AMERICAN FINANCIAL RESOURCES, INC. 37 6.62% $11,542
    Colony Bank 30 6.29% $10,721
    Flagstar Bank, FSB 28 6.35% $9,506
    Queensborough National Bank & Trust Company 28 6.15% $11,215
    PENNYMAC LOAN SERVICES, LLC 27 6.15% $9,491
    LOANDEPOT.COM, LLC 27 6.49% $10,339
    TOWNE MORTGAGE COMPANY 26 6.49% $9,884
    FIRST CHOICE MORTGAGE, INC. 26 6.59% $9,057
    AUGUSTA MORTGAGE CO. 26 6.00% $11,185
    CROSSCOUNTRY MORTGAGE, LLC 26 6.48% $11,002
    Equity Prime Mortgage LLC 24 6.60% $10,540
    FBC MORTGAGE, LLC 24 5.39% $9,693
    SRP Federal Credit Union 23 6.13% $10,810
    Mortgage Research Center, LLC 21 6.60% $6,700
    Security Federal Bank 18 5.99% $9,982
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 18 6.93% $11,400
    BancorpSouth 17 6.10% $10,009
    Synovus Bank 16 6.05% $10,051
    BANKSOUTH MORTGAGE COMPANY, LLC 16 6.23% $12,814
    PLANET HOME LENDING, LLC 14 6.29% $10,148
    Carrington Mortgage Services, LLC 13 6.14% $12,249
    VANDERBILT MORTGAGE AND FINANCE, INC. 12 6.75% $9,343
    SUMMIT FUNDING, INC. 12 7.09% $10,877
    CAROLINA ONE MORTGAGE, LLC 11 6.61% $10,873
    MILEND, INC. 11 6.29% $14,042
    GUARANTEED RATE, INC. 10 6.39% $12,588
    HOMESIDE FINANCIAL, LLC 10 6.22% $11,642
    AMERICAN FINANCIAL NETWORK, INC. 9 7.11% $11,358
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 9 6.69% $10,696
    UNION HOME MORTGAGE CORP. 8 6.63% $10,287
    Assurance Financial Group, L.L.C. 8 6.86% $8,657
    Mr. Cooper ( Nationstar Mortgage ) 8 6.66% $12,049
    CANOPY MORTGAGE, LLC 8 6.28% $16,737
    NEWREZ LLC 8 6.80% $12,209
    Paramount Residential Mortgage Group, Inc. 7 6.75% $12,312
    VILLAGE CAPITAL MORTGAGE 7 6.34% $7,137
    MUTUAL OF OMAHA MORTGAGE, INC. 7 6.82% $11,133
    MORTGAGE SOLUTIONS OF COLORADO, LLC 6 6.77% $10,484
    First-Citizens Bank & Trust Company 6 5.54% $9,062
    CMG MORTGAGE, INC. 6 6.71% $11,528
    Century Mortgage Company DBA Century Lending Company 6 6.04% $13,934
    ACOPIA, LLC 6 6.38% $9,891
    AMERICAN FINANCING CORPORATION 6 5.69% $13,115
    First Community Bank 5 6.63% $11,236
    Alcova Mortgage LLC 5 5.95% $8,667
    AMERISAVE MORTGAGE CORPORATION 5 6.30% $11,050
    ENDEAVOR CAPITAL, LLC. 5 6.42% $9,557
    PRIMARY RESIDENTIAL MORTGAGE, INC. 4 6.56% $8,722
    SOUTHPOINT FINANCIAL SERVICES, INC. 4 7.03% $4,715
    Truist 4 6.40% $7,504
    First Palmetto Bank 4 6.13% $7,915
    Barrington Bank & Trust Company, N.A. 4 6.88% $6,410
    LAKEVIEW LOAN SERVICING, LLC 4 6.38% $8,614
    Bank of America 3 6.17% $7,219
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 3 7.00% $10,370
    EMM LOANS LLC 3 6.21% $8,801
    FIRST INTEGRITY MORTGAGE SERVICES, INC. 3 6.79% $6,956
    First Option Mortgage, LLC 3 6.96% $12,289
    Presidential Bank, FSB 3 6.58% $10,817
    SUN WEST MORTGAGE COMPANY, INC. 3 6.08% $14,926
    Wells Fargo Bank 3 7.17% $6,187
    ZILLOW HOME LOANS, LLC 3 6.42% $9,852
    STOCKTON MORTGAGE CORPORATION 2 6.75% $10,725
    BECKAM FUNDING CORP. 2 7.38% $9,274
    MICHIGAN MUTUAL, INC. 2 6.25% $11,565
    BAYSHORE MORTGAGE FUNDING, LLC 2 6.69% $11,909
    MORTGAGE INVESTORS GROUP, INC. 2 6.31% $10,258
    ISERVE RESIDENTIAL LENDING, LLC 2 6.69% $19,289
    The Federal Savings Bank 2 6.75% $10,652
    RELIANCE FIRST CAPITAL, LLC 2 6.88% $10,213
    LOANPAL, LLC 2 5.81% $10,257
    Atlantic Coast Mortgage, LLC 2 6.50% $7,986
    ROYAL UNITED MORTGAGE LLC 2 7.13% $5,789
    PLAZA HOME MORTGAGE, INC. 2 7.19% $8,517
    HOMEOWNERS FINANCIAL GROUP USA, LLC 2 6.44% $13,510
    Waterstone Mortgage Corporation 2 7.06% $14,899
    OPEN MORTGAGE, LLC 2 7.87% $7,729
    VERITAS FUNDING, LLC 2 6.50% $18,325
    Acre Mortgage and Financial Inc 2 6.56% $13,883
    Lakeview Community Capital, LLC 2 6.94% $7,749
    Fifth Third Bank 2 6.75% $4,500
    LIBERTY HOME MORTGAGE CORPORATION 2 7.44% $6,882
    Home Mortgage Alliance Corp 2 8.00% $6,848
    Plains Commerce Bank 1 6.88% $9,549
    Encompass Lending Group, LP 1 6.50% $18,600
    PREMIA MORTGAGE, LLC 1 6.00% $11,423
    DELMAR FINANCIAL COMPANY 1 6.63% $11,080
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $16,987
    DAS Acquisition Company, LLC 1 7.13% $13,887
    COUNTRYPLACE MORTGAGE, LTD. 1 5.50% $15,513
    RADIUS FINANCIAL GROUP INC. 1 5.50% $9,424
    CityWorth Mortgage LLC 1 5.88% $15,011
    Residential Acceptance Corporation 1 8.00% $5,813
    SeaTrust Mortgage Company 1 7.99% $10,877
    Citizens Bank 1 6.88% $8,187
    CHURCHILL MORTGAGE CORPORATION 1 7.13% $6,022
    Capital Bank 1 6.63% $7,896
    SOUTHWEST FUNDING, LP 1 7.25% $11,271
    CALCON MUTUAL MORTGAGE LLC 1 6.00% $7,493
    WesBanco 1 6.00% $10,300
    T2 FINANCIAL LLC 1 6.50% $11,006
    TD Bank 1 6.75% $11,225
    TOP FLITE FINANCIAL, INC. 1 7.25% $9,823
    AXIA FINANCIAL, LLC 1 7.63% $9,755
    Armed Forces Bank 1 6.00% $20,373
    AMERITRUST MORTGAGE CORPORATION 1 7.13% $14,713
    U.S. Bank 1 6.25% $9,177
    AmeriHome Mortgage Company, LLC 1 7.13% $8,602
    VAN DYK MORTGAGE CORPORATION 1 6.63% $5,928
    LADERA LENDING, INC. 1 5.75% $10,910
    LOANLEADERS OF AMERICA, INC. 1 6.63% $17,281
    JPMorgan Chase Bank 1 6.75% $9,629
    Loan Simple, Inc. 1 7.25% $11,633
    MASON MCDUFFIE MORTGAGE CORPORATION 1 6.25% $6,668
    MEMBER FIRST MORTGAGE, LLC 1 5.88% $9,805
    Ixonia Bank 1 6.63% $19,663
    Mortgage Assurance Inc. 1 5.75% $16,362
    INTERCAP LENDING INC. 1 6.25% $9,705
    M&T Bank 1 6.75% $6,894
    GUARANTEED RATE AFFINITY, LLC 1 6.75% $7,688
    NATIONS DIRECT MORTGAGE, LLC 1 6.75% $10,295
    NATIONS RELIABLE LENDING, LLC 1 6.25% $12,408
    NBKC BANK 1 6.50% $8,259
    NETWORK CAPITAL FUNDING CORPORATION 1 6.25% $9,195
    NEW DAY FINANCIAL, LLC 1 7.87% $3,860
    FIRST COMMUNITY MORTGAGE, INC. 1 7.00% $8,331
    NEXERA HOLDING LLC 1 5.50% $6,133
    NFM, INC. 1 7.25% $11,398
    Northpointe Bank 1 6.50% $5,574
    EVERETT FINANCIAL, INC. 1 7.88% $15,450
    PENTAGON FEDERAL CREDIT UNION 1 6.13% $14,195
    Pinnacle Bank 1 5.25% $7,323

    The top Augusta FHA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 267 FHA loans originated. Their average total fees are $10,166, which is $157 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Augusta FHA lenders (with over 10 loans originated) are Mortgage Research Center, LLC ($6,700), DHI MORTGAGE COMPANY, LTD. ($7,405), FIRST CHOICE MORTGAGE, INC. ($9,057), Regions Bank ($9,321) and VANDERBILT MORTGAGE AND FINANCE, INC. ($9,343).

    The lowest rate Augusta FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.20%), FBC MORTGAGE, LLC (5.39%), Security Federal Bank (5.99%), AUGUSTA MORTGAGE CO. (6.00%) and Synovus Bank (6.05%).

    Augusta FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    AUGUSTA-RICHMOND COUNTY, GA-SC BURKE 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC COLUMBIA 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC LINCOLN 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC MCDUFFIE 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC RICHMOND 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC AIKEN 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC EDGEFIELD 2022 $420,680 $538,650 $651,050 $809,150
    AUGUSTA-RICHMOND COUNTY, GA-SC BURKE 2023 $472,030 $604,400 $730,525 $907,900
    AUGUSTA-RICHMOND COUNTY, GA-SC COLUMBIA 2023 $472,030 $604,400 $730,525 $907,900
    AUGUSTA-RICHMOND COUNTY, GA-SC LINCOLN 2023 $472,030 $604,400 $730,525 $907,900
    AUGUSTA-RICHMOND COUNTY, GA-SC MCDUFFIE 2023 $472,030 $604,400 $730,525 $907,900
    AUGUSTA-RICHMOND COUNTY, GA-SC RICHMOND 2023 $472,030 $604,400 $730,525 $907,900
    AUGUSTA-RICHMOND COUNTY, GA-SC AIKEN 2023 $472,030 $604,400 $730,525 $907,900
    AUGUSTA-RICHMOND COUNTY, GA-SC EDGEFIELD 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Augusta (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 $219,000 (9.6%) $273,886 (7.6%) 0.81 2,496
    2018-02-01 $221,620 (8.1%) $280,935 (9.3%) 0.80 2,499
    2018-03-01 $224,900 (7.6%) $286,253 (9.9%) 0.79 2,443
    2018-04-01 $228,450 (8.8%) $289,163 (9.5%) 0.77 2,450
    2018-05-01 $230,063 (5.8%) $292,658 (7.7%) 0.77 2,463
    2018-06-01 $229,000 (5.9%) $291,560 (6.8%) 0.76 2,443
    2018-07-01 $224,950 (4.6%) $287,153 (6.5%) 0.75 2,490
    2018-08-01 $219,900 (2.3%) $282,511 (5.0%) 0.74 2,493
    2018-09-01 $218,450 (0.7%) $278,832 (3.6%) 0.73 2,563
    2018-10-01 $219,250 (2.0%) $275,085 (2.6%) 0.74 2,564
    2018-11-01 $218,610 (0.5%) $272,379 (0.0%) 0.74 2,545
    2018-12-01 $215,000 (-0.4%) $277,667 (2.1%) 0.74 2,468
    2019-01-01 $215,000 (-1.8%) $278,868 (1.8%) 0.74 2,372
    2019-02-01 $217,000 (-2.1%) $282,083 (0.4%) 0.73 2,337
    2019-03-01 $223,800 (-0.5%) $287,654 (0.5%) 0.73 2,273
    2019-04-01 $229,750 (0.6%) $293,673 (1.6%) 0.73 2,243
    2019-05-01 $230,000 (0.0%) $296,445 (1.3%) 0.72 2,264
    2019-06-01 $234,900 (2.6%) $299,046 (2.6%) 0.73 2,200
    2019-07-01 $235,675 (4.8%) $303,943 (5.9%) 0.74 2,240
    2019-08-01 $234,195 (6.5%) $297,491 (5.3%) 0.74 2,243
    2019-09-01 $233,138 (6.7%) $297,628 (6.7%) 0.75 2,208
    2019-10-01 $233,170 (6.4%) $297,695 (8.2%) 0.75 2,184
    2019-11-01 $229,000 (4.8%) $295,293 (8.4%) 0.75 2,107
    2019-12-01 $229,450 (6.7%) $292,969 (5.5%) 0.77 2,015
    2020-01-01 $229,918 (6.9%) $299,294 (7.3%) 0.77 1,879
    2020-02-01 $232,600 (7.2%) $306,976 (8.8%) 0.76 1,792
    2020-03-01 $236,545 (5.7%) $307,441 (6.9%) 0.74 1,764
    2020-04-01 $244,651 (6.5%) $315,731 (7.5%) 0.77 1,748
    2020-05-01 $249,900 (8.7%) $325,612 (9.8%) 0.76 1,575
    2020-06-01 $254,950 (8.5%) $338,343 (13.1%) 0.75 1,368
    2020-07-01 $250,200 (6.2%) $339,139 (11.6%) 0.73 1,326
    2020-08-01 $259,000 (10.6%) $343,693 (15.5%) 0.74 1,258
    2020-09-01 $264,900 (13.6%) $350,327 (17.7%) 0.76 1,159
    2020-10-01 $262,690 (12.7%) $345,195 (16.0%) 0.75 1,179
    2020-11-01 $249,995 (9.2%) $360,987 (22.3%) 0.73 1,060
    2020-12-01 $251,892 (9.8%) $358,199 (22.3%) 0.75 1,027
    2021-01-01 $259,000 (12.7%) $358,350 (19.7%) 0.77 943
    2021-02-01 $259,850 (11.7%) $376,888 (22.8%) 0.76 794
    2021-03-01 $262,500 (11.0%) $390,776 (27.1%) 0.74 714
    2021-04-01 $275,424 (12.6%) $413,999 (31.1%) 0.75 673
    2021-05-01 $290,285 (16.2%) $411,767 (26.5%) 0.77 731
    2021-06-01 $287,675 (12.8%) $404,471 (19.5%) 0.76 801
    2021-07-01 $289,900 (15.9%) $395,724 (16.7%) 0.76 863
    2021-08-01 $284,900 (10.0%) $377,326 (9.8%) 0.76 945
    2021-09-01 $285,250 (7.7%) $372,184 (6.2%) 0.76 971
    2021-10-01 $279,900 (6.6%) $363,819 (5.4%) 0.75 996
    2021-11-01 $287,225 (14.9%) $365,587 (1.3%) 0.77 956
    2021-12-01 $280,675 (11.4%) $357,197 (-0.3%) 0.76 856
    2022-01-01 $281,670 (8.8%) $356,746 (-0.5%) 0.76 733
    2022-02-01 $284,900 (9.6%) $355,528 (-5.7%) 0.74 626
    2022-03-01 $281,503 (7.2%) $358,846 (-8.2%) 0.70 635
    2022-04-01 $290,000 (5.3%) $362,661 (-12.4%) 0.69 723
    2022-05-01 $307,370 (5.9%) $373,738 (-9.2%) 0.70 955
    2022-06-01 $313,915 (9.1%) $377,375 (-6.7%) 0.70 1,089
    2022-07-01 $315,000 (8.7%) $371,292 (-6.2%) 0.71 1,272
    2022-08-01 $313,869 (10.2%) $370,028 (-1.9%) 0.73 1,361
    2022-09-01 $312,989 (9.7%) $368,660 (-1.0%) 0.73 1,358
    2022-10-01 $312,900 (11.8%) $365,109 (0.4%) 0.74 1,522
    2022-11-01 $319,800 (11.3%) $369,405 (1.0%) 0.77 1,638
    2022-12-01 $319,700 (13.9%) $368,455 (3.2%) 0.79 1,647
    2023-01-01 $324,200 (15.1%) $379,091 (6.3%) 0.80 1,571
    2023-02-01 $329,900 (15.8%) $385,641 (8.5%) 0.80 1,400
    2023-03-01 $320,080 (13.7%) $384,587 (7.2%) 0.75 1,360
    2023-04-01 $315,000 (8.6%) $383,794 (5.8%) 0.73 1,367
    2023-05-01 $316,250 (2.9%) $385,697 (3.2%) 0.72 1,380
    2023-06-01 $317,175 (1.0%) $391,524 (3.8%) 0.71 1,407
    2023-07-01 $309,900 (-1.6%) $377,758 (1.7%) 0.70 1,504
    2023-08-01 $299,950 (-4.4%) $368,204 (-0.5%) 0.69 1,587
    2023-09-01 $301,795 (-3.6%) $370,013 (0.4%) 0.70 1,638
    2023-10-01 $309,950 (-0.9%) $373,721 (2.4%) 0.73 1,761
    2023-11-01 $309,900 (-3.1%) $372,855 (0.9%) 0.74 1,853
    2023-12-01 $309,900 (-3.1%) $369,372 (0.3%) 0.76 1,832
    2024-01-01 $309,900 (-4.4%) $364,830 (-3.8%) 0.76 1,800
    2024-02-01 $307,918 (-6.7%) $359,760 (-6.7%) 0.74 1,740
    2024-03-01 $303,600 (-5.2%) $358,205 (-6.9%) 0.71 1,832
    2024-04-01 $304,375 (-3.4%) $364,330 (-5.1%) 0.71 1,788
    2024-05-01 $309,350 (-2.2%) $374,705 (-2.9%) 0.70 1,837
    2024-06-01 $311,300 (-1.9%) $376,393 (-3.9%) 0.71 1,909
    2024-07-01 $311,958 (0.7%) $380,317 (0.7%) 0.71 1,994
    2024-08-01 $310,000 (3.4%) $373,264 (1.4%) 0.72 2,073
    2024-09-01 $307,700 (2.0%) $372,903 (0.8%) 0.72 2,173
    2024-10-01 $305,905 (-1.3%) $373,494 (-0.1%) 0.72 2,088
    2024-11-01 $300,000 (-3.2%) $372,686 (-0.1%) 0.72 1,948
    2024-12-01 $304,900 (-1.6%) $376,538 (1.9%) 0.76 1,867
    2025-01-01 $307,838 (-0.7%) $382,009 (4.7%) 0.77 1,826
    2025-02-01 $309,900 (0.6%) $382,333 (6.3%) 0.75 1,837
    2025-03-01 $320,000 (5.4%) $397,859 (11.1%) 0.00 1,886
    Augusta's median listing price for 2025-03-01 was $320,000, a difference of $16,400 (5.4%) versus the prior year and $10,100 versus the prior month.

    Augusta's median listing price comes in at 0% of the national average.

    Augusta's average listing price for 2025-03-01 was $397,859, a difference of $39,654 (11.1%) versus the prior year and $15,526 versus the prior month.

    For the 2025-03-01 period, Augusta had 1,886 MLS listings, a difference of 49 listings (3%) versus the prior month and 54 listings (3%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Augusta (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 93 days 2,190 sqft
    2018-02-01 87 days 2,223 sqft
    2018-03-01 67 days 2,242 sqft
    2018-04-01 65 days 2,271 sqft
    2018-05-01 60 days 2,300 sqft
    2018-06-01 61 days 2,299 sqft
    2018-07-01 66 days 2,255 sqft
    2018-08-01 71 days 2,200 sqft
    2018-09-01 74 days 2,174 sqft
    2018-10-01 76 days 2,174 sqft
    2018-11-01 79 days 2,131 sqft
    2018-12-01 85 days 2,106 sqft
    2019-01-01 94 days 2,103 sqft
    2019-02-01 90 days 2,113 sqft
    2019-03-01 74 days 2,174 sqft
    2019-04-01 59 days 2,228 sqft
    2019-05-01 54 days 2,238 sqft
    2019-06-01 53 days 2,250 sqft
    2019-07-01 55 days 2,245 sqft
    2019-08-01 61 days 2,230 sqft
    2019-09-01 68 days 2,239 sqft
    2019-10-01 75 days 2,248 sqft
    2019-11-01 79 days 2,210 sqft
    2019-12-01 87 days 2,210 sqft
    2020-01-01 89 days 2,205 sqft
    2020-02-01 82 days 2,203 sqft
    2020-03-01 62 days 2,232 sqft
    2020-04-01 63 days 2,280 sqft
    2020-05-01 72 days 2,285 sqft
    2020-06-01 73 days 2,293 sqft
    2020-07-01 61 days 2,284 sqft
    2020-08-01 50 days 2,294 sqft
    2020-09-01 51 days 2,304 sqft
    2020-10-01 51 days 2,156 sqft
    2020-11-01 51 days 2,219 sqft
    2020-12-01 53 days 2,263 sqft
    2021-01-01 55 days 2,250 sqft
    2021-02-01 53 days 2,234 sqft
    2021-03-01 38 days 2,197 sqft
    2021-04-01 32 days 2,221 sqft
    2021-05-01 28 days 2,272 sqft
    2021-06-01 30 days 2,254 sqft
    2021-07-01 31 days 2,188 sqft
    2021-08-01 32 days 2,147 sqft
    2021-09-01 38 days 2,149 sqft
    2021-10-01 45 days 2,119 sqft
    2021-11-01 45 days 2,159 sqft
    2021-12-01 52 days 2,156 sqft
    2022-01-01 54 days 2,156 sqft
    2022-02-01 42 days 2,098 sqft
    2022-03-01 33 days 2,051 sqft
    2022-04-01 31 days 2,085 sqft
    2022-05-01 32 days 2,103 sqft
    2022-06-01 38 days 2,113 sqft
    2022-07-01 40 days 2,103 sqft
    2022-08-01 46 days 2,106 sqft
    2022-09-01 49 days 2,103 sqft
    2022-10-01 50 days 2,100 sqft
    2022-11-01 56 days 2,153 sqft
    2022-12-01 70 days 2,158 sqft
    2023-01-01 79 days 2,160 sqft
    2023-02-01 81 days 2,161 sqft
    2023-03-01 65 days 2,136 sqft
    2023-04-01 48 days 2,112 sqft
    2023-05-01 48 days 2,137 sqft
    2023-06-01 47 days 2,121 sqft
    2023-07-01 45 days 2,095 sqft
    2023-08-01 47 days 2,025 sqft
    2023-09-01 52 days 2,033 sqft
    2023-10-01 54 days 2,079 sqft
    2023-11-01 57 days 2,062 sqft
    2023-12-01 66 days 2,046 sqft
    2024-01-01 77 days 2,027 sqft
    2024-02-01 70 days 2,013 sqft
    2024-03-01 56 days 2,013 sqft
    2024-04-01 53 days 2,011 sqft
    2024-05-01 52 days 2,031 sqft
    2024-06-01 52 days 2,069 sqft
    2024-07-01 58 days 2,070 sqft
    2024-08-01 58 days 2,066 sqft
    2024-09-01 58 days 2,027 sqft
    2024-10-01 73 days 2,014 sqft
    2024-11-01 80 days 1,987 sqft
    2024-12-01 84 days 1,977 sqft
    2025-01-01 79 days 1,980 sqft
    2025-02-01 74 days 1,980 sqft
    2025-03-01 0 days 2,020 sqft
    Augusta's median listing age (time on market) for 2025-03-01 was 0 days. This is -100% shorter than the same period one year ago.

    Augusta's median square footage for active listings during the 2025-03-01 period was 2,020 sqft. One year prior, the average listing was 2,013 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).