Columbia FHA Loan Rates, Closing Costs & Stats

COLUMBIA, 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.

    Columbia's 182 lenders originated 3,534 FHA loans during 2024. The total origination value was $906,020,000, with an average FHA loan value of $256,372.

    Columbia FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Columbia averaged 6.63% for the week of 2025-05-23, compared to the national average (all FHA variants) of 6.612% for the same period.

    Columbia's average FHA mortgage closing costs are $7,795.

    The average rate for the prior week (2025-05-16) was 6.47% and one month ago for the week of 2025-04-18, the average rate was 6.29%.

    The average rate one year ago was 6.66%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.17%.

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

    Columbia 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 Columbia level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GUILD MORTGAGE COMPANY 287 6.48% $10,154
    QUICKEN LOANS, LLC 217 6.37% $10,415
    UNITED WHOLESALE MORTGAGE, LLC 195 6.20% $12,124
    VANDERBILT MORTGAGE AND FINANCE, INC. 168 5.92% $10,759
    First Heritage Mortgage, LLC 165 6.16% $11,597
    FBC MORTGAGE, LLC 119 5.38% $9,633
    Ameris Bank 116 6.30% $9,914
    CROSSCOUNTRY MORTGAGE, LLC 96 6.55% $11,279
    MOVEMENT MORTGAGE, LLC 94 6.69% $9,447
    RESOURCE FINANCIAL SERVICES, INC. 85 6.45% $10,045
    EAGLE HOME MORTGAGE, LLC 83 6.28% $11,972
    LOANDEPOT.COM, LLC 78 6.42% $9,287
    DHI MORTGAGE COMPANY, LTD. 73 5.01% $7,120
    FREEDOM MORTGAGE CORPORATION 71 6.44% $11,274
    BROKER SOLUTIONS, INC. 59 6.85% $10,818
    First Palmetto Bank 58 6.32% $8,183
    GUARANTEED RATE, INC. 48 6.75% $10,202
    PENNYMAC LOAN SERVICES, LLC 47 6.03% $9,119
    NVR Mortgage Finance, Inc. 47 6.11% $11,050
    HOMESIDE FINANCIAL, LLC 44 6.35% $11,084
    GUARANTEED RATE AFFINITY, LLC 42 6.59% $10,269
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 42 6.52% $10,514
    NEWREZ LLC 31 6.42% $9,402
    Renasant Bank 31 6.46% $9,300
    CARDINAL FINANCIAL 30 6.44% $13,271
    PRIMELENDING, A PLAINSCAPITAL COMPANY 29 6.69% $11,129
    First Community Bank 27 6.48% $10,266
    First-Citizens Bank & Trust Company 26 5.34% $8,399
    AMERICAN FINANCIAL NETWORK, INC. 23 7.05% $10,618
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 23 6.59% $9,217
    CMG MORTGAGE, INC. 22 6.73% $10,427
    Assurance Financial Group, L.L.C. 22 6.77% $10,567
    Carrington Mortgage Services, LLC 21 6.51% $11,829
    TOWNE MORTGAGE COMPANY 20 6.58% $10,958
    DELMAR FINANCIAL COMPANY 19 6.37% $9,889
    Equity Prime Mortgage LLC 19 7.09% $12,898
    AMERICAN FINANCIAL RESOURCES, INC. 18 6.67% $11,846
    PULTE MORTGAGE LLC 17 4.96% $8,061
    MUTUAL OF OMAHA MORTGAGE, INC. 16 6.65% $12,194
    South State Bank 14 6.27% $8,989
    PLAZA HOME MORTGAGE, INC. 14 6.96% $10,083
    Flagstar Bank, FSB 14 6.09% $9,474
    Synovus Bank 13 6.47% $8,572
    LOANPAL, LLC 13 5.74% $10,338
    AmeriHome Mortgage Company, LLC 12 6.57% $5,877
    The Federal Savings Bank 12 6.68% $10,599
    Regions Bank 12 5.88% $12,989
    Mr. Cooper ( Nationstar Mortgage ) 12 6.36% $13,787
    INTERLINC MORTGAGE SERVICES, LLC 12 6.44% $8,027
    AXIA FINANCIAL, LLC 11 6.49% $13,424
    VILLAGE CAPITAL MORTGAGE 11 6.40% $8,370
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 11 6.45% $10,571
    AMERISAVE MORTGAGE CORPORATION 11 6.43% $11,243
    RELIANCE FIRST CAPITAL, LLC 10 6.46% $12,468
    ZILLOW HOME LOANS, LLC 9 6.46% $9,818
    PLANET HOME LENDING, LLC 9 6.22% $7,509
    SUN WEST MORTGAGE COMPANY, INC. 9 5.88% $13,067
    Century Mortgage Company DBA Century Lending Company 9 5.86% $12,166
    LAKEVIEW LOAN SERVICING, LLC 9 6.30% $9,143
    Lakeview Community Capital, LLC 9 6.35% $8,355
    SeaTrust Mortgage Company 8 6.13% $11,649
    TOTAL MORTGAGE SERVICES, LLC 8 6.86% $12,205
    Mortgage Research Center, LLC 8 7.14% $6,908
    NATION ONE MORTGAGE CORPORATION 7 6.63% $14,765
    STOCKTON MORTGAGE CORPORATION 7 6.64% $12,639
    SOUTHPOINT FINANCIAL SERVICES, INC. 7 6.55% $6,950
    First Federal Bank 7 6.16% $9,074
    First Reliance Bank 7 6.41% $7,472
    MID AMERICA MORTGAGE, INC. 7 6.11% $13,461
    Paramount Residential Mortgage Group, Inc. 7 6.50% $11,177
    NFM, INC. 7 7.11% $11,276
    HOMEOWNERS FINANCIAL GROUP USA, LLC 6 6.29% $11,124
    LEADERONE FINANCIAL CORPORATION 6 6.52% $10,024
    Integrity Home Mortgage Corp 6 6.08% $10,517
    LEGEND LENDING CORPORATION 6 5.88% $18,521
    AMERICAN FINANCING CORPORATION 6 5.75% $13,193
    Trustmark National Bank 6 6.40% $9,628
    SUMMIT FUNDING, INC. 6 6.83% $11,294
    ROYAL UNITED MORTGAGE LLC 6 6.79% $12,377
    Truist 5 6.25% $8,673
    UNION HOME MORTGAGE CORP. 5 6.93% $9,154
    Magnolia Bank 5 6.38% $11,995
    Wells Fargo Bank 5 6.53% $8,795
    VERITAS FUNDING, LLC 5 6.25% $16,792
    T2 FINANCIAL LLC 5 6.75% $12,014
    CALCON MUTUAL MORTGAGE LLC 4 6.44% $8,129
    Gateway First Bank 4 6.75% $9,976
    Nations Lending Corporation 4 6.28% $14,014
    JMAC LENDING, INC. 4 5.56% $12,488
    Residential Acceptance Corporation 4 6.72% $6,065
    American Security Mortgage Corp. 4 6.15% $16,089
    INTERCOASTAL MORTGAGE COMPANY 4 6.50% $8,581
    MORTGAGE SOLUTIONS OF COLORADO, LLC 4 6.94% $11,175
    MILEND, INC. 4 6.19% $14,496
    AMERITRUST MORTGAGE CORPORATION 4 7.06% $14,429
    GENEVA FINANCIAL, LLC 4 6.38% $11,904
    1ST SIGNATURE LENDING, LLC 3 6.79% $13,783
    ACOPIA, LLC 3 6.83% $13,165
    Alcova Mortgage LLC 3 6.96% $6,224
    Atlantic Coast Mortgage, LLC 3 6.17% $10,620
    Bank of America 3 5.75% $8,801
    JPMorgan Chase Bank 3 6.25% $4,697
    NATIONS DIRECT MORTGAGE, LLC 3 6.21% $12,158
    PHH Mortgage Corporation 3 6.70% $9,572
    PRIMARY RESIDENTIAL MORTGAGE, INC. 3 6.58% $5,668
    RUOFF MORTGAGE COMPANY, INC. 3 5.88% $10,614
    Southern First Bank 3 6.46% $6,265
    SOUTHWEST FUNDING, LP 3 6.96% $10,314
    The Loan Store, Inc. 3 6.00% $12,661
    CAROLINA ONE MORTGAGE, LLC 2 7.00% $10,509
    Prosperity Home Mortgage, LLC 2 6.38% $7,040
    ABSOLUTE HOME MORTGAGE CORPORATION 2 6.69% $13,767
    OCEANSIDE MORTGAGE COMPANY 2 6.38% $3,251
    TJC Mortgage, Inc. 2 6.06% $10,733
    TOP FLITE FINANCIAL, INC. 2 7.13% $7,241
    Pinnacle Bank 2 6.19% $8,973
    OCMBC, INC. 2 6.69% $12,832
    Ixonia Bank 2 7.19% $8,651
    Blue Ridge Bank 2 6.00% $8,167
    BAY EQUITY LLC 2 6.37% $8,343
    Barrington Bank & Trust Company, N.A. 2 6.25% $14,808
    Security Federal Bank 2 5.63% $9,847
    DIRECT MORTGAGE LOANS, LLC 2 6.25% $11,597
    Axos Bank 2 6.13% $8,982
    MID-ISLAND MORTGAGE CORP. 2 6.88% $7,219
    CONTOUR MORTGAGE CORPORATION 2 6.44% $11,653
    MYCUMORTGAGE, LLC 2 6.50% $9,320
    NATIONWIDE MORTGAGE BANKERS, INC. 2 6.87% $16,520
    Princeton Mortgage Corporation 2 6.38% $12,032
    NEW DAY FINANCIAL, LLC 2 7.44% $5,205
    TD Bank 2 6.94% $8,917
    ENVOY MORTGAGE, LTD 2 6.63% $9,869
    FIRST COMMUNITY MORTGAGE, INC. 1 7.50% $8,024
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 6.50% $14,280
    Atlantic Union Bank 1 6.13% $6,452
    Fifth Third Bank 1 6.25% $6,856
    Servion, Inc. 1 7.13% $9,913
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.63% $5,055
    Encompass Lending Group, LP 1 7.13% $10,704
    ALLIED MORTGAGE GROUP, INC. 1 6.63% $9,403
    SOUTHWEST STAGE FUNDING, LLC 1 7.25% $3,744
    Springfield First Community Bank 1 6.50% $7,448
    EMM LOANS LLC 1 5.88% $12,279
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.13% $12,568
    Countybank 1 6.75% $6,257
    CHURCHILL MORTGAGE CORPORATION 1 7.13% $13,895
    Texana Bank 1 6.00% $13,883
    The Freedom Bank of Virginia 1 5.63% $18,605
    The Union Bank Company 1 5.75% $11,047
    CANOPY MORTGAGE, LLC 1 6.13% $18,757
    Towne Bank 1 6.13% $7,578
    BOND STREET MORTGAGE, LLC 1 6.75% $7,644
    United Community Bank 1 6.50% $5,658
    UNITED MORTGAGE CORP 1 5.75% $20,422
    U.S. Bank 1 6.75% $10,204
    US MORTGAGE CORPORATION 1 7.13% $17,362
    NBKC BANK 1 6.13% $12,317
    M&T Bank 1 6.75% $9,915
    Mortgage Lenders Investment Trading Corporation 1 6.75% $9,661
    NEXERA HOLDING LLC 1 5.25% $7,714
    Northpointe Bank 1 7.75% $12,171
    MORTGAGE EQUITY PARTNERS LLC 1 7.75% $10,839
    OceanFirst Bank 1 6.25% $8,815
    Paramount Bank 1 7.38% $5,755
    Mortgage Assurance Inc. 1 6.25% $13,120
    AUGUSTA MORTGAGE CO. 1 5.75% $17,645
    Plains Commerce Bank 1 5.75% $16,957
    LOANLEADERS OF AMERICA, INC. 1 5.63% $13,233
    LIBERTY HOME MORTGAGE CORPORATION 1 6.63% $17,921
    PNC Bank 1 6.63% $11,731
    POLARIS HOME FUNDING CORP. 1 7.00% $8,798
    PREMIER LENDING, INC. 1 6.25% $11,514
    Presidential Bank, FSB 1 6.75% $14,147
    Preston Home Loans Inc 1 7.13% $10,761
    Vellum Mortgage, Inc. 1 6.75% $12,623
    LADERA LENDING, INC. 1 6.00% $18,174
    Keystone Funding, Inc. 1 6.13% $12,599
    JMJ FINANCIAL GROUP 1 5.75% $16,730
    RADIUS FINANCIAL GROUP INC. 1 6.49% $8,055
    HOMESPIRE MORTGAGE CORPORATION 1 6.00% $13,011
    GSF Mortgage Corporation 1 7.63% $15,876
    First Option Mortgage, LLC 1 6.50% $10,864

    The top Columbia FHA lender as defined by loan originations is GUILD MORTGAGE COMPANY, with 287 FHA loans originated. Their average total fees are $10,154, which is $261 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Columbia FHA lenders (with over 10 loans originated) are AmeriHome Mortgage Company, LLC ($5,877), DHI MORTGAGE COMPANY, LTD. ($7,120), INTERLINC MORTGAGE SERVICES, LLC ($8,027), PULTE MORTGAGE LLC ($8,061) and First Palmetto Bank ($8,183).

    The lowest rate Columbia FHA lenders (with over 10 loans originated) are PULTE MORTGAGE LLC (4.96%), DHI MORTGAGE COMPANY, LTD. (5.01%), First-Citizens Bank & Trust Company (5.34%), FBC MORTGAGE, LLC (5.38%) and LOANPAL, LLC (5.74%).

    Columbia FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    COLUMBIA, SC CALHOUN 2022 $420,680 $538,650 $651,050 $809,150
    COLUMBIA, SC FAIRFIELD 2022 $420,680 $538,650 $651,050 $809,150
    COLUMBIA, SC KERSHAW 2022 $420,680 $538,650 $651,050 $809,150
    COLUMBIA, SC LEXINGTON 2022 $420,680 $538,650 $651,050 $809,150
    COLUMBIA, SC RICHLAND 2022 $420,680 $538,650 $651,050 $809,150
    COLUMBIA, SC SALUDA 2022 $420,680 $538,650 $651,050 $809,150
    COLUMBIA, SC CALHOUN 2023 $472,030 $604,400 $730,525 $907,900
    COLUMBIA, SC FAIRFIELD 2023 $472,030 $604,400 $730,525 $907,900
    COLUMBIA, SC KERSHAW 2023 $472,030 $604,400 $730,525 $907,900
    COLUMBIA, SC LEXINGTON 2023 $472,030 $604,400 $730,525 $907,900
    COLUMBIA, SC RICHLAND 2023 $472,030 $604,400 $730,525 $907,900
    COLUMBIA, SC SALUDA 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Columbia (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 $199,000 (5.3%) $250,604 (6.1%) 0.74 3,404
    2018-02-01 $198,750 (8.9%) $252,681 (-4.3%) 0.72 3,362
    2018-03-01 $200,000 (8.4%) $261,067 (14.1%) 0.70 3,417
    2018-04-01 $212,000 (7.7%) $264,621 (7.0%) 0.72 3,469
    2018-05-01 $216,794 (8.7%) $271,925 (8.4%) 0.72 3,422
    2018-06-01 $225,000 (12.9%) $281,116 (11.9%) 0.75 3,436
    2018-07-01 $225,000 (12.8%) $281,029 (11.3%) 0.75 3,595
    2018-08-01 $224,200 (12.2%) $276,881 (8.9%) 0.75 3,536
    2018-09-01 $224,900 (13.0%) $275,872 (8.9%) 0.76 3,482
    2018-10-01 $222,181 (11.2%) $300,798 (18.9%) 0.75 3,471
    2018-11-01 $229,500 (14.9%) $277,963 (10.3%) 0.78 3,372
    2018-12-01 $232,995 (16.8%) $280,124 (12.0%) 0.80 3,179
    2019-01-01 $229,500 (15.3%) $273,572 (9.2%) 0.79 3,066
    2019-02-01 $228,578 (15.0%) $273,652 (8.3%) 0.77 3,097
    2019-03-01 $234,186 (17.1%) $281,294 (7.8%) 0.77 3,057
    2019-04-01 $239,900 (13.2%) $289,342 (9.3%) 0.76 3,014
    2019-05-01 $239,000 (10.2%) $290,168 (6.7%) 0.75 3,030
    2019-06-01 $239,000 (6.2%) $284,350 (1.2%) 0.75 3,086
    2019-07-01 $234,951 (4.4%) $281,816 (0.3%) 0.74 3,147
    2019-08-01 $232,200 (3.6%) $281,164 (1.6%) 0.74 3,151
    2019-09-01 $228,150 (1.5%) $280,127 (1.5%) 0.73 3,111
    2019-10-01 $227,900 (2.6%) $281,917 (-6.3%) 0.74 3,029
    2019-11-01 $228,366 (-0.5%) $282,633 (1.7%) 0.75 2,952
    2019-12-01 $227,625 (-2.3%) $282,334 (0.8%) 0.76 2,854
    2020-01-01 $228,968 (-0.2%) $280,604 (2.6%) 0.77 2,673
    2020-02-01 $234,000 (2.4%) $283,386 (3.6%) 0.77 2,565
    2020-03-01 $239,553 (2.3%) $291,886 (3.8%) 0.75 2,436
    2020-04-01 $243,527 (1.5%) $296,166 (2.4%) 0.76 2,466
    2020-05-01 $248,427 (3.9%) $303,001 (4.4%) 0.76 2,262
    2020-06-01 $249,900 (4.6%) $306,177 (7.7%) 0.74 1,958
    2020-07-01 $250,000 (6.4%) $310,580 (10.2%) 0.72 1,796
    2020-08-01 $253,950 (9.4%) $316,557 (12.6%) 0.73 1,675
    2020-09-01 $249,950 (9.6%) $308,246 (10.0%) 0.72 1,628
    2020-10-01 $245,000 (7.5%) $300,419 (6.6%) 0.70 1,601
    2020-11-01 $249,904 (9.4%) $306,915 (8.6%) 0.73 1,534
    2020-12-01 $250,086 (9.9%) $308,620 (9.3%) 0.74 1,388
    2021-01-01 $249,100 (8.8%) $310,895 (10.8%) 0.74 1,257
    2021-02-01 $252,590 (7.9%) $314,869 (11.1%) 0.74 1,094
    2021-03-01 $253,362 (5.8%) $322,672 (10.6%) 0.72 954
    2021-04-01 $264,354 (8.6%) $332,964 (12.4%) 0.72 859
    2021-05-01 $259,900 (4.6%) $328,439 (8.4%) 0.69 829
    2021-06-01 $254,950 (2.0%) $321,617 (5.0%) 0.67 885
    2021-07-01 $265,000 (6.0%) $327,948 (5.6%) 0.70 1,076
    2021-08-01 $273,250 (7.6%) $336,415 (6.3%) 0.73 1,204
    2021-09-01 $275,396 (10.2%) $341,193 (10.7%) 0.73 1,240
    2021-10-01 $281,343 (14.8%) $345,421 (15.0%) 0.75 1,284
    2021-11-01 $290,292 (16.2%) $351,911 (14.7%) 0.78 1,162
    2021-12-01 $297,201 (18.8%) $358,940 (16.3%) 0.81 1,108
    2022-01-01 $299,990 (20.4%) $361,473 (16.3%) 0.81 962
    2022-02-01 $302,030 (19.6%) $365,757 (16.2%) 0.79 867
    2022-03-01 $305,830 (20.7%) $360,274 (11.7%) 0.77 866
    2022-04-01 $306,066 (15.8%) $362,885 (9.0%) 0.73 856
    2022-05-01 $312,866 (20.4%) $379,351 (15.5%) 0.72 1,073
    2022-06-01 $317,300 (24.5%) $386,275 (20.1%) 0.71 1,193
    2022-07-01 $319,900 (20.7%) $388,474 (18.5%) 0.72 1,562
    2022-08-01 $319,300 (16.9%) $385,963 (14.7%) 0.74 1,663
    2022-09-01 $310,046 (12.6%) $379,162 (11.1%) 0.72 1,721
    2022-10-01 $306,356 (8.9%) $375,121 (8.6%) 0.72 1,790
    2022-11-01 $303,024 (4.4%) $370,054 (5.2%) 0.73 1,791
    2022-12-01 $299,000 (0.6%) $364,851 (1.7%) 0.74 1,677
    2023-01-01 $299,950 (0.0%) $358,491 (-0.8%) 0.74 1,558
    2023-02-01 $301,694 (-0.1%) $359,312 (-1.8%) 0.73 1,479
    2023-03-01 $304,725 (-0.4%) $366,898 (1.8%) 0.72 1,438
    2023-04-01 $315,000 (2.9%) $382,686 (5.5%) 0.73 1,391
    2023-05-01 $325,394 (4.0%) $390,560 (3.0%) 0.74 1,348
    2023-06-01 $337,000 (6.2%) $407,512 (5.5%) 0.76 1,418
    2023-07-01 $327,165 (2.3%) $393,687 (1.3%) 0.74 1,502
    2023-08-01 $320,000 (0.2%) $385,043 (-0.2%) 0.73 1,604
    2023-09-01 $310,000 (0.0%) $374,580 (-1.2%) 0.72 1,757
    2023-10-01 $304,345 (-0.7%) $373,618 (-0.4%) 0.72 1,859
    2023-11-01 $302,504 (-0.2%) $375,002 (1.3%) 0.72 1,959
    2023-12-01 $299,900 (0.3%) $368,034 (0.9%) 0.73 1,936
    2024-01-01 $299,620 (-0.1%) $394,792 (10.1%) 0.73 1,902
    2024-02-01 $300,000 (-0.6%) $376,824 (4.9%) 0.72 1,872
    2024-03-01 $300,000 (-1.6%) $384,100 (4.7%) 0.71 1,882
    2024-04-01 $307,791 (-2.3%) $391,681 (2.4%) 0.72 1,906
    2024-05-01 $312,819 (-3.9%) $406,098 (4.0%) 0.71 1,909
    2024-06-01 $314,900 (-6.6%) $403,878 (-0.9%) 0.72 2,029
    2024-07-01 $315,000 (-3.7%) $401,340 (1.9%) 0.72 2,181
    2024-08-01 $312,000 (-2.5%) $394,532 (2.5%) 0.73 2,294
    2024-09-01 $309,923 (0.0%) $392,366 (4.8%) 0.73 2,337
    2024-10-01 $308,181 (1.3%) $389,072 (4.1%) 0.73 2,324
    2024-11-01 $305,803 (1.1%) $386,981 (3.2%) 0.73 2,449
    2024-12-01 $302,755 (1.0%) $379,533 (3.1%) 0.75 2,321
    2025-01-01 $305,950 (2.1%) $382,851 (-3.0%) 0.76 2,203
    2025-02-01 $301,633 (0.5%) $393,024 (4.3%) 0.73 2,200
    2025-03-01 $307,500 (2.5%) $409,163 (6.5%) 0.72 2,193
    2025-04-01 $316,970 (3.0%) $420,857 (7.5%) 0.74 2,286
    Columbia's median listing price for 2025-04-01 was $316,970, a difference of $9,179 (3.0%) versus the prior year and $9,470 versus the prior month.

    Columbia's median listing price comes in at 74% of the national average.

    Columbia's average listing price for 2025-04-01 was $420,857, a difference of $29,176 (7.5%) versus the prior year and $11,694 versus the prior month.

    For the 2025-04-01 period, Columbia had 2,286 MLS listings, a difference of 93 listings (4%) versus the prior month and 380 listings (20%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Columbia (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 75 days 2,153 sqft
    2018-02-01 68 days 2,158 sqft
    2018-03-01 55 days 2,205 sqft
    2018-04-01 52 days 2,238 sqft
    2018-05-01 52 days 2,245 sqft
    2018-06-01 52 days 2,278 sqft
    2018-07-01 54 days 2,274 sqft
    2018-08-01 58 days 2,248 sqft
    2018-09-01 63 days 2,231 sqft
    2018-10-01 67 days 2,225 sqft
    2018-11-01 72 days 2,254 sqft
    2018-12-01 77 days 2,266 sqft
    2019-01-01 77 days 2,241 sqft
    2019-02-01 65 days 2,232 sqft
    2019-03-01 56 days 2,249 sqft
    2019-04-01 53 days 2,263 sqft
    2019-05-01 53 days 2,246 sqft
    2019-06-01 52 days 2,255 sqft
    2019-07-01 50 days 2,241 sqft
    2019-08-01 51 days 2,228 sqft
    2019-09-01 54 days 2,224 sqft
    2019-10-01 56 days 2,228 sqft
    2019-11-01 60 days 2,218 sqft
    2019-12-01 69 days 2,204 sqft
    2020-01-01 71 days 2,199 sqft
    2020-02-01 60 days 2,225 sqft
    2020-03-01 49 days 2,242 sqft
    2020-04-01 46 days 2,251 sqft
    2020-05-01 57 days 2,250 sqft
    2020-06-01 50 days 2,252 sqft
    2020-07-01 44 days 2,249 sqft
    2020-08-01 39 days 2,248 sqft
    2020-09-01 38 days 2,238 sqft
    2020-10-01 37 days 2,196 sqft
    2020-11-01 42 days 2,211 sqft
    2020-12-01 46 days 2,206 sqft
    2021-01-01 43 days 2,143 sqft
    2021-02-01 32 days 2,076 sqft
    2021-03-01 22 days 2,045 sqft
    2021-04-01 18 days 2,060 sqft
    2021-05-01 16 days 2,024 sqft
    2021-06-01 15 days 1,992 sqft
    2021-07-01 17 days 2,020 sqft
    2021-08-01 22 days 2,051 sqft
    2021-09-01 26 days 2,079 sqft
    2021-10-01 29 days 2,126 sqft
    2021-11-01 32 days 2,170 sqft
    2021-12-01 38 days 2,196 sqft
    2022-01-01 43 days 2,166 sqft
    2022-02-01 23 days 2,070 sqft
    2022-03-01 19 days 2,016 sqft
    2022-04-01 17 days 2,000 sqft
    2022-05-01 17 days 2,003 sqft
    2022-06-01 23 days 2,075 sqft
    2022-07-01 24 days 2,133 sqft
    2022-08-01 36 days 2,172 sqft
    2022-09-01 38 days 2,148 sqft
    2022-10-01 44 days 2,170 sqft
    2022-11-01 51 days 2,171 sqft
    2022-12-01 58 days 2,153 sqft
    2023-01-01 52 days 2,166 sqft
    2023-02-01 41 days 2,178 sqft
    2023-03-01 36 days 2,175 sqft
    2023-04-01 35 days 2,205 sqft
    2023-05-01 33 days 2,229 sqft
    2023-06-01 34 days 2,246 sqft
    2023-07-01 35 days 2,193 sqft
    2023-08-01 35 days 2,165 sqft
    2023-09-01 38 days 2,092 sqft
    2023-10-01 41 days 2,075 sqft
    2023-11-01 42 days 2,051 sqft
    2023-12-01 48 days 2,000 sqft
    2024-01-01 51 days 2,000 sqft
    2024-02-01 43 days 2,026 sqft
    2024-03-01 42 days 2,032 sqft
    2024-04-01 38 days 2,030 sqft
    2024-05-01 38 days 2,050 sqft
    2024-06-01 39 days 2,043 sqft
    2024-07-01 41 days 2,045 sqft
    2024-08-01 45 days 2,025 sqft
    2024-09-01 50 days 2,009 sqft
    2024-10-01 51 days 2,000 sqft
    2024-11-01 51 days 1,992 sqft
    2024-12-01 53 days 1,966 sqft
    2025-01-01 56 days 1,976 sqft
    2025-02-01 50 days 1,970 sqft
    2025-03-01 43 days 1,992 sqft
    2025-04-01 39 days 2,013 sqft
    Columbia's median listing age (time on market) for 2025-04-01 was 39 days. This is 3% longer than the same period one year ago.

    Columbia's median square footage for active listings during the 2025-04-01 period was 2,013 sqft. One year prior, the average listing was 2,030 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).