Fayetteville FHA Loan Rates, Closing Costs & Stats

FAYETTEVILLE, NC

  • 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.

    Fayetteville's 164 lenders originated 1,939 FHA loans during 2024. The total origination value was $479,875,000, with an average FHA loan value of $247,486.

    Fayetteville FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Fayetteville averaged 6.34% for the week of 2025-04-04, compared to the national average (all FHA variants) of 6.259% for the same period.

    Fayetteville's average FHA mortgage closing costs are $7,739.

    The average rate for the prior week (2025-03-28) was 6.13% and one month ago for the week of 2025-02-28, the average rate was 6.22%.

    The average rate one year ago was 6.64%.

    For refis of the same type during the week of 2025-04-04, the average rate was 5.57%.

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

    Fayetteville 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 Fayetteville level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 160 6.36% $10,343
    UNITED WHOLESALE MORTGAGE, LLC 128 6.15% $11,522
    MOVEMENT MORTGAGE, LLC 113 6.49% $10,931
    DHI MORTGAGE COMPANY, LTD. 77 4.73% $8,553
    CORNERSTONE HOME LENDING, INC. 70 6.47% $11,435
    FREEDOM MORTGAGE CORPORATION 53 6.46% $10,501
    CROSSCOUNTRY MORTGAGE, LLC 51 6.59% $11,074
    PENNYMAC LOAN SERVICES, LLC 40 6.01% $10,534
    LOANDEPOT.COM, LLC 40 6.32% $10,323
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 37 6.50% $10,161
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 33 6.55% $10,755
    BROKER SOLUTIONS, INC. 31 6.86% $10,060
    KBHS HOME LOANS, LLC 28 5.76% $11,307
    UNION HOME MORTGAGE CORP. 27 6.49% $10,631
    American Security Mortgage Corp. 27 6.44% $9,387
    GUARANTEED RATE, INC. 27 6.25% $10,944
    SOUTHERN TRUST MORTGAGE, LLC 26 6.74% $14,500
    Alcova Mortgage LLC 26 6.57% $8,813
    NVR Mortgage Finance, Inc. 25 6.08% $11,251
    GUILD MORTGAGE COMPANY 24 6.27% $10,442
    Mr. Cooper ( Nationstar Mortgage ) 22 6.59% $13,504
    VELOCIO MORTGAGE L.L.C. 22 5.35% $7,922
    NFM, INC. 21 6.26% $14,025
    FIRST HOME MORTGAGE CORPORATION 20 6.49% $13,082
    NEWREZ LLC 19 6.35% $10,173
    Mortgage Research Center, LLC 18 6.50% $7,872
    Towne Bank 18 5.67% $13,120
    HOMESPIRE MORTGAGE CORPORATION 17 6.47% $9,898
    Truist 16 6.22% $10,532
    CMG MORTGAGE, INC. 15 7.02% $9,379
    Equity Prime Mortgage LLC 15 7.23% $10,453
    PLAZA HOME MORTGAGE, INC. 14 6.76% $9,278
    SeaTrust Mortgage Company 13 6.70% $9,313
    GoPrime Mortgage, Inc. 13 6.81% $10,195
    MATTAMY HOME FUNDING, LLC 13 5.66% $9,884
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 13 6.85% $10,701
    CARDINAL FINANCIAL 12 6.91% $10,500
    Presidential Bank, FSB 10 6.76% $10,012
    LOANPAL, LLC 10 5.81% $9,334
    PRIMELENDING, A PLAINSCAPITAL COMPANY 10 6.02% $10,694
    VILLAGE CAPITAL MORTGAGE 10 6.60% $5,170
    AMERISAVE MORTGAGE CORPORATION 9 6.38% $14,431
    SUMMIT FUNDING, INC. 9 6.57% $10,031
    Flagstar Bank, FSB 9 6.12% $7,715
    INTERCOASTAL MORTGAGE COMPANY 9 6.46% $9,410
    JET HOMELOANS, LLC 8 6.04% $10,126
    Carrington Mortgage Services, LLC 8 6.27% $9,199
    MORTGAGE SOLUTIONS OF COLORADO, LLC 8 6.69% $10,943
    ZILLOW HOME LOANS, LLC 8 6.81% $9,243
    First-Citizens Bank & Trust Company 7 5.98% $8,623
    SUCCESS MORTGAGE PARTNERS, INC. 7 6.59% $12,690
    RELIANCE FIRST CAPITAL, LLC 7 6.21% $10,444
    United Community Bank 7 6.54% $9,499
    MUTUAL OF OMAHA MORTGAGE, INC. 6 6.50% $12,191
    ACOPIA, LLC 6 7.08% $13,611
    DELMAR FINANCIAL COMPANY 6 5.77% $12,120
    EMM LOANS LLC 6 6.12% $14,607
    Integrity Home Mortgage Corp 6 6.60% $8,912
    SUN WEST MORTGAGE COMPANY, INC. 5 6.17% $11,333
    North State Bank 5 6.35% $9,167
    Paramount Residential Mortgage Group, Inc. 5 6.88% $10,485
    Prosperity Home Mortgage, LLC 5 6.75% $12,639
    AmeriHome Mortgage Company, LLC 5 6.28% $8,400
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 5 6.55% $9,751
    LAKEVIEW LOAN SERVICING, LLC 4 6.38% $8,092
    EQUITY RESOURCES, INC. 4 6.59% $7,767
    MILEND, INC. 4 6.41% $10,683
    PRIMARY RESIDENTIAL MORTGAGE, INC. 4 6.94% $5,099
    Wells Fargo Bank 4 6.47% $11,987
    Towne Mortgage of the Carolinas, LLC 4 6.59% $9,376
    HOMESIDE FINANCIAL, LLC 4 6.69% $9,179
    MICHIGAN MUTUAL, INC. 3 6.38% $6,744
    MID AMERICA MORTGAGE, INC. 3 7.38% $7,683
    Blue Ridge Bank 3 6.50% $10,493
    AMERICAN FINANCIAL RESOURCES, INC. 3 6.25% $6,476
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 6.75% $12,125
    The Central Trust Bank 3 6.33% $9,390
    First Horizon Bank 3 6.21% $8,848
    HOMEBRIDGE FINANCIAL SERVICES, INC. 3 6.50% $4,923
    The Federal Savings Bank 3 6.54% $14,871
    The Fidelity Bank 3 6.50% $10,072
    AMERICAN FINANCIAL NETWORK, INC. 3 7.04% $12,556
    Plains Commerce Bank 3 6.33% $11,317
    VERITAS FUNDING, LLC 3 6.33% $18,445
    Nations Lending Corporation 3 6.00% $15,562
    Encompass Lending Group, LP 3 6.58% $10,946
    TOWNE MORTGAGE COMPANY 3 6.38% $7,680
    Barrington Bank & Trust Company, N.A. 3 6.34% $9,962
    EVERETT FINANCIAL, INC. 2 6.94% $8,310
    ALLIED MORTGAGE GROUP, INC. 2 6.69% $10,869
    American Mortgage & Equity Consultants, Inc. 2 6.44% $21,053
    Century Mortgage Company DBA Century Lending Company 2 7.25% $10,129
    CITY FIRST MORTGAGE SERVICES, L.L.C. 2 6.13% $13,408
    City Lending Inc. 2 7.75% $11,527
    1ST SIGNATURE LENDING, LLC 2 6.13% $13,061
    FBC MORTGAGE, LLC 2 5.12% $13,336
    Fifth Third Bank 2 6.63% $11,129
    FIRST COMMUNITY MORTGAGE, INC. 2 6.31% $16,997
    First National Bank of Pennsylvania 2 5.94% $11,147
    Lakeview Community Capital, LLC 2 6.00% $8,657
    NATIONS DIRECT MORTGAGE, LLC 2 6.75% $12,249
    NEW DAY FINANCIAL, LLC 2 7.56% $8,035
    NORWICH COMMERCIAL GROUP, INC. 2 6.50% $8,165
    OCMBC, INC. 2 6.69% $10,619
    PENTAGON FEDERAL CREDIT UNION 2 5.81% $9,173
    PLANET HOME LENDING, LLC 2 6.75% $5,219
    South Pacific Financial Corporation 2 4.94% $6,950
    STOCKTON MORTGAGE CORPORATION 2 6.88% $6,808
    TIDEWATER MORTGAGE SERVICES, INC. 2 6.75% $9,680
    Waterstone Mortgage Corporation 2 7.19% $10,712
    Northpointe Bank 1 7.00% $7,863
    V.I.P. MORTGAGE, INC. 1 6.99% $5,911
    NEXERA HOLDING LLC 1 5.50% $6,455
    PNC Bank 1 6.25% $8,510
    MYCUMORTGAGE, LLC 1 7.13% $8,820
    MORTGAGE INVESTORS GROUP, INC. 1 5.75% $16,842
    Magnolia Bank 1 6.75% $9,173
    Loan Simple, Inc. 1 7.25% $10,953
    LEGEND LENDING CORPORATION 1 6.50% $10,883
    RAPID MORTGAGE COMPANY 1 6.88% $7,479
    Keystone Funding, Inc. 1 6.75% $6,334
    Renasant Bank 1 6.75% $6,309
    Residential Acceptance Corporation 1 7.50% $6,309
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 5.88% $6,527
    RUOFF MORTGAGE COMPANY, INC. 1 6.75% $3,675
    JPMorgan Chase Bank 1 6.63% $3,784
    SFMC, LP 1 7.25% $20,753
    Sierra Pacific Mortgage Company, Inc. 1 5.88% $14,754
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 7.00% $12,169
    JAMS-01, INC. 1 5.75% $10,715
    Watermark Capital, Inc. 1 5.50% $8,884
    SOUTHWEST STAGE FUNDING, LLC 1 5.88% $13,448
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.00% $10,761
    Strong Home Mortgage, LLC 1 5.63% $0
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 6.63% $6,831
    GREENSTATE CREDIT UNION 1 6.25% $9,760
    GENEVA FINANCIAL, LLC 1 6.63% $11,395
    T2 FINANCIAL LLC 1 7.00% $6,811
    Texana Bank 1 6.75% $6,263
    FIRST SAVINGS MORTGAGE CORPORATION 1 7.75% $7,758
    First Heritage Mortgage, LLC 1 6.38% $7,930
    First Federal Bank 1 6.13% $5,262
    The Freedom Bank of Virginia 1 6.00% $7,383
    The Loan Store, Inc. 1 5.63% $9,399
    Ameris Bank 1 6.25% $7,568
    TJC Mortgage, Inc. 1 6.25% $8,563
    TOP FLITE FINANCIAL, INC. 1 6.75% $6,736
    FIRST EQUITY MORTGAGE INCORPORATED 1 4.88% $3,861
    EMBRACE HOME LOANS, INC. 1 6.25% $9,499
    DAS Acquisition Company, LLC 1 6.63% $7,827
    Corporate Investors Mortgage Group, Inc. 1 6.13% $10,802
    CAPITAL CENTER, L.L.C. 1 7.00% $4,865
    CALCON MUTUAL MORTGAGE LLC 1 6.75% $9,691
    Bank of England 1 6.63% $8,855
    UNIVERSITY Federal Credit Union 1 6.63% $10,756
    U.S. Bank 1 5.63% $14,405
    Atlantic Coast Mortgage, LLC 1 6.75% $5,356
    Armed Forces Bank 1 6.63% $7,573
    OPEN MORTGAGE, LLC 1 6.99% $13,192
    PANORAMA MORTGAGE GROUP, LLC 1 7.25% $11,395
    Old National Bank 1 6.00% $9,193
    OCEANSIDE MORTGAGE COMPANY 1 6.63% $4,295
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.63% $5,567
    Pinnacle Bank 1 5.63% $7,774

    The top Fayetteville FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 160 FHA loans originated. Their average total fees are $10,343, which is $1,179 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Fayetteville FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE ($5,170), Mortgage Research Center, LLC ($7,872), VELOCIO MORTGAGE L.L.C. ($7,922), DHI MORTGAGE COMPANY, LTD. ($8,553) and Alcova Mortgage LLC ($8,813).

    The lowest rate Fayetteville FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (4.73%), VELOCIO MORTGAGE L.L.C. (5.35%), MATTAMY HOME FUNDING, LLC (5.66%), Towne Bank (5.67%) and KBHS HOME LOANS, LLC (5.76%).

    Fayetteville FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    FAYETTEVILLE, NC CUMBERLAND 2022 $420,680 $538,650 $651,050 $809,150
    FAYETTEVILLE, NC HARNETT 2022 $420,680 $538,650 $651,050 $809,150
    FAYETTEVILLE, NC HOKE 2022 $420,680 $538,650 $651,050 $809,150
    FAYETTEVILLE, NC CUMBERLAND 2023 $472,030 $604,400 $730,525 $907,900
    FAYETTEVILLE, NC HARNETT 2023 $472,030 $604,400 $730,525 $907,900
    FAYETTEVILLE, NC HOKE 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Fayetteville (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 $155,000 (7.7%) $180,242 (3.8%) 0.57 2,233
    2018-02-01 $156,500 (4.9%) $181,056 (1.8%) 0.57 2,189
    2018-03-01 $159,900 (6.6%) $181,991 (2.3%) 0.56 2,197
    2018-04-01 $160,000 (6.7%) $184,191 (3.3%) 0.54 2,154
    2018-05-01 $162,250 (7.5%) $185,750 (4.2%) 0.54 2,146
    2018-06-01 $161,500 (4.2%) $187,680 (4.1%) 0.54 2,143
    2018-07-01 $161,725 (2.0%) $187,501 (3.2%) 0.54 2,145
    2018-08-01 $163,098 (3.1%) $188,558 (3.5%) 0.55 2,077
    2018-09-01 $161,990 (4.5%) $189,021 (4.2%) 0.54 2,077
    2018-10-01 $161,000 (3.0%) $188,850 (4.2%) 0.55 1,984
    2018-11-01 $159,990 (3.2%) $190,049 (5.4%) 0.54 1,957
    2018-12-01 $159,900 (3.2%) $188,404 (4.8%) 0.55 1,902
    2019-01-01 $162,368 (4.8%) $191,274 (6.1%) 0.56 1,757
    2019-02-01 $169,500 (8.3%) $197,370 (9.0%) 0.57 1,674
    2019-03-01 $180,343 (12.8%) $204,572 (12.4%) 0.59 1,559
    2019-04-01 $183,743 (14.8%) $208,766 (13.3%) 0.58 1,495
    2019-05-01 $176,473 (8.8%) $206,205 (11.0%) 0.55 1,477
    2019-06-01 $180,900 (12.0%) $209,003 (11.4%) 0.57 1,510
    2019-07-01 $179,950 (11.3%) $207,784 (10.8%) 0.56 1,537
    2019-08-01 $180,609 (10.7%) $206,195 (9.4%) 0.57 1,522
    2019-09-01 $181,673 (12.2%) $206,018 (9.0%) 0.58 1,503
    2019-10-01 $182,382 (13.3%) $205,776 (9.0%) 0.59 1,487
    2019-11-01 $185,000 (15.6%) $206,981 (8.9%) 0.61 1,443
    2019-12-01 $182,475 (14.1%) $204,997 (8.8%) 0.61 1,371
    2020-01-01 $188,475 (16.1%) $208,653 (9.1%) 0.63 1,242
    2020-02-01 $189,000 (11.5%) $209,623 (6.2%) 0.62 1,143
    2020-03-01 $190,613 (5.7%) $212,941 (4.1%) 0.60 984
    2020-04-01 $190,413 (3.6%) $217,049 (4.0%) 0.60 922
    2020-05-01 $199,600 (13.1%) $223,521 (8.4%) 0.61 758
    2020-06-01 $210,450 (16.3%) $232,839 (11.4%) 0.62 620
    2020-07-01 $216,838 (20.5%) $237,852 (14.5%) 0.63 584
    2020-08-01 $220,000 (21.8%) $240,953 (16.9%) 0.63 527
    2020-09-01 $215,000 (18.3%) $241,483 (17.2%) 0.62 519
    2020-10-01 $205,000 (12.4%) $240,597 (16.9%) 0.59 496
    2020-11-01 $210,598 (13.8%) $238,599 (15.3%) 0.62 457
    2020-12-01 $212,500 (16.5%) $248,439 (21.2%) 0.63 435
    2021-01-01 $212,900 (13.0%) $243,487 (16.7%) 0.64 400
    2021-02-01 $219,500 (16.1%) $250,746 (19.6%) 0.64 333
    2021-03-01 $198,450 (4.1%) $237,057 (11.3%) 0.56 297
    2021-04-01 $193,350 (1.5%) $234,624 (8.1%) 0.52 303
    2021-05-01 $199,900 (0.2%) $235,053 (5.2%) 0.53 314
    2021-06-01 $199,925 (-5.0%) $239,816 (3.0%) 0.53 371
    2021-07-01 $199,500 (-8.0%) $241,751 (1.6%) 0.53 434
    2021-08-01 $204,985 (-6.8%) $240,998 (0.0%) 0.55 502
    2021-09-01 $202,125 (-6.0%) $240,702 (-0.3%) 0.54 497
    2021-10-01 $198,750 (-3.1%) $242,821 (0.9%) 0.53 517
    2021-11-01 $202,083 (-4.0%) $251,302 (5.3%) 0.54 469
    2021-12-01 $217,450 (2.3%) $259,835 (4.6%) 0.59 414
    2022-01-01 $225,000 (5.7%) $270,007 (10.9%) 0.61 363
    2022-02-01 $227,950 (3.9%) $269,788 (7.6%) 0.59 313
    2022-03-01 $220,000 (10.9%) $264,755 (11.7%) 0.55 312
    2022-04-01 $240,000 (24.1%) $277,911 (18.5%) 0.57 343
    2022-05-01 $258,961 (29.6%) $287,546 (22.3%) 0.59 408
    2022-06-01 $271,825 (36.0%) $290,360 (21.1%) 0.61 530
    2022-07-01 $279,570 (40.1%) $298,697 (23.6%) 0.63 582
    2022-08-01 $296,725 (44.8%) $307,710 (27.7%) 0.69 624
    2022-09-01 $299,450 (48.2%) $311,930 (29.6%) 0.70 602
    2022-10-01 $311,620 (56.8%) $315,616 (30.0%) 0.73 610
    2022-11-01 $322,488 (59.6%) $320,796 (27.7%) 0.78 657
    2022-12-01 $315,000 (44.9%) $320,513 (23.4%) 0.78 659
    2023-01-01 $329,900 (46.6%) $330,424 (22.4%) 0.82 607
    2023-02-01 $329,955 (44.8%) $333,478 (23.6%) 0.80 570
    2023-03-01 $330,925 (50.4%) $335,132 (26.6%) 0.78 538
    2023-04-01 $323,950 (35.0%) $328,409 (18.2%) 0.75 523
    2023-05-01 $321,500 (24.2%) $328,940 (14.4%) 0.73 508
    2023-06-01 $326,425 (20.1%) $332,612 (14.6%) 0.73 510
    2023-07-01 $317,000 (13.4%) $324,577 (8.7%) 0.72 545
    2023-08-01 $317,965 (7.2%) $325,644 (5.8%) 0.73 622
    2023-09-01 $315,990 (5.5%) $324,470 (4.0%) 0.74 760
    2023-10-01 $316,475 (1.6%) $324,877 (2.9%) 0.74 847
    2023-11-01 $315,000 (-2.3%) $327,609 (2.1%) 0.75 895
    2023-12-01 $309,706 (-1.7%) $319,893 (-0.2%) 0.76 960
    2024-01-01 $312,350 (-5.3%) $317,706 (-3.9%) 0.76 871
    2024-02-01 $309,827 (-6.1%) $316,341 (-5.1%) 0.75 864
    2024-03-01 $309,950 (-6.3%) $318,484 (-5.0%) 0.73 850
    2024-04-01 $313,325 (-3.3%) $319,384 (-2.8%) 0.73 868
    2024-05-01 $321,853 (0.1%) $329,109 (0.1%) 0.73 929
    2024-06-01 $315,950 (-3.2%) $321,896 (-3.2%) 0.72 1,051
    2024-07-01 $310,920 (-1.9%) $316,873 (-2.4%) 0.71 1,158
    2024-08-01 $314,950 (-1.0%) $317,186 (-2.6%) 0.73 1,195
    2024-09-01 $314,975 (-0.3%) $320,912 (-1.1%) 0.74 1,263
    2024-10-01 $315,988 (-0.2%) $318,332 (-2.0%) 0.74 1,300
    2024-11-01 $316,450 (0.5%) $318,934 (-2.7%) 0.76 1,379
    2024-12-01 $319,828 (3.3%) $319,931 (0.0%) 0.79 1,391
    2025-01-01 $319,962 (2.4%) $317,444 (-0.1%) 0.80 1,355
    2025-02-01 $319,975 (3.3%) $316,064 (-0.1%) 0.78 1,317
    2025-03-01 $320,000 (3.2%) $316,864 (-0.5%) 0.00 1,318
    Fayetteville's median listing price for 2025-03-01 was $320,000, a difference of $10,050 (3.2%) versus the prior year and $25 versus the prior month.

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

    Fayetteville's average listing price for 2025-03-01 was $316,864, a difference of $-1,620 (-0.5%) versus the prior year and $800 versus the prior month.

    For the 2025-03-01 period, Fayetteville had 1,318 MLS listings, a difference of 1 listings (0%) versus the prior month and 468 listings (55%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Fayetteville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 94 days 1,750 sqft
    2018-02-01 92 days 1,750 sqft
    2018-03-01 77 days 1,750 sqft
    2018-04-01 71 days 1,850 sqft
    2018-05-01 67 days 1,850 sqft
    2018-06-01 67 days 1,850 sqft
    2018-07-01 68 days 1,850 sqft
    2018-08-01 71 days 1,850 sqft
    2018-09-01 75 days 1,850 sqft
    2018-10-01 81 days 1,850 sqft
    2018-11-01 86 days 1,850 sqft
    2018-12-01 86 days 1,850 sqft
    2019-01-01 86 days 1,850 sqft
    2019-02-01 83 days 1,853 sqft
    2019-03-01 72 days 1,908 sqft
    2019-04-01 61 days 1,945 sqft
    2019-05-01 58 days 1,880 sqft
    2019-06-01 58 days 1,950 sqft
    2019-07-01 57 days 1,950 sqft
    2019-08-01 59 days 1,950 sqft
    2019-09-01 62 days 1,950 sqft
    2019-10-01 65 days 1,950 sqft
    2019-11-01 65 days 1,950 sqft
    2019-12-01 72 days 1,895 sqft
    2020-01-01 79 days 1,950 sqft
    2020-02-01 71 days 1,950 sqft
    2020-03-01 59 days 1,950 sqft
    2020-04-01 58 days 1,950 sqft
    2020-05-01 60 days 2,018 sqft
    2020-06-01 55 days 2,056 sqft
    2020-07-01 51 days 2,100 sqft
    2020-08-01 48 days 2,100 sqft
    2020-09-01 47 days 2,052 sqft
    2020-10-01 45 days 1,950 sqft
    2020-11-01 51 days 1,950 sqft
    2020-12-01 49 days 1,975 sqft
    2021-01-01 49 days 1,950 sqft
    2021-02-01 44 days 1,969 sqft
    2021-03-01 35 days 1,850 sqft
    2021-04-01 32 days 1,848 sqft
    2021-05-01 32 days 1,901 sqft
    2021-06-01 32 days 1,850 sqft
    2021-07-01 35 days 1,850 sqft
    2021-08-01 32 days 1,850 sqft
    2021-09-01 38 days 1,828 sqft
    2021-10-01 39 days 1,816 sqft
    2021-11-01 43 days 1,837 sqft
    2021-12-01 47 days 1,850 sqft
    2022-01-01 50 days 1,850 sqft
    2022-02-01 35 days 1,850 sqft
    2022-03-01 35 days 1,800 sqft
    2022-04-01 32 days 1,850 sqft
    2022-05-01 31 days 1,950 sqft
    2022-06-01 29 days 1,962 sqft
    2022-07-01 35 days 2,100 sqft
    2022-08-01 37 days 2,100 sqft
    2022-09-01 43 days 2,100 sqft
    2022-10-01 49 days 2,224 sqft
    2022-11-01 47 days 2,226 sqft
    2022-12-01 53 days 2,300 sqft
    2023-01-01 64 days 2,300 sqft
    2023-02-01 58 days 2,278 sqft
    2023-03-01 43 days 2,192 sqft
    2023-04-01 43 days 2,111 sqft
    2023-05-01 42 days 2,088 sqft
    2023-06-01 41 days 2,114 sqft
    2023-07-01 40 days 2,047 sqft
    2023-08-01 37 days 2,008 sqft
    2023-09-01 39 days 1,998 sqft
    2023-10-01 42 days 2,026 sqft
    2023-11-01 49 days 2,000 sqft
    2023-12-01 51 days 1,981 sqft
    2024-01-01 53 days 1,971 sqft
    2024-02-01 48 days 1,930 sqft
    2024-03-01 47 days 1,955 sqft
    2024-04-01 41 days 1,953 sqft
    2024-05-01 38 days 2,000 sqft
    2024-06-01 43 days 1,976 sqft
    2024-07-01 44 days 1,965 sqft
    2024-08-01 51 days 1,978 sqft
    2024-09-01 54 days 1,966 sqft
    2024-10-01 54 days 1,973 sqft
    2024-11-01 58 days 1,968 sqft
    2024-12-01 62 days 1,978 sqft
    2025-01-01 65 days 1,982 sqft
    2025-02-01 66 days 1,981 sqft
    2025-03-01 0 days 1,981 sqft
    Fayetteville'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.

    Fayetteville's median square footage for active listings during the 2025-03-01 period was 1,981 sqft. One year prior, the average listing was 1,955 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).