Macon FHA Loan Rates, Closing Costs & Stats

MACON-BIBB COUNTY, GA

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  • 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.

    Macon's 116 lenders originated 897 FHA loans during 2024. The total origination value was $195,465,000, with an average FHA loan value of $217,910.

    Macon FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Macon 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.

    Macon's average FHA mortgage closing costs are $7,618.

    The average rate for the prior week (2025-03-28) was 6.61% and one month ago for the week of 2025-02-28, the average rate was 6.59%.

    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 6.04%.

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

    Macon 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 Macon level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 112 6.52% $9,201
    UNITED WHOLESALE MORTGAGE, LLC 62 6.26% $11,820
    INSPIRE HOME LOANS INC. 57 5.54% $8,214
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 50 6.39% $9,516
    GUILD MORTGAGE COMPANY 44 6.68% $10,404
    BROKER SOLUTIONS, INC. 43 6.64% $10,747
    FBC MORTGAGE, LLC 33 5.33% $9,371
    CROSSCOUNTRY MORTGAGE, LLC 29 6.64% $10,063
    CANOPY MORTGAGE, LLC 24 6.39% $14,338
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 17 6.85% $9,335
    EMM LOANS LLC 16 6.79% $8,902
    Flagstar Bank, FSB 15 6.53% $8,360
    PENNYMAC LOAN SERVICES, LLC 14 6.18% $9,113
    Colony Bank 12 6.52% $10,803
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 12 6.95% $9,767
    BancorpSouth 12 6.20% $8,843
    LOANDEPOT.COM, LLC 11 6.20% $12,154
    FIRST COLONY MORTGAGE CORPORATION 10 6.36% $9,404
    FREEDOM MORTGAGE CORPORATION 10 6.49% $9,103
    ALAMEDA MORTGAGE CORPORATION 9 6.79% $10,934
    MUTUAL OF OMAHA MORTGAGE, INC. 8 7.03% $10,432
    Equity Prime Mortgage LLC 8 7.34% $9,075
    Mortgage Research Center, LLC 7 6.88% $6,901
    CARDINAL FINANCIAL 6 6.46% $12,297
    Carrington Mortgage Services, LLC 6 6.48% $12,854
    Ameris Bank 6 6.08% $12,802
    GMFS LLC 6 6.15% $4,779
    AMERISAVE MORTGAGE CORPORATION 6 6.44% $13,072
    PLAZA HOME MORTGAGE, INC. 6 6.73% $9,269
    Mr. Cooper ( Nationstar Mortgage ) 5 7.13% $9,411
    MORTGAGE INVESTORS GROUP, INC. 5 6.38% $7,627
    AMERICAN PACIFIC MORTGAGE CORPORATION 5 6.67% $10,609
    Century Mortgage Company DBA Century Lending Company 5 6.70% $10,849
    Prosperity Home Mortgage, LLC 5 6.07% $12,826
    PRIMELENDING, A PLAINSCAPITAL COMPANY 5 5.82% $10,307
    NEWREZ LLC 5 6.45% $8,478
    HOMESIDE FINANCIAL, LLC 5 6.28% $12,404
    AMERICAN FINANCIAL RESOURCES, INC. 5 7.35% $9,183
    Renasant Bank 4 6.09% $9,400
    Synovus Bank 4 6.13% $9,431
    LAKEVIEW LOAN SERVICING, LLC 4 6.44% $8,143
    AMERICAN FINANCIAL NETWORK, INC. 4 7.09% $7,983
    VAN DYK MORTGAGE CORPORATION 4 6.47% $8,179
    VILLAGE CAPITAL MORTGAGE 4 6.97% $4,824
    Plains Commerce Bank 4 6.66% $7,922
    PLANET HOME LENDING, LLC 3 6.83% $16,351
    GUARANTEED RATE, INC. 3 6.03% $12,303
    Paramount Residential Mortgage Group, Inc. 3 5.83% $12,806
    ROYAL UNITED MORTGAGE LLC 3 7.00% $7,412
    Alcova Mortgage LLC 3 6.50% $9,811
    HOMEOWNERS FINANCIAL GROUP USA, LLC 3 7.25% $12,454
    GENEVA FINANCIAL, LLC 3 6.29% $9,908
    U.S. Bank 3 6.75% $8,087
    ZILLOW HOME LOANS, LLC 2 6.38% $8,478
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 2 5.88% $18,620
    Capital City Home Loans, LLC 2 6.63% $9,399
    GUARANTEED RATE AFFINITY, LLC 2 6.25% $11,349
    ISERVE RESIDENTIAL LENDING, LLC 2 7.44% $13,830
    JPMorgan Chase Bank 2 5.75% $12,500
    Lakeview Community Capital, LLC 2 6.75% $8,956
    MOVEMENT MORTGAGE, LLC 2 6.94% $9,961
    NBKC BANK 2 6.31% $9,500
    NFM, INC. 2 5.88% $11,997
    SECURITYNATIONAL MORTGAGE COMPANY 2 5.94% $21,539
    SUMMIT FUNDING, INC. 2 6.81% $7,312
    TOWNE MORTGAGE COMPANY 2 6.50% $7,115
    Truist 2 5.86% $9,572
    UNION HOME MORTGAGE CORP. 2 6.63% $14,520
    GARDNER FINANCIAL SERVICES, LTD. 1 6.00% $12,495
    AMERITRUST MORTGAGE CORPORATION 1 7.00% $10,637
    North American Savings Bank, F.S.B. 1 6.75% $4,816
    OCMBC, INC. 1 5.63% $6,527
    OPEN MORTGAGE, LLC 1 7.50% $12,046
    PANORAMA MORTGAGE GROUP, LLC 1 6.63% $7,955
    First Option Mortgage, LLC 1 7.00% $10,299
    Evolve Bank & Trust 1 6.63% $10,090
    PENTAGON FEDERAL CREDIT UNION 1 6.13% $11,678
    ENDEAVOR CAPITAL, LLC. 1 6.63% $9,490
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 6.00% $7,785
    CMG MORTGAGE, INC. 1 6.00% $10,912
    POLARIS HOME FUNDING CORP. 1 7.25% $14,142
    PREMIA MORTGAGE, LLC 1 6.08% $8,826
    PREMIER MORTGAGE RESOURCES, L.L.C. 1 6.75% $5,828
    Presidential Bank, FSB 1 6.63% $13,894
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 7.75% $5,567
    CityWorth Mortgage LLC 1 6.25% $13,538
    CITY FIRST MORTGAGE SERVICES, L.L.C. 1 6.63% $10,840
    CALCON MUTUAL MORTGAGE LLC 1 7.13% $5,349
    Regions Bank 1 5.00% $12,103
    RELIANCE FIRST CAPITAL, LLC 1 7.13% $8,794
    BAY EQUITY LLC 1 6.25% $12,769
    RESIDENTIAL BANCORP 1 5.63% $8,499
    ROSS MORTGAGE CORPORATION 1 7.13% $7,378
    Barrington Bank & Trust Company, N.A. 1 6.75% $6,176
    RUOFF MORTGAGE COMPANY, INC. 1 6.50% $5,392
    SeaTrust Mortgage Company 1 6.63% $7,787
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.25% $8,363
    BANKSOUTH MORTGAGE COMPANY, LLC 1 5.75% $10,134
    SOUTHPOINT FINANCIAL SERVICES, INC. 1 7.25% $2,533
    SOUTHWEST STAGE FUNDING, LLC 1 7.38% $8,751
    AmeriHome Mortgage Company, LLC 1 6.13% $6,097
    SUN WEST MORTGAGE COMPANY, INC. 1 5.25% $13,997
    Bank of America 1 7.50% $5,624
    The Federal Savings Bank 1 5.75% $11,557
    The Loan Store, Inc. 1 6.25% $6,992
    VERITAS FUNDING, LLC 1 7.63% $13,317
    AMERICAN FINANCING CORPORATION 1 6.75% $6,150
    ACOPIA, LLC 1 6.25% $7,923
    MID AMERICA MORTGAGE, INC. 1 6.75% $12,010
    MEMBER FIRST MORTGAGE, LLC 1 6.13% $6,800
    LIBERTY HOME MORTGAGE CORPORATION 1 7.13% $11,229
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 6.75% $8,608
    United Bank 1 6.13% $9,793
    INTERCOASTAL MORTGAGE COMPANY 1 6.25% $10,160
    INTELLILOAN, INC. 1 6.25% $5,070
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 6.38% $5,396

    The top Macon FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 112 FHA loans originated. Their average total fees are $9,201, which is $2,620 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Macon FHA lenders (with over 10 loans originated) are INSPIRE HOME LOANS INC. ($8,214), Flagstar Bank, FSB ($8,360), BancorpSouth ($8,843), EMM LOANS LLC ($8,902) and FREEDOM MORTGAGE CORPORATION ($9,103).

    The lowest rate Macon FHA lenders (with over 10 loans originated) are FBC MORTGAGE, LLC (5.33%), INSPIRE HOME LOANS INC. (5.54%), PENNYMAC LOAN SERVICES, LLC (6.18%), BancorpSouth (6.20%) and LOANDEPOT.COM, LLC (6.20%).

    Macon FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    MACON-BIBB COUNTY, GA BIBB 2022 $420,680 $538,650 $651,050 $809,150
    MACON-BIBB COUNTY, GA CRAWFORD 2022 $420,680 $538,650 $651,050 $809,150
    MACON-BIBB COUNTY, GA JONES 2022 $420,680 $538,650 $651,050 $809,150
    MACON-BIBB COUNTY, GA MONROE 2022 $420,680 $538,650 $651,050 $809,150
    MACON-BIBB COUNTY, GA TWIGGS 2022 $420,680 $538,650 $651,050 $809,150
    MACON-BIBB COUNTY, GA BIBB 2023 $472,030 $604,400 $730,525 $907,900
    MACON-BIBB COUNTY, GA CRAWFORD 2023 $472,030 $604,400 $730,525 $907,900
    MACON-BIBB COUNTY, GA JONES 2023 $472,030 $604,400 $730,525 $907,900
    MACON-BIBB COUNTY, GA MONROE 2023 $472,030 $604,400 $730,525 $907,900
    MACON-BIBB COUNTY, GA TWIGGS 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Macon (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 $140,995 (1.1%) $187,948 (-1.0%) 0.52 750
    2018-02-01 $139,925 (0.0%) $187,262 (-1.5%) 0.51 763
    2018-03-01 $144,990 (-1.0%) $194,567 (-2.5%) 0.51 785
    2018-04-01 $149,700 (0.5%) $202,669 (1.9%) 0.51 815
    2018-05-01 $150,445 (0.4%) $210,527 (7.0%) 0.50 833
    2018-06-01 $157,500 (4.8%) $215,471 (7.8%) 0.53 843
    2018-07-01 $159,800 (6.6%) $213,850 (7.1%) 0.53 864
    2018-08-01 $162,400 (4.8%) $216,757 (5.5%) 0.54 878
    2018-09-01 $164,250 (9.6%) $219,623 (8.6%) 0.55 884
    2018-10-01 $165,000 (17.9%) $219,237 (14.5%) 0.56 885
    2018-11-01 $164,475 (13.6%) $221,820 (13.1%) 0.56 884
    2018-12-01 $159,500 (12.3%) $216,935 (15.3%) 0.55 851
    2019-01-01 $152,623 (8.3%) $217,964 (16.0%) 0.53 792
    2019-02-01 $153,973 (10.0%) $219,011 (17.0%) 0.52 803
    2019-03-01 $125,671 (-13.3%) $192,902 (-0.9%) 0.41 1,145
    2019-04-01 $88,650 (-40.8%) $162,585 (-19.8%) 0.28 1,606
    2019-05-01 $90,000 (-40.2%) $166,481 (-20.9%) 0.28 1,617
    2019-06-01 $172,000 (9.2%) $242,722 (12.7%) 0.54 936
    2019-07-01 $159,993 (0.1%) $235,311 (10.0%) 0.50 954
    2019-08-01 $158,605 (-2.3%) $237,021 (9.4%) 0.50 945
    2019-09-01 $156,521 (-4.7%) $236,686 (7.8%) 0.50 929
    2019-10-01 $157,632 (-4.5%) $239,885 (9.4%) 0.51 911
    2019-11-01 $159,990 (-2.7%) $246,001 (10.9%) 0.52 848
    2019-12-01 $159,900 (0.3%) $242,414 (11.7%) 0.53 825
    2020-01-01 $159,000 (4.2%) $238,514 (9.4%) 0.53 785
    2020-02-01 $152,990 (-0.6%) $237,422 (8.4%) 0.50 800
    2020-03-01 $150,990 (20.2%) $236,566 (22.6%) 0.47 780
    2020-04-01 $150,620 (69.9%) $240,871 (48.2%) 0.47 776
    2020-05-01 $158,500 (76.1%) $255,531 (53.5%) 0.48 706
    2020-06-01 $163,745 (-4.8%) $266,163 (9.7%) 0.48 594
    2020-07-01 $172,423 (7.8%) $271,355 (15.3%) 0.50 583
    2020-08-01 $179,900 (13.4%) $281,427 (18.7%) 0.52 502
    2020-09-01 $170,450 (8.9%) $278,673 (17.7%) 0.49 470
    2020-10-01 $168,990 (7.2%) $493,202 (105.6%) 0.48 464
    2020-11-01 $174,945 (9.4%) $289,133 (17.5%) 0.51 436
    2020-12-01 $182,495 (14.1%) $298,290 (23.1%) 0.54 423
    2021-01-01 $175,990 (10.7%) $295,210 (23.8%) 0.53 397
    2021-02-01 $179,300 (17.2%) $289,626 (22.0%) 0.52 348
    2021-03-01 $197,400 (30.7%) $290,589 (22.8%) 0.56 353
    2021-04-01 $197,175 (30.9%) $293,520 (21.9%) 0.53 368
    2021-05-01 $189,900 (19.8%) $263,200 (3.0%) 0.50 370
    2021-06-01 $183,445 (12.0%) $260,639 (-2.1%) 0.48 416
    2021-07-01 $190,000 (10.2%) $260,524 (-4.0%) 0.50 453
    2021-08-01 $196,373 (9.2%) $258,634 (-8.1%) 0.52 499
    2021-09-01 $208,745 (22.5%) $327,487 (17.5%) 0.56 542
    2021-10-01 $215,000 (27.2%) $427,097 (-13.4%) 0.57 493
    2021-11-01 $213,490 (22.0%) $452,708 (56.6%) 0.57 467
    2021-12-01 $207,748 (13.8%) $472,086 (58.3%) 0.56 402
    2022-01-01 $199,000 (13.1%) $468,284 (58.6%) 0.54 402
    2022-02-01 $167,550 (-6.6%) $445,081 (53.7%) 0.44 394
    2022-03-01 $169,950 (-13.9%) $337,399 (16.1%) 0.43 394
    2022-04-01 $187,700 (-4.8%) $462,495 (57.6%) 0.45 390
    2022-05-01 $215,000 (13.2%) $571,935 (117.3%) 0.49 426
    2022-06-01 $232,748 (26.9%) $454,521 (74.4%) 0.52 482
    2022-07-01 $239,995 (26.3%) $461,262 (77.1%) 0.54 517
    2022-08-01 $229,950 (17.1%) $427,736 (65.4%) 0.53 528
    2022-09-01 $235,000 (12.6%) $397,111 (21.3%) 0.55 539
    2022-10-01 $225,995 (5.1%) $390,903 (-8.5%) 0.53 564
    2022-11-01 $225,000 (5.4%) $413,142 (-8.7%) 0.54 580
    2022-12-01 $239,450 (15.3%) $417,961 (-11.5%) 0.59 562
    2023-01-01 $236,975 (19.1%) $405,444 (-13.4%) 0.59 549
    2023-02-01 $209,095 (24.8%) $312,372 (-29.8%) 0.50 531
    2023-03-01 $227,225 (33.7%) $293,472 (-13.0%) 0.54 529
    2023-04-01 $232,500 (23.9%) $287,293 (-37.9%) 0.54 544
    2023-05-01 $244,900 (13.9%) $292,299 (-48.9%) 0.56 549
    2023-06-01 $259,375 (11.4%) $303,360 (-33.3%) 0.58 561
    2023-07-01 $259,000 (7.9%) $305,180 (-33.8%) 0.59 593
    2023-08-01 $252,075 (9.6%) $300,307 (-29.8%) 0.58 645
    2023-09-01 $249,900 (6.3%) $292,306 (-26.4%) 0.58 689
    2023-10-01 $240,029 (6.2%) $291,801 (-25.4%) 0.56 727
    2023-11-01 $234,533 (4.2%) $288,295 (-30.2%) 0.56 722
    2023-12-01 $225,000 (-6.0%) $282,654 (-32.4%) 0.55 694
    2024-01-01 $229,950 (-3.0%) $280,682 (-30.8%) 0.56 683
    2024-02-01 $233,153 (11.5%) $288,226 (-7.7%) 0.56 688
    2024-03-01 $217,500 (-4.3%) $278,287 (-5.2%) 0.51 719
    2024-04-01 $223,325 (-4.0%) $279,736 (-2.6%) 0.52 747
    2024-05-01 $217,450 (-11.2%) $284,325 (-2.7%) 0.49 731
    2024-06-01 $219,500 (-15.4%) $291,431 (-3.9%) 0.50 766
    2024-07-01 $219,850 (-15.1%) $289,157 (-5.3%) 0.50 823
    2024-08-01 $220,000 (-12.7%) $285,547 (-4.9%) 0.51 838
    2024-09-01 $222,500 (-11.0%) $283,279 (-3.1%) 0.52 845
    2024-10-01 $234,450 (-2.3%) $284,491 (-2.5%) 0.55 857
    2024-11-01 $224,900 (-4.1%) $279,305 (-3.1%) 0.54 866
    2024-12-01 $229,950 (2.2%) $285,433 (1.0%) 0.57 834
    2025-01-01 $231,850 (0.8%) $284,372 (1.3%) 0.58 783
    2025-02-01 $219,463 (-5.9%) $269,215 (-6.6%) 0.53 842
    2025-03-01 $225,000 (3.5%) $277,202 (-0.4%) 0.00 884
    Macon's median listing price for 2025-03-01 was $225,000, a difference of $7,500 (3.5%) versus the prior year and $5,537 versus the prior month.

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

    Macon's average listing price for 2025-03-01 was $277,202, a difference of $-1,085 (-0.4%) versus the prior year and $7,987 versus the prior month.

    For the 2025-03-01 period, Macon had 884 MLS listings, a difference of 42 listings (5%) versus the prior month and 165 listings (23%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Macon (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 79 days 1,916 sqft
    2018-02-01 82 days 1,920 sqft
    2018-03-01 66 days 1,986 sqft
    2018-04-01 70 days 2,022 sqft
    2018-05-01 67 days 2,026 sqft
    2018-06-01 73 days 2,043 sqft
    2018-07-01 74 days 2,022 sqft
    2018-08-01 71 days 2,056 sqft
    2018-09-01 79 days 2,042 sqft
    2018-10-01 83 days 2,074 sqft
    2018-11-01 88 days 2,050 sqft
    2018-12-01 93 days 2,007 sqft
    2019-01-01 102 days 1,980 sqft
    2019-02-01 97 days 1,950 sqft
    2019-03-01 83 days 1,975 sqft
    2019-04-01 76 days 2,016 sqft
    2019-05-01 77 days 2,046 sqft
    2019-06-01 74 days 2,018 sqft
    2019-07-01 73 days 2,008 sqft
    2019-08-01 77 days 2,004 sqft
    2019-09-01 80 days 1,997 sqft
    2019-10-01 85 days 1,992 sqft
    2019-11-01 92 days 2,008 sqft
    2019-12-01 93 days 2,000 sqft
    2020-01-01 100 days 1,967 sqft
    2020-02-01 84 days 1,897 sqft
    2020-03-01 67 days 1,889 sqft
    2020-04-01 76 days 1,874 sqft
    2020-05-01 75 days 1,887 sqft
    2020-06-01 81 days 1,966 sqft
    2020-07-01 65 days 2,075 sqft
    2020-08-01 68 days 2,079 sqft
    2020-09-01 63 days 1,954 sqft
    2020-10-01 60 days 1,897 sqft
    2020-11-01 53 days 1,902 sqft
    2020-12-01 54 days 1,930 sqft
    2021-01-01 54 days 1,949 sqft
    2021-02-01 50 days 1,952 sqft
    2021-03-01 43 days 1,961 sqft
    2021-04-01 39 days 1,961 sqft
    2021-05-01 44 days 1,919 sqft
    2021-06-01 38 days 1,854 sqft
    2021-07-01 47 days 1,858 sqft
    2021-08-01 47 days 1,904 sqft
    2021-09-01 46 days 1,962 sqft
    2021-10-01 50 days 1,964 sqft
    2021-11-01 56 days 1,983 sqft
    2021-12-01 59 days 1,930 sqft
    2022-01-01 54 days 1,800 sqft
    2022-02-01 36 days 1,662 sqft
    2022-03-01 34 days 1,670 sqft
    2022-04-01 37 days 1,786 sqft
    2022-05-01 39 days 1,851 sqft
    2022-06-01 33 days 1,884 sqft
    2022-07-01 43 days 1,886 sqft
    2022-08-01 47 days 1,875 sqft
    2022-09-01 45 days 1,929 sqft
    2022-10-01 43 days 1,915 sqft
    2022-11-01 49 days 1,924 sqft
    2022-12-01 61 days 1,906 sqft
    2023-01-01 61 days 1,926 sqft
    2023-02-01 52 days 1,870 sqft
    2023-03-01 49 days 1,881 sqft
    2023-04-01 44 days 1,900 sqft
    2023-05-01 46 days 1,971 sqft
    2023-06-01 48 days 2,100 sqft
    2023-07-01 48 days 2,100 sqft
    2023-08-01 50 days 2,084 sqft
    2023-09-01 54 days 1,980 sqft
    2023-10-01 56 days 1,954 sqft
    2023-11-01 61 days 1,911 sqft
    2023-12-01 72 days 1,870 sqft
    2024-01-01 72 days 1,866 sqft
    2024-02-01 58 days 1,860 sqft
    2024-03-01 59 days 1,782 sqft
    2024-04-01 56 days 1,802 sqft
    2024-05-01 53 days 1,779 sqft
    2024-06-01 50 days 1,795 sqft
    2024-07-01 54 days 1,799 sqft
    2024-08-01 58 days 1,812 sqft
    2024-09-01 59 days 1,824 sqft
    2024-10-01 60 days 1,859 sqft
    2024-11-01 72 days 1,814 sqft
    2024-12-01 80 days 1,805 sqft
    2025-01-01 79 days 1,866 sqft
    2025-02-01 69 days 1,787 sqft
    2025-03-01 0 days 1,817 sqft
    Macon'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.

    Macon's median square footage for active listings during the 2025-03-01 period was 1,817 sqft. One year prior, the average listing was 1,782 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).