Winston FHA Loan Rates, Closing Costs & Stats

WINSTON-SALEM, NC

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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.

    Winston's 161 lenders originated 2,251 FHA loans during 2024. The total origination value was $575,785,000, with an average FHA loan value of $255,791.

    Winston FHA Loans, 30 Year Fixed Rates

    30 Year FHA mortgages in Winston averaged 0.11% for the week of 2025-07-04, compared to the national average (all FHA variants) of 0% for the same period.

    Winston's average FHA mortgage closing costs are $7,685.

    The average rate for the prior week (2025-06-27) was 6.7% and one month ago for the week of 2025-05-30, the average rate was 6.57%.

    The average rate one year ago was 6.59%.

    For refis of the same type during the week of 2025-07-04, the average rate was -0.2%.

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

    Winston 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 Winston level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 227 6.36% $10,783
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 182 6.55% $11,693
    DHI MORTGAGE COMPANY, LTD. 127 5.05% $7,739
    MOVEMENT MORTGAGE, LLC 122 6.54% $11,018
    UNITED WHOLESALE MORTGAGE, LLC 85 6.03% $12,671
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 85 6.70% $10,253
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 72 6.34% $10,586
    CROSSCOUNTRY MORTGAGE, LLC 56 6.50% $11,682
    FREEDOM MORTGAGE CORPORATION 56 6.45% $11,464
    INSPIRE HOME LOANS INC. 50 5.73% $9,052
    CMG MORTGAGE, INC. 46 6.69% $10,545
    BROKER SOLUTIONS, INC. 40 6.72% $11,092
    LOANDEPOT.COM, LLC 40 6.21% $9,486
    VANDERBILT MORTGAGE AND FINANCE, INC. 35 5.96% $13,803
    PENNYMAC LOAN SERVICES, LLC 27 6.02% $10,076
    UNION HOME MORTGAGE CORP. 25 6.46% $9,323
    CARDINAL FINANCIAL 24 6.68% $12,026
    Ameris Bank 23 6.46% $9,586
    Carrington Mortgage Services, LLC 22 6.43% $9,415
    Prosperity Home Mortgage, LLC 20 6.18% $11,670
    ENVOY MORTGAGE, LTD 20 6.74% $12,133
    Truist 18 6.63% $8,809
    Mr. Cooper ( Nationstar Mortgage ) 17 6.69% $12,324
    GUARANTEED RATE, INC. 17 6.49% $10,290
    MICHIGAN MUTUAL, INC. 16 6.16% $8,939
    CANOPY MORTGAGE, LLC 16 6.44% $13,058
    Equity Prime Mortgage LLC 15 6.97% $12,416
    Blue Ridge Bank 14 6.84% $9,580
    Flagstar Bank, FSB 14 5.88% $9,546
    SUMMIT FUNDING, INC. 14 5.94% $10,665
    RELIANCE FIRST CAPITAL, LLC 13 6.71% $10,083
    PULTE MORTGAGE LLC 13 5.98% $7,589
    NEWREZ LLC 12 6.41% $9,820
    HOWARD HANNA FINANCIAL SERVICES, INC. 12 6.51% $9,637
    Ixonia Bank 12 6.46% $10,959
    U.S. Bank 11 6.44% $6,440
    EMM LOANS LLC 11 6.26% $13,721
    PLAZA HOME MORTGAGE, INC. 10 6.56% $11,271
    MUTUAL OF OMAHA MORTGAGE, INC. 10 6.48% $15,173
    AMERICAN FINANCIAL RESOURCES, INC. 10 6.29% $12,265
    Pinnacle Bank 9 6.36% $11,003
    AMERISAVE MORTGAGE CORPORATION 9 6.25% $11,945
    EAGLE HOME MORTGAGE, LLC 9 4.85% $7,473
    Mortgage Research Center, LLC 8 6.88% $6,154
    HOMESIDE FINANCIAL, LLC 8 6.23% $13,847
    AmRes Corporation 7 6.63% $13,102
    LAKEVIEW LOAN SERVICING, LLC 7 6.29% $8,842
    MILEND, INC. 7 6.61% $11,771
    NFM, INC. 7 7.30% $9,639
    AMERICAN FINANCING CORPORATION 7 5.95% $12,763
    Wolfe Financial, Inc 7 6.98% $11,395
    First-Citizens Bank & Trust Company 7 5.45% $10,461
    Atlantic Coast Mortgage, LLC 7 6.57% $13,044
    GUILD MORTGAGE COMPANY 7 6.88% $9,809
    Integrity Home Mortgage Corp 7 6.70% $11,867
    MORTGAGE SOLUTIONS OF COLORADO, LLC 6 6.77% $13,899
    HOMEBRIDGE FINANCIAL SERVICES, INC. 6 6.50% $6,527
    ZILLOW HOME LOANS, LLC 6 6.63% $10,257
    T2 FINANCIAL LLC 6 6.92% $11,800
    SeaTrust Mortgage Company 6 6.56% $8,829
    First National Bank of Pennsylvania 6 6.23% $8,905
    Wells Fargo Bank 5 6.30% $11,996
    BAY EQUITY LLC 5 6.50% $9,698
    SUN WEST MORTGAGE COMPANY, INC. 5 6.33% $15,544
    AMERICAN FINANCIAL NETWORK, INC. 5 7.05% $13,324
    The Fidelity Bank 5 6.85% $10,253
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.80% $11,011
    INTERCOASTAL MORTGAGE COMPANY 5 6.10% $9,368
    Bank of America 4 6.25% $8,075
    VILLAGE CAPITAL MORTGAGE 4 6.47% $4,177
    Truliant Federal Credit Union 4 6.19% $7,377
    TruHome Solutions, LLC 4 6.59% $9,952
    Towne Bank 4 5.66% $11,549
    TOP FLITE FINANCIAL, INC. 4 7.31% $13,626
    MORTGAGE FINANCIAL GROUP, INC. 4 6.28% $10,016
    CORNERSTONE HOME LENDING, INC. 4 6.72% $8,042
    HALLMARK HOME MORTGAGE, LLC 4 6.41% $12,144
    American Security Mortgage Corp. 4 6.28% $11,682
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 4 6.12% $13,419
    LOANPAL, LLC 4 5.81% $10,758
    LEADERONE FINANCIAL CORPORATION 3 6.08% $15,317
    PLANET HOME LENDING, LLC 3 6.13% $6,482
    PRIMARY RESIDENTIAL MORTGAGE, INC. 3 6.50% $11,585
    AmeriHome Mortgage Company, LLC 3 6.54% $7,372
    THE MORTGAGE FIRM, INC. 3 6.83% $11,378
    TOWNE MORTGAGE COMPANY 3 6.33% $13,018
    EQUITY RESOURCES, INC. 3 6.75% $9,855
    VERITAS FUNDING, LLC 3 6.63% $13,855
    EVERETT FINANCIAL, INC. 3 7.21% $9,437
    First Federal Bank 3 6.13% $7,124
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 3 6.67% $8,819
    MID AMERICA MORTGAGE, INC. 3 7.71% $9,755
    MORTGAGE INVESTORS GROUP, INC. 3 6.16% $7,501
    CALCON MUTUAL MORTGAGE LLC 3 7.46% $10,101
    Paramount Residential Mortgage Group, Inc. 3 6.50% $9,979
    Keystone Funding, Inc. 2 6.81% $12,365
    Bank of England 2 6.63% $18,947
    HOMESPIRE MORTGAGE CORPORATION 2 6.88% $8,643
    M&T Bank 2 7.13% $7,057
    GoPrime Mortgage, Inc. 2 6.44% $9,309
    First Horizon Bank 2 6.81% $10,743
    Plains Commerce Bank 2 6.25% $17,524
    FIRST COLONY MORTGAGE CORPORATION 2 6.44% $12,729
    First Bank 2 6.13% $7,927
    V.I.P. MORTGAGE, INC. 2 7.12% $6,896
    The Federal Savings Bank 2 6.69% $11,248
    STOCKTON MORTGAGE CORPORATION 2 6.44% $8,981
    ROYAL UNITED MORTGAGE LLC 2 7.19% $9,077
    Century Mortgage Company DBA Century Lending Company 2 6.69% $14,937
    Alcova Mortgage LLC 2 6.56% $9,718
    BETTER MORTGAGE CORPORATION 2 5.12% $13,887
    Renasant Bank 2 6.25% $8,507
    Barrington Bank & Trust Company, N.A. 2 6.50% $8,454
    MYCUMORTGAGE, LLC 1 6.63% $8,468
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 6.75% $8,777
    ALLIANT CREDIT UNION 1 6.13% $6,254
    ALLIED MORTGAGE GROUP, INC. 1 6.63% $9,117
    American Mortgage & Equity Consultants, Inc. 1 6.13% $15,128
    Assurance Financial Group, L.L.C. 1 7.13% $6,552
    BAY-VALLEY MORTGAGE GROUP 1 5.75% $17,375
    CASTLE & COOKE MORTGAGE, LLC 1 7.25% $16,441
    Chickasaw Community Bank 1 6.00% $9,073
    CityWorth Mortgage LLC 1 6.63% $11,215
    DELMAR FINANCIAL COMPANY 1 6.63% $9,651
    DIRECT MORTGAGE LOANS, LLC 1 6.63% $9,570
    Encompass Lending Group, LP 1 7.25% $13,234
    EVANSVILLE TEACHERS 1 5.75% $20,095
    FBC MORTGAGE, LLC 1 6.75% $8,663
    FIRST ALLIANCE HOME MORTGAGE, LLC 1 6.25% $13,351
    Franklin Loan Corporation 1 5.75% $19,903
    Gateway First Bank 1 6.75% $8,955
    GUARANTEED RATE AFFINITY, LLC 1 6.63% $13,521
    GVC MORTGAGE, INC. 1 6.63% $12,381
    JPMorgan Chase Bank 1 6.63% $6,986
    LADERA LENDING, INC. 1 6.63% $9,061
    Lakeview Community Capital, LLC 1 5.75% $14,169
    LAND HOME FINANCIAL SERVICES, INC. 1 7.00% $16,363
    LOANLEADERS OF AMERICA, INC. 1 7.13% $8,427
    Loan Simple, Inc. 1 7.25% $8,840
    ABSOLUTE HOME MORTGAGE CORPORATION 1 6.00% $10,203
    NATION ONE MORTGAGE CORPORATION 1 6.75% $12,856
    Nations Lending Corporation 1 6.75% $13,912
    NBKC BANK 1 6.13% $7,161
    NETWORK CAPITAL FUNDING CORPORATION 1 5.63% $14,397
    NEW DAY FINANCIAL, LLC 1 7.38% $4,478
    Northpointe Bank 1 5.50% $13,781
    OCMBC, INC. 1 7.25% $12,359
    ON Q FINANCIAL, INC. 1 6.25% $13,985
    PNC Bank 1 6.50% $10,170
    RADIUS FINANCIAL GROUP INC. 1 6.63% $3,988
    Regions Bank 1 5.63% $7,378
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 6.25% $9,969
    Sierra Pacific Mortgage Company, Inc. 1 6.25% $9,482
    Simmons Bank 1 5.63% $11,451
    SIRVA MORTGAGE, INC. 1 6.00% $5,235
    Strong Home Mortgage, LLC 1 6.25% $11,288
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.13% $18,080
    Summit Mortgage Corporation 1 7.75% $13,657
    United Community Bank 1 6.50% $6,818
    UNITED MORTGAGE CORP 1 5.88% $20,630
    Uwharrie Bank 1 6.63% $8,897

    The top Winston FHA lender as defined by loan originations is QUICKEN LOANS, LLC, with 227 FHA loans originated. Their average total fees are $10,783, which is $911 lower than the next largest lender, ATLANTIC BAY MORTGAGE GROUP, L.L.C..

    The lowest fee Winston FHA lenders (with over 10 loans originated) are U.S. Bank ($6,440), PULTE MORTGAGE LLC ($7,589), DHI MORTGAGE COMPANY, LTD. ($7,739), Truist ($8,809) and MICHIGAN MUTUAL, INC. ($8,939).

    The lowest rate Winston FHA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.05%), INSPIRE HOME LOANS INC. (5.73%), Flagstar Bank, FSB (5.88%), SUMMIT FUNDING, INC. (5.94%) and VANDERBILT MORTGAGE AND FINANCE, INC. (5.96%).

    Winston FHA Loan Limits

    Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
    WINSTON-SALEM, NC DAVIDSON 2022 $420,680 $538,650 $651,050 $809,150
    WINSTON-SALEM, NC DAVIE 2022 $420,680 $538,650 $651,050 $809,150
    WINSTON-SALEM, NC FORSYTH 2022 $420,680 $538,650 $651,050 $809,150
    WINSTON-SALEM, NC STOKES 2022 $420,680 $538,650 $651,050 $809,150
    WINSTON-SALEM, NC YADKIN 2022 $420,680 $538,650 $651,050 $809,150
    WINSTON-SALEM, NC DAVIDSON 2023 $472,030 $604,400 $730,525 $907,900
    WINSTON-SALEM, NC DAVIE 2023 $472,030 $604,400 $730,525 $907,900
    WINSTON-SALEM, NC FORSYTH 2023 $472,030 $604,400 $730,525 $907,900
    WINSTON-SALEM, NC STOKES 2023 $472,030 $604,400 $730,525 $907,900
    WINSTON-SALEM, NC YADKIN 2023 $472,030 $604,400 $730,525 $907,900

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Winston (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 $204,150 (10.4%) $301,976 (14.5%) 0.76 2,077
    2018-02-01 $218,675 (17.1%) $312,575 (16.4%) 0.79 2,037
    2018-03-01 $228,118 (18.2%) $314,482 (13.3%) 0.80 2,107
    2018-04-01 $233,009 (17.2%) $318,006 (11.9%) 0.79 2,161
    2018-05-01 $239,371 (18.9%) $319,988 (11.1%) 0.80 2,233
    2018-06-01 $240,000 (18.9%) $319,048 (10.8%) 0.80 2,275
    2018-07-01 $243,950 (19.3%) $316,025 (7.5%) 0.81 2,351
    2018-08-01 $238,923 (19.5%) $305,813 (3.5%) 0.80 2,154
    2018-09-01 $239,000 (19.6%) $305,604 (4.3%) 0.80 2,179
    2018-10-01 $239,900 (17.9%) $304,662 (1.8%) 0.81 2,167
    2018-11-01 $232,400 (12.0%) $298,707 (-1.0%) 0.79 2,106
    2018-12-01 $229,900 (15.0%) $297,079 (-0.3%) 0.79 1,893
    2019-01-01 $234,675 (15.0%) $300,636 (-0.4%) 0.81 1,764
    2019-02-01 $242,388 (10.8%) $311,068 (-0.5%) 0.82 1,699
    2019-03-01 $255,471 (12.0%) $322,223 (2.5%) 0.84 1,755
    2019-04-01 $267,925 (15.0%) $333,713 (4.9%) 0.85 1,794
    2019-05-01 $273,575 (14.3%) $338,795 (5.9%) 0.86 1,857
    2019-06-01 $274,950 (14.6%) $343,709 (7.7%) 0.86 1,866
    2019-07-01 $275,000 (12.7%) $345,713 (9.4%) 0.86 1,842
    2019-08-01 $276,847 (15.9%) $345,395 (12.9%) 0.88 1,861
    2019-09-01 $274,368 (14.8%) $344,980 (12.9%) 0.88 1,896
    2019-10-01 $273,995 (14.2%) $347,574 (14.1%) 0.88 1,899
    2019-11-01 $274,900 (18.3%) $349,355 (17.0%) 0.90 1,784
    2019-12-01 $269,975 (17.4%) $346,568 (16.7%) 0.90 1,624
    2020-01-01 $269,950 (15.0%) $348,326 (15.9%) 0.90 1,526
    2020-02-01 $289,990 (19.6%) $368,791 (18.6%) 0.95 1,418
    2020-03-01 $288,700 (13.0%) $366,790 (13.8%) 0.91 1,440
    2020-04-01 $284,088 (6.0%) $365,844 (9.6%) 0.89 1,522
    2020-05-01 $299,900 (9.6%) $381,822 (12.7%) 0.91 1,369
    2020-06-01 $301,359 (9.6%) $391,121 (13.8%) 0.89 1,237
    2020-07-01 $309,725 (12.6%) $399,352 (15.5%) 0.90 1,117
    2020-08-01 $304,280 (9.9%) $387,272 (12.1%) 0.87 1,060
    2020-09-01 $299,600 (9.2%) $371,642 (7.7%) 0.86 1,085
    2020-10-01 $299,900 (9.5%) $376,131 (8.2%) 0.86 1,065
    2020-11-01 $279,900 (1.8%) $353,083 (1.1%) 0.82 981
    2020-12-01 $269,499 (-0.2%) $353,112 (1.9%) 0.80 891
    2021-01-01 $272,990 (1.1%) $351,659 (1.0%) 0.81 785
    2021-02-01 $280,285 (-3.4%) $362,995 (-1.6%) 0.82 682
    2021-03-01 $283,530 (-1.8%) $380,758 (3.8%) 0.80 653
    2021-04-01 $277,983 (-2.2%) $376,938 (3.0%) 0.75 643
    2021-05-01 $265,000 (-11.6%) $355,750 (-6.8%) 0.70 656
    2021-06-01 $267,450 (-11.3%) $354,636 (-9.3%) 0.70 727
    2021-07-01 $274,317 (-11.4%) $350,350 (-12.3%) 0.72 772
    2021-08-01 $267,400 (-12.1%) $341,592 (-11.8%) 0.71 819
    2021-09-01 $267,400 (-10.8%) $340,841 (-8.3%) 0.71 887
    2021-10-01 $269,900 (-10.0%) $346,196 (-8.0%) 0.72 891
    2021-11-01 $275,975 (-1.4%) $346,101 (-2.0%) 0.74 832
    2021-12-01 $269,900 (0.2%) $341,611 (-3.3%) 0.73 696
    2022-01-01 $290,609 (6.5%) $368,825 (4.9%) 0.79 571
    2022-02-01 $292,375 (4.3%) $373,307 (2.8%) 0.76 529
    2022-03-01 $287,450 (1.4%) $367,309 (-3.5%) 0.72 568
    2022-04-01 $299,900 (7.9%) $372,589 (-1.2%) 0.71 603
    2022-05-01 $304,498 (14.9%) $375,700 (5.6%) 0.70 763
    2022-06-01 $317,475 (18.7%) $382,704 (7.9%) 0.71 839
    2022-07-01 $320,995 (17.0%) $380,322 (8.6%) 0.72 940
    2022-08-01 $320,493 (19.9%) $368,682 (7.9%) 0.74 1,017
    2022-09-01 $315,000 (17.8%) $368,033 (8.0%) 0.74 1,012
    2022-10-01 $319,995 (18.6%) $374,137 (8.1%) 0.75 1,091
    2022-11-01 $319,950 (15.9%) $374,161 (8.1%) 0.77 1,088
    2022-12-01 $319,997 (18.6%) $378,179 (10.7%) 0.79 1,038
    2023-01-01 $325,000 (11.8%) $379,661 (2.9%) 0.81 972
    2023-02-01 $329,764 (12.8%) $383,441 (2.7%) 0.80 963
    2023-03-01 $332,882 (15.8%) $383,835 (4.5%) 0.79 907
    2023-04-01 $339,900 (13.3%) $401,600 (7.8%) 0.79 901
    2023-05-01 $345,983 (13.6%) $407,131 (8.4%) 0.78 874
    2023-06-01 $341,017 (7.4%) $420,368 (9.8%) 0.77 889
    2023-07-01 $340,000 (5.9%) $429,776 (13.0%) 0.77 895
    2023-08-01 $339,910 (6.1%) $427,871 (16.1%) 0.78 962
    2023-09-01 $331,508 (5.2%) $415,641 (12.9%) 0.77 1,044
    2023-10-01 $335,000 (4.7%) $413,538 (10.5%) 0.79 1,100
    2023-11-01 $334,975 (4.7%) $405,738 (8.4%) 0.80 1,181
    2023-12-01 $330,000 (3.1%) $397,833 (5.2%) 0.80 1,182
    2024-01-01 $335,000 (3.1%) $398,993 (5.1%) 0.82 1,085
    2024-02-01 $328,750 (-0.3%) $394,607 (2.9%) 0.79 1,070
    2024-03-01 $334,900 (0.6%) $408,099 (6.3%) 0.79 1,103
    2024-04-01 $337,450 (-0.7%) $416,685 (3.8%) 0.78 1,146
    2024-05-01 $354,511 (2.5%) $428,674 (5.3%) 0.81 1,168
    2024-06-01 $357,392 (4.8%) $419,349 (-0.2%) 0.81 1,214
    2024-07-01 $349,950 (2.9%) $420,582 (-2.1%) 0.80 1,304
    2024-08-01 $349,900 (2.9%) $421,277 (-1.5%) 0.81 1,347
    2024-09-01 $348,700 (5.2%) $419,334 (0.9%) 0.82 1,456
    2024-10-01 $347,575 (3.8%) $416,402 (0.7%) 0.82 1,502
    2024-11-01 $335,000 (0.0%) $416,250 (2.6%) 0.80 1,593
    2024-12-01 $335,950 (1.8%) $418,473 (5.2%) 0.83 1,495
    2025-01-01 $335,000 (0.0%) $424,900 (6.5%) 0.84 1,375
    2025-02-01 $338,750 (3.0%) $422,762 (7.1%) 0.82 1,330
    2025-03-01 $347,500 (3.8%) $427,216 (4.7%) 0.82 1,379
    2025-04-01 $350,000 (3.7%) $433,569 (4.1%) 0.81 1,445
    2025-05-01 $355,000 (0.1%) $432,564 (0.9%) 0.81 1,569
    Winston's median listing price for 2025-05-01 was $355,000, a difference of $489 (0.1%) versus the prior year and $5,000 versus the prior month.

    Winston's median listing price comes in at 81% of the national average.

    Winston's average listing price for 2025-05-01 was $432,564, a difference of $3,890 (0.9%) versus the prior year and $-1,005 versus the prior month.

    For the 2025-05-01 period, Winston had 1,569 MLS listings, a difference of 124 listings (9%) versus the prior month and 401 listings (34%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Winston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 92 days 2,115 sqft
    2018-02-01 86 days 2,112 sqft
    2018-03-01 60 days 2,141 sqft
    2018-04-01 59 days 2,168 sqft
    2018-05-01 58 days 2,200 sqft
    2018-06-01 58 days 2,222 sqft
    2018-07-01 66 days 2,248 sqft
    2018-08-01 65 days 2,214 sqft
    2018-09-01 65 days 2,208 sqft
    2018-10-01 70 days 2,174 sqft
    2018-11-01 75 days 2,106 sqft
    2018-12-01 85 days 2,077 sqft
    2019-01-01 94 days 2,082 sqft
    2019-02-01 92 days 2,134 sqft
    2019-03-01 71 days 2,228 sqft
    2019-04-01 54 days 2,319 sqft
    2019-05-01 52 days 2,338 sqft
    2019-06-01 58 days 2,352 sqft
    2019-07-01 64 days 2,377 sqft
    2019-08-01 64 days 2,380 sqft
    2019-09-01 61 days 2,340 sqft
    2019-10-01 59 days 2,338 sqft
    2019-11-01 65 days 2,334 sqft
    2019-12-01 76 days 2,300 sqft
    2020-01-01 80 days 2,282 sqft
    2020-02-01 79 days 2,362 sqft
    2020-03-01 52 days 2,385 sqft
    2020-04-01 50 days 2,327 sqft
    2020-05-01 65 days 2,433 sqft
    2020-06-01 70 days 2,413 sqft
    2020-07-01 57 days 2,483 sqft
    2020-08-01 51 days 2,431 sqft
    2020-09-01 41 days 2,334 sqft
    2020-10-01 46 days 2,341 sqft
    2020-11-01 63 days 2,218 sqft
    2020-12-01 79 days 2,109 sqft
    2021-01-01 78 days 2,110 sqft
    2021-02-01 73 days 2,099 sqft
    2021-03-01 45 days 2,109 sqft
    2021-04-01 45 days 2,065 sqft
    2021-05-01 51 days 1,975 sqft
    2021-06-01 44 days 1,942 sqft
    2021-07-01 46 days 1,927 sqft
    2021-08-01 37 days 1,908 sqft
    2021-09-01 36 days 1,903 sqft
    2021-10-01 38 days 1,908 sqft
    2021-11-01 46 days 1,925 sqft
    2021-12-01 52 days 1,860 sqft
    2022-01-01 57 days 1,953 sqft
    2022-02-01 47 days 1,987 sqft
    2022-03-01 32 days 1,935 sqft
    2022-04-01 35 days 2,002 sqft
    2022-05-01 35 days 2,030 sqft
    2022-06-01 37 days 2,056 sqft
    2022-07-01 39 days 2,065 sqft
    2022-08-01 43 days 2,051 sqft
    2022-09-01 45 days 2,027 sqft
    2022-10-01 44 days 2,100 sqft
    2022-11-01 51 days 2,083 sqft
    2022-12-01 58 days 2,123 sqft
    2023-01-01 63 days 2,107 sqft
    2023-02-01 47 days 2,092 sqft
    2023-03-01 45 days 2,062 sqft
    2023-04-01 40 days 2,036 sqft
    2023-05-01 46 days 2,080 sqft
    2023-06-01 44 days 2,074 sqft
    2023-07-01 43 days 2,031 sqft
    2023-08-01 42 days 2,014 sqft
    2023-09-01 42 days 1,964 sqft
    2023-10-01 42 days 1,997 sqft
    2023-11-01 44 days 1,915 sqft
    2023-12-01 51 days 1,836 sqft
    2024-01-01 59 days 1,847 sqft
    2024-02-01 48 days 1,796 sqft
    2024-03-01 44 days 1,774 sqft
    2024-04-01 43 days 1,871 sqft
    2024-05-01 43 days 1,908 sqft
    2024-06-01 45 days 1,961 sqft
    2024-07-01 46 days 1,911 sqft
    2024-08-01 47 days 1,795 sqft
    2024-09-01 48 days 1,774 sqft
    2024-10-01 49 days 1,767 sqft
    2024-11-01 52 days 1,764 sqft
    2024-12-01 60 days 1,729 sqft
    2025-01-01 70 days 1,663 sqft
    2025-02-01 62 days 1,769 sqft
    2025-03-01 49 days 1,834 sqft
    2025-04-01 41 days 1,895 sqft
    2025-05-01 42 days 1,974 sqft
    Winston's median listing age (time on market) for 2025-05-01 was 42 days. This is -1% shorter than the same period one year ago.

    Winston's median square footage for active listings during the 2025-05-01 period was 1,974 sqft. One year prior, the average listing was 1,908 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).