Athens USDA Loan Rates, Closing Costs & Stats

Athens, OH

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    • USDA loans are zero-downpayment loans targeted towards lower-income households in rural areas. They can be made directly by the US Department of Agriculture or through a participating lender-- and they typically to borrowers with credit scores over 640. They can have subsidized rates, making them very competitive in terms of cost, but they have more stringent standards on who is eligible as well as specific covenants such as only being available in rural areas and limits on home size.

    Athens's 5 lenders originated 12 USDA loans during 2023. The total origination value was $2,310,000, with an average USDA loan value of $192,500.

    Athens USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Athens averaged 6.66% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Athens's average USDA mortgage closing costs are $5,489.

    The average rate for the prior week (2025-02-07) was 6.62% and one month ago for the week of 2025-01-10, the average rate was 6.66%.

    The average rate one year ago was 6.75%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.43%.

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

    Athens USDA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for USDA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Athens level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    CROSSCOUNTRY MORTGAGE, LLC 3 7.33% $8,109
    UNION HOME MORTGAGE CORP. 3 6.79% $6,015
    Citizens Bank 1 7.25% $4,555
    LIBERTY HOME MORTGAGE CORPORATION 1 6.75% $7,834
    T2 FINANCIAL LLC 1 7.25% $8,303

    The top Athens USDA lender as defined by loan originations is CROSSCOUNTRY MORTGAGE, LLC, with 3 USDA loans originated. Their average total fees are $8,109, which is $2,094 higher than the next largest lender, UNION HOME MORTGAGE CORP..

    The lowest fee Athens USDA lenders (with over 10 loans originated) are .

    The lowest rate Athens USDA lenders (with over 10 loans originated) are .

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Athens (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 $165,000 (24.6%) $186,377 (0.2%) 0.00 150
    2018-02-01 $180,425 (27.3%) $192,650 (-0.7%) 0.00 154
    2018-03-01 $173,450 (2.1%) $193,758 (-9.6%) 0.00 184
    2018-04-01 $184,050 (8.9%) $204,628 (-3.0%) 0.00 189
    2018-05-01 $195,000 (17.1%) $210,181 (-0.3%) 0.00 188
    2018-06-01 $189,500 (11.4%) $213,470 (-0.6%) 0.00 205
    2018-07-01 $192,425 (4.3%) $214,907 (-0.1%) 0.00 199
    2018-08-01 $184,450 (7.0%) $213,942 (6.8%) 0.00 189
    2018-09-01 $179,900 (5.9%) $212,826 (9.7%) 0.00 175
    2018-10-01 $165,000 (-5.7%) $207,516 (6.5%) 0.00 180
    2018-11-01 $178,650 (3.4%) $216,215 (10.1%) 0.00 170
    2018-12-01 $179,900 (2.8%) $214,613 (10.7%) 0.00 158
    2019-01-01 $184,450 (11.8%) $214,352 (15.0%) 0.00 146
    2019-02-01 $179,900 (-0.3%) $210,500 (9.3%) 0.00 155
    2019-03-01 $175,614 (1.3%) $206,519 (6.6%) 0.00 174
    2019-04-01 $169,900 (-7.7%) $203,065 (-0.8%) 0.00 193
    2019-05-01 $172,400 (-11.6%) $206,930 (-1.6%) 0.00 193
    2019-06-01 $167,000 (-11.9%) $201,587 (-5.6%) 0.00 205
    2019-07-01 $162,500 (-15.6%) $194,228 (-9.6%) 0.00 208
    2019-08-01 $162,818 (-11.7%) $194,364 (-9.2%) 0.00 210
    2019-09-01 $166,295 (-7.6%) $196,337 (-7.8%) 0.00 208
    2019-10-01 $168,614 (2.2%) $196,852 (-5.1%) 0.00 200
    2019-11-01 $175,000 (-2.0%) $199,233 (-7.9%) 0.00 181
    2019-12-01 $169,000 (-6.1%) $197,159 (-8.1%) 0.00 160
    2020-01-01 $166,500 (-9.7%) $197,955 (-7.7%) 0.00 142
    2020-02-01 $165,000 (-8.3%) $204,240 (-3.0%) 0.00 150
    2020-03-01 $189,450 (7.9%) $212,981 (3.1%) 0.00 168
    2020-04-01 $189,675 (11.6%) $211,349 (4.1%) 0.00 168
    2020-05-01 $196,250 (13.8%) $218,290 (5.5%) 0.00 156
    2020-06-01 $198,875 (19.1%) $215,962 (7.1%) 0.00 150
    2020-07-01 $192,475 (18.5%) $207,211 (6.7%) 0.00 146
    2020-08-01 $190,500 (17.0%) $208,785 (7.4%) 0.00 136
    2020-09-01 $184,675 (11.1%) $210,651 (7.3%) 0.00 137
    2020-10-01 $185,000 (9.7%) $198,848 (1.0%) 0.00 129
    2020-11-01 $179,375 (2.5%) $199,763 (0.3%) 0.00 114
    2020-12-01 $162,500 (-3.9%) $189,877 (-3.7%) 0.00 98
    2021-01-01 $167,500 (0.6%) $186,377 (-5.9%) 0.00 86
    2021-02-01 $159,125 (-3.6%) $178,410 (-12.7%) 0.00 83
    2021-03-01 $154,450 (-18.5%) $184,858 (-13.2%) 0.00 93
    2021-04-01 $154,000 (-18.8%) $191,635 (-9.3%) 0.00 99
    2021-05-01 $179,450 (-8.6%) $212,551 (-2.6%) 0.00 98
    2021-06-01 $183,700 (-7.6%) $213,893 (-1.0%) 0.00 112
    2021-07-01 $179,000 (-7.0%) $215,079 (3.8%) 0.00 103
    2021-08-01 $187,000 (-1.8%) $217,721 (4.3%) 0.00 100
    2021-09-01 $185,000 (0.2%) $211,654 (0.5%) 0.00 96
    2021-10-01 $189,900 (2.7%) $205,692 (3.4%) 0.00 85
    2021-11-01 $179,500 (0.1%) $203,218 (1.7%) 0.00 73
    2021-12-01 $167,975 (3.4%) $189,216 (-0.4%) 0.00 62
    2022-01-01 $168,000 (0.3%) $187,623 (0.7%) 0.00 54
    2022-02-01 $177,500 (11.6%) $192,192 (7.7%) 0.00 56
    2022-03-01 $174,125 (12.7%) $209,577 (13.4%) 0.00 56
    2022-04-01 $180,000 (16.9%) $230,593 (20.3%) 0.00 71
    2022-05-01 $188,625 (5.1%) $223,851 (5.3%) 0.00 92
    2022-06-01 $194,750 (6.0%) $249,495 (16.6%) 0.00 102
    2022-07-01 $209,750 (17.2%) $258,105 (20.0%) 0.00 108
    2022-08-01 $182,225 (-2.6%) $228,008 (4.7%) 0.00 104
    2022-09-01 $188,000 (1.6%) $217,301 (2.7%) 0.00 110
    2022-10-01 $194,500 (2.4%) $234,202 (13.9%) 0.00 112
    2022-11-01 $199,950 (11.4%) $240,452 (18.3%) 0.00 99
    2022-12-01 $194,900 (16.0%) $243,252 (28.6%) 0.00 95
    2023-01-01 $193,475 (15.2%) $245,832 (31.0%) 0.00 80
    2023-02-01 $218,475 (23.1%) $254,237 (32.3%) 0.00 84
    2023-03-01 $192,400 (10.5%) $236,576 (12.9%) 0.00 95
    2023-04-01 $225,000 (25.0%) $263,671 (14.3%) 0.00 71
    2023-05-01 $191,500 (1.5%) $239,849 (7.2%) 0.00 61
    2023-06-01 $199,925 (2.7%) $267,818 (7.3%) 0.00 48
    2023-07-01 $205,000 (-2.3%) $274,335 (6.3%) 0.00 48
    2023-08-01 $222,450 (22.1%) $301,444 (32.2%) 0.00 51
    2023-09-01 $209,900 (11.7%) $276,472 (27.2%) 0.00 53
    2023-10-01 $203,725 (4.7%) $263,719 (12.6%) 0.00 63
    2023-11-01 $235,000 (17.5%) $258,662 (7.6%) 0.00 68
    2023-12-01 $247,200 (26.8%) $282,497 (16.1%) 0.00 66
    2024-01-01 $225,675 (16.6%) $273,162 (11.1%) 0.00 59
    2024-02-01 $224,000 (2.5%) $270,186 (6.3%) 0.00 60
    2024-03-01 $256,750 (33.5%) $288,806 (22.1%) 0.00 52
    2024-04-01 $258,125 (14.7%) $290,671 (10.2%) 0.00 50
    2024-05-01 $261,375 (36.5%) $301,286 (25.6%) 0.00 54
    2024-06-01 $254,000 (27.1%) $300,435 (12.2%) 0.00 69
    2024-07-01 $234,200 (14.2%) $280,491 (2.2%) 0.00 73
    2024-08-01 $249,000 (11.9%) $293,660 (-2.6%) 0.00 82
    2024-09-01 $267,000 (27.2%) $305,815 (10.6%) 0.00 86
    2024-10-01 $259,675 (27.5%) $313,711 (19.0%) 0.00 88
    2024-11-01 $215,000 (-8.5%) $281,844 (9.0%) 0.00 79
    2024-12-01 $213,473 (-13.6%) $268,133 (-5.1%) 0.00 67
    2025-01-01 $221,161 (-2.0%) $270,438 (-1.0%) 0.00 65
    Athens's median listing price for 2025-01-01 was $221,161, a difference of $-4,514 (-2.0%) versus the prior year and $7,688 versus the prior month.

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

    Athens's average listing price for 2025-01-01 was $270,438, a difference of $-2,724 (-1.0%) versus the prior year and $2,305 versus the prior month.

    For the 2025-01-01 period, Athens had 65 MLS listings, a difference of -2 listings (-3%) versus the prior month and 6 listings (10%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Athens (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,844 sqft
    2018-02-01 0 days 1,901 sqft
    2018-03-01 0 days 1,787 sqft
    2018-04-01 0 days 1,813 sqft
    2018-05-01 0 days 1,877 sqft
    2018-06-01 0 days 1,960 sqft
    2018-07-01 0 days 1,889 sqft
    2018-08-01 0 days 1,846 sqft
    2018-09-01 0 days 1,827 sqft
    2018-10-01 0 days 1,811 sqft
    2018-11-01 0 days 1,778 sqft
    2018-12-01 0 days 1,746 sqft
    2019-01-01 0 days 1,718 sqft
    2019-02-01 0 days 1,680 sqft
    2019-03-01 0 days 1,708 sqft
    2019-04-01 0 days 1,738 sqft
    2019-05-01 0 days 1,737 sqft
    2019-06-01 0 days 1,728 sqft
    2019-07-01 0 days 1,713 sqft
    2019-08-01 0 days 1,720 sqft
    2019-09-01 0 days 1,726 sqft
    2019-10-01 0 days 1,735 sqft
    2019-11-01 0 days 1,776 sqft
    2019-12-01 0 days 1,739 sqft
    2020-01-01 0 days 1,707 sqft
    2020-02-01 0 days 1,678 sqft
    2020-03-01 0 days 1,860 sqft
    2020-04-01 0 days 1,852 sqft
    2020-05-01 0 days 1,812 sqft
    2020-06-01 0 days 1,809 sqft
    2020-07-01 0 days 1,731 sqft
    2020-08-01 0 days 1,696 sqft
    2020-09-01 0 days 1,687 sqft
    2020-10-01 0 days 1,704 sqft
    2020-11-01 0 days 1,684 sqft
    2020-12-01 0 days 1,592 sqft
    2021-01-01 0 days 1,560 sqft
    2021-02-01 0 days 1,455 sqft
    2021-03-01 0 days 1,509 sqft
    2021-04-01 0 days 1,510 sqft
    2021-05-01 0 days 1,610 sqft
    2021-06-01 0 days 1,628 sqft
    2021-07-01 0 days 1,614 sqft
    2021-08-01 0 days 1,660 sqft
    2021-09-01 0 days 1,660 sqft
    2021-10-01 0 days 1,632 sqft
    2021-11-01 0 days 1,560 sqft
    2021-12-01 0 days 1,366 sqft
    2022-01-01 0 days 1,316 sqft
    2022-02-01 0 days 1,361 sqft
    2022-03-01 0 days 1,416 sqft
    2022-04-01 0 days 1,512 sqft
    2022-05-01 0 days 1,408 sqft
    2022-06-01 0 days 1,475 sqft
    2022-07-01 0 days 1,640 sqft
    2022-08-01 0 days 1,635 sqft
    2022-09-01 0 days 1,524 sqft
    2022-10-01 0 days 1,680 sqft
    2022-11-01 0 days 1,682 sqft
    2022-12-01 0 days 1,692 sqft
    2023-01-01 0 days 1,650 sqft
    2023-02-01 0 days 1,640 sqft
    2023-03-01 0 days 1,631 sqft
    2023-04-01 0 days 1,630 sqft
    2023-05-01 0 days 1,525 sqft
    2023-06-01 0 days 1,477 sqft
    2023-07-01 0 days 1,680 sqft
    2023-08-01 0 days 1,778 sqft
    2023-09-01 0 days 1,734 sqft
    2023-10-01 0 days 1,665 sqft
    2023-11-01 0 days 1,672 sqft
    2023-12-01 0 days 1,658 sqft
    2024-01-01 0 days 1,635 sqft
    2024-02-01 0 days 1,670 sqft
    2024-03-01 0 days 1,660 sqft
    2024-04-01 0 days 1,663 sqft
    2024-05-01 0 days 1,729 sqft
    2024-06-01 0 days 1,671 sqft
    2024-07-01 0 days 1,659 sqft
    2024-08-01 0 days 1,728 sqft
    2024-09-01 0 days 1,692 sqft
    2024-10-01 0 days 1,623 sqft
    2024-11-01 0 days 1,470 sqft
    2024-12-01 0 days 1,446 sqft
    2025-01-01 0 days 1,492 sqft
    Athens's median listing age (time on market) for 2025-01-01 was 0 days.

    Athens's median square footage for active listings during the 2025-01-01 period was 1,492 sqft. One year prior, the average listing was 1,635 sqft.