Athens USDA Loan Rates, Closing Costs & Stats
Athens, TN
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 27 lenders originated 51 USDA loans during 2023. The total origination value was $10,695,000, with an average USDA loan value of $209,706.
Athens USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Athens
averaged
-0.09%
for the week of 2024-11-29, compared to the national average (all USDA variants) of
0% for the same period.
Athens's average USDA mortgage closing costs are $5,130.
The average rate for the prior week (2024-11-22) was
6.11% and
one month ago for the week of 2024-10-25, the
average rate was 6.21%.
The average rate one year ago was 6.81%.
For refis of the same type during the week of 2024-11-29, the average rate
was 0.1%.
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.
The top Athens USDA lender as defined by loan originations is FIRST COMMUNITY MORTGAGE, INC., with
5 USDA loans originated. Their average total fees are
$6,406, which is $279
lower than the next largest lender,
MORTGAGE INVESTORS GROUP, INC..
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. LouisDate | Median Listing Price (YoY Change) | Average Listing Price (YoY) | MSA/US Median Price Ratio | Active Listings |
---|---|---|---|---|
2018-01-01 | $135,350 (3.6%) | $204,617 (17.0%) | 0.00 | 190 |
2018-02-01 | $138,450 (2.2%) | $212,635 (16.7%) | 0.00 | 176 |
2018-03-01 | $148,450 (6.6%) | $216,332 (16.8%) | 0.00 | 180 |
2018-04-01 | $155,000 (14.8%) | $217,071 (25.9%) | 0.00 | 200 |
2018-05-01 | $166,800 (20.1%) | $227,205 (30.7%) | 0.00 | 211 |
2018-06-01 | $169,900 (16.9%) | $221,615 (25.1%) | 0.00 | 230 |
2018-07-01 | $167,175 (15.4%) | $224,525 (28.8%) | 0.00 | 229 |
2018-08-01 | $169,900 (18.3%) | $223,349 (24.3%) | 0.00 | 234 |
2018-09-01 | $169,950 (14.1%) | $225,544 (22.9%) | 0.00 | 232 |
2018-10-01 | $175,975 (25.8%) | $233,086 (25.8%) | 0.00 | 239 |
2018-11-01 | $165,200 (22.4%) | $229,045 (26.9%) | 0.00 | 233 |
2018-12-01 | $160,000 (23.1%) | $207,727 (3.2%) | 0.00 | 214 |
2019-01-01 | $159,900 (18.1%) | $205,098 (0.2%) | 0.00 | 211 |
2019-02-01 | $165,000 (19.2%) | $205,802 (-3.2%) | 0.00 | 203 |
2019-03-01 | $171,914 (15.8%) | $205,981 (-4.8%) | 0.00 | 186 |
2019-04-01 | $177,450 (14.5%) | $211,105 (-2.8%) | 0.00 | 177 |
2019-05-01 | $192,325 (15.3%) | $221,858 (-2.4%) | 0.00 | 190 |
2019-06-01 | $189,900 (11.8%) | $219,647 (-0.9%) | 0.00 | 184 |
2019-07-01 | $179,900 (7.6%) | $209,178 (-6.8%) | 0.00 | 182 |
2019-08-01 | $177,173 (4.3%) | $211,112 (-5.5%) | 0.00 | 177 |
2019-09-01 | $173,082 (1.8%) | $210,634 (-6.6%) | 0.00 | 188 |
2019-10-01 | $172,855 (-1.8%) | $211,465 (-9.3%) | 0.00 | 191 |
2019-11-01 | $160,000 (-3.2%) | $206,257 (-10.0%) | 0.00 | 184 |
2019-12-01 | $162,900 (1.8%) | $211,440 (1.8%) | 0.00 | 184 |
2020-01-01 | $168,450 (5.4%) | $216,276 (5.5%) | 0.00 | 178 |
2020-02-01 | $170,000 (3.0%) | $228,221 (10.9%) | 0.00 | 158 |
2020-03-01 | $176,125 (2.5%) | $228,824 (11.1%) | 0.00 | 140 |
2020-04-01 | $165,125 (-7.0%) | $222,863 (5.6%) | 0.00 | 133 |
2020-05-01 | $189,950 (-1.2%) | $251,107 (13.2%) | 0.00 | 120 |
2020-06-01 | $204,325 (7.6%) | $260,984 (18.8%) | 0.00 | 107 |
2020-07-01 | $197,250 (9.6%) | $241,656 (15.5%) | 0.00 | 101 |
2020-08-01 | $209,950 (18.5%) | $257,256 (21.9%) | 0.00 | 92 |
2020-09-01 | $214,475 (23.9%) | $268,089 (27.3%) | 0.00 | 83 |
2020-10-01 | $210,000 (21.5%) | $253,917 (20.1%) | 0.00 | 87 |
2020-11-01 | $193,225 (20.8%) | $258,052 (25.1%) | 0.00 | 83 |
2020-12-01 | $174,600 (7.2%) | $242,470 (14.7%) | 0.00 | 72 |
2021-01-01 | $171,750 (2.0%) | $265,280 (22.7%) | 0.00 | 60 |
2021-02-01 | $195,350 (14.9%) | $282,907 (24.0%) | 0.00 | 49 |
2021-03-01 | $226,250 (28.5%) | $304,468 (33.1%) | 0.00 | 42 |
2021-04-01 | $252,450 (52.9%) | $329,885 (48.0%) | 0.00 | 44 |
2021-05-01 | $275,000 (44.8%) | $373,345 (48.7%) | 0.00 | 63 |
2021-06-01 | $245,000 (19.9%) | $368,581 (41.2%) | 0.00 | 80 |
2021-07-01 | $269,799 (36.8%) | $412,679 (70.8%) | 0.00 | 84 |
2021-08-01 | $233,700 (11.3%) | $365,017 (41.9%) | 0.00 | 94 |
2021-09-01 | $229,750 (7.1%) | $367,726 (37.2%) | 0.00 | 96 |
2021-10-01 | $224,950 (7.1%) | $373,069 (46.9%) | 0.00 | 81 |
2021-11-01 | $250,075 (29.4%) | $369,595 (43.2%) | 0.00 | 71 |
2021-12-01 | $272,450 (56.0%) | $390,914 (61.2%) | 0.00 | 75 |
2022-01-01 | $300,000 (74.7%) | $423,874 (59.8%) | 0.00 | 64 |
2022-02-01 | $319,184 (63.4%) | $451,173 (59.5%) | 0.00 | 67 |
2022-03-01 | $319,950 (41.4%) | $480,360 (57.8%) | 0.00 | 68 |
2022-04-01 | $310,028 (22.8%) | $419,062 (27.0%) | 0.00 | 75 |
2022-05-01 | $326,200 (18.6%) | $423,988 (13.6%) | 0.00 | 90 |
2022-06-01 | $319,950 (30.6%) | $396,779 (7.7%) | 0.00 | 99 |
2022-07-01 | $299,900 (11.2%) | $381,474 (-7.6%) | 0.00 | 126 |
2022-08-01 | $309,900 (32.6%) | $393,787 (7.9%) | 0.00 | 124 |
2022-09-01 | $317,450 (38.2%) | $415,887 (13.1%) | 0.00 | 131 |
2022-10-01 | $324,950 (44.5%) | $440,068 (18.0%) | 0.00 | 143 |
2022-11-01 | $329,950 (31.9%) | $438,882 (18.8%) | 0.00 | 164 |
2022-12-01 | $331,893 (21.8%) | $447,421 (14.5%) | 0.00 | 152 |
2023-01-01 | $337,649 (12.6%) | $455,592 (7.5%) | 0.00 | 118 |
2023-02-01 | $343,810 (7.7%) | $418,588 (-7.2%) | 0.00 | 109 |
2023-03-01 | $344,620 (7.7%) | $437,641 (-8.9%) | 0.00 | 101 |
2023-04-01 | $347,000 (11.9%) | $471,775 (12.6%) | 0.00 | 88 |
2023-05-01 | $316,635 (-2.9%) | $412,847 (-2.6%) | 0.00 | 128 |
2023-06-01 | $321,000 (0.3%) | $415,279 (4.7%) | 0.00 | 130 |
2023-07-01 | $299,900 (0.0%) | $403,359 (5.7%) | 0.00 | 130 |
2023-08-01 | $343,228 (10.8%) | $443,200 (12.6%) | 0.00 | 139 |
2023-09-01 | $329,500 (3.8%) | $423,846 (1.9%) | 0.00 | 147 |
2023-10-01 | $308,900 (-4.9%) | $402,343 (-8.6%) | 0.00 | 161 |
2023-11-01 | $302,100 (-8.4%) | $389,103 (-11.3%) | 0.00 | 174 |
2023-12-01 | $309,000 (-6.9%) | $406,867 (-9.1%) | 0.00 | 175 |
2024-01-01 | $320,250 (-5.2%) | $403,851 (-11.4%) | 0.00 | 158 |
2024-02-01 | $337,450 (-1.9%) | $426,313 (1.9%) | 0.00 | 150 |
2024-03-01 | $349,999 (1.6%) | $434,228 (-0.8%) | 0.00 | 141 |
2024-04-01 | $325,000 (-6.3%) | $381,739 (-19.1%) | 0.00 | 124 |
2024-05-01 | $325,000 (2.6%) | $379,109 (-8.2%) | 0.00 | 151 |
2024-06-01 | $325,000 (1.3%) | $379,676 (-8.6%) | 0.00 | 166 |
2024-07-01 | $321,900 (7.3%) | $371,980 (-7.8%) | 0.00 | 182 |
2024-08-01 | $325,000 (-5.3%) | $370,230 (-16.5%) | 0.00 | 180 |
2024-09-01 | $321,950 (-2.3%) | $364,496 (-14.0%) | 0.00 | 190 |
2024-10-01 | $315,000 (2.0%) | $351,038 (-12.8%) | 0.00 | 206 |
Athens's median listing price comes in at 0% of the national average.
Athens's average listing price for 2024-10-01 was $351,038, a difference of $-51,305 (-12.8%) versus the prior year and $-13,458 versus the prior month.
For the 2024-10-01 period, Athens had 206 MLS listings, a difference of 16 listings (8%) versus the prior month and 45 listings (28%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Athens (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 1,567 sqft |
2018-02-01 | 0 days | 1,589 sqft |
2018-03-01 | 0 days | 1,708 sqft |
2018-04-01 | 0 days | 1,784 sqft |
2018-05-01 | 0 days | 1,800 sqft |
2018-06-01 | 0 days | 1,817 sqft |
2018-07-01 | 0 days | 1,849 sqft |
2018-08-01 | 0 days | 1,848 sqft |
2018-09-01 | 0 days | 1,826 sqft |
2018-10-01 | 0 days | 1,860 sqft |
2018-11-01 | 0 days | 1,805 sqft |
2018-12-01 | 0 days | 1,772 sqft |
2019-01-01 | 0 days | 1,761 sqft |
2019-02-01 | 0 days | 1,759 sqft |
2019-03-01 | 0 days | 1,797 sqft |
2019-04-01 | 0 days | 1,821 sqft |
2019-05-01 | 0 days | 1,888 sqft |
2019-06-01 | 0 days | 1,909 sqft |
2019-07-01 | 0 days | 1,848 sqft |
2019-08-01 | 0 days | 1,831 sqft |
2019-09-01 | 0 days | 1,746 sqft |
2019-10-01 | 0 days | 1,689 sqft |
2019-11-01 | 0 days | 1,528 sqft |
2019-12-01 | 0 days | 1,586 sqft |
2020-01-01 | 0 days | 1,650 sqft |
2020-02-01 | 0 days | 1,820 sqft |
2020-03-01 | 0 days | 1,834 sqft |
2020-04-01 | 0 days | 1,830 sqft |
2020-05-01 | 0 days | 1,917 sqft |
2020-06-01 | 0 days | 2,010 sqft |
2020-07-01 | 0 days | 1,910 sqft |
2020-08-01 | 0 days | 1,991 sqft |
2020-09-01 | 0 days | 2,108 sqft |
2020-10-01 | 0 days | 2,016 sqft |
2020-11-01 | 0 days | 1,900 sqft |
2020-12-01 | 0 days | 1,798 sqft |
2021-01-01 | 0 days | 1,791 sqft |
2021-02-01 | 0 days | 1,806 sqft |
2021-03-01 | 0 days | 1,833 sqft |
2021-04-01 | 0 days | 1,824 sqft |
2021-05-01 | 0 days | 1,889 sqft |
2021-06-01 | 0 days | 1,846 sqft |
2021-07-01 | 0 days | 2,000 sqft |
2021-08-01 | 0 days | 1,934 sqft |
2021-09-01 | 0 days | 1,832 sqft |
2021-10-01 | 0 days | 1,768 sqft |
2021-11-01 | 0 days | 1,897 sqft |
2021-12-01 | 0 days | 1,861 sqft |
2022-01-01 | 0 days | 1,873 sqft |
2022-02-01 | 0 days | 2,001 sqft |
2022-03-01 | 0 days | 1,920 sqft |
2022-04-01 | 0 days | 1,934 sqft |
2022-05-01 | 0 days | 1,932 sqft |
2022-06-01 | 0 days | 1,847 sqft |
2022-07-01 | 0 days | 1,774 sqft |
2022-08-01 | 0 days | 1,813 sqft |
2022-09-01 | 0 days | 1,880 sqft |
2022-10-01 | 0 days | 1,976 sqft |
2022-11-01 | 0 days | 2,023 sqft |
2022-12-01 | 0 days | 1,994 sqft |
2023-01-01 | 0 days | 2,044 sqft |
2023-02-01 | 0 days | 2,012 sqft |
2023-03-01 | 0 days | 2,092 sqft |
2023-04-01 | 0 days | 1,994 sqft |
2023-05-01 | 0 days | 1,964 sqft |
2023-06-01 | 0 days | 1,962 sqft |
2023-07-01 | 0 days | 1,895 sqft |
2023-08-01 | 0 days | 1,817 sqft |
2023-09-01 | 0 days | 1,725 sqft |
2023-10-01 | 0 days | 1,699 sqft |
2023-11-01 | 0 days | 1,698 sqft |
2023-12-01 | 0 days | 1,690 sqft |
2024-01-01 | 0 days | 1,702 sqft |
2024-02-01 | 0 days | 1,734 sqft |
2024-03-01 | 0 days | 1,779 sqft |
2024-04-01 | 0 days | 1,655 sqft |
2024-05-01 | 0 days | 1,660 sqft |
2024-06-01 | 0 days | 1,584 sqft |
2024-07-01 | 0 days | 1,568 sqft |
2024-08-01 | 0 days | 1,772 sqft |
2024-09-01 | 0 days | 1,703 sqft |
2024-10-01 | 0 days | 1,601 sqft |
Athens's median square footage for active listings during the 2024-10-01 period was 1,601 sqft. One year prior, the average listing was 1,699 sqft.