Athens USDA Loan Rates, Closing Costs & Stats

Athens, TX

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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 7 USDA loans during 2023. The total origination value was $1,435,000, with an average USDA loan value of $205,000.

    Athens USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Athens averaged 6.72% 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 $5,835.

    The average rate for the prior week (2025-02-07) was 6.48% and one month ago for the week of 2025-01-10, the average rate was 6.63%.

    The average rate one year ago was 6.52%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.52%.

    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
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 6.58% $10,241
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 1 6.63% $5,825
    NP, Inc. 1 7.13% $8,277
    Paramount Residential Mortgage Group, Inc. 1 7.13% $11,907
    PLAZA HOME MORTGAGE, INC. 1 5.25% $11,333

    The top Athens USDA lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 3 USDA loans originated. Their average total fees are $10,241, which is $4,416 higher than the next largest lender, AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC.

    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 $259,250 (8.4%) $425,705 (12.7%) 0.00 518
    2018-02-01 $267,450 (11.7%) $437,826 (18.8%) 0.00 528
    2018-03-01 $285,000 (13.0%) $434,648 (14.2%) 0.00 520
    2018-04-01 $287,000 (14.8%) $435,929 (14.4%) 0.00 552
    2018-05-01 $297,700 (17.0%) $445,338 (12.1%) 0.00 557
    2018-06-01 $289,000 (11.5%) $448,794 (14.1%) 0.00 585
    2018-07-01 $275,000 (8.5%) $420,601 (8.2%) 0.00 568
    2018-08-01 $249,725 (-2.9%) $390,540 (-3.8%) 0.00 598
    2018-09-01 $240,000 (-10.8%) $395,800 (-3.1%) 0.00 603
    2018-10-01 $228,475 (-13.5%) $394,289 (-6.6%) 0.00 604
    2018-11-01 $222,750 (-16.6%) $401,770 (-3.6%) 0.00 575
    2018-12-01 $219,900 (-15.1%) $406,422 (0.1%) 0.00 568
    2019-01-01 $222,450 (-14.2%) $416,794 (-2.1%) 0.00 521
    2019-02-01 $234,000 (-12.5%) $405,960 (-7.3%) 0.00 494
    2019-03-01 $250,443 (-12.1%) $420,060 (-3.4%) 0.00 499
    2019-04-01 $257,975 (-10.1%) $418,630 (-4.0%) 0.00 523
    2019-05-01 $271,625 (-8.8%) $409,968 (-7.9%) 0.00 505
    2019-06-01 $275,000 (-4.8%) $411,014 (-8.4%) 0.00 516
    2019-07-01 $269,000 (-2.2%) $409,563 (-2.6%) 0.00 528
    2019-08-01 $263,791 (5.6%) $412,583 (5.6%) 0.00 533
    2019-09-01 $255,977 (6.7%) $411,843 (4.1%) 0.00 530
    2019-10-01 $257,818 (12.8%) $424,780 (7.7%) 0.00 509
    2019-11-01 $258,300 (16.0%) $432,073 (7.5%) 0.00 481
    2019-12-01 $249,125 (13.3%) $384,653 (-5.4%) 0.00 464
    2020-01-01 $238,944 (7.4%) $392,964 (-5.7%) 0.00 421
    2020-02-01 $231,314 (-1.2%) $375,023 (-7.6%) 0.00 440
    2020-03-01 $234,200 (-6.5%) $379,088 (-9.8%) 0.00 452
    2020-04-01 $229,950 (-10.9%) $365,062 (-12.8%) 0.00 466
    2020-05-01 $232,400 (-14.4%) $412,774 (0.7%) 0.00 418
    2020-06-01 $228,675 (-16.9%) $410,018 (-0.2%) 0.00 335
    2020-07-01 $225,000 (-16.4%) $412,576 (0.7%) 0.00 310
    2020-08-01 $229,000 (-13.2%) $452,460 (9.7%) 0.00 309
    2020-09-01 $227,000 (-11.3%) $469,135 (13.9%) 0.00 311
    2020-10-01 $234,500 (-9.0%) $483,568 (13.8%) 0.00 330
    2020-11-01 $237,543 (-8.0%) $499,423 (15.6%) 0.00 339
    2020-12-01 $232,400 (-6.7%) $481,052 (25.1%) 0.00 317
    2021-01-01 $229,400 (-4.0%) $460,067 (17.1%) 0.00 290
    2021-02-01 $244,900 (5.9%) $492,845 (31.4%) 0.00 245
    2021-03-01 $267,175 (14.1%) $462,734 (22.1%) 0.00 214
    2021-04-01 $278,025 (20.9%) $487,406 (33.5%) 0.00 211
    2021-05-01 $289,000 (24.4%) $516,134 (25.0%) 0.00 219
    2021-06-01 $294,475 (28.8%) $585,601 (42.8%) 0.00 236
    2021-07-01 $299,900 (33.3%) $578,615 (40.2%) 0.00 274
    2021-08-01 $359,225 (56.9%) $584,349 (29.2%) 0.00 301
    2021-09-01 $314,900 (38.7%) $544,250 (16.0%) 0.00 319
    2021-10-01 $326,250 (39.1%) $552,873 (14.3%) 0.00 281
    2021-11-01 $310,824 (30.9%) $548,325 (9.8%) 0.00 277
    2021-12-01 $304,248 (30.9%) $526,171 (9.4%) 0.00 267
    2022-01-01 $309,000 (34.7%) $515,777 (12.1%) 0.00 245
    2022-02-01 $342,450 (39.8%) $607,833 (23.3%) 0.00 196
    2022-03-01 $379,750 (42.1%) $707,606 (52.9%) 0.00 203
    2022-04-01 $375,000 (34.9%) $709,613 (45.6%) 0.00 226
    2022-05-01 $377,000 (30.5%) $742,269 (43.8%) 0.00 275
    2022-06-01 $383,000 (30.1%) $777,169 (32.7%) 0.00 348
    2022-07-01 $399,000 (33.0%) $776,563 (34.2%) 0.00 416
    2022-08-01 $388,938 (8.3%) $748,006 (28.0%) 0.00 475
    2022-09-01 $394,562 (25.3%) $758,353 (39.3%) 0.00 489
    2022-10-01 $382,450 (17.2%) $729,232 (31.9%) 0.00 493
    2022-11-01 $374,125 (20.4%) $717,017 (30.8%) 0.00 536
    2022-12-01 $379,000 (24.6%) $732,897 (39.3%) 0.00 488
    2023-01-01 $378,250 (22.4%) $716,545 (38.9%) 0.00 441
    2023-02-01 $385,000 (12.4%) $719,971 (18.5%) 0.00 460
    2023-03-01 $388,750 (2.4%) $727,529 (2.8%) 0.00 498
    2023-04-01 $390,500 (4.1%) $714,360 (0.7%) 0.00 550
    2023-05-01 $396,975 (5.3%) $742,335 (0.0%) 0.00 602
    2023-06-01 $401,200 (4.8%) $801,845 (3.2%) 0.00 631
    2023-07-01 $415,000 (4.0%) $818,927 (5.5%) 0.00 654
    2023-08-01 $399,900 (2.8%) $763,075 (2.0%) 0.00 691
    2023-09-01 $389,000 (-1.4%) $712,536 (-6.0%) 0.00 673
    2023-10-01 $349,500 (-8.6%) $681,702 (-6.5%) 0.00 702
    2023-11-01 $349,600 (-6.6%) $660,162 (-7.9%) 0.00 700
    2023-12-01 $334,890 (-11.6%) $614,695 (-16.1%) 0.00 690
    2024-01-01 $323,470 (-14.5%) $640,944 (-10.6%) 0.00 663
    2024-02-01 $326,100 (-15.3%) $663,462 (-7.9%) 0.00 688
    2024-03-01 $365,950 (-5.9%) $696,393 (-4.3%) 0.00 739
    2024-04-01 $366,925 (-6.0%) $704,618 (-1.4%) 0.00 786
    2024-05-01 $374,700 (-5.6%) $711,115 (-4.2%) 0.00 790
    2024-06-01 $370,500 (-7.7%) $695,930 (-13.2%) 0.00 812
    2024-07-01 $381,500 (-8.1%) $695,220 (-15.1%) 0.00 839
    2024-08-01 $375,000 (-6.2%) $693,698 (-9.1%) 0.00 830
    2024-09-01 $364,125 (-6.4%) $692,610 (-2.8%) 0.00 848
    2024-10-01 $359,225 (2.8%) $680,319 (-0.2%) 0.00 827
    2024-11-01 $350,000 (0.1%) $671,019 (1.6%) 0.00 790
    2024-12-01 $343,750 (2.7%) $643,010 (4.6%) 0.00 757
    2025-01-01 $337,350 (4.3%) $592,497 (-7.6%) 0.00 715
    Athens's median listing price for 2025-01-01 was $337,350, a difference of $13,880 (4.3%) versus the prior year and $-6,400 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 $592,497, a difference of $-48,447 (-7.6%) versus the prior year and $-50,513 versus the prior month.

    For the 2025-01-01 period, Athens had 715 MLS listings, a difference of -42 listings (-6%) versus the prior month and 52 listings (8%) 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 1,979 sqft
    2018-02-01 0 days 1,960 sqft
    2018-03-01 0 days 1,994 sqft
    2018-04-01 0 days 2,000 sqft
    2018-05-01 0 days 2,001 sqft
    2018-06-01 0 days 2,000 sqft
    2018-07-01 0 days 1,961 sqft
    2018-08-01 0 days 1,906 sqft
    2018-09-01 0 days 1,827 sqft
    2018-10-01 0 days 1,808 sqft
    2018-11-01 0 days 1,794 sqft
    2018-12-01 0 days 1,770 sqft
    2019-01-01 0 days 1,800 sqft
    2019-02-01 0 days 1,833 sqft
    2019-03-01 0 days 1,901 sqft
    2019-04-01 0 days 1,902 sqft
    2019-05-01 0 days 1,952 sqft
    2019-06-01 0 days 1,944 sqft
    2019-07-01 0 days 1,924 sqft
    2019-08-01 0 days 1,911 sqft
    2019-09-01 0 days 1,875 sqft
    2019-10-01 0 days 1,895 sqft
    2019-11-01 0 days 1,886 sqft
    2019-12-01 0 days 1,867 sqft
    2020-01-01 0 days 1,847 sqft
    2020-02-01 0 days 1,821 sqft
    2020-03-01 0 days 1,817 sqft
    2020-04-01 0 days 1,803 sqft
    2020-05-01 0 days 1,824 sqft
    2020-06-01 0 days 1,821 sqft
    2020-07-01 0 days 1,814 sqft
    2020-08-01 0 days 1,816 sqft
    2020-09-01 0 days 1,779 sqft
    2020-10-01 0 days 1,745 sqft
    2020-11-01 0 days 1,732 sqft
    2020-12-01 0 days 1,693 sqft
    2021-01-01 0 days 1,685 sqft
    2021-02-01 0 days 1,746 sqft
    2021-03-01 0 days 1,748 sqft
    2021-04-01 0 days 1,745 sqft
    2021-05-01 0 days 1,750 sqft
    2021-06-01 0 days 1,798 sqft
    2021-07-01 0 days 1,819 sqft
    2021-08-01 0 days 1,876 sqft
    2021-09-01 0 days 1,789 sqft
    2021-10-01 0 days 1,836 sqft
    2021-11-01 0 days 1,786 sqft
    2021-12-01 0 days 1,756 sqft
    2022-01-01 0 days 1,760 sqft
    2022-02-01 0 days 1,872 sqft
    2022-03-01 0 days 1,852 sqft
    2022-04-01 0 days 1,875 sqft
    2022-05-01 0 days 1,902 sqft
    2022-06-01 0 days 1,851 sqft
    2022-07-01 0 days 1,901 sqft
    2022-08-01 0 days 1,892 sqft
    2022-09-01 0 days 1,900 sqft
    2022-10-01 0 days 1,874 sqft
    2022-11-01 0 days 1,835 sqft
    2022-12-01 0 days 1,862 sqft
    2023-01-01 0 days 1,877 sqft
    2023-02-01 0 days 1,869 sqft
    2023-03-01 0 days 1,900 sqft
    2023-04-01 0 days 1,900 sqft
    2023-05-01 0 days 1,909 sqft
    2023-06-01 0 days 1,957 sqft
    2023-07-01 0 days 1,957 sqft
    2023-08-01 0 days 1,918 sqft
    2023-09-01 0 days 1,870 sqft
    2023-10-01 0 days 1,863 sqft
    2023-11-01 0 days 1,858 sqft
    2023-12-01 0 days 1,830 sqft
    2024-01-01 0 days 1,806 sqft
    2024-02-01 0 days 1,810 sqft
    2024-03-01 0 days 1,846 sqft
    2024-04-01 0 days 1,841 sqft
    2024-05-01 0 days 1,870 sqft
    2024-06-01 0 days 1,884 sqft
    2024-07-01 0 days 1,893 sqft
    2024-08-01 0 days 1,904 sqft
    2024-09-01 0 days 1,903 sqft
    2024-10-01 0 days 1,886 sqft
    2024-11-01 0 days 1,900 sqft
    2024-12-01 0 days 1,884 sqft
    2025-01-01 0 days 1,848 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 1,848 sqft. One year prior, the average listing was 1,806 sqft.