Calhoun USDA Loan Rates, Closing Costs & Stats

Calhoun, GA

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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.

    Calhoun's 17 lenders originated 29 USDA loans during 2023. The total origination value was $6,325,000, with an average USDA loan value of $218,103.

    Calhoun USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Calhoun averaged 6.42% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Calhoun's average USDA mortgage closing costs are $5,044.

    The average rate for the prior week (2025-02-07) was 6.38% and one month ago for the week of 2025-01-10, the average rate was 6.32%.

    The average rate one year ago was 6.41%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.33%.

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

    Calhoun 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 Calhoun level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    HOMESTAR FINANCIAL CORPORATION 4 6.59% $4,498
    SWBC MORTGAGE CORPORATION 4 6.72% $4,425
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 3 7.08% $8,730
    BANKSOUTH MORTGAGE COMPANY, LLC 2 6.37% $12,706
    HOMESPIRE MORTGAGE CORPORATION 1 7.13% $7,407
    MOVEMENT MORTGAGE, LLC 1 5.75% $7,624
    Northpointe Bank 1 5.75% $7,557
    PLAZA HOME MORTGAGE, INC. 1 5.50% $10,340
    Renasant Bank 1 6.50% $6,118
    Synovus Bank 1 6.13% $9,348
    TJC Mortgage, Inc. 1 6.88% $7,874
    UNITED WHOLESALE MORTGAGE, LLC 1 5.88% $6,456
    ACOPIA, LLC 1 6.49% $8,750
    Wells Fargo Bank 1 5.88% $9,389
    Encompass Lending Group, LP 1 6.88% $9,349
    FirstBank 1 6.50% $7,604
    GUARANTEED RATE, INC. 1 6.20% $5,228

    The top Calhoun USDA lender as defined by loan originations is HOMESTAR FINANCIAL CORPORATION, with 4 USDA loans originated. Their average total fees are $4,498, which is $73 higher than the next largest lender, SWBC MORTGAGE CORPORATION.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Calhoun (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 $170,675 (0.5%) $301,899 (1.6%) 0.00 161
    2018-02-01 $164,750 (-4.9%) $312,015 (2.6%) 0.00 159
    2018-03-01 $156,445 (-13.0%) $285,880 (-9.8%) 0.00 190
    2018-04-01 $162,240 (-9.8%) $273,550 (-18.2%) 0.00 168
    2018-05-01 $171,198 (-6.1%) $272,167 (-17.6%) 0.00 170
    2018-06-01 $174,950 (-5.4%) $276,463 (-16.5%) 0.00 172
    2018-07-01 $177,450 (-2.7%) $272,827 (-18.4%) 0.00 176
    2018-08-01 $177,450 (-9.1%) $263,344 (-23.8%) 0.00 197
    2018-09-01 $179,900 (-7.7%) $271,673 (-24.0%) 0.00 172
    2018-10-01 $176,450 (-5.8%) $333,589 (-4.3%) 0.00 219
    2018-11-01 $173,400 (-6.2%) $332,947 (-2.2%) 0.00 221
    2018-12-01 $174,900 (-2.8%) $329,148 (9.9%) 0.00 230
    2019-01-01 $172,900 (1.3%) $321,849 (6.6%) 0.00 224
    2019-02-01 $179,900 (9.2%) $334,709 (7.3%) 0.00 221
    2019-03-01 $171,329 (9.5%) $306,890 (7.4%) 0.00 263
    2019-04-01 $159,900 (-1.4%) $263,426 (-3.7%) 0.00 313
    2019-05-01 $159,945 (-6.6%) $264,966 (-2.7%) 0.00 320
    2019-06-01 $159,990 (-8.6%) $267,920 (-3.1%) 0.00 308
    2019-07-01 $167,490 (-5.6%) $274,055 (0.5%) 0.00 314
    2019-08-01 $169,140 (-4.7%) $252,141 (-4.3%) 0.00 291
    2019-09-01 $168,001 (-6.6%) $230,268 (-15.2%) 0.00 269
    2019-10-01 $175,184 (-0.7%) $233,927 (-29.9%) 0.00 221
    2019-11-01 $186,450 (7.5%) $248,241 (-25.4%) 0.00 186
    2019-12-01 $184,493 (5.5%) $240,057 (-27.1%) 0.00 180
    2020-01-01 $180,946 (4.7%) $243,835 (-24.2%) 0.00 166
    2020-02-01 $194,900 (8.3%) $240,821 (-28.1%) 0.00 146
    2020-03-01 $194,400 (13.5%) $252,776 (-17.6%) 0.00 124
    2020-04-01 $208,475 (30.4%) $275,394 (4.5%) 0.00 120
    2020-05-01 $199,900 (25.0%) $277,488 (4.7%) 0.00 104
    2020-06-01 $211,638 (32.3%) $296,265 (10.6%) 0.00 90
    2020-07-01 $206,925 (23.5%) $304,075 (11.0%) 0.00 78
    2020-08-01 $207,450 (22.7%) $315,179 (25.0%) 0.00 72
    2020-09-01 $221,900 (32.1%) $313,225 (36.0%) 0.00 84
    2020-10-01 $224,900 (28.4%) $323,679 (38.4%) 0.00 82
    2020-11-01 $213,450 (14.5%) $309,807 (24.8%) 0.00 96
    2020-12-01 $227,350 (23.2%) $316,446 (31.8%) 0.00 89
    2021-01-01 $224,900 (24.3%) $341,157 (39.9%) 0.00 78
    2021-02-01 $239,900 (23.1%) $391,349 (62.5%) 0.00 56
    2021-03-01 $238,675 (22.8%) $416,924 (64.9%) 0.00 56
    2021-04-01 $228,880 (9.8%) $375,784 (36.5%) 0.00 64
    2021-05-01 $247,450 (23.8%) $420,607 (51.6%) 0.00 57
    2021-06-01 $257,070 (21.5%) $394,630 (33.2%) 0.00 72
    2021-07-01 $252,439 (22.0%) $400,891 (31.8%) 0.00 81
    2021-08-01 $281,225 (35.6%) $406,225 (28.9%) 0.00 102
    2021-09-01 $254,500 (14.7%) $392,687 (25.4%) 0.00 116
    2021-10-01 $254,750 (13.3%) $392,186 (21.2%) 0.00 111
    2021-11-01 $269,950 (26.5%) $410,703 (32.6%) 0.00 97
    2021-12-01 $283,474 (24.7%) $446,137 (41.0%) 0.00 74
    2022-01-01 $284,900 (26.7%) $461,044 (35.1%) 0.00 60
    2022-02-01 $284,900 (18.8%) $542,905 (38.7%) 0.00 58
    2022-03-01 $289,950 (21.5%) $526,829 (26.4%) 0.00 56
    2022-04-01 $282,450 (23.4%) $489,393 (30.2%) 0.00 64
    2022-05-01 $283,450 (14.6%) $466,951 (11.0%) 0.00 78
    2022-06-01 $295,900 (15.1%) $471,340 (19.4%) 0.00 94
    2022-07-01 $294,967 (16.9%) $438,150 (9.3%) 0.00 114
    2022-08-01 $292,367 (4.0%) $440,173 (8.4%) 0.00 104
    2022-09-01 $295,905 (16.3%) $440,054 (12.1%) 0.00 121
    2022-10-01 $293,860 (15.4%) $426,060 (8.6%) 0.00 151
    2022-11-01 $292,720 (8.4%) $429,315 (4.5%) 0.00 152
    2022-12-01 $295,039 (4.1%) $419,778 (-5.9%) 0.00 147
    2023-01-01 $293,967 (3.2%) $417,271 (-9.5%) 0.00 135
    2023-02-01 $297,000 (4.3%) $424,996 (-21.7%) 0.00 127
    2023-03-01 $297,039 (2.4%) $437,461 (-17.0%) 0.00 116
    2023-04-01 $297,039 (5.2%) $449,083 (-8.2%) 0.00 109
    2023-05-01 $298,070 (5.2%) $463,600 (-0.7%) 0.00 105
    2023-06-01 $290,885 (-1.7%) $473,069 (0.4%) 0.00 111
    2023-07-01 $305,000 (3.4%) $467,589 (6.7%) 0.00 110
    2023-08-01 $307,380 (5.1%) $487,850 (10.8%) 0.00 107
    2023-09-01 $324,900 (9.8%) $480,605 (9.2%) 0.00 111
    2023-10-01 $291,950 (-0.7%) $393,130 (-7.7%) 0.00 113
    2023-11-01 $305,950 (4.5%) $396,698 (-7.6%) 0.00 113
    2023-12-01 $322,200 (9.2%) $413,259 (-1.6%) 0.00 121
    2024-01-01 $306,250 (4.2%) $401,440 (-3.8%) 0.00 107
    2024-02-01 $321,150 (8.1%) $407,722 (-4.1%) 0.00 105
    2024-03-01 $329,900 (11.1%) $424,709 (-2.9%) 0.00 101
    2024-04-01 $335,975 (13.1%) $432,332 (-3.7%) 0.00 109
    2024-05-01 $329,450 (10.5%) $427,543 (-7.8%) 0.00 122
    2024-06-01 $347,000 (19.3%) $445,935 (-5.7%) 0.00 148
    2024-07-01 $349,950 (14.7%) $476,882 (2.0%) 0.00 162
    2024-08-01 $342,500 (11.4%) $475,130 (-2.6%) 0.00 160
    2024-09-01 $327,475 (0.8%) $455,311 (-5.3%) 0.00 170
    2024-10-01 $320,275 (9.7%) $439,923 (11.9%) 0.00 187
    2024-11-01 $334,900 (9.5%) $433,866 (9.4%) 0.00 197
    2024-12-01 $316,725 (-1.7%) $409,772 (-0.8%) 0.00 184
    2025-01-01 $313,750 (2.5%) $416,204 (3.7%) 0.00 176
    Calhoun's median listing price for 2025-01-01 was $313,750, a difference of $7,500 (2.5%) versus the prior year and $-2,975 versus the prior month.

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

    Calhoun's average listing price for 2025-01-01 was $416,204, a difference of $14,764 (3.7%) versus the prior year and $6,432 versus the prior month.

    For the 2025-01-01 period, Calhoun had 176 MLS listings, a difference of -8 listings (-4%) versus the prior month and 69 listings (64%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Calhoun (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,839 sqft
    2018-02-01 0 days 1,805 sqft
    2018-03-01 0 days 1,805 sqft
    2018-04-01 0 days 1,830 sqft
    2018-05-01 0 days 1,896 sqft
    2018-06-01 0 days 1,980 sqft
    2018-07-01 0 days 1,949 sqft
    2018-08-01 0 days 1,878 sqft
    2018-09-01 0 days 1,995 sqft
    2018-10-01 0 days 1,939 sqft
    2018-11-01 0 days 1,943 sqft
    2018-12-01 0 days 1,918 sqft
    2019-01-01 0 days 1,918 sqft
    2019-02-01 0 days 2,038 sqft
    2019-03-01 0 days 2,023 sqft
    2019-04-01 0 days 1,994 sqft
    2019-05-01 0 days 2,023 sqft
    2019-06-01 0 days 2,087 sqft
    2019-07-01 0 days 2,047 sqft
    2019-08-01 0 days 2,038 sqft
    2019-09-01 0 days 2,018 sqft
    2019-10-01 0 days 2,004 sqft
    2019-11-01 0 days 2,006 sqft
    2019-12-01 0 days 1,938 sqft
    2020-01-01 0 days 1,975 sqft
    2020-02-01 0 days 1,884 sqft
    2020-03-01 0 days 1,964 sqft
    2020-04-01 0 days 2,070 sqft
    2020-05-01 0 days 1,873 sqft
    2020-06-01 0 days 1,974 sqft
    2020-07-01 0 days 1,964 sqft
    2020-08-01 0 days 1,825 sqft
    2020-09-01 0 days 2,000 sqft
    2020-10-01 0 days 2,010 sqft
    2020-11-01 0 days 1,899 sqft
    2020-12-01 0 days 1,846 sqft
    2021-01-01 0 days 1,928 sqft
    2021-02-01 0 days 2,032 sqft
    2021-03-01 0 days 2,093 sqft
    2021-04-01 0 days 1,929 sqft
    2021-05-01 0 days 1,869 sqft
    2021-06-01 0 days 1,989 sqft
    2021-07-01 0 days 2,079 sqft
    2021-08-01 0 days 2,101 sqft
    2021-09-01 0 days 1,922 sqft
    2021-10-01 0 days 1,932 sqft
    2021-11-01 0 days 1,932 sqft
    2021-12-01 0 days 1,952 sqft
    2022-01-01 0 days 2,003 sqft
    2022-02-01 0 days 1,893 sqft
    2022-03-01 0 days 1,906 sqft
    2022-04-01 0 days 1,881 sqft
    2022-05-01 0 days 1,708 sqft
    2022-06-01 0 days 1,947 sqft
    2022-07-01 0 days 2,058 sqft
    2022-08-01 0 days 2,014 sqft
    2022-09-01 0 days 1,883 sqft
    2022-10-01 0 days 1,920 sqft
    2022-11-01 0 days 1,852 sqft
    2022-12-01 0 days 1,941 sqft
    2023-01-01 0 days 1,945 sqft
    2023-02-01 0 days 1,869 sqft
    2023-03-01 0 days 1,978 sqft
    2023-04-01 0 days 1,935 sqft
    2023-05-01 0 days 1,918 sqft
    2023-06-01 0 days 1,860 sqft
    2023-07-01 0 days 1,869 sqft
    2023-08-01 0 days 1,850 sqft
    2023-09-01 0 days 1,888 sqft
    2023-10-01 0 days 1,846 sqft
    2023-11-01 0 days 1,853 sqft
    2023-12-01 0 days 1,867 sqft
    2024-01-01 0 days 1,851 sqft
    2024-02-01 0 days 1,851 sqft
    2024-03-01 0 days 1,853 sqft
    2024-04-01 0 days 1,831 sqft
    2024-05-01 0 days 1,829 sqft
    2024-06-01 0 days 1,887 sqft
    2024-07-01 0 days 1,923 sqft
    2024-08-01 0 days 1,887 sqft
    2024-09-01 0 days 1,892 sqft
    2024-10-01 0 days 1,854 sqft
    2024-11-01 0 days 1,848 sqft
    2024-12-01 0 days 1,802 sqft
    2025-01-01 0 days 1,829 sqft
    Calhoun's median listing age (time on market) for 2025-01-01 was 0 days.

    Calhoun's median square footage for active listings during the 2025-01-01 period was 1,829 sqft. One year prior, the average listing was 1,851 sqft.