Cedartown USDA Loan Rates, Closing Costs & Stats

Cedartown, 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.

    Cedartown's 21 lenders originated 33 USDA loans during 2024. The total origination value was $7,255,000, with an average USDA loan value of $219,848.

    Cedartown USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Cedartown averaged 6.42% for the week of 2025-04-11, compared to the national average (all USDA variants) of 6.449% for the same period.

    Cedartown's average USDA mortgage closing costs are $4,617.

    The average rate for the prior week (2025-04-04) was 6.28% and one month ago for the week of 2025-03-07, the average rate was 6.55%.

    The average rate one year ago was 6.9%.

    For refis of the same type during the week of 2025-04-11, the average rate was 6.35%.

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

    Cedartown 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 Cedartown level.

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    AMERICAN PACIFIC MORTGAGE CORPORATION 6 6.71% $8,476
    CANOPY MORTGAGE, LLC 4 6.63% $7,671
    Magnolia Bank 3 6.33% $6,141
    CROSSCOUNTRY MORTGAGE, LLC 2 6.63% $9,643
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 6.75% $7,921
    Mortgage Assurance Inc. 1 6.25% $5,724
    MORTGAGE INVESTORS GROUP, INC. 1 5.50% $12,235
    NEWREZ LLC 1 6.13% $5,580
    NORWICH COMMERCIAL GROUP, INC. 1 5.75% $13,688
    PLAZA HOME MORTGAGE, INC. 1 6.75% $12,954
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.25% $12,893
    Prosperity Home Mortgage, LLC 1 6.49% $8,086
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 1 6.13% $8,571
    TOWNE MORTGAGE COMPANY 1 6.75% $10,406
    Truist 1 5.63% $5,932
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.63% $6,305
    Wolfe Financial, Inc 1 6.63% $7,762
    CARDINAL FINANCIAL 1 7.25% $4,662
    FIRST COMMUNITY MORTGAGE, INC. 1 5.75% $5,883
    Goldwater Bank, N.A. 1 6.50% $10,164
    GUARANTEED RATE, INC. 1 6.99% $6,414

    The top Cedartown USDA lender as defined by loan originations is AMERICAN PACIFIC MORTGAGE CORPORATION, with 6 USDA loans originated. Their average total fees are $8,476, which is $805 higher than the next largest lender, CANOPY MORTGAGE, LLC.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Cedartown (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 $146,175 (12.8%) $182,011 (2.6%) 0.00 132
    2018-02-01 $144,225 (8.9%) $179,949 (-6.2%) 0.00 130
    2018-03-01 $149,000 (14.6%) $197,781 (6.2%) 0.00 127
    2018-04-01 $169,900 (21.5%) $290,756 (55.0%) 0.00 113
    2018-05-01 $185,887 (24.0%) $296,363 (51.3%) 0.00 122
    2018-06-01 $175,900 (18.1%) $297,132 (58.9%) 0.00 133
    2018-07-01 $181,738 (29.9%) $313,781 (72.9%) 0.00 125
    2018-08-01 $177,908 (36.9%) $309,551 (86.5%) 0.00 136
    2018-09-01 $174,500 (29.4%) $301,174 (72.0%) 0.00 139
    2018-10-01 $152,100 (1.8%) $259,381 (32.7%) 0.00 181
    2018-11-01 $147,450 (-0.7%) $266,061 (37.7%) 0.00 169
    2018-12-01 $147,400 (1.0%) $269,423 (43.0%) 0.00 151
    2019-01-01 $139,900 (-4.3%) $268,188 (47.4%) 0.00 149
    2019-02-01 $160,641 (11.4%) $311,346 (73.0%) 0.00 123
    2019-03-01 $149,147 (0.1%) $301,944 (52.7%) 0.00 125
    2019-04-01 $133,900 (-21.2%) $270,615 (-6.9%) 0.00 128
    2019-05-01 $134,425 (-27.7%) $252,505 (-14.8%) 0.00 147
    2019-06-01 $132,250 (-24.8%) $245,802 (-17.3%) 0.00 141
    2019-07-01 $143,000 (-21.3%) $250,416 (-20.2%) 0.00 148
    2019-08-01 $139,091 (-21.8%) $253,347 (-18.2%) 0.00 149
    2019-09-01 $145,227 (-16.8%) $254,543 (-15.5%) 0.00 147
    2019-10-01 $166,723 (9.6%) $290,273 (11.9%) 0.00 131
    2019-11-01 $185,500 (25.8%) $311,865 (17.2%) 0.00 119
    2019-12-01 $191,775 (30.1%) $305,890 (13.5%) 0.00 124
    2020-01-01 $193,330 (38.2%) $313,228 (16.8%) 0.00 116
    2020-02-01 $185,858 (15.7%) $319,283 (2.6%) 0.00 104
    2020-03-01 $173,650 (16.4%) $306,332 (1.5%) 0.00 99
    2020-04-01 $169,900 (26.9%) $300,082 (10.9%) 0.00 91
    2020-05-01 $179,900 (33.8%) $330,940 (31.1%) 0.00 66
    2020-06-01 $189,900 (43.6%) $348,089 (41.6%) 0.00 65
    2020-07-01 $192,100 (34.3%) $370,517 (48.0%) 0.00 52
    2020-08-01 $189,900 (36.5%) $353,864 (39.7%) 0.00 54
    2020-09-01 $223,662 (54.0%) $416,662 (63.7%) 0.00 51
    2020-10-01 $220,000 (32.0%) $387,090 (33.4%) 0.00 63
    2020-11-01 $197,400 (6.4%) $363,255 (16.5%) 0.00 73
    2020-12-01 $199,950 (4.3%) $377,107 (23.3%) 0.00 70
    2021-01-01 $215,000 (11.2%) $397,001 (26.8%) 0.00 63
    2021-02-01 $259,700 (39.7%) $415,424 (30.1%) 0.00 53
    2021-03-01 $246,175 (41.8%) $433,808 (41.6%) 0.00 40
    2021-04-01 $199,500 (17.4%) $447,128 (49.0%) 0.00 44
    2021-05-01 $214,900 (19.5%) $482,804 (45.9%) 0.00 48
    2021-06-01 $209,925 (10.6%) $458,666 (31.8%) 0.00 54
    2021-07-01 $217,500 (13.2%) $517,804 (39.8%) 0.00 51
    2021-08-01 $216,225 (13.9%) $511,380 (44.5%) 0.00 60
    2021-09-01 $205,550 (-8.1%) $474,156 (13.8%) 0.00 62
    2021-10-01 $212,450 (-3.4%) $471,777 (21.9%) 0.00 58
    2021-11-01 $219,900 (11.4%) $462,583 (27.3%) 0.00 60
    2021-12-01 $218,475 (9.3%) $443,982 (17.7%) 0.00 67
    2022-01-01 $247,500 (15.1%) $378,373 (-4.7%) 0.00 58
    2022-02-01 $259,900 (0.1%) $370,251 (-10.9%) 0.00 47
    2022-03-01 $276,375 (12.3%) $362,001 (-16.6%) 0.00 50
    2022-04-01 $275,450 (38.1%) $372,134 (-16.8%) 0.00 47
    2022-05-01 $289,675 (34.8%) $370,195 (-23.3%) 0.00 54
    2022-06-01 $281,200 (34.0%) $364,637 (-20.5%) 0.00 76
    2022-07-01 $279,950 (28.7%) $380,187 (-26.6%) 0.00 84
    2022-08-01 $284,450 (31.6%) $357,388 (-30.1%) 0.00 99
    2022-09-01 $277,225 (34.9%) $351,625 (-25.8%) 0.00 102
    2022-10-01 $269,000 (26.6%) $336,072 (-28.8%) 0.00 102
    2022-11-01 $274,700 (24.9%) $358,854 (-22.4%) 0.00 100
    2022-12-01 $271,750 (24.4%) $358,790 (-19.2%) 0.00 92
    2023-01-01 $272,000 (9.9%) $371,014 (-2.0%) 0.00 85
    2023-02-01 $258,225 (-0.6%) $360,745 (-2.6%) 0.00 69
    2023-03-01 $259,913 (-6.0%) $354,304 (-2.1%) 0.00 67
    2023-04-01 $299,900 (8.9%) $474,430 (27.5%) 0.00 82
    2023-05-01 $299,925 (3.5%) $499,030 (34.8%) 0.00 76
    2023-06-01 $309,563 (10.1%) $496,307 (36.1%) 0.00 81
    2023-07-01 $304,725 (8.9%) $458,209 (20.5%) 0.00 93
    2023-08-01 $294,875 (3.7%) $394,775 (10.5%) 0.00 95
    2023-09-01 $299,950 (8.2%) $443,803 (26.2%) 0.00 92
    2023-10-01 $314,450 (16.9%) $427,434 (27.2%) 0.00 114
    2023-11-01 $310,000 (12.9%) $424,948 (18.4%) 0.00 118
    2023-12-01 $315,900 (16.3%) $429,103 (19.6%) 0.00 115
    2024-01-01 $304,950 (12.1%) $426,353 (14.9%) 0.00 107
    2024-02-01 $299,750 (16.1%) $351,786 (-2.5%) 0.00 95
    2024-03-01 $298,000 (14.7%) $355,494 (0.3%) 0.00 89
    2024-04-01 $304,750 (1.6%) $363,101 (-23.5%) 0.00 101
    2024-05-01 $302,450 (0.8%) $370,636 (-25.7%) 0.00 112
    2024-06-01 $299,900 (-3.1%) $362,306 (-27.0%) 0.00 103
    2024-07-01 $279,325 (-8.3%) $332,388 (-27.5%) 0.00 112
    2024-08-01 $279,900 (-5.1%) $332,361 (-15.8%) 0.00 130
    2024-09-01 $282,450 (-5.8%) $328,700 (-25.9%) 0.00 154
    2024-10-01 $285,450 (-9.2%) $327,075 (-23.5%) 0.00 153
    2024-11-01 $285,000 (-8.1%) $333,423 (-21.5%) 0.00 166
    2024-12-01 $289,925 (-8.2%) $341,068 (-20.5%) 0.00 149
    2025-01-01 $293,450 (-3.8%) $351,180 (-17.6%) 0.00 137
    2025-02-01 $299,450 (-0.1%) $356,003 (1.2%) 0.00 128
    2025-03-01 $299,900 (0.6%) $353,346 (-0.6%) 0.00 118
    Cedartown's median listing price for 2025-03-01 was $299,900, a difference of $1,900 (0.6%) versus the prior year and $450 versus the prior month.

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

    Cedartown's average listing price for 2025-03-01 was $353,346, a difference of $-2,148 (-0.6%) versus the prior year and $-2,657 versus the prior month.

    For the 2025-03-01 period, Cedartown had 118 MLS listings, a difference of -10 listings (-8%) versus the prior month and 29 listings (33%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Cedartown (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,797 sqft
    2018-02-01 0 days 1,794 sqft
    2018-03-01 0 days 1,734 sqft
    2018-04-01 0 days 1,725 sqft
    2018-05-01 0 days 1,879 sqft
    2018-06-01 0 days 1,916 sqft
    2018-07-01 0 days 1,939 sqft
    2018-08-01 0 days 1,890 sqft
    2018-09-01 0 days 1,790 sqft
    2018-10-01 0 days 1,731 sqft
    2018-11-01 0 days 1,708 sqft
    2018-12-01 0 days 1,707 sqft
    2019-01-01 0 days 1,800 sqft
    2019-02-01 0 days 1,813 sqft
    2019-03-01 0 days 1,811 sqft
    2019-04-01 0 days 1,802 sqft
    2019-05-01 0 days 1,822 sqft
    2019-06-01 0 days 1,824 sqft
    2019-07-01 0 days 1,909 sqft
    2019-08-01 0 days 1,879 sqft
    2019-09-01 0 days 1,830 sqft
    2019-10-01 0 days 1,841 sqft
    2019-11-01 0 days 2,064 sqft
    2019-12-01 0 days 1,928 sqft
    2020-01-01 0 days 1,918 sqft
    2020-02-01 0 days 1,922 sqft
    2020-03-01 0 days 1,897 sqft
    2020-04-01 0 days 1,888 sqft
    2020-05-01 0 days 1,913 sqft
    2020-06-01 0 days 2,027 sqft
    2020-07-01 0 days 2,346 sqft
    2020-08-01 0 days 2,199 sqft
    2020-09-01 0 days 2,040 sqft
    2020-10-01 0 days 2,160 sqft
    2020-11-01 0 days 1,938 sqft
    2020-12-01 0 days 1,949 sqft
    2021-01-01 0 days 1,901 sqft
    2021-02-01 0 days 1,952 sqft
    2021-03-01 0 days 1,934 sqft
    2021-04-01 0 days 1,866 sqft
    2021-05-01 0 days 1,807 sqft
    2021-06-01 0 days 1,523 sqft
    2021-07-01 0 days 1,843 sqft
    2021-08-01 0 days 1,775 sqft
    2021-09-01 0 days 1,685 sqft
    2021-10-01 0 days 1,710 sqft
    2021-11-01 0 days 1,668 sqft
    2021-12-01 0 days 1,762 sqft
    2022-01-01 0 days 1,893 sqft
    2022-02-01 0 days 1,793 sqft
    2022-03-01 0 days 1,818 sqft
    2022-04-01 0 days 1,776 sqft
    2022-05-01 0 days 1,761 sqft
    2022-06-01 0 days 1,770 sqft
    2022-07-01 0 days 1,743 sqft
    2022-08-01 0 days 1,743 sqft
    2022-09-01 0 days 1,739 sqft
    2022-10-01 0 days 1,708 sqft
    2022-11-01 0 days 1,708 sqft
    2022-12-01 0 days 1,797 sqft
    2023-01-01 0 days 1,839 sqft
    2023-02-01 0 days 1,720 sqft
    2023-03-01 0 days 1,603 sqft
    2023-04-01 0 days 1,730 sqft
    2023-05-01 0 days 1,722 sqft
    2023-06-01 0 days 1,755 sqft
    2023-07-01 0 days 1,774 sqft
    2023-08-01 0 days 1,743 sqft
    2023-09-01 0 days 1,785 sqft
    2023-10-01 0 days 1,797 sqft
    2023-11-01 0 days 1,780 sqft
    2023-12-01 0 days 1,763 sqft
    2024-01-01 0 days 1,746 sqft
    2024-02-01 0 days 1,744 sqft
    2024-03-01 0 days 1,750 sqft
    2024-04-01 0 days 1,765 sqft
    2024-05-01 0 days 1,768 sqft
    2024-06-01 0 days 1,750 sqft
    2024-07-01 0 days 1,771 sqft
    2024-08-01 0 days 1,767 sqft
    2024-09-01 0 days 1,688 sqft
    2024-10-01 0 days 1,701 sqft
    2024-11-01 0 days 1,600 sqft
    2024-12-01 0 days 1,698 sqft
    2025-01-01 0 days 1,735 sqft
    2025-02-01 0 days 1,770 sqft
    2025-03-01 0 days 1,796 sqft
    Cedartown's median listing age (time on market) for 2025-03-01 was 0 days.

    Cedartown's median square footage for active listings during the 2025-03-01 period was 1,796 sqft. One year prior, the average listing was 1,750 sqft.