Columbus USDA Loan Rates, Closing Costs & Stats
COLUMBUS, GA-AL
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.
Columbus's 10 lenders originated 13 USDA loans during 2024. The total origination value was $2,805,000, with an average USDA loan value of $215,769.
Columbus USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Columbus
averaged
0.26%
for the week of 2025-07-04, compared to the national average (all USDA variants) of
0% for the same period.
Columbus's average USDA mortgage closing costs are $5,198.
The average rate for the prior week (2025-06-27) was
6.7% and
one month ago for the week of 2025-05-30, the
average rate was 6.68%.
The average rate one year ago was 6.68%.
For refis of the same type during the week of 2025-07-04, the average rate
was -0.3%.
Columbus 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 Columbus level.
| Name | # of Loans | 2024 Avg. 30yFix Rate | 2024 Avg. Closing Costs |
|---|---|---|---|
| UNITED WHOLESALE MORTGAGE, LLC | 2 | 6.25% | $7,133 |
| CMG MORTGAGE, INC. | 2 | 6.50% | $10,041 |
| GUILD MORTGAGE COMPANY | 2 | 6.31% | $7,130 |
| Equity Prime Mortgage LLC | 1 | 5.63% | $6,403 |
| GUARANTY MORTGAGE SERVICES, L.L.C. | 1 | 6.25% | $16,129 |
| ARK-LA-TEX FINANCIAL SERVICES, LLC. | 1 | 6.63% | $10,351 |
| MORTGAGE INVESTORS GROUP, INC. | 1 | 5.25% | $11,455 |
| Renasant Bank | 1 | 6.25% | $1,667 |
| BROKER SOLUTIONS, INC. | 1 | 6.63% | $5,196 |
| Synovus Bank | 1 | 6.25% | $5,746 |
The top Columbus USDA lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with
2 USDA loans originated. Their average total fees are
$7,133, which is $2,907
lower than the next largest lender,
CMG MORTGAGE, INC..
The lowest fee Columbus USDA lenders (with over 10 loans originated) are
.
The lowest rate Columbus USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Columbus (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 | $158,998 (11.3%) | $205,672 (12.9%) | 0.59 | 1,475 |
| 2018-02-01 | $158,495 (9.3%) | $204,442 (11.0%) | 0.58 | 1,478 |
| 2018-03-01 | $159,250 (6.2%) | $206,837 (10.8%) | 0.56 | 1,485 |
| 2018-04-01 | $162,540 (6.3%) | $211,363 (12.0%) | 0.55 | 1,512 |
| 2018-05-01 | $164,000 (5.9%) | $212,095 (10.7%) | 0.55 | 1,529 |
| 2018-06-01 | $159,900 (3.2%) | $204,182 (5.4%) | 0.53 | 1,550 |
| 2018-07-01 | $158,945 (2.6%) | $204,853 (4.4%) | 0.53 | 1,556 |
| 2018-08-01 | $157,225 (1.4%) | $200,503 (1.7%) | 0.53 | 1,567 |
| 2018-09-01 | $160,000 (3.2%) | $205,004 (1.7%) | 0.54 | 1,536 |
| 2018-10-01 | $159,950 (3.6%) | $206,498 (3.2%) | 0.54 | 1,531 |
| 2018-11-01 | $159,250 (1.8%) | $208,245 (3.9%) | 0.54 | 1,533 |
| 2018-12-01 | $159,945 (2.6%) | $210,405 (4.0%) | 0.55 | 1,538 |
| 2019-01-01 | $160,000 (0.6%) | $212,552 (3.3%) | 0.55 | 1,439 |
| 2019-02-01 | $164,760 (4.0%) | $212,924 (4.2%) | 0.56 | 1,427 |
| 2019-03-01 | $164,957 (3.6%) | $218,986 (5.9%) | 0.54 | 1,327 |
| 2019-04-01 | $164,328 (1.1%) | $223,096 (5.6%) | 0.52 | 1,261 |
| 2019-05-01 | $162,945 (-0.6%) | $227,134 (7.1%) | 0.51 | 1,223 |
| 2019-06-01 | $165,000 (3.2%) | $227,857 (11.6%) | 0.52 | 1,203 |
| 2019-07-01 | $167,030 (5.1%) | $232,270 (13.4%) | 0.52 | 1,114 |
| 2019-08-01 | $176,685 (12.4%) | $237,297 (18.4%) | 0.56 | 1,084 |
| 2019-09-01 | $179,286 (12.1%) | $240,695 (17.4%) | 0.57 | 1,076 |
| 2019-10-01 | $185,630 (16.1%) | $245,604 (18.9%) | 0.60 | 1,070 |
| 2019-11-01 | $189,900 (19.3%) | $247,451 (18.8%) | 0.62 | 1,046 |
| 2019-12-01 | $186,875 (16.8%) | $247,465 (17.6%) | 0.62 | 1,016 |
| 2020-01-01 | $183,900 (14.9%) | $246,573 (16.0%) | 0.61 | 965 |
| 2020-02-01 | $189,800 (15.2%) | $252,106 (18.4%) | 0.62 | 918 |
| 2020-03-01 | $181,968 (10.3%) | $246,877 (12.7%) | 0.57 | 871 |
| 2020-04-01 | $179,200 (9.1%) | $243,952 (9.4%) | 0.56 | 867 |
| 2020-05-01 | $179,900 (10.4%) | $249,099 (9.7%) | 0.55 | 764 |
| 2020-06-01 | $199,900 (21.2%) | $262,240 (15.1%) | 0.59 | 685 |
| 2020-07-01 | $199,700 (19.6%) | $261,736 (12.7%) | 0.58 | 618 |
| 2020-08-01 | $201,300 (13.9%) | $268,837 (13.3%) | 0.58 | 562 |
| 2020-09-01 | $192,450 (7.3%) | $288,736 (20.0%) | 0.55 | 483 |
| 2020-10-01 | $195,079 (5.1%) | $288,135 (17.3%) | 0.56 | 501 |
| 2020-11-01 | $194,290 (2.3%) | $275,809 (11.5%) | 0.57 | 521 |
| 2020-12-01 | $179,950 (-3.7%) | $272,599 (10.2%) | 0.54 | 509 |
| 2021-01-01 | $194,700 (5.9%) | $280,207 (13.6%) | 0.58 | 455 |
| 2021-02-01 | $189,975 (0.1%) | $272,361 (8.0%) | 0.55 | 430 |
| 2021-03-01 | $187,950 (3.3%) | $273,355 (10.7%) | 0.53 | 389 |
| 2021-04-01 | $192,000 (7.1%) | $286,775 (17.6%) | 0.52 | 366 |
| 2021-05-01 | $189,900 (5.6%) | $275,434 (10.6%) | 0.50 | 368 |
| 2021-06-01 | $184,950 (-7.5%) | $271,187 (3.4%) | 0.49 | 394 |
| 2021-07-01 | $185,000 (-7.4%) | $281,282 (7.5%) | 0.49 | 482 |
| 2021-08-01 | $188,700 (-6.3%) | $279,126 (3.8%) | 0.50 | 496 |
| 2021-09-01 | $189,900 (-1.3%) | $292,264 (1.2%) | 0.51 | 522 |
| 2021-10-01 | $189,900 (-2.7%) | $284,066 (-1.4%) | 0.51 | 521 |
| 2021-11-01 | $186,850 (-3.8%) | $286,837 (4.0%) | 0.50 | 536 |
| 2021-12-01 | $189,450 (5.3%) | $296,387 (8.7%) | 0.51 | 436 |
| 2022-01-01 | $187,900 (-3.5%) | $318,215 (13.6%) | 0.51 | 356 |
| 2022-02-01 | $183,625 (-3.3%) | $316,498 (16.2%) | 0.48 | 328 |
| 2022-03-01 | $185,250 (-1.4%) | $308,961 (13.0%) | 0.46 | 331 |
| 2022-04-01 | $174,950 (-8.9%) | $276,442 (-3.6%) | 0.42 | 356 |
| 2022-05-01 | $200,475 (5.6%) | $280,407 (1.8%) | 0.46 | 411 |
| 2022-06-01 | $227,950 (23.3%) | $299,125 (10.3%) | 0.51 | 464 |
| 2022-07-01 | $235,000 (27.0%) | $299,869 (6.6%) | 0.53 | 537 |
| 2022-08-01 | $219,925 (16.6%) | $336,478 (20.6%) | 0.51 | 547 |
| 2022-09-01 | $221,700 (16.8%) | $336,105 (15.0%) | 0.52 | 553 |
| 2022-10-01 | $229,950 (21.1%) | $300,924 (5.9%) | 0.54 | 601 |
| 2022-11-01 | $232,400 (24.4%) | $294,109 (2.5%) | 0.56 | 588 |
| 2022-12-01 | $225,000 (18.8%) | $294,219 (-0.7%) | 0.56 | 531 |
| 2023-01-01 | $230,375 (22.6%) | $348,604 (9.6%) | 0.57 | 438 |
| 2023-02-01 | $215,000 (17.1%) | $341,756 (8.0%) | 0.52 | 420 |
| 2023-03-01 | $224,975 (21.4%) | $355,085 (14.9%) | 0.53 | 402 |
| 2023-04-01 | $246,000 (40.6%) | $379,317 (37.2%) | 0.57 | 395 |
| 2023-05-01 | $275,250 (37.3%) | $382,414 (36.4%) | 0.62 | 410 |
| 2023-06-01 | $270,138 (18.5%) | $386,157 (29.1%) | 0.61 | 415 |
| 2023-07-01 | $270,500 (15.1%) | $376,858 (25.7%) | 0.61 | 422 |
| 2023-08-01 | $276,725 (25.8%) | $374,338 (11.3%) | 0.64 | 446 |
| 2023-09-01 | $269,900 (21.7%) | $349,777 (4.1%) | 0.63 | 536 |
| 2023-10-01 | $267,250 (16.2%) | $343,849 (14.3%) | 0.63 | 570 |
| 2023-11-01 | $259,950 (11.9%) | $316,600 (7.7%) | 0.62 | 602 |
| 2023-12-01 | $254,950 (13.3%) | $320,234 (8.8%) | 0.62 | 592 |
| 2024-01-01 | $242,500 (5.3%) | $322,860 (-7.4%) | 0.59 | 542 |
| 2024-02-01 | $242,425 (12.8%) | $330,030 (-3.4%) | 0.58 | 533 |
| 2024-03-01 | $245,000 (8.9%) | $340,775 (-4.0%) | 0.58 | 518 |
| 2024-04-01 | $247,700 (0.7%) | $343,807 (-9.4%) | 0.58 | 509 |
| 2024-05-01 | $257,500 (-6.5%) | $333,421 (-12.8%) | 0.59 | 543 |
| 2024-06-01 | $265,000 (-1.9%) | $340,060 (-11.9%) | 0.60 | 568 |
| 2024-07-01 | $257,725 (-4.7%) | $342,433 (-9.1%) | 0.59 | 580 |
| 2024-08-01 | $255,000 (-7.9%) | $337,443 (-9.9%) | 0.59 | 639 |
| 2024-09-01 | $266,250 (-1.4%) | $336,312 (-3.9%) | 0.63 | 714 |
| 2024-10-01 | $268,975 (0.7%) | $339,138 (-1.4%) | 0.63 | 722 |
| 2024-11-01 | $273,500 (5.2%) | $341,695 (7.9%) | 0.66 | 745 |
| 2024-12-01 | $269,900 (5.9%) | $339,435 (6.0%) | 0.67 | 717 |
| 2025-01-01 | $260,500 (7.4%) | $324,349 (0.5%) | 0.65 | 683 |
| 2025-02-01 | $269,325 (11.1%) | $331,725 (0.5%) | 0.65 | 677 |
| 2025-03-01 | $265,000 (8.2%) | $338,668 (-0.6%) | 0.62 | 657 |
| 2025-04-01 | $279,950 (13.0%) | $344,975 (0.3%) | 0.65 | 656 |
| 2025-05-01 | $295,000 (14.6%) | $351,173 (5.3%) | 0.67 | 682 |
Columbus's median listing price comes in at 67% of the national average.
Columbus's average listing price for 2025-05-01 was $351,173, a difference of $17,752 (5.3%) versus the prior year and $6,198 versus the prior month.
For the 2025-05-01 period, Columbus had 682 MLS listings, a difference of 26 listings (4%) versus the prior month and 139 listings (26%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Columbus (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 92 days | 1,919 sqft |
| 2018-02-01 | 87 days | 1,930 sqft |
| 2018-03-01 | 74 days | 1,929 sqft |
| 2018-04-01 | 73 days | 1,928 sqft |
| 2018-05-01 | 72 days | 1,970 sqft |
| 2018-06-01 | 68 days | 1,936 sqft |
| 2018-07-01 | 73 days | 1,914 sqft |
| 2018-08-01 | 80 days | 1,922 sqft |
| 2018-09-01 | 84 days | 1,938 sqft |
| 2018-10-01 | 85 days | 1,951 sqft |
| 2018-11-01 | 91 days | 1,943 sqft |
| 2018-12-01 | 96 days | 1,932 sqft |
| 2019-01-01 | 101 days | 1,926 sqft |
| 2019-02-01 | 96 days | 1,939 sqft |
| 2019-03-01 | 91 days | 1,951 sqft |
| 2019-04-01 | 79 days | 1,952 sqft |
| 2019-05-01 | 73 days | 1,942 sqft |
| 2019-06-01 | 67 days | 1,993 sqft |
| 2019-07-01 | 66 days | 2,006 sqft |
| 2019-08-01 | 68 days | 2,024 sqft |
| 2019-09-01 | 71 days | 2,054 sqft |
| 2019-10-01 | 70 days | 2,099 sqft |
| 2019-11-01 | 67 days | 2,150 sqft |
| 2019-12-01 | 74 days | 2,115 sqft |
| 2020-01-01 | 82 days | 2,100 sqft |
| 2020-02-01 | 80 days | 2,109 sqft |
| 2020-03-01 | 71 days | 2,062 sqft |
| 2020-04-01 | 67 days | 2,012 sqft |
| 2020-05-01 | 68 days | 2,049 sqft |
| 2020-06-01 | 58 days | 2,147 sqft |
| 2020-07-01 | 50 days | 2,128 sqft |
| 2020-08-01 | 44 days | 2,037 sqft |
| 2020-09-01 | 45 days | 2,010 sqft |
| 2020-10-01 | 39 days | 2,004 sqft |
| 2020-11-01 | 42 days | 1,965 sqft |
| 2020-12-01 | 46 days | 1,932 sqft |
| 2021-01-01 | 54 days | 1,984 sqft |
| 2021-02-01 | 33 days | 1,902 sqft |
| 2021-03-01 | 32 days | 1,885 sqft |
| 2021-04-01 | 32 days | 1,870 sqft |
| 2021-05-01 | 19 days | 1,819 sqft |
| 2021-06-01 | 22 days | 1,816 sqft |
| 2021-07-01 | 26 days | 1,794 sqft |
| 2021-08-01 | 37 days | 1,821 sqft |
| 2021-09-01 | 37 days | 1,786 sqft |
| 2021-10-01 | 38 days | 1,796 sqft |
| 2021-11-01 | 42 days | 1,828 sqft |
| 2021-12-01 | 55 days | 1,881 sqft |
| 2022-01-01 | 57 days | 1,848 sqft |
| 2022-02-01 | 31 days | 1,792 sqft |
| 2022-03-01 | 25 days | 1,721 sqft |
| 2022-04-01 | 23 days | 1,696 sqft |
| 2022-05-01 | 22 days | 1,808 sqft |
| 2022-06-01 | 26 days | 1,885 sqft |
| 2022-07-01 | 30 days | 1,936 sqft |
| 2022-08-01 | 37 days | 1,866 sqft |
| 2022-09-01 | 44 days | 1,879 sqft |
| 2022-10-01 | 42 days | 1,955 sqft |
| 2022-11-01 | 50 days | 1,971 sqft |
| 2022-12-01 | 65 days | 1,952 sqft |
| 2023-01-01 | 64 days | 1,963 sqft |
| 2023-02-01 | 38 days | 1,873 sqft |
| 2023-03-01 | 40 days | 1,896 sqft |
| 2023-04-01 | 36 days | 2,028 sqft |
| 2023-05-01 | 36 days | 2,096 sqft |
| 2023-06-01 | 40 days | 2,050 sqft |
| 2023-07-01 | 42 days | 2,054 sqft |
| 2023-08-01 | 35 days | 2,104 sqft |
| 2023-09-01 | 37 days | 2,035 sqft |
| 2023-10-01 | 39 days | 1,986 sqft |
| 2023-11-01 | 44 days | 2,038 sqft |
| 2023-12-01 | 53 days | 1,969 sqft |
| 2024-01-01 | 60 days | 1,877 sqft |
| 2024-02-01 | 48 days | 1,855 sqft |
| 2024-03-01 | 45 days | 1,893 sqft |
| 2024-04-01 | 43 days | 1,878 sqft |
| 2024-05-01 | 41 days | 1,850 sqft |
| 2024-06-01 | 44 days | 1,957 sqft |
| 2024-07-01 | 47 days | 1,928 sqft |
| 2024-08-01 | 45 days | 1,890 sqft |
| 2024-09-01 | 48 days | 1,899 sqft |
| 2024-10-01 | 53 days | 1,928 sqft |
| 2024-11-01 | 59 days | 1,963 sqft |
| 2024-12-01 | 65 days | 1,942 sqft |
| 2025-01-01 | 63 days | 1,888 sqft |
| 2025-02-01 | 63 days | 1,894 sqft |
| 2025-03-01 | 53 days | 1,887 sqft |
| 2025-04-01 | 45 days | 1,965 sqft |
| 2025-05-01 | 44 days | 2,079 sqft |
Columbus's median square footage for active listings during the 2025-05-01 period was 2,079 sqft. One year prior, the average listing was 1,850 sqft.