Dalton USDA Loan Rates, Closing Costs & Stats

DALTON, 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.

    Dalton's 21 lenders originated 30 USDA loans during 2023. The total origination value was $5,950,000, with an average USDA loan value of $198,333.

    Dalton USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Dalton averaged 6.65% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Dalton's average USDA mortgage closing costs are $5,480.

    The average rate for the prior week (2025-02-07) was 6.41% and one month ago for the week of 2025-01-10, the average rate was 6.55%.

    The average rate one year ago was 6.55%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.83%.

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

    Dalton 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 Dalton level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    STOCKTON MORTGAGE CORPORATION 4 6.88% $8,605
    PRIMELENDING, A PLAINSCAPITAL COMPANY 4 6.94% $8,158
    MOVEMENT MORTGAGE, LLC 2 6.44% $7,211
    BROKER SOLUTIONS, INC. 2 6.50% $8,907
    UNION HOME MORTGAGE CORP. 2 7.13% $8,613
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 1 7.63% $8,597
    HOMESIDE FINANCIAL, LLC 1 6.00% $7,537
    HOMESTAR FINANCIAL CORPORATION 1 7.25% $3,843
    MORTGAGE INVESTORS GROUP, INC. 1 5.75% $15,515
    ALAMEDA MORTGAGE CORPORATION 1 6.50% $7,224
    NEWREZ LLC 1 6.75% $4,450
    OPEN MORTGAGE, LLC 1 6.88% $6,190
    PANORAMA MORTGAGE GROUP, LLC 1 6.75% $8,286
    Regions Bank 1 6.25% $7,966
    SUCCESS MORTGAGE PARTNERS, INC. 1 6.63% $12,328
    Synovus Bank 1 6.63% $4,779
    Mortgage Research Center, LLC 1 6.25% $2,409
    Equity Prime Mortgage LLC 1 6.75% $11,579
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.13% $7,410
    FirstBank 1 6.13% $7,658
    FIRST COMMUNITY MORTGAGE, INC. 1 6.13% $4,750

    The top Dalton USDA lender as defined by loan originations is STOCKTON MORTGAGE CORPORATION, with 4 USDA loans originated. Their average total fees are $8,605, which is $447 higher than the next largest lender, PRIMELENDING, A PLAINSCAPITAL COMPANY.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Dalton (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 $169,500 (2.4%) $250,905 (10.3%) 0.00 318
    2018-02-01 $169,900 (3.0%) $249,409 (13.2%) 0.00 327
    2018-03-01 $169,900 (3.0%) $250,115 (17.2%) 0.00 321
    2018-04-01 $175,250 (4.0%) $259,321 (18.3%) 0.00 327
    2018-05-01 $179,900 (5.9%) $256,616 (10.5%) 0.00 305
    2018-06-01 $179,900 (4.4%) $243,175 (2.7%) 0.00 314
    2018-07-01 $172,450 (-6.8%) $241,186 (-3.9%) 0.00 322
    2018-08-01 $170,900 (-1.2%) $241,679 (-1.0%) 0.00 318
    2018-09-01 $174,950 (3.0%) $245,357 (3.5%) 0.00 337
    2018-10-01 $179,400 (8.8%) $240,070 (3.7%) 0.00 328
    2018-11-01 $179,675 (6.6%) $242,370 (3.4%) 0.00 315
    2018-12-01 $174,900 (2.9%) $233,673 (-2.4%) 0.00 319
    2019-01-01 $176,000 (3.8%) $230,393 (-8.2%) 0.00 303
    2019-02-01 $177,000 (4.2%) $235,879 (-5.4%) 0.00 291
    2019-03-01 $182,171 (7.2%) $242,505 (-3.0%) 0.00 280
    2019-04-01 $185,871 (6.1%) $243,252 (-6.2%) 0.00 266
    2019-05-01 $188,400 (4.7%) $239,600 (-6.6%) 0.00 271
    2019-06-01 $189,900 (5.6%) $247,092 (1.6%) 0.00 297
    2019-07-01 $189,450 (9.9%) $243,905 (1.1%) 0.00 298
    2019-08-01 $189,973 (11.2%) $250,112 (3.5%) 0.00 312
    2019-09-01 $189,932 (8.6%) $247,303 (0.8%) 0.00 329
    2019-10-01 $189,875 (5.8%) $245,028 (2.1%) 0.00 337
    2019-11-01 $184,400 (2.6%) $241,137 (-0.5%) 0.00 332
    2019-12-01 $184,400 (5.4%) $237,791 (1.8%) 0.00 314
    2020-01-01 $179,900 (2.2%) $234,315 (1.7%) 0.00 289
    2020-02-01 $192,450 (8.7%) $243,199 (3.1%) 0.00 291
    2020-03-01 $199,900 (9.7%) $245,061 (1.1%) 0.00 274
    2020-04-01 $203,400 (9.4%) $249,220 (2.5%) 0.00 258
    2020-05-01 $219,900 (16.7%) $263,623 (10.0%) 0.00 227
    2020-06-01 $228,450 (20.3%) $275,631 (11.6%) 0.00 199
    2020-07-01 $235,558 (24.3%) $279,505 (14.6%) 0.00 170
    2020-08-01 $230,000 (21.1%) $292,117 (16.8%) 0.00 162
    2020-09-01 $249,450 (31.3%) $291,845 (18.0%) 0.00 166
    2020-10-01 $239,900 (26.4%) $285,918 (16.7%) 0.00 176
    2020-11-01 $246,988 (33.9%) $278,171 (15.4%) 0.00 191
    2020-12-01 $249,925 (35.5%) $291,971 (22.8%) 0.00 170
    2021-01-01 $249,900 (38.9%) $290,281 (23.9%) 0.00 154
    2021-02-01 $265,950 (38.2%) $307,920 (26.6%) 0.00 120
    2021-03-01 $239,900 (20.0%) $302,692 (23.5%) 0.00 93
    2021-04-01 $243,900 (19.9%) $319,553 (28.2%) 0.00 91
    2021-05-01 $249,900 (13.6%) $324,793 (23.2%) 0.00 96
    2021-06-01 $259,600 (13.6%) $354,912 (28.8%) 0.00 107
    2021-07-01 $249,900 (6.1%) $343,415 (22.9%) 0.00 140
    2021-08-01 $254,725 (10.8%) $341,424 (16.9%) 0.00 171
    2021-09-01 $237,950 (-4.6%) $341,163 (16.9%) 0.00 175
    2021-10-01 $250,000 (4.2%) $347,117 (21.4%) 0.00 179
    2021-11-01 $249,450 (1.0%) $354,964 (27.6%) 0.00 185
    2021-12-01 $248,000 (-0.8%) $358,796 (22.9%) 0.00 183
    2022-01-01 $239,900 (-4.0%) $365,754 (26.0%) 0.00 167
    2022-02-01 $249,950 (-6.0%) $380,305 (23.5%) 0.00 143
    2022-03-01 $268,700 (12.0%) $383,927 (26.8%) 0.00 130
    2022-04-01 $272,500 (11.7%) $400,407 (25.3%) 0.00 125
    2022-05-01 $266,225 (6.5%) $375,086 (15.5%) 0.00 204
    2022-06-01 $282,425 (8.8%) $360,173 (1.5%) 0.00 233
    2022-07-01 $279,900 (12.0%) $360,291 (4.9%) 0.00 272
    2022-08-01 $279,788 (9.8%) $362,219 (6.1%) 0.00 301
    2022-09-01 $279,950 (17.7%) $352,624 (3.4%) 0.00 309
    2022-10-01 $274,900 (10.0%) $337,738 (-2.7%) 0.00 301
    2022-11-01 $266,075 (6.7%) $334,559 (-5.8%) 0.00 288
    2022-12-01 $273,450 (10.3%) $350,302 (-2.4%) 0.00 249
    2023-01-01 $269,950 (12.5%) $345,771 (-5.5%) 0.00 199
    2023-02-01 $279,925 (12.0%) $364,843 (-4.1%) 0.00 188
    2023-03-01 $299,900 (11.6%) $368,771 (-4.0%) 0.00 157
    2023-04-01 $299,900 (10.1%) $363,475 (-9.2%) 0.00 143
    2023-05-01 $315,250 (18.4%) $389,203 (3.8%) 0.00 147
    2023-06-01 $312,500 (10.7%) $390,344 (8.4%) 0.00 177
    2023-07-01 $310,000 (10.8%) $381,316 (5.8%) 0.00 195
    2023-08-01 $312,183 (11.6%) $381,337 (5.3%) 0.00 220
    2023-09-01 $325,000 (16.1%) $438,373 (24.3%) 0.00 208
    2023-10-01 $326,200 (18.7%) $448,341 (32.8%) 0.00 233
    2023-11-01 $315,000 (18.4%) $448,003 (33.9%) 0.00 259
    2023-12-01 $325,000 (18.9%) $458,564 (30.9%) 0.00 256
    2024-01-01 $325,500 (20.6%) $463,990 (34.2%) 0.00 250
    2024-02-01 $336,750 (20.3%) $471,786 (29.3%) 0.00 241
    2024-03-01 $344,950 (15.0%) $467,933 (26.9%) 0.00 239
    2024-04-01 $329,925 (10.0%) $428,789 (18.0%) 0.00 249
    2024-05-01 $354,975 (12.6%) $481,013 (23.6%) 0.00 254
    2024-06-01 $350,000 (12.0%) $465,007 (19.1%) 0.00 271
    2024-07-01 $334,393 (7.9%) $448,672 (17.7%) 0.00 291
    2024-08-01 $329,900 (5.7%) $430,019 (12.8%) 0.00 295
    2024-09-01 $312,475 (-3.9%) $418,805 (-4.5%) 0.00 291
    2024-10-01 $300,783 (-7.8%) $407,944 (-9.0%) 0.00 323
    2024-11-01 $305,000 (-3.2%) $417,597 (-6.8%) 0.00 345
    2024-12-01 $303,475 (-6.6%) $388,854 (-15.2%) 0.00 329
    2025-01-01 $312,400 (-4.0%) $455,988 (-1.7%) 0.00 303
    Dalton's median listing price for 2025-01-01 was $312,400, a difference of $-13,100 (-4.0%) versus the prior year and $8,925 versus the prior month.

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

    Dalton's average listing price for 2025-01-01 was $455,988, a difference of $-8,002 (-1.7%) versus the prior year and $67,134 versus the prior month.

    For the 2025-01-01 period, Dalton had 303 MLS listings, a difference of -26 listings (-8%) versus the prior month and 53 listings (21%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Dalton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,056 sqft
    2018-02-01 0 days 2,036 sqft
    2018-03-01 0 days 2,055 sqft
    2018-04-01 0 days 2,108 sqft
    2018-05-01 0 days 2,113 sqft
    2018-06-01 0 days 2,132 sqft
    2018-07-01 0 days 2,092 sqft
    2018-08-01 0 days 1,951 sqft
    2018-09-01 0 days 1,920 sqft
    2018-10-01 0 days 2,000 sqft
    2018-11-01 0 days 1,998 sqft
    2018-12-01 0 days 1,914 sqft
    2019-01-01 0 days 1,949 sqft
    2019-02-01 0 days 1,941 sqft
    2019-03-01 0 days 2,019 sqft
    2019-04-01 0 days 2,051 sqft
    2019-05-01 0 days 2,055 sqft
    2019-06-01 0 days 2,012 sqft
    2019-07-01 0 days 1,935 sqft
    2019-08-01 0 days 1,960 sqft
    2019-09-01 0 days 1,946 sqft
    2019-10-01 0 days 1,928 sqft
    2019-11-01 0 days 1,940 sqft
    2019-12-01 0 days 1,948 sqft
    2020-01-01 0 days 1,905 sqft
    2020-02-01 0 days 1,912 sqft
    2020-03-01 0 days 1,897 sqft
    2020-04-01 0 days 1,885 sqft
    2020-05-01 0 days 2,070 sqft
    2020-06-01 0 days 2,219 sqft
    2020-07-01 0 days 2,310 sqft
    2020-08-01 0 days 2,347 sqft
    2020-09-01 0 days 2,403 sqft
    2020-10-01 0 days 2,261 sqft
    2020-11-01 0 days 2,209 sqft
    2020-12-01 0 days 2,152 sqft
    2021-01-01 0 days 2,058 sqft
    2021-02-01 0 days 2,144 sqft
    2021-03-01 0 days 1,894 sqft
    2021-04-01 0 days 1,958 sqft
    2021-05-01 0 days 1,859 sqft
    2021-06-01 0 days 1,904 sqft
    2021-07-01 0 days 1,950 sqft
    2021-08-01 0 days 1,872 sqft
    2021-09-01 0 days 1,791 sqft
    2021-10-01 0 days 1,803 sqft
    2021-11-01 0 days 1,799 sqft
    2021-12-01 0 days 1,745 sqft
    2022-01-01 0 days 1,715 sqft
    2022-02-01 0 days 1,769 sqft
    2022-03-01 0 days 1,829 sqft
    2022-04-01 0 days 1,810 sqft
    2022-05-01 0 days 1,562 sqft
    2022-06-01 0 days 1,584 sqft
    2022-07-01 0 days 1,758 sqft
    2022-08-01 0 days 1,699 sqft
    2022-09-01 0 days 1,680 sqft
    2022-10-01 0 days 1,680 sqft
    2022-11-01 0 days 1,653 sqft
    2022-12-01 0 days 1,740 sqft
    2023-01-01 0 days 1,695 sqft
    2023-02-01 0 days 1,736 sqft
    2023-03-01 0 days 1,851 sqft
    2023-04-01 0 days 1,882 sqft
    2023-05-01 0 days 1,903 sqft
    2023-06-01 0 days 1,880 sqft
    2023-07-01 0 days 1,935 sqft
    2023-08-01 0 days 1,930 sqft
    2023-09-01 0 days 1,925 sqft
    2023-10-01 0 days 1,879 sqft
    2023-11-01 0 days 1,873 sqft
    2023-12-01 0 days 1,849 sqft
    2024-01-01 0 days 1,829 sqft
    2024-02-01 0 days 1,808 sqft
    2024-03-01 0 days 1,813 sqft
    2024-04-01 0 days 1,790 sqft
    2024-05-01 0 days 1,941 sqft
    2024-06-01 0 days 1,826 sqft
    2024-07-01 0 days 1,820 sqft
    2024-08-01 0 days 1,800 sqft
    2024-09-01 0 days 1,792 sqft
    2024-10-01 0 days 1,778 sqft
    2024-11-01 0 days 1,772 sqft
    2024-12-01 0 days 1,792 sqft
    2025-01-01 0 days 1,781 sqft
    Dalton's median listing age (time on market) for 2025-01-01 was 0 days.

    Dalton's median square footage for active listings during the 2025-01-01 period was 1,781 sqft. One year prior, the average listing was 1,829 sqft.