Dublin USDA Loan Rates, Closing Costs & Stats

Dublin, 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.

    Dublin's 13 lenders originated 15 USDA loans during 2023. The total origination value was $2,435,000, with an average USDA loan value of $162,333.

    Dublin USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Dublin averaged 6.41% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Dublin's average USDA mortgage closing costs are $5,030.

    The average rate for the prior week (2025-02-07) was 6.27% and one month ago for the week of 2025-01-10, the average rate was 6.62%.

    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 6.53%.

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

    Dublin 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 Dublin level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Ameris Bank 2 6.44% $6,382
    BROKER SOLUTIONS, INC. 2 5.94% $6,961
    AMERICAN NATIONWIDE MORTGAGE COMPANY, INC. 1 6.13% $9,713
    CRESCENT MORTGAGE COMPANY 1 6.00% $6,900
    CROSSCOUNTRY MORTGAGE, LLC 1 6.13% $6,436
    FIRST COMMUNITY MORTGAGE, INC. 1 6.63% $8,065
    HOMESTAR FINANCIAL CORPORATION 1 7.63% $3,879
    NEWREZ LLC 1 7.25% $4,181
    PLAZA HOME MORTGAGE, INC. 1 6.00% $7,565
    Regions Bank 1 5.25% $7,487
    Alcova Mortgage LLC 1 7.63% $1,651
    UNITED WHOLESALE MORTGAGE, LLC 1 6.75% $6,146
    AMERICAN FINANCIAL NETWORK, INC. 1 7.13% $3,545

    The top Dublin USDA lender as defined by loan originations is Ameris Bank, with 2 USDA loans originated. Their average total fees are $6,382, which is $579 lower than the next largest lender, BROKER SOLUTIONS, INC..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Dublin (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 $112,475 (8.3%) $147,348 (5.2%) 0.00 211
    2018-02-01 $107,400 (-2.3%) $146,376 (3.6%) 0.00 213
    2018-03-01 $125,000 (13.7%) $153,098 (8.9%) 0.00 204
    2018-04-01 $129,888 (27.3%) $151,659 (8.8%) 0.00 224
    2018-05-01 $125,000 (15.6%) $149,156 (2.4%) 0.00 243
    2018-06-01 $119,900 (15.6%) $145,989 (-2.9%) 0.00 236
    2018-07-01 $125,500 (25.6%) $152,066 (1.1%) 0.00 254
    2018-08-01 $122,500 (24.1%) $154,289 (7.0%) 0.00 242
    2018-09-01 $119,950 (20.9%) $154,521 (6.7%) 0.00 246
    2018-10-01 $124,875 (11.0%) $153,611 (3.3%) 0.00 245
    2018-11-01 $129,900 (13.0%) $153,589 (2.1%) 0.00 242
    2018-12-01 $130,000 (18.3%) $155,036 (4.6%) 0.00 248
    2019-01-01 $125,925 (12.0%) $145,649 (-1.2%) 0.00 233
    2019-02-01 $124,975 (16.4%) $149,439 (2.1%) 0.00 242
    2019-03-01 $128,471 (2.8%) $153,177 (0.1%) 0.00 231
    2019-04-01 $129,900 (0.0%) $157,047 (3.6%) 0.00 218
    2019-05-01 $128,200 (2.6%) $153,696 (3.0%) 0.00 212
    2019-06-01 $129,900 (8.3%) $149,234 (2.2%) 0.00 216
    2019-07-01 $125,650 (0.1%) $146,074 (-3.9%) 0.00 202
    2019-08-01 $122,236 (-0.2%) $145,010 (-6.0%) 0.00 204
    2019-09-01 $118,166 (-1.5%) $144,168 (-6.7%) 0.00 216
    2019-10-01 $114,950 (-8.0%) $143,376 (-6.7%) 0.00 220
    2019-11-01 $110,000 (-15.3%) $141,428 (-7.9%) 0.00 194
    2019-12-01 $110,000 (-15.4%) $144,460 (-6.8%) 0.00 187
    2020-01-01 $110,000 (-12.7%) $145,836 (0.1%) 0.00 181
    2020-02-01 $110,000 (-12.0%) $139,953 (-6.4%) 0.00 172
    2020-03-01 $149,450 (16.3%) $179,219 (17.0%) 0.00 135
    2020-04-01 $164,175 (26.4%) $188,985 (20.3%) 0.00 131
    2020-05-01 $174,900 (36.4%) $194,089 (26.3%) 0.00 118
    2020-06-01 $182,500 (40.5%) $201,776 (35.2%) 0.00 109
    2020-07-01 $188,000 (49.6%) $202,922 (38.9%) 0.00 115
    2020-08-01 $159,350 (30.4%) $179,666 (23.9%) 0.00 103
    2020-09-01 $178,925 (51.4%) $200,762 (39.3%) 0.00 104
    2020-10-01 $183,400 (59.6%) $208,211 (45.2%) 0.00 93
    2020-11-01 $169,200 (53.8%) $199,967 (41.4%) 0.00 97
    2020-12-01 $158,700 (44.3%) $187,229 (29.6%) 0.00 96
    2021-01-01 $179,900 (63.6%) $195,033 (33.7%) 0.00 89
    2021-02-01 $174,950 (59.1%) $193,662 (38.4%) 0.00 72
    2021-03-01 $149,900 (0.3%) $179,806 (0.3%) 0.00 80
    2021-04-01 $168,225 (2.5%) $189,715 (0.4%) 0.00 66
    2021-05-01 $149,900 (-14.3%) $179,538 (-7.5%) 0.00 62
    2021-06-01 $153,950 (-15.6%) $176,984 (-12.3%) 0.00 60
    2021-07-01 $156,200 (-16.9%) $163,429 (-19.5%) 0.00 61
    2021-08-01 $167,425 (5.1%) $183,575 (2.2%) 0.00 58
    2021-09-01 $168,350 (-5.9%) $206,147 (2.7%) 0.00 72
    2021-10-01 $185,000 (0.9%) $212,430 (2.0%) 0.00 83
    2021-11-01 $221,150 (30.7%) $230,650 (15.3%) 0.00 76
    2021-12-01 $205,000 (29.2%) $213,748 (14.2%) 0.00 70
    2022-01-01 $209,900 (16.7%) $212,038 (8.7%) 0.00 73
    2022-02-01 $207,175 (18.4%) $224,110 (15.7%) 0.00 65
    2022-03-01 $217,100 (44.8%) $230,952 (28.5%) 0.00 60
    2022-04-01 $180,000 (7.0%) $213,430 (12.5%) 0.00 61
    2022-05-01 $196,500 (31.1%) $219,252 (22.1%) 0.00 64
    2022-06-01 $229,900 (49.3%) $254,689 (43.9%) 0.00 66
    2022-07-01 $238,700 (52.8%) $264,205 (61.7%) 0.00 85
    2022-08-01 $211,950 (26.6%) $271,568 (47.9%) 0.00 81
    2022-09-01 $217,425 (29.2%) $278,894 (35.3%) 0.00 83
    2022-10-01 $225,900 (22.1%) $284,260 (33.8%) 0.00 100
    2022-11-01 $249,125 (12.7%) $275,455 (19.4%) 0.00 122
    2022-12-01 $249,500 (21.7%) $281,108 (31.5%) 0.00 111
    2023-01-01 $249,950 (19.1%) $292,205 (37.8%) 0.00 102
    2023-02-01 $262,300 (26.6%) $291,257 (30.0%) 0.00 100
    2023-03-01 $296,000 (36.3%) $302,614 (31.0%) 0.00 98
    2023-04-01 $294,900 (63.8%) $318,954 (49.4%) 0.00 92
    2023-05-01 $299,900 (52.6%) $318,088 (45.1%) 0.00 82
    2023-06-01 $299,925 (30.5%) $320,618 (25.9%) 0.00 80
    2023-07-01 $297,000 (24.4%) $327,445 (23.9%) 0.00 90
    2023-08-01 $260,725 (23.0%) $322,936 (18.9%) 0.00 96
    2023-09-01 $269,000 (23.7%) $325,103 (16.6%) 0.00 100
    2023-10-01 $270,425 (19.7%) $331,107 (16.5%) 0.00 100
    2023-11-01 $256,150 (2.8%) $309,620 (12.4%) 0.00 92
    2023-12-01 $274,450 (10.0%) $324,903 (15.6%) 0.00 96
    2024-01-01 $284,950 (14.0%) $332,354 (13.7%) 0.00 95
    2024-02-01 $267,500 (2.0%) $284,244 (-2.4%) 0.00 103
    2024-03-01 $277,000 (-6.4%) $284,393 (-6.0%) 0.00 106
    2024-04-01 $282,475 (-4.2%) $281,485 (-11.8%) 0.00 109
    2024-05-01 $275,000 (-8.3%) $283,143 (-11.0%) 0.00 109
    2024-06-01 $277,450 (-7.5%) $287,082 (-10.5%) 0.00 99
    2024-07-01 $268,725 (-9.5%) $285,650 (-12.8%) 0.00 108
    2024-08-01 $242,945 (-6.8%) $272,077 (-15.8%) 0.00 102
    2024-09-01 $239,823 (-10.9%) $267,898 (-17.6%) 0.00 115
    2024-10-01 $243,813 (-9.8%) $277,249 (-16.3%) 0.00 110
    2024-11-01 $248,369 (-3.0%) $272,486 (-12.0%) 0.00 121
    2024-12-01 $240,375 (-12.4%) $284,338 (-12.5%) 0.00 114
    2025-01-01 $248,184 (-12.9%) $294,506 (-11.4%) 0.00 114
    Dublin's median listing price for 2025-01-01 was $248,184, a difference of $-36,766 (-12.9%) versus the prior year and $7,809 versus the prior month.

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

    Dublin's average listing price for 2025-01-01 was $294,506, a difference of $-37,848 (-11.4%) versus the prior year and $10,168 versus the prior month.

    For the 2025-01-01 period, Dublin had 114 MLS listings, a difference of 0 listings (0%) versus the prior month and 19 listings (20%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Dublin (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,719 sqft
    2018-02-01 0 days 1,751 sqft
    2018-03-01 0 days 1,769 sqft
    2018-04-01 0 days 1,699 sqft
    2018-05-01 0 days 1,662 sqft
    2018-06-01 0 days 1,670 sqft
    2018-07-01 0 days 1,730 sqft
    2018-08-01 0 days 1,746 sqft
    2018-09-01 0 days 1,744 sqft
    2018-10-01 0 days 1,752 sqft
    2018-11-01 0 days 1,783 sqft
    2018-12-01 0 days 1,819 sqft
    2019-01-01 0 days 1,761 sqft
    2019-02-01 0 days 1,770 sqft
    2019-03-01 0 days 1,749 sqft
    2019-04-01 0 days 1,720 sqft
    2019-05-01 0 days 1,714 sqft
    2019-06-01 0 days 1,710 sqft
    2019-07-01 0 days 1,733 sqft
    2019-08-01 0 days 1,761 sqft
    2019-09-01 0 days 1,749 sqft
    2019-10-01 0 days 1,702 sqft
    2019-11-01 0 days 1,652 sqft
    2019-12-01 0 days 1,640 sqft
    2020-01-01 0 days 1,643 sqft
    2020-02-01 0 days 1,668 sqft
    2020-03-01 0 days 1,957 sqft
    2020-04-01 0 days 1,993 sqft
    2020-05-01 0 days 2,020 sqft
    2020-06-01 0 days 2,045 sqft
    2020-07-01 0 days 2,126 sqft
    2020-08-01 0 days 1,787 sqft
    2020-09-01 0 days 2,036 sqft
    2020-10-01 0 days 2,143 sqft
    2020-11-01 0 days 2,035 sqft
    2020-12-01 0 days 2,016 sqft
    2021-01-01 0 days 2,016 sqft
    2021-02-01 0 days 1,828 sqft
    2021-03-01 0 days 1,717 sqft
    2021-04-01 0 days 1,726 sqft
    2021-05-01 0 days 1,676 sqft
    2021-06-01 0 days 1,781 sqft
    2021-07-01 0 days 1,694 sqft
    2021-08-01 0 days 1,782 sqft
    2021-09-01 0 days 1,773 sqft
    2021-10-01 0 days 1,752 sqft
    2021-11-01 0 days 2,042 sqft
    2021-12-01 0 days 1,870 sqft
    2022-01-01 0 days 1,810 sqft
    2022-02-01 0 days 1,827 sqft
    2022-03-01 0 days 1,891 sqft
    2022-04-01 0 days 1,740 sqft
    2022-05-01 0 days 1,862 sqft
    2022-06-01 0 days 1,905 sqft
    2022-07-01 0 days 1,973 sqft
    2022-08-01 0 days 1,944 sqft
    2022-09-01 0 days 1,958 sqft
    2022-10-01 0 days 1,944 sqft
    2022-11-01 0 days 1,948 sqft
    2022-12-01 0 days 1,954 sqft
    2023-01-01 0 days 1,941 sqft
    2023-02-01 0 days 1,918 sqft
    2023-03-01 0 days 2,009 sqft
    2023-04-01 0 days 2,010 sqft
    2023-05-01 0 days 2,096 sqft
    2023-06-01 0 days 2,108 sqft
    2023-07-01 0 days 2,065 sqft
    2023-08-01 0 days 1,884 sqft
    2023-09-01 0 days 1,940 sqft
    2023-10-01 0 days 2,063 sqft
    2023-11-01 0 days 1,983 sqft
    2023-12-01 0 days 1,954 sqft
    2024-01-01 0 days 2,075 sqft
    2024-02-01 0 days 2,013 sqft
    2024-03-01 0 days 2,038 sqft
    2024-04-01 0 days 2,043 sqft
    2024-05-01 0 days 2,150 sqft
    2024-06-01 0 days 2,152 sqft
    2024-07-01 0 days 1,978 sqft
    2024-08-01 0 days 1,842 sqft
    2024-09-01 0 days 1,828 sqft
    2024-10-01 0 days 1,845 sqft
    2024-11-01 0 days 1,823 sqft
    2024-12-01 0 days 1,831 sqft
    2025-01-01 0 days 1,880 sqft
    Dublin's median listing age (time on market) for 2025-01-01 was 0 days.

    Dublin's median square footage for active listings during the 2025-01-01 period was 1,880 sqft. One year prior, the average listing was 2,075 sqft.