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 6.95% for the week of 2024-04-19, compared to the national average (all USDA variants) of 6.863% for the same period.

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

    The average rate for the prior week (2024-04-12) was 6.6% and one month ago for the week of 2024-03-15, the average rate was 6.58%.

    The average rate one year ago was 6.12%.

    For refis of the same type during the week of 2024-04-19, the average rate was 6.66%.

    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 $112,500 (5.2%) $146,517 (3.9%) 0.00 220
    2018-02-01 $109,950 (0.0%) $145,721 (2.4%) 0.00 223
    2018-03-01 $124,900 (13.6%) $151,875 (7.7%) 0.00 213
    2018-04-01 $128,638 (24.4%) $150,182 (8.0%) 0.00 232
    2018-05-01 $124,225 (15.6%) $147,809 (1.9%) 0.00 250
    2018-06-01 $119,900 (11.6%) $144,547 (-3.7%) 0.00 245
    2018-07-01 $125,000 (25.1%) $149,962 (-0.3%) 0.00 262
    2018-08-01 $122,450 (23.7%) $151,809 (5.1%) 0.00 249
    2018-09-01 $119,900 (20.5%) $151,928 (5.5%) 0.00 254
    2018-10-01 $122,450 (6.9%) $151,699 (2.6%) 0.00 254
    2018-11-01 $129,675 (13.0%) $152,834 (2.3%) 0.00 248
    2018-12-01 $129,950 (18.2%) $153,720 (4.6%) 0.00 254
    2019-01-01 $124,675 (10.8%) $144,744 (-1.2%) 0.00 242
    2019-02-01 $124,900 (13.6%) $148,305 (1.8%) 0.00 252
    2019-03-01 $127,043 (1.7%) $152,231 (0.2%) 0.00 241
    2019-04-01 $129,900 (1.0%) $157,009 (4.6%) 0.00 229
    2019-05-01 $129,050 (3.9%) $153,922 (4.1%) 0.00 224
    2019-06-01 $129,900 (8.3%) $150,894 (4.4%) 0.00 229
    2019-07-01 $127,400 (1.9%) $147,866 (-1.4%) 0.00 214
    2019-08-01 $123,291 (0.7%) $146,916 (-3.2%) 0.00 214
    2019-09-01 $118,627 (-1.1%) $146,193 (-3.8%) 0.00 223
    2019-10-01 $115,000 (-6.1%) $145,710 (-4.0%) 0.00 226
    2019-11-01 $110,000 (-15.2%) $143,860 (-5.9%) 0.00 202
    2019-12-01 $110,000 (-15.4%) $147,068 (-4.3%) 0.00 194
    2020-01-01 $113,075 (-9.3%) $148,565 (2.6%) 0.00 188
    2020-02-01 $112,450 (-10.0%) $143,351 (-3.3%) 0.00 178
    2020-03-01 $149,450 (17.6%) $178,880 (17.5%) 0.00 140
    2020-04-01 $162,225 (24.9%) $187,984 (19.7%) 0.00 136
    2020-05-01 $174,900 (35.5%) $193,325 (25.6%) 0.00 120
    2020-06-01 $182,500 (40.5%) $201,908 (33.8%) 0.00 113
    2020-07-01 $186,000 (46.0%) $202,664 (37.1%) 0.00 119
    2020-08-01 $158,700 (28.7%) $179,427 (22.1%) 0.00 107
    2020-09-01 $178,600 (50.6%) $198,697 (35.9%) 0.00 108
    2020-10-01 $179,700 (56.3%) $205,928 (41.3%) 0.00 97
    2020-11-01 $170,175 (54.7%) $199,662 (38.8%) 0.00 100
    2020-12-01 $158,950 (44.5%) $188,911 (28.5%) 0.00 99
    2021-01-01 $177,450 (56.9%) $195,007 (31.3%) 0.00 93
    2021-02-01 $166,475 (48.0%) $189,428 (32.1%) 0.00 77
    2021-03-01 $139,925 (-6.4%) $175,921 (-1.7%) 0.00 86
    2021-04-01 $152,400 (-6.1%) $182,783 (-2.8%) 0.00 73
    2021-05-01 $134,800 (-22.9%) $174,261 (-9.9%) 0.00 68
    2021-06-01 $140,425 (-23.1%) $169,018 (-16.3%) 0.00 67
    2021-07-01 $140,000 (-24.7%) $155,409 (-23.3%) 0.00 69
    2021-08-01 $164,975 (4.0%) $176,781 (-1.5%) 0.00 63
    2021-09-01 $161,450 (-9.6%) $199,317 (0.3%) 0.00 77
    2021-10-01 $185,000 (3.0%) $210,390 (2.2%) 0.00 89
    2021-11-01 $224,300 (31.8%) $232,573 (16.5%) 0.00 79
    2021-12-01 $207,450 (30.5%) $216,241 (14.5%) 0.00 73
    2022-01-01 $210,000 (18.3%) $211,982 (8.7%) 0.00 75
    2022-02-01 $211,300 (26.9%) $226,233 (19.4%) 0.00 66
    2022-03-01 $217,100 (55.2%) $232,145 (32.0%) 0.00 62
    2022-04-01 $184,950 (21.4%) $215,321 (17.8%) 0.00 64
    2022-05-01 $194,000 (43.9%) $217,534 (24.8%) 0.00 66
    2022-06-01 $229,900 (63.7%) $253,193 (49.8%) 0.00 68
    2022-07-01 $236,250 (68.8%) $260,155 (67.4%) 0.00 89
    2022-08-01 $207,000 (25.5%) $269,078 (52.2%) 0.00 83
    2022-09-01 $208,675 (29.3%) $271,332 (36.1%) 0.00 88
    2022-10-01 $219,950 (18.9%) $271,682 (29.1%) 0.00 104
    2022-11-01 $242,642 (8.2%) $271,196 (16.6%) 0.00 125
    2022-12-01 $249,000 (20.0%) $274,103 (26.8%) 0.00 110
    2023-01-01 $249,900 (19.0%) $289,051 (36.4%) 0.00 100
    2023-02-01 $259,700 (22.9%) $288,328 (27.5%) 0.00 98
    2023-03-01 $292,000 (34.5%) $301,119 (29.7%) 0.00 97
    2023-04-01 $289,950 (56.8%) $315,767 (46.7%) 0.00 91
    2023-05-01 $299,850 (54.6%) $315,309 (45.0%) 0.00 82
    2023-06-01 $299,850 (30.4%) $321,166 (26.9%) 0.00 83
    2023-07-01 $294,950 (24.9%) $325,630 (25.2%) 0.00 95
    2023-08-01 $256,175 (23.8%) $326,780 (21.4%) 0.00 100
    2023-09-01 $254,900 (22.2%) $317,895 (17.2%) 0.00 105
    2023-10-01 $263,900 (20.0%) $329,137 (21.2%) 0.00 105
    2023-11-01 $253,675 (4.6%) $308,579 (13.8%) 0.00 95
    2023-12-01 $266,900 (7.2%) $319,741 (16.7%) 0.00 101
    2024-01-01 $284,950 (14.0%) $333,474 (15.4%) 0.00 100
    2024-02-01 $268,838 (3.5%) $287,526 (-0.3%) 0.00 109
    2024-03-01 $279,000 (-4.5%) $287,438 (-4.5%) 0.00 112
    Dublin's median listing price for 2024-03-01 was $279,000, a difference of $-13,000 (-4.5%) versus the prior year and $10,162 versus the prior month.

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

    Dublin's average listing price for 2024-03-01 was $287,438, a difference of $-13,681 (-4.5%) versus the prior year and $-88 versus the prior month.

    For the 2024-03-01 period, Dublin had 112 MLS listings, a difference of 3 listings (3%) versus the prior month and 15 listings (15%) 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 1,730 sqft
    2018-02-01 0 days 1,762 sqft
    2018-03-01 0 days 1,781 sqft
    2018-04-01 0 days 1,695 sqft
    2018-05-01 0 days 1,664 sqft
    2018-06-01 0 days 1,685 sqft
    2018-07-01 0 days 1,729 sqft
    2018-08-01 0 days 1,735 sqft
    2018-09-01 0 days 1,730 sqft
    2018-10-01 0 days 1,750 sqft
    2018-11-01 0 days 1,783 sqft
    2018-12-01 0 days 1,806 sqft
    2019-01-01 0 days 1,747 sqft
    2019-02-01 0 days 1,729 sqft
    2019-03-01 0 days 1,714 sqft
    2019-04-01 0 days 1,711 sqft
    2019-05-01 0 days 1,701 sqft
    2019-06-01 0 days 1,708 sqft
    2019-07-01 0 days 1,719 sqft
    2019-08-01 0 days 1,754 sqft
    2019-09-01 0 days 1,745 sqft
    2019-10-01 0 days 1,707 sqft
    2019-11-01 0 days 1,664 sqft
    2019-12-01 0 days 1,658 sqft
    2020-01-01 0 days 1,674 sqft
    2020-02-01 0 days 1,692 sqft
    2020-03-01 0 days 1,965 sqft
    2020-04-01 0 days 2,008 sqft
    2020-05-01 0 days 2,032 sqft
    2020-06-01 0 days 2,111 sqft
    2020-07-01 0 days 2,153 sqft
    2020-08-01 0 days 1,874 sqft
    2020-09-01 0 days 2,077 sqft
    2020-10-01 0 days 2,155 sqft
    2020-11-01 0 days 2,043 sqft
    2020-12-01 0 days 2,014 sqft
    2021-01-01 0 days 2,002 sqft
    2021-02-01 0 days 1,774 sqft
    2021-03-01 0 days 1,699 sqft
    2021-04-01 0 days 1,732 sqft
    2021-05-01 0 days 1,676 sqft
    2021-06-01 0 days 1,704 sqft
    2021-07-01 0 days 1,720 sqft
    2021-08-01 0 days 1,714 sqft
    2021-09-01 0 days 1,709 sqft
    2021-10-01 0 days 1,733 sqft
    2021-11-01 0 days 1,974 sqft
    2021-12-01 0 days 1,817 sqft
    2022-01-01 0 days 1,800 sqft
    2022-02-01 0 days 1,827 sqft
    2022-03-01 0 days 1,842 sqft
    2022-04-01 0 days 1,762 sqft
    2022-05-01 0 days 1,886 sqft
    2022-06-01 0 days 1,944 sqft
    2022-07-01 0 days 1,995 sqft
    2022-08-01 0 days 1,954 sqft
    2022-09-01 0 days 1,955 sqft
    2022-10-01 0 days 1,942 sqft
    2022-11-01 0 days 1,947 sqft
    2022-12-01 0 days 1,944 sqft
    2023-01-01 0 days 1,937 sqft
    2023-02-01 0 days 1,895 sqft
    2023-03-01 0 days 2,007 sqft
    2023-04-01 0 days 1,999 sqft
    2023-05-01 0 days 2,085 sqft
    2023-06-01 0 days 2,096 sqft
    2023-07-01 0 days 2,055 sqft
    2023-08-01 0 days 1,894 sqft
    2023-09-01 0 days 1,940 sqft
    2023-10-01 0 days 2,045 sqft
    2023-11-01 0 days 1,924 sqft
    2023-12-01 0 days 1,933 sqft
    2024-01-01 0 days 2,103 sqft
    2024-02-01 0 days 2,015 sqft
    2024-03-01 0 days 2,038 sqft
    Dublin's median listing age (time on market) for 2024-03-01 was 0 days.

    Dublin's median square footage for active listings during the 2024-03-01 period was 2,038 sqft. One year prior, the average listing was 2,007 sqft.