Fitzgerald USDA Loan Rates, Closing Costs & Stats
Fitzgerald, GA
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.
Fitzgerald's 4 lenders originated 11 USDA loans during 2023. The total origination value was $1,495,000, with an average USDA loan value of $135,909.
Fitzgerald USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Fitzgerald
averaged
6.55%
for the week of 2024-11-08, compared to the national average (all USDA variants) of
6.477% for the same period.
Fitzgerald's average USDA mortgage closing costs are $3,243.
The average rate for the prior week (2024-11-01) was
6.43% and
one month ago for the week of 2024-10-04, the
average rate was 5.85%.
The average rate one year ago was 7.69%.
For refis of the same type during the week of 2024-11-08, the average rate
was 6.58%.
Fitzgerald 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 Fitzgerald level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| HOMESTAR FINANCIAL CORPORATION | 8 | 6.81% | $2,016 |
| Ameris Bank | 1 | 5.75% | $9,055 |
| BANKSOUTH MORTGAGE COMPANY, LLC | 1 | 6.63% | $6,404 |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 1 | 6.38% | $10,529 |
The top Fitzgerald USDA lender as defined by loan originations is HOMESTAR FINANCIAL CORPORATION, with
8 USDA loans originated. Their average total fees are
$2,016, which is $7,040
lower than the next largest lender,
Ameris Bank.
The lowest fee Fitzgerald USDA lenders (with over 10 loans originated) are
.
The lowest rate Fitzgerald USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Fitzgerald (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 | $109,900 (24.9%) | $141,636 (17.9%) | 0.00 | 46 |
| 2018-02-01 | $89,925 (1.6%) | $126,202 (16.9%) | 0.00 | 53 |
| 2018-03-01 | $89,950 (2.9%) | $126,933 (16.2%) | 0.00 | 51 |
| 2018-04-01 | $97,125 (8.0%) | $125,382 (11.9%) | 0.00 | 51 |
| 2018-05-01 | $89,999 (2.0%) | $148,218 (42.2%) | 0.00 | 56 |
| 2018-06-01 | $99,500 (10.6%) | $157,254 (43.7%) | 0.00 | 50 |
| 2018-07-01 | $99,500 (2.4%) | $140,017 (24.0%) | 0.00 | 53 |
| 2018-08-01 | $99,600 (1.0%) | $125,909 (8.7%) | 0.00 | 55 |
| 2018-09-01 | $99,500 (-0.4%) | $128,106 (12.2%) | 0.00 | 58 |
| 2018-10-01 | $99,500 (-6.0%) | $125,127 (-8.3%) | 0.00 | 54 |
| 2018-11-01 | $103,750 (-5.6%) | $129,125 (-6.4%) | 0.00 | 55 |
| 2018-12-01 | $97,200 (-11.6%) | $132,750 (-4.0%) | 0.00 | 59 |
| 2019-01-01 | $105,750 (-3.8%) | $132,172 (-6.7%) | 0.00 | 56 |
| 2019-02-01 | $116,250 (29.3%) | $134,733 (6.8%) | 0.00 | 56 |
| 2019-03-01 | $119,386 (32.7%) | $133,696 (5.3%) | 0.00 | 61 |
| 2019-04-01 | $119,900 (23.5%) | $133,504 (6.5%) | 0.00 | 59 |
| 2019-05-01 | $115,500 (28.3%) | $130,567 (-11.9%) | 0.00 | 54 |
| 2019-06-01 | $109,900 (10.5%) | $118,740 (-24.5%) | 0.00 | 55 |
| 2019-07-01 | $96,500 (-3.0%) | $109,153 (-22.0%) | 0.00 | 57 |
| 2019-08-01 | $97,305 (-2.3%) | $114,334 (-9.2%) | 0.00 | 59 |
| 2019-09-01 | $98,511 (-1.0%) | $115,227 (-10.1%) | 0.00 | 61 |
| 2019-10-01 | $99,091 (-0.4%) | $117,950 (-5.7%) | 0.00 | 63 |
| 2019-11-01 | $96,000 (-7.5%) | $122,247 (-5.3%) | 0.00 | 56 |
| 2019-12-01 | $98,000 (0.8%) | $130,967 (-1.3%) | 0.00 | 57 |
| 2020-01-01 | $92,900 (-12.2%) | $125,892 (-4.8%) | 0.00 | 60 |
| 2020-02-01 | $89,900 (-22.7%) | $127,930 (-5.1%) | 0.00 | 59 |
| 2020-03-01 | $95,500 (-20.0%) | $138,514 (3.6%) | 0.00 | 50 |
| 2020-04-01 | $103,250 (-13.9%) | $141,395 (5.9%) | 0.00 | 51 |
| 2020-05-01 | $107,000 (-7.4%) | $136,522 (4.6%) | 0.00 | 48 |
| 2020-06-01 | $121,675 (10.7%) | $153,653 (29.4%) | 0.00 | 48 |
| 2020-07-01 | $117,400 (21.7%) | $161,388 (47.9%) | 0.00 | 42 |
| 2020-08-01 | $92,500 (-4.9%) | $144,098 (26.0%) | 0.00 | 31 |
| 2020-09-01 | $99,100 (0.6%) | $161,925 (40.5%) | 0.00 | 28 |
| 2020-10-01 | $112,400 (13.4%) | $161,594 (37.0%) | 0.00 | 23 |
| 2020-11-01 | $119,900 (24.9%) | $167,264 (36.8%) | 0.00 | 28 |
| 2020-12-01 | $111,150 (13.4%) | $139,529 (6.5%) | 0.00 | 26 |
| 2021-01-01 | $119,900 (29.1%) | $152,038 (20.8%) | 0.00 | 20 |
| 2021-02-01 | $119,925 (33.4%) | $157,117 (22.8%) | 0.00 | 20 |
| 2021-03-01 | $112,000 (17.3%) | $150,898 (8.9%) | 0.00 | 17 |
| 2021-04-01 | $118,500 (14.8%) | $176,793 (25.0%) | 0.00 | 21 |
| 2021-05-01 | $125,000 (16.8%) | $185,121 (35.6%) | 0.00 | 21 |
| 2021-06-01 | $147,975 (21.6%) | $202,258 (31.6%) | 0.00 | 19 |
| 2021-07-01 | $146,950 (25.2%) | $209,088 (29.6%) | 0.00 | 15 |
| 2021-08-01 | $139,900 (51.2%) | $189,293 (31.4%) | 0.00 | 13 |
| 2021-09-01 | $152,175 (53.6%) | $208,569 (28.8%) | 0.00 | 14 |
| 2021-10-01 | $179,900 (60.1%) | $233,267 (44.4%) | 0.00 | 13 |
| 2021-11-01 | $189,900 (58.4%) | $232,085 (38.8%) | 0.00 | 22 |
| 2021-12-01 | $213,650 (92.2%) | $252,897 (81.3%) | 0.00 | 19 |
| 2022-01-01 | $209,900 (75.1%) | $245,381 (61.4%) | 0.00 | 21 |
| 2022-02-01 | $159,900 (33.3%) | $220,003 (40.0%) | 0.00 | 27 |
| 2022-03-01 | $151,950 (35.7%) | $187,806 (24.5%) | 0.00 | 24 |
| 2022-04-01 | $92,700 (-21.8%) | $166,367 (-5.9%) | 0.00 | 29 |
| 2022-05-01 | $144,150 (15.3%) | $212,309 (14.7%) | 0.00 | 25 |
| 2022-06-01 | $142,400 (-3.8%) | $202,785 (0.3%) | 0.00 | 34 |
| 2022-07-01 | $148,250 (0.9%) | $206,146 (-1.4%) | 0.00 | 29 |
| 2022-08-01 | $130,575 (-6.7%) | $178,532 (-5.7%) | 0.00 | 27 |
| 2022-09-01 | $148,675 (-2.3%) | $175,981 (-15.6%) | 0.00 | 27 |
| 2022-10-01 | $159,000 (-11.6%) | $171,828 (-26.3%) | 0.00 | 23 |
| 2022-11-01 | $159,500 (-16.0%) | $186,648 (-19.6%) | 0.00 | 28 |
| 2022-12-01 | $140,000 (-34.5%) | $140,574 (-44.4%) | 0.00 | 25 |
| 2023-01-01 | $139,900 (-33.4%) | $148,383 (-39.5%) | 0.00 | 33 |
| 2023-02-01 | $162,400 (1.6%) | $186,748 (-15.1%) | 0.00 | 33 |
| 2023-03-01 | $166,000 (9.3%) | $189,719 (1.0%) | 0.00 | 32 |
| 2023-04-01 | $184,000 (98.5%) | $204,500 (22.9%) | 0.00 | 27 |
| 2023-05-01 | $174,225 (20.9%) | $215,311 (1.4%) | 0.00 | 27 |
| 2023-06-01 | $168,000 (18.0%) | $207,760 (2.5%) | 0.00 | 20 |
| 2023-07-01 | $169,450 (14.3%) | $211,270 (2.5%) | 0.00 | 18 |
| 2023-08-01 | $165,700 (26.9%) | $197,389 (10.6%) | 0.00 | 22 |
| 2023-09-01 | $154,500 (3.9%) | $175,115 (-0.5%) | 0.00 | 24 |
| 2023-10-01 | $159,450 (0.3%) | $175,508 (2.1%) | 0.00 | 27 |
| 2023-11-01 | $189,850 (19.0%) | $239,286 (28.2%) | 0.00 | 27 |
| 2023-12-01 | $192,200 (37.3%) | $269,028 (91.4%) | 0.00 | 27 |
| 2024-01-01 | $202,923 (45.1%) | $271,866 (83.2%) | 0.00 | 29 |
| 2024-02-01 | $182,450 (12.4%) | $243,907 (30.6%) | 0.00 | 33 |
| 2024-03-01 | $189,900 (14.4%) | $258,600 (36.3%) | 0.00 | 30 |
| 2024-04-01 | $194,200 (5.5%) | $241,138 (17.9%) | 0.00 | 32 |
| 2024-05-01 | $208,675 (19.8%) | $266,832 (23.9%) | 0.00 | 27 |
| 2024-06-01 | $201,750 (20.1%) | $265,669 (27.9%) | 0.00 | 33 |
| 2024-07-01 | $201,750 (19.1%) | $260,479 (23.3%) | 0.00 | 31 |
| 2024-08-01 | $199,945 (20.7%) | $261,343 (32.4%) | 0.00 | 32 |
| 2024-09-01 | $199,470 (29.1%) | $253,034 (44.5%) | 0.00 | 37 |
| 2024-10-01 | $199,493 (25.1%) | $242,459 (38.2%) | 0.00 | 40 |
Fitzgerald's median listing price comes in at 0% of the national average.
Fitzgerald's average listing price for 2024-10-01 was $242,459, a difference of $66,951 (38.2%) versus the prior year and $-10,575 versus the prior month.
For the 2024-10-01 period, Fitzgerald had 40 MLS listings, a difference of 3 listings (8%) versus the prior month and 13 listings (48%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Fitzgerald (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,805 sqft |
| 2018-02-01 | 0 days | 1,671 sqft |
| 2018-03-01 | 0 days | 1,696 sqft |
| 2018-04-01 | 0 days | 1,801 sqft |
| 2018-05-01 | 0 days | 1,747 sqft |
| 2018-06-01 | 0 days | 1,805 sqft |
| 2018-07-01 | 0 days | 1,743 sqft |
| 2018-08-01 | 0 days | 1,831 sqft |
| 2018-09-01 | 0 days | 1,727 sqft |
| 2018-10-01 | 0 days | 1,776 sqft |
| 2018-11-01 | 0 days | 1,806 sqft |
| 2018-12-01 | 0 days | 1,799 sqft |
| 2019-01-01 | 0 days | 1,721 sqft |
| 2019-02-01 | 0 days | 1,757 sqft |
| 2019-03-01 | 0 days | 1,798 sqft |
| 2019-04-01 | 0 days | 1,798 sqft |
| 2019-05-01 | 0 days | 1,855 sqft |
| 2019-06-01 | 0 days | 1,849 sqft |
| 2019-07-01 | 0 days | 1,853 sqft |
| 2019-08-01 | 0 days | 1,786 sqft |
| 2019-09-01 | 0 days | 1,699 sqft |
| 2019-10-01 | 0 days | 1,681 sqft |
| 2019-11-01 | 0 days | 1,712 sqft |
| 2019-12-01 | 0 days | 1,797 sqft |
| 2020-01-01 | 0 days | 1,756 sqft |
| 2020-02-01 | 0 days | 1,780 sqft |
| 2020-03-01 | 0 days | 1,795 sqft |
| 2020-04-01 | 0 days | 1,748 sqft |
| 2020-05-01 | 0 days | 1,645 sqft |
| 2020-06-01 | 0 days | 1,813 sqft |
| 2020-07-01 | 0 days | 1,791 sqft |
| 2020-08-01 | 0 days | 1,642 sqft |
| 2020-09-01 | 0 days | 1,613 sqft |
| 2020-10-01 | 0 days | 1,814 sqft |
| 2020-11-01 | 0 days | 1,935 sqft |
| 2020-12-01 | 0 days | 1,805 sqft |
| 2021-01-01 | 0 days | 2,042 sqft |
| 2021-02-01 | 0 days | 2,042 sqft |
| 2021-03-01 | 0 days | 1,518 sqft |
| 2021-04-01 | 0 days | 1,516 sqft |
| 2021-05-01 | 0 days | 1,574 sqft |
| 2021-06-01 | 0 days | 1,620 sqft |
| 2021-07-01 | 0 days | 1,868 sqft |
| 2021-08-01 | 0 days | 1,902 sqft |
| 2021-09-01 | 0 days | 1,931 sqft |
| 2021-10-01 | 0 days | 2,012 sqft |
| 2021-11-01 | 0 days | 1,796 sqft |
| 2021-12-01 | 0 days | 1,875 sqft |
| 2022-01-01 | 0 days | 1,964 sqft |
| 2022-02-01 | 0 days | 1,996 sqft |
| 2022-03-01 | 0 days | 1,774 sqft |
| 2022-04-01 | 0 days | 1,738 sqft |
| 2022-05-01 | 0 days | 1,617 sqft |
| 2022-06-01 | 0 days | 1,946 sqft |
| 2022-07-01 | 0 days | 1,868 sqft |
| 2022-08-01 | 0 days | 1,773 sqft |
| 2022-09-01 | 0 days | 1,762 sqft |
| 2022-10-01 | 0 days | 1,572 sqft |
| 2022-11-01 | 0 days | 1,741 sqft |
| 2022-12-01 | 0 days | 1,616 sqft |
| 2023-01-01 | 0 days | 1,778 sqft |
| 2023-02-01 | 0 days | 1,865 sqft |
| 2023-03-01 | 0 days | 1,840 sqft |
| 2023-04-01 | 0 days | 1,957 sqft |
| 2023-05-01 | 0 days | 1,825 sqft |
| 2023-06-01 | 0 days | 1,984 sqft |
| 2023-07-01 | 0 days | 2,359 sqft |
| 2023-08-01 | 0 days | 1,905 sqft |
| 2023-09-01 | 0 days | 1,778 sqft |
| 2023-10-01 | 0 days | 1,772 sqft |
| 2023-11-01 | 0 days | 1,928 sqft |
| 2023-12-01 | 0 days | 1,962 sqft |
| 2024-01-01 | 0 days | 1,883 sqft |
| 2024-02-01 | 0 days | 1,662 sqft |
| 2024-03-01 | 0 days | 1,592 sqft |
| 2024-04-01 | 0 days | 1,626 sqft |
| 2024-05-01 | 0 days | 1,659 sqft |
| 2024-06-01 | 0 days | 1,760 sqft |
| 2024-07-01 | 0 days | 1,780 sqft |
| 2024-08-01 | 0 days | 1,824 sqft |
| 2024-09-01 | 0 days | 1,805 sqft |
| 2024-10-01 | 0 days | 1,804 sqft |
Fitzgerald's median square footage for active listings during the 2024-10-01 period was 1,804 sqft. One year prior, the average listing was 1,772 sqft.