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 2024-03-22, compared to the national average (all USDA variants) of 6.674% for the same period.

Fitzgerald's average USDA mortgage closing costs are $3,243.

The average rate for the prior week (2024-03-15) was 6.57% and one month ago for the week of 2024-02-16, the average rate was 6.86%.

The average rate one year ago was 6.65%.

For refis of the same type during the week of 2024-03-22, the average rate was 6.47%.

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

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
Fitzgerald's median listing price for 2024-02-01 was $182,450, a difference of $20,050 (12.4%) versus the prior year and $-20,473 versus the prior month.

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

Fitzgerald's average listing price for 2024-02-01 was $243,907, a difference of $57,159 (30.6%) versus the prior year and $-27,959 versus the prior month.

For the 2024-02-01 period, Fitzgerald had 33 MLS listings, a difference of 4 listings (14%) versus the prior month and 0 listings (0%) 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
Fitzgerald's median listing age (time on market) for 2024-02-01 was 0 days.

Fitzgerald's median square footage for active listings during the 2024-02-01 period was 1,662 sqft. One year prior, the average listing was 1,865 sqft.