Hinesville USDA Loan Rates, Closing Costs & Stats

HINESVILLE, 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.

    Hinesville's 7 lenders originated 8 USDA loans during 2023. The total origination value was $2,590,000, with an average USDA loan value of $323,750.

    Hinesville USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Hinesville averaged 6.4% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Hinesville's average USDA mortgage closing costs are $5,261.

    The average rate for the prior week (2025-02-07) was 6.36% and one month ago for the week of 2025-01-10, the average rate was 6.41%.

    The average rate one year ago was 6.4%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.11%.

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

    Hinesville 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 Hinesville level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Ameris Bank 1 6.50% $8,192
    BROKER SOLUTIONS, INC. 1 6.25% $8,221
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.13% $7,224
    GUARANTEED RATE, INC. 1 6.75% $9,593
    GUILD MORTGAGE COMPANY 1 7.13% $7,157
    SWBC MORTGAGE CORPORATION 1 6.75% $4,746
    TOWNE MORTGAGE COMPANY 1 7.00% $13,028

    The top Hinesville USDA lender as defined by loan originations is Ameris Bank, with 1 USDA loans originated. Their average total fees are $8,192, which is $29 lower than the next largest lender, BROKER SOLUTIONS, INC..

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Hinesville (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 $162,500 (8.4%) $181,264 (13.2%) 0.00 419
    2018-02-01 $160,000 (5.9%) $174,249 (6.0%) 0.00 433
    2018-03-01 $164,900 (7.3%) $174,040 (4.6%) 0.00 478
    2018-04-01 $164,900 (6.5%) $174,739 (5.5%) 0.00 481
    2018-05-01 $162,400 (3.9%) $174,558 (4.4%) 0.00 482
    2018-06-01 $164,500 (5.8%) $178,160 (5.5%) 0.00 468
    2018-07-01 $169,900 (6.2%) $197,012 (13.7%) 0.00 506
    2018-08-01 $169,275 (4.2%) $197,850 (12.4%) 0.00 489
    2018-09-01 $170,000 (6.3%) $199,431 (10.8%) 0.00 490
    2018-10-01 $172,000 (8.4%) $201,864 (13.6%) 0.00 500
    2018-11-01 $174,425 (7.7%) $204,500 (13.2%) 0.00 481
    2018-12-01 $167,775 (2.3%) $200,260 (9.8%) 0.00 491
    2019-01-01 $168,673 (3.8%) $200,367 (10.5%) 0.00 488
    2019-02-01 $165,998 (3.8%) $198,046 (13.7%) 0.00 499
    2019-03-01 $166,811 (1.2%) $196,720 (13.0%) 0.00 494
    2019-04-01 $165,189 (0.2%) $195,033 (11.6%) 0.00 487
    2019-05-01 $165,700 (2.0%) $196,022 (12.3%) 0.00 487
    2019-06-01 $163,450 (-0.6%) $193,785 (8.8%) 0.00 482
    2019-07-01 $159,945 (-5.9%) $190,992 (-3.1%) 0.00 478
    2019-08-01 $160,282 (-5.3%) $191,034 (-3.5%) 0.00 463
    2019-09-01 $160,855 (-5.4%) $193,567 (-2.9%) 0.00 451
    2019-10-01 $163,100 (-5.2%) $195,430 (-3.2%) 0.00 444
    2019-11-01 $170,925 (-2.0%) $204,397 (-0.1%) 0.00 452
    2019-12-01 $173,825 (3.6%) $204,796 (2.3%) 0.00 455
    2020-01-01 $177,381 (5.2%) $208,115 (3.9%) 0.00 426
    2020-02-01 $181,325 (9.2%) $215,837 (9.0%) 0.00 418
    2020-03-01 $179,933 (7.9%) $218,075 (10.9%) 0.00 417
    2020-04-01 $183,475 (11.1%) $219,891 (12.8%) 0.00 397
    2020-05-01 $185,813 (12.1%) $222,132 (13.3%) 0.00 361
    2020-06-01 $184,728 (13.0%) $223,317 (15.2%) 0.00 320
    2020-07-01 $188,875 (18.1%) $210,002 (10.0%) 0.00 320
    2020-08-01 $189,900 (18.5%) $210,270 (10.1%) 0.00 290
    2020-09-01 $189,950 (18.1%) $212,323 (9.7%) 0.00 269
    2020-10-01 $193,990 (18.9%) $212,363 (8.7%) 0.00 246
    2020-11-01 $195,348 (14.3%) $210,465 (3.0%) 0.00 252
    2020-12-01 $198,350 (14.1%) $211,618 (3.3%) 0.00 251
    2021-01-01 $199,691 (12.6%) $213,276 (2.5%) 0.00 250
    2021-02-01 $210,448 (16.1%) $223,265 (3.4%) 0.00 237
    2021-03-01 $207,400 (15.3%) $234,052 (7.3%) 0.00 176
    2021-04-01 $234,700 (27.9%) $268,794 (22.2%) 0.00 147
    2021-05-01 $239,500 (28.9%) $269,099 (21.1%) 0.00 141
    2021-06-01 $239,694 (29.8%) $268,092 (20.1%) 0.00 140
    2021-07-01 $240,050 (27.1%) $269,767 (28.5%) 0.00 138
    2021-08-01 $249,972 (31.6%) $268,338 (27.6%) 0.00 141
    2021-09-01 $248,236 (30.7%) $281,722 (32.7%) 0.00 140
    2021-10-01 $250,000 (28.9%) $281,962 (32.8%) 0.00 169
    2021-11-01 $254,190 (30.1%) $289,125 (37.4%) 0.00 140
    2021-12-01 $285,837 (44.1%) $309,034 (46.0%) 0.00 149
    2022-01-01 $275,837 (38.1%) $296,249 (38.9%) 0.00 112
    2022-02-01 $274,057 (30.2%) $301,774 (35.2%) 0.00 84
    2022-03-01 $281,788 (35.9%) $298,385 (27.5%) 0.00 104
    2022-04-01 $267,940 (14.2%) $295,255 (9.8%) 0.00 113
    2022-05-01 $275,749 (15.1%) $291,287 (8.3%) 0.00 179
    2022-06-01 $275,448 (14.9%) $295,823 (10.3%) 0.00 214
    2022-07-01 $275,995 (15.0%) $299,840 (11.2%) 0.00 223
    2022-08-01 $269,971 (8.0%) $290,153 (8.1%) 0.00 246
    2022-09-01 $271,874 (9.5%) $291,514 (3.5%) 0.00 234
    2022-10-01 $268,100 (7.2%) $286,921 (1.8%) 0.00 247
    2022-11-01 $268,431 (5.6%) $292,389 (1.1%) 0.00 260
    2022-12-01 $268,300 (-6.1%) $289,853 (-6.2%) 0.00 267
    2023-01-01 $268,838 (-2.5%) $290,867 (-1.8%) 0.00 254
    2023-02-01 $271,125 (-1.1%) $296,468 (-1.8%) 0.00 254
    2023-03-01 $270,125 (-4.1%) $296,852 (-0.5%) 0.00 250
    2023-04-01 $274,835 (2.6%) $299,964 (1.6%) 0.00 229
    2023-05-01 $277,350 (0.6%) $305,715 (5.0%) 0.00 228
    2023-06-01 $279,888 (1.6%) $306,247 (3.5%) 0.00 229
    2023-07-01 $282,900 (2.5%) $314,750 (5.0%) 0.00 240
    2023-08-01 $279,813 (3.7%) $302,517 (4.3%) 0.00 260
    2023-09-01 $283,525 (4.3%) $305,964 (5.0%) 0.00 325
    2023-10-01 $285,180 (6.4%) $309,721 (8.0%) 0.00 360
    2023-11-01 $284,975 (6.2%) $311,332 (6.5%) 0.00 379
    2023-12-01 $283,663 (5.7%) $315,886 (9.0%) 0.00 369
    2024-01-01 $279,999 (4.2%) $315,941 (8.6%) 0.00 357
    2024-02-01 $277,500 (2.4%) $309,770 (4.5%) 0.00 370
    2024-03-01 $282,000 (4.4%) $311,839 (5.1%) 0.00 339
    2024-04-01 $283,931 (3.3%) $317,454 (5.8%) 0.00 320
    2024-05-01 $285,650 (3.0%) $329,074 (7.6%) 0.00 285
    2024-06-01 $283,400 (1.3%) $325,981 (6.4%) 0.00 281
    2024-07-01 $289,919 (2.5%) $323,272 (2.7%) 0.00 284
    2024-08-01 $288,500 (3.1%) $313,304 (3.6%) 0.00 316
    2024-09-01 $296,663 (4.6%) $322,374 (5.4%) 0.00 331
    2024-10-01 $299,144 (4.9%) $322,220 (4.0%) 0.00 333
    2024-11-01 $300,825 (5.6%) $329,647 (5.9%) 0.00 335
    2024-12-01 $301,250 (6.2%) $324,337 (2.7%) 0.00 321
    2025-01-01 $302,344 (8.0%) $323,318 (2.3%) 0.00 315
    Hinesville's median listing price for 2025-01-01 was $302,344, a difference of $22,345 (8.0%) versus the prior year and $1,094 versus the prior month.

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

    Hinesville's average listing price for 2025-01-01 was $323,318, a difference of $7,377 (2.3%) versus the prior year and $-1,019 versus the prior month.

    For the 2025-01-01 period, Hinesville had 315 MLS listings, a difference of -6 listings (-2%) versus the prior month and -42 listings (-12%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Hinesville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,761 sqft
    2018-02-01 0 days 1,729 sqft
    2018-03-01 0 days 1,768 sqft
    2018-04-01 0 days 1,755 sqft
    2018-05-01 0 days 1,713 sqft
    2018-06-01 0 days 1,749 sqft
    2018-07-01 0 days 1,797 sqft
    2018-08-01 0 days 1,801 sqft
    2018-09-01 0 days 1,848 sqft
    2018-10-01 0 days 1,872 sqft
    2018-11-01 0 days 1,900 sqft
    2018-12-01 0 days 1,862 sqft
    2019-01-01 0 days 1,852 sqft
    2019-02-01 0 days 1,807 sqft
    2019-03-01 0 days 1,810 sqft
    2019-04-01 0 days 1,802 sqft
    2019-05-01 0 days 1,801 sqft
    2019-06-01 0 days 1,792 sqft
    2019-07-01 0 days 1,681 sqft
    2019-08-01 0 days 1,704 sqft
    2019-09-01 0 days 1,748 sqft
    2019-10-01 0 days 1,779 sqft
    2019-11-01 0 days 1,799 sqft
    2019-12-01 0 days 1,801 sqft
    2020-01-01 0 days 1,799 sqft
    2020-02-01 0 days 1,855 sqft
    2020-03-01 0 days 1,827 sqft
    2020-04-01 0 days 1,819 sqft
    2020-05-01 0 days 1,894 sqft
    2020-06-01 0 days 1,803 sqft
    2020-07-01 0 days 1,860 sqft
    2020-08-01 0 days 1,831 sqft
    2020-09-01 0 days 1,874 sqft
    2020-10-01 0 days 1,902 sqft
    2020-11-01 0 days 1,874 sqft
    2020-12-01 0 days 1,881 sqft
    2021-01-01 0 days 1,863 sqft
    2021-02-01 0 days 1,892 sqft
    2021-03-01 0 days 1,831 sqft
    2021-04-01 0 days 2,042 sqft
    2021-05-01 0 days 2,039 sqft
    2021-06-01 0 days 2,053 sqft
    2021-07-01 0 days 2,002 sqft
    2021-08-01 0 days 1,997 sqft
    2021-09-01 0 days 1,958 sqft
    2021-10-01 0 days 2,002 sqft
    2021-11-01 0 days 1,981 sqft
    2021-12-01 0 days 2,155 sqft
    2022-01-01 0 days 2,133 sqft
    2022-02-01 0 days 2,125 sqft
    2022-03-01 0 days 1,987 sqft
    2022-04-01 0 days 1,810 sqft
    2022-05-01 0 days 1,919 sqft
    2022-06-01 0 days 1,977 sqft
    2022-07-01 0 days 1,975 sqft
    2022-08-01 0 days 1,899 sqft
    2022-09-01 0 days 1,894 sqft
    2022-10-01 0 days 1,862 sqft
    2022-11-01 0 days 1,925 sqft
    2022-12-01 0 days 1,888 sqft
    2023-01-01 0 days 1,864 sqft
    2023-02-01 0 days 1,893 sqft
    2023-03-01 0 days 1,875 sqft
    2023-04-01 0 days 1,960 sqft
    2023-05-01 0 days 1,929 sqft
    2023-06-01 0 days 1,925 sqft
    2023-07-01 0 days 1,937 sqft
    2023-08-01 0 days 1,929 sqft
    2023-09-01 0 days 1,926 sqft
    2023-10-01 0 days 1,925 sqft
    2023-11-01 0 days 1,923 sqft
    2023-12-01 0 days 1,925 sqft
    2024-01-01 0 days 1,882 sqft
    2024-02-01 0 days 1,835 sqft
    2024-03-01 0 days 1,920 sqft
    2024-04-01 0 days 1,907 sqft
    2024-05-01 0 days 1,923 sqft
    2024-06-01 0 days 1,823 sqft
    2024-07-01 0 days 1,914 sqft
    2024-08-01 0 days 1,890 sqft
    2024-09-01 0 days 1,926 sqft
    2024-10-01 0 days 1,951 sqft
    2024-11-01 0 days 1,977 sqft
    2024-12-01 0 days 1,960 sqft
    2025-01-01 0 days 1,944 sqft
    Hinesville's median listing age (time on market) for 2025-01-01 was 0 days.

    Hinesville's median square footage for active listings during the 2025-01-01 period was 1,944 sqft. One year prior, the average listing was 1,882 sqft.