Macon USDA Loan Rates, Closing Costs & Stats

MACON-BIBB COUNTY, GA

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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.

    Macon's 13 lenders originated 17 USDA loans during 2023. The total origination value was $3,145,000, with an average USDA loan value of $185,000.

    Macon USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Macon averaged 6.31% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Macon's average USDA mortgage closing costs are $5,087.

    The average rate for the prior week (2025-02-07) was 6.57% and one month ago for the week of 2025-01-10, the average rate was 6.62%.

    The average rate one year ago was 6.61%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.74%.

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

    Macon 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 Macon level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. 3 6.46% $6,812
    Renasant Bank 2 6.25% $5,736
    ACOPIA, LLC 2 6.56% $8,122
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.25% $2,115
    FIRST COMMUNITY MORTGAGE, INC. 1 6.13% $8,789
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 7.50% $10,769
    HOMESPIRE MORTGAGE CORPORATION 1 6.25% $4,588
    PLANET HOME LENDING, LLC 1 6.63% $9,915
    UNITED WHOLESALE MORTGAGE, LLC 1 5.88% $7,194
    US MORTGAGE CORPORATION 1 7.50% $8,830
    VAN DYK MORTGAGE CORPORATION 1 7.25% $2,531
    BROKER SOLUTIONS, INC. 1 6.75% $8,479
    CROSSCOUNTRY MORTGAGE, LLC 1 6.25% $9,928

    The top Macon USDA lender as defined by loan originations is ATLANTIC BAY MORTGAGE GROUP, L.L.C., with 3 USDA loans originated. Their average total fees are $6,812, which is $1,075 higher than the next largest lender, Renasant Bank.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Macon (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 $140,995 (1.1%) $187,948 (-1.0%) 0.52 750
    2018-02-01 $139,925 (0.0%) $187,262 (-1.5%) 0.51 763
    2018-03-01 $144,990 (-1.0%) $194,567 (-2.5%) 0.51 785
    2018-04-01 $149,700 (0.5%) $202,669 (1.9%) 0.51 815
    2018-05-01 $150,445 (0.4%) $210,527 (7.0%) 0.50 833
    2018-06-01 $157,500 (4.8%) $215,471 (7.8%) 0.53 843
    2018-07-01 $159,800 (6.6%) $213,850 (7.1%) 0.53 864
    2018-08-01 $162,400 (4.8%) $216,757 (5.5%) 0.54 878
    2018-09-01 $164,250 (9.6%) $219,623 (8.6%) 0.55 884
    2018-10-01 $165,000 (17.9%) $219,237 (14.5%) 0.56 885
    2018-11-01 $164,475 (13.6%) $221,820 (13.1%) 0.56 884
    2018-12-01 $159,500 (12.3%) $216,935 (15.3%) 0.55 851
    2019-01-01 $152,623 (8.3%) $217,964 (16.0%) 0.53 792
    2019-02-01 $153,973 (10.0%) $219,011 (17.0%) 0.52 803
    2019-03-01 $125,671 (-13.3%) $192,902 (-0.9%) 0.41 1,145
    2019-04-01 $88,650 (-40.8%) $162,585 (-19.8%) 0.28 1,606
    2019-05-01 $90,000 (-40.2%) $166,481 (-20.9%) 0.28 1,617
    2019-06-01 $172,000 (9.2%) $242,722 (12.7%) 0.54 936
    2019-07-01 $159,993 (0.1%) $235,311 (10.0%) 0.50 954
    2019-08-01 $158,605 (-2.3%) $237,021 (9.4%) 0.50 945
    2019-09-01 $156,521 (-4.7%) $236,686 (7.8%) 0.50 929
    2019-10-01 $157,632 (-4.5%) $239,885 (9.4%) 0.51 911
    2019-11-01 $159,990 (-2.7%) $246,001 (10.9%) 0.52 848
    2019-12-01 $159,900 (0.3%) $242,414 (11.7%) 0.53 825
    2020-01-01 $159,000 (4.2%) $238,514 (9.4%) 0.53 785
    2020-02-01 $152,990 (-0.6%) $237,422 (8.4%) 0.50 800
    2020-03-01 $150,990 (20.2%) $236,566 (22.6%) 0.47 780
    2020-04-01 $150,620 (69.9%) $240,871 (48.2%) 0.47 776
    2020-05-01 $158,500 (76.1%) $255,531 (53.5%) 0.48 706
    2020-06-01 $163,745 (-4.8%) $266,163 (9.7%) 0.48 594
    2020-07-01 $172,423 (7.8%) $271,355 (15.3%) 0.50 583
    2020-08-01 $179,900 (13.4%) $281,427 (18.7%) 0.52 502
    2020-09-01 $170,450 (8.9%) $278,673 (17.7%) 0.49 470
    2020-10-01 $168,990 (7.2%) $493,202 (105.6%) 0.48 464
    2020-11-01 $174,945 (9.4%) $289,133 (17.5%) 0.51 436
    2020-12-01 $182,495 (14.1%) $298,290 (23.1%) 0.54 423
    2021-01-01 $175,990 (10.7%) $295,210 (23.8%) 0.53 397
    2021-02-01 $179,300 (17.2%) $289,626 (22.0%) 0.52 348
    2021-03-01 $197,400 (30.7%) $290,589 (22.8%) 0.56 353
    2021-04-01 $197,175 (30.9%) $293,520 (21.9%) 0.54 368
    2021-05-01 $189,900 (19.8%) $263,200 (3.0%) 0.50 370
    2021-06-01 $183,445 (12.0%) $260,639 (-2.1%) 0.48 416
    2021-07-01 $190,000 (10.2%) $260,524 (-4.0%) 0.50 453
    2021-08-01 $196,373 (9.2%) $258,634 (-8.1%) 0.52 499
    2021-09-01 $208,745 (22.5%) $327,487 (17.5%) 0.56 542
    2021-10-01 $215,000 (27.2%) $427,097 (-13.4%) 0.57 493
    2021-11-01 $213,490 (22.0%) $452,708 (56.6%) 0.57 467
    2021-12-01 $207,748 (13.8%) $472,086 (58.3%) 0.56 402
    2022-01-01 $199,000 (13.1%) $468,284 (58.6%) 0.54 402
    2022-02-01 $167,550 (-6.6%) $445,081 (53.7%) 0.44 394
    2022-03-01 $169,950 (-13.9%) $337,399 (16.1%) 0.43 394
    2022-04-01 $187,700 (-4.8%) $462,495 (57.6%) 0.45 390
    2022-05-01 $215,000 (13.2%) $571,935 (117.3%) 0.49 426
    2022-06-01 $232,748 (26.9%) $454,521 (74.4%) 0.52 482
    2022-07-01 $239,995 (26.3%) $461,262 (77.1%) 0.54 517
    2022-08-01 $229,950 (17.1%) $427,736 (65.4%) 0.53 528
    2022-09-01 $235,000 (12.6%) $397,111 (21.3%) 0.55 539
    2022-10-01 $225,995 (5.1%) $390,903 (-8.5%) 0.53 564
    2022-11-01 $225,000 (5.4%) $413,142 (-8.7%) 0.54 580
    2022-12-01 $239,450 (15.3%) $417,961 (-11.5%) 0.59 562
    2023-01-01 $236,975 (19.1%) $405,444 (-13.4%) 0.59 549
    2023-02-01 $209,095 (24.8%) $312,372 (-29.8%) 0.50 531
    2023-03-01 $227,225 (33.7%) $293,472 (-13.0%) 0.54 529
    2023-04-01 $232,500 (23.9%) $287,293 (-37.9%) 0.54 544
    2023-05-01 $244,900 (13.9%) $292,299 (-48.9%) 0.56 549
    2023-06-01 $259,375 (11.4%) $303,360 (-33.3%) 0.58 561
    2023-07-01 $259,000 (7.9%) $305,180 (-33.8%) 0.59 593
    2023-08-01 $252,075 (9.6%) $300,307 (-29.8%) 0.58 645
    2023-09-01 $249,900 (6.3%) $292,306 (-26.4%) 0.58 689
    2023-10-01 $240,029 (6.2%) $291,801 (-25.4%) 0.56 727
    2023-11-01 $234,533 (4.2%) $288,295 (-30.2%) 0.56 722
    2023-12-01 $225,000 (-6.0%) $282,654 (-32.4%) 0.55 694
    2024-01-01 $229,950 (-3.0%) $280,682 (-30.8%) 0.56 683
    2024-02-01 $233,153 (11.5%) $288,226 (-7.7%) 0.56 688
    2024-03-01 $217,500 (-4.3%) $278,287 (-5.2%) 0.51 719
    2024-04-01 $223,325 (-4.0%) $279,736 (-2.6%) 0.52 747
    2024-05-01 $217,450 (-11.2%) $284,325 (-2.7%) 0.50 731
    2024-06-01 $219,500 (-15.4%) $291,431 (-3.9%) 0.49 766
    2024-07-01 $219,850 (-15.1%) $289,157 (-5.3%) 0.50 823
    2024-08-01 $220,000 (-12.7%) $285,547 (-4.9%) 0.51 838
    2024-09-01 $222,500 (-11.0%) $283,279 (-3.1%) 0.52 845
    2024-10-01 $234,450 (-2.3%) $284,491 (-2.5%) 0.55 857
    2024-11-01 $224,900 (-4.1%) $279,305 (-3.1%) 0.54 866
    2024-12-01 $229,950 (2.2%) $285,433 (1.0%) 0.57 834
    2025-01-01 $231,850 (0.8%) $284,372 (1.3%) 0.00 783
    Macon's median listing price for 2025-01-01 was $231,850, a difference of $1,900 (0.8%) versus the prior year and $1,900 versus the prior month.

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

    Macon's average listing price for 2025-01-01 was $284,372, a difference of $3,690 (1.3%) versus the prior year and $-1,061 versus the prior month.

    For the 2025-01-01 period, Macon had 783 MLS listings, a difference of -51 listings (-6%) versus the prior month and 100 listings (15%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Macon (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 79 days 1,916 sqft
    2018-02-01 82 days 1,920 sqft
    2018-03-01 66 days 1,986 sqft
    2018-04-01 70 days 2,022 sqft
    2018-05-01 67 days 2,026 sqft
    2018-06-01 73 days 2,043 sqft
    2018-07-01 74 days 2,022 sqft
    2018-08-01 71 days 2,056 sqft
    2018-09-01 79 days 2,042 sqft
    2018-10-01 83 days 2,074 sqft
    2018-11-01 88 days 2,050 sqft
    2018-12-01 93 days 2,007 sqft
    2019-01-01 102 days 1,980 sqft
    2019-02-01 97 days 1,950 sqft
    2019-03-01 83 days 1,975 sqft
    2019-04-01 76 days 2,016 sqft
    2019-05-01 77 days 2,046 sqft
    2019-06-01 74 days 2,018 sqft
    2019-07-01 73 days 2,008 sqft
    2019-08-01 77 days 2,004 sqft
    2019-09-01 80 days 1,997 sqft
    2019-10-01 85 days 1,992 sqft
    2019-11-01 92 days 2,008 sqft
    2019-12-01 93 days 2,000 sqft
    2020-01-01 100 days 1,967 sqft
    2020-02-01 84 days 1,897 sqft
    2020-03-01 67 days 1,889 sqft
    2020-04-01 76 days 1,874 sqft
    2020-05-01 75 days 1,887 sqft
    2020-06-01 81 days 1,966 sqft
    2020-07-01 65 days 2,075 sqft
    2020-08-01 68 days 2,079 sqft
    2020-09-01 63 days 1,954 sqft
    2020-10-01 59 days 1,897 sqft
    2020-11-01 53 days 1,902 sqft
    2020-12-01 54 days 1,930 sqft
    2021-01-01 54 days 1,949 sqft
    2021-02-01 50 days 1,952 sqft
    2021-03-01 42 days 1,961 sqft
    2021-04-01 39 days 1,961 sqft
    2021-05-01 44 days 1,919 sqft
    2021-06-01 38 days 1,854 sqft
    2021-07-01 47 days 1,858 sqft
    2021-08-01 47 days 1,904 sqft
    2021-09-01 46 days 1,962 sqft
    2021-10-01 51 days 1,964 sqft
    2021-11-01 56 days 1,983 sqft
    2021-12-01 59 days 1,930 sqft
    2022-01-01 54 days 1,800 sqft
    2022-02-01 36 days 1,662 sqft
    2022-03-01 34 days 1,670 sqft
    2022-04-01 37 days 1,786 sqft
    2022-05-01 39 days 1,851 sqft
    2022-06-01 33 days 1,884 sqft
    2022-07-01 43 days 1,886 sqft
    2022-08-01 47 days 1,875 sqft
    2022-09-01 45 days 1,929 sqft
    2022-10-01 43 days 1,915 sqft
    2022-11-01 49 days 1,924 sqft
    2022-12-01 61 days 1,906 sqft
    2023-01-01 61 days 1,926 sqft
    2023-02-01 52 days 1,870 sqft
    2023-03-01 49 days 1,881 sqft
    2023-04-01 44 days 1,900 sqft
    2023-05-01 46 days 1,971 sqft
    2023-06-01 48 days 2,100 sqft
    2023-07-01 48 days 2,100 sqft
    2023-08-01 49 days 2,084 sqft
    2023-09-01 54 days 1,980 sqft
    2023-10-01 56 days 1,954 sqft
    2023-11-01 61 days 1,911 sqft
    2023-12-01 72 days 1,870 sqft
    2024-01-01 72 days 1,866 sqft
    2024-02-01 58 days 1,860 sqft
    2024-03-01 59 days 1,782 sqft
    2024-04-01 56 days 1,802 sqft
    2024-05-01 52 days 1,779 sqft
    2024-06-01 50 days 1,795 sqft
    2024-07-01 54 days 1,799 sqft
    2024-08-01 58 days 1,812 sqft
    2024-09-01 59 days 1,824 sqft
    2024-10-01 60 days 1,859 sqft
    2024-11-01 72 days 1,814 sqft
    2024-12-01 80 days 1,805 sqft
    2025-01-01 0 days 1,866 sqft
    Macon's median listing age (time on market) for 2025-01-01 was 0 days. This is -100% shorter than the same period one year ago.

    Macon's median square footage for active listings during the 2025-01-01 period was 1,866 sqft. One year prior, the average listing was 1,866 sqft.