Moultrie USDA Loan Rates, Closing Costs & Stats

Moultrie, 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.

    Moultrie's 4 lenders originated 12 USDA loans during 2023. The total origination value was $2,270,000, with an average USDA loan value of $189,167.

    Moultrie USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Moultrie averaged 6.81% for the week of 2024-04-19, compared to the national average (all USDA variants) of 6.863% for the same period.

    Moultrie's average USDA mortgage closing costs are $5,429.

    The average rate for the prior week (2024-04-12) was 6.56% and one month ago for the week of 2024-03-15, the average rate was 6.65%.

    The average rate one year ago was 6.39%.

    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.

    Moultrie 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 Moultrie level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Flagstar Bank, FSB 5 6.65% $9,909
    Ameris Bank 2 6.69% $7,078
    UNION HOME MORTGAGE CORP. 2 5.56% $5,216
    BROKER SOLUTIONS, INC. 1 6.75% $10,850

    The top Moultrie USDA lender as defined by loan originations is Flagstar Bank, FSB, with 5 USDA loans originated. Their average total fees are $9,909, which is $2,831 higher than the next largest lender, Ameris Bank.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Moultrie (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 $158,675 (5.9%) $208,924 (5.8%) 0.00 123
    2018-02-01 $159,900 (7.0%) $203,725 (2.5%) 0.00 126
    2018-03-01 $159,900 (10.3%) $203,425 (2.1%) 0.00 126
    2018-04-01 $164,700 (15.6%) $206,022 (3.4%) 0.00 129
    2018-05-01 $164,800 (15.7%) $205,335 (4.6%) 0.00 136
    2018-06-01 $164,500 (23.5%) $212,101 (11.9%) 0.00 133
    2018-07-01 $156,650 (16.1%) $211,456 (12.7%) 0.00 135
    2018-08-01 $152,450 (4.1%) $202,739 (3.1%) 0.00 131
    2018-09-01 $157,500 (7.6%) $196,058 (0.9%) 0.00 139
    2018-10-01 $153,675 (3.0%) $185,222 (-7.5%) 0.00 137
    2018-11-01 $154,900 (1.7%) $190,588 (-5.7%) 0.00 127
    2018-12-01 $149,900 (-3.3%) $193,561 (-6.2%) 0.00 111
    2019-01-01 $158,400 (-0.2%) $196,064 (-6.2%) 0.00 107
    2019-02-01 $154,900 (-3.1%) $191,861 (-5.8%) 0.00 118
    2019-03-01 $160,850 (0.6%) $200,420 (-1.5%) 0.00 112
    2019-04-01 $169,339 (2.8%) $214,938 (4.3%) 0.00 105
    2019-05-01 $164,925 (0.1%) $210,328 (2.4%) 0.00 107
    2019-06-01 $188,250 (14.4%) $222,691 (5.0%) 0.00 98
    2019-07-01 $189,900 (21.2%) $230,097 (8.8%) 0.00 102
    2019-08-01 $189,900 (24.6%) $228,397 (12.7%) 0.00 100
    2019-09-01 $189,900 (20.6%) $224,295 (14.4%) 0.00 97
    2019-10-01 $189,900 (23.6%) $221,017 (19.3%) 0.00 94
    2019-11-01 $191,700 (23.8%) $222,216 (16.6%) 0.00 90
    2019-12-01 $187,450 (25.1%) $220,063 (13.7%) 0.00 76
    2020-01-01 $191,150 (20.7%) $223,810 (14.2%) 0.00 69
    2020-02-01 $187,450 (21.0%) $223,809 (16.7%) 0.00 71
    2020-03-01 $192,700 (19.8%) $226,308 (12.9%) 0.00 68
    2020-04-01 $177,450 (4.8%) $213,283 (-0.8%) 0.00 73
    2020-05-01 $185,000 (12.2%) $225,700 (7.3%) 0.00 66
    2020-06-01 $191,175 (1.6%) $222,453 (-0.1%) 0.00 65
    2020-07-01 $199,900 (5.3%) $235,005 (2.1%) 0.00 58
    2020-08-01 $199,900 (5.3%) $225,763 (-1.2%) 0.00 54
    2020-09-01 $196,150 (3.3%) $225,313 (0.5%) 0.00 48
    2020-10-01 $202,950 (6.9%) $234,334 (6.0%) 0.00 46
    2020-11-01 $202,950 (5.9%) $238,176 (7.2%) 0.00 47
    2020-12-01 $217,175 (15.9%) $256,509 (16.6%) 0.00 42
    2021-01-01 $221,950 (16.1%) $268,664 (20.0%) 0.00 35
    2021-02-01 $237,400 (26.7%) $252,160 (12.7%) 0.00 44
    2021-03-01 $229,900 (19.3%) $234,733 (3.7%) 0.00 43
    2021-04-01 $274,500 (54.7%) $270,312 (26.7%) 0.00 29
    2021-05-01 $282,450 (52.7%) $291,267 (29.1%) 0.00 28
    2021-06-01 $261,175 (36.6%) $271,032 (21.8%) 0.00 28
    2021-07-01 $269,900 (35.0%) $299,811 (27.6%) 0.00 27
    2021-08-01 $229,925 (15.0%) $282,606 (25.2%) 0.00 42
    2021-09-01 $222,498 (13.4%) $273,234 (21.3%) 0.00 46
    2021-10-01 $222,500 (9.6%) $290,630 (24.0%) 0.00 42
    2021-11-01 $238,225 (17.4%) $301,807 (26.7%) 0.00 36
    2021-12-01 $225,000 (3.6%) $272,735 (6.3%) 0.00 40
    2022-01-01 $204,950 (-7.7%) $252,631 (-6.0%) 0.00 41
    2022-02-01 $173,450 (-26.9%) $272,985 (8.3%) 0.00 41
    2022-03-01 $189,900 (-17.4%) $284,098 (21.0%) 0.00 42
    2022-04-01 $166,950 (-39.2%) $256,888 (-5.0%) 0.00 43
    2022-05-01 $248,675 (-12.0%) $271,707 (-6.7%) 0.00 46
    2022-06-01 $267,475 (2.4%) $294,636 (8.7%) 0.00 41
    2022-07-01 $262,000 (-2.9%) $270,750 (-9.7%) 0.00 44
    2022-08-01 $218,500 (-5.0%) $258,128 (-8.7%) 0.00 45
    2022-09-01 $258,725 (16.3%) $268,554 (-1.7%) 0.00 46
    2022-10-01 $255,000 (14.6%) $253,549 (-12.8%) 0.00 55
    2022-11-01 $250,500 (5.2%) $248,033 (-17.8%) 0.00 68
    2022-12-01 $249,750 (11.0%) $251,988 (-7.6%) 0.00 79
    2023-01-01 $271,000 (32.2%) $297,642 (17.8%) 0.00 38
    2023-02-01 $270,250 (55.8%) $278,293 (1.9%) 0.00 44
    2023-03-01 $292,175 (53.9%) $286,362 (0.8%) 0.00 42
    2023-04-01 $299,900 (79.6%) $296,239 (15.3%) 0.00 32
    2023-05-01 $287,200 (15.5%) $295,630 (8.8%) 0.00 36
    2023-06-01 $303,750 (13.6%) $322,082 (9.3%) 0.00 45
    2023-07-01 $285,000 (8.8%) $335,392 (23.9%) 0.00 50
    2023-08-01 $297,500 (36.2%) $355,569 (37.8%) 0.00 47
    2023-09-01 $299,000 (15.6%) $359,413 (33.8%) 0.00 49
    2023-10-01 $302,450 (18.6%) $359,312 (41.7%) 0.00 54
    2023-11-01 $297,450 (18.7%) $337,857 (36.2%) 0.00 50
    2023-12-01 $299,900 (20.1%) $358,830 (42.4%) 0.00 49
    2024-01-01 $289,900 (7.0%) $338,096 (13.6%) 0.00 56
    2024-02-01 $287,450 (6.4%) $336,109 (20.8%) 0.00 46
    2024-03-01 $250,000 (-14.4%) $314,279 (9.8%) 0.00 52
    Moultrie's median listing price for 2024-03-01 was $250,000, a difference of $-42,175 (-14.4%) versus the prior year and $-37,450 versus the prior month.

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

    Moultrie's average listing price for 2024-03-01 was $314,279, a difference of $27,917 (9.8%) versus the prior year and $-21,830 versus the prior month.

    For the 2024-03-01 period, Moultrie had 52 MLS listings, a difference of 6 listings (13%) versus the prior month and 10 listings (24%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Moultrie (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 2,014 sqft
    2018-02-01 0 days 1,913 sqft
    2018-03-01 0 days 2,009 sqft
    2018-04-01 0 days 2,048 sqft
    2018-05-01 0 days 2,082 sqft
    2018-06-01 0 days 2,104 sqft
    2018-07-01 0 days 2,082 sqft
    2018-08-01 0 days 2,022 sqft
    2018-09-01 0 days 2,014 sqft
    2018-10-01 0 days 2,006 sqft
    2018-11-01 0 days 2,019 sqft
    2018-12-01 0 days 2,044 sqft
    2019-01-01 0 days 2,072 sqft
    2019-02-01 0 days 1,938 sqft
    2019-03-01 0 days 1,939 sqft
    2019-04-01 0 days 1,979 sqft
    2019-05-01 0 days 1,994 sqft
    2019-06-01 0 days 2,115 sqft
    2019-07-01 0 days 2,059 sqft
    2019-08-01 0 days 2,060 sqft
    2019-09-01 0 days 2,060 sqft
    2019-10-01 0 days 2,060 sqft
    2019-11-01 0 days 2,113 sqft
    2019-12-01 0 days 2,064 sqft
    2020-01-01 0 days 2,077 sqft
    2020-02-01 0 days 2,123 sqft
    2020-03-01 0 days 2,122 sqft
    2020-04-01 0 days 2,067 sqft
    2020-05-01 0 days 2,108 sqft
    2020-06-01 0 days 2,070 sqft
    2020-07-01 0 days 2,169 sqft
    2020-08-01 0 days 2,153 sqft
    2020-09-01 0 days 2,176 sqft
    2020-10-01 0 days 2,176 sqft
    2020-11-01 0 days 2,139 sqft
    2020-12-01 0 days 2,561 sqft
    2021-01-01 0 days 2,650 sqft
    2021-02-01 0 days 2,537 sqft
    2021-03-01 0 days 2,519 sqft
    2021-04-01 0 days 2,666 sqft
    2021-05-01 0 days 2,533 sqft
    2021-06-01 0 days 2,136 sqft
    2021-07-01 0 days 2,319 sqft
    2021-08-01 0 days 2,106 sqft
    2021-09-01 0 days 2,097 sqft
    2021-10-01 0 days 2,111 sqft
    2021-11-01 0 days 2,073 sqft
    2021-12-01 0 days 1,820 sqft
    2022-01-01 0 days 1,821 sqft
    2022-02-01 0 days 2,022 sqft
    2022-03-01 0 days 1,904 sqft
    2022-04-01 0 days 1,953 sqft
    2022-05-01 0 days 2,062 sqft
    2022-06-01 0 days 2,363 sqft
    2022-07-01 0 days 2,356 sqft
    2022-08-01 0 days 1,977 sqft
    2022-09-01 0 days 1,959 sqft
    2022-10-01 0 days 1,944 sqft
    2022-11-01 0 days 1,993 sqft
    2022-12-01 0 days 2,018 sqft
    2023-01-01 0 days 2,141 sqft
    2023-02-01 0 days 1,876 sqft
    2023-03-01 0 days 1,954 sqft
    2023-04-01 0 days 1,862 sqft
    2023-05-01 0 days 1,928 sqft
    2023-06-01 0 days 1,999 sqft
    2023-07-01 0 days 1,876 sqft
    2023-08-01 0 days 2,028 sqft
    2023-09-01 0 days 1,926 sqft
    2023-10-01 0 days 1,895 sqft
    2023-11-01 0 days 1,800 sqft
    2023-12-01 0 days 1,800 sqft
    2024-01-01 0 days 1,746 sqft
    2024-02-01 0 days 1,733 sqft
    2024-03-01 0 days 1,766 sqft
    Moultrie's median listing age (time on market) for 2024-03-01 was 0 days.

    Moultrie's median square footage for active listings during the 2024-03-01 period was 1,766 sqft. One year prior, the average listing was 1,954 sqft.