St. Marys USDA Loan Rates, Closing Costs & Stats
St. Marys, 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.
St. Marys's 4 lenders originated 7 USDA loans during 2023. The total origination value was $1,655,000, with an average USDA loan value of $236,429.
St. Marys USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in St. Marys
averaged
6.37%
for the week of 2024-11-08, compared to the national average (all USDA variants) of
6.477% for the same period.
St. Marys's average USDA mortgage closing costs are $4,512.
The average rate for the prior week (2024-11-01) was
5.94% and
one month ago for the week of 2024-10-04, the
average rate was 5.66%.
The average rate one year ago was 7.3%.
For refis of the same type during the week of 2024-11-08, the average rate
was 6.48%.
St. Marys 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 St. Marys level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| GUARANTEED RATE, INC. | 4 | 6.12% | $9,904 |
| CMG MORTGAGE, INC. | 1 | 6.75% | $9,493 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 1 | 6.13% | $7,809 |
| MORTGAGE INVESTORS GROUP, INC. | 1 | 5.75% | $7,747 |
The top St. Marys USDA lender as defined by loan originations is GUARANTEED RATE, INC., with
4 USDA loans originated. Their average total fees are
$9,904, which is $411
higher than the next largest lender,
CMG MORTGAGE, INC..
The lowest fee St. Marys USDA lenders (with over 10 loans originated) are
.
The lowest rate St. Marys USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - St. Marys (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 | $219,948 (-2.2%) | $258,449 (2.6%) | 0.00 | 302 |
| 2018-02-01 | $225,000 (-0.4%) | $272,766 (6.8%) | 0.00 | 301 |
| 2018-03-01 | $229,000 (4.1%) | $265,182 (4.1%) | 0.00 | 310 |
| 2018-04-01 | $234,450 (7.1%) | $277,752 (7.6%) | 0.00 | 302 |
| 2018-05-01 | $239,000 (12.8%) | $283,658 (11.4%) | 0.00 | 297 |
| 2018-06-01 | $233,900 (13.6%) | $281,865 (11.2%) | 0.00 | 324 |
| 2018-07-01 | $229,995 (12.5%) | $276,414 (11.0%) | 0.00 | 341 |
| 2018-08-01 | $228,223 (12.4%) | $279,778 (13.2%) | 0.00 | 355 |
| 2018-09-01 | $225,000 (10.8%) | $278,298 (13.4%) | 0.00 | 360 |
| 2018-10-01 | $219,700 (5.4%) | $271,280 (7.7%) | 0.00 | 390 |
| 2018-11-01 | $217,000 (1.3%) | $264,388 (3.5%) | 0.00 | 403 |
| 2018-12-01 | $219,250 (-0.8%) | $266,210 (2.2%) | 0.00 | 382 |
| 2019-01-01 | $217,000 (-1.3%) | $270,291 (4.6%) | 0.00 | 340 |
| 2019-02-01 | $215,000 (-4.4%) | $274,317 (0.6%) | 0.00 | 338 |
| 2019-03-01 | $218,086 (-4.8%) | $283,136 (6.8%) | 0.00 | 323 |
| 2019-04-01 | $217,136 (-7.4%) | $287,116 (3.4%) | 0.00 | 307 |
| 2019-05-01 | $219,444 (-8.2%) | $285,606 (0.7%) | 0.00 | 298 |
| 2019-06-01 | $219,450 (-6.2%) | $282,672 (0.3%) | 0.00 | 299 |
| 2019-07-01 | $234,850 (2.1%) | $286,517 (3.7%) | 0.00 | 296 |
| 2019-08-01 | $238,873 (4.7%) | $288,399 (3.1%) | 0.00 | 283 |
| 2019-09-01 | $245,132 (9.0%) | $292,904 (5.3%) | 0.00 | 265 |
| 2019-10-01 | $251,250 (14.4%) | $295,665 (9.0%) | 0.00 | 253 |
| 2019-11-01 | $255,000 (17.5%) | $293,965 (11.2%) | 0.00 | 268 |
| 2019-12-01 | $249,900 (14.0%) | $298,622 (12.2%) | 0.00 | 256 |
| 2020-01-01 | $249,925 (15.2%) | $302,512 (11.9%) | 0.00 | 249 |
| 2020-02-01 | $240,000 (11.6%) | $299,970 (9.4%) | 0.00 | 241 |
| 2020-03-01 | $264,900 (21.5%) | $321,032 (13.4%) | 0.00 | 230 |
| 2020-04-01 | $277,400 (27.8%) | $322,687 (12.4%) | 0.00 | 230 |
| 2020-05-01 | $299,900 (36.7%) | $337,981 (18.3%) | 0.00 | 198 |
| 2020-06-01 | $304,725 (38.9%) | $342,977 (21.3%) | 0.00 | 202 |
| 2020-07-01 | $299,225 (27.4%) | $338,687 (18.2%) | 0.00 | 196 |
| 2020-08-01 | $296,000 (23.9%) | $337,613 (17.1%) | 0.00 | 175 |
| 2020-09-01 | $287,400 (17.2%) | $334,702 (14.3%) | 0.00 | 180 |
| 2020-10-01 | $289,000 (15.0%) | $335,727 (13.6%) | 0.00 | 185 |
| 2020-11-01 | $294,446 (15.5%) | $339,651 (15.5%) | 0.00 | 175 |
| 2020-12-01 | $288,998 (15.7%) | $336,245 (12.6%) | 0.00 | 177 |
| 2021-01-01 | $290,000 (16.0%) | $345,105 (14.1%) | 0.00 | 137 |
| 2021-02-01 | $290,425 (21.0%) | $363,020 (21.0%) | 0.00 | 120 |
| 2021-03-01 | $314,900 (18.9%) | $386,511 (20.4%) | 0.00 | 101 |
| 2021-04-01 | $318,250 (14.7%) | $403,673 (25.1%) | 0.00 | 67 |
| 2021-05-01 | $299,450 (-0.2%) | $394,747 (16.8%) | 0.00 | 76 |
| 2021-06-01 | $302,450 (-0.8%) | $378,796 (10.4%) | 0.00 | 88 |
| 2021-07-01 | $299,900 (0.2%) | $367,062 (8.4%) | 0.00 | 105 |
| 2021-08-01 | $298,200 (0.7%) | $360,316 (6.7%) | 0.00 | 115 |
| 2021-09-01 | $294,800 (2.6%) | $375,190 (12.1%) | 0.00 | 95 |
| 2021-10-01 | $309,900 (7.2%) | $379,014 (12.9%) | 0.00 | 112 |
| 2021-11-01 | $332,500 (12.9%) | $366,393 (7.9%) | 0.00 | 119 |
| 2021-12-01 | $322,450 (11.6%) | $413,703 (23.0%) | 0.00 | 119 |
| 2022-01-01 | $349,050 (20.4%) | $438,966 (27.2%) | 0.00 | 105 |
| 2022-02-01 | $386,250 (33.0%) | $488,974 (34.7%) | 0.00 | 83 |
| 2022-03-01 | $380,970 (21.0%) | $487,457 (26.1%) | 0.00 | 62 |
| 2022-04-01 | $378,195 (18.8%) | $500,733 (24.0%) | 0.00 | 65 |
| 2022-05-01 | $377,200 (26.0%) | $473,122 (19.9%) | 0.00 | 79 |
| 2022-06-01 | $377,473 (24.8%) | $476,163 (25.7%) | 0.00 | 92 |
| 2022-07-01 | $370,000 (23.4%) | $443,883 (20.9%) | 0.00 | 133 |
| 2022-08-01 | $387,150 (29.8%) | $443,300 (23.0%) | 0.00 | 143 |
| 2022-09-01 | $369,900 (25.5%) | $419,402 (11.8%) | 0.00 | 143 |
| 2022-10-01 | $371,400 (19.9%) | $423,875 (11.8%) | 0.00 | 159 |
| 2022-11-01 | $368,323 (10.8%) | $431,167 (17.7%) | 0.00 | 175 |
| 2022-12-01 | $359,900 (11.6%) | $411,294 (-0.6%) | 0.00 | 172 |
| 2023-01-01 | $369,900 (6.0%) | $423,141 (-3.6%) | 0.00 | 149 |
| 2023-02-01 | $369,900 (-4.2%) | $425,228 (-13.0%) | 0.00 | 125 |
| 2023-03-01 | $399,900 (5.0%) | $453,802 (-6.9%) | 0.00 | 124 |
| 2023-04-01 | $397,486 (5.1%) | $491,219 (-1.9%) | 0.00 | 124 |
| 2023-05-01 | $399,900 (6.0%) | $507,175 (7.2%) | 0.00 | 133 |
| 2023-06-01 | $390,098 (3.3%) | $486,653 (2.2%) | 0.00 | 163 |
| 2023-07-01 | $366,900 (-0.8%) | $477,858 (7.7%) | 0.00 | 170 |
| 2023-08-01 | $356,425 (-7.9%) | $460,405 (3.9%) | 0.00 | 178 |
| 2023-09-01 | $354,400 (-4.2%) | $462,125 (10.2%) | 0.00 | 194 |
| 2023-10-01 | $350,950 (-5.5%) | $461,612 (8.9%) | 0.00 | 215 |
| 2023-11-01 | $349,300 (-5.2%) | $455,358 (5.6%) | 0.00 | 225 |
| 2023-12-01 | $351,900 (-2.2%) | $457,099 (11.1%) | 0.00 | 218 |
| 2024-01-01 | $356,400 (-3.7%) | $445,373 (5.3%) | 0.00 | 228 |
| 2024-02-01 | $374,095 (1.1%) | $455,591 (7.1%) | 0.00 | 213 |
| 2024-03-01 | $376,900 (-5.8%) | $462,695 (2.0%) | 0.00 | 226 |
| 2024-04-01 | $384,450 (-3.3%) | $443,561 (-9.7%) | 0.00 | 287 |
| 2024-05-01 | $407,450 (1.9%) | $459,478 (-9.4%) | 0.00 | 277 |
| 2024-06-01 | $419,900 (7.6%) | $470,585 (-3.3%) | 0.00 | 297 |
| 2024-07-01 | $409,530 (11.6%) | $463,370 (-3.0%) | 0.00 | 314 |
| 2024-08-01 | $399,900 (12.2%) | $458,270 (-0.5%) | 0.00 | 323 |
| 2024-09-01 | $399,950 (12.9%) | $455,446 (-1.5%) | 0.00 | 321 |
| 2024-10-01 | $398,300 (13.5%) | $450,032 (-2.5%) | 0.00 | 336 |
St. Marys's median listing price comes in at 0% of the national average.
St. Marys's average listing price for 2024-10-01 was $450,032, a difference of $-11,580 (-2.5%) versus the prior year and $-5,414 versus the prior month.
For the 2024-10-01 period, St. Marys had 336 MLS listings, a difference of 15 listings (5%) versus the prior month and 121 listings (56%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - St. Marys (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,073 sqft |
| 2018-02-01 | 0 days | 2,108 sqft |
| 2018-03-01 | 0 days | 2,083 sqft |
| 2018-04-01 | 0 days | 2,081 sqft |
| 2018-05-01 | 0 days | 2,078 sqft |
| 2018-06-01 | 0 days | 2,081 sqft |
| 2018-07-01 | 0 days | 2,026 sqft |
| 2018-08-01 | 0 days | 2,054 sqft |
| 2018-09-01 | 0 days | 2,036 sqft |
| 2018-10-01 | 0 days | 1,984 sqft |
| 2018-11-01 | 0 days | 1,934 sqft |
| 2018-12-01 | 0 days | 1,947 sqft |
| 2019-01-01 | 0 days | 1,922 sqft |
| 2019-02-01 | 0 days | 1,937 sqft |
| 2019-03-01 | 0 days | 1,960 sqft |
| 2019-04-01 | 0 days | 1,994 sqft |
| 2019-05-01 | 0 days | 1,954 sqft |
| 2019-06-01 | 0 days | 1,946 sqft |
| 2019-07-01 | 0 days | 2,012 sqft |
| 2019-08-01 | 0 days | 2,012 sqft |
| 2019-09-01 | 0 days | 2,046 sqft |
| 2019-10-01 | 0 days | 2,071 sqft |
| 2019-11-01 | 0 days | 2,065 sqft |
| 2019-12-01 | 0 days | 2,062 sqft |
| 2020-01-01 | 0 days | 2,045 sqft |
| 2020-02-01 | 0 days | 2,034 sqft |
| 2020-03-01 | 0 days | 2,061 sqft |
| 2020-04-01 | 0 days | 2,088 sqft |
| 2020-05-01 | 0 days | 2,180 sqft |
| 2020-06-01 | 0 days | 2,255 sqft |
| 2020-07-01 | 0 days | 2,215 sqft |
| 2020-08-01 | 0 days | 2,137 sqft |
| 2020-09-01 | 0 days | 2,155 sqft |
| 2020-10-01 | 0 days | 2,100 sqft |
| 2020-11-01 | 0 days | 2,099 sqft |
| 2020-12-01 | 0 days | 2,080 sqft |
| 2021-01-01 | 0 days | 2,103 sqft |
| 2021-02-01 | 0 days | 2,060 sqft |
| 2021-03-01 | 0 days | 2,066 sqft |
| 2021-04-01 | 0 days | 2,070 sqft |
| 2021-05-01 | 0 days | 1,997 sqft |
| 2021-06-01 | 0 days | 2,076 sqft |
| 2021-07-01 | 0 days | 2,000 sqft |
| 2021-08-01 | 0 days | 2,059 sqft |
| 2021-09-01 | 0 days | 1,997 sqft |
| 2021-10-01 | 0 days | 2,026 sqft |
| 2021-11-01 | 0 days | 2,040 sqft |
| 2021-12-01 | 0 days | 2,044 sqft |
| 2022-01-01 | 0 days | 2,114 sqft |
| 2022-02-01 | 0 days | 2,155 sqft |
| 2022-03-01 | 0 days | 2,089 sqft |
| 2022-04-01 | 0 days | 2,100 sqft |
| 2022-05-01 | 0 days | 2,084 sqft |
| 2022-06-01 | 0 days | 2,102 sqft |
| 2022-07-01 | 0 days | 2,130 sqft |
| 2022-08-01 | 0 days | 2,132 sqft |
| 2022-09-01 | 0 days | 2,055 sqft |
| 2022-10-01 | 0 days | 2,101 sqft |
| 2022-11-01 | 0 days | 2,044 sqft |
| 2022-12-01 | 0 days | 2,036 sqft |
| 2023-01-01 | 0 days | 2,014 sqft |
| 2023-02-01 | 0 days | 2,028 sqft |
| 2023-03-01 | 0 days | 2,117 sqft |
| 2023-04-01 | 0 days | 2,096 sqft |
| 2023-05-01 | 0 days | 2,061 sqft |
| 2023-06-01 | 0 days | 2,064 sqft |
| 2023-07-01 | 0 days | 2,045 sqft |
| 2023-08-01 | 0 days | 2,039 sqft |
| 2023-09-01 | 0 days | 2,008 sqft |
| 2023-10-01 | 0 days | 1,986 sqft |
| 2023-11-01 | 0 days | 1,934 sqft |
| 2023-12-01 | 0 days | 1,956 sqft |
| 2024-01-01 | 0 days | 1,969 sqft |
| 2024-02-01 | 0 days | 2,021 sqft |
| 2024-03-01 | 0 days | 2,067 sqft |
| 2024-04-01 | 0 days | 2,110 sqft |
| 2024-05-01 | 0 days | 2,158 sqft |
| 2024-06-01 | 0 days | 2,211 sqft |
| 2024-07-01 | 0 days | 2,159 sqft |
| 2024-08-01 | 0 days | 2,117 sqft |
| 2024-09-01 | 0 days | 2,067 sqft |
| 2024-10-01 | 0 days | 2,056 sqft |
St. Marys's median square footage for active listings during the 2024-10-01 period was 2,056 sqft. One year prior, the average listing was 1,986 sqft.