Statesboro USDA Loan Rates, Closing Costs & Stats
Statesboro, 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.
Statesboro's 10 lenders originated 16 USDA loans during 2023. The total origination value was $3,630,000, with an average USDA loan value of $226,875.
Statesboro USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Statesboro
averaged
6.63%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Statesboro's average USDA mortgage closing costs are $4,976.
The average rate for the prior week (2025-02-07) was
6.59% and
one month ago for the week of 2025-01-10, the
average rate was 6.33%.
The average rate one year ago was 6.63%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.43%.
Statesboro 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 Statesboro level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| Renasant Bank | 3 | 6.13% | $7,561 |
| BANKSOUTH MORTGAGE COMPANY, LLC | 2 | 6.56% | $10,130 |
| CRESCENT MORTGAGE COMPANY | 2 | 6.69% | $8,765 |
| Ameris Bank | 2 | 6.50% | $5,949 |
| HOMESTAR FINANCIAL CORPORATION | 2 | 6.56% | $4,990 |
| MOVEMENT MORTGAGE, LLC | 1 | 5.63% | $13,479 |
| CROSSCOUNTRY MORTGAGE, LLC | 1 | 6.00% | $9,168 |
| CARDINAL FINANCIAL | 1 | 7.75% | $4,036 |
| Century Mortgage Company DBA Century Lending Company | 1 | 7.25% | $7,563 |
| Colony Bank | 1 | 6.63% | $6,583 |
The top Statesboro USDA lender as defined by loan originations is Renasant Bank, with
3 USDA loans originated. Their average total fees are
$7,561, which is $2,569
lower than the next largest lender,
BANKSOUTH MORTGAGE COMPANY, LLC.
The lowest fee Statesboro USDA lenders (with over 10 loans originated) are
.
The lowest rate Statesboro USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Statesboro (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 | $156,825 (-0.6%) | $188,589 (0.9%) | 0.00 | 401 |
| 2018-02-01 | $150,950 (-3.2%) | $181,032 (-2.3%) | 0.00 | 421 |
| 2018-03-01 | $159,450 (0.7%) | $189,086 (0.0%) | 0.00 | 438 |
| 2018-04-01 | $159,900 (0.0%) | $191,843 (-0.1%) | 0.00 | 440 |
| 2018-05-01 | $154,925 (-2.8%) | $191,990 (0.0%) | 0.00 | 430 |
| 2018-06-01 | $160,500 (2.3%) | $202,107 (8.5%) | 0.00 | 415 |
| 2018-07-01 | $164,125 (2.6%) | $209,703 (11.4%) | 0.00 | 382 |
| 2018-08-01 | $165,450 (1.9%) | $212,771 (11.5%) | 0.00 | 380 |
| 2018-09-01 | $160,000 (0.6%) | $208,337 (6.1%) | 0.00 | 371 |
| 2018-10-01 | $160,000 (2.0%) | $205,641 (5.8%) | 0.00 | 390 |
| 2018-11-01 | $166,500 (5.7%) | $206,367 (9.2%) | 0.00 | 376 |
| 2018-12-01 | $169,000 (10.5%) | $199,162 (6.3%) | 0.00 | 366 |
| 2019-01-01 | $169,900 (8.3%) | $199,590 (5.8%) | 0.00 | 346 |
| 2019-02-01 | $169,900 (12.6%) | $202,790 (12.0%) | 0.00 | 338 |
| 2019-03-01 | $169,386 (6.2%) | $203,718 (7.7%) | 0.00 | 340 |
| 2019-04-01 | $173,450 (8.5%) | $211,427 (10.2%) | 0.00 | 345 |
| 2019-05-01 | $175,800 (13.5%) | $220,995 (15.1%) | 0.00 | 325 |
| 2019-06-01 | $178,900 (11.5%) | $227,179 (12.4%) | 0.00 | 314 |
| 2019-07-01 | $176,700 (7.7%) | $220,807 (5.3%) | 0.00 | 331 |
| 2019-08-01 | $171,536 (3.7%) | $220,516 (3.6%) | 0.00 | 313 |
| 2019-09-01 | $173,991 (8.7%) | $222,118 (6.6%) | 0.00 | 286 |
| 2019-10-01 | $180,400 (12.8%) | $226,198 (10.0%) | 0.00 | 258 |
| 2019-11-01 | $179,450 (7.8%) | $221,315 (7.2%) | 0.00 | 258 |
| 2019-12-01 | $182,400 (7.9%) | $218,423 (9.7%) | 0.00 | 271 |
| 2020-01-01 | $186,375 (9.7%) | $229,963 (15.2%) | 0.00 | 270 |
| 2020-02-01 | $183,150 (7.8%) | $226,873 (11.9%) | 0.00 | 281 |
| 2020-03-01 | $189,900 (12.1%) | $229,642 (12.7%) | 0.00 | 271 |
| 2020-04-01 | $189,950 (9.5%) | $230,876 (9.2%) | 0.00 | 286 |
| 2020-05-01 | $199,250 (13.3%) | $233,871 (5.8%) | 0.00 | 271 |
| 2020-06-01 | $199,900 (11.7%) | $243,582 (7.2%) | 0.00 | 240 |
| 2020-07-01 | $207,500 (17.4%) | $245,680 (11.3%) | 0.00 | 223 |
| 2020-08-01 | $201,003 (17.2%) | $249,259 (13.0%) | 0.00 | 210 |
| 2020-09-01 | $212,925 (22.4%) | $254,751 (14.7%) | 0.00 | 181 |
| 2020-10-01 | $200,000 (10.9%) | $242,931 (7.4%) | 0.00 | 172 |
| 2020-11-01 | $200,100 (11.5%) | $246,502 (11.4%) | 0.00 | 172 |
| 2020-12-01 | $190,550 (4.5%) | $245,934 (12.6%) | 0.00 | 160 |
| 2021-01-01 | $199,450 (7.0%) | $264,361 (15.0%) | 0.00 | 126 |
| 2021-02-01 | $216,808 (18.4%) | $277,370 (22.3%) | 0.00 | 109 |
| 2021-03-01 | $204,950 (7.9%) | $271,735 (18.3%) | 0.00 | 97 |
| 2021-04-01 | $235,700 (24.1%) | $299,318 (29.6%) | 0.00 | 94 |
| 2021-05-01 | $217,450 (9.1%) | $293,402 (25.5%) | 0.00 | 94 |
| 2021-06-01 | $219,950 (10.0%) | $284,976 (17.0%) | 0.00 | 88 |
| 2021-07-01 | $225,000 (8.4%) | $278,583 (13.4%) | 0.00 | 99 |
| 2021-08-01 | $248,481 (23.6%) | $295,311 (18.5%) | 0.00 | 101 |
| 2021-09-01 | $251,030 (17.9%) | $303,282 (19.1%) | 0.00 | 109 |
| 2021-10-01 | $259,950 (30.0%) | $313,093 (28.9%) | 0.00 | 101 |
| 2021-11-01 | $264,700 (32.3%) | $346,187 (40.4%) | 0.00 | 101 |
| 2021-12-01 | $272,410 (43.0%) | $339,968 (38.2%) | 0.00 | 98 |
| 2022-01-01 | $269,250 (35.0%) | $342,638 (29.6%) | 0.00 | 92 |
| 2022-02-01 | $259,925 (19.9%) | $335,367 (20.9%) | 0.00 | 85 |
| 2022-03-01 | $271,275 (32.4%) | $323,048 (18.9%) | 0.00 | 92 |
| 2022-04-01 | $289,900 (23.0%) | $335,408 (12.1%) | 0.00 | 109 |
| 2022-05-01 | $300,200 (38.1%) | $350,047 (19.3%) | 0.00 | 105 |
| 2022-06-01 | $297,975 (35.5%) | $342,494 (20.2%) | 0.00 | 115 |
| 2022-07-01 | $301,000 (33.8%) | $348,562 (25.1%) | 0.00 | 120 |
| 2022-08-01 | $318,994 (28.4%) | $371,800 (25.9%) | 0.00 | 118 |
| 2022-09-01 | $329,725 (31.4%) | $404,531 (33.4%) | 0.00 | 114 |
| 2022-10-01 | $338,750 (30.3%) | $398,819 (27.4%) | 0.00 | 131 |
| 2022-11-01 | $323,835 (22.3%) | $387,428 (11.9%) | 0.00 | 144 |
| 2022-12-01 | $331,000 (21.5%) | $398,436 (17.2%) | 0.00 | 133 |
| 2023-01-01 | $349,000 (29.6%) | $401,290 (17.1%) | 0.00 | 119 |
| 2023-02-01 | $354,950 (36.6%) | $437,483 (30.5%) | 0.00 | 103 |
| 2023-03-01 | $339,250 (25.1%) | $433,665 (34.2%) | 0.00 | 98 |
| 2023-04-01 | $329,000 (13.5%) | $426,065 (27.0%) | 0.00 | 96 |
| 2023-05-01 | $335,000 (11.6%) | $404,733 (15.6%) | 0.00 | 105 |
| 2023-06-01 | $342,500 (14.9%) | $415,334 (21.3%) | 0.00 | 98 |
| 2023-07-01 | $342,500 (13.8%) | $430,173 (23.4%) | 0.00 | 104 |
| 2023-08-01 | $339,950 (6.6%) | $400,187 (7.6%) | 0.00 | 114 |
| 2023-09-01 | $334,804 (1.5%) | $379,964 (-6.1%) | 0.00 | 121 |
| 2023-10-01 | $329,950 (-2.6%) | $381,542 (-4.3%) | 0.00 | 137 |
| 2023-11-01 | $325,750 (0.6%) | $394,735 (1.9%) | 0.00 | 165 |
| 2023-12-01 | $325,000 (-1.8%) | $402,853 (1.1%) | 0.00 | 162 |
| 2024-01-01 | $325,000 (-6.9%) | $400,890 (-0.1%) | 0.00 | 159 |
| 2024-02-01 | $319,950 (-9.9%) | $385,275 (-11.9%) | 0.00 | 151 |
| 2024-03-01 | $330,450 (-2.6%) | $399,574 (-7.9%) | 0.00 | 139 |
| 2024-04-01 | $327,450 (-0.5%) | $400,604 (-6.0%) | 0.00 | 151 |
| 2024-05-01 | $328,750 (-1.9%) | $404,408 (-0.1%) | 0.00 | 182 |
| 2024-06-01 | $328,700 (-4.0%) | $407,241 (-2.0%) | 0.00 | 181 |
| 2024-07-01 | $337,494 (-1.5%) | $429,034 (-0.3%) | 0.00 | 181 |
| 2024-08-01 | $344,600 (1.4%) | $421,298 (5.3%) | 0.00 | 172 |
| 2024-09-01 | $345,450 (3.2%) | $403,727 (6.3%) | 0.00 | 191 |
| 2024-10-01 | $342,450 (3.8%) | $414,905 (8.7%) | 0.00 | 175 |
| 2024-11-01 | $330,000 (1.3%) | $422,091 (6.9%) | 0.00 | 179 |
| 2024-12-01 | $333,450 (2.6%) | $409,974 (1.8%) | 0.00 | 182 |
| 2025-01-01 | $336,675 (3.6%) | $402,765 (0.5%) | 0.00 | 193 |
Statesboro's median listing price comes in at 0% of the national average.
Statesboro's average listing price for 2025-01-01 was $402,765, a difference of $1,875 (0.5%) versus the prior year and $-7,209 versus the prior month.
For the 2025-01-01 period, Statesboro had 193 MLS listings, a difference of 11 listings (6%) versus the prior month and 34 listings (21%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Statesboro (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 1,855 sqft |
| 2018-02-01 | 0 days | 1,823 sqft |
| 2018-03-01 | 0 days | 1,848 sqft |
| 2018-04-01 | 0 days | 1,870 sqft |
| 2018-05-01 | 0 days | 1,848 sqft |
| 2018-06-01 | 0 days | 1,874 sqft |
| 2018-07-01 | 0 days | 1,927 sqft |
| 2018-08-01 | 0 days | 1,925 sqft |
| 2018-09-01 | 0 days | 1,852 sqft |
| 2018-10-01 | 0 days | 1,877 sqft |
| 2018-11-01 | 0 days | 1,927 sqft |
| 2018-12-01 | 0 days | 1,922 sqft |
| 2019-01-01 | 0 days | 1,923 sqft |
| 2019-02-01 | 0 days | 1,922 sqft |
| 2019-03-01 | 0 days | 1,927 sqft |
| 2019-04-01 | 0 days | 1,967 sqft |
| 2019-05-01 | 0 days | 1,965 sqft |
| 2019-06-01 | 0 days | 2,029 sqft |
| 2019-07-01 | 0 days | 2,008 sqft |
| 2019-08-01 | 0 days | 1,987 sqft |
| 2019-09-01 | 0 days | 1,966 sqft |
| 2019-10-01 | 0 days | 1,952 sqft |
| 2019-11-01 | 0 days | 1,956 sqft |
| 2019-12-01 | 0 days | 1,977 sqft |
| 2020-01-01 | 0 days | 1,990 sqft |
| 2020-02-01 | 0 days | 1,990 sqft |
| 2020-03-01 | 0 days | 2,094 sqft |
| 2020-04-01 | 0 days | 2,150 sqft |
| 2020-05-01 | 0 days | 2,213 sqft |
| 2020-06-01 | 0 days | 2,221 sqft |
| 2020-07-01 | 0 days | 2,223 sqft |
| 2020-08-01 | 0 days | 2,200 sqft |
| 2020-09-01 | 0 days | 2,239 sqft |
| 2020-10-01 | 0 days | 2,022 sqft |
| 2020-11-01 | 0 days | 1,962 sqft |
| 2020-12-01 | 0 days | 1,950 sqft |
| 2021-01-01 | 0 days | 1,918 sqft |
| 2021-02-01 | 0 days | 1,965 sqft |
| 2021-03-01 | 0 days | 1,982 sqft |
| 2021-04-01 | 0 days | 2,134 sqft |
| 2021-05-01 | 0 days | 2,008 sqft |
| 2021-06-01 | 0 days | 1,998 sqft |
| 2021-07-01 | 0 days | 2,020 sqft |
| 2021-08-01 | 0 days | 2,048 sqft |
| 2021-09-01 | 0 days | 2,127 sqft |
| 2021-10-01 | 0 days | 2,114 sqft |
| 2021-11-01 | 0 days | 2,174 sqft |
| 2021-12-01 | 0 days | 2,121 sqft |
| 2022-01-01 | 0 days | 2,200 sqft |
| 2022-02-01 | 0 days | 2,135 sqft |
| 2022-03-01 | 0 days | 2,003 sqft |
| 2022-04-01 | 0 days | 2,081 sqft |
| 2022-05-01 | 0 days | 2,238 sqft |
| 2022-06-01 | 0 days | 2,084 sqft |
| 2022-07-01 | 0 days | 2,100 sqft |
| 2022-08-01 | 0 days | 2,128 sqft |
| 2022-09-01 | 0 days | 2,205 sqft |
| 2022-10-01 | 0 days | 2,280 sqft |
| 2022-11-01 | 0 days | 2,198 sqft |
| 2022-12-01 | 0 days | 2,337 sqft |
| 2023-01-01 | 0 days | 2,426 sqft |
| 2023-02-01 | 0 days | 2,451 sqft |
| 2023-03-01 | 0 days | 2,355 sqft |
| 2023-04-01 | 0 days | 2,093 sqft |
| 2023-05-01 | 0 days | 2,114 sqft |
| 2023-06-01 | 0 days | 2,121 sqft |
| 2023-07-01 | 0 days | 2,130 sqft |
| 2023-08-01 | 0 days | 2,103 sqft |
| 2023-09-01 | 0 days | 2,004 sqft |
| 2023-10-01 | 0 days | 1,935 sqft |
| 2023-11-01 | 0 days | 1,928 sqft |
| 2023-12-01 | 0 days | 1,917 sqft |
| 2024-01-01 | 0 days | 1,952 sqft |
| 2024-02-01 | 0 days | 1,926 sqft |
| 2024-03-01 | 0 days | 2,035 sqft |
| 2024-04-01 | 0 days | 1,972 sqft |
| 2024-05-01 | 0 days | 1,915 sqft |
| 2024-06-01 | 0 days | 1,952 sqft |
| 2024-07-01 | 0 days | 2,000 sqft |
| 2024-08-01 | 0 days | 2,005 sqft |
| 2024-09-01 | 0 days | 2,001 sqft |
| 2024-10-01 | 0 days | 2,008 sqft |
| 2024-11-01 | 0 days | 1,960 sqft |
| 2024-12-01 | 0 days | 1,976 sqft |
| 2025-01-01 | 0 days | 1,975 sqft |
Statesboro's median square footage for active listings during the 2025-01-01 period was 1,975 sqft. One year prior, the average listing was 1,952 sqft.