Thomaston USDA Loan Rates, Closing Costs & Stats

Thomaston, 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.

    Thomaston's 13 lenders originated 25 USDA loans during 2023. The total origination value was $4,735,000, with an average USDA loan value of $189,400.

    Thomaston USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Thomaston averaged 6.3% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Thomaston's average USDA mortgage closing costs are $4,306.

    The average rate for the prior week (2025-02-07) was 6.66% and one month ago for the week of 2025-01-10, the average rate was 6.6%.

    The average rate one year ago was 6.69%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.53%.

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

    Thomaston 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 Thomaston level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    VAN DYK MORTGAGE CORPORATION 7 7.21% $2,764
    Plains Commerce Bank 3 6.33% $6,944
    SOUTHPOINT FINANCIAL SERVICES, INC. 3 6.92% $2,994
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 2 7.62% $7,713
    UNITED WHOLESALE MORTGAGE, LLC 2 6.31% $5,839
    Ameris Bank 1 6.13% $7,523
    MORTGAGE SOLUTIONS OF COLORADO, LLC 1 5.75% $2,816
    MOVEMENT MORTGAGE, LLC 1 6.25% $8,367
    MORTGAGE INVESTORS GROUP, INC. 1 6.63% $5,531
    BROKER SOLUTIONS, INC. 1 5.75% $8,585
    CMG MORTGAGE, INC. 1 7.25% $6,561
    HOMESTAR FINANCIAL CORPORATION 1 5.50% $2,975
    Hometown Equity Mortgage, LLC 1 6.13% $6,178

    The top Thomaston USDA lender as defined by loan originations is VAN DYK MORTGAGE CORPORATION, with 7 USDA loans originated. Their average total fees are $2,764, which is $4,180 lower than the next largest lender, Plains Commerce Bank.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Thomaston (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 $116,875 (11.3%) $178,756 (17.1%) 0.00 102
    2018-02-01 $114,475 (16.5%) $177,982 (23.3%) 0.00 101
    2018-03-01 $109,950 (15.9%) $172,557 (26.1%) 0.00 90
    2018-04-01 $119,750 (33.1%) $188,357 (36.6%) 0.00 82
    2018-05-01 $125,125 (39.1%) $193,265 (37.8%) 0.00 83
    2018-06-01 $119,450 (32.9%) $188,278 (35.1%) 0.00 81
    2018-07-01 $125,125 (25.2%) $198,906 (34.9%) 0.00 87
    2018-08-01 $123,500 (8.4%) $190,138 (17.2%) 0.00 91
    2018-09-01 $118,500 (3.0%) $180,028 (7.8%) 0.00 92
    2018-10-01 $144,900 (22.9%) $204,007 (29.7%) 0.00 90
    2018-11-01 $157,400 (29.6%) $215,350 (25.1%) 0.00 88
    2018-12-01 $149,900 (25.0%) $247,437 (39.8%) 0.00 87
    2019-01-01 $154,450 (32.2%) $258,820 (44.8%) 0.00 88
    2019-02-01 $149,900 (31.0%) $248,461 (39.6%) 0.00 95
    2019-03-01 $157,829 (43.6%) $264,948 (53.5%) 0.00 85
    2019-04-01 $162,353 (35.6%) $276,032 (46.6%) 0.00 82
    2019-05-01 $149,900 (19.8%) $276,489 (43.1%) 0.00 85
    2019-06-01 $157,999 (32.3%) $249,018 (32.3%) 0.00 108
    2019-07-01 $151,999 (21.5%) $233,176 (17.2%) 0.00 103
    2019-08-01 $155,954 (26.3%) $227,949 (19.9%) 0.00 97
    2019-09-01 $157,386 (32.8%) $220,486 (22.5%) 0.00 94
    2019-10-01 $155,590 (7.4%) $210,658 (3.3%) 0.00 92
    2019-11-01 $149,900 (-4.8%) $202,379 (-6.0%) 0.00 97
    2019-12-01 $148,225 (-1.1%) $193,022 (-22.0%) 0.00 93
    2020-01-01 $148,500 (-3.9%) $203,127 (-21.5%) 0.00 90
    2020-02-01 $150,000 (0.1%) $219,004 (-11.9%) 0.00 79
    2020-03-01 $145,000 (-8.1%) $215,543 (-18.7%) 0.00 77
    2020-04-01 $154,100 (-5.1%) $202,595 (-26.6%) 0.00 74
    2020-05-01 $152,999 (2.1%) $200,582 (-27.5%) 0.00 65
    2020-06-01 $162,749 (3.0%) $218,593 (-12.2%) 0.00 57
    2020-07-01 $164,175 (8.0%) $213,723 (-8.3%) 0.00 52
    2020-08-01 $164,900 (5.7%) $229,916 (0.9%) 0.00 44
    2020-09-01 $156,724 (-0.4%) $235,153 (6.7%) 0.00 46
    2020-10-01 $174,450 (12.1%) $239,309 (13.6%) 0.00 45
    2020-11-01 $164,999 (10.1%) $225,133 (11.2%) 0.00 47
    2020-12-01 $149,900 (1.1%) $201,872 (4.6%) 0.00 49
    2021-01-01 $134,950 (-9.1%) $204,429 (0.6%) 0.00 48
    2021-02-01 $134,925 (-10.1%) $256,993 (17.4%) 0.00 43
    2021-03-01 $143,225 (-1.2%) $245,016 (13.7%) 0.00 32
    2021-04-01 $162,500 (5.5%) $272,099 (34.3%) 0.00 31
    2021-05-01 $189,900 (24.1%) $268,957 (34.1%) 0.00 25
    2021-06-01 $202,450 (24.4%) $290,093 (32.7%) 0.00 37
    2021-07-01 $204,950 (24.8%) $326,851 (52.9%) 0.00 34
    2021-08-01 $202,450 (22.8%) $331,240 (44.1%) 0.00 35
    2021-09-01 $194,900 (24.4%) $305,930 (30.1%) 0.00 49
    2021-10-01 $199,900 (14.6%) $316,985 (32.5%) 0.00 47
    2021-11-01 $194,400 (17.8%) $280,690 (24.7%) 0.00 34
    2021-12-01 $193,150 (28.9%) $282,174 (39.8%) 0.00 29
    2022-01-01 $199,900 (48.1%) $309,015 (51.2%) 0.00 24
    2022-02-01 $229,900 (70.4%) $333,846 (29.9%) 0.00 29
    2022-03-01 $212,650 (48.5%) $289,830 (18.3%) 0.00 39
    2022-04-01 $215,000 (32.3%) $275,807 (1.4%) 0.00 42
    2022-05-01 $201,000 (5.9%) $284,201 (5.7%) 0.00 47
    2022-06-01 $198,625 (-1.9%) $264,280 (-8.9%) 0.00 63
    2022-07-01 $199,750 (-2.5%) $269,163 (-17.7%) 0.00 80
    2022-08-01 $202,250 (-0.1%) $270,318 (-18.4%) 0.00 96
    2022-09-01 $216,200 (10.9%) $274,707 (-10.2%) 0.00 102
    2022-10-01 $221,000 (10.6%) $278,349 (-12.2%) 0.00 108
    2022-11-01 $206,800 (6.4%) $267,329 (-4.8%) 0.00 115
    2022-12-01 $215,000 (11.3%) $277,697 (-1.6%) 0.00 102
    2023-01-01 $198,650 (-0.6%) $268,788 (-13.0%) 0.00 90
    2023-02-01 $179,900 (-21.8%) $257,744 (-22.8%) 0.00 88
    2023-03-01 $183,450 (-13.7%) $255,832 (-11.7%) 0.00 79
    2023-04-01 $183,700 (-14.6%) $276,668 (0.3%) 0.00 70
    2023-05-01 $188,000 (-6.5%) $285,401 (0.4%) 0.00 63
    2023-06-01 $232,450 (17.0%) $329,340 (24.6%) 0.00 43
    2023-07-01 $234,900 (17.6%) $299,352 (11.2%) 0.00 44
    2023-08-01 $231,800 (14.6%) $262,941 (-2.7%) 0.00 58
    2023-09-01 $214,900 (-0.6%) $254,559 (-7.3%) 0.00 64
    2023-10-01 $206,250 (-6.7%) $261,543 (-6.0%) 0.00 75
    2023-11-01 $217,450 (5.2%) $294,151 (10.0%) 0.00 79
    2023-12-01 $212,500 (-1.2%) $296,120 (6.6%) 0.00 80
    2024-01-01 $216,200 (8.8%) $311,577 (15.9%) 0.00 74
    2024-02-01 $248,675 (38.2%) $352,038 (36.6%) 0.00 70
    2024-03-01 $225,000 (22.7%) $346,467 (35.4%) 0.00 73
    2024-04-01 $220,225 (19.9%) $329,990 (19.3%) 0.00 80
    2024-05-01 $248,000 (31.9%) $343,455 (20.3%) 0.00 82
    2024-06-01 $249,450 (7.3%) $340,365 (3.4%) 0.00 82
    2024-07-01 $249,900 (6.4%) $345,082 (15.3%) 0.00 84
    2024-08-01 $249,900 (7.8%) $328,922 (25.1%) 0.00 100
    2024-09-01 $252,475 (17.5%) $326,821 (28.4%) 0.00 97
    2024-10-01 $249,900 (21.2%) $330,525 (26.4%) 0.00 96
    2024-11-01 $247,350 (13.8%) $339,156 (15.3%) 0.00 104
    2024-12-01 $255,450 (20.2%) $340,044 (14.8%) 0.00 117
    2025-01-01 $255,450 (18.2%) $343,589 (10.3%) 0.00 107
    Thomaston's median listing price for 2025-01-01 was $255,450, a difference of $39,250 (18.2%) versus the prior year and $0 versus the prior month.

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

    Thomaston's average listing price for 2025-01-01 was $343,589, a difference of $32,012 (10.3%) versus the prior year and $3,545 versus the prior month.

    For the 2025-01-01 period, Thomaston had 107 MLS listings, a difference of -10 listings (-9%) versus the prior month and 33 listings (45%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Thomaston (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,941 sqft
    2018-02-01 0 days 1,911 sqft
    2018-03-01 0 days 1,900 sqft
    2018-04-01 0 days 1,965 sqft
    2018-05-01 0 days 1,851 sqft
    2018-06-01 0 days 1,897 sqft
    2018-07-01 0 days 1,945 sqft
    2018-08-01 0 days 1,900 sqft
    2018-09-01 0 days 1,720 sqft
    2018-10-01 0 days 1,777 sqft
    2018-11-01 0 days 1,932 sqft
    2018-12-01 0 days 1,972 sqft
    2019-01-01 0 days 1,989 sqft
    2019-02-01 0 days 1,984 sqft
    2019-03-01 0 days 2,030 sqft
    2019-04-01 0 days 2,046 sqft
    2019-05-01 0 days 2,080 sqft
    2019-06-01 0 days 1,988 sqft
    2019-07-01 0 days 1,936 sqft
    2019-08-01 0 days 1,911 sqft
    2019-09-01 0 days 1,875 sqft
    2019-10-01 0 days 1,803 sqft
    2019-11-01 0 days 1,755 sqft
    2019-12-01 0 days 1,716 sqft
    2020-01-01 0 days 1,749 sqft
    2020-02-01 0 days 1,783 sqft
    2020-03-01 0 days 1,749 sqft
    2020-04-01 0 days 1,825 sqft
    2020-05-01 0 days 1,731 sqft
    2020-06-01 0 days 1,753 sqft
    2020-07-01 0 days 1,880 sqft
    2020-08-01 0 days 1,919 sqft
    2020-09-01 0 days 1,763 sqft
    2020-10-01 0 days 1,978 sqft
    2020-11-01 0 days 1,909 sqft
    2020-12-01 0 days 1,687 sqft
    2021-01-01 0 days 1,632 sqft
    2021-02-01 0 days 1,665 sqft
    2021-03-01 0 days 1,617 sqft
    2021-04-01 0 days 1,742 sqft
    2021-05-01 0 days 1,770 sqft
    2021-06-01 0 days 1,948 sqft
    2021-07-01 0 days 1,800 sqft
    2021-08-01 0 days 1,904 sqft
    2021-09-01 0 days 1,735 sqft
    2021-10-01 0 days 1,800 sqft
    2021-11-01 0 days 1,695 sqft
    2021-12-01 0 days 1,820 sqft
    2022-01-01 0 days 1,765 sqft
    2022-02-01 0 days 1,877 sqft
    2022-03-01 0 days 1,540 sqft
    2022-04-01 0 days 1,616 sqft
    2022-05-01 0 days 1,658 sqft
    2022-06-01 0 days 1,578 sqft
    2022-07-01 0 days 1,609 sqft
    2022-08-01 0 days 1,624 sqft
    2022-09-01 0 days 1,598 sqft
    2022-10-01 0 days 1,602 sqft
    2022-11-01 0 days 1,574 sqft
    2022-12-01 0 days 1,567 sqft
    2023-01-01 0 days 1,516 sqft
    2023-02-01 0 days 1,436 sqft
    2023-03-01 0 days 1,457 sqft
    2023-04-01 0 days 1,535 sqft
    2023-05-01 0 days 1,474 sqft
    2023-06-01 0 days 1,534 sqft
    2023-07-01 0 days 1,613 sqft
    2023-08-01 0 days 1,554 sqft
    2023-09-01 0 days 1,611 sqft
    2023-10-01 0 days 1,520 sqft
    2023-11-01 0 days 1,592 sqft
    2023-12-01 0 days 1,602 sqft
    2024-01-01 0 days 1,663 sqft
    2024-02-01 0 days 1,781 sqft
    2024-03-01 0 days 1,650 sqft
    2024-04-01 0 days 1,629 sqft
    2024-05-01 0 days 1,629 sqft
    2024-06-01 0 days 1,647 sqft
    2024-07-01 0 days 1,646 sqft
    2024-08-01 0 days 1,646 sqft
    2024-09-01 0 days 1,708 sqft
    2024-10-01 0 days 1,695 sqft
    2024-11-01 0 days 1,612 sqft
    2024-12-01 0 days 1,694 sqft
    2025-01-01 0 days 1,700 sqft
    Thomaston's median listing age (time on market) for 2025-01-01 was 0 days.

    Thomaston's median square footage for active listings during the 2025-01-01 period was 1,700 sqft. One year prior, the average listing was 1,663 sqft.