Thomasville USDA Loan Rates, Closing Costs & Stats
Thomasville, 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.
Thomasville's 4 lenders originated 9 USDA loans during 2023. The total origination value was $1,535,000, with an average USDA loan value of $170,556.
Thomasville USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Thomasville
averaged
6.62%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Thomasville's average USDA mortgage closing costs are $5,309.
The average rate for the prior week (2025-02-07) was
6.58% and
one month ago for the week of 2025-01-10, the
average rate was 6.33%.
The average rate one year ago was 6.22%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.33%.
Thomasville 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 Thomasville level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| Flagstar Bank, FSB | 6 | 6.85% | $7,774 |
| Ameris Bank | 1 | 6.25% | $2,116 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 1 | 6.25% | $9,864 |
| MORTGAGE INVESTORS GROUP, INC. | 1 | 5.63% | $12,048 |
The top Thomasville USDA lender as defined by loan originations is Flagstar Bank, FSB, with
6 USDA loans originated. Their average total fees are
$7,774, which is $5,658
higher than the next largest lender,
Ameris Bank.
The lowest fee Thomasville USDA lenders (with over 10 loans originated) are
.
The lowest rate Thomasville USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Thomasville (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 | $199,675 (17.5%) | $257,755 (7.7%) | 0.00 | 325 |
| 2018-02-01 | $199,900 (18.3%) | $263,080 (12.2%) | 0.00 | 327 |
| 2018-03-01 | $199,000 (17.1%) | $258,095 (7.9%) | 0.00 | 333 |
| 2018-04-01 | $193,650 (8.5%) | $256,473 (1.1%) | 0.00 | 331 |
| 2018-05-01 | $199,900 (6.6%) | $259,570 (-1.1%) | 0.00 | 350 |
| 2018-06-01 | $199,000 (0.1%) | $259,608 (-2.6%) | 0.00 | 356 |
| 2018-07-01 | $199,225 (0.1%) | $261,426 (-4.6%) | 0.00 | 359 |
| 2018-08-01 | $189,450 (-9.8%) | $254,469 (-9.3%) | 0.00 | 361 |
| 2018-09-01 | $192,400 (-12.1%) | $265,908 (-3.6%) | 0.00 | 347 |
| 2018-10-01 | $189,900 (-14.5%) | $263,014 (-5.5%) | 0.00 | 346 |
| 2018-11-01 | $186,500 (-14.5%) | $254,511 (-6.0%) | 0.00 | 349 |
| 2018-12-01 | $189,900 (-9.5%) | $259,930 (2.0%) | 0.00 | 344 |
| 2019-01-01 | $195,200 (-2.2%) | $263,481 (2.2%) | 0.00 | 327 |
| 2019-02-01 | $209,450 (4.8%) | $274,032 (4.2%) | 0.00 | 322 |
| 2019-03-01 | $212,043 (6.6%) | $281,513 (9.1%) | 0.00 | 307 |
| 2019-04-01 | $219,843 (13.5%) | $297,429 (16.0%) | 0.00 | 287 |
| 2019-05-01 | $218,475 (9.3%) | $291,743 (12.4%) | 0.00 | 280 |
| 2019-06-01 | $219,000 (10.1%) | $291,769 (12.4%) | 0.00 | 275 |
| 2019-07-01 | $224,950 (12.9%) | $299,196 (14.5%) | 0.00 | 278 |
| 2019-08-01 | $226,336 (19.5%) | $307,523 (20.9%) | 0.00 | 271 |
| 2019-09-01 | $228,341 (18.7%) | $319,879 (20.3%) | 0.00 | 266 |
| 2019-10-01 | $229,227 (20.7%) | $327,437 (24.5%) | 0.00 | 263 |
| 2019-11-01 | $220,000 (18.0%) | $322,604 (26.8%) | 0.00 | 267 |
| 2019-12-01 | $238,475 (25.6%) | $319,061 (22.8%) | 0.00 | 253 |
| 2020-01-01 | $239,700 (22.8%) | $315,513 (19.8%) | 0.00 | 244 |
| 2020-02-01 | $241,900 (15.5%) | $325,687 (18.9%) | 0.00 | 242 |
| 2020-03-01 | $239,900 (13.1%) | $328,493 (16.7%) | 0.00 | 239 |
| 2020-04-01 | $229,500 (4.4%) | $312,580 (5.1%) | 0.00 | 239 |
| 2020-05-01 | $224,900 (2.9%) | $323,603 (10.9%) | 0.00 | 222 |
| 2020-06-01 | $239,900 (9.5%) | $330,494 (13.3%) | 0.00 | 208 |
| 2020-07-01 | $239,675 (6.6%) | $317,397 (6.1%) | 0.00 | 202 |
| 2020-08-01 | $257,450 (13.8%) | $338,267 (10.0%) | 0.00 | 191 |
| 2020-09-01 | $269,450 (18.0%) | $354,127 (10.7%) | 0.00 | 180 |
| 2020-10-01 | $259,900 (13.4%) | $329,608 (0.7%) | 0.00 | 194 |
| 2020-11-01 | $256,950 (16.8%) | $334,363 (3.7%) | 0.00 | 198 |
| 2020-12-01 | $261,150 (9.5%) | $350,729 (9.9%) | 0.00 | 172 |
| 2021-01-01 | $279,000 (16.4%) | $360,928 (14.4%) | 0.00 | 162 |
| 2021-02-01 | $319,450 (32.1%) | $370,894 (13.9%) | 0.00 | 136 |
| 2021-03-01 | $324,175 (35.1%) | $371,390 (13.1%) | 0.00 | 123 |
| 2021-04-01 | $313,200 (36.5%) | $373,621 (19.5%) | 0.00 | 124 |
| 2021-05-01 | $299,900 (33.4%) | $375,759 (16.1%) | 0.00 | 107 |
| 2021-06-01 | $299,000 (24.6%) | $380,756 (15.2%) | 0.00 | 99 |
| 2021-07-01 | $259,900 (8.4%) | $380,311 (19.8%) | 0.00 | 99 |
| 2021-08-01 | $259,950 (1.0%) | $367,399 (8.6%) | 0.00 | 108 |
| 2021-09-01 | $271,450 (0.7%) | $388,810 (9.8%) | 0.00 | 113 |
| 2021-10-01 | $259,900 (0.0%) | $388,203 (17.8%) | 0.00 | 122 |
| 2021-11-01 | $261,200 (1.7%) | $397,598 (18.9%) | 0.00 | 128 |
| 2021-12-01 | $270,625 (3.6%) | $402,251 (14.7%) | 0.00 | 129 |
| 2022-01-01 | $265,000 (-5.0%) | $394,722 (9.4%) | 0.00 | 117 |
| 2022-02-01 | $255,325 (-20.1%) | $406,243 (9.5%) | 0.00 | 96 |
| 2022-03-01 | $268,675 (-17.1%) | $425,911 (14.7%) | 0.00 | 97 |
| 2022-04-01 | $259,250 (-17.2%) | $409,762 (9.7%) | 0.00 | 96 |
| 2022-05-01 | $269,900 (-10.0%) | $408,383 (8.7%) | 0.00 | 105 |
| 2022-06-01 | $263,675 (-11.8%) | $376,475 (-1.1%) | 0.00 | 123 |
| 2022-07-01 | $268,000 (3.1%) | $360,387 (-5.2%) | 0.00 | 144 |
| 2022-08-01 | $269,975 (3.9%) | $360,854 (-1.8%) | 0.00 | 156 |
| 2022-09-01 | $277,000 (2.0%) | $371,061 (-4.6%) | 0.00 | 159 |
| 2022-10-01 | $279,900 (7.7%) | $365,207 (-5.9%) | 0.00 | 169 |
| 2022-11-01 | $277,450 (6.2%) | $355,947 (-10.5%) | 0.00 | 172 |
| 2022-12-01 | $279,900 (3.4%) | $349,190 (-13.2%) | 0.00 | 153 |
| 2023-01-01 | $303,450 (14.5%) | $362,879 (-8.1%) | 0.00 | 141 |
| 2023-02-01 | $316,498 (24.0%) | $355,855 (-12.4%) | 0.00 | 143 |
| 2023-03-01 | $299,000 (11.3%) | $344,636 (-19.1%) | 0.00 | 131 |
| 2023-04-01 | $299,000 (15.3%) | $365,080 (-10.9%) | 0.00 | 137 |
| 2023-05-01 | $302,400 (12.0%) | $361,275 (-11.5%) | 0.00 | 139 |
| 2023-06-01 | $322,500 (22.3%) | $373,715 (-0.7%) | 0.00 | 141 |
| 2023-07-01 | $344,900 (28.7%) | $428,411 (18.9%) | 0.00 | 134 |
| 2023-08-01 | $349,900 (29.6%) | $432,879 (20.0%) | 0.00 | 145 |
| 2023-09-01 | $349,900 (26.3%) | $437,230 (17.8%) | 0.00 | 137 |
| 2023-10-01 | $339,900 (21.4%) | $419,916 (15.0%) | 0.00 | 151 |
| 2023-11-01 | $327,000 (17.9%) | $395,844 (11.2%) | 0.00 | 175 |
| 2023-12-01 | $329,700 (17.8%) | $401,844 (15.1%) | 0.00 | 164 |
| 2024-01-01 | $329,375 (8.5%) | $393,715 (8.5%) | 0.00 | 166 |
| 2024-02-01 | $313,250 (-1.0%) | $377,719 (6.1%) | 0.00 | 175 |
| 2024-03-01 | $307,200 (2.7%) | $376,625 (9.3%) | 0.00 | 177 |
| 2024-04-01 | $309,950 (3.7%) | $386,092 (5.8%) | 0.00 | 170 |
| 2024-05-01 | $324,950 (7.5%) | $405,997 (12.4%) | 0.00 | 176 |
| 2024-06-01 | $315,000 (-2.3%) | $400,821 (7.3%) | 0.00 | 181 |
| 2024-07-01 | $345,950 (0.3%) | $420,108 (-1.9%) | 0.00 | 161 |
| 2024-08-01 | $349,900 (0.0%) | $415,486 (-4.0%) | 0.00 | 174 |
| 2024-09-01 | $335,000 (-4.3%) | $410,287 (-6.2%) | 0.00 | 191 |
| 2024-10-01 | $329,225 (-3.1%) | $408,788 (-2.7%) | 0.00 | 198 |
| 2024-11-01 | $319,900 (-2.2%) | $390,846 (-1.3%) | 0.00 | 217 |
| 2024-12-01 | $305,000 (-7.5%) | $399,700 (-0.5%) | 0.00 | 215 |
| 2025-01-01 | $312,500 (-5.1%) | $392,673 (-0.3%) | 0.00 | 204 |
Thomasville's median listing price comes in at 0% of the national average.
Thomasville's average listing price for 2025-01-01 was $392,673, a difference of $-1,042 (-0.3%) versus the prior year and $-7,027 versus the prior month.
For the 2025-01-01 period, Thomasville had 204 MLS listings, a difference of -11 listings (-5%) versus the prior month and 38 listings (23%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Thomasville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 0 days | 2,003 sqft |
| 2018-02-01 | 0 days | 1,996 sqft |
| 2018-03-01 | 0 days | 1,964 sqft |
| 2018-04-01 | 0 days | 1,923 sqft |
| 2018-05-01 | 0 days | 1,920 sqft |
| 2018-06-01 | 0 days | 1,925 sqft |
| 2018-07-01 | 0 days | 1,902 sqft |
| 2018-08-01 | 0 days | 1,845 sqft |
| 2018-09-01 | 0 days | 1,848 sqft |
| 2018-10-01 | 0 days | 1,851 sqft |
| 2018-11-01 | 0 days | 1,851 sqft |
| 2018-12-01 | 0 days | 1,853 sqft |
| 2019-01-01 | 0 days | 1,888 sqft |
| 2019-02-01 | 0 days | 1,901 sqft |
| 2019-03-01 | 0 days | 1,945 sqft |
| 2019-04-01 | 0 days | 2,005 sqft |
| 2019-05-01 | 0 days | 1,923 sqft |
| 2019-06-01 | 0 days | 1,962 sqft |
| 2019-07-01 | 0 days | 2,032 sqft |
| 2019-08-01 | 0 days | 2,053 sqft |
| 2019-09-01 | 0 days | 2,062 sqft |
| 2019-10-01 | 0 days | 2,067 sqft |
| 2019-11-01 | 0 days | 2,041 sqft |
| 2019-12-01 | 0 days | 2,064 sqft |
| 2020-01-01 | 0 days | 2,051 sqft |
| 2020-02-01 | 0 days | 2,064 sqft |
| 2020-03-01 | 0 days | 1,999 sqft |
| 2020-04-01 | 0 days | 1,964 sqft |
| 2020-05-01 | 0 days | 2,035 sqft |
| 2020-06-01 | 0 days | 2,019 sqft |
| 2020-07-01 | 0 days | 1,982 sqft |
| 2020-08-01 | 0 days | 2,145 sqft |
| 2020-09-01 | 0 days | 2,216 sqft |
| 2020-10-01 | 0 days | 2,057 sqft |
| 2020-11-01 | 0 days | 2,073 sqft |
| 2020-12-01 | 0 days | 2,101 sqft |
| 2021-01-01 | 0 days | 2,221 sqft |
| 2021-02-01 | 0 days | 2,271 sqft |
| 2021-03-01 | 0 days | 2,225 sqft |
| 2021-04-01 | 0 days | 2,205 sqft |
| 2021-05-01 | 0 days | 2,273 sqft |
| 2021-06-01 | 0 days | 2,237 sqft |
| 2021-07-01 | 0 days | 2,150 sqft |
| 2021-08-01 | 0 days | 2,182 sqft |
| 2021-09-01 | 0 days | 2,231 sqft |
| 2021-10-01 | 0 days | 2,165 sqft |
| 2021-11-01 | 0 days | 2,066 sqft |
| 2021-12-01 | 0 days | 2,123 sqft |
| 2022-01-01 | 0 days | 2,117 sqft |
| 2022-02-01 | 0 days | 2,126 sqft |
| 2022-03-01 | 0 days | 2,109 sqft |
| 2022-04-01 | 0 days | 1,904 sqft |
| 2022-05-01 | 0 days | 1,952 sqft |
| 2022-06-01 | 0 days | 1,919 sqft |
| 2022-07-01 | 0 days | 1,848 sqft |
| 2022-08-01 | 0 days | 1,825 sqft |
| 2022-09-01 | 0 days | 1,874 sqft |
| 2022-10-01 | 0 days | 1,885 sqft |
| 2022-11-01 | 0 days | 1,830 sqft |
| 2022-12-01 | 0 days | 1,788 sqft |
| 2023-01-01 | 0 days | 1,811 sqft |
| 2023-02-01 | 0 days | 1,790 sqft |
| 2023-03-01 | 0 days | 1,749 sqft |
| 2023-04-01 | 0 days | 1,765 sqft |
| 2023-05-01 | 0 days | 1,727 sqft |
| 2023-06-01 | 0 days | 1,751 sqft |
| 2023-07-01 | 0 days | 1,885 sqft |
| 2023-08-01 | 0 days | 1,928 sqft |
| 2023-09-01 | 0 days | 1,980 sqft |
| 2023-10-01 | 0 days | 1,923 sqft |
| 2023-11-01 | 0 days | 1,894 sqft |
| 2023-12-01 | 0 days | 1,914 sqft |
| 2024-01-01 | 0 days | 1,930 sqft |
| 2024-02-01 | 0 days | 1,909 sqft |
| 2024-03-01 | 0 days | 1,845 sqft |
| 2024-04-01 | 0 days | 1,848 sqft |
| 2024-05-01 | 0 days | 1,894 sqft |
| 2024-06-01 | 0 days | 1,894 sqft |
| 2024-07-01 | 0 days | 1,997 sqft |
| 2024-08-01 | 0 days | 1,921 sqft |
| 2024-09-01 | 0 days | 1,884 sqft |
| 2024-10-01 | 0 days | 1,868 sqft |
| 2024-11-01 | 0 days | 1,827 sqft |
| 2024-12-01 | 0 days | 1,815 sqft |
| 2025-01-01 | 0 days | 1,816 sqft |
Thomasville's median square footage for active listings during the 2025-01-01 period was 1,816 sqft. One year prior, the average listing was 1,930 sqft.