Tifton USDA Loan Rates, Closing Costs & Stats

Tifton, 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.

    Tifton's 8 lenders originated 25 USDA loans during 2023. The total origination value was $4,805,000, with an average USDA loan value of $192,200.

    Tifton USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Tifton averaged 6.17% for the week of 2025-02-14, compared to the national average (all USDA variants) of 6.526% for the same period.

    Tifton's average USDA mortgage closing costs are $5,180.

    The average rate for the prior week (2025-02-07) was 6.53% and one month ago for the week of 2025-01-10, the average rate was 6.57%.

    The average rate one year ago was 6.36%.

    For refis of the same type during the week of 2025-02-14, the average rate was 6.43%.

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

    Tifton 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 Tifton level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    BANKSOUTH MORTGAGE COMPANY, LLC 9 6.23% $7,329
    HOMESTAR FINANCIAL CORPORATION 4 6.63% $2,660
    UNITED WHOLESALE MORTGAGE, LLC 3 6.54% $8,872
    UNION HOME MORTGAGE CORP. 2 7.00% $8,354
    CANOPY MORTGAGE, LLC 2 6.75% $7,730
    CARDINAL FINANCIAL 1 5.88% $6,406
    TOWNE MORTGAGE COMPANY 1 6.63% $10,759
    Truist 1 6.63% $5,293

    The top Tifton USDA lender as defined by loan originations is BANKSOUTH MORTGAGE COMPANY, LLC, with 9 USDA loans originated. Their average total fees are $7,329, which is $4,670 higher than the next largest lender, HOMESTAR FINANCIAL CORPORATION.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Tifton (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 $131,475 (-7.7%) $156,836 (1.7%) 0.00 149
    2018-02-01 $136,425 (-2.5%) $163,658 (5.0%) 0.00 150
    2018-03-01 $139,700 (-6.2%) $169,255 (3.9%) 0.00 153
    2018-04-01 $149,675 (-2.8%) $177,598 (6.8%) 0.00 158
    2018-05-01 $148,500 (-0.9%) $174,856 (4.9%) 0.00 145
    2018-06-01 $149,950 (5.1%) $178,629 (7.0%) 0.00 138
    2018-07-01 $145,875 (5.0%) $183,026 (14.3%) 0.00 133
    2018-08-01 $143,000 (7.4%) $176,620 (13.2%) 0.00 148
    2018-09-01 $140,000 (4.9%) $177,377 (14.4%) 0.00 157
    2018-10-01 $147,175 (21.7%) $176,909 (17.9%) 0.00 154
    2018-11-01 $146,450 (22.1%) $172,152 (13.5%) 0.00 157
    2018-12-01 $155,000 (24.1%) $175,335 (14.7%) 0.00 155
    2019-01-01 $157,450 (19.8%) $178,747 (14.0%) 0.00 141
    2019-02-01 $149,700 (9.7%) $189,874 (16.0%) 0.00 142
    2019-03-01 $161,386 (15.5%) $195,747 (15.7%) 0.00 137
    2019-04-01 $169,900 (13.5%) $201,910 (13.7%) 0.00 129
    2019-05-01 $159,950 (7.7%) $204,881 (17.2%) 0.00 133
    2019-06-01 $159,900 (6.6%) $196,671 (10.1%) 0.00 123
    2019-07-01 $169,800 (16.4%) $199,026 (8.7%) 0.00 118
    2019-08-01 $176,518 (23.4%) $200,631 (13.6%) 0.00 116
    2019-09-01 $172,795 (23.4%) $196,645 (10.9%) 0.00 116
    2019-10-01 $175,314 (19.1%) $196,023 (10.8%) 0.00 115
    2019-11-01 $179,500 (22.6%) $203,519 (18.2%) 0.00 119
    2019-12-01 $169,650 (9.5%) $191,185 (9.0%) 0.00 121
    2020-01-01 $169,900 (7.9%) $191,170 (7.0%) 0.00 117
    2020-02-01 $169,450 (13.2%) $187,794 (-1.1%) 0.00 118
    2020-03-01 $173,725 (7.7%) $192,461 (-1.7%) 0.00 95
    2020-04-01 $184,475 (8.6%) $197,066 (-2.4%) 0.00 95
    2020-05-01 $192,450 (20.3%) $206,346 (0.7%) 0.00 89
    2020-06-01 $210,675 (31.8%) $220,856 (12.3%) 0.00 78
    2020-07-01 $216,450 (27.5%) $415,713 (108.9%) 0.00 74
    2020-08-01 $229,000 (29.7%) $482,663 (140.6%) 0.00 62
    2020-09-01 $222,425 (28.7%) $517,392 (163.1%) 0.00 54
    2020-10-01 $203,500 (16.1%) $472,466 (141.0%) 0.00 62
    2020-11-01 $202,625 (12.9%) $500,778 (146.1%) 0.00 53
    2020-12-01 $149,900 (-11.6%) $378,324 (97.9%) 0.00 76
    2021-01-01 $189,900 (11.8%) $502,583 (162.9%) 0.00 56
    2021-02-01 $188,675 (11.4%) $518,514 (176.1%) 0.00 50
    2021-03-01 $192,150 (10.6%) $537,094 (179.1%) 0.00 46
    2021-04-01 $220,000 (19.3%) $523,667 (165.7%) 0.00 48
    2021-05-01 $219,000 (13.8%) $486,657 (135.8%) 0.00 51
    2021-06-01 $209,450 (-0.6%) $472,226 (113.8%) 0.00 51
    2021-07-01 $219,900 (1.6%) $248,029 (-40.3%) 0.00 50
    2021-08-01 $199,300 (-13.0%) $250,430 (-48.1%) 0.00 60
    2021-09-01 $196,225 (-11.8%) $247,119 (-52.2%) 0.00 60
    2021-10-01 $217,000 (6.6%) $260,622 (-44.8%) 0.00 52
    2021-11-01 $228,725 (12.9%) $253,774 (-49.3%) 0.00 42
    2021-12-01 $226,750 (51.3%) $258,031 (-31.8%) 0.00 48
    2022-01-01 $229,000 (20.6%) $259,374 (-48.4%) 0.00 48
    2022-02-01 $237,800 (26.0%) $281,487 (-45.7%) 0.00 44
    2022-03-01 $302,850 (57.6%) $327,018 (-39.1%) 0.00 42
    2022-04-01 $299,000 (35.9%) $345,067 (-34.1%) 0.00 39
    2022-05-01 $250,350 (14.3%) $332,050 (-31.8%) 0.00 38
    2022-06-01 $249,000 (18.9%) $316,252 (-33.0%) 0.00 40
    2022-07-01 $224,900 (2.3%) $292,473 (17.9%) 0.00 53
    2022-08-01 $237,400 (19.1%) $296,993 (18.6%) 0.00 59
    2022-09-01 $235,575 (20.1%) $314,807 (27.4%) 0.00 62
    2022-10-01 $234,200 (7.9%) $305,613 (17.3%) 0.00 72
    2022-11-01 $235,900 (3.1%) $300,878 (18.6%) 0.00 79
    2022-12-01 $239,900 (5.8%) $306,886 (18.9%) 0.00 80
    2023-01-01 $254,600 (11.2%) $318,129 (22.7%) 0.00 82
    2023-02-01 $253,850 (6.8%) $316,218 (12.3%) 0.00 66
    2023-03-01 $249,000 (-17.8%) $300,604 (-8.1%) 0.00 60
    2023-04-01 $240,000 (-19.7%) $293,613 (-14.9%) 0.00 58
    2023-05-01 $245,975 (-1.8%) $296,786 (-10.6%) 0.00 56
    2023-06-01 $253,350 (1.8%) $325,400 (2.9%) 0.00 57
    2023-07-01 $254,700 (13.3%) $318,603 (8.9%) 0.00 61
    2023-08-01 $271,585 (14.4%) $330,629 (11.3%) 0.00 73
    2023-09-01 $272,690 (15.8%) $295,143 (-6.3%) 0.00 79
    2023-10-01 $272,490 (16.4%) $302,522 (-1.0%) 0.00 74
    2023-11-01 $289,950 (22.9%) $306,227 (1.8%) 0.00 75
    2023-12-01 $269,740 (12.4%) $303,258 (-1.2%) 0.00 78
    2024-01-01 $267,960 (5.3%) $312,168 (-1.9%) 0.00 77
    2024-02-01 $259,735 (2.3%) $294,006 (-7.0%) 0.00 82
    2024-03-01 $249,900 (0.4%) $273,905 (-8.9%) 0.00 77
    2024-04-01 $269,225 (12.2%) $299,079 (1.9%) 0.00 80
    2024-05-01 $289,900 (17.9%) $313,279 (5.6%) 0.00 83
    2024-06-01 $284,950 (12.5%) $307,589 (-5.5%) 0.00 85
    2024-07-01 $286,675 (12.6%) $301,017 (-5.5%) 0.00 96
    2024-08-01 $292,450 (7.7%) $309,061 (-6.5%) 0.00 108
    2024-09-01 $284,400 (4.3%) $305,816 (3.6%) 0.00 106
    2024-10-01 $262,925 (-3.5%) $282,157 (-6.7%) 0.00 114
    2024-11-01 $279,000 (-3.8%) $295,957 (-3.4%) 0.00 117
    2024-12-01 $279,725 (3.7%) $302,445 (-0.3%) 0.00 103
    2025-01-01 $279,575 (4.3%) $307,305 (-1.6%) 0.00 100
    Tifton's median listing price for 2025-01-01 was $279,575, a difference of $11,615 (4.3%) versus the prior year and $-150 versus the prior month.

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

    Tifton's average listing price for 2025-01-01 was $307,305, a difference of $-4,863 (-1.6%) versus the prior year and $4,860 versus the prior month.

    For the 2025-01-01 period, Tifton had 100 MLS listings, a difference of -3 listings (-3%) versus the prior month and 23 listings (30%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Tifton (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,813 sqft
    2018-02-01 0 days 1,885 sqft
    2018-03-01 0 days 1,942 sqft
    2018-04-01 0 days 1,999 sqft
    2018-05-01 0 days 1,963 sqft
    2018-06-01 0 days 1,960 sqft
    2018-07-01 0 days 2,011 sqft
    2018-08-01 0 days 1,977 sqft
    2018-09-01 0 days 1,995 sqft
    2018-10-01 0 days 1,977 sqft
    2018-11-01 0 days 1,851 sqft
    2018-12-01 0 days 1,932 sqft
    2019-01-01 0 days 1,975 sqft
    2019-02-01 0 days 2,007 sqft
    2019-03-01 0 days 2,036 sqft
    2019-04-01 0 days 2,042 sqft
    2019-05-01 0 days 2,027 sqft
    2019-06-01 0 days 2,044 sqft
    2019-07-01 0 days 2,044 sqft
    2019-08-01 0 days 2,047 sqft
    2019-09-01 0 days 2,046 sqft
    2019-10-01 0 days 2,045 sqft
    2019-11-01 0 days 2,049 sqft
    2019-12-01 0 days 2,029 sqft
    2020-01-01 0 days 2,017 sqft
    2020-02-01 0 days 1,923 sqft
    2020-03-01 0 days 1,985 sqft
    2020-04-01 0 days 1,991 sqft
    2020-05-01 0 days 2,009 sqft
    2020-06-01 0 days 2,149 sqft
    2020-07-01 0 days 2,201 sqft
    2020-08-01 0 days 2,192 sqft
    2020-09-01 0 days 2,104 sqft
    2020-10-01 0 days 2,096 sqft
    2020-11-01 0 days 2,109 sqft
    2020-12-01 0 days 2,123 sqft
    2021-01-01 0 days 2,096 sqft
    2021-02-01 0 days 2,096 sqft
    2021-03-01 0 days 2,038 sqft
    2021-04-01 0 days 2,013 sqft
    2021-05-01 0 days 1,967 sqft
    2021-06-01 0 days 1,956 sqft
    2021-07-01 0 days 1,962 sqft
    2021-08-01 0 days 1,932 sqft
    2021-09-01 0 days 1,852 sqft
    2021-10-01 0 days 1,849 sqft
    2021-11-01 0 days 1,994 sqft
    2021-12-01 0 days 2,052 sqft
    2022-01-01 0 days 2,013 sqft
    2022-02-01 0 days 1,926 sqft
    2022-03-01 0 days 2,050 sqft
    2022-04-01 0 days 2,177 sqft
    2022-05-01 0 days 2,084 sqft
    2022-06-01 0 days 2,051 sqft
    2022-07-01 0 days 1,885 sqft
    2022-08-01 0 days 1,866 sqft
    2022-09-01 0 days 2,046 sqft
    2022-10-01 0 days 2,017 sqft
    2022-11-01 0 days 1,994 sqft
    2022-12-01 0 days 1,989 sqft
    2023-01-01 0 days 2,033 sqft
    2023-02-01 0 days 2,066 sqft
    2023-03-01 0 days 1,898 sqft
    2023-04-01 0 days 1,891 sqft
    2023-05-01 0 days 1,911 sqft
    2023-06-01 0 days 1,998 sqft
    2023-07-01 0 days 2,030 sqft
    2023-08-01 0 days 1,955 sqft
    2023-09-01 0 days 1,945 sqft
    2023-10-01 0 days 1,962 sqft
    2023-11-01 0 days 2,015 sqft
    2023-12-01 0 days 1,962 sqft
    2024-01-01 0 days 1,984 sqft
    2024-02-01 0 days 1,950 sqft
    2024-03-01 0 days 1,922 sqft
    2024-04-01 0 days 1,940 sqft
    2024-05-01 0 days 2,007 sqft
    2024-06-01 0 days 1,933 sqft
    2024-07-01 0 days 1,901 sqft
    2024-08-01 0 days 1,941 sqft
    2024-09-01 0 days 1,917 sqft
    2024-10-01 0 days 1,837 sqft
    2024-11-01 0 days 1,837 sqft
    2024-12-01 0 days 1,893 sqft
    2025-01-01 0 days 1,905 sqft
    Tifton's median listing age (time on market) for 2025-01-01 was 0 days.

    Tifton's median square footage for active listings during the 2025-01-01 period was 1,905 sqft. One year prior, the average listing was 1,984 sqft.