Toccoa USDA Loan Rates, Closing Costs & Stats

Toccoa, GA

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    • 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.

    Toccoa's 15 lenders originated 21 USDA loans during 2023. The total origination value was $4,115,000, with an average USDA loan value of $195,952.

    Toccoa USDA Loans, 30 Year Fixed Rates

    30 Year USDA mortgages in Toccoa averaged 6.56% for the week of 2025-03-21, compared to the national average (all USDA variants) of 6.379% for the same period.

    Toccoa's average USDA mortgage closing costs are $4,048.

    The average rate for the prior week (2025-03-14) was 6.66% and one month ago for the week of 2025-02-14, the average rate was 6.7%.

    The average rate one year ago was 6.48%.

    For refis of the same type during the week of 2025-03-21, the average rate was 6.48%.

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

    Toccoa 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 Toccoa level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    HOMEOWNERS FINANCIAL GROUP USA, LLC 4 6.91% $7,750
    STOCKTON MORTGAGE CORPORATION 2 6.63% $7,047
    UNITED WHOLESALE MORTGAGE, LLC 2 5.94% $8,363
    First Option Mortgage, LLC 1 6.13% $6,432
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 6.50% $9,846
    HOMESTAR FINANCIAL CORPORATION 1 6.25% $2,414
    Magnolia Bank 1 6.50% $7,805
    NEWREZ LLC 1 7.75% $8,367
    NP, Inc. 1 8.13% $15,235
    Paramount Residential Mortgage Group, Inc. 1 6.13% $6,141
    RADIUS FINANCIAL GROUP INC. 1 7.00% $5,353
    1ST SIGNATURE LENDING, LLC 1 6.63% $8,798
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 5.63% $10,384
    ACOPIA, LLC 1 5.99% $8,609
    Equity Prime Mortgage LLC 1 6.25% $5,601

    The top Toccoa USDA lender as defined by loan originations is HOMEOWNERS FINANCIAL GROUP USA, LLC, with 4 USDA loans originated. Their average total fees are $7,750, which is $703 higher than the next largest lender, STOCKTON MORTGAGE CORPORATION.

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

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

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Toccoa (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 $216,000 (0.7%) $291,172 (6.4%) 0.00 124
    2018-02-01 $216,000 (-1.9%) $287,059 (4.1%) 0.00 130
    2018-03-01 $229,450 (1.8%) $289,124 (3.0%) 0.00 142
    2018-04-01 $243,475 (8.2%) $298,603 (6.9%) 0.00 144
    2018-05-01 $235,375 (3.7%) $297,791 (8.7%) 0.00 153
    2018-06-01 $229,000 (-3.8%) $292,674 (4.4%) 0.00 158
    2018-07-01 $250,000 (0.0%) $304,483 (2.9%) 0.00 149
    2018-08-01 $250,000 (0.1%) $302,984 (1.4%) 0.00 136
    2018-09-01 $235,000 (-6.0%) $292,799 (-4.0%) 0.00 135
    2018-10-01 $225,000 (-0.4%) $282,041 (-6.4%) 0.00 146
    2018-11-01 $220,000 (-10.6%) $303,628 (-0.5%) 0.00 143
    2018-12-01 $239,000 (1.1%) $315,162 (3.3%) 0.00 129
    2019-01-01 $244,950 (13.4%) $321,139 (10.3%) 0.00 123
    2019-02-01 $224,000 (3.7%) $312,671 (8.9%) 0.00 115
    2019-03-01 $200,143 (-12.8%) $284,988 (-1.4%) 0.00 118
    2019-04-01 $191,818 (-21.2%) $267,286 (-10.5%) 0.00 123
    2019-05-01 $214,175 (-9.0%) $278,289 (-6.6%) 0.00 111
    2019-06-01 $199,900 (-12.7%) $270,920 (-7.4%) 0.00 115
    2019-07-01 $205,825 (-17.7%) $270,769 (-11.1%) 0.00 123
    2019-08-01 $179,655 (-28.1%) $264,438 (-12.7%) 0.00 121
    2019-09-01 $186,711 (-20.6%) $267,007 (-8.8%) 0.00 122
    2019-10-01 $215,350 (-4.3%) $275,868 (-2.2%) 0.00 116
    2019-11-01 $250,000 (13.6%) $299,474 (-1.4%) 0.00 101
    2019-12-01 $252,200 (5.5%) $302,360 (-4.1%) 0.00 89
    2020-01-01 $252,450 (3.1%) $301,616 (-6.1%) 0.00 82
    2020-02-01 $254,900 (13.8%) $297,139 (-5.0%) 0.00 78
    2020-03-01 $247,000 (23.4%) $282,910 (-0.7%) 0.00 78
    2020-04-01 $244,700 (27.6%) $281,015 (5.1%) 0.00 85
    2020-05-01 $247,000 (15.3%) $292,465 (5.1%) 0.00 76
    2020-06-01 $270,750 (35.4%) $314,663 (16.2%) 0.00 66
    2020-07-01 $249,250 (21.1%) $307,401 (13.5%) 0.00 54
    2020-08-01 $257,400 (43.3%) $308,117 (16.5%) 0.00 52
    2020-09-01 $281,150 (50.6%) $320,551 (20.1%) 0.00 55
    2020-10-01 $279,900 (30.0%) $321,748 (16.6%) 0.00 53
    2020-11-01 $277,975 (11.2%) $313,730 (4.8%) 0.00 51
    2020-12-01 $207,450 (-17.7%) $272,516 (-9.9%) 0.00 46
    2021-01-01 $279,450 (10.7%) $304,661 (1.0%) 0.00 57
    2021-02-01 $264,900 (3.9%) $334,119 (12.5%) 0.00 65
    2021-03-01 $324,450 (31.4%) $386,218 (36.5%) 0.00 57
    2021-04-01 $324,450 (32.6%) $393,109 (39.9%) 0.00 52
    2021-05-01 $329,450 (33.4%) $401,060 (37.1%) 0.00 52
    2021-06-01 $329,900 (21.9%) $383,757 (22.0%) 0.00 55
    2021-07-01 $349,900 (40.4%) $431,142 (40.3%) 0.00 54
    2021-08-01 $324,450 (26.1%) $364,725 (18.4%) 0.00 52
    2021-09-01 $314,250 (11.8%) $339,940 (6.1%) 0.00 67
    2021-10-01 $299,950 (7.2%) $330,551 (2.7%) 0.00 59
    2021-11-01 $275,600 (-0.9%) $297,738 (-5.1%) 0.00 59
    2021-12-01 $281,200 (35.6%) $307,148 (12.7%) 0.00 55
    2022-01-01 $294,900 (5.5%) $318,000 (4.4%) 0.00 41
    2022-02-01 $286,725 (8.2%) $300,579 (-10.0%) 0.00 40
    2022-03-01 $289,950 (-10.6%) $321,792 (-16.7%) 0.00 43
    2022-04-01 $307,500 (-5.2%) $326,739 (-16.9%) 0.00 38
    2022-05-01 $278,475 (-15.5%) $339,034 (-15.5%) 0.00 54
    2022-06-01 $277,000 (-16.0%) $334,770 (-12.8%) 0.00 49
    2022-07-01 $268,900 (-23.2%) $311,806 (-27.7%) 0.00 65
    2022-08-01 $281,200 (-13.3%) $310,385 (-14.9%) 0.00 85
    2022-09-01 $284,900 (-9.3%) $317,232 (-6.7%) 0.00 78
    2022-10-01 $269,750 (-10.1%) $310,999 (-5.9%) 0.00 79
    2022-11-01 $282,400 (2.5%) $322,629 (8.4%) 0.00 75
    2022-12-01 $309,900 (10.2%) $355,663 (15.8%) 0.00 64
    2023-01-01 $328,650 (11.4%) $360,189 (13.3%) 0.00 59
    2023-02-01 $334,950 (16.8%) $393,526 (30.9%) 0.00 55
    2023-03-01 $331,250 (14.2%) $390,733 (21.4%) 0.00 61
    2023-04-01 $330,000 (7.3%) $410,528 (25.6%) 0.00 66
    2023-05-01 $336,175 (20.7%) $383,016 (13.0%) 0.00 74
    2023-06-01 $338,675 (22.3%) $414,098 (23.7%) 0.00 67
    2023-07-01 $339,900 (26.4%) $428,148 (37.3%) 0.00 76
    2023-08-01 $327,475 (16.5%) $406,085 (30.8%) 0.00 82
    2023-09-01 $309,950 (8.8%) $395,367 (24.6%) 0.00 72
    2023-10-01 $327,500 (21.4%) $414,313 (33.2%) 0.00 75
    2023-11-01 $289,900 (2.7%) $389,749 (20.8%) 0.00 85
    2023-12-01 $286,000 (-7.7%) $376,426 (5.8%) 0.00 79
    2024-01-01 $299,950 (-8.7%) $387,196 (7.5%) 0.00 78
    2024-02-01 $305,950 (-8.7%) $432,782 (10.0%) 0.00 76
    2024-03-01 $297,400 (-10.2%) $437,121 (11.9%) 0.00 78
    2024-04-01 $299,225 (-9.3%) $415,515 (1.2%) 0.00 73
    2024-05-01 $332,000 (-1.2%) $460,466 (20.2%) 0.00 75
    2024-06-01 $319,500 (-5.7%) $443,948 (7.2%) 0.00 85
    2024-07-01 $308,675 (-9.2%) $421,645 (-1.5%) 0.00 103
    2024-08-01 $294,900 (-10.0%) $416,769 (2.6%) 0.00 108
    2024-09-01 $277,450 (-10.5%) $419,353 (6.1%) 0.00 116
    2024-10-01 $284,950 (-13.0%) $439,332 (6.0%) 0.00 121
    2024-11-01 $277,450 (-4.3%) $420,513 (7.9%) 0.00 124
    2024-12-01 $296,175 (3.6%) $418,752 (11.2%) 0.00 129
    2025-01-01 $299,675 (-0.1%) $430,371 (11.2%) 0.00 111
    2025-02-01 $293,150 (-4.2%) $420,557 (-2.8%) 0.00 115
    Toccoa's median listing price for 2025-02-01 was $293,150, a difference of $-12,800 (-4.2%) versus the prior year and $-6,525 versus the prior month.

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

    Toccoa's average listing price for 2025-02-01 was $420,557, a difference of $-12,225 (-2.8%) versus the prior year and $-9,814 versus the prior month.

    For the 2025-02-01 period, Toccoa had 115 MLS listings, a difference of 4 listings (4%) versus the prior month and 39 listings (51%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Toccoa (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,937 sqft
    2018-02-01 0 days 1,985 sqft
    2018-03-01 0 days 2,132 sqft
    2018-04-01 0 days 2,096 sqft
    2018-05-01 0 days 2,085 sqft
    2018-06-01 0 days 2,028 sqft
    2018-07-01 0 days 2,168 sqft
    2018-08-01 0 days 2,134 sqft
    2018-09-01 0 days 2,044 sqft
    2018-10-01 0 days 1,926 sqft
    2018-11-01 0 days 1,967 sqft
    2018-12-01 0 days 2,039 sqft
    2019-01-01 0 days 2,054 sqft
    2019-02-01 0 days 1,884 sqft
    2019-03-01 0 days 1,815 sqft
    2019-04-01 0 days 1,792 sqft
    2019-05-01 0 days 1,777 sqft
    2019-06-01 0 days 1,733 sqft
    2019-07-01 0 days 1,756 sqft
    2019-08-01 0 days 1,756 sqft
    2019-09-01 0 days 1,770 sqft
    2019-10-01 0 days 1,806 sqft
    2019-11-01 0 days 2,030 sqft
    2019-12-01 0 days 2,122 sqft
    2020-01-01 0 days 2,161 sqft
    2020-02-01 0 days 2,180 sqft
    2020-03-01 0 days 1,978 sqft
    2020-04-01 0 days 2,041 sqft
    2020-05-01 0 days 2,011 sqft
    2020-06-01 0 days 2,223 sqft
    2020-07-01 0 days 1,925 sqft
    2020-08-01 0 days 1,720 sqft
    2020-09-01 0 days 1,720 sqft
    2020-10-01 0 days 1,693 sqft
    2020-11-01 0 days 1,741 sqft
    2020-12-01 0 days 1,632 sqft
    2021-01-01 0 days 1,625 sqft
    2021-02-01 0 days 1,545 sqft
    2021-03-01 0 days 1,693 sqft
    2021-04-01 0 days 1,517 sqft
    2021-05-01 0 days 1,648 sqft
    2021-06-01 0 days 1,734 sqft
    2021-07-01 0 days 1,852 sqft
    2021-08-01 0 days 1,960 sqft
    2021-09-01 0 days 1,788 sqft
    2021-10-01 0 days 1,840 sqft
    2021-11-01 0 days 1,638 sqft
    2021-12-01 0 days 1,694 sqft
    2022-01-01 0 days 1,668 sqft
    2022-02-01 0 days 1,663 sqft
    2022-03-01 0 days 1,710 sqft
    2022-04-01 0 days 1,642 sqft
    2022-05-01 0 days 1,760 sqft
    2022-06-01 0 days 1,751 sqft
    2022-07-01 0 days 1,672 sqft
    2022-08-01 0 days 1,611 sqft
    2022-09-01 0 days 1,683 sqft
    2022-10-01 0 days 1,607 sqft
    2022-11-01 0 days 1,634 sqft
    2022-12-01 0 days 1,745 sqft
    2023-01-01 0 days 1,793 sqft
    2023-02-01 0 days 1,792 sqft
    2023-03-01 0 days 1,762 sqft
    2023-04-01 0 days 1,784 sqft
    2023-05-01 0 days 1,800 sqft
    2023-06-01 0 days 1,900 sqft
    2023-07-01 0 days 1,875 sqft
    2023-08-01 0 days 1,780 sqft
    2023-09-01 0 days 1,848 sqft
    2023-10-01 0 days 1,770 sqft
    2023-11-01 0 days 1,657 sqft
    2023-12-01 0 days 1,576 sqft
    2024-01-01 0 days 1,658 sqft
    2024-02-01 0 days 1,650 sqft
    2024-03-01 0 days 1,646 sqft
    2024-04-01 0 days 1,597 sqft
    2024-05-01 0 days 1,742 sqft
    2024-06-01 0 days 1,734 sqft
    2024-07-01 0 days 1,754 sqft
    2024-08-01 0 days 1,729 sqft
    2024-09-01 0 days 1,553 sqft
    2024-10-01 0 days 1,600 sqft
    2024-11-01 0 days 1,600 sqft
    2024-12-01 0 days 1,702 sqft
    2025-01-01 0 days 1,665 sqft
    2025-02-01 0 days 1,707 sqft
    Toccoa's median listing age (time on market) for 2025-02-01 was 0 days.

    Toccoa's median square footage for active listings during the 2025-02-01 period was 1,707 sqft. One year prior, the average listing was 1,650 sqft.