Toccoa USDA Loan Rates, Closing Costs & Stats
Toccoa, 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.
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
6.8%
for the week of 2025-02-14, compared to the national average (all USDA variants) of
6.526% for the same period.
Toccoa's average USDA mortgage closing costs are $4,048.
The average rate for the prior week (2025-02-07) was
6.36% and
one month ago for the week of 2025-01-10, the
average rate was 6.41%.
The average rate one year ago was 6.7%.
For refis of the same type during the week of 2025-02-14, the average rate
was 6.33%.
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. LouisDate | 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 |
Toccoa's median listing price comes in at 0% of the national average.
Toccoa's average listing price for 2025-01-01 was $430,371, a difference of $43,175 (11.2%) versus the prior year and $11,619 versus the prior month.
For the 2025-01-01 period, Toccoa had 111 MLS listings, a difference of -18 listings (-14%) versus the prior month and 33 listings (42%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Toccoa (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | 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 | 1,669 sqft |
Toccoa's median square footage for active listings during the 2025-01-01 period was 1,669 sqft. One year prior, the average listing was 1,658 sqft.