Warner Robins USDA Loan Rates, Closing Costs & Stats
WARNER ROBINS, 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.
Warner Robins's 20 lenders originated 30 USDA loans during 2023. The total origination value was $6,690,000, with an average USDA loan value of $223,000.
Warner Robins USDA Loans, 30 Year Fixed Rates
30 Year USDA mortgages in Warner Robins
averaged
6.65%
for the week of 2024-04-19, compared to the national average (all USDA variants) of
6.863% for the same period.
Warner Robins's average USDA mortgage closing costs are $5,316.
The average rate for the prior week (2024-04-12) was
6.5% and
one month ago for the week of 2024-03-15, the
average rate was 6.48%.
The average rate one year ago was 6.12%.
For refis of the same type during the week of 2024-04-19, the average rate
was 6.38%.
Warner Robins 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 Warner Robins level.
| Name | # of Loans | 2023 Avg. 30yFix Rate | 2023 Avg. Closing Costs |
|---|---|---|---|
| ATLANTIC BAY MORTGAGE GROUP, L.L.C. | 5 | 6.60% | $8,339 |
| ACADEMY MORTGAGE CORPORATION | 3 | 6.54% | $9,526 |
| VAN DYK MORTGAGE CORPORATION | 2 | 6.87% | $4,794 |
| BROKER SOLUTIONS, INC. | 2 | 5.88% | $9,781 |
| FAIRWAY INDEPENDENT MORTGAGE CORPORATION | 2 | 6.25% | $8,344 |
| Synovus Bank | 2 | 6.50% | $7,359 |
| DHI MORTGAGE COMPANY, LTD. | 1 | 5.25% | $5,289 |
| EMM LOANS LLC | 1 | 7.00% | $7,947 |
| VANDERBILT MORTGAGE AND FINANCE, INC. | 1 | 7.25% | $10,469 |
| FIRST COLONY MORTGAGE CORPORATION | 1 | 6.25% | $9,518 |
| GUARANTEED RATE, INC. | 1 | 6.63% | $7,784 |
| GUILD MORTGAGE COMPANY | 1 | 7.13% | $6,855 |
| HOMESPIRE MORTGAGE CORPORATION | 1 | 7.63% | $5,042 |
| Keystone Funding, Inc. | 1 | 6.88% | $4,541 |
| Loan Simple, Inc. | 1 | 5.75% | $14,211 |
| CARDINAL FINANCIAL | 1 | 5.25% | $8,919 |
| T2 FINANCIAL LLC | 1 | 7.38% | $9,129 |
| UNITED WHOLESALE MORTGAGE, LLC | 1 | 6.75% | $7,211 |
| Colony Bank | 1 | 5.50% | $6,813 |
| CROSSCOUNTRY MORTGAGE, LLC | 1 | 6.63% | $6,584 |
The top Warner Robins USDA lender as defined by loan originations is ATLANTIC BAY MORTGAGE GROUP, L.L.C., with
5 USDA loans originated. Their average total fees are
$8,339, which is $1,188
lower than the next largest lender,
ACADEMY MORTGAGE CORPORATION.
The lowest fee Warner Robins USDA lenders (with over 10 loans originated) are
.
The lowest rate Warner Robins USDA lenders (with over 10 loans originated) are
.
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Warner Robins (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 | $206,547 (28.1%) | $209,250 (13.4%) | 0.77 | 753 |
| 2018-02-01 | $212,500 (28.9%) | $214,155 (15.2%) | 0.77 | 779 |
| 2018-03-01 | $214,350 (26.5%) | $215,839 (13.4%) | 0.75 | 780 |
| 2018-04-01 | $218,894 (22.9%) | $218,506 (11.0%) | 0.74 | 766 |
| 2018-05-01 | $219,500 (18.7%) | $220,858 (8.1%) | 0.73 | 771 |
| 2018-06-01 | $216,888 (14.5%) | $218,416 (5.4%) | 0.72 | 816 |
| 2018-07-01 | $216,644 (11.2%) | $218,970 (4.5%) | 0.72 | 863 |
| 2018-08-01 | $211,563 (11.0%) | $216,572 (3.7%) | 0.71 | 890 |
| 2018-09-01 | $210,250 (7.5%) | $211,864 (1.9%) | 0.71 | 858 |
| 2018-10-01 | $214,163 (8.2%) | $213,473 (3.5%) | 0.73 | 852 |
| 2018-11-01 | $218,638 (12.0%) | $218,846 (7.1%) | 0.74 | 874 |
| 2018-12-01 | $218,772 (10.0%) | $217,429 (5.7%) | 0.75 | 818 |
| 2019-01-01 | $218,763 (5.9%) | $213,332 (2.0%) | 0.76 | 773 |
| 2019-02-01 | $217,963 (2.6%) | $212,970 (-0.6%) | 0.74 | 759 |
| 2019-03-01 | $212,064 (-1.1%) | $214,072 (-0.8%) | 0.69 | 768 |
| 2019-04-01 | $208,150 (-4.9%) | $217,076 (-0.7%) | 0.66 | 808 |
| 2019-05-01 | $199,950 (-8.9%) | $215,426 (-2.5%) | 0.62 | 813 |
| 2019-06-01 | $215,000 (-0.9%) | $221,906 (1.6%) | 0.67 | 748 |
| 2019-07-01 | $212,200 (-2.1%) | $221,137 (1.0%) | 0.66 | 750 |
| 2019-08-01 | $215,264 (1.8%) | $224,195 (3.5%) | 0.68 | 760 |
| 2019-09-01 | $219,559 (4.4%) | $226,565 (6.9%) | 0.70 | 767 |
| 2019-10-01 | $218,473 (2.0%) | $227,233 (6.5%) | 0.70 | 744 |
| 2019-11-01 | $213,000 (-2.6%) | $223,218 (2.0%) | 0.70 | 694 |
| 2019-12-01 | $218,837 (0.0%) | $230,499 (6.0%) | 0.73 | 649 |
| 2020-01-01 | $218,060 (-0.3%) | $226,775 (6.3%) | 0.73 | 636 |
| 2020-02-01 | $217,450 (-0.2%) | $225,746 (6.0%) | 0.71 | 618 |
| 2020-03-01 | $214,925 (1.4%) | $228,632 (6.8%) | 0.67 | 586 |
| 2020-04-01 | $215,000 (3.3%) | $229,869 (5.9%) | 0.67 | 539 |
| 2020-05-01 | $226,450 (13.3%) | $233,992 (8.6%) | 0.69 | 510 |
| 2020-06-01 | $235,395 (9.5%) | $238,352 (7.4%) | 0.69 | 427 |
| 2020-07-01 | $238,400 (12.4%) | $242,885 (9.8%) | 0.69 | 384 |
| 2020-08-01 | $231,955 (7.8%) | $240,039 (7.1%) | 0.66 | 383 |
| 2020-09-01 | $241,866 (10.2%) | $248,675 (9.8%) | 0.69 | 346 |
| 2020-10-01 | $239,000 (9.4%) | $254,792 (12.1%) | 0.68 | 314 |
| 2020-11-01 | $233,446 (9.6%) | $249,920 (12.0%) | 0.68 | 302 |
| 2020-12-01 | $236,641 (8.1%) | $252,897 (9.7%) | 0.70 | 295 |
| 2021-01-01 | $243,840 (11.8%) | $265,517 (17.1%) | 0.73 | 249 |
| 2021-02-01 | $252,710 (16.2%) | $273,611 (21.2%) | 0.74 | 218 |
| 2021-03-01 | $267,500 (24.5%) | $282,985 (23.8%) | 0.76 | 197 |
| 2021-04-01 | $277,425 (29.0%) | $299,073 (30.1%) | 0.75 | 197 |
| 2021-05-01 | $282,450 (24.7%) | $294,037 (25.7%) | 0.75 | 212 |
| 2021-06-01 | $294,950 (25.3%) | $305,666 (28.2%) | 0.78 | 249 |
| 2021-07-01 | $274,450 (15.1%) | $296,435 (22.1%) | 0.72 | 307 |
| 2021-08-01 | $256,680 (10.7%) | $281,196 (17.2%) | 0.68 | 319 |
| 2021-09-01 | $274,950 (13.7%) | $288,225 (15.9%) | 0.73 | 332 |
| 2021-10-01 | $255,486 (6.9%) | $280,443 (10.1%) | 0.68 | 380 |
| 2021-11-01 | $263,129 (12.7%) | $290,150 (16.1%) | 0.70 | 365 |
| 2021-12-01 | $267,652 (13.1%) | $286,151 (13.2%) | 0.73 | 320 |
| 2022-01-01 | $278,080 (14.0%) | $289,639 (9.1%) | 0.75 | 305 |
| 2022-02-01 | $288,765 (14.3%) | $305,484 (11.7%) | 0.75 | 288 |
| 2022-03-01 | $299,167 (11.8%) | $312,473 (10.4%) | 0.75 | 289 |
| 2022-04-01 | $287,995 (3.8%) | $308,240 (3.1%) | 0.69 | 289 |
| 2022-05-01 | $295,250 (4.5%) | $313,389 (6.6%) | 0.67 | 349 |
| 2022-06-01 | $305,653 (3.6%) | $316,683 (3.6%) | 0.68 | 407 |
| 2022-07-01 | $323,036 (17.7%) | $337,969 (14.0%) | 0.73 | 426 |
| 2022-08-01 | $324,484 (26.4%) | $333,742 (18.7%) | 0.75 | 428 |
| 2022-09-01 | $321,255 (16.8%) | $326,607 (13.3%) | 0.75 | 434 |
| 2022-10-01 | $321,915 (26.0%) | $328,522 (17.1%) | 0.76 | 470 |
| 2022-11-01 | $319,900 (21.6%) | $319,328 (10.1%) | 0.77 | 520 |
| 2022-12-01 | $315,000 (17.7%) | $318,784 (11.4%) | 0.78 | 533 |
| 2023-01-01 | $310,293 (11.6%) | $328,148 (13.3%) | 0.77 | 506 |
| 2023-02-01 | $307,500 (6.5%) | $328,117 (7.4%) | 0.74 | 499 |
| 2023-03-01 | $302,828 (1.2%) | $325,765 (4.3%) | 0.71 | 495 |
| 2023-04-01 | $298,961 (3.8%) | $322,568 (4.7%) | 0.70 | 529 |
| 2023-05-01 | $301,300 (2.1%) | $332,156 (6.0%) | 0.68 | 533 |
| 2023-06-01 | $312,175 (2.1%) | $327,983 (3.6%) | 0.70 | 519 |
| 2023-07-01 | $310,000 (-4.0%) | $326,097 (-3.5%) | 0.70 | 492 |
| 2023-08-01 | $306,225 (-5.6%) | $324,628 (-2.7%) | 0.70 | 488 |
| 2023-09-01 | $307,900 (-4.2%) | $324,672 (-0.6%) | 0.72 | 511 |
| 2023-10-01 | $299,048 (-7.1%) | $317,782 (-3.3%) | 0.70 | 583 |
| 2023-11-01 | $299,023 (-6.5%) | $320,007 (0.2%) | 0.71 | 635 |
| 2023-12-01 | $296,690 (-5.8%) | $315,189 (-1.1%) | 0.72 | 650 |
| 2024-01-01 | $295,970 (-4.6%) | $313,577 (-4.4%) | 0.72 | 603 |
| 2024-02-01 | $294,270 (-4.3%) | $311,311 (-5.1%) | 0.71 | 593 |
| 2024-03-01 | $294,453 (-2.8%) | $313,737 (-3.7%) | 0.69 | 588 |
Warner Robins's median listing price comes in at 69% of the national average.
Warner Robins's average listing price for 2024-03-01 was $313,737, a difference of $-12,028 (-3.7%) versus the prior year and $2,426 versus the prior month.
For the 2024-03-01 period, Warner Robins had 588 MLS listings, a difference of -5 listings (-1%) versus the prior month and 93 listings (19%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Warner Robins (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 80 days | 2,268 sqft |
| 2018-02-01 | 66 days | 2,298 sqft |
| 2018-03-01 | 54 days | 2,316 sqft |
| 2018-04-01 | 60 days | 2,343 sqft |
| 2018-05-01 | 66 days | 2,364 sqft |
| 2018-06-01 | 68 days | 2,352 sqft |
| 2018-07-01 | 63 days | 2,327 sqft |
| 2018-08-01 | 60 days | 2,318 sqft |
| 2018-09-01 | 72 days | 2,321 sqft |
| 2018-10-01 | 82 days | 2,322 sqft |
| 2018-11-01 | 83 days | 2,346 sqft |
| 2018-12-01 | 92 days | 2,331 sqft |
| 2019-01-01 | 97 days | 2,307 sqft |
| 2019-02-01 | 83 days | 2,295 sqft |
| 2019-03-01 | 71 days | 2,305 sqft |
| 2019-04-01 | 58 days | 2,327 sqft |
| 2019-05-01 | 60 days | 2,307 sqft |
| 2019-06-01 | 58 days | 2,326 sqft |
| 2019-07-01 | 59 days | 2,294 sqft |
| 2019-08-01 | 60 days | 2,311 sqft |
| 2019-09-01 | 62 days | 2,317 sqft |
| 2019-10-01 | 65 days | 2,299 sqft |
| 2019-11-01 | 69 days | 2,246 sqft |
| 2019-12-01 | 74 days | 2,277 sqft |
| 2020-01-01 | 75 days | 2,262 sqft |
| 2020-02-01 | 68 days | 2,278 sqft |
| 2020-03-01 | 60 days | 2,221 sqft |
| 2020-04-01 | 62 days | 2,192 sqft |
| 2020-05-01 | 66 days | 2,270 sqft |
| 2020-06-01 | 58 days | 2,348 sqft |
| 2020-07-01 | 49 days | 2,372 sqft |
| 2020-08-01 | 39 days | 2,305 sqft |
| 2020-09-01 | 51 days | 2,339 sqft |
| 2020-10-01 | 50 days | 2,283 sqft |
| 2020-11-01 | 42 days | 2,263 sqft |
| 2020-12-01 | 46 days | 2,246 sqft |
| 2021-01-01 | 54 days | 2,330 sqft |
| 2021-02-01 | 46 days | 2,360 sqft |
| 2021-03-01 | 28 days | 2,415 sqft |
| 2021-04-01 | 31 days | 2,477 sqft |
| 2021-05-01 | 29 days | 2,486 sqft |
| 2021-06-01 | 26 days | 2,515 sqft |
| 2021-07-01 | 30 days | 2,471 sqft |
| 2021-08-01 | 49 days | 2,358 sqft |
| 2021-09-01 | 41 days | 2,306 sqft |
| 2021-10-01 | 34 days | 2,142 sqft |
| 2021-11-01 | 47 days | 2,234 sqft |
| 2021-12-01 | 60 days | 2,246 sqft |
| 2022-01-01 | 55 days | 2,178 sqft |
| 2022-02-01 | 43 days | 2,143 sqft |
| 2022-03-01 | 46 days | 2,202 sqft |
| 2022-04-01 | 36 days | 2,161 sqft |
| 2022-05-01 | 23 days | 1,985 sqft |
| 2022-06-01 | 32 days | 2,087 sqft |
| 2022-07-01 | 43 days | 2,250 sqft |
| 2022-08-01 | 48 days | 2,267 sqft |
| 2022-09-01 | 53 days | 2,184 sqft |
| 2022-10-01 | 54 days | 2,246 sqft |
| 2022-11-01 | 54 days | 2,193 sqft |
| 2022-12-01 | 59 days | 2,199 sqft |
| 2023-01-01 | 64 days | 2,183 sqft |
| 2023-02-01 | 51 days | 2,177 sqft |
| 2023-03-01 | 47 days | 2,119 sqft |
| 2023-04-01 | 44 days | 1,980 sqft |
| 2023-05-01 | 51 days | 2,205 sqft |
| 2023-06-01 | 49 days | 2,301 sqft |
| 2023-07-01 | 56 days | 2,186 sqft |
| 2023-08-01 | 45 days | 2,153 sqft |
| 2023-09-01 | 46 days | 2,159 sqft |
| 2023-10-01 | 42 days | 2,043 sqft |
| 2023-11-01 | 47 days | 2,021 sqft |
| 2023-12-01 | 57 days | 2,009 sqft |
| 2024-01-01 | 62 days | 1,972 sqft |
| 2024-02-01 | 47 days | 1,951 sqft |
| 2024-03-01 | 45 days | 1,947 sqft |
Warner Robins's median square footage for active listings during the 2024-03-01 period was 1,947 sqft. One year prior, the average listing was 2,119 sqft.