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 6.49% for the week of 2024-04-12, compared to the national average (all USDA variants) of 6.705% for the same period.

Warner Robins's average USDA mortgage closing costs are $5,316.

The average rate for the prior week (2024-04-05) was 6.61% and one month ago for the week of 2024-03-08, the average rate was 6.57%.

The average rate one year ago was 6.38%.

For refis of the same type during the week of 2024-04-12, the average rate was 6.12%.

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

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 for 2024-03-01 was $294,453, a difference of $-8,375 (-2.8%) versus the prior year and $183 versus the prior month.

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 listing age (time on market) for 2024-03-01 was 45 days. This is -4% shorter than the same period one year ago.

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.