Athens VA Loan Rates, Closing Costs & Stats
ATHENS-CLARKE COUNTY, GA
A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.
The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.
For additional benefits of VA loans, click here.
Athens's 48 lenders originated 140 VA loans during 2023. The total origination value was $46,980,000, with an average VA loan value of $335,571.
Athens VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Athens
averaged
5.96%
for the week of 2024-10-11, compared to the national average (all VA variants) of
5.854% for the same period.
Athens's average VA mortgage closing costs are $5,981.
The average rate for the prior week (2024-10-04) was
5.73% and
one month ago for the week of 2024-09-06, the
average rate was 5.82%.
The average rate one year ago was 7.39%.
For refis of the same type during the week of 2024-10-11, the average rate
was 6.64%.
Athens VA Loan Lenders by Rates & Fees
The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Athens level.
The top Athens VA lender as defined by loan originations is Mortgage Research Center, LLC, with
22 VA loans originated. Their average total fees are
$7,681, which is $5,237
lower than the next largest lender,
QUICKEN LOANS, LLC.
The lowest fee Athens VA lenders (with over 10 loans originated) are
Mortgage Research Center, LLC ($7,681), QUICKEN LOANS, LLC ($12,919), .
The lowest rate Athens VA lenders (with over 10 loans originated) are
QUICKEN LOANS, LLC (6.09%), Mortgage Research Center, LLC (6.50%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Athens (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 | $269,900 (12.6%) | $318,703 (11.9%) | 1.00 | 583 |
2018-02-01 | $282,450 (11.6%) | $324,792 (10.9%) | 1.03 | 645 |
2018-03-01 | $285,000 (9.7%) | $330,698 (12.6%) | 1.00 | 691 |
2018-04-01 | $293,500 (12.9%) | $349,023 (15.4%) | 1.00 | 711 |
2018-05-01 | $294,600 (7.6%) | $350,977 (14.2%) | 0.98 | 723 |
2018-06-01 | $294,000 (6.3%) | $353,520 (15.5%) | 0.98 | 735 |
2018-07-01 | $284,900 (2.3%) | $348,509 (11.7%) | 0.95 | 742 |
2018-08-01 | $275,875 (0.3%) | $341,649 (8.9%) | 0.92 | 744 |
2018-09-01 | $275,000 (2.2%) | $337,563 (9.6%) | 0.92 | 775 |
2018-10-01 | $269,425 (-0.1%) | $324,755 (4.2%) | 0.91 | 771 |
2018-11-01 | $264,700 (-1.9%) | $321,391 (3.3%) | 0.90 | 749 |
2018-12-01 | $269,450 (-0.2%) | $325,624 (2.9%) | 0.93 | 696 |
2019-01-01 | $278,374 (3.1%) | $331,882 (4.1%) | 0.96 | 638 |
2019-02-01 | $289,450 (2.5%) | $346,882 (6.8%) | 0.98 | 690 |
2019-03-01 | $294,529 (3.3%) | $354,208 (7.1%) | 0.96 | 681 |
2019-04-01 | $306,200 (4.3%) | $370,866 (6.3%) | 0.97 | 661 |
2019-05-01 | $315,075 (7.0%) | $376,603 (7.3%) | 0.98 | 651 |
2019-06-01 | $309,000 (5.1%) | $373,525 (5.7%) | 0.97 | 665 |
2019-07-01 | $298,500 (4.8%) | $368,382 (5.7%) | 0.93 | 668 |
2019-08-01 | $295,909 (7.3%) | $363,965 (6.5%) | 0.94 | 648 |
2019-09-01 | $292,023 (6.2%) | $360,844 (6.9%) | 0.93 | 635 |
2019-10-01 | $291,182 (8.1%) | $361,525 (11.3%) | 0.94 | 618 |
2019-11-01 | $298,154 (12.6%) | $377,867 (17.6%) | 0.98 | 576 |
2019-12-01 | $288,875 (7.2%) | $375,713 (15.4%) | 0.96 | 558 |
2020-01-01 | $287,000 (3.1%) | $381,826 (15.1%) | 0.96 | 506 |
2020-02-01 | $309,950 (7.1%) | $397,176 (14.5%) | 1.01 | 509 |
2020-03-01 | $314,871 (6.9%) | $406,368 (14.7%) | 0.99 | 537 |
2020-04-01 | $320,115 (4.5%) | $402,254 (8.5%) | 1.00 | 556 |
2020-05-01 | $324,500 (3.0%) | $407,465 (8.2%) | 0.99 | 537 |
2020-06-01 | $327,900 (6.1%) | $416,180 (11.4%) | 0.97 | 499 |
2020-07-01 | $314,675 (5.4%) | $404,156 (9.7%) | 0.91 | 506 |
2020-08-01 | $299,950 (1.4%) | $400,447 (10.0%) | 0.86 | 499 |
2020-09-01 | $312,750 (7.1%) | $399,032 (10.6%) | 0.90 | 443 |
2020-10-01 | $315,490 (8.4%) | $408,710 (13.1%) | 0.90 | 397 |
2020-11-01 | $320,763 (7.6%) | $412,131 (9.1%) | 0.94 | 363 |
2020-12-01 | $322,663 (11.7%) | $428,632 (14.1%) | 0.96 | 326 |
2021-01-01 | $325,000 (13.2%) | $432,831 (13.4%) | 0.97 | 283 |
2021-02-01 | $344,829 (11.3%) | $451,189 (13.6%) | 1.00 | 250 |
2021-03-01 | $366,750 (16.5%) | $449,826 (10.7%) | 1.04 | 232 |
2021-04-01 | $371,700 (16.1%) | $453,729 (12.8%) | 1.01 | 243 |
2021-05-01 | $369,450 (13.9%) | $469,137 (15.1%) | 0.98 | 245 |
2021-06-01 | $359,975 (9.8%) | $474,711 (14.1%) | 0.95 | 296 |
2021-07-01 | $368,750 (17.2%) | $474,014 (17.3%) | 0.97 | 347 |
2021-08-01 | $349,900 (16.7%) | $448,667 (12.0%) | 0.93 | 339 |
2021-09-01 | $349,900 (11.9%) | $447,954 (12.3%) | 0.93 | 329 |
2021-10-01 | $339,850 (7.7%) | $449,279 (9.9%) | 0.91 | 309 |
2021-11-01 | $348,500 (8.7%) | $480,346 (16.6%) | 0.93 | 258 |
2021-12-01 | $349,725 (8.4%) | $494,320 (15.3%) | 0.95 | 208 |
2022-01-01 | $365,000 (12.3%) | $518,308 (19.8%) | 0.99 | 178 |
2022-02-01 | $374,950 (8.7%) | $499,023 (10.6%) | 0.98 | 184 |
2022-03-01 | $394,250 (7.5%) | $513,171 (14.1%) | 0.99 | 186 |
2022-04-01 | $382,450 (2.9%) | $511,244 (12.7%) | 0.91 | 214 |
2022-05-01 | $359,925 (-2.6%) | $508,516 (8.4%) | 0.82 | 252 |
2022-06-01 | $361,200 (0.3%) | $512,704 (8.0%) | 0.80 | 305 |
2022-07-01 | $383,900 (4.1%) | $501,358 (5.8%) | 0.86 | 404 |
2022-08-01 | $380,925 (8.9%) | $506,538 (12.9%) | 0.88 | 440 |
2022-09-01 | $385,800 (10.3%) | $507,161 (13.2%) | 0.90 | 448 |
2022-10-01 | $392,500 (15.5%) | $525,320 (16.9%) | 0.92 | 430 |
2022-11-01 | $393,175 (12.8%) | $533,482 (11.1%) | 0.95 | 414 |
2022-12-01 | $399,999 (14.4%) | $537,623 (8.8%) | 0.99 | 408 |
2023-01-01 | $412,000 (12.9%) | $550,548 (6.2%) | 1.02 | 360 |
2023-02-01 | $399,925 (6.7%) | $541,381 (8.5%) | 0.97 | 360 |
2023-03-01 | $398,350 (1.0%) | $546,712 (6.5%) | 0.94 | 356 |
2023-04-01 | $399,900 (4.6%) | $535,248 (4.7%) | 0.93 | 349 |
2023-05-01 | $407,175 (13.1%) | $542,752 (6.7%) | 0.92 | 367 |
2023-06-01 | $422,946 (17.1%) | $556,288 (8.5%) | 0.95 | 435 |
2023-07-01 | $423,283 (10.3%) | $573,924 (14.5%) | 0.96 | 409 |
2023-08-01 | $435,440 (14.3%) | $587,658 (16.0%) | 1.00 | 411 |
2023-09-01 | $449,900 (16.6%) | $585,012 (15.4%) | 1.05 | 439 |
2023-10-01 | $461,000 (17.5%) | $573,288 (9.1%) | 1.08 | 440 |
2023-11-01 | $431,667 (9.8%) | $562,076 (5.4%) | 1.03 | 454 |
2023-12-01 | $467,000 (16.8%) | $571,371 (6.3%) | 1.14 | 435 |
2024-01-01 | $441,750 (7.2%) | $543,134 (-1.4%) | 1.08 | 428 |
2024-02-01 | $448,750 (12.2%) | $548,985 (1.4%) | 1.08 | 419 |
2024-03-01 | $475,000 (19.2%) | $568,295 (4.0%) | 1.12 | 466 |
2024-04-01 | $480,000 (20.0%) | $597,845 (11.7%) | 1.12 | 482 |
2024-05-01 | $498,000 (22.3%) | $625,089 (15.2%) | 1.13 | 486 |
2024-06-01 | $475,000 (12.3%) | $623,081 (12.0%) | 1.07 | 518 |
2024-07-01 | $459,000 (8.4%) | $602,922 (5.1%) | 1.05 | 593 |
2024-08-01 | $427,000 (-1.9%) | $585,910 (-0.3%) | 0.99 | 609 |
2024-09-01 | $429,975 (-4.4%) | $590,868 (1.0%) | 1.01 | 621 |
Athens's median listing price comes in at 101% of the national average.
Athens's average listing price for 2024-09-01 was $590,868, a difference of $5,856 (1.0%) versus the prior year and $4,958 versus the prior month.
For the 2024-09-01 period, Athens had 621 MLS listings, a difference of 12 listings (2%) versus the prior month and 182 listings (41%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Athens (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 90 days | 2,386 sqft |
2018-02-01 | 59 days | 2,463 sqft |
2018-03-01 | 40 days | 2,444 sqft |
2018-04-01 | 52 days | 2,449 sqft |
2018-05-01 | 54 days | 2,408 sqft |
2018-06-01 | 53 days | 2,400 sqft |
2018-07-01 | 59 days | 2,371 sqft |
2018-08-01 | 63 days | 2,314 sqft |
2018-09-01 | 64 days | 2,290 sqft |
2018-10-01 | 74 days | 2,254 sqft |
2018-11-01 | 80 days | 2,235 sqft |
2018-12-01 | 88 days | 2,274 sqft |
2019-01-01 | 92 days | 2,307 sqft |
2019-02-01 | 69 days | 2,384 sqft |
2019-03-01 | 59 days | 2,462 sqft |
2019-04-01 | 61 days | 2,571 sqft |
2019-05-01 | 58 days | 2,560 sqft |
2019-06-01 | 59 days | 2,564 sqft |
2019-07-01 | 63 days | 2,539 sqft |
2019-08-01 | 66 days | 2,500 sqft |
2019-09-01 | 70 days | 2,477 sqft |
2019-10-01 | 72 days | 2,459 sqft |
2019-11-01 | 75 days | 2,413 sqft |
2019-12-01 | 90 days | 2,407 sqft |
2020-01-01 | 84 days | 2,412 sqft |
2020-02-01 | 54 days | 2,473 sqft |
2020-03-01 | 54 days | 2,458 sqft |
2020-04-01 | 60 days | 2,390 sqft |
2020-05-01 | 66 days | 2,402 sqft |
2020-06-01 | 63 days | 2,395 sqft |
2020-07-01 | 51 days | 2,373 sqft |
2020-08-01 | 50 days | 2,324 sqft |
2020-09-01 | 56 days | 2,287 sqft |
2020-10-01 | 61 days | 2,220 sqft |
2020-11-01 | 62 days | 2,228 sqft |
2020-12-01 | 68 days | 2,220 sqft |
2021-01-01 | 64 days | 2,200 sqft |
2021-02-01 | 59 days | 2,218 sqft |
2021-03-01 | 43 days | 2,245 sqft |
2021-04-01 | 32 days | 2,245 sqft |
2021-05-01 | 36 days | 2,114 sqft |
2021-06-01 | 35 days | 2,111 sqft |
2021-07-01 | 37 days | 2,064 sqft |
2021-08-01 | 41 days | 1,966 sqft |
2021-09-01 | 46 days | 2,023 sqft |
2021-10-01 | 53 days | 1,958 sqft |
2021-11-01 | 56 days | 2,086 sqft |
2021-12-01 | 59 days | 1,966 sqft |
2022-01-01 | 43 days | 2,150 sqft |
2022-02-01 | 35 days | 2,104 sqft |
2022-03-01 | 32 days | 2,122 sqft |
2022-04-01 | 28 days | 2,100 sqft |
2022-05-01 | 29 days | 2,121 sqft |
2022-06-01 | 30 days | 2,136 sqft |
2022-07-01 | 32 days | 2,200 sqft |
2022-08-01 | 45 days | 2,099 sqft |
2022-09-01 | 52 days | 2,177 sqft |
2022-10-01 | 55 days | 2,221 sqft |
2022-11-01 | 65 days | 2,205 sqft |
2022-12-01 | 78 days | 2,218 sqft |
2023-01-01 | 77 days | 2,250 sqft |
2023-02-01 | 70 days | 2,250 sqft |
2023-03-01 | 53 days | 2,245 sqft |
2023-04-01 | 40 days | 2,240 sqft |
2023-05-01 | 41 days | 2,239 sqft |
2023-06-01 | 37 days | 2,305 sqft |
2023-07-01 | 50 days | 2,314 sqft |
2023-08-01 | 53 days | 2,336 sqft |
2023-09-01 | 57 days | 2,343 sqft |
2023-10-01 | 61 days | 2,360 sqft |
2023-11-01 | 59 days | 2,270 sqft |
2023-12-01 | 59 days | 2,300 sqft |
2024-01-01 | 60 days | 2,253 sqft |
2024-02-01 | 57 days | 2,272 sqft |
2024-03-01 | 52 days | 2,369 sqft |
2024-04-01 | 52 days | 2,330 sqft |
2024-05-01 | 45 days | 2,251 sqft |
2024-06-01 | 50 days | 2,250 sqft |
2024-07-01 | 49 days | 2,226 sqft |
2024-08-01 | 58 days | 2,208 sqft |
2024-09-01 | 60 days | 2,222 sqft |
Athens's median square footage for active listings during the 2024-09-01 period was 2,222 sqft. One year prior, the average listing was 2,343 sqft.