Fayetteville VA Loan Rates, Closing Costs & Stats
FAYETTEVILLE, NC
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.
Fayetteville's 193 lenders originated 6,807 VA loans during 2024. The total origination value was $2,034,575,000, with an average VA loan value of $298,895.
Fayetteville VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Fayetteville
averaged
6.83%
for the week of 2025-05-23, compared to the national average (all VA variants) of
6.52% for the same period.
Fayetteville's average VA mortgage closing costs are $6,169.
The average rate for the prior week (2025-05-16) was
6.72% and
one month ago for the week of 2025-04-18, the
average rate was 6.49%.
The average rate one year ago was 6.61%.
For refis of the same type during the week of 2025-05-23, the average rate
was 6.06%.
Fayetteville 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 Fayetteville level.
The top Fayetteville VA lender as defined by loan originations is Mortgage Research Center, LLC, with
1,080 VA loans originated. Their average total fees are
$7,048, which is $1,057
lower than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Fayetteville VA lenders (with over 10 loans originated) are
EQUITY RESOURCES, INC. ($3,725), PLANET HOME LENDING, LLC ($4,110), MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,442), AmeriHome Mortgage Company, LLC ($5,109) and Integrity Home Mortgage Corp ($5,161).
The lowest rate Fayetteville VA lenders (with over 10 loans originated) are
DHI MORTGAGE COMPANY, LTD. (4.96%), FBC MORTGAGE, LLC (5.27%), Towne Bank (5.64%), PENNYMAC LOAN SERVICES, LLC (5.65%) and CLEARPATH LENDING (5.65%).
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Fayetteville (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 | $155,000 (7.7%) | $180,242 (3.8%) | 0.57 | 2,233 |
| 2018-02-01 | $156,500 (4.9%) | $181,056 (1.8%) | 0.57 | 2,189 |
| 2018-03-01 | $159,900 (6.6%) | $181,991 (2.3%) | 0.56 | 2,197 |
| 2018-04-01 | $160,000 (6.7%) | $184,191 (3.3%) | 0.54 | 2,154 |
| 2018-05-01 | $162,250 (7.5%) | $185,750 (4.2%) | 0.54 | 2,146 |
| 2018-06-01 | $161,500 (4.2%) | $187,680 (4.1%) | 0.54 | 2,143 |
| 2018-07-01 | $161,725 (2.0%) | $187,501 (3.2%) | 0.54 | 2,145 |
| 2018-08-01 | $163,098 (3.1%) | $188,558 (3.5%) | 0.55 | 2,077 |
| 2018-09-01 | $161,990 (4.5%) | $189,021 (4.2%) | 0.54 | 2,077 |
| 2018-10-01 | $161,000 (3.0%) | $188,850 (4.2%) | 0.55 | 1,984 |
| 2018-11-01 | $159,990 (3.2%) | $190,049 (5.4%) | 0.54 | 1,957 |
| 2018-12-01 | $159,900 (3.2%) | $188,404 (4.8%) | 0.55 | 1,902 |
| 2019-01-01 | $162,368 (4.8%) | $191,274 (6.1%) | 0.56 | 1,757 |
| 2019-02-01 | $169,500 (8.3%) | $197,370 (9.0%) | 0.57 | 1,674 |
| 2019-03-01 | $180,343 (12.8%) | $204,572 (12.4%) | 0.59 | 1,559 |
| 2019-04-01 | $183,743 (14.8%) | $208,766 (13.3%) | 0.58 | 1,495 |
| 2019-05-01 | $176,473 (8.8%) | $206,205 (11.0%) | 0.55 | 1,477 |
| 2019-06-01 | $180,900 (12.0%) | $209,003 (11.4%) | 0.57 | 1,510 |
| 2019-07-01 | $179,950 (11.3%) | $207,784 (10.8%) | 0.56 | 1,537 |
| 2019-08-01 | $180,609 (10.7%) | $206,195 (9.4%) | 0.57 | 1,522 |
| 2019-09-01 | $181,673 (12.2%) | $206,018 (9.0%) | 0.58 | 1,503 |
| 2019-10-01 | $182,382 (13.3%) | $205,776 (9.0%) | 0.59 | 1,487 |
| 2019-11-01 | $185,000 (15.6%) | $206,981 (8.9%) | 0.61 | 1,443 |
| 2019-12-01 | $182,475 (14.1%) | $204,997 (8.8%) | 0.61 | 1,371 |
| 2020-01-01 | $188,475 (16.1%) | $208,653 (9.1%) | 0.63 | 1,242 |
| 2020-02-01 | $189,000 (11.5%) | $209,623 (6.2%) | 0.62 | 1,143 |
| 2020-03-01 | $190,613 (5.7%) | $212,941 (4.1%) | 0.60 | 984 |
| 2020-04-01 | $190,413 (3.6%) | $217,049 (4.0%) | 0.60 | 922 |
| 2020-05-01 | $199,600 (13.1%) | $223,521 (8.4%) | 0.61 | 758 |
| 2020-06-01 | $210,450 (16.3%) | $232,839 (11.4%) | 0.62 | 620 |
| 2020-07-01 | $216,838 (20.5%) | $237,852 (14.5%) | 0.63 | 584 |
| 2020-08-01 | $220,000 (21.8%) | $240,953 (16.9%) | 0.63 | 527 |
| 2020-09-01 | $215,000 (18.3%) | $241,483 (17.2%) | 0.62 | 519 |
| 2020-10-01 | $205,000 (12.4%) | $240,597 (16.9%) | 0.59 | 496 |
| 2020-11-01 | $210,598 (13.8%) | $238,599 (15.3%) | 0.62 | 457 |
| 2020-12-01 | $212,500 (16.5%) | $248,439 (21.2%) | 0.63 | 435 |
| 2021-01-01 | $212,900 (13.0%) | $243,487 (16.7%) | 0.64 | 400 |
| 2021-02-01 | $219,500 (16.1%) | $250,746 (19.6%) | 0.64 | 333 |
| 2021-03-01 | $198,450 (4.1%) | $237,057 (11.3%) | 0.56 | 297 |
| 2021-04-01 | $193,350 (1.5%) | $234,624 (8.1%) | 0.52 | 303 |
| 2021-05-01 | $199,900 (0.2%) | $235,053 (5.2%) | 0.53 | 314 |
| 2021-06-01 | $199,925 (-5.0%) | $239,816 (3.0%) | 0.53 | 371 |
| 2021-07-01 | $199,500 (-8.0%) | $241,751 (1.6%) | 0.53 | 434 |
| 2021-08-01 | $204,985 (-6.8%) | $240,998 (0.0%) | 0.55 | 502 |
| 2021-09-01 | $202,125 (-6.0%) | $240,702 (-0.3%) | 0.54 | 497 |
| 2021-10-01 | $198,750 (-3.1%) | $242,821 (0.9%) | 0.53 | 517 |
| 2021-11-01 | $202,083 (-4.0%) | $251,302 (5.3%) | 0.54 | 469 |
| 2021-12-01 | $217,450 (2.3%) | $259,835 (4.6%) | 0.59 | 414 |
| 2022-01-01 | $225,000 (5.7%) | $270,007 (10.9%) | 0.61 | 363 |
| 2022-02-01 | $227,950 (3.9%) | $269,788 (7.6%) | 0.59 | 313 |
| 2022-03-01 | $220,000 (10.9%) | $264,755 (11.7%) | 0.55 | 312 |
| 2022-04-01 | $240,000 (24.1%) | $277,911 (18.5%) | 0.57 | 343 |
| 2022-05-01 | $258,961 (29.6%) | $287,546 (22.3%) | 0.59 | 408 |
| 2022-06-01 | $271,825 (36.0%) | $290,360 (21.1%) | 0.61 | 530 |
| 2022-07-01 | $279,570 (40.1%) | $298,697 (23.6%) | 0.63 | 582 |
| 2022-08-01 | $296,725 (44.8%) | $307,710 (27.7%) | 0.69 | 624 |
| 2022-09-01 | $299,450 (48.2%) | $311,930 (29.6%) | 0.70 | 602 |
| 2022-10-01 | $311,620 (56.8%) | $315,616 (30.0%) | 0.73 | 610 |
| 2022-11-01 | $322,488 (59.6%) | $320,796 (27.7%) | 0.78 | 657 |
| 2022-12-01 | $315,000 (44.9%) | $320,513 (23.4%) | 0.78 | 659 |
| 2023-01-01 | $329,900 (46.6%) | $330,424 (22.4%) | 0.82 | 607 |
| 2023-02-01 | $329,955 (44.8%) | $333,478 (23.6%) | 0.80 | 570 |
| 2023-03-01 | $330,925 (50.4%) | $335,132 (26.6%) | 0.78 | 538 |
| 2023-04-01 | $323,950 (35.0%) | $328,409 (18.2%) | 0.75 | 523 |
| 2023-05-01 | $321,500 (24.2%) | $328,940 (14.4%) | 0.73 | 508 |
| 2023-06-01 | $326,425 (20.1%) | $332,612 (14.6%) | 0.73 | 510 |
| 2023-07-01 | $317,000 (13.4%) | $324,577 (8.7%) | 0.72 | 545 |
| 2023-08-01 | $317,965 (7.2%) | $325,644 (5.8%) | 0.73 | 622 |
| 2023-09-01 | $315,990 (5.5%) | $324,470 (4.0%) | 0.74 | 760 |
| 2023-10-01 | $316,475 (1.6%) | $324,877 (2.9%) | 0.74 | 847 |
| 2023-11-01 | $315,000 (-2.3%) | $327,609 (2.1%) | 0.75 | 895 |
| 2023-12-01 | $309,706 (-1.7%) | $319,893 (-0.2%) | 0.76 | 960 |
| 2024-01-01 | $312,350 (-5.3%) | $317,706 (-3.9%) | 0.76 | 871 |
| 2024-02-01 | $309,827 (-6.1%) | $316,341 (-5.1%) | 0.75 | 864 |
| 2024-03-01 | $309,950 (-6.3%) | $318,484 (-5.0%) | 0.73 | 850 |
| 2024-04-01 | $313,325 (-3.3%) | $319,384 (-2.8%) | 0.73 | 868 |
| 2024-05-01 | $321,853 (0.1%) | $329,109 (0.1%) | 0.73 | 929 |
| 2024-06-01 | $315,950 (-3.2%) | $321,896 (-3.2%) | 0.72 | 1,051 |
| 2024-07-01 | $310,920 (-1.9%) | $316,873 (-2.4%) | 0.71 | 1,158 |
| 2024-08-01 | $314,950 (-1.0%) | $317,186 (-2.6%) | 0.73 | 1,195 |
| 2024-09-01 | $314,975 (-0.3%) | $320,912 (-1.1%) | 0.74 | 1,263 |
| 2024-10-01 | $315,988 (-0.2%) | $318,332 (-2.0%) | 0.74 | 1,300 |
| 2024-11-01 | $316,450 (0.5%) | $318,934 (-2.7%) | 0.76 | 1,379 |
| 2024-12-01 | $319,828 (3.3%) | $319,931 (0.0%) | 0.79 | 1,391 |
| 2025-01-01 | $319,962 (2.4%) | $317,444 (-0.1%) | 0.80 | 1,355 |
| 2025-02-01 | $319,975 (3.3%) | $316,064 (-0.1%) | 0.78 | 1,317 |
| 2025-03-01 | $320,000 (3.2%) | $316,864 (-0.5%) | 0.75 | 1,318 |
| 2025-04-01 | $318,163 (1.5%) | $317,507 (-0.6%) | 0.74 | 1,328 |
Fayetteville's median listing price comes in at 74% of the national average.
Fayetteville's average listing price for 2025-04-01 was $317,507, a difference of $-1,877 (-0.6%) versus the prior year and $643 versus the prior month.
For the 2025-04-01 period, Fayetteville had 1,328 MLS listings, a difference of 10 listings (1%) versus the prior month and 460 listings (53%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Fayetteville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis| Date | Median Listing Time on Market | Median Square Footage |
|---|---|---|
| 2018-01-01 | 94 days | 1,750 sqft |
| 2018-02-01 | 92 days | 1,750 sqft |
| 2018-03-01 | 77 days | 1,750 sqft |
| 2018-04-01 | 71 days | 1,850 sqft |
| 2018-05-01 | 67 days | 1,850 sqft |
| 2018-06-01 | 67 days | 1,850 sqft |
| 2018-07-01 | 68 days | 1,850 sqft |
| 2018-08-01 | 71 days | 1,850 sqft |
| 2018-09-01 | 75 days | 1,850 sqft |
| 2018-10-01 | 81 days | 1,850 sqft |
| 2018-11-01 | 86 days | 1,850 sqft |
| 2018-12-01 | 86 days | 1,850 sqft |
| 2019-01-01 | 86 days | 1,850 sqft |
| 2019-02-01 | 83 days | 1,853 sqft |
| 2019-03-01 | 72 days | 1,908 sqft |
| 2019-04-01 | 61 days | 1,945 sqft |
| 2019-05-01 | 58 days | 1,880 sqft |
| 2019-06-01 | 58 days | 1,950 sqft |
| 2019-07-01 | 57 days | 1,950 sqft |
| 2019-08-01 | 59 days | 1,950 sqft |
| 2019-09-01 | 62 days | 1,950 sqft |
| 2019-10-01 | 65 days | 1,950 sqft |
| 2019-11-01 | 65 days | 1,950 sqft |
| 2019-12-01 | 72 days | 1,895 sqft |
| 2020-01-01 | 79 days | 1,950 sqft |
| 2020-02-01 | 71 days | 1,950 sqft |
| 2020-03-01 | 59 days | 1,950 sqft |
| 2020-04-01 | 58 days | 1,950 sqft |
| 2020-05-01 | 60 days | 2,018 sqft |
| 2020-06-01 | 55 days | 2,056 sqft |
| 2020-07-01 | 51 days | 2,100 sqft |
| 2020-08-01 | 48 days | 2,100 sqft |
| 2020-09-01 | 47 days | 2,052 sqft |
| 2020-10-01 | 45 days | 1,950 sqft |
| 2020-11-01 | 51 days | 1,950 sqft |
| 2020-12-01 | 49 days | 1,975 sqft |
| 2021-01-01 | 49 days | 1,950 sqft |
| 2021-02-01 | 44 days | 1,969 sqft |
| 2021-03-01 | 35 days | 1,850 sqft |
| 2021-04-01 | 32 days | 1,848 sqft |
| 2021-05-01 | 32 days | 1,901 sqft |
| 2021-06-01 | 32 days | 1,850 sqft |
| 2021-07-01 | 35 days | 1,850 sqft |
| 2021-08-01 | 32 days | 1,850 sqft |
| 2021-09-01 | 38 days | 1,828 sqft |
| 2021-10-01 | 39 days | 1,816 sqft |
| 2021-11-01 | 43 days | 1,837 sqft |
| 2021-12-01 | 47 days | 1,850 sqft |
| 2022-01-01 | 50 days | 1,850 sqft |
| 2022-02-01 | 35 days | 1,850 sqft |
| 2022-03-01 | 35 days | 1,800 sqft |
| 2022-04-01 | 32 days | 1,850 sqft |
| 2022-05-01 | 31 days | 1,950 sqft |
| 2022-06-01 | 29 days | 1,962 sqft |
| 2022-07-01 | 35 days | 2,100 sqft |
| 2022-08-01 | 37 days | 2,100 sqft |
| 2022-09-01 | 43 days | 2,100 sqft |
| 2022-10-01 | 49 days | 2,224 sqft |
| 2022-11-01 | 47 days | 2,226 sqft |
| 2022-12-01 | 53 days | 2,300 sqft |
| 2023-01-01 | 64 days | 2,300 sqft |
| 2023-02-01 | 58 days | 2,278 sqft |
| 2023-03-01 | 43 days | 2,192 sqft |
| 2023-04-01 | 43 days | 2,111 sqft |
| 2023-05-01 | 42 days | 2,088 sqft |
| 2023-06-01 | 41 days | 2,114 sqft |
| 2023-07-01 | 40 days | 2,047 sqft |
| 2023-08-01 | 37 days | 2,008 sqft |
| 2023-09-01 | 39 days | 1,998 sqft |
| 2023-10-01 | 42 days | 2,026 sqft |
| 2023-11-01 | 49 days | 2,000 sqft |
| 2023-12-01 | 51 days | 1,981 sqft |
| 2024-01-01 | 53 days | 1,971 sqft |
| 2024-02-01 | 48 days | 1,930 sqft |
| 2024-03-01 | 47 days | 1,955 sqft |
| 2024-04-01 | 41 days | 1,953 sqft |
| 2024-05-01 | 38 days | 2,000 sqft |
| 2024-06-01 | 43 days | 1,976 sqft |
| 2024-07-01 | 44 days | 1,965 sqft |
| 2024-08-01 | 51 days | 1,978 sqft |
| 2024-09-01 | 54 days | 1,966 sqft |
| 2024-10-01 | 54 days | 1,973 sqft |
| 2024-11-01 | 58 days | 1,968 sqft |
| 2024-12-01 | 62 days | 1,978 sqft |
| 2025-01-01 | 65 days | 1,982 sqft |
| 2025-02-01 | 66 days | 1,981 sqft |
| 2025-03-01 | 56 days | 1,981 sqft |
| 2025-04-01 | 51 days | 1,978 sqft |
Fayetteville's median square footage for active listings during the 2025-04-01 period was 1,978 sqft. One year prior, the average listing was 1,953 sqft.