Waycross VA Loan Rates, Closing Costs & Stats
Waycross, 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.
Waycross's 37 lenders originated 102 VA loans during 2023. The total origination value was $22,980,000, with an average VA loan value of $225,294.
Waycross VA Loans, 30 Year Fixed Rates
30 Year VA mortgages in Waycross
averaged
6.37%
for the week of 2024-12-13, compared to the national average (all VA variants) of
6.077% for the same period.
Waycross's average VA mortgage closing costs are $4,515.
The average rate for the prior week (2024-12-06) was
6.41% and
one month ago for the week of 2024-11-08, the
average rate was 6.4%.
The average rate one year ago was 6.95%.
For refis of the same type during the week of 2024-12-13, the average rate
was 6.28%.
Waycross 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 Waycross level.
The top Waycross VA lender as defined by loan originations is Mortgage Research Center, LLC, with
26 VA loans originated. Their average total fees are
$3,706, which is $387
higher than the next largest lender,
UNITED WHOLESALE MORTGAGE, LLC.
The lowest fee Waycross VA lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC ($3,319), Mortgage Research Center, LLC ($3,706), .
The lowest rate Waycross VA lenders (with over 10 loans originated) are
UNITED WHOLESALE MORTGAGE, LLC (6.35%), Mortgage Research Center, LLC (6.72%), .
Market Conditions (Median, Average Prices & Listing Count)
Realtor.com - Waycross (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 | $125,950 (5.5%) | $159,004 (9.8%) | 0.00 | 212 |
2018-02-01 | $128,425 (9.2%) | $156,007 (5.0%) | 0.00 | 209 |
2018-03-01 | $129,900 (11.3%) | $152,582 (2.6%) | 0.00 | 208 |
2018-04-01 | $129,675 (3.8%) | $157,560 (3.4%) | 0.00 | 198 |
2018-05-01 | $129,450 (4.4%) | $156,351 (3.4%) | 0.00 | 198 |
2018-06-01 | $129,900 (4.0%) | $161,076 (4.3%) | 0.00 | 190 |
2018-07-01 | $129,950 (0.5%) | $165,119 (5.6%) | 0.00 | 190 |
2018-08-01 | $131,975 (-3.7%) | $167,443 (-0.4%) | 0.00 | 184 |
2018-09-01 | $134,950 (-1.3%) | $184,686 (10.1%) | 0.00 | 176 |
2018-10-01 | $144,950 (7.4%) | $198,962 (18.5%) | 0.00 | 159 |
2018-11-01 | $146,163 (8.3%) | $206,275 (24.2%) | 0.00 | 152 |
2018-12-01 | $135,000 (0.0%) | $200,155 (22.2%) | 0.00 | 157 |
2019-01-01 | $135,975 (8.0%) | $193,794 (21.9%) | 0.00 | 156 |
2019-02-01 | $145,000 (12.9%) | $194,203 (24.5%) | 0.00 | 158 |
2019-03-01 | $146,371 (12.7%) | $196,312 (28.7%) | 0.00 | 161 |
2019-04-01 | $153,346 (18.3%) | $203,339 (29.1%) | 0.00 | 161 |
2019-05-01 | $152,175 (17.6%) | $206,485 (32.1%) | 0.00 | 150 |
2019-06-01 | $149,900 (15.4%) | $204,668 (27.1%) | 0.00 | 147 |
2019-07-01 | $148,850 (14.5%) | $195,844 (18.6%) | 0.00 | 164 |
2019-08-01 | $150,418 (14.0%) | $191,559 (14.4%) | 0.00 | 189 |
2019-09-01 | $152,995 (13.4%) | $192,468 (4.2%) | 0.00 | 191 |
2019-10-01 | $154,714 (6.7%) | $193,074 (-3.0%) | 0.00 | 189 |
2019-11-01 | $149,900 (2.6%) | $189,072 (-8.3%) | 0.00 | 191 |
2019-12-01 | $149,450 (10.7%) | $189,089 (-5.5%) | 0.00 | 188 |
2020-01-01 | $150,450 (10.7%) | $189,979 (-2.0%) | 0.00 | 170 |
2020-02-01 | $164,900 (13.7%) | $198,710 (2.3%) | 0.00 | 162 |
2020-03-01 | $164,725 (12.5%) | $199,541 (1.6%) | 0.00 | 155 |
2020-04-01 | $167,975 (9.5%) | $204,687 (0.7%) | 0.00 | 156 |
2020-05-01 | $157,450 (3.5%) | $202,245 (-2.1%) | 0.00 | 146 |
2020-06-01 | $151,925 (1.4%) | $212,996 (4.1%) | 0.00 | 131 |
2020-07-01 | $149,900 (0.7%) | $213,371 (9.0%) | 0.00 | 126 |
2020-08-01 | $139,450 (-7.3%) | $214,593 (12.0%) | 0.00 | 119 |
2020-09-01 | $155,000 (1.3%) | $212,909 (10.6%) | 0.00 | 118 |
2020-10-01 | $159,450 (3.1%) | $213,466 (10.6%) | 0.00 | 109 |
2020-11-01 | $157,000 (4.7%) | $221,033 (16.9%) | 0.00 | 95 |
2020-12-01 | $169,900 (13.7%) | $236,613 (25.1%) | 0.00 | 81 |
2021-01-01 | $174,950 (16.3%) | $239,343 (26.0%) | 0.00 | 79 |
2021-02-01 | $169,900 (3.0%) | $238,004 (19.8%) | 0.00 | 70 |
2021-03-01 | $159,450 (-3.2%) | $238,386 (19.5%) | 0.00 | 76 |
2021-04-01 | $169,900 (1.2%) | $260,138 (27.1%) | 0.00 | 71 |
2021-05-01 | $169,900 (7.9%) | $259,130 (28.1%) | 0.00 | 72 |
2021-06-01 | $159,900 (5.3%) | $232,533 (9.2%) | 0.00 | 76 |
2021-07-01 | $159,900 (6.7%) | $228,821 (7.2%) | 0.00 | 86 |
2021-08-01 | $163,000 (16.9%) | $244,962 (14.2%) | 0.00 | 99 |
2021-09-01 | $168,000 (8.4%) | $231,815 (8.9%) | 0.00 | 110 |
2021-10-01 | $185,900 (16.6%) | $227,465 (6.6%) | 0.00 | 106 |
2021-11-01 | $189,000 (20.4%) | $253,099 (14.5%) | 0.00 | 101 |
2021-12-01 | $194,050 (14.2%) | $260,852 (10.2%) | 0.00 | 86 |
2022-01-01 | $202,400 (15.7%) | $267,758 (11.9%) | 0.00 | 77 |
2022-02-01 | $192,400 (13.2%) | $254,980 (7.1%) | 0.00 | 81 |
2022-03-01 | $202,450 (27.0%) | $270,594 (13.5%) | 0.00 | 79 |
2022-04-01 | $198,000 (16.5%) | $280,347 (7.8%) | 0.00 | 74 |
2022-05-01 | $194,275 (14.4%) | $269,650 (4.1%) | 0.00 | 84 |
2022-06-01 | $199,900 (25.0%) | $262,393 (12.8%) | 0.00 | 79 |
2022-07-01 | $194,000 (21.3%) | $244,361 (6.8%) | 0.00 | 84 |
2022-08-01 | $212,475 (30.4%) | $249,743 (2.0%) | 0.00 | 96 |
2022-09-01 | $229,000 (36.3%) | $259,111 (11.8%) | 0.00 | 95 |
2022-10-01 | $230,000 (23.7%) | $260,644 (14.6%) | 0.00 | 100 |
2022-11-01 | $209,500 (10.9%) | $257,845 (1.9%) | 0.00 | 108 |
2022-12-01 | $205,000 (5.6%) | $256,534 (-1.7%) | 0.00 | 106 |
2023-01-01 | $199,000 (-1.7%) | $241,597 (-9.8%) | 0.00 | 104 |
2023-02-01 | $189,900 (-1.3%) | $233,875 (-8.3%) | 0.00 | 93 |
2023-03-01 | $209,225 (3.4%) | $246,648 (-8.9%) | 0.00 | 93 |
2023-04-01 | $229,900 (16.1%) | $293,369 (4.7%) | 0.00 | 92 |
2023-05-01 | $239,950 (23.5%) | $312,075 (15.7%) | 0.00 | 88 |
2023-06-01 | $229,450 (14.8%) | $306,461 (16.8%) | 0.00 | 86 |
2023-07-01 | $229,450 (18.3%) | $315,236 (29.0%) | 0.00 | 94 |
2023-08-01 | $234,925 (10.6%) | $311,661 (24.8%) | 0.00 | 99 |
2023-09-01 | $230,000 (0.4%) | $301,571 (16.4%) | 0.00 | 104 |
2023-10-01 | $218,500 (-5.0%) | $292,124 (12.1%) | 0.00 | 118 |
2023-11-01 | $210,225 (0.4%) | $260,349 (1.0%) | 0.00 | 132 |
2023-12-01 | $207,000 (1.0%) | $254,790 (-0.7%) | 0.00 | 123 |
2024-01-01 | $204,920 (3.0%) | $248,619 (2.9%) | 0.00 | 129 |
2024-02-01 | $199,500 (5.1%) | $248,794 (6.4%) | 0.00 | 126 |
2024-03-01 | $205,000 (-2.0%) | $249,468 (1.1%) | 0.00 | 128 |
2024-04-01 | $216,925 (-5.6%) | $268,202 (-8.6%) | 0.00 | 142 |
2024-05-01 | $238,500 (-0.6%) | $289,318 (-7.3%) | 0.00 | 149 |
2024-06-01 | $235,000 (2.4%) | $284,646 (-7.1%) | 0.00 | 151 |
2024-07-01 | $215,950 (-5.9%) | $275,632 (-12.6%) | 0.00 | 158 |
2024-08-01 | $217,400 (-7.5%) | $280,825 (-9.9%) | 0.00 | 183 |
2024-09-01 | $215,363 (-6.4%) | $279,292 (-7.4%) | 0.00 | 187 |
2024-10-01 | $212,500 (-2.8%) | $268,506 (-8.1%) | 0.00 | 182 |
2024-11-01 | $212,000 (0.8%) | $269,698 (3.6%) | 0.00 | 190 |
Waycross's median listing price comes in at 0% of the national average.
Waycross's average listing price for 2024-11-01 was $269,698, a difference of $9,349 (3.6%) versus the prior year and $1,192 versus the prior month.
For the 2024-11-01 period, Waycross had 190 MLS listings, a difference of 8 listings (4%) versus the prior month and 58 listings (44%) versus the prior year.
Median Listing Time on Market & Square Footage
Realtor.com - Waycross (CBSA) retrieved from FRED, Federal Reserve Bank of St. LouisDate | Median Listing Time on Market | Median Square Footage |
---|---|---|
2018-01-01 | 0 days | 2,041 sqft |
2018-02-01 | 0 days | 2,069 sqft |
2018-03-01 | 0 days | 2,056 sqft |
2018-04-01 | 0 days | 2,050 sqft |
2018-05-01 | 0 days | 1,992 sqft |
2018-06-01 | 0 days | 2,007 sqft |
2018-07-01 | 0 days | 2,015 sqft |
2018-08-01 | 0 days | 2,037 sqft |
2018-09-01 | 0 days | 2,053 sqft |
2018-10-01 | 0 days | 2,120 sqft |
2018-11-01 | 0 days | 2,174 sqft |
2018-12-01 | 0 days | 2,157 sqft |
2019-01-01 | 0 days | 2,143 sqft |
2019-02-01 | 0 days | 2,017 sqft |
2019-03-01 | 0 days | 2,022 sqft |
2019-04-01 | 0 days | 2,032 sqft |
2019-05-01 | 0 days | 2,036 sqft |
2019-06-01 | 0 days | 2,053 sqft |
2019-07-01 | 0 days | 2,040 sqft |
2019-08-01 | 0 days | 2,045 sqft |
2019-09-01 | 0 days | 2,119 sqft |
2019-10-01 | 0 days | 2,176 sqft |
2019-11-01 | 0 days | 2,112 sqft |
2019-12-01 | 0 days | 2,104 sqft |
2020-01-01 | 0 days | 2,142 sqft |
2020-02-01 | 0 days | 2,186 sqft |
2020-03-01 | 0 days | 2,157 sqft |
2020-04-01 | 0 days | 2,083 sqft |
2020-05-01 | 0 days | 2,098 sqft |
2020-06-01 | 0 days | 2,087 sqft |
2020-07-01 | 0 days | 2,085 sqft |
2020-08-01 | 0 days | 1,920 sqft |
2020-09-01 | 0 days | 1,851 sqft |
2020-10-01 | 0 days | 1,924 sqft |
2020-11-01 | 0 days | 1,882 sqft |
2020-12-01 | 0 days | 2,029 sqft |
2021-01-01 | 0 days | 2,101 sqft |
2021-02-01 | 0 days | 2,067 sqft |
2021-03-01 | 0 days | 1,963 sqft |
2021-04-01 | 0 days | 2,009 sqft |
2021-05-01 | 0 days | 1,901 sqft |
2021-06-01 | 0 days | 1,847 sqft |
2021-07-01 | 0 days | 1,804 sqft |
2021-08-01 | 0 days | 1,842 sqft |
2021-09-01 | 0 days | 1,826 sqft |
2021-10-01 | 0 days | 1,855 sqft |
2021-11-01 | 0 days | 1,813 sqft |
2021-12-01 | 0 days | 1,861 sqft |
2022-01-01 | 0 days | 1,934 sqft |
2022-02-01 | 0 days | 1,855 sqft |
2022-03-01 | 0 days | 1,923 sqft |
2022-04-01 | 0 days | 1,968 sqft |
2022-05-01 | 0 days | 1,915 sqft |
2022-06-01 | 0 days | 1,892 sqft |
2022-07-01 | 0 days | 1,972 sqft |
2022-08-01 | 0 days | 2,003 sqft |
2022-09-01 | 0 days | 2,093 sqft |
2022-10-01 | 0 days | 2,003 sqft |
2022-11-01 | 0 days | 2,001 sqft |
2022-12-01 | 0 days | 2,058 sqft |
2023-01-01 | 0 days | 2,006 sqft |
2023-02-01 | 0 days | 1,865 sqft |
2023-03-01 | 0 days | 1,928 sqft |
2023-04-01 | 0 days | 2,036 sqft |
2023-05-01 | 0 days | 2,092 sqft |
2023-06-01 | 0 days | 1,909 sqft |
2023-07-01 | 0 days | 1,910 sqft |
2023-08-01 | 0 days | 1,901 sqft |
2023-09-01 | 0 days | 1,953 sqft |
2023-10-01 | 0 days | 1,872 sqft |
2023-11-01 | 0 days | 1,892 sqft |
2023-12-01 | 0 days | 1,820 sqft |
2024-01-01 | 0 days | 1,754 sqft |
2024-02-01 | 0 days | 1,744 sqft |
2024-03-01 | 0 days | 1,760 sqft |
2024-04-01 | 0 days | 1,772 sqft |
2024-05-01 | 0 days | 1,836 sqft |
2024-06-01 | 0 days | 1,800 sqft |
2024-07-01 | 0 days | 1,679 sqft |
2024-08-01 | 0 days | 1,689 sqft |
2024-09-01 | 0 days | 1,683 sqft |
2024-10-01 | 0 days | 1,656 sqft |
2024-11-01 | 0 days | 1,682 sqft |
Waycross's median square footage for active listings during the 2024-11-01 period was 1,682 sqft. One year prior, the average listing was 1,892 sqft.