Athens Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Athens averaged 7.46% for the week of 2025-05-22, compared to the national average of 6.86% for the same period.

    The average rate for the prior week (2025-05-15) was 7.31% and one month ago for the week of 2025-04-17, the average rate was 7.33%.

    Athens's average rate one year ago was 7.22%.

    For refis of the same type during the week of 2025-05-22, the average rate was 7.16%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-05-22 6.86%
    Athens 30 Year Fixed Rate 2025-05-22 7.46%
    Athens 30 Year Fixed Rate Refi 2025-05-22 7.16%
    Athens 15 Year Fixed Rate 2025-05-22 6.21%
    Athens 15 Year Fixed Rate Refi 2025-05-22 6.41%
    Athens 30 Year FHA 2025-05-22 6.71%
    Athens 30 Year FHA Refi 2025-05-22 6.51%
    Athens 30 Year USDA 2025-05-22 6.63%
    Athens 30 Year USDA Refi 2025-05-22 6.53%
    Athens 30 Year VA 2025-05-22 6.32%
    Athens 30 Year VA Refi 2025-05-22 6.52%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Athens, OH.

    Athens Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Athens, OH market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    QUICKEN LOANS, LLC 18 6.82% $5,721
    JPMorgan Chase Bank 13 7.10% $5,620
    UNION HOME MORTGAGE CORP. 12 7.23% $5,333
    The Park National Bank 9 7.11% $4,151
    The Farmers Bank & Savings Company 8 6.63% $3,185
    T2 FINANCIAL LLC 8 6.78% $4,621
    Peoples Bank 8 7.53% $2,538
    Flagstar Bank, FSB 6 7.42% $4,994
    Fifth Third Bank 5 6.45% $5,943
    CROSSCOUNTRY MORTGAGE, LLC 4 6.68% $7,234
    PRIMELENDING, A PLAINSCAPITAL COMPANY 4 7.19% $5,129
    RUOFF MORTGAGE COMPANY, INC. 4 6.69% $4,561
    UNITED WHOLESALE MORTGAGE, LLC 4 6.74% $7,565
    HOMESIDE FINANCIAL, LLC 4 7.09% $4,984
    U.S. Bank 4 6.75% $3,465
    WesBanco 3 7.17% $5,553
    J. VIRGIL, INC. 3 7.33% $5,013
    Mortgage Research Center, LLC 3 6.96% $7,717
    NAVY FEDERAL CREDIT UNION 3 5.92% $5,514
    NEWREZ LLC 3 7.50% $8,877
    NFM, INC. 3 6.83% $6,126
    RAPID MORTGAGE COMPANY 3 7.21% $9,399
    THE EQUITABLE MORTGAGE CORPORATION 3 6.96% $4,285
    The Huntington National Bank 3 7.17% $5,475
    THE VINTON COUNTY NATIONAL BANK 3 7.42% $2,951
    PENNYMAC LOAN SERVICES, LLC 2 7.00% $4,151
    Union Savings Bank 2 6.56% $2,704
    First Financial Bank 2 7.25% $4,628
    Farm Credit Mid-America, ACA 2 6.63% $8,210
    The Merchants National Bank 2 7.75% $4,079
    GSF Mortgage Corporation 2 7.06% $5,042
    GUARANTEED RATE, INC. 2 6.93% $7,048
    The Ohio Valley Bank Company 2 7.06% $4,029
    Raymond James Bank 2 6.38% $4,062
    EQUITY RESOURCES, INC. 1 6.50% $3,426
    PLAZA HOME MORTGAGE, INC. 1 6.63% $6,349
    PNC Bank 1 6.88% $7,186
    POLARIS HOME FUNDING CORP. 1 8.13% $7,160
    DESCO 1 7.63% $5,177
    Day Air Credit Union, Inc 1 6.63% $3,592
    AMERISAVE MORTGAGE CORPORATION 1 7.50% $6,667
    City National Bank of West Virginia 1 6.85% $2,560
    South State Bank 1 6.38% $9,968
    STOCKTON MORTGAGE CORPORATION 1 6.88% $8,719
    Carrington Mortgage Services, LLC 1 8.13% $6,824
    TELHIO 1 8.13% $3,670
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 8.25% $5,746
    BROKER SOLUTIONS, INC. 1 5.63% $6,256
    Waterstone Mortgage Corporation 1 7.75% $7,705
    BMI Federal Credit Union 1 6.75% $3,578
    FIRST COMMUNITY MORTGAGE, INC. 1 7.38% $3,967
    First Federal Savings and Loan Association 1 6.88% $1,981
    Gateway First Bank 1 6.63% $4,040
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 1 7.63% $7,392
    AmeriHome Mortgage Company, LLC 1 7.50% $5,246
    EVERENCE FEDERAL CREDIT UNION 1 7.00% $3,212
    LAKEVIEW LOAN SERVICING, LLC 1 6.99% $7,205
    LCNB National Bank 1 6.38% $3,697
    Morgan Stanley Private Bank 1 6.15% $3,183
    BETTER MORTGAGE CORPORATION 1 6.88% $3,705
    MOVEMENT MORTGAGE, LLC 1 6.99% $8,528
    Nations Lending Corporation 1 7.13% $8,678
    Bank of America 1 6.75% $6,563
    USAA Federal Savings Bank 1 6.00% $13,034

    Athens Average Closing Costs & Other Stats

    Athens, OH's 64 lenders originated 530 loans during 2024. The total origination value was $94,740,000, with an average loan value of $178,755.

    Athens's average closing costs are $5,035.

    The top Athens lender as defined by loan originations is QUICKEN LOANS, LLC, with 18 loans originated. Their average total fees are $5,721, which is $101 higher than the next largest lender, JPMorgan Chase Bank.

    The lowest fee Athens lenders (with over 10 loans originated) are UNION HOME MORTGAGE CORP. ($5,333), JPMorgan Chase Bank ($5,620), QUICKEN LOANS, LLC ($5,721), .

    The lowest rate Athens lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (6.82%), JPMorgan Chase Bank (7.10%), UNION HOME MORTGAGE CORP. (7.23%), .

    Athens, OH Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    UNION HOME MORTGAGE CORP. $5,075,000 $6,620,000 30.4% 7.0%
    QUICKEN LOANS, LLC $6,040,000 $4,955,000 -18.0% 5.2%
    Mortgage Research Center, LLC $2,475,000 $4,940,000 99.6% 5.2%
    Peoples Bank $4,185,000 $4,205,000 0.5% 4.4%
    The First National Bank of McConnelsville $4,265,000 $3,885,000 -8.9% 4.1%
    JPMorgan Chase Bank $3,280,000 $2,905,000 -11.4% 3.1%
    THE VINTON COUNTY NATIONAL BANK $1,655,000 $2,635,000 59.2% 2.8%
    The Huntington National Bank $2,485,000 $2,500,000 0.6% 2.6%
    UNITED WHOLESALE MORTGAGE, LLC $795,000 $2,495,000 213.8% 2.6%
    T2 FINANCIAL LLC $3,790,000 $2,385,000 -37.1% 2.5%
    The Park National Bank $1,435,000 $2,265,000 57.8% 2.4%
    RAPID MORTGAGE COMPANY $2,055,000 $2,170,000 5.6% 2.3%
    FREEDOM MORTGAGE CORPORATION $550,000 $2,035,000 270.0% 2.1%
    The Farmers Bank & Savings Company $765,000 $2,030,000 165.4% 2.1%
    NEWREZ LLC $2,115,000 $1,710,000 -19.1% 1.8%
    NFM, INC. $205,000 $1,710,000 734.1% 1.8%
    North Valley Bank $270,000 $1,710,000 533.3% 1.8%
    Fifth Third Bank $785,000 $1,645,000 109.6% 1.7%
    J. VIRGIL, INC. $1,185,000 $1,585,000 33.8% 1.7%
    CROSSCOUNTRY MORTGAGE, LLC $870,000 $1,575,000 81.0% 1.7%
    Farm Credit Mid-America, ACA $615,000 $1,410,000 129.3% 1.5%
    U.S. Bank $410,000 $1,385,000 237.8% 1.5%
    WesBanco $495,000 $1,335,000 169.7% 1.4%
    PENNYMAC LOAN SERVICES, LLC $350,000 $1,300,000 271.4% 1.4%
    RUOFF MORTGAGE COMPANY, INC. $1,045,000 $1,195,000 14.4% 1.3%
    First Financial Bank $895,000 $1,185,000 32.4% 1.3%
    The Ohio Valley Bank Company $2,015,000 $1,160,000 -42.4% 1.2%
    HOMESIDE FINANCIAL, LLC $1,115,000 n/a 1.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $835,000 $1,035,000 24.0% 1.1%
    THE EQUITABLE MORTGAGE CORPORATION $105,000 $1,020,000 871.4% 1.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $745,000 $1,015,000 36.2% 1.1%
    Flagstar Bank, FSB $355,000 $980,000 176.1% 1.0%
    GUARANTEED RATE, INC. $955,000 n/a 1.0%
    ATOMIC CREDIT UNION, INC. $80,000 $935,000 1,068.8% 1.0%
    NAVY FEDERAL CREDIT UNION $280,000 $805,000 187.5% 0.8%
    Raymond James Bank $800,000 n/a 0.8%
    NEW DAY FINANCIAL, LLC $765,000 n/a 0.8%
    GSF Mortgage Corporation $745,000 n/a 0.8%
    AMERISAVE MORTGAGE CORPORATION $185,000 $710,000 283.8% 0.7%
    STOCKTON MORTGAGE CORPORATION $710,000 n/a 0.7%
    MOVEMENT MORTGAGE, LLC $695,000 $615,000 -11.5% 0.6%
    Union Savings Bank $865,000 $615,000 -28.9% 0.6%
    LENDINGHOME FUNDING CORPORATION $570,000 n/a 0.6%
    USAA Federal Savings Bank $570,000 n/a 0.6%
    POLARIS HOME FUNDING CORP. $875,000 $515,000 -41.1% 0.5%
    The Merchants National Bank $1,305,000 $495,000 -62.1% 0.5%
    AMERICAN FINANCIAL RESOURCES, INC. $490,000 n/a 0.5%
    First Federal Bank of the Midwest $485,000 n/a 0.5%
    GoPrime Mortgage, Inc. $175,000 $485,000 177.1% 0.5%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $270,000 $455,000 68.5% 0.5%
    CITY FIRST MORTGAGE SERVICES, L.L.C. $435,000 n/a 0.5%
    LAKEVIEW LOAN SERVICING, LLC $435,000 n/a 0.5%
    TRIAD FINANCIAL SERVICES, INC. $180,000 $435,000 141.7% 0.5%
    The Old Fort Banking Company $395,000 n/a 0.4%
    AmeriHome Mortgage Company, LLC $380,000 n/a 0.4%
    PURDUE FEDERAL CREDIT UNION $375,000 n/a 0.4%
    The Savings Bank $345,000 n/a 0.4%
    PNC Bank $1,155,000 $340,000 -70.6% 0.4%
    Armed Forces Bank $335,000 n/a 0.4%
    PLAZA HOME MORTGAGE, INC. $320,000 n/a 0.3%
    Carrington Mortgage Services, LLC $270,000 $315,000 16.7% 0.3%
    TOWER $305,000 n/a 0.3%
    Community Bank of Parkersburg $125,000 $300,000 140.0% 0.3%
    Bank of America $285,000 n/a 0.3%
    South State Bank $285,000 n/a 0.3%
    BMI Federal Credit Union $275,000 n/a 0.3%
    Morgan Stanley Private Bank $275,000 n/a 0.3%
    Williamstown Bank, Inc $245,000 $275,000 12.2% 0.3%
    Citizens Bank $305,000 $270,000 -11.5% 0.3%
    BROKER SOLUTIONS, INC. $285,000 $260,000 -8.8% 0.3%
    EVERENCE FEDERAL CREDIT UNION $245,000 n/a 0.3%
    LCNB National Bank $245,000 n/a 0.3%
    BETTER MORTGAGE CORPORATION $235,000 n/a 0.2%
    Unified Bank $360,000 $235,000 -34.7% 0.2%
    21ST MORTGAGE CORPORATION $365,000 $215,000 -41.1% 0.2%
    Day Air Credit Union, Inc $215,000 n/a 0.2%
    Nations Lending Corporation $215,000 n/a 0.2%
    Waterstone Mortgage Corporation $215,000 n/a 0.2%
    First Federal Savings and Loan Association $205,000 n/a 0.2%
    TELHIO $205,000 n/a 0.2%
    City National Bank of West Virginia $185,000 n/a 0.2%
    DAS Acquisition Company, LLC $85,000 $185,000 117.6% 0.2%
    GENEVA FINANCIAL, LLC $185,000 n/a 0.2%
    ALLIED MORTGAGE GROUP, INC. $175,000 n/a 0.2%
    Gateway First Bank $330,000 $175,000 -47.0% 0.2%
    MORTGAGEONE, INC. $175,000 n/a 0.2%
    LOANDEPOT.COM, LLC $535,000 $165,000 -69.2% 0.2%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $155,000 n/a 0.2%
    KeyBank $155,000 n/a 0.2%
    EQUITY RESOURCES, INC. $450,000 $135,000 -70.0% 0.1%
    LOANPAL, LLC $135,000 n/a 0.1%
    SOUTHWEST STAGE FUNDING, LLC $135,000 n/a 0.1%
    The State Bank and Trust Company $115,000 $135,000 17.4% 0.1%
    WEST VIRGINIA CENTRAL FEDERAL CREDIT UNION $135,000 n/a 0.1%
    FIRST SERVICE FCU $125,000 n/a 0.1%
    Third Federal Savings and Loan Association of Cleveland $1,845,000 $125,000 -93.2% 0.1%
    Mr. Cooper ( Nationstar Mortgage ) $120,000 n/a 0.1%
    DESCO $115,000 n/a 0.1%
    Figure Lending LLC $25,000 $100,000 300.0% 0.1%
    Hometown Equity Mortgage, LLC $95,000 n/a 0.1%
    TOP FLITE FINANCIAL, INC. $95,000 n/a 0.1%
    FIRST COMMUNITY MORTGAGE, INC. $85,000 n/a 0.1%
    Peoples State Bank $215,000 $85,000 -60.5% 0.1%
    United Bank $85,000 n/a 0.1%
    The Middlefield Banking Company $75,000 n/a 0.1%
    Civista Bank $45,000 n/a 0.0%

    Athens's top lender by overall market share is UNION HOME MORTGAGE CORP., with 7.0% market share. In second place, with 5.2%, is QUICKEN LOANS, LLC, having originated $4,955,000 in loans. In third place, with 5.2%, is Mortgage Research Center, LLC, having originated $4,940,000 in loans. In fourth place, with 4.4%, is Peoples Bank, having originated $4,205,000 in loans. In fifth place, with 4.1%, is The First National Bank of McConnelsville, having originated $3,885,000 in loans.

    Athens Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Athens (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 $165,000 (24.6%) $186,377 (0.2%) 0.00 150
    2018-02-01 $180,425 (27.3%) $192,650 (-0.7%) 0.00 154
    2018-03-01 $173,450 (2.1%) $193,758 (-9.6%) 0.00 184
    2018-04-01 $184,050 (8.9%) $204,628 (-3.0%) 0.00 189
    2018-05-01 $195,000 (17.1%) $210,181 (-0.3%) 0.00 188
    2018-06-01 $189,500 (11.4%) $213,470 (-0.6%) 0.00 205
    2018-07-01 $192,425 (4.3%) $214,907 (-0.1%) 0.00 199
    2018-08-01 $184,450 (7.0%) $213,942 (6.8%) 0.00 189
    2018-09-01 $179,900 (5.9%) $212,826 (9.7%) 0.00 175
    2018-10-01 $165,000 (-5.7%) $207,516 (6.5%) 0.00 180
    2018-11-01 $178,650 (3.4%) $216,215 (10.1%) 0.00 170
    2018-12-01 $179,900 (2.8%) $214,613 (10.7%) 0.00 158
    2019-01-01 $184,450 (11.8%) $214,352 (15.0%) 0.00 146
    2019-02-01 $179,900 (-0.3%) $210,500 (9.3%) 0.00 155
    2019-03-01 $175,614 (1.3%) $206,519 (6.6%) 0.00 174
    2019-04-01 $169,900 (-7.7%) $203,065 (-0.8%) 0.00 193
    2019-05-01 $172,400 (-11.6%) $206,930 (-1.6%) 0.00 193
    2019-06-01 $167,000 (-11.9%) $201,587 (-5.6%) 0.00 205
    2019-07-01 $162,500 (-15.6%) $194,228 (-9.6%) 0.00 208
    2019-08-01 $162,818 (-11.7%) $194,364 (-9.2%) 0.00 210
    2019-09-01 $166,295 (-7.6%) $196,337 (-7.8%) 0.00 208
    2019-10-01 $168,614 (2.2%) $196,852 (-5.1%) 0.00 200
    2019-11-01 $175,000 (-2.0%) $199,233 (-7.9%) 0.00 181
    2019-12-01 $169,000 (-6.1%) $197,159 (-8.1%) 0.00 160
    2020-01-01 $166,500 (-9.7%) $197,955 (-7.7%) 0.00 142
    2020-02-01 $165,000 (-8.3%) $204,240 (-3.0%) 0.00 150
    2020-03-01 $189,450 (7.9%) $212,981 (3.1%) 0.00 168
    2020-04-01 $189,675 (11.6%) $211,349 (4.1%) 0.00 168
    2020-05-01 $196,250 (13.8%) $218,290 (5.5%) 0.00 156
    2020-06-01 $198,875 (19.1%) $215,962 (7.1%) 0.00 150
    2020-07-01 $192,475 (18.5%) $207,211 (6.7%) 0.00 146
    2020-08-01 $190,500 (17.0%) $208,785 (7.4%) 0.00 136
    2020-09-01 $184,675 (11.1%) $210,651 (7.3%) 0.00 137
    2020-10-01 $185,000 (9.7%) $198,848 (1.0%) 0.00 129
    2020-11-01 $179,375 (2.5%) $199,763 (0.3%) 0.00 114
    2020-12-01 $162,500 (-3.9%) $189,877 (-3.7%) 0.00 98
    2021-01-01 $167,500 (0.6%) $186,377 (-5.9%) 0.00 86
    2021-02-01 $159,125 (-3.6%) $178,410 (-12.7%) 0.00 83
    2021-03-01 $154,450 (-18.5%) $184,858 (-13.2%) 0.00 93
    2021-04-01 $154,000 (-18.8%) $191,635 (-9.3%) 0.00 99
    2021-05-01 $179,450 (-8.6%) $212,551 (-2.6%) 0.00 98
    2021-06-01 $183,700 (-7.6%) $213,893 (-1.0%) 0.00 112
    2021-07-01 $179,000 (-7.0%) $215,079 (3.8%) 0.00 103
    2021-08-01 $187,000 (-1.8%) $217,721 (4.3%) 0.00 100
    2021-09-01 $185,000 (0.2%) $211,654 (0.5%) 0.00 96
    2021-10-01 $189,900 (2.7%) $205,692 (3.4%) 0.00 85
    2021-11-01 $179,500 (0.1%) $203,218 (1.7%) 0.00 73
    2021-12-01 $167,975 (3.4%) $189,216 (-0.4%) 0.00 62
    2022-01-01 $168,000 (0.3%) $187,623 (0.7%) 0.00 54
    2022-02-01 $177,500 (11.6%) $192,192 (7.7%) 0.00 56
    2022-03-01 $174,125 (12.7%) $209,577 (13.4%) 0.00 56
    2022-04-01 $180,000 (16.9%) $230,593 (20.3%) 0.00 71
    2022-05-01 $188,625 (5.1%) $223,851 (5.3%) 0.00 92
    2022-06-01 $194,750 (6.0%) $249,495 (16.6%) 0.00 102
    2022-07-01 $209,750 (17.2%) $258,105 (20.0%) 0.00 108
    2022-08-01 $182,225 (-2.6%) $228,008 (4.7%) 0.00 104
    2022-09-01 $188,000 (1.6%) $217,301 (2.7%) 0.00 110
    2022-10-01 $194,500 (2.4%) $234,202 (13.9%) 0.00 112
    2022-11-01 $199,950 (11.4%) $240,452 (18.3%) 0.00 99
    2022-12-01 $194,900 (16.0%) $243,252 (28.6%) 0.00 95
    2023-01-01 $193,475 (15.2%) $245,832 (31.0%) 0.00 80
    2023-02-01 $218,475 (23.1%) $254,237 (32.3%) 0.00 84
    2023-03-01 $192,400 (10.5%) $236,576 (12.9%) 0.00 95
    2023-04-01 $225,000 (25.0%) $263,671 (14.3%) 0.00 71
    2023-05-01 $191,500 (1.5%) $239,849 (7.2%) 0.00 61
    2023-06-01 $199,925 (2.7%) $267,818 (7.3%) 0.00 48
    2023-07-01 $205,000 (-2.3%) $274,335 (6.3%) 0.00 48
    2023-08-01 $222,450 (22.1%) $301,444 (32.2%) 0.00 51
    2023-09-01 $209,900 (11.7%) $276,472 (27.2%) 0.00 53
    2023-10-01 $203,725 (4.7%) $263,719 (12.6%) 0.00 63
    2023-11-01 $235,000 (17.5%) $258,662 (7.6%) 0.00 68
    2023-12-01 $247,200 (26.8%) $282,497 (16.1%) 0.00 66
    2024-01-01 $225,675 (16.6%) $273,162 (11.1%) 0.00 59
    2024-02-01 $224,000 (2.5%) $270,186 (6.3%) 0.00 60
    2024-03-01 $256,750 (33.5%) $288,806 (22.1%) 0.00 52
    2024-04-01 $258,125 (14.7%) $290,671 (10.2%) 0.00 50
    2024-05-01 $261,375 (36.5%) $301,286 (25.6%) 0.00 54
    2024-06-01 $254,000 (27.1%) $300,435 (12.2%) 0.00 69
    2024-07-01 $234,200 (14.2%) $280,491 (2.2%) 0.00 73
    2024-08-01 $249,000 (11.9%) $293,660 (-2.6%) 0.00 82
    2024-09-01 $267,000 (27.2%) $305,815 (10.6%) 0.00 86
    2024-10-01 $259,675 (27.5%) $313,711 (19.0%) 0.00 88
    2024-11-01 $215,000 (-8.5%) $281,844 (9.0%) 0.00 79
    2024-12-01 $213,473 (-13.6%) $268,133 (-5.1%) 0.00 67
    2025-01-01 $221,161 (-2.0%) $270,438 (-1.0%) 0.00 65
    2025-02-01 $236,225 (5.5%) $268,452 (-0.6%) 0.00 64
    2025-03-01 $224,900 (-12.4%) $277,740 (-3.8%) 0.00 71
    2025-04-01 $263,675 (2.2%) $303,549 (4.4%) 0.00 73
    Athens's median listing price for 2025-04-01 was $263,675, a difference of $5,550 (2.2%) versus the prior year and $38,775 versus the prior month.

    Athens's median listing price comes in at 0% of the national average.

    Athens's average listing price for 2025-04-01 was $303,549, a difference of $12,878 (4.4%) versus the prior year and $25,809 versus the prior month.

    For the 2025-04-01 period, Athens had 73 MLS listings, a difference of 2 listings (3%) versus the prior month and 23 listings (46%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Athens (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,844 sqft
    2018-02-01 0 days 1,901 sqft
    2018-03-01 0 days 1,787 sqft
    2018-04-01 0 days 1,813 sqft
    2018-05-01 0 days 1,877 sqft
    2018-06-01 0 days 1,960 sqft
    2018-07-01 0 days 1,889 sqft
    2018-08-01 0 days 1,846 sqft
    2018-09-01 0 days 1,827 sqft
    2018-10-01 0 days 1,811 sqft
    2018-11-01 0 days 1,778 sqft
    2018-12-01 0 days 1,746 sqft
    2019-01-01 0 days 1,718 sqft
    2019-02-01 0 days 1,680 sqft
    2019-03-01 0 days 1,708 sqft
    2019-04-01 0 days 1,738 sqft
    2019-05-01 0 days 1,737 sqft
    2019-06-01 0 days 1,728 sqft
    2019-07-01 0 days 1,713 sqft
    2019-08-01 0 days 1,720 sqft
    2019-09-01 0 days 1,726 sqft
    2019-10-01 0 days 1,735 sqft
    2019-11-01 0 days 1,776 sqft
    2019-12-01 0 days 1,739 sqft
    2020-01-01 0 days 1,707 sqft
    2020-02-01 0 days 1,678 sqft
    2020-03-01 0 days 1,860 sqft
    2020-04-01 0 days 1,852 sqft
    2020-05-01 0 days 1,812 sqft
    2020-06-01 0 days 1,809 sqft
    2020-07-01 0 days 1,731 sqft
    2020-08-01 0 days 1,696 sqft
    2020-09-01 0 days 1,687 sqft
    2020-10-01 0 days 1,704 sqft
    2020-11-01 0 days 1,684 sqft
    2020-12-01 0 days 1,592 sqft
    2021-01-01 0 days 1,560 sqft
    2021-02-01 0 days 1,455 sqft
    2021-03-01 0 days 1,509 sqft
    2021-04-01 0 days 1,510 sqft
    2021-05-01 0 days 1,610 sqft
    2021-06-01 0 days 1,628 sqft
    2021-07-01 0 days 1,614 sqft
    2021-08-01 0 days 1,660 sqft
    2021-09-01 0 days 1,660 sqft
    2021-10-01 0 days 1,632 sqft
    2021-11-01 0 days 1,560 sqft
    2021-12-01 0 days 1,366 sqft
    2022-01-01 0 days 1,316 sqft
    2022-02-01 0 days 1,361 sqft
    2022-03-01 0 days 1,416 sqft
    2022-04-01 0 days 1,512 sqft
    2022-05-01 0 days 1,408 sqft
    2022-06-01 0 days 1,475 sqft
    2022-07-01 0 days 1,640 sqft
    2022-08-01 0 days 1,635 sqft
    2022-09-01 0 days 1,524 sqft
    2022-10-01 0 days 1,680 sqft
    2022-11-01 0 days 1,682 sqft
    2022-12-01 0 days 1,692 sqft
    2023-01-01 0 days 1,650 sqft
    2023-02-01 0 days 1,640 sqft
    2023-03-01 0 days 1,631 sqft
    2023-04-01 0 days 1,630 sqft
    2023-05-01 0 days 1,525 sqft
    2023-06-01 0 days 1,477 sqft
    2023-07-01 0 days 1,680 sqft
    2023-08-01 0 days 1,778 sqft
    2023-09-01 0 days 1,734 sqft
    2023-10-01 0 days 1,665 sqft
    2023-11-01 0 days 1,672 sqft
    2023-12-01 0 days 1,658 sqft
    2024-01-01 0 days 1,635 sqft
    2024-02-01 0 days 1,670 sqft
    2024-03-01 0 days 1,660 sqft
    2024-04-01 0 days 1,663 sqft
    2024-05-01 0 days 1,729 sqft
    2024-06-01 0 days 1,671 sqft
    2024-07-01 0 days 1,659 sqft
    2024-08-01 0 days 1,728 sqft
    2024-09-01 0 days 1,692 sqft
    2024-10-01 0 days 1,623 sqft
    2024-11-01 0 days 1,470 sqft
    2024-12-01 0 days 1,446 sqft
    2025-01-01 0 days 1,492 sqft
    2025-02-01 0 days 1,598 sqft
    2025-03-01 0 days 1,520 sqft
    2025-04-01 0 days 1,760 sqft
    Athens's median listing age (time on market) for 2025-04-01 was 0 days.

    Athens's median square footage for active listings during the 2025-04-01 period was 1,760 sqft. One year prior, the average listing was 1,663 sqft.

    Athens, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 357 $72,245,000 $202,367
    Cash Out Refi 55 $8,435,000 $153,364
    Home Improvement 43 $3,465,000 $80,581
    Other 41 $4,445,000 $108,415
    Refi 34 $6,150,000 $180,882

    Athens's most frequently cited loan purpose was Home Purchase, with 357 originations. The 2nd most popular reason was Cash Out Refi, with 55 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 188 $39,550,000 $210,372
    7-8% 148 $25,670,000 $173,446
    Over 8% 90 $8,330,000 $92,556
    5-6% 53 $11,905,000 $224,623
    3-4% 3 $415,000 $138,333
    <2.5% 2 $10,000 $5,000
    4-5% 1 $115,000 $115,000
    2.5-3% 1 $315,000 $315,000

    During 2024, Athens's most frequently originated rate bucket was 6-7%, with 188 originations.

    Loan Sizing (Athens, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 197 $29,065,000 $147,538
    $100,000 or less 155 $9,105,000 $58,742
    $200k-400k 147 $40,865,000 $277,993
    $400k-600k 28 $13,070,000 $466,786
    $600k-1000k 3 $2,635,000 $878,333

    Athens's loan sizing saw the bucket of loans from $100k-200k with 197 originations, totaling $29,065,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 234 $50,040,000 $213,846
    60-80% 99 $18,235,000 $184,192
    20-40% 43 $3,635,000 $84,535
    Under 20% 42 $1,660,000 $39,524
    40-60% 35 $6,035,000 $172,429
    Over 100% 13 $3,545,000 $272,692

    Athens's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 234 originations, totaling $50,040,000 in origination value.