Milledgeville 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 Milledgeville averaged 6.87% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.98% and one month ago for the week of 2025-02-27, the average rate was 6.79%.

    Milledgeville's average rate one year ago was 7.02%.

    For refis of the same type during the week of 2025-04-03, the average rate was 6.94%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Milledgeville 30 Year Fixed Rate 2025-04-03 6.87%
    Milledgeville 30 Year Fixed Rate Refi 2025-04-03 6.94%
    Milledgeville 15 Year Fixed Rate 2025-04-03 5.62%
    Milledgeville 15 Year Fixed Rate Refi 2025-04-03 6.22%
    Milledgeville 30 Year FHA 2025-04-03 6.51%
    Milledgeville 30 Year FHA Refi 2025-04-03 6.36%
    Milledgeville 30 Year USDA 2025-04-03 6.42%
    Milledgeville 30 Year USDA Refi 2025-04-03 6.32%
    Milledgeville 30 Year VA 2025-04-03 6.06%
    Milledgeville 30 Year VA Refi 2025-04-03 5.86%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Milledgeville, GA.

    Milledgeville 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 Milledgeville, GA 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 11 7.00% $8,899
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 8 7.10% $5,451
    UNITED WHOLESALE MORTGAGE, LLC 7 6.80% $8,490
    MUTUAL OF OMAHA MORTGAGE, INC. 7 6.48% $7,153
    Colony Bank 7 7.18% $6,670
    SOUTHEAST MORTGAGE OF GEORGIA, INC. 7 4.88% $5,407
    BANKSOUTH MORTGAGE COMPANY, LLC 6 7.13% $9,961
    FIRST COLONY MORTGAGE CORPORATION 5 6.68% $6,360
    PENNYMAC LOAN SERVICES, LLC 5 6.97% $6,826
    21ST MORTGAGE CORPORATION 4 8.55% $6,158
    CREDIT UNION FINANCIAL SERVICES, LLC 4 5.66% $8,081
    ROBINS FINANCIAL 4 5.97% $3,785
    NAVY FEDERAL CREDIT UNION 3 6.88% $2,902
    Flagstar Bank, FSB 3 7.20% $4,231
    BROKER SOLUTIONS, INC. 3 6.96% $4,297
    Capital City Home Loans, LLC 3 7.04% $10,780
    Ameris Bank 2 6.88% $5,274
    NBKC BANK 2 6.50% $3,252
    Associated Credit Union 2 5.50% $4,814
    LOANDEPOT.COM, LLC 2 6.88% $3,808
    BancorpSouth 2 6.44% $5,924
    BETTER MORTGAGE CORPORATION 2 6.31% $8,759
    PROVIDENT FUNDING ASSOCIATES, L.P. 2 6.44% $5,160
    GUARANTEED RATE, INC. 2 6.68% $10,247
    GUILD MORTGAGE COMPANY 2 6.75% $10,656
    ROYAL UNITED MORTGAGE LLC 2 6.56% $17,766
    Morgan Stanley Private Bank 1 6.15% $6,750
    Mortgage Assurance Inc. 1 6.88% $9,502
    MORTGAGE INVESTORS GROUP, INC. 1 6.38% $5,715
    Mortgage Research Center, LLC 1 6.88% $0
    MOVEMENT MORTGAGE, LLC 1 7.99% $14,123
    Mr. Cooper ( Nationstar Mortgage ) 1 6.63% $8,177
    NEWREZ LLC 1 6.63% $2,346
    PLAZA HOME MORTGAGE, INC. 1 6.49% $4,601
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.50% $9,331
    RBC Bank, (Georgia) 1 3.88% $21,843
    Renasant Bank 1 6.99% $14,880
    Synovus Bank 1 6.25% $7,055
    The Federal Savings Bank 1 8.38% $7,305
    TOWNE MORTGAGE COMPANY 1 8.13% $6,770
    UNION HOME MORTGAGE CORP. 1 7.63% $8,461
    United Community Bank 1 7.88% $8,073
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 9.50% $7,423
    VAN DYK MORTGAGE CORPORATION 1 6.88% $4,537
    ACOPIA, LLC 1 7.00% $5,442
    ALLIANT CREDIT UNION 1 6.38% $8,192
    AMERICAN FINANCING CORPORATION 1 7.38% $7,046
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 5.99% $11,375
    CANOPY MORTGAGE, LLC 1 6.50% $8,565
    CARDINAL FINANCIAL 1 7.63% $10,005
    Century Mortgage Company DBA Century Lending Company 1 7.38% $15,769
    Citibank 1 6.00% $4,206
    Citizens Bank 1 6.63% $3,245
    Cornerstone First Mortgage, Inc 1 7.50% $5,429
    CROSSCOUNTRY MORTGAGE, LLC 1 6.63% $3,069
    EMM LOANS LLC 1 6.99% $6,977
    First Community Bank 1 7.38% $7,488
    First Federal Bank 1 6.50% $4,886
    First Heritage Mortgage, LLC 1 6.63% $6,151
    First Horizon Bank 1 6.63% $3,448
    First National Bank of Pennsylvania 1 6.63% $8,408
    First Option Mortgage, LLC 1 7.50% $3,771
    First Reliance Bank 1 8.00% $8,768
    FUNDLOANS CAPITAL 1 7.75% $9,860
    GEORGIA'S OWN 1 5.75% $3,869
    GMFS LLC 1 5.99% $3,681
    HOMEOWNERS FINANCIAL GROUP USA, LLC 1 7.13% $12,609
    HOMESPIRE MORTGAGE CORPORATION 1 6.63% $6,774
    Metro City Bank 1 7.63% $4,511

    Milledgeville Average Closing Costs & Other Stats

    Milledgeville, GA's 69 lenders originated 589 loans during 2024. The total origination value was $153,165,000, with an average loan value of $260,042.

    Milledgeville's average closing costs are $5,579.

    The top Milledgeville lender as defined by loan originations is QUICKEN LOANS, LLC, with 11 loans originated. Their average total fees are $8,899, which is $3,449 higher than the next largest lender, FAIRWAY INDEPENDENT MORTGAGE CORPORATION.

    The lowest fee Milledgeville lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($8,899), .

    The lowest rate Milledgeville lenders (with over 10 loans originated) are QUICKEN LOANS, LLC (7.00%), .

    Milledgeville, GA 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
    QUICKEN LOANS, LLC $9,550,000 $9,795,000 2.6% 6.4%
    Magnolia State Bank $2,215,000 $9,025,000 307.4% 5.9%
    Bank of Dudley $145,000 $8,535,000 5,786.2% 5.6%
    NORTHMARQ CAPITAL FINANCE, L.L.C. $7,960,000 n/a 5.2%
    Exchange Bank $8,350,000 $6,460,000 -22.6% 4.2%
    MUTUAL OF OMAHA MORTGAGE, INC. $2,195,000 $5,860,000 167.0% 3.8%
    UNITED WHOLESALE MORTGAGE, LLC $5,010,000 $5,030,000 0.4% 3.3%
    ROBINS FINANCIAL $3,510,000 $5,025,000 43.2% 3.3%
    Colony Bank $1,860,000 $4,415,000 137.4% 2.9%
    SOUTHEAST MORTGAGE OF GEORGIA, INC. $1,865,000 $4,160,000 123.1% 2.7%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $11,275,000 $3,965,000 -64.8% 2.6%
    PENNYMAC LOAN SERVICES, LLC $1,550,000 $3,170,000 104.5% 2.1%
    GUILD MORTGAGE COMPANY $705,000 $3,075,000 336.2% 2.0%
    Mortgage Research Center, LLC $3,295,000 $2,655,000 -19.4% 1.7%
    BANKSOUTH MORTGAGE COMPANY, LLC $1,530,000 $2,630,000 71.9% 1.7%
    Capital City Home Loans, LLC $1,595,000 $2,580,000 61.8% 1.7%
    Ameris Bank $4,205,000 $2,235,000 -46.8% 1.5%
    21ST MORTGAGE CORPORATION $1,415,000 $2,105,000 48.8% 1.4%
    Truist $735,000 $1,890,000 157.1% 1.2%
    FIRST COLONY MORTGAGE CORPORATION $535,000 $1,730,000 223.4% 1.1%
    VAN DYK MORTGAGE CORPORATION $5,750,000 $1,705,000 -70.3% 1.1%
    CREDIT UNION FINANCIAL SERVICES, LLC $740,000 $1,595,000 115.5% 1.0%
    Renasant Bank $940,000 $1,495,000 59.0% 1.0%
    BancorpSouth $1,375,000 n/a 0.9%
    First National Bank of Griffin $1,370,000 n/a 0.9%
    LENDINGONE, LLC $1,365,000 n/a 0.9%
    Synovus Bank $1,370,000 $1,365,000 -0.4% 0.9%
    PLANET HOME LENDING, LLC $400,000 $1,310,000 227.5% 0.9%
    NAVY FEDERAL CREDIT UNION $2,715,000 $1,265,000 -53.4% 0.8%
    Citibank $1,195,000 n/a 0.8%
    GEORGIA'S OWN $540,000 $1,195,000 121.3% 0.8%
    FREEDOM MORTGAGE CORPORATION $735,000 $1,090,000 48.3% 0.7%
    MOVEMENT MORTGAGE, LLC $1,115,000 $985,000 -11.7% 0.6%
    NEWREZ LLC $105,000 $955,000 809.5% 0.6%
    BETTER MORTGAGE CORPORATION $930,000 n/a 0.6%
    TRIAD FINANCIAL SERVICES, INC. $680,000 $930,000 36.8% 0.6%
    NEW DAY FINANCIAL, LLC $910,000 n/a 0.6%
    BROKER SOLUTIONS, INC. $640,000 $900,000 40.6% 0.6%
    Mr. Cooper ( Nationstar Mortgage ) $440,000 $895,000 103.4% 0.6%
    Morris Bank $1,045,000 $880,000 -15.8% 0.6%
    Flagstar Bank, FSB $310,000 $820,000 164.5% 0.5%
    AMERICAN PACIFIC MORTGAGE CORPORATION $805,000 n/a 0.5%
    ROYAL UNITED MORTGAGE LLC $55,000 $805,000 1,363.6% 0.5%
    PROVIDENT FUNDING ASSOCIATES, L.P. $980,000 $765,000 -21.9% 0.5%
    First National Bank of Pennsylvania $355,000 $725,000 104.2% 0.5%
    VANDERBILT MORTGAGE AND FINANCE, INC. $495,000 $725,000 46.5% 0.5%
    CROSSCOUNTRY MORTGAGE, LLC $1,095,000 $680,000 -37.9% 0.4%
    CARDINAL FINANCIAL $430,000 $650,000 51.2% 0.4%
    GUARANTEED RATE, INC. $625,000 $650,000 4.0% 0.4%
    United Community Bank $145,000 $635,000 337.9% 0.4%
    LOANDEPOT.COM, LLC $1,715,000 $630,000 -63.3% 0.4%
    Oconee State Bank $135,000 $630,000 366.7% 0.4%
    ALLIANT CREDIT UNION $595,000 n/a 0.4%
    Century Mortgage Company DBA Century Lending Company $255,000 $580,000 127.5% 0.4%
    SOUTHWEST STAGE FUNDING, LLC $215,000 $565,000 162.8% 0.4%
    HOMEOWNERS FINANCIAL GROUP USA, LLC $545,000 n/a 0.4%
    The Federal Savings Bank $540,000 n/a 0.4%
    Bank of America $455,000 $535,000 17.6% 0.3%
    Morgan Stanley Private Bank $535,000 n/a 0.3%
    CANOPY MORTGAGE, LLC $530,000 n/a 0.3%
    Associated Credit Union $490,000 $525,000 7.1% 0.3%
    HOMESIDE FINANCIAL, LLC $225,000 $495,000 120.0% 0.3%
    AMERICAN FINANCING CORPORATION $490,000 n/a 0.3%
    EMM LOANS LLC $485,000 n/a 0.3%
    LAKEVIEW LOAN SERVICING, LLC $455,000 $480,000 5.5% 0.3%
    Southern States Bank $205,000 $475,000 131.7% 0.3%
    RBC Bank, (Georgia) $465,000 n/a 0.3%
    VILLAGE CAPITAL MORTGAGE $460,000 n/a 0.3%
    AMERISAVE MORTGAGE CORPORATION $550,000 $440,000 -20.0% 0.3%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $295,000 $435,000 47.5% 0.3%
    U.S. Bank $430,000 $430,000 0.0% 0.3%
    LENDINGHOME FUNDING CORPORATION $425,000 n/a 0.3%
    Citizens Bank $315,000 $420,000 33.3% 0.3%
    Queensborough National Bank & Trust Company $415,000 $375,000 -9.6% 0.2%
    CMG MORTGAGE, INC. $770,000 $370,000 -51.9% 0.2%
    Mortgage Assurance Inc. $365,000 n/a 0.2%
    Stifel Bank and Trust $315,000 $350,000 11.1% 0.2%
    FUNDLOANS CAPITAL $315,000 n/a 0.2%
    ZILLOW HOME LOANS, LLC $325,000 $305,000 -6.2% 0.2%
    Third Federal Savings and Loan Association of Cleveland $270,000 $300,000 11.1% 0.2%
    The Commercial Bank $1,055,000 $295,000 -72.0% 0.2%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $1,065,000 $290,000 -72.8% 0.2%
    HOMESPIRE MORTGAGE CORPORATION $1,045,000 $285,000 -72.7% 0.2%
    First Federal Bank $430,000 $275,000 -36.0% 0.2%
    AMERICAN FINANCIAL NETWORK, INC. $435,000 $265,000 -39.1% 0.2%
    AmeriHome Mortgage Company, LLC $265,000 n/a 0.2%
    Carrington Mortgage Services, LLC $1,000,000 $265,000 -73.5% 0.2%
    First Reliance Bank $265,000 n/a 0.2%
    MORTGAGE INVESTORS GROUP, INC. $610,000 $265,000 -56.6% 0.2%
    GMFS LLC $215,000 $255,000 18.6% 0.2%
    UNION HOME MORTGAGE CORP. $255,000 n/a 0.2%
    Alcova Mortgage LLC $245,000 n/a 0.2%
    NFM, INC. $315,000 $245,000 -22.2% 0.2%
    ACOPIA, LLC $235,000 n/a 0.2%
    Equity Prime Mortgage LLC $315,000 $235,000 -25.4% 0.2%
    Lakeview Community Capital, LLC $235,000 n/a 0.2%
    S1L, Inc. $235,000 n/a 0.2%
    Figure Lending LLC $175,000 $230,000 31.4% 0.2%
    Presidential Bank, FSB $265,000 $225,000 -15.1% 0.1%
    FirstBank $65,000 $215,000 230.8% 0.1%
    First Community Bank $215,000 n/a 0.1%
    LIBERTY HOME MORTGAGE CORPORATION $215,000 n/a 0.1%
    FINANCE OF AMERICA REVERSE LLC $210,000 n/a 0.1%
    First Heritage Mortgage, LLC $205,000 n/a 0.1%
    Barrington Bank & Trust Company, N.A. $300,000 $195,000 -35.0% 0.1%
    F&M Bank $195,000 n/a 0.1%
    Peoples Bank & Trust $195,000 n/a 0.1%
    DELTA COMMUNITY CREDIT UNION $290,000 $190,000 -34.5% 0.1%
    NBKC BANK $190,000 n/a 0.1%
    Nations Lending Corporation $395,000 $185,000 -53.2% 0.1%
    First Horizon Bank $75,000 $175,000 133.3% 0.1%
    Metro City Bank $400,000 $165,000 -58.8% 0.1%
    MILEND, INC. $115,000 $165,000 43.5% 0.1%
    United Bank $2,395,000 $160,000 -93.3% 0.1%
    First American Bank and Trust Company $155,000 n/a 0.1%
    Hometown Equity Mortgage, LLC $155,000 n/a 0.1%
    LAFAYETTE FEDERAL CREDIT UNION $155,000 n/a 0.1%
    PLAZA HOME MORTGAGE, INC. $155,000 n/a 0.1%
    PrimeSouth Bank $135,000 $155,000 14.8% 0.1%
    Wells Fargo Bank $1,950,000 $155,000 -92.1% 0.1%
    Prosperity Home Mortgage, LLC $145,000 $145,000 0.0% 0.1%
    TOWNE MORTGAGE COMPANY $145,000 n/a 0.1%
    A&D Mortgage LLC $135,000 n/a 0.1%
    JUSTICE Federal Credit Union $155,000 $135,000 -12.9% 0.1%
    Paramount Residential Mortgage Group, Inc. $135,000 n/a 0.1%
    SUMMIT FUNDING, INC. $135,000 n/a 0.1%
    AMWEST FUNDING CORP. $125,000 n/a 0.1%
    Baxter Credit Union $125,000 n/a 0.1%
    First Option Mortgage, LLC $125,000 n/a 0.1%
    Cornerstone First Mortgage, Inc $185,000 $115,000 -37.8% 0.1%
    PNC Bank $160,000 $105,000 -34.4% 0.1%
    Bethpage Federal Credit Union $65,000 $95,000 46.2% 0.1%
    STOCKTON MORTGAGE CORPORATION $930,000 $85,000 -90.9% 0.1%
    Discover Bank $225,000 $75,000 -66.7% 0.0%
    Royal Credit Union $75,000 n/a 0.0%
    BANK OF MADISON $595,000 $55,000 -90.8% 0.0%
    GEORGIA UNITED $55,000 n/a 0.0%
    PENTAGON FEDERAL CREDIT UNION $180,000 $55,000 -69.4% 0.0%
    PLANTERS FIRST BANK $45,000 n/a 0.0%
    Bank of Monticello $215,000 $35,000 -83.7% 0.0%

    Milledgeville's top lender by overall market share is QUICKEN LOANS, LLC, with 6.4% market share. In second place, with 5.9%, is Magnolia State Bank, having originated $9,025,000 in loans. In third place, with 5.6%, is Bank of Dudley, having originated $8,535,000 in loans. In fourth place, with 5.2%, is NORTHMARQ CAPITAL FINANCE, L.L.C., having originated $7,960,000 in loans. In fifth place, with 4.2%, is Exchange Bank, having originated $6,460,000 in loans.

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

    Realtor.com - Milledgeville (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 $189,900 (8.6%) $236,357 (15.1%) 0.00 196
    2018-02-01 $189,925 (7.6%) $240,864 (13.5%) 0.00 199
    2018-03-01 $189,900 (7.6%) $247,151 (13.0%) 0.00 203
    2018-04-01 $197,950 (16.5%) $250,300 (16.6%) 0.00 211
    2018-05-01 $191,925 (12.5%) $250,571 (19.8%) 0.00 208
    2018-06-01 $199,000 (10.8%) $268,596 (24.1%) 0.00 195
    2018-07-01 $198,225 (8.1%) $265,355 (16.7%) 0.00 199
    2018-08-01 $194,150 (5.6%) $253,691 (13.0%) 0.00 230
    2018-09-01 $194,500 (5.2%) $246,134 (4.5%) 0.00 226
    2018-10-01 $192,725 (6.6%) $246,473 (7.5%) 0.00 211
    2018-11-01 $190,900 (-0.6%) $241,592 (2.4%) 0.00 201
    2018-12-01 $190,900 (0.0%) $234,465 (-1.5%) 0.00 192
    2019-01-01 $190,900 (0.5%) $238,905 (1.1%) 0.00 194
    2019-02-01 $195,675 (3.0%) $241,218 (0.2%) 0.00 213
    2019-03-01 $209,757 (10.5%) $251,089 (1.6%) 0.00 233
    2019-04-01 $235,950 (19.2%) $269,000 (7.5%) 0.00 252
    2019-05-01 $269,000 (40.2%) $275,425 (9.9%) 0.00 243
    2019-06-01 $269,000 (35.2%) $277,551 (3.3%) 0.00 241
    2019-07-01 $222,450 (12.2%) $265,501 (0.1%) 0.00 235
    2019-08-01 $259,364 (33.6%) $274,149 (8.1%) 0.00 237
    2019-09-01 $253,534 (30.4%) $274,662 (11.6%) 0.00 233
    2019-10-01 $249,925 (29.7%) $275,565 (11.8%) 0.00 220
    2019-11-01 $239,000 (25.2%) $270,935 (12.2%) 0.00 218
    2019-12-01 $229,000 (20.0%) $267,609 (14.1%) 0.00 202
    2020-01-01 $230,475 (20.7%) $277,650 (16.2%) 0.00 190
    2020-02-01 $229,000 (17.0%) $289,895 (20.2%) 0.00 174
    2020-03-01 $229,000 (9.2%) $301,219 (20.0%) 0.00 169
    2020-04-01 $229,000 (-3.0%) $298,652 (11.0%) 0.00 159
    2020-05-01 $249,000 (-7.4%) $309,590 (12.4%) 0.00 153
    2020-06-01 $244,475 (-9.1%) $313,106 (12.8%) 0.00 135
    2020-07-01 $234,000 (5.2%) $316,482 (19.2%) 0.00 128
    2020-08-01 $239,000 (-7.9%) $311,355 (13.6%) 0.00 123
    2020-09-01 $239,000 (-5.7%) $304,126 (10.7%) 0.00 131
    2020-10-01 $239,500 (-4.2%) $309,214 (12.2%) 0.00 133
    2020-11-01 $239,250 (0.1%) $311,396 (14.9%) 0.00 110
    2020-12-01 $237,125 (3.6%) $330,873 (23.6%) 0.00 121
    2021-01-01 $224,900 (-2.4%) $293,149 (5.6%) 0.00 114
    2021-02-01 $220,500 (-3.7%) $313,748 (8.2%) 0.00 105
    2021-03-01 $231,725 (1.2%) $307,402 (2.1%) 0.00 80
    2021-04-01 $242,425 (5.9%) $324,947 (8.8%) 0.00 72
    2021-05-01 $250,000 (0.4%) $350,219 (13.1%) 0.00 67
    2021-06-01 $227,050 (-7.1%) $352,408 (12.6%) 0.00 74
    2021-07-01 $212,000 (-9.4%) $352,229 (11.3%) 0.00 69
    2021-08-01 $288,738 (20.8%) $376,519 (20.9%) 0.00 78
    2021-09-01 $260,950 (9.2%) $352,578 (15.9%) 0.00 86
    2021-10-01 $200,500 (-16.3%) $338,054 (9.3%) 0.00 86
    2021-11-01 $176,675 (-26.2%) $297,089 (-4.6%) 0.00 79
    2021-12-01 $180,900 (-23.7%) $285,401 (-13.7%) 0.00 80
    2022-01-01 $229,900 (2.2%) $301,976 (3.0%) 0.00 77
    2022-02-01 $232,925 (5.6%) $311,161 (-0.8%) 0.00 76
    2022-03-01 $237,475 (2.5%) $297,629 (-3.2%) 0.00 76
    2022-04-01 $259,000 (6.8%) $336,897 (3.7%) 0.00 82
    2022-05-01 $261,100 (4.4%) $385,944 (10.2%) 0.00 96
    2022-06-01 $298,225 (31.4%) $411,112 (16.7%) 0.00 110
    2022-07-01 $279,900 (32.0%) $396,758 (12.6%) 0.00 101
    2022-08-01 $282,425 (-2.2%) $380,740 (1.1%) 0.00 96
    2022-09-01 $314,450 (20.5%) $377,771 (7.2%) 0.00 102
    2022-10-01 $338,750 (69.0%) $386,129 (14.2%) 0.00 106
    2022-11-01 $327,350 (85.3%) $374,933 (26.2%) 0.00 92
    2022-12-01 $324,250 (79.2%) $378,301 (32.6%) 0.00 84
    2023-01-01 $299,125 (30.1%) $358,179 (18.6%) 0.00 93
    2023-02-01 $299,250 (28.5%) $357,964 (15.0%) 0.00 82
    2023-03-01 $307,925 (29.7%) $403,256 (35.5%) 0.00 79
    2023-04-01 $299,000 (15.4%) $411,198 (22.1%) 0.00 94
    2023-05-01 $299,000 (14.5%) $434,344 (12.5%) 0.00 85
    2023-06-01 $304,500 (2.1%) $437,189 (6.3%) 0.00 90
    2023-07-01 $249,500 (-10.9%) $387,367 (-2.4%) 0.00 109
    2023-08-01 $275,000 (-2.6%) $397,541 (4.4%) 0.00 109
    2023-09-01 $249,500 (-20.7%) $421,687 (11.6%) 0.00 98
    2023-10-01 $229,900 (-32.1%) $401,230 (3.9%) 0.00 102
    2023-11-01 $235,675 (-28.0%) $425,727 (13.6%) 0.00 102
    2023-12-01 $249,000 (-23.2%) $419,713 (11.0%) 0.00 105
    2024-01-01 $273,425 (-8.6%) $414,258 (15.7%) 0.00 101
    2024-02-01 $296,350 (-1.0%) $443,736 (24.0%) 0.00 114
    2024-03-01 $329,900 (7.1%) $477,814 (18.5%) 0.00 105
    2024-04-01 $334,900 (12.0%) $541,268 (31.6%) 0.00 122
    2024-05-01 $339,900 (13.7%) $598,200 (37.7%) 0.00 123
    2024-06-01 $334,900 (10.0%) $617,997 (41.4%) 0.00 112
    2024-07-01 $323,225 (29.6%) $597,657 (54.3%) 0.00 117
    2024-08-01 $349,900 (27.2%) $623,471 (56.8%) 0.00 124
    2024-09-01 $370,000 (48.3%) $639,304 (51.6%) 0.00 136
    2024-10-01 $381,150 (65.8%) $608,509 (51.7%) 0.00 136
    2024-11-01 $384,900 (63.3%) $612,113 (43.8%) 0.00 134
    2024-12-01 $367,450 (47.6%) $614,864 (46.5%) 0.00 127
    2025-01-01 $344,950 (26.2%) $602,394 (45.4%) 0.00 122
    2025-02-01 $363,000 (22.5%) $601,209 (35.5%) 0.00 127
    2025-03-01 $339,000 (2.8%) $534,294 (11.8%) 0.00 133
    Milledgeville's median listing price for 2025-03-01 was $339,000, a difference of $9,100 (2.8%) versus the prior year and $-24,000 versus the prior month.

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

    Milledgeville's average listing price for 2025-03-01 was $534,294, a difference of $56,480 (11.8%) versus the prior year and $-66,915 versus the prior month.

    For the 2025-03-01 period, Milledgeville had 133 MLS listings, a difference of 6 listings (5%) versus the prior month and 28 listings (27%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Milledgeville (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,941 sqft
    2018-02-01 0 days 2,089 sqft
    2018-03-01 0 days 2,100 sqft
    2018-04-01 0 days 2,095 sqft
    2018-05-01 0 days 2,056 sqft
    2018-06-01 0 days 2,095 sqft
    2018-07-01 0 days 2,095 sqft
    2018-08-01 0 days 1,973 sqft
    2018-09-01 0 days 1,973 sqft
    2018-10-01 0 days 2,030 sqft
    2018-11-01 0 days 2,047 sqft
    2018-12-01 0 days 2,056 sqft
    2019-01-01 0 days 1,982 sqft
    2019-02-01 0 days 1,946 sqft
    2019-03-01 0 days 2,080 sqft
    2019-04-01 0 days 2,316 sqft
    2019-05-01 0 days 2,324 sqft
    2019-06-01 0 days 2,295 sqft
    2019-07-01 0 days 2,295 sqft
    2019-08-01 0 days 2,281 sqft
    2019-09-01 0 days 2,259 sqft
    2019-10-01 0 days 2,221 sqft
    2019-11-01 0 days 2,128 sqft
    2019-12-01 0 days 2,122 sqft
    2020-01-01 0 days 2,185 sqft
    2020-02-01 0 days 2,200 sqft
    2020-03-01 0 days 2,200 sqft
    2020-04-01 0 days 2,157 sqft
    2020-05-01 0 days 2,150 sqft
    2020-06-01 0 days 2,150 sqft
    2020-07-01 0 days 2,175 sqft
    2020-08-01 0 days 2,286 sqft
    2020-09-01 0 days 2,260 sqft
    2020-10-01 0 days 2,324 sqft
    2020-11-01 0 days 2,286 sqft
    2020-12-01 0 days 2,184 sqft
    2021-01-01 0 days 2,150 sqft
    2021-02-01 0 days 2,128 sqft
    2021-03-01 0 days 2,091 sqft
    2021-04-01 0 days 1,903 sqft
    2021-05-01 0 days 1,776 sqft
    2021-06-01 0 days 1,794 sqft
    2021-07-01 0 days 2,000 sqft
    2021-08-01 0 days 2,003 sqft
    2021-09-01 0 days 2,046 sqft
    2021-10-01 0 days 1,927 sqft
    2021-11-01 0 days 1,617 sqft
    2021-12-01 0 days 1,654 sqft
    2022-01-01 0 days 1,776 sqft
    2022-02-01 0 days 1,687 sqft
    2022-03-01 0 days 1,787 sqft
    2022-04-01 0 days 1,800 sqft
    2022-05-01 0 days 1,781 sqft
    2022-06-01 0 days 1,768 sqft
    2022-07-01 0 days 1,800 sqft
    2022-08-01 0 days 1,800 sqft
    2022-09-01 0 days 1,800 sqft
    2022-10-01 0 days 1,916 sqft
    2022-11-01 0 days 1,980 sqft
    2022-12-01 0 days 2,024 sqft
    2023-01-01 0 days 1,916 sqft
    2023-02-01 0 days 1,848 sqft
    2023-03-01 0 days 1,968 sqft
    2023-04-01 0 days 1,788 sqft
    2023-05-01 0 days 1,814 sqft
    2023-06-01 0 days 1,678 sqft
    2023-07-01 0 days 1,597 sqft
    2023-08-01 0 days 1,719 sqft
    2023-09-01 0 days 1,701 sqft
    2023-10-01 0 days 1,599 sqft
    2023-11-01 0 days 1,785 sqft
    2023-12-01 0 days 1,760 sqft
    2024-01-01 0 days 1,791 sqft
    2024-02-01 0 days 2,014 sqft
    2024-03-01 0 days 2,071 sqft
    2024-04-01 0 days 1,985 sqft
    2024-05-01 0 days 2,036 sqft
    2024-06-01 0 days 2,010 sqft
    2024-07-01 0 days 1,977 sqft
    2024-08-01 0 days 2,011 sqft
    2024-09-01 0 days 2,086 sqft
    2024-10-01 0 days 2,108 sqft
    2024-11-01 0 days 2,200 sqft
    2024-12-01 0 days 2,095 sqft
    2025-01-01 0 days 2,091 sqft
    2025-02-01 0 days 2,195 sqft
    2025-03-01 0 days 2,160 sqft
    Milledgeville's median listing age (time on market) for 2025-03-01 was 0 days.

    Milledgeville's median square footage for active listings during the 2025-03-01 period was 2,160 sqft. One year prior, the average listing was 2,071 sqft.

    Milledgeville, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 330 $95,090,000 $288,152
    Refi 97 $29,565,000 $304,794
    Cash Out Refi 74 $16,940,000 $228,919
    Other 47 $7,425,000 $157,979
    Home Improvement 40 $4,040,000 $101,000
    NA 1 $105,000 $105,000

    Milledgeville's most frequently cited loan purpose was Home Purchase, with 330 originations. The 2nd most popular reason was Refi, with 97 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 182 $48,250,000 $265,110
    7-8% 114 $27,700,000 $242,982
    Over 8% 90 $13,360,000 $148,444
    5-6% 73 $22,215,000 $304,315
    <2.5% 9 $95,000 $10,556
    4-5% 7 $9,375,000 $1,339,286
    3-4% 1 $465,000 $465,000

    During 2024, Milledgeville's most frequently originated rate bucket was 6-7%, with 182 originations.

    Loan Sizing (Milledgeville, GA MSA)

    Loan Size Originations Total Value Average Loan
    $200k-400k 192 $52,390,000 $272,865
    $100k-200k 185 $27,265,000 $147,378
    $100,000 or less 128 $7,180,000 $56,094
    $400k-600k 47 $22,115,000 $470,532
    $600k-1000k 25 $18,005,000 $720,200
    $Over $1MM 12 $26,210,000 $2,184,167

    Milledgeville's loan sizing saw the bucket of loans from $200k-400k with 192 originations, totaling $52,390,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 197 $48,165,000 $244,492
    60-80% 127 $39,495,000 $310,984
    40-60% 52 $19,560,000 $376,154
    Under 20% 51 $2,705,000 $53,039
    20-40% 50 $7,010,000 $140,200
    Over 100% 14 $4,650,000 $332,143

    Milledgeville's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 197 originations, totaling $48,165,000 in origination value.