Waycross Mortgage Rates & Closing Costs

  • JUMP TO:
  • Trends
  • Rates vs. Fees
  • Top Lenders
  • Market Share
  • Market Conditions & Pricing
  • Time on Market/Property Size
  • Loan Attributes
    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Waycross averaged 6.85% 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 6.76% and one month ago for the week of 2025-02-27, the average rate was 6.97%.

    Waycross's average rate one year ago was 7.2%.

    For refis of the same type during the week of 2025-04-03, the average rate was 6.84%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Waycross 30 Year Fixed Rate 2025-04-03 6.85%
    Waycross 30 Year Fixed Rate Refi 2025-04-03 6.84%
    Waycross 15 Year Fixed Rate 2025-04-03 5.72%
    Waycross 15 Year Fixed Rate Refi 2025-04-03 5.82%
    Waycross 30 Year FHA 2025-04-03 6.31%
    Waycross 30 Year FHA Refi 2025-04-03 6.46%
    Waycross 30 Year USDA 2025-04-03 6.12%
    Waycross 30 Year USDA Refi 2025-04-03 6.52%
    Waycross 30 Year VA 2025-04-03 6.34%
    Waycross 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 Waycross, GA.

    Waycross 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 Waycross, 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
    UNITED WHOLESALE MORTGAGE, LLC 39 6.56% $5,518
    QUICKEN LOANS, LLC 33 6.80% $5,331
    NAVY FEDERAL CREDIT UNION 5 7.05% $4,071
    CMG MORTGAGE, INC. 4 6.44% $7,245
    SOUTHEASTERN Credit Union 3 7.92% $1,878
    PrimeSouth Bank 3 7.37% $7,116
    Ameris Bank 3 6.63% $5,323
    GUARANTEED RATE, INC. 3 6.67% $6,341
    U.S. Bank 3 6.46% $2,960
    VANDERBILT MORTGAGE AND FINANCE, INC. 3 8.00% $6,802
    PREMIER MORTGAGE RESOURCES, L.L.C. 2 6.69% $3,620
    PENNYMAC LOAN SERVICES, LLC 2 6.50% $9,487
    Flagstar Bank, FSB 2 6.75% $6,647
    NEWREZ LLC 2 6.75% $5,659
    Wells Fargo Bank 2 7.13% $4,100
    United Community Bank 2 7.13% $4,669
    INTERSTATE UNLIMITED Federal Credit Union 2 8.00% $4,210
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 7.25% $6,157
    JPMorgan Chase Bank 2 6.38% $1,350
    Renasant Bank 2 6.81% $7,015
    PROVIDENT FUNDING ASSOCIATES, L.P. 1 6.88% $3,781
    Regions Bank 1 6.88% $3,375
    STOCKTON MORTGAGE CORPORATION 1 6.63% $7,957
    SWBC MORTGAGE CORPORATION 1 7.63% $4,075
    TOWNE MORTGAGE COMPANY 1 6.63% $4,098
    Truist 1 6.99% $3,730
    PNC Bank 1 7.25% $3,464
    Bank of America 1 6.88% $10,201
    CANOPY MORTGAGE, LLC 1 6.99% $6,467
    Capital City Home Loans, LLC 1 6.88% $4,215
    COMMUNITY FIRST CREDIT UNION OF FLO 1 6.50% $3,654
    CROSSCOUNTRY MORTGAGE, LLC 1 6.58% $4,775
    EASTMAN 1 6.38% $4,875
    Equity Prime Mortgage LLC 1 7.50% $5,647
    FAIRWINDS CREDIT UNION 1 6.50% $3,568
    First Horizon Bank 1 6.63% $4,574
    Flanagan State Bank 1 7.00% $2,464
    GEORGIA'S OWN 1 6.88% $3,666
    GUARANTY MORTGAGE SERVICES, L.L.C. 1 6.99% $5,976
    GUILD MORTGAGE COMPANY 1 7.99% $5,369
    HOMESIDE FINANCIAL, LLC 1 7.00% $3,400
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.99% $4,954
    Notre Dame Federal Credit Union Corporation 1 8.13% $5,946
    Paramount Residential Mortgage Group, Inc. 1 5.50% $6,771
    21ST MORTGAGE CORPORATION 1 8.30% $5,956
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 6.75% $7,345

    Waycross Average Closing Costs & Other Stats

    Waycross, GA's 46 lenders originated 827 loans during 2024. The total origination value was $174,735,000, with an average loan value of $211,288.

    Waycross's average closing costs are $5,371.

    The top Waycross lender as defined by loan originations is UNITED WHOLESALE MORTGAGE, LLC, with 39 loans originated. Their average total fees are $5,518, which is $187 higher than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Waycross lenders (with over 10 loans originated) are QUICKEN LOANS, LLC ($5,331), UNITED WHOLESALE MORTGAGE, LLC ($5,518), .

    The lowest rate Waycross lenders (with over 10 loans originated) are UNITED WHOLESALE MORTGAGE, LLC (6.56%), QUICKEN LOANS, LLC (6.80%), .

    Waycross, 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
    UNITED WHOLESALE MORTGAGE, LLC $20,265,000 $22,840,000 12.7% 13.1%
    Wells Fargo Bank $22,420,000 n/a 12.8%
    Renasant Bank $11,640,000 $17,980,000 54.5% 10.3%
    QUICKEN LOANS, LLC $13,550,000 $14,080,000 3.9% 8.1%
    PrimeSouth Bank $12,760,000 $11,765,000 -7.8% 6.7%
    Mortgage Research Center, LLC $6,430,000 $5,580,000 -13.2% 3.2%
    BELLWETHER ENTERPRISE REAL ESTATE CAPITAL, LLC $5,005,000 n/a 2.9%
    CMG MORTGAGE, INC. $975,000 $3,695,000 279.0% 2.1%
    FREEDOM MORTGAGE CORPORATION $835,000 $3,405,000 307.8% 1.9%
    GUARANTEED RATE, INC. $3,540,000 $3,105,000 -12.3% 1.8%
    SOUTHEASTERN Credit Union $2,445,000 $3,020,000 23.5% 1.7%
    Ameris Bank $2,960,000 $2,790,000 -5.7% 1.6%
    21ST MORTGAGE CORPORATION $2,340,000 $2,200,000 -6.0% 1.3%
    PENNYMAC LOAN SERVICES, LLC $3,270,000 $2,025,000 -38.1% 1.2%
    Pineland Bank $2,025,000 n/a 1.2%
    NAVY FEDERAL CREDIT UNION $1,760,000 $1,925,000 9.4% 1.1%
    TOWNE MORTGAGE COMPANY $740,000 $1,870,000 152.7% 1.1%
    VILLAGE CAPITAL MORTGAGE $285,000 $1,545,000 442.1% 0.9%
    Equity Prime Mortgage LLC $720,000 $1,450,000 101.4% 0.8%
    BROKER SOLUTIONS, INC. $1,105,000 $1,435,000 29.9% 0.8%
    NEWREZ LLC $585,000 $1,290,000 120.5% 0.7%
    Truist $2,480,000 $1,240,000 -50.0% 0.7%
    Keystone Funding, Inc. $225,000 $1,215,000 440.0% 0.7%
    Paramount Residential Mortgage Group, Inc. $1,190,000 $1,190,000 0.0% 0.7%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $485,000 $1,130,000 133.0% 0.6%
    AgFirst Farm Credit Bank $1,400,000 $1,000,000 -28.6% 0.6%
    CARDINAL FINANCIAL $1,380,000 $880,000 -36.2% 0.5%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $1,010,000 $880,000 -12.9% 0.5%
    GEORGIA'S OWN $725,000 $795,000 9.7% 0.5%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,370,000 $770,000 -43.8% 0.4%
    U.S. Bank $760,000 n/a 0.4%
    United Community Bank $445,000 $745,000 67.4% 0.4%
    Southeastern Bank $105,000 $740,000 604.8% 0.4%
    CROSSCOUNTRY MORTGAGE, LLC $470,000 $705,000 50.0% 0.4%
    LOANDEPOT.COM, LLC $1,410,000 $705,000 -50.0% 0.4%
    Flagstar Bank, FSB $700,000 n/a 0.4%
    MILEND, INC. $410,000 $675,000 64.6% 0.4%
    SOUTHWEST STAGE FUNDING, LLC $145,000 $630,000 334.5% 0.4%
    Century Mortgage Company DBA Century Lending Company $615,000 n/a 0.4%
    DIAMOND RESIDENTIAL MORTGAGE CORPORATION $1,725,000 $605,000 -64.9% 0.3%
    MUTUAL OF OMAHA MORTGAGE, INC. $490,000 $605,000 23.5% 0.3%
    AMERICAN FINANCING CORPORATION $580,000 n/a 0.3%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $1,695,000 $570,000 -66.4% 0.3%
    Mid-Continent Funding, Inc. $480,000 $560,000 16.7% 0.3%
    AMERICAN FINANCIAL NETWORK, INC. $240,000 $525,000 118.8% 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $370,000 $525,000 41.9% 0.3%
    Bank of America $240,000 $510,000 112.5% 0.3%
    PLANET HOME LENDING, LLC $510,000 n/a 0.3%
    ACOPIA, LLC $495,000 n/a 0.3%
    Barrington Bank & Trust Company, N.A. $475,000 $480,000 1.1% 0.3%
    AMERISAVE MORTGAGE CORPORATION $665,000 $460,000 -30.8% 0.3%
    SUN WEST MORTGAGE COMPANY, INC. $460,000 n/a 0.3%
    MEMBER FIRST MORTGAGE, LLC $85,000 $450,000 429.4% 0.3%
    Figure Lending LLC $90,000 $435,000 383.3% 0.2%
    First-Citizens Bank & Trust Company $45,000 $425,000 844.4% 0.2%
    The Loan Store, Inc. $400,000 n/a 0.2%
    BANKSOUTH MORTGAGE COMPANY, LLC $385,000 n/a 0.2%
    INTERSTATE UNLIMITED Federal Credit Union $265,000 $385,000 45.3% 0.2%
    USAA Federal Savings Bank $645,000 $385,000 -40.3% 0.2%
    Presidential Bank, FSB $360,000 n/a 0.2%
    1ST SIGNATURE LENDING, LLC $245,000 $355,000 44.9% 0.2%
    EMM LOANS LLC $345,000 n/a 0.2%
    Carrington Mortgage Services, LLC $665,000 $325,000 -51.1% 0.2%
    CLEARPATH LENDING $265,000 $325,000 22.6% 0.2%
    PREMIER MORTGAGE RESOURCES, L.L.C. $320,000 n/a 0.2%
    South Georgia Bank $95,000 $320,000 236.8% 0.2%
    PROVIDENT FUNDING ASSOCIATES, L.P. $305,000 n/a 0.2%
    Discover Bank $140,000 $300,000 114.3% 0.2%
    PNC Bank $865,000 $290,000 -66.5% 0.2%
    JPMorgan Chase Bank $390,000 $280,000 -28.2% 0.2%
    ZILLOW HOME LOANS, LLC $155,000 $280,000 80.6% 0.2%
    EASTMAN $55,000 $275,000 400.0% 0.2%
    STOCKTON MORTGAGE CORPORATION $145,000 $270,000 86.2% 0.2%
    Magnolia Bank $440,000 $265,000 -39.8% 0.2%
    CANOPY MORTGAGE, LLC $255,000 n/a 0.1%
    TOP FLITE FINANCIAL, INC. $355,000 $250,000 -29.6% 0.1%
    COMMUNITY FIRST CREDIT UNION OF FLO $245,000 n/a 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $245,000 n/a 0.1%
    SWBC MORTGAGE CORPORATION $235,000 n/a 0.1%
    LIBERTY HOME MORTGAGE CORPORATION $225,000 n/a 0.1%
    First Horizon Bank $215,000 n/a 0.1%
    NORWICH COMMERCIAL GROUP, INC. $215,000 n/a 0.1%
    Farmers & Merchants Bank $40,000 $210,000 425.0% 0.1%
    GUARANTY MORTGAGE SERVICES, L.L.C. $205,000 n/a 0.1%
    VERITAS FUNDING, LLC $205,000 n/a 0.1%
    Exchange Bank $195,000 n/a 0.1%
    FAIRWINDS CREDIT UNION $195,000 n/a 0.1%
    MID AMERICA MORTGAGE, INC. $190,000 n/a 0.1%
    AMERITRUST MORTGAGE CORPORATION $185,000 n/a 0.1%
    A&D Mortgage LLC $175,000 n/a 0.1%
    BancorpSouth $175,000 n/a 0.1%
    MOVEMENT MORTGAGE, LLC $175,000 $175,000 0.0% 0.1%
    Plains Commerce Bank $825,000 $175,000 -78.8% 0.1%
    Capital City Home Loans, LLC $655,000 $165,000 -74.8% 0.1%
    TRIAD FINANCIAL SERVICES, INC. $165,000 n/a 0.1%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $160,000 n/a 0.1%
    AXIA FINANCIAL, LLC $155,000 n/a 0.1%
    PHH Mortgage Corporation $155,000 n/a 0.1%
    Third Federal Savings and Loan Association of Cleveland $65,000 $155,000 138.5% 0.1%
    SOUTHEAST MORTGAGE OF GEORGIA, INC. $150,000 n/a 0.1%
    FIRST NATIONAL BANK OF COFFEE COUNTY $120,000 $145,000 20.8% 0.1%
    Flanagan State Bank $145,000 n/a 0.1%
    RELIANCE FIRST CAPITAL, LLC $145,000 n/a 0.1%
    Blue Ridge Bank $85,000 $135,000 58.8% 0.1%
    Regions Bank $135,000 n/a 0.1%
    VELOCITY COMMERCIAL CAPITAL, LLC $135,000 n/a 0.1%
    Fifth Third Bank $55,000 $125,000 127.3% 0.1%
    Notre Dame Federal Credit Union Corporation $130,000 $115,000 -11.5% 0.1%
    Glennville Bank $105,000 n/a 0.1%
    GUILD MORTGAGE COMPANY $185,000 $105,000 -43.2% 0.1%
    CALCON MUTUAL MORTGAGE LLC $95,000 n/a 0.1%
    LOANPAL, LLC $95,000 n/a 0.1%
    SUMMIT FUNDING, INC. $205,000 $85,000 -58.5% 0.0%
    ATLANTA POSTAL $75,000 n/a 0.0%
    HOMESIDE FINANCIAL, LLC $265,000 $75,000 -71.7% 0.0%
    LENDINGHOME FUNDING CORPORATION $210,000 $75,000 -64.3% 0.0%
    Guardian Bank $45,000 n/a 0.0%
    SPRING EQ, LLC $45,000 $45,000 0.0% 0.0%
    Bethpage Federal Credit Union $35,000 n/a 0.0%
    The First, A National Banking Association $75,000 $25,000 -66.7% 0.0%

    Waycross's top lender by overall market share is UNITED WHOLESALE MORTGAGE, LLC, with 13.1% market share. In second place, with 12.8%, is Wells Fargo Bank, having originated $22,420,000 in loans. In third place, with 10.3%, is Renasant Bank, having originated $17,980,000 in loans. In fourth place, with 8.1%, is QUICKEN LOANS, LLC, having originated $14,080,000 in loans. In fifth place, with 6.7%, is PrimeSouth Bank, having originated $11,765,000 in loans.

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

    Realtor.com - Waycross (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 $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%) $287,880 (-7.8%) 0.00 149
    2024-06-01 $235,000 (2.4%) $281,443 (-8.2%) 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
    2024-12-01 $226,000 (9.2%) $271,101 (6.4%) 0.00 176
    2025-01-01 $231,200 (12.8%) $290,609 (16.9%) 0.00 169
    2025-02-01 $224,950 (12.8%) $284,385 (14.3%) 0.00 196
    2025-03-01 $246,990 (20.5%) $297,932 (19.4%) 0.00 205
    Waycross's median listing price for 2025-03-01 was $246,990, a difference of $41,990 (20.5%) versus the prior year and $22,040 versus the prior month.

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

    Waycross's average listing price for 2025-03-01 was $297,932, a difference of $48,464 (19.4%) versus the prior year and $13,547 versus the prior month.

    For the 2025-03-01 period, Waycross had 205 MLS listings, a difference of 9 listings (5%) versus the prior month and 77 listings (60%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Waycross (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date 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 2,029 sqft
    2019-03-01 0 days 2,035 sqft
    2019-04-01 0 days 2,037 sqft
    2019-05-01 0 days 2,043 sqft
    2019-06-01 0 days 2,054 sqft
    2019-07-01 0 days 2,053 sqft
    2019-08-01 0 days 2,047 sqft
    2019-09-01 0 days 2,124 sqft
    2019-10-01 0 days 2,182 sqft
    2019-11-01 0 days 2,150 sqft
    2019-12-01 0 days 2,133 sqft
    2020-01-01 0 days 2,160 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 1,823 sqft
    2021-10-01 0 days 1,854 sqft
    2021-11-01 0 days 1,810 sqft
    2021-12-01 0 days 1,832 sqft
    2022-01-01 0 days 1,933 sqft
    2022-02-01 0 days 1,844 sqft
    2022-03-01 0 days 1,906 sqft
    2022-04-01 0 days 1,965 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 1,835 sqft
    2024-06-01 0 days 1,785 sqft
    2024-07-01 0 days 1,679 sqft
    2024-08-01 0 days 1,685 sqft
    2024-09-01 0 days 1,685 sqft
    2024-10-01 0 days 1,656 sqft
    2024-11-01 0 days 1,682 sqft
    2024-12-01 0 days 1,724 sqft
    2025-01-01 0 days 1,796 sqft
    2025-02-01 0 days 1,781 sqft
    2025-03-01 0 days 1,811 sqft
    Waycross's median listing age (time on market) for 2025-03-01 was 0 days.

    Waycross's median square footage for active listings during the 2025-03-01 period was 1,811 sqft. One year prior, the average listing was 1,760 sqft.

    Waycross, GA Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 435 $80,275,000 $184,540
    Refi 167 $62,515,000 $374,341
    Cash Out Refi 111 $18,075,000 $162,838
    Home Improvement 68 $5,060,000 $74,412
    Other 45 $3,805,000 $84,556
    NA 1 $5,005,000 $5,005,000

    Waycross's most frequently cited loan purpose was Home Purchase, with 435 originations. The 2nd most popular reason was Refi, with 167 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 294 $57,510,000 $195,612
    Over 8% 224 $20,380,000 $90,982
    7-8% 132 $37,560,000 $284,545
    5-6% 103 $44,745,000 $434,417
    <2.5% 6 $40,000 $6,667
    4-5% 3 $615,000 $205,000

    During 2024, Waycross's most frequently originated rate bucket was 6-7%, with 294 originations.

    Loan Sizing (Waycross, GA MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 306 $45,500,000 $148,693
    $100,000 or less 285 $16,545,000 $58,053
    $200k-400k 201 $53,095,000 $264,154
    $400k-600k 27 $12,385,000 $458,704
    $Over $1MM 5 $45,205,000 $9,041,000
    $600k-1000k 3 $2,005,000 $668,333

    Waycross's loan sizing saw the bucket of loans from $100k-200k with 306 originations, totaling $45,500,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 327 $67,755,000 $207,202
    60-80% 154 $45,020,000 $292,338
    20-40% 111 $8,405,000 $75,721
    40-60% 85 $30,555,000 $359,471
    Under 20% 58 $2,100,000 $36,207
    Over 100% 17 $4,065,000 $239,118

    Waycross's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 327 originations, totaling $67,755,000 in origination value.