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Compare Augusta, GA mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Augusta.
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Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Compare Today's Augusta, GA Mortgage Rates
February 9, 2023
Current mortgage rates in Augusta, GA are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)
Mortgage Program
Today's Augusta, GA Rates
National Average
Comparison
30 Year Fixed Rate
%
6.090%
15 Year Fixed Rate
%
5.140%
5/1 Adjustable Rate Mortgage
%
5.125%
How Affordable is Housing in Augusta, Georgia?
Below we provide helpful information on the real estate market, home prices and housing affordability in Augusta. Understand how much you need to earn to afford a home in Augusta, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Augusta fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Augusta is right for you.
The median home value for Augusta, GA (Richmond County) is $154,380
Based on current mortgage rates and a 10% down payment, you need to make $25,295 per year to buy the median priced home in Augusta
With this income, you could qualify for a $138,942 mortgage, assuming your monthly debt expense is reasonable
Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Augusta is $586
The median household income for Augusta, GA (Richmond County) is $48,610
Based on this income, you can afford a home valued at approximately $296,681
The home price you can afford to buy based on household income in Augusta is 192% of the median home value which means housing prices are average.
Augusta (Richmond County) ranks 94 out of 159 counties in Georgia and 1,892 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Augusta, GA is average
Loan Limits for Augusta, Georgia
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Augusta (Richmond County) below.
Conforming loan limits for Augusta, GA
1 unit:$647,200
2 units:$828,700
3 units:$1,001,650
4 units:$1,244,850
FHA loan limits for Augusta, GA
1 unit:$420,680
2 units:$538,650
3 units:$651,050
4 units:$809,150
VA loan limits for Augusta, GA
1 unit:$647,200
Additional Mortgage Resources for Augusta, GA Residents