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As of May 2025, Georgia’s mortgage industry is navigating a landscape shaped by elevated interest rates, modest home price growth, and evolving affordability challenges. Here’s an overview of the current state:
📉 Mortgage Rates & Affordability
Mortgage rates in Georgia remain elevated. As of May 1, 2025, the average 30-year fixed mortgage rate is approximately 6.56%, while the 15-year fixed rate stands at about 5.69% . These rates, though slightly lower than earlier peaks, continue to impact affordability for prospective buyers.Bankrate
For veterans, the Georgia Dream Peach Select Veterans Assistance Loan Program offers a more favorable 30-year fixed rate of 5.000% .Georgia Department of Community Affairs+1Georgia Department of Community Affairs+1
🏘️ Housing Market Trends
The Georgia housing market is experiencing modest growth. As of March 2025, the average home value is $329,110, reflecting a 0.3% increase over the past year . In metro Atlanta, home price growth has slowed significantly over the last three years, largely due to high mortgage rates dampening demand .Real WealthZillowAxios
Forecasts suggest that mortgage rates in 2025 will stay elevated, possibly around 6%. If both rates and housing inventory remain unchanged, home prices are expected to stagnate .Axios
🏦 Lending & Refinance Activity
Refinance activity in Georgia has been subdued due to the high-interest-rate environment. However, some homeowners are exploring refinancing options as rates show signs of stabilizing. First-time buyers and those with strong credit profiles are finding opportunities, especially with the assistance of state and local programs aimed at improving affordability.
The Georgia Mortgage Assistance Refinance Loan Program offers low-interest, long-term refinancing solutions for homeowners impacted by the pandemic .Georgia HAF Portal+2Georgia Department of Community Affairs+2Georgia Department of Community Affairs+2
⚖️ Policy & Affordability Challenges
Affordability remains a significant challenge in Georgia’s housing market. While home prices have increased modestly, the combination of elevated mortgage rates and rising property values has strained budgets for many buyers. Efforts to address these challenges include proposed legislation to support affordable housing development and initiatives to assist first-time homebuyers.
🔮 Outlook
Looking ahead, Georgia’s mortgage industry is expected to continue its path toward stabilization. While mortgage rates are projected to decline gradually, affordability challenges may persist, particularly for first-time buyers. The increase in inventory and a more balanced market offer opportunities for buyers to negotiate better terms. However, regional variations will continue to influence market dynamics, with some areas experiencing more significant changes than others.
