Mortgage Rates in Cuyahoga Falls, Ohio — March 2026
Updated March 2026 | Based on Cuyahoga Falls market data and regional lending conditions
Cuyahoga Falls is a growing city in Ohio with a population of 49,247. The current 30-year fixed mortgage rate in Cuyahoga Falls is 6.9%, which is 0.25% above the national average. With a median home price of $195,000 and a 20% down payment of $39,000, homebuyers can expect a monthly principal and interest payment of approximately $1,027.
Current Mortgage Rates in Cuyahoga Falls, OH
Below are the current average mortgage rates available in the Cuyahoga Falls area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.9% | 6.65% | +0.25% |
| 15-Year Fixed | 6.11% | 5.89% | +0.22% |
| 5/1 ARM | 6.34% | 6.15% | +0.19% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.15% | 6.85% | +0.3% |
Cuyahoga Falls Housing Market Overview
The Cuyahoga Falls housing market offers relatively affordable housing compared to many major cities. The median household income in Cuyahoga Falls is $51,100, and the cost of living index is 85.7 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $55,457 to comfortably afford the median-priced home in Cuyahoga Falls, which exceeds the current median household income.
Monthly Payment Breakdown for Cuyahoga Falls
Based on the median home price of $195,000 with 20% down ($39,000), here is what you can expect to pay monthly in Cuyahoga Falls:
15-Year vs. 30-Year Mortgage in Cuyahoga Falls
Choosing a 15-year mortgage in Cuyahoga Falls at 6.11% instead of a 30-year at 6.9% would save you $131,040 in total interest over the life of the loan. However, your monthly payment would be $1,326 instead of $1,027 — an increase of $299 per month.
Calculate Your Cuyahoga Falls Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Cuyahoga Falls
What are the current mortgage rates in Cuyahoga Falls, OH?
As of March 2026, the average 30-year fixed mortgage rate in Cuyahoga Falls, Ohio is 6.9%, while the 15-year fixed rate is 6.11%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.25% above the national average of 6.65%.
How much is a monthly mortgage payment in Cuyahoga Falls?
Based on the median home price of $195,000 with 20% down, the estimated monthly mortgage payment in Cuyahoga Falls is $1,027 for principal and interest. Including property taxes of $267/month, the total monthly housing cost is approximately $1,294.
What income do I need to buy a home in Cuyahoga Falls?
Using the 28% rule, you would need an annual income of approximately $55,457 to afford the median-priced home in Cuyahoga Falls at $195,000. The median household income in Cuyahoga Falls is $51,100. This means most households would need to either earn above the median or consider homes below $195,000.
Is Cuyahoga Falls a good place to buy a home in 2026?
Cuyahoga Falls offers a below-average cost of living with a cost of living index of 85.7 (national average = 100). The property tax rate in Ohio is 1.64%, which is above the national average. Cuyahoga Falls has a population of 49,247 and offers a very affordable lifestyle.
Mortgage Rates in Other Ohio Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Cuyahoga Falls, Ohio area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.