Mortgage Rates in Findlay, Ohio — March 2026
Updated March 2026 | Based on Findlay market data and regional lending conditions
Findlay is a growing city in Ohio with a population of 41,512. The current 30-year fixed mortgage rate in Findlay is 6.64%, which is 0.01% below the national average. With a median home price of $166,000 and a 20% down payment of $33,200, homebuyers can expect a monthly principal and interest payment of approximately $852.
Current Mortgage Rates in Findlay, OH
Below are the current average mortgage rates available in the Findlay 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 | 6.64% | 6.65% | -0.01% |
| 15-Year Fixed | 5.9% | 5.89% | +0.01% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.89% | 6.85% | +0.04% |
Findlay Housing Market Overview
The Findlay housing market offers relatively affordable housing compared to many major cities. The median household income in Findlay is $58,600, and the cost of living index is 90.2 (national average = 100). Based on the 28% affordability rule, the median income in Findlay is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Findlay
Based on the median home price of $166,000 with 20% down ($33,200), here is what you can expect to pay monthly in Findlay:
15-Year vs. 30-Year Mortgage in Findlay
Choosing a 15-year mortgage in Findlay at 5.9% instead of a 30-year at 6.64% would save you $106,380 in total interest over the life of the loan. However, your monthly payment would be $1,113 instead of $852 — an increase of $261 per month.
Calculate Your Findlay 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 Findlay
What are the current mortgage rates in Findlay, OH?
As of March 2026, the average 30-year fixed mortgage rate in Findlay, Ohio is 6.64%, while the 15-year fixed rate is 5.9%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.01% below the national average of 6.65%.
How much is a monthly mortgage payment in Findlay?
Based on the median home price of $166,000 with 20% down, the estimated monthly mortgage payment in Findlay is $852 for principal and interest. Including property taxes of $216/month, the total monthly housing cost is approximately $1,068.
What income do I need to buy a home in Findlay?
Using the 28% rule, you would need an annual income of approximately $45,771 to afford the median-priced home in Findlay at $166,000. The median household income in Findlay is $58,600. The median income is currently sufficient to meet this threshold.
Is Findlay a good place to buy a home in 2026?
Findlay offers a below-average cost of living with a cost of living index of 90.2 (national average = 100). The property tax rate in Ohio is 1.56%, which is above the national average. Findlay has a population of 41,512 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 Findlay, Ohio area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.