Mortgage Rates in Heath, Ohio — March 2026
Updated March 2026 | Based on Heath market data and regional lending conditions
Heath is a growing city in Ohio with a population of 10,310. The current 30-year fixed mortgage rate in Heath is 6.85%, which is 0.2% above the national average. With a median home price of $154,000 and a 20% down payment of $30,800, homebuyers can expect a monthly principal and interest payment of approximately $807.
Current Mortgage Rates in Heath, OH
Below are the current average mortgage rates available in the Heath 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 | 6.85% | 6.65% | +0.2% |
| 15-Year Fixed | 6.07% | 5.89% | +0.18% |
| 5/1 ARM | 6.31% | 6.15% | +0.16% |
| FHA | 6.55% | 6.25% | +0.3% |
| VA | 6.3% | 6.05% | +0.25% |
| Jumbo | 7.1% | 6.85% | +0.25% |
Heath Housing Market Overview
The Heath housing market offers relatively affordable housing compared to many major cities. The median household income in Heath is $48,600, and the cost of living index is 85.8 (national average = 100). Based on the 28% affordability rule, the median income in Heath is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Heath
Based on the median home price of $154,000 with 20% down ($30,800), here is what you can expect to pay monthly in Heath:
15-Year vs. 30-Year Mortgage in Heath
Choosing a 15-year mortgage in Heath at 6.07% instead of a 30-year at 6.85% would save you $102,600 in total interest over the life of the loan. However, your monthly payment would be $1,044 instead of $807 — an increase of $237 per month.
Calculate Your Heath 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 Heath
What are the current mortgage rates in Heath, OH?
As of March 2026, the average 30-year fixed mortgage rate in Heath, Ohio is 6.85%, while the 15-year fixed rate is 6.07%. FHA loans average 6.55% and VA loans 6.3%. These rates are 0.2% above the national average of 6.65%.
How much is a monthly mortgage payment in Heath?
Based on the median home price of $154,000 with 20% down, the estimated monthly mortgage payment in Heath is $807 for principal and interest. Including property taxes of $203/month, the total monthly housing cost is approximately $1,010.
What income do I need to buy a home in Heath?
Using the 28% rule, you would need an annual income of approximately $43,286 to afford the median-priced home in Heath at $154,000. The median household income in Heath is $48,600. The median income is currently sufficient to meet this threshold.
Is Heath a good place to buy a home in 2026?
Heath offers a below-average cost of living with a cost of living index of 85.8 (national average = 100). The property tax rate in Ohio is 1.58%, which is above the national average. Heath has a population of 10,310 and offers a very affordable lifestyle.
Mortgage Rates in Other Ohio Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Heath, Ohio area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.