Mortgage Rates in Hudson, Ohio — March 2026
Updated March 2026 | Based on Hudson market data and regional lending conditions
Hudson is a growing city in Ohio with a population of 22,262. The current 30-year fixed mortgage rate in Hudson is 6.82%, which is 0.17% above the national average. With a median home price of $161,000 and a 20% down payment of $32,200, homebuyers can expect a monthly principal and interest payment of approximately $841.
Current Mortgage Rates in Hudson, OH
Below are the current average mortgage rates available in the Hudson 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 | 6.82% | 6.65% | +0.17% |
| 15-Year Fixed | 6.04% | 5.89% | +0.15% |
| 5/1 ARM | 6.29% | 6.15% | +0.14% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.07% | 6.85% | +0.22% |
Hudson Housing Market Overview
The Hudson housing market offers relatively affordable housing compared to many major cities. The median household income in Hudson is $53,600, and the cost of living index is 85.3 (national average = 100). Based on the 28% affordability rule, the median income in Hudson is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Hudson
Based on the median home price of $161,000 with 20% down ($32,200), here is what you can expect to pay monthly in Hudson:
15-Year vs. 30-Year Mortgage in Hudson
Choosing a 15-year mortgage in Hudson at 6.04% instead of a 30-year at 6.82% would save you $106,560 in total interest over the life of the loan. However, your monthly payment would be $1,090 instead of $841 — an increase of $249 per month.
Calculate Your Hudson 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 Hudson
What are the current mortgage rates in Hudson, OH?
As of March 2026, the average 30-year fixed mortgage rate in Hudson, Ohio is 6.82%, while the 15-year fixed rate is 6.04%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.17% above the national average of 6.65%.
How much is a monthly mortgage payment in Hudson?
Based on the median home price of $161,000 with 20% down, the estimated monthly mortgage payment in Hudson is $841 for principal and interest. Including property taxes of $208/month, the total monthly housing cost is approximately $1,049.
What income do I need to buy a home in Hudson?
Using the 28% rule, you would need an annual income of approximately $44,957 to afford the median-priced home in Hudson at $161,000. The median household income in Hudson is $53,600. The median income is currently sufficient to meet this threshold.
Is Hudson a good place to buy a home in 2026?
Hudson offers a below-average cost of living with a cost of living index of 85.3 (national average = 100). The property tax rate in Ohio is 1.55%, which is above the national average. Hudson has a population of 22,262 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 Hudson, Ohio area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.