Mortgage Rates in Ironton, Ohio — March 2026
Updated March 2026 | Based on Ironton market data and regional lending conditions
Ironton is a growing city in Ohio with a population of 10,796. The current 30-year fixed mortgage rate in Ironton is 6.82%, which is 0.17% above the national average. With a median home price of $146,000 and a 20% down payment of $29,200, homebuyers can expect a monthly principal and interest payment of approximately $763.
Current Mortgage Rates in Ironton, OH
Below are the current average mortgage rates available in the Ironton 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% |
Ironton Housing Market Overview
The Ironton housing market offers relatively affordable housing compared to many major cities. The median household income in Ironton is $54,100, and the cost of living index is 83.4 (national average = 100). Based on the 28% affordability rule, the median income in Ironton is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Ironton
Based on the median home price of $146,000 with 20% down ($29,200), here is what you can expect to pay monthly in Ironton:
15-Year vs. 30-Year Mortgage in Ironton
Choosing a 15-year mortgage in Ironton at 6.04% instead of a 30-year at 6.82% would save you $96,840 in total interest over the life of the loan. However, your monthly payment would be $988 instead of $763 — an increase of $225 per month.
Calculate Your Ironton 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 Ironton
What are the current mortgage rates in Ironton, OH?
As of March 2026, the average 30-year fixed mortgage rate in Ironton, 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 Ironton?
Based on the median home price of $146,000 with 20% down, the estimated monthly mortgage payment in Ironton is $763 for principal and interest. Including property taxes of $201/month, the total monthly housing cost is approximately $964.
What income do I need to buy a home in Ironton?
Using the 28% rule, you would need an annual income of approximately $41,314 to afford the median-priced home in Ironton at $146,000. The median household income in Ironton is $54,100. The median income is currently sufficient to meet this threshold.
Is Ironton a good place to buy a home in 2026?
Ironton offers a below-average cost of living with a cost of living index of 83.4 (national average = 100). The property tax rate in Ohio is 1.65%, which is above the national average. Ironton has a population of 10,796 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 Ironton, Ohio area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.