Mortgage Rates in Kettering, Ohio — March 2026
Updated March 2026 | Based on Kettering market data and regional lending conditions
Kettering is a growing city in Ohio with a population of 57,862. The current 30-year fixed mortgage rate in Kettering is 6.66%, which is 0.01% above the national average. With a median home price of $190,000 and a 20% down payment of $38,000, homebuyers can expect a monthly principal and interest payment of approximately $977.
Current Mortgage Rates in Kettering, OH
Below are the current average mortgage rates available in the Kettering 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 | 6.66% | 6.65% | +0.01% |
| 15-Year Fixed | 5.92% | 5.89% | +0.03% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.91% | 6.85% | +0.06% |
Kettering Housing Market Overview
The Kettering housing market offers relatively affordable housing compared to many major cities. The median household income in Kettering is $56,000, and the cost of living index is 84.8 (national average = 100). Based on the 28% affordability rule, the median income in Kettering is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Kettering
Based on the median home price of $190,000 with 20% down ($38,000), here is what you can expect to pay monthly in Kettering:
15-Year vs. 30-Year Mortgage in Kettering
Choosing a 15-year mortgage in Kettering at 5.92% instead of a 30-year at 6.66% would save you $122,040 in total interest over the life of the loan. However, your monthly payment would be $1,276 instead of $977 — an increase of $299 per month.
Calculate Your Kettering 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 Kettering
What are the current mortgage rates in Kettering, OH?
As of March 2026, the average 30-year fixed mortgage rate in Kettering, Ohio is 6.66%, while the 15-year fixed rate is 5.92%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.01% above the national average of 6.65%.
How much is a monthly mortgage payment in Kettering?
Based on the median home price of $190,000 with 20% down, the estimated monthly mortgage payment in Kettering is $977 for principal and interest. Including property taxes of $242/month, the total monthly housing cost is approximately $1,219.
What income do I need to buy a home in Kettering?
Using the 28% rule, you would need an annual income of approximately $52,243 to afford the median-priced home in Kettering at $190,000. The median household income in Kettering is $56,000. The median income is currently sufficient to meet this threshold.
Is Kettering a good place to buy a home in 2026?
Kettering offers a below-average cost of living with a cost of living index of 84.8 (national average = 100). The property tax rate in Ohio is 1.53%, which is above the national average. Kettering has a population of 57,862 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 Kettering, Ohio area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.