Mortgage Rates in Ohio — March 2026
Compare current mortgage rates across 6 cities in Ohio. The average 30-year fixed rate is 6.73%, which is 0.08% above the national average of 6.65%.
Ohio Housing Highlights
All 6 Cities in Ohio
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Columbus | 6.73% | $235,000 | $1,217 | 905,748 |
| Cleveland | 6.73% | $105,000 | $544 | 372,624 |
| Cincinnati | 6.73% | $195,000 | $1,010 | 309,317 |
| Toledo | 6.73% | $115,000 | $595 | 270,871 |
| Akron | 6.73% | $105,000 | $544 | 190,469 |
| Dayton | 6.73% | $95,000 | $492 | 137,644 |
Ohio Mortgage Rates Guide — 2026
Ohio homebuyers currently see an average 30-year fixed mortgage rate of 6.73%, with median home prices around $141,667. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $734.
The most affordable city for homebuyers in Ohio is Dayton, where the median home price is $95,000. On the other end, Columbus has the highest prices at $235,000. Property tax rates across the state average 1.56%.
To comfortably afford a home at the state average price, a household income of approximately $31,457 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — Ohio Mortgages
What are current mortgage rates in Ohio?
As of March 2026, the average 30-year fixed mortgage rate in Ohio is 6.73% and the 15-year fixed rate averages 5.97%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Ohio?
The median home price across 6 cities in Ohio is $141,667. Prices range from $95,000 in Dayton to $235,000 in Columbus.
How much income do I need to buy a house in Ohio?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $31,457 to comfortably afford the average home in Ohio. The median household income in the state is approximately $39,253.
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