Mortgage Rates in Ohio — April 2026
Compare current mortgage rates across 132 cities in Ohio. The average 30-year fixed rate is 6.71%, which is 0.62% above the national average of 6.09%.
Ohio Housing Highlights
All 132 Cities in Ohio
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Columbus | 6.73% | $335,000 | $1,735 | 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 |
| Parma | 6.66% | $170,000 | $874 | 79,167 |
| Canton | 6.76% | $203,000 | $1,054 | 70,872 |
| Lorain | 6.81% | $209,000 | $1,091 | 65,211 |
| Hamilton | 6.82% | $211,000 | $1,103 | 62,093 |
| Youngstown | 6.81% | $177,000 | $924 | 60,068 |
| Springfield | 6.88% | $207,000 | $1,088 | 58,662 |
| Kettering | 6.66% | $190,000 | $977 | 57,862 |
| Elyria | 6.63% | $197,000 | $1,010 | 53,775 |
| Lakewood | 6.84% | $179,000 | $937 | 50,942 |
| Newark | 6.73% | $192,000 | $994 | 49,934 |
| Dublin | 6.79% | $195,000 | $1,016 | 49,328 |
| Cuyahoga Falls | 6.9% | $195,000 | $1,027 | 49,247 |
| Middletown | 6.82% | $183,000 | $956 | 48,680 |
| Euclid | 6.87% | $185,000 | $972 | 46,992 |
| Mentor | 6.66% | $158,000 | $812 | 46,721 |
| Beavercreek | 6.84% | $197,000 | $1,032 | 46,549 |
| Mansfield | 6.72% | $186,000 | $962 | 46,454 |
| Strongsville | 6.68% | $174,000 | $896 | 44,730 |
| Fairfield | 6.62% | $179,000 | $916 | 42,510 |
| Grove City | 6.68% | $176,000 | $907 | 41,820 |
| Delaware | 6.68% | $173,000 | $891 | 41,555 |
| Findlay | 6.64% | $166,000 | $852 | 41,512 |
| Lancaster | 6.7% | $197,000 | $1,017 | 40,709 |
| Westerville | 6.1% | $325,000 | $1,576 | 40,443 |
| Warren | 6.73% | $161,000 | $834 | 38,967 |
| Reynoldsburg | 6.02% | $245,000 | $1,178 | 38,846 |
| Huber Heights | 6.72% | $163,000 | $843 | 37,927 |
| Marion | 6.32% | $85,000 | $422 | 36,837 |
| Hilliard | 6.04% | $335,000 | $1,613 | 36,534 |
| Lima | 6.2% | $95,000 | $465 | 35,821 |
| Gahanna | 6.11% | $305,000 | $1,480 | 35,458 |
| Upper Arlington | 6.62% | $185,000 | $947 | 35,366 |
| Boardman | 6.8% | $183,000 | $954 | 35,282 |
| Brunswick | 6.86% | $170,000 | $892 | 34,810 |
| Stow | 6.72% | $161,000 | $833 | 34,770 |
| Mason | 6.69% | $169,000 | $872 | 34,419 |
| North Ridgeville | 6.69% | $177,000 | $913 | 34,234 |
| Fairborn | 6.88% | $174,000 | $915 | 34,135 |
| Westlake | 6.76% | $188,000 | $976 | 32,729 |
| Massillon | 6.89% | $165,000 | $868 | 32,195 |
| North Olmsted | 6.81% | $181,000 | $945 | 32,026 |
| Bowling Green | 6.6% | $161,000 | $823 | 31,650 |
| Maumee | 6.89% | $140,000 | $737 | 30,986 |
| North Royalton | 6.83% | $163,000 | $853 | 30,724 |
| New Lexington | 6.82% | $192,500 | $1,006 | 30,385 |
| Austintown | 6.78% | $173,000 | $900 | 29,677 |
| Kent | 6.61% | $188,000 | $962 | 29,667 |
| Oak Harbor | 6.67% | $185,000 | $952 | 29,625 |
| Coshocton | 6.83% | $180,000 | $942 | 29,509 |
| Franklin | 6.76% | $195,000 | $1,013 | 28,680 |
| Garfield Heights | 6.85% | $175,000 | $917 | 27,699 |
| Washington Court House | 6.63% | $185,000 | $948 | 27,590 |
| Xenia | 6.66% | $172,000 | $884 | 27,555 |
| Shaker Heights | 6.64% | $159,000 | $816 | 27,537 |
| Green | 6.67% | $191,000 | $983 | 27,455 |
| Wooster | 6.34% | $195,000 | $969 | 26,889 |
| Medina | 6.74% | $165,000 | $855 | 26,678 |
| Marysville | 6.78% | $156,000 | $812 | 25,476 |
| Barberton | 6.87% | $158,000 | $830 | 25,388 |
| Zanesville | 6.45% | $105,000 | $528 | 25,326 |
| Avon | 6.7% | $185,000 | $955 | 24,832 |
| Sandusky | 6.16% | $125,000 | $610 | 24,587 |
| Shelby | 6.79% | $145,000 | $755 | 24,515 |
| Avon Lake | 6.72% | $168,000 | $869 | 24,505 |
| Trotwood | 6.73% | $153,000 | $792 | 24,431 |
| Utica | 6.83% | $200,000 | $1,046 | 24,397 |
| Mentor-on-the-Lake | 6.87% | $182,500 | $959 | 24,000 |
| Centerville | 6.69% | $179,000 | $923 | 23,956 |
| Sheffield Lake | 6.66% | $122,500 | $630 | 23,861 |
| Solon | 6.8% | $167,000 | $871 | 23,640 |
| Broadview Heights | 6.78% | $220,000 | $1,145 | 23,622 |
| Wadsworth | 6.78% | $153,000 | $796 | 23,580 |
| Steubenville | 6.83% | $197,500 | $1,033 | 23,495 |
| Willoughby | 6.82% | $161,000 | $841 | 22,835 |
| Oxford | 6.88% | $168,000 | $883 | 22,471 |
| Girard | 6.79% | $167,500 | $873 | 22,403 |
| Alliance | 6.75% | $168,000 | $872 | 22,322 |
| Hudson | 6.82% | $161,000 | $841 | 22,262 |
| Pickerington | 6.69% | $173,000 | $892 | 22,158 |
| North Baltimore | 6.83% | $177,500 | $929 | 22,131 |
| Chillicothe | 6.2% | $125,000 | $613 | 21,901 |
| Perrysburg | 6.65% | $153,000 | $786 | 21,819 |
| Piqua | 6.89% | $175,000 | $921 | 21,268 |
| Whitehall | 6.72% | $275,000 | $1,423 | 21,144 |
| Caldwell | 6.79% | $190,000 | $990 | 20,738 |
| Lebanon | 6.69% | $163,000 | $841 | 20,633 |
| Sidney | 6.87% | $161,000 | $846 | 20,526 |
| Oregon | 6.7% | $158,000 | $816 | 20,291 |
| Willard | 6.9% | $185,000 | $975 | 20,287 |
| Ashland | 6.46% | $145,000 | $730 | 20,195 |
| Louisville | 6.79% | $180,000 | $938 | 20,171 |
| Miamisburg | 6.66% | $157,000 | $807 | 20,135 |
| Brook Park | 6.84% | $210,000 | $1,100 | 19,898 |
| Norwood | 6.71% | $176,000 | $909 | 19,656 |
| Kenton | 6.81% | $155,000 | $809 | 19,572 |
| Wickliffe | 6.76% | $200,000 | $1,039 | 19,342 |
| West Carrollton | 6.83% | $225,000 | $1,177 | 19,077 |
| Minerva | 6.7% | $225,000 | $1,162 | 18,989 |
| Forest Park | 6.7% | $174,000 | $898 | 18,720 |
| Niles | 6.65% | $152,000 | $781 | 18,443 |
| Sharonville | 6.72% | $240,000 | $1,241 | 18,377 |
| Ashtabula | 6.35% | $85,000 | $423 | 18,146 |
| Tiffin | 6.64% | $147,000 | $754 | 17,573 |
| New Philadelphia | 6.61% | $155,000 | $793 | 17,288 |
| Defiance | 6.66% | $185,000 | $951 | 16,899 |
| Fremont | 6.83% | $170,000 | $889 | 16,396 |
| Fairview Park | 6.88% | $170,000 | $894 | 16,365 |
| Streetsboro | 6.89% | $152,000 | $800 | 16,028 |
| Vandalia | 6.65% | $161,000 | $827 | 14,976 |
| Circleville | 6.68% | $164,000 | $845 | 14,431 |
| Powell | 6.48% | $445,000 | $2,244 | 14,178 |
| Bellefontaine | 6.9% | $147,000 | $775 | 13,511 |
| Englewood | 6.9% | $183,000 | $964 | 13,465 |
| Fostoria | 6.83% | $148,000 | $774 | 13,071 |
| Greenville | 6.71% | $168,000 | $868 | 12,929 |
| Conneaut | 6.84% | $173,000 | $906 | 12,602 |
| Salem | 6.73% | $158,000 | $818 | 11,838 |
| Bucyrus | 6.82% | $161,000 | $841 | 11,497 |
| Ironton | 6.82% | $146,000 | $763 | 10,796 |
| Cambridge | 6.78% | $151,000 | $786 | 10,635 |
| Vermilion | 6.73% | $152,000 | $787 | 10,586 |
| Celina | 6.79% | $179,000 | $933 | 10,581 |
| Galion | 6.7% | $167,000 | $862 | 10,512 |
| East Liverpool | 6.67% | $152,000 | $782 | 10,426 |
| Heath | 6.85% | $154,000 | $807 | 10,310 |
| Granville | 6.79% | $365,000 | $1,902 | 5,589 |
Ohio Mortgage Rates Guide — 2026
Ohio homebuyers currently see an average 30-year fixed mortgage rate of 6.71%, with median home prices around $178,712. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $923.
The most affordable city for homebuyers in Ohio is Ashtabula, where the median home price is $85,000. On the other end, Powell has the highest prices at $445,000. Property tax rates across the state average 1.58%.
To comfortably afford a home at the state average price, a household income of approximately $39,557 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 April 2026, the average 30-year fixed mortgage rate in Ohio is 6.71% and the 15-year fixed rate averages 5.95%. Rates vary by city, lender, and borrower qualification.
What is the average home price in Ohio?
The median home price across 132 cities in Ohio is $178,712. Prices range from $85,000 in Ashtabula to $445,000 in Powell.
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 $39,557 to comfortably afford the average home in Ohio. The median household income in the state is approximately $53,145.
Ohio Mortgage Rates by ZIP Code
Explore mortgage rates for specific ZIP codes in Ohio. Rates can vary by neighborhood based on local property values and lending conditions.
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