Mortgage Rates in Tiffin, Ohio — March 2026
Updated March 2026 | Based on Tiffin market data and regional lending conditions
Tiffin is a growing city in Ohio with a population of 17,573. The current 30-year fixed mortgage rate in Tiffin is 6.64%, which is 0.01% below the national average. With a median home price of $147,000 and a 20% down payment of $29,400, homebuyers can expect a monthly principal and interest payment of approximately $754.
Current Mortgage Rates in Tiffin, OH
Below are the current average mortgage rates available in the Tiffin 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 | 6.64% | 6.65% | -0.01% |
| 15-Year Fixed | 5.9% | 5.89% | +0.01% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.89% | 6.85% | +0.04% |
Tiffin Housing Market Overview
The Tiffin housing market offers relatively affordable housing compared to many major cities. The median household income in Tiffin is $55,800, and the cost of living index is 82.5 (national average = 100). Based on the 28% affordability rule, the median income in Tiffin is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Tiffin
Based on the median home price of $147,000 with 20% down ($29,400), here is what you can expect to pay monthly in Tiffin:
15-Year vs. 30-Year Mortgage in Tiffin
Choosing a 15-year mortgage in Tiffin at 5.9% instead of a 30-year at 6.64% would save you $93,960 in total interest over the life of the loan. However, your monthly payment would be $986 instead of $754 — an increase of $232 per month.
Calculate Your Tiffin 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 Tiffin
What are the current mortgage rates in Tiffin, OH?
As of March 2026, the average 30-year fixed mortgage rate in Tiffin, Ohio is 6.64%, while the 15-year fixed rate is 5.9%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.01% below the national average of 6.65%.
How much is a monthly mortgage payment in Tiffin?
Based on the median home price of $147,000 with 20% down, the estimated monthly mortgage payment in Tiffin is $754 for principal and interest. Including property taxes of $196/month, the total monthly housing cost is approximately $950.
What income do I need to buy a home in Tiffin?
Using the 28% rule, you would need an annual income of approximately $40,714 to afford the median-priced home in Tiffin at $147,000. The median household income in Tiffin is $55,800. The median income is currently sufficient to meet this threshold.
Is Tiffin a good place to buy a home in 2026?
Tiffin offers a below-average cost of living with a cost of living index of 82.5 (national average = 100). The property tax rate in Ohio is 1.6%, which is above the national average. Tiffin has a population of 17,573 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 Tiffin, Ohio area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.