Mortgage Rates in Youngstown, Ohio — March 2026
Updated March 2026 | Based on Youngstown market data and regional lending conditions
Youngstown is a growing city in Ohio with a population of 60,068. The current 30-year fixed mortgage rate in Youngstown is 6.81%, which is 0.16% above the national average. With a median home price of $177,000 and a 20% down payment of $35,400, homebuyers can expect a monthly principal and interest payment of approximately $924.
Current Mortgage Rates in Youngstown, OH
Below are the current average mortgage rates available in the Youngstown 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 | 6.81% | 6.65% | +0.16% |
| 15-Year Fixed | 6.03% | 5.89% | +0.14% |
| 5/1 ARM | 6.28% | 6.15% | +0.13% |
| FHA | 6.53% | 6.25% | +0.28% |
| VA | 6.28% | 6.05% | +0.23% |
| Jumbo | 7.06% | 6.85% | +0.21% |
Youngstown Housing Market Overview
The Youngstown housing market offers relatively affordable housing compared to many major cities. The median household income in Youngstown is $61,900, and the cost of living index is 82.1 (national average = 100). Based on the 28% affordability rule, the median income in Youngstown is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Youngstown
Based on the median home price of $177,000 with 20% down ($35,400), here is what you can expect to pay monthly in Youngstown:
15-Year vs. 30-Year Mortgage in Youngstown
Choosing a 15-year mortgage in Youngstown at 6.03% instead of a 30-year at 6.81% would save you $117,180 in total interest over the life of the loan. However, your monthly payment would be $1,197 instead of $924 — an increase of $273 per month.
Calculate Your Youngstown 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 Youngstown
What are the current mortgage rates in Youngstown, OH?
As of March 2026, the average 30-year fixed mortgage rate in Youngstown, Ohio is 6.81%, while the 15-year fixed rate is 6.03%. FHA loans average 6.53% and VA loans 6.28%. These rates are 0.16% above the national average of 6.65%.
How much is a monthly mortgage payment in Youngstown?
Based on the median home price of $177,000 with 20% down, the estimated monthly mortgage payment in Youngstown is $924 for principal and interest. Including property taxes of $215/month, the total monthly housing cost is approximately $1,139.
What income do I need to buy a home in Youngstown?
Using the 28% rule, you would need an annual income of approximately $48,814 to afford the median-priced home in Youngstown at $177,000. The median household income in Youngstown is $61,900. The median income is currently sufficient to meet this threshold.
Is Youngstown a good place to buy a home in 2026?
Youngstown offers a below-average cost of living with a cost of living index of 82.1 (national average = 100). The property tax rate in Ohio is 1.46%, which is near the national average. Youngstown has a population of 60,068 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 Youngstown, Ohio area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.