Mortgage Rates in Zanesville, Ohio — March 2026
Updated March 2026 | Based on Zanesville market data and regional lending conditions
Zanesville is a growing city in Ohio with a population of 25,326. The current 30-year fixed mortgage rate in Zanesville is 6.45%, which is 0.2% below the national average. With a median home price of $105,000 and a 20% down payment of $21,000, homebuyers can expect a monthly principal and interest payment of approximately $528.
Current Mortgage Rates in Zanesville, OH
Below are the current average mortgage rates available in the Zanesville 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 | 6.45% | 6.65% | -0.2% |
| 15-Year Fixed | 5.69% | 5.89% | -0.2% |
| 5/1 ARM | 5.95% | 6.15% | -0.2% |
| FHA | 6.05% | 6.25% | -0.2% |
| VA | 5.85% | 6.05% | -0.2% |
| Jumbo | 6.65% | 6.85% | -0.2% |
Zanesville Housing Market Overview
The Zanesville housing market offers relatively affordable housing compared to many major cities. The median household income in Zanesville is $32,000, and the cost of living index is 77 (national average = 100). Based on the 28% affordability rule, the median income in Zanesville is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Zanesville
Based on the median home price of $105,000 with 20% down ($21,000), here is what you can expect to pay monthly in Zanesville:
15-Year vs. 30-Year Mortgage in Zanesville
Choosing a 15-year mortgage in Zanesville at 5.69% instead of a 30-year at 6.45% would save you $64,980 in total interest over the life of the loan. However, your monthly payment would be $695 instead of $528 — an increase of $167 per month.
Calculate Your Zanesville 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 Zanesville
What are the current mortgage rates in Zanesville, OH?
As of March 2026, the average 30-year fixed mortgage rate in Zanesville, Ohio is 6.45%, while the 15-year fixed rate is 5.69%. FHA loans average 6.05% and VA loans 5.85%. These rates are 0.2% below the national average of 6.65%.
How much is a monthly mortgage payment in Zanesville?
Based on the median home price of $105,000 with 20% down, the estimated monthly mortgage payment in Zanesville is $528 for principal and interest. Including property taxes of $134/month, the total monthly housing cost is approximately $662.
What income do I need to buy a home in Zanesville?
Using the 28% rule, you would need an annual income of approximately $28,371 to afford the median-priced home in Zanesville at $105,000. The median household income in Zanesville is $32,000. The median income is currently sufficient to meet this threshold.
Is Zanesville a good place to buy a home in 2026?
Zanesville offers a below-average cost of living with a cost of living index of 77 (national average = 100). The property tax rate in Ohio is 1.53%, which is above the national average. Zanesville has a population of 25,326 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 Zanesville, Ohio area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.