Current Ohio Mortgage Rates

Compare Ohio mortgage rates and fees from top lenders. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lowest mortgage rates in Ohio.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in Ohio. Plus, shopping lenders is free and there is no obligation.

Ohio Mortgage Rates as of December 1, 2022
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Data provided by Icanbuy. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.


Compare Today's Ohio Mortgage Rates

December 1, 2022

Current mortgage rates in Ohio are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

Mortgage Program
Ohio Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Ohio?

Below we offer valuable insights on the housing market and real estate prices in Ohio. Understand how much you need to make to buy a house in Ohio, including the mortgage you need. Review the monthy loan payment so you can determine if home ownership in Ohio is affordable for you. We provide this helpful information to help you decide if living in Ohio is right for you.

The median home value for Ohio is $198,776

Based on current mortgage rates and a 10% down payment, the income required to buy the median priced home in Ohio is $32,569

With this income, you could qualify for a $178,898 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in Ohio is $754

The median household income for Ohio is $64,297

Based on this income, you can afford a home valued at approximately $392,422

The home price you can afford to buy based on household income in Ohio is 197% of the median home value which means housing prices are super affordable. Ohio ranks 8 out of 50 states for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the real estate market in Ohio is super affordable


Additional Mortgage Resources for Ohio Residents

Mortgage Rates for Ohio Cities

Akron Mortgage Rates

Bowling Green Mortgage Rates

Canton Mortgage Rates

Cincinnati Mortgage Rates

Cleveland Mortgage Rates

Columbiana Mortgage Rates

Columbus Mortgage Rates

Dayton Mortgage Rates

Delaware Mortgage Rates

Hamilton Mortgage Rates

Kent Mortgage Rates

Lancaster Mortgage Rates

Lima Mortgage Rates

Lorain Mortgage Rates

Mansfield Mortgage Rates

Mason Mortgage Rates

Medina Mortgage Rates

Mentor Mortgage Rates

Miami Mortgage Rates

Milford Mortgage Rates

Newark Mortgage Rates

Springfield Mortgage Rates

Toledo Mortgage Rates

Warren Mortgage Rates

Wayne Mortgage Rates

Xenia Mortgage Rates

Youngstown Mortgage Rates