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Compare Mansfield, OH 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 Mansfield.
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Loan terms assume conforming mortgage amount on single family residence, 80% LTV ratio and minimum borrower credit score of 740. $150,000 minimum mortgage amount. Borrower is responsible for $1,055 lender fee. Loan terms are subject to change without notice.
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Compare Today's Mansfield, OH Mortgage Rates
July 14, 2025
Current mortgage rates in Mansfield, OH 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
Today's Mansfield, OH Rates
National Average
Comparison
30 Year Fixed Rate
%
6.670%
15 Year Fixed Rate
%
5.960%
5/1 Adjustable Rate Mortgage
%
6.250%
How Affordable is Housing in Mansfield, Ohio?
Below we provide helpful information on the real estate market, home prices and housing affordability in Mansfield. Understand how much you need to earn to afford a home in Mansfield, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Mansfield fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in Mansfield is right for you.
The median home value for Mansfield, OH (Richland County) is $166,352
Based on current mortgage rates and a 10% down payment, you need to make $34,704 per year to buy the median priced home in Mansfield
With this income, you could qualify for a $149,717 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 Mansfield is $804
The median household income for Mansfield, OH (Richland County) is $51,905
Based on this income, you can afford a home valued at approximately $248,806
The home price you can afford to buy based on household income in Mansfield is 150% of the median home value which means housing prices are average.
Mansfield (Richland County) ranks 69 out of 88 counties in Ohio and 1,898 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Mansfield, OH is average
Loan Limits for Mansfield, Ohio
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Mansfield (Richland County) below.
Conforming loan limits for Mansfield, OH
1 unit:$726,200
2 units:$929,850
3 units:$1,123,900
4 units:$1,396,800
FHA loan limits for Mansfield, OH
1 unit:$472,030
2 units:$604,400
3 units:$730,525
4 units:$907,900
VA loan limits for Mansfield, OH
1 unit:$726,200
Additional Mortgage Resources for Mansfield, OH Residents