Compare Current Xenia, Ohio Mortgage Rates

Compare Xenia, 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 Xenia.

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

Xenia, OH Mortgage Rates as of December 1, 2022
  • Lender
  • APR
  • Loan Type
  • Rate
  • Payment
  • Fees & Points
  • Contact
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 Xenia, OH Mortgage Rates

December 1, 2022

Current mortgage rates in Xenia, 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
Xenia, OH Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in Xenia, Ohio?

Below we provide helpful information on the real estate market, home prices and housing affordability in Xenia. Understand how much you need to earn to afford a home in Xenia, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Xenia 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 Xenia is right for you.

The median home value for Xenia, OH (Greene County) is $236,484

Based on current mortgage rates and a 10% down payment, you need to make $38,747 per year to buy the median priced home in Xenia

With this income, you could qualify for a $212,836 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 Xenia is $897

The median household income for Xenia, OH (Greene County) is $72,844

Based on this income, you can afford a home valued at approximately $444,590

The home price you can afford to buy based on household income in Xenia is 188% of the median home value which means housing prices are average. Xenia (Greene County) ranks 77 out of 88 counties in Ohio and 1,980 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in Xenia, OH is average


Loan Limits for Xenia, Ohio

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Xenia (Greene County) below.

Conforming loan limits for Xenia, OH

1 unit: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Xenia, OH

1 unit: $420,680
2 units: $538,650
3 units: $651,050
4 units: $809,150

VA loan limits for Xenia, OH

1 unit: $647,200

Additional Mortgage Resources for Xenia, OH 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