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Xenia

Current Mortgage Rates in Xenia, Ohio

Compare mortgage rates and fees for leading lenders in Xenia, OH. 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 lender offering the best 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.

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Mortgage Rates in Xenia, OH as of October 21, 2019
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Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click for more information on rates and product details.

How Do Today's Xenia, OH Mortgage Rates Compare?

October 21, 2019

The current average rate for a 30 year fixed rate mortgage in Xenia is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
Today's
Xenia, OH Rates
National
Average
Comparison
30 Year Fixed Rate
A.AAA%
3.690%
15 Year Fixed Rate
B.BBB%
3.150%
5/1 Adjustable Rate Mortgage
C.CCC%
3.350%

How Affordable is Housing in Xenia, Ohio?

The median home value for Xenia, OH (Greene County) is $184,743

The median household income for Xenia, OH (Greene County) is $67,020

Based on current mortgage rates and a 10% down payment, you need to make $34,276 per year to buy the median priced home in Xenia

The home price you can afford to buy based on household income in Xenia is 196% of the median home value which means housing prices are average

Xenia (Greene County) ranks 68 out of 88 counties in Ohio and 1,685 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

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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: $484,350
2 units: $620,200
3 units: $749,650
4 units: $931,600

FHA loan limits for Xenia, OH

1 unit: $314,827
2 units: $403,125
3 units: $487,250
4 units: $605,525

VA loan limits for Xenia, OH

1 unit: $484,350

Additional Mortgage Resources for Xenia, OH Residents

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Sources

US Census Bureau American Community Survey: https://www.census.gov/programs-surveys/acs

FHFA House Price Index: https://www.fhfa.gov/DataTools/Downloads/Pages/House-Price-Index-Datasets.aspx#qat

Income Growth: https://www.bls.gov

National Average Rates: http://www.freddiemac.com/pmms/

Conforming Loan Limits: https://www.fhfa.gov/DataTools/Downloads/Pages/Conforming-Loan-Limits.aspx

FHA Loan Limits: https://entp.hud.gov/idapp/html/hicostlook.cfm

VA Loan Limits: https://www.benefits.va.gov/homeloans/purchaseco_loan_limits.asp

FREEandCLEAR Housing Affordability Index