Compare Youngstown, 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 Youngstown.
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August 22, 2025
Below we provide helpful information on the real estate market, home prices and housing affordability in Youngstown. Understand how much you need to earn to afford a home in Youngstown, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Youngstown 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 Youngstown is right for you.
The median home value for Youngstown, OH (Mahoning County) is $148,236
Based on current mortgage rates and a 10% down payment, you need to make $30,924 per year to buy the median priced home in Youngstown
With this income, you could qualify for a $133,412 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 Youngstown is $716
The median household income for Youngstown, OH (Mahoning County) is $50,243
Based on this income, you can afford a home valued at approximately $240,839
The home price you can afford to buy based on household income in Youngstown is 162% of the median home value which means housing prices are average. Youngstown (Mahoning County) ranks 58 out of 88 counties in Ohio and 1,568 out of 3,142 counties in the United States for housing affordability.
According to the FREEandCLEAR Housing Affordability Index, the housing market in Youngstown, OH is average
Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for Youngstown (Mahoning County) below.
Conforming loan limits for Youngstown, OH
FHA loan limits for Youngstown, OH