Ohio Mortgage Rates (2026)
Current average mortgage rates, median home prices, and top lenders in Ohio. Rates apply to primary residence purchases with good credit (740+).
30yr Fixed
7.06%
Avg APR
15yr Fixed
6.46%
Avg APR
Median Price
$235,000
Median home
Monthly P&I
$1,253
30yr at 80% LTV
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Top Mortgage Lenders in Ohio
1
Get RateRocket Mortgage
Online convenience
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
2
Get RateChase
Existing customers
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
3
Get RateWells Fargo
Branch access
30yr Fixed
7.1%
15yr Fixed
6.5%
Min Down
3%
4
Get RateBank of America
Preferred Rewards
30yr Fixed
7%
15yr Fixed
6.4%
Min Down
3%
5
Get RateloanDepot
Low down payment
30yr Fixed
6.9%
15yr Fixed
6.3%
Min Down
3%
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First-Time Buyer Programs in Ohio
- ✓Ohio Housing Finance Agency Your Choice!
- ✓OHFA Grants for Grads
- ✓Ohio Homebuyer Plus
Mortgage Requirements in Ohio
- •Min 640 credit score for OHFA programs
- •Income limits apply
- •Complete free homebuyer education course
Ohio Housing Market Facts
Columbus, Cleveland, and Cincinnati are the three primary housing markets.
Ohio offers down payment assistance of 2.5-5% via OHFA.
Property taxes vary significantly by county (0.85–2.3% range).
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