What are current mortgage rates in Ohio?

As of December 2026, Ohio mortgage rates average 6.70% for 30-year fixed. Compare quotes from multiple Ohio lenders.

What is the median home price in Ohio?

Ohio median home price is approximately $245,000. Columbus: $320K, Cleveland: $180K, Cincinnati: $220K. Very affordable.

What are Ohio property taxes?

Ohio property taxes average 1.56% of home value. On a $245K home, expect ~$3,822/year.

Is Ohio affordable for first-time buyers?

Yes. Ohio offers very affordable home prices ($245K median) and strong first-time buyer programs.

State Guide

Ohio Mortgage Rates 2026

Q: What first-time buyer programs are available?

Ohio offers OHFA First-Time Homebuyer Program, down payment assistance up to 5%, and various county programs.

Emily Chen

Construction & Commercial Loans Expert

November 3, 202510 min readExpert

Construction LoansCommercial MortgagesInvestment Property Financing

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⭐ Ohio

Mortgage Rates & Home Loans 2025

Ohio offers very affordable home prices and strong first-time buyer programs. This guide reveals current mortgage rates and strategies to get the best deal.