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30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|30-Year Fixed6.625%-0.125|15-Year Fixed5.875%-0.063|30-Year FHA6.375%-0.125|30-Year VA6.125%-0.063|5/1 ARM6.125%0.000|7/1 ARM6.250%+0.063|30-Year Jumbo7.125%-0.188|15-Year Jumbo6.625%-0.125|CA Avg6.550%-0.080|TX Avg6.720%+0.050|FL Avg6.680%-0.030|NY Avg6.500%-0.100|PA Avg6.450%-0.050|IL Avg6.580%+0.020|OH Avg6.380%-0.070|GA Avg6.650%0.000|NC Avg6.520%-0.040|MI Avg6.480%-0.060|AZ Avg6.600%+0.030|WA Avg6.420%-0.090|
Home/Ohio Mortgage Rates/Cincinnati

Mortgage Rates in Cincinnati, Ohio: 2026 Guide

30-year fixed: 6.75%. Median: $260,000.

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Current Mortgage Rates in Cincinnati

Loan TypeRateAPRMonthly*
30-Year Fixed6.75%6.830%$1,349/mo
15-Year Fixed6.23%6.300%$1,781/mo
5/1 ARM6.13%6.480%$1,265/mo
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Cincinnati Market Insights

Cincinnati offers a unique blend of Midwestern affordability with East Coast character. The Over-the-Rhine neighborhood has seen remarkable revitalization, and the city’s strong corporate base provides economic stability. Housing remains very affordable compared to national averages.

Frequently Asked Questions

What is the average mortgage rate in Cincinnati?+
The average 30-year fixed rate in Cincinnati is 6.75%.
How much down payment is needed?+
On a median home of $260,000, 20% down is $52,000.
What are property taxes?+
Ohio rate: 1.56%. Annual taxes: $4,056.

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