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Live Rates
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/Dayton

Mortgage Rates in Dayton, Ohio: 2026 Guide

30-year fixed: 6.77%. Median: $195,000.

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Current Mortgage Rates in Dayton

Loan TypeRateAPRMonthly*
30-Year Fixed6.77%6.850%$1,014/mo
15-Year Fixed6.25%6.320%$1,338/mo
5/1 ARM6.15%6.500%$950/mo
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Dayton Market Insights

Dayton offers some of the most affordable housing in Ohio. The city is home to Wright-Patterson Air Force Base, a major economic driver. The housing market is very accessible for first-time buyers, with significant purchasing power relative to local incomes.

Frequently Asked Questions

What is the average mortgage rate in Dayton?+
The average 30-year fixed rate in Dayton is 6.77%.
How much down payment is needed?+
On a median home of $195,000, 20% down is $39,000.
What are property taxes?+
Ohio rate: 1.56%. Annual taxes: $3,042.

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