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Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Fixed	6.875%	7.724%	2.066	$2,339
VA 30-Year Fixed	6.750%	7.162%	1.977	$2,298
Conventional 15-Year Fixed	6.625%	7.111%	2.124	$3,072
Conventional 30-Year Fixed	7.250%	7.525%	1.766	$2,387
Jumbo 30-Year Fixed	7.125%	7.360%	2.175	$6,400

Loan Type	Rate	APR	Points	Monthly Payment
FHA 30-Year Refinance	7.000%	7.871%	2.431	$2,369
VA 30-Year Refinance	7.000%	7.288%	2.240	$2,340
Conventional 15-Year Refinance	6.875%	7.373%	2.370	$3,121
Conventional 30-Year Refinance	7.375%	7.697%	2.427	$2,417
Jumbo 30-Year Refinance	7.250%	7.502%	2.250	$6,480

Loan Type	Rate	APR	Points	Monthly Payment

FHA 30-Year Fixed: Interest rate offered based on $356,125 loan amount with 7.724% APR and $2,339 monthly payment at 70% loan-to-value (LTV) and 2.066 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

VA 30-Year Fixed: Interest rate offered based on $354,375 loan amount with 7.162% APR and $2,298 monthly payment at 70% loan-to-value (LTV) and 1.977 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

Conventional 15-Year Fixed: Interest rate offered based on $350,000 loan amount with 7.111% APR and $3,072 monthly payment at 70% loan-to-value (LTV) and 2.124 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

Conventional 30-Year Fixed: Interest rate offered based on $350,000 loan amount with 7.525% APR and $2,387 monthly payment at 70% loan-to-value (LTV) and 1.766 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

Jumbo 30-Year Fixed: Interest rate offered based on $950,001 loan amount with 7.360% APR and $6,400 monthly payment at 70% loan-to-value (LTV) and 2.175 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

FHA 30-Year Refinance: Interest rate offered based on $356,125 loan amount with 7.871% APR and $2,369 monthly payment at 70% loan-to-value (LTV) and 2.431 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

VA 30-Year Refinance: Interest rate offered based on $351,750 loan amount with 7.288% APR and $2,340 monthly payment at 70% loan-to-value (LTV) and 2.240 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

Conventional 15-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.373% APR and $3,121 monthly payment at 70% loan-to-value (LTV) and 2.370 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

Conventional 30-Year Refinance: Interest rate offered based on $350,000 loan amount with 7.697% APR and $2,417 monthly payment at 70% loan-to-value (LTV) and 2.427 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

Jumbo 30-Year Refinance: Interest rate offered based on $950,001 loan amount with 7.502% APR and $6,480 monthly payment at 70% loan-to-value (LTV) and 2.250 discount points. Payment is Principal and Interest example only. Rate shown is current as of October 9, 2026.

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Mortgage Rates Trend

Historical rates shown for context only. See full disclosures below and current rates in the table above. View Legal Disclosures

What Affects Mortgage Interest Rates in Ohio

Ohio mortgage interest rates follow national lending markets rather than rates set by state borders. Your credit profile, loan structure, property details and other application factors can affect the pricing offered to you.

A mortgage quote for a home in Columbus can differ from one for a property in rural Ohio when the borrower, property or loan details change.

When comparing lenders, look at both the interest rate and the annual percentage rate, or APR. The interest rate is the percentage charged for borrowing the principal. APR is a broader annualized measure that includes the interest rate plus certain loan costs.

Ohio homeowners weighing a new mortgage rate or term can compare Ohio refinance rates with their existing loan.

Types of Mortgages Available in Ohio

Ohioans buying a home can choose among several mortgage structures, while the amount borrowed determines whether conventional financing stays within Ohio's statewide conforming limit.

A conventional fixed-rate mortgage keeps the same interest rate for the full loan term.
FHA loans in Ohio follow separate borrower and property requirements. FHA loan limits are set separately from conforming limits and are published county by county.
Eligible borrowers can compare Ohio VA loan rates. VA financing follows its own borrower and property requirements.
USDA loans combine borrower qualification with property eligibility and may apply when you are buying in an eligible rural part of Ohio.
An adjustable-rate mortgage can change after its initial rate period according to the loan terms.
A jumbo loan finances an amount above the applicable conforming limit. Ohio uses one statewide one-unit threshold for 2026.

Buyers entering the market for the first time can compare first-time homebuyer loan options in Ohio.

Mortgage insurance treatment varies by loan program, so include mortgage insurance requirements by loan type when estimating the full payment.

2026 Conforming and Jumbo Loan Limits in Ohio

All 88 counties in Ohio use the same $832,750 one-unit conforming loan limit for 2026. The Federal Housing Finance Agency, or FHFA, sets conforming loan limits annually.

A one-unit mortgage above $832,750 falls into the jumbo category anywhere in Ohio. The threshold applies to the amount borrowed rather than the home's purchase price.

Buyers borrowing above $832,750 can compare Ohio jumbo loan rates. Because the same one-unit limit applies across all 88 counties, there is no county-level conforming table to check.

These are 2026 limits for one-unit properties. Limits for two-, three- and four-unit properties are higher. The FHFA publishes annual conforming loan limit values by county and property size.

FHA financing uses a separate county-level limit system. The VA does not impose a loan limit for eligible borrowers with full entitlement. Lenders may still apply their own underwriting and loan-size requirements.

Ohio Mortgage Payment Examples By Rate

Ohio's payment examples extend to an $800,000 mortgage, which remains below the $832,750 one-unit conforming limit that applies across all 88 counties for 2026. The table shows principal-and-interest payments across the supplied loan amounts and rates. Use the Ohio mortgage payment calculator to test a different loan amount or other mortgage details.

Loan Amount	5.50%	5.75%	6.00%	6.25%	6.50%
$800,000	$4,542	$4,669	$4,796	$4,926	$5,057
$700,000	$3,975	$4,085	$4,197	$4,310	$4,424
$600,000	$3,407	$3,501	$3,597	$3,694	$3,792
$500,000	$2,839	$2,918	$2,998	$3,079	$3,160
$400,000	$2,271	$2,334	$2,398	$2,463	$2,528
$300,000	$1,703	$1,751	$1,799	$1,847	$1,896

The figures cover principal and interest only. Property taxes, homeowners insurance, mortgage insurance, association fees and other costs are not included.

Loan Officers in Ohio

Brandon Hartley

Senior Loan Officer

NMLS ID# 173898

Today's Mortgage Rates in Ohio

OH Mortgage Rate Insights

Current Ohio Mortgage Rates

Legal Disclosures

Get your personalized rate

Mortgage Rates Trend

Legal Disclosures

What Affects Mortgage Interest Rates in Ohio

Types of Mortgages Available in Ohio

2026 Conforming and Jumbo Loan Limits in Ohio

Ohio Mortgage Payment Examples By Rate

Ohio Mortgage FAQs

Loan Officers in Ohio

Brandon Hartley

Leah Severt

Marco Aledia

Reily Kiser

Eric Gerber

Nick Steinhauer

Nate Ebling

Josie George

Connor Murrell

Austin Clarkson

Tyler Marton

Monica Hughes

Kreg King

Nick Hedke

Sheri Bowman

Katie Lepley

Jack Tomlinson

Todd Ireland

Graham Nadler

Mallory Miller

Connor Kern

Jose Duarte

Sam Berman

Marquise Boykin

Devin Harris

Diiamond Lewis

Owen Dysart

Heather Bleoo

Nick Caravana

Justice Anderson

Ben Gbur

Justin Nguyen

Blake Joe

Cat Pascual

Warren Chiapparelli

Matthew Mikel

Amber Lee

Tashia Perry

Dane Shirley

Shawn Baird

Sean ONeil

Mason Burkhalter

Amy Cea

Connor Farley

Kole Clay

Cameron Antle

Miles Juschka

Joe Bauer

Griffin Stryker

Jared Derosa

Josh Morris

Brianne Kesner

Brad Angel

Calvin Turner

Jake Baynes

Chris Kirkpatrick

Nico Thomas

Elijah Chambers

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