Guide
How Ohio buyers should use this benchmark
Ohio buyers should compare rate, APR, and cash-to-close because assistance programs and lender credits can change the best option.
Updated July 02, 2026
Mortgage Rates Today in Ohio
Ohio borrowers can use the national PMMS benchmark as a starting point, then adjust for property taxes, local assistance, and fee differences.
Data source: Freddie Mac PMMS. Rates are planning benchmarks, not guaranteed lender offers.
Featured benchmark
6.43%APR 6.58%
Weekly PMMS benchmark for conforming purchase loans
Current rate table
Compare the weekly fixed-rate benchmark with a refinance planning estimate before requesting personalized quotes.
30-Year Fixed
Weekly PMMS benchmark for conforming purchase loans
Rate
6.43%
APR
6.58%
15-Year Fixed
Shorter term with lower lifetime interest
Rate
5.79%
APR
5.94%
Refinance Planning
Planning estimate based on the 30-year benchmark plus lender spread
Rate
6.58%
APR
6.73%
Calculator
Ohio mortgage payment estimate
Estimate principal and interest with the current fixed-rate benchmark, then add local tax, insurance, and HOA assumptions for a full payment view.
Estimated monthly principal and interest
$1,431
Loan principal$228,000
Total interest$287,029
Total paid$515,029
Guide
What to verify with Ohio lenders
Ask whether state or local assistance can be paired with the quoted loan program.
Frequently asked questions
Are Ohio mortgage rates different from national rates?
They can be. National averages are useful benchmarks, but actual quotes vary by lender, borrower profile, loan size, property type, occupancy, points, and local market factors.
How many Ohio mortgage quotes should I compare?
Compare at least three quotes on the same day, and review APR, lender fees, points, credits, lock period, and cash-to-close before choosing.
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Estimate refinance savings, break-even timing, and payment changes using current mortgage rate assumptions.