Mortgage Rates in Celina, Ohio — March 2026
Updated March 2026 | Based on Celina market data and regional lending conditions
Celina is a growing city in Ohio with a population of 10,581. The current 30-year fixed mortgage rate in Celina is 6.79%, which is 0.14% above the national average. With a median home price of $179,000 and a 20% down payment of $35,800, homebuyers can expect a monthly principal and interest payment of approximately $933.
Current Mortgage Rates in Celina, OH
Below are the current average mortgage rates available in the Celina area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.79% | 6.65% | +0.14% |
| 15-Year Fixed | 6.02% | 5.89% | +0.13% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.04% | 6.85% | +0.19% |
Celina Housing Market Overview
The Celina housing market offers relatively affordable housing compared to many major cities. The median household income in Celina is $50,200, and the cost of living index is 88.2 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $50,657 to comfortably afford the median-priced home in Celina, which exceeds the current median household income.
Monthly Payment Breakdown for Celina
Based on the median home price of $179,000 with 20% down ($35,800), here is what you can expect to pay monthly in Celina:
15-Year vs. 30-Year Mortgage in Celina
Choosing a 15-year mortgage in Celina at 6.02% instead of a 30-year at 6.79% would save you $118,080 in total interest over the life of the loan. However, your monthly payment would be $1,210 instead of $933 — an increase of $277 per month.
Calculate Your Celina Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Celina
What are the current mortgage rates in Celina, OH?
As of March 2026, the average 30-year fixed mortgage rate in Celina, Ohio is 6.79%, while the 15-year fixed rate is 6.02%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.14% above the national average of 6.65%.
How much is a monthly mortgage payment in Celina?
Based on the median home price of $179,000 with 20% down, the estimated monthly mortgage payment in Celina is $933 for principal and interest. Including property taxes of $249/month, the total monthly housing cost is approximately $1,182.
What income do I need to buy a home in Celina?
Using the 28% rule, you would need an annual income of approximately $50,657 to afford the median-priced home in Celina at $179,000. The median household income in Celina is $50,200. This means most households would need to either earn above the median or consider homes below $179,000.
Is Celina a good place to buy a home in 2026?
Celina offers a below-average cost of living with a cost of living index of 88.2 (national average = 100). The property tax rate in Ohio is 1.67%, which is above the national average. Celina has a population of 10,581 and offers a very affordable lifestyle.
Mortgage Rates in Other Ohio Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Celina, Ohio area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.