Mortgage Rates in Coshocton, Ohio — March 2026
Updated March 2026 | Based on Coshocton market data and regional lending conditions
Coshocton is a smaller Ohio community of 29,509 where home prices remain well below the national median, making homeownership more attainable. The current 30-year fixed rate here is 6.83% (0.18% above the national average). At a median home price of $180,000, the estimated $1,158/month payment (with 20% down) is affordable on the local median income of $56,000.
Current Mortgage Rates in Coshocton, OH
Below are the current average mortgage rates available in the Coshocton 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 | 6.83% | 6.65% | +0.18% |
| 15-Year Fixed | 6.06% | 5.89% | +0.17% |
| 5/1 ARM | 6.3% | 6.15% | +0.15% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.08% | 6.85% | +0.23% |
Coshocton Housing Market Overview
At $180,000, Coshocton offers more affordable housing than most U.S. metros. The local cost of living index is 87.7 (100 = national average), and the median household income of $56,000 provides comfortable purchasing power in this market.
Monthly Payment Breakdown for Coshocton
Based on the median home price of $180,000 with 20% down ($36,000), here is what you can expect to pay monthly in Coshocton:
15-Year vs. 30-Year Mortgage in Coshocton
Choosing a 15-year mortgage in Coshocton at 6.06% instead of a 30-year at 6.83% would save you $119,520 in total interest over the life of the loan. However, your monthly payment would be $1,220 instead of $942 — an increase of $278 per month.
Calculate Your Coshocton 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 Coshocton
What are the current mortgage rates in Coshocton, OH?
As of March 2026, the average 30-year fixed mortgage rate in Coshocton, Ohio is 6.83%, while the 15-year fixed rate is 6.06%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.18% above the national average of 6.65%.
How much is a monthly mortgage payment in Coshocton?
Based on the median home price of $180,000 with 20% down, the estimated monthly mortgage payment in Coshocton is $942 for principal and interest. Including property taxes of $216/month, the total monthly housing cost is approximately $1,158.
What income do I need to buy a home in Coshocton?
Using the 28% rule, you would need an annual income of approximately $49,629 to afford the median-priced home in Coshocton at $180,000. The median household income in Coshocton is $56,000. The median income is currently sufficient to meet this threshold.
Is Coshocton a good place to buy a home in 2026?
Coshocton offers a below-average cost of living with a cost of living index of 87.7 (national average = 100). The property tax rate in Ohio is 1.44%, which is near the national average. Coshocton has a population of 29,509 and offers a very affordable lifestyle.
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Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Coshocton, Ohio area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.