Mortgage Rates in Maumee, Ohio — March 2026
Updated March 2026 | Based on Maumee market data and regional lending conditions
Maumee is a smaller Ohio community of 30,986 where home prices remain well below the national median, making homeownership more attainable. The current 30-year fixed rate here is 6.89% (0.24% above the national average). At a median home price of $140,000, the estimated $914/month payment (with 20% down) is affordable on the local median income of $63,000.
Current Mortgage Rates in Maumee, OH
Below are the current average mortgage rates available in the Maumee 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 | 6.89% | 6.65% | +0.24% |
| 15-Year Fixed | 6.1% | 5.89% | +0.21% |
| 5/1 ARM | 6.34% | 6.15% | +0.19% |
| FHA | 6.57% | 6.25% | +0.32% |
| VA | 6.32% | 6.05% | +0.27% |
| Jumbo | 7.14% | 6.85% | +0.29% |
Maumee Housing Market Overview
Maumee is one of the more affordable housing markets, with a median home price of just $140,000 — significantly below the national median. Combined with a property tax rate of 1.52%, the total monthly housing cost of $914 is within reach for many local households earning the median $63,000.
Monthly Payment Breakdown for Maumee
Based on the median home price of $140,000 with 20% down ($28,000), here is what you can expect to pay monthly in Maumee:
15-Year vs. 30-Year Mortgage in Maumee
Choosing a 15-year mortgage in Maumee at 6.1% instead of a 30-year at 6.89% would save you $94,140 in total interest over the life of the loan. However, your monthly payment would be $951 instead of $737 — an increase of $214 per month.
Calculate Your Maumee 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 Maumee
What are the current mortgage rates in Maumee, OH?
As of March 2026, the average 30-year fixed mortgage rate in Maumee, Ohio is 6.89%, while the 15-year fixed rate is 6.1%. FHA loans average 6.57% and VA loans 6.32%. These rates are 0.24% above the national average of 6.65%.
How much is a monthly mortgage payment in Maumee?
Based on the median home price of $140,000 with 20% down, the estimated monthly mortgage payment in Maumee is $737 for principal and interest. Including property taxes of $177/month, the total monthly housing cost is approximately $914.
What income do I need to buy a home in Maumee?
Using the 28% rule, you would need an annual income of approximately $39,171 to afford the median-priced home in Maumee at $140,000. The median household income in Maumee is $63,000. The median income is currently sufficient to meet this threshold.
Is Maumee a good place to buy a home in 2026?
Maumee offers a below-average cost of living with a cost of living index of 95.2 (national average = 100). The property tax rate in Ohio is 1.52%, which is above the national average. Maumee has a population of 30,986 and offers a balanced 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 Maumee, Ohio area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.