Mortgage Rates in Miamisburg, Ohio — March 2026
Updated March 2026 | Based on Miamisburg market data and regional lending conditions
Miamisburg is a growing city in Ohio with a population of 20,135. The current 30-year fixed mortgage rate in Miamisburg is 6.66%, which is 0.01% above the national average. With a median home price of $157,000 and a 20% down payment of $31,400, homebuyers can expect a monthly principal and interest payment of approximately $807.
Current Mortgage Rates in Miamisburg, OH
Below are the current average mortgage rates available in the Miamisburg 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 | 6.66% | 6.65% | +0.01% |
| 15-Year Fixed | 5.92% | 5.89% | +0.03% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.45% | 6.25% | +0.2% |
| VA | 6.2% | 6.05% | +0.15% |
| Jumbo | 6.91% | 6.85% | +0.06% |
Miamisburg Housing Market Overview
The Miamisburg housing market offers relatively affordable housing compared to many major cities. The median household income in Miamisburg is $56,100, and the cost of living index is 88.5 (national average = 100). Based on the 28% affordability rule, the median income in Miamisburg is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Miamisburg
Based on the median home price of $157,000 with 20% down ($31,400), here is what you can expect to pay monthly in Miamisburg:
15-Year vs. 30-Year Mortgage in Miamisburg
Choosing a 15-year mortgage in Miamisburg at 5.92% instead of a 30-year at 6.66% would save you $100,800 in total interest over the life of the loan. However, your monthly payment would be $1,054 instead of $807 — an increase of $247 per month.
Calculate Your Miamisburg 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 Miamisburg
What are the current mortgage rates in Miamisburg, OH?
As of March 2026, the average 30-year fixed mortgage rate in Miamisburg, Ohio is 6.66%, while the 15-year fixed rate is 5.92%. FHA loans average 6.45% and VA loans 6.2%. These rates are 0.01% above the national average of 6.65%.
How much is a monthly mortgage payment in Miamisburg?
Based on the median home price of $157,000 with 20% down, the estimated monthly mortgage payment in Miamisburg is $807 for principal and interest. Including property taxes of $198/month, the total monthly housing cost is approximately $1,005.
What income do I need to buy a home in Miamisburg?
Using the 28% rule, you would need an annual income of approximately $43,071 to afford the median-priced home in Miamisburg at $157,000. The median household income in Miamisburg is $56,100. The median income is currently sufficient to meet this threshold.
Is Miamisburg a good place to buy a home in 2026?
Miamisburg offers a below-average cost of living with a cost of living index of 88.5 (national average = 100). The property tax rate in Ohio is 1.51%, which is above the national average. Miamisburg has a population of 20,135 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 Miamisburg, Ohio area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.