Mortgage Rates in Washington Court House, Ohio — March 2026
Updated March 2026 | Based on Washington Court House market data and regional lending conditions
Washington Court House is a smaller Ohio community of 27,590 where home prices remain well below the national median, making homeownership more attainable. The current 30-year fixed rate here is 6.63% (0.02% below the national average). At a median home price of $185,000, the estimated $1,138/month payment (with 20% down) is affordable on the local median income of $57,000.
Current Mortgage Rates in Washington Court House, OH
Below are the current average mortgage rates available in the Washington Court House 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 | 6.63% | 6.65% | -0.02% |
| 15-Year Fixed | 5.9% | 5.89% | +0.01% |
| 5/1 ARM | 6.18% | 6.15% | +0.03% |
| FHA | 6.44% | 6.25% | +0.19% |
| VA | 6.19% | 6.05% | +0.14% |
| Jumbo | 6.88% | 6.85% | +0.03% |
Washington Court House Housing Market Overview
At $185,000, Washington Court House offers more affordable housing than most U.S. metros. The local cost of living index is 86.4 (100 = national average), and the median household income of $57,000 provides comfortable purchasing power in this market.
Monthly Payment Breakdown for Washington Court House
Based on the median home price of $185,000 with 20% down ($37,000), here is what you can expect to pay monthly in Washington Court House:
15-Year vs. 30-Year Mortgage in Washington Court House
Choosing a 15-year mortgage in Washington Court House at 5.9% instead of a 30-year at 6.63% would save you $117,900 in total interest over the life of the loan. However, your monthly payment would be $1,241 instead of $948 — an increase of $293 per month.
Calculate Your Washington Court House 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 Washington Court House
What are the current mortgage rates in Washington Court House, OH?
As of March 2026, the average 30-year fixed mortgage rate in Washington Court House, Ohio is 6.63%, while the 15-year fixed rate is 5.9%. FHA loans average 6.44% and VA loans 6.19%. These rates are 0.02% below the national average of 6.65%.
How much is a monthly mortgage payment in Washington Court House?
Based on the median home price of $185,000 with 20% down, the estimated monthly mortgage payment in Washington Court House is $948 for principal and interest. Including property taxes of $190/month, the total monthly housing cost is approximately $1,138.
What income do I need to buy a home in Washington Court House?
Using the 28% rule, you would need an annual income of approximately $48,771 to afford the median-priced home in Washington Court House at $185,000. The median household income in Washington Court House is $57,000. The median income is currently sufficient to meet this threshold.
Is Washington Court House a good place to buy a home in 2026?
Washington Court House offers a below-average cost of living with a cost of living index of 86.4 (national average = 100). The property tax rate in Ohio is 1.23%, which is near the national average. Washington Court House has a population of 27,590 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 Washington Court House, Ohio area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.