Mortgage Rates in Xenia, Ohio — March 2026
Updated March 2026 | Based on Xenia market data and regional lending conditions
Xenia is a growing city in Ohio with a population of 27,555. The current 30-year fixed mortgage rate in Xenia is 6.66%, which is 0.01% above the national average. With a median home price of $172,000 and a 20% down payment of $34,400, homebuyers can expect a monthly principal and interest payment of approximately $884.
Current Mortgage Rates in Xenia, OH
Below are the current average mortgage rates available in the Xenia 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 | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.91% | 6.85% | +0.06% |
Xenia Housing Market Overview
The Xenia housing market offers relatively affordable housing compared to many major cities. The median household income in Xenia is $56,300, and the cost of living index is 85.6 (national average = 100). Based on the 28% affordability rule, the median income in Xenia is sufficient to afford the median-priced home.
Monthly Payment Breakdown for Xenia
Based on the median home price of $172,000 with 20% down ($34,400), here is what you can expect to pay monthly in Xenia:
15-Year vs. 30-Year Mortgage in Xenia
Choosing a 15-year mortgage in Xenia at 5.92% instead of a 30-year at 6.66% would save you $110,340 in total interest over the life of the loan. However, your monthly payment would be $1,155 instead of $884 — an increase of $271 per month.
Calculate Your Xenia 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 Xenia
What are the current mortgage rates in Xenia, OH?
As of March 2026, the average 30-year fixed mortgage rate in Xenia, Ohio is 6.66%, while the 15-year fixed rate is 5.92%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.01% above the national average of 6.65%.
How much is a monthly mortgage payment in Xenia?
Based on the median home price of $172,000 with 20% down, the estimated monthly mortgage payment in Xenia is $884 for principal and interest. Including property taxes of $225/month, the total monthly housing cost is approximately $1,109.
What income do I need to buy a home in Xenia?
Using the 28% rule, you would need an annual income of approximately $47,529 to afford the median-priced home in Xenia at $172,000. The median household income in Xenia is $56,300. The median income is currently sufficient to meet this threshold.
Is Xenia a good place to buy a home in 2026?
Xenia offers a below-average cost of living with a cost of living index of 85.6 (national average = 100). The property tax rate in Ohio is 1.57%, which is above the national average. Xenia has a population of 27,555 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 Xenia, Ohio area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.