Mortgage Rates in Dayton, OH: Today's Averages & 2026 Outlook
Dayton 30-year fixed rates are running around 6.88% — roughly 3 bps above the national average of 6.85%. Here's how Dayton rates stack up, what drives the metro spread, and the payment math on a typical Dayton home.
Today's Dayton rates by loan type
Estimates for Dayton based on the current national 30-year average of 6.85% plus the metro's typical spread (+3 bps). Live national rate sourced daily from Freddie Mac PMMS. Your actual quote will depend on your credit, down payment, and lender.
What drives Dayton mortgage rates
The national 30-year average sets the floor for every Dayton lender. But the $Dayton-Kettering-Beavercreek metro typically prices about 3 basis points above that national benchmark because of local dynamics.
Local market read. Highly affordable; FHA share elevated.
Who's lending. Regional banks and non-bank retail split share.
Median deal size. A typical Dayton loan is around $185,000 on a $205,000 home. That sits well inside conforming loan limits, so most Dayton buyers get standard agency pricing.
What a typical Dayton payment looks like
| Line item | Estimate |
|---|---|
| Median home price (Dayton-Kettering-Beavercreek) | $205,000 |
| Median loan amount | $185,000 |
| 30-yr rate (Dayton avg) | 6.88% |
| Monthly principal & interest | $1,216 |
| Est. full PITI (add ~30% for taxes/insurance) | ~$1,581 |
Directional math for Dayton in 2026. Add property taxes, homeowners insurance, PMI (if less than 20% down), and any HOA dues for full monthly cost. Our mortgage calculator lets you plug in your exact numbers.
More on buying in Ohio
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Dayton mortgage rates: FAQ
What is today's mortgage rate in Dayton, OH?▾
The average 30-year fixed mortgage rate in Dayton is around 6.88% — 15-year fixed near 6.13%, FHA around 6.63%, VA around 6.53%. That's roughly 3 bps above the current US 30-year average of 6.85%. Your actual rate depends on credit score, down payment, loan type, and lender competition — always compare Loan Estimates from at least three lenders.
How do Dayton mortgage rates compare to the national average?▾
Dayton rates typically sit slightly above (about 3 bps higher than) the US 30-year average. The metro spread reflects local lender competition, loan mix, and property-tax/insurance dynamics specific to the Dayton-Kettering-Beavercreek area.
What's the median home price in Dayton?▾
The median home price in the Dayton-Kettering-Beavercreek metro is about $205,000, with a typical loan amount of $185,000 at conventional LTVs. At today's 6.88% rate, principal and interest on that loan runs about $1,216/month — before property taxes, homeowners insurance, and (if applicable) PMI or HOA dues.
Who are the top lenders in Dayton?▾
Regional banks and non-bank retail split share. You'll get the best rate by comparing at least three Loan Estimates — a mix of a national non-bank lender, a local credit union, and (for higher loan amounts) a portfolio bank tends to reveal the best pricing for your specific profile.
Should I lock my rate now or wait in Dayton?▾
Highly affordable; FHA share elevated. On rate timing itself, no one can call the exact peak or trough — but if the payment on your target Dayton home works today at 6.88%, locking and refinancing later if rates fall is a well-worn playbook. Our Right-Time-to-Buy tool models the wait-vs-buy math for you.