Bath, Ohio Mortgage Rates - August 2026
Brian McKay
Brian McKay
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Current 30-year fixed mortgage rates in Bath, Ohio include GenFed Financial Credit UnionGenFed Financial Credit UnionA+5.0 ★Texas Ratio: 4.20% at 5.49%, First Mutual Bank, FSBFirst Mutual Bank, FSBA5.0 ★Texas Ratio: 8.08% at 5.75%, Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.04% at 6.38%, Dollar Bank, Federal Savings BankDollar Bank, Federal Savings BankA+5.0 ★Texas Ratio: 5.39% at 6.50%, and Cincinnatus S&L Co.Cincinnatus S&L Co.A+5.0 ★Texas Ratio: 1.63% at 6.50%. Mortgage rates as of August 28, 2026 according to verified data from MonitorBankRates.
Bath borrowers can compare 69 mortgage rates from 25 lenders serving the Ohio area, with mortgage rates as low as 5.49% from GenFed Financial Credit Union. Use the tabs below to compare available loan types. Rates are continually updated — we recommend checking back frequently.
Mortgage Rates reflect actual verified offers from lenders actively lending to Ohio borrowers. Your final approved rate will depend on your credit profile, loan-to-value ratio, and daily market movements. Last Updated and Verified: August 28, 2026
Compare Mortgage Rates Today in Bath, Ohio & the Surrounding Area
Bath 30 Year Fixed Mortgage Rates
All loans subject to approval and terms. Rates include all possible discounts. Contact us to determine which discounts apply to you.
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Rate as low as 6.375%
Fixed rates are based on loan amounts up to $806,500 and ARM rates up to $2,000,000 with a down payment of 20% and FHA fixed rates up to the maximum FHA county limit with a down payment of 3.50%. Monthly payment estimates do not include amounts for taxes, insurance and flood insurance (if applicable). The annual percentage rates (APR) displayed assume a loan amount of $150,000, 20% down and 30 days prepaid interest. You will incur additional closing costs. Prepaid finance charges, which are used in the calculation of the APR, are estimated to be $1,860 (these include the flood search, origination charge, discount points and closing service letter fee). The annual percentage rates (APR) does not include private mortgage insurance because the amount will vary depending upon your loan to value and other factors. Please contact us at 1-877-261-2820 or [email protected] to learn about how private mortgage insurance may affect your loan and other closing costs you will incur. Adjustable-rate loan interest rates may increase after loan closing.
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Principal and Interest payment only. Taxes and insurance not included. Your monthly obligation may be higher.
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Rates as low as 6.649 % APR
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Rates listed include 0.125% autopay and paperless discount. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction.
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Bath 15 Year Fixed Mortgage Rates
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Fixed rates are based on loan amounts up to $806,500 and ARM rates up to $2,000,000 with a down payment of 20% and FHA fixed rates up to the maximum FHA county limit with a down payment of 3.50%. Monthly payment estimates do not include amounts for taxes, insurance and flood insurance (if applicable). The annual percentage rates (APR) displayed assume a loan amount of $150,000, 20% down and 30 days prepaid interest. You will incur additional closing costs. Prepaid finance charges, which are used in the calculation of the APR, are estimated to be $1,860 (these include the flood search, origination charge, discount points and closing service letter fee). The annual percentage rates (APR) does not include private mortgage insurance because the amount will vary depending upon your loan to value and other factors. Please contact us at 1-877-261-2820 or [email protected] to learn about how private mortgage insurance may affect your loan and other closing costs you will incur. Adjustable-rate loan interest rates may increase after loan closing.
Rate as low as 5.625%
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Rates listed include 0.125% autopay and paperless discount. Rates include a 0.125 percentage point reduction which requires a Citizens consumer checking account set up at time of loan origination with automatic monthly payment deduction.
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Principal and Interest payment only. Taxes and insurance not included. Your monthly obligation may be higher.
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As low as
As low as
Bath 5/1 ARM Mortgage Rates
As low as; 5/5 (15-year term)
As low as; 5/5 (20-year term)
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As low as; 5/5 (30-year term)
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Fully Indexed Rate: 6.885% Maximum Interest Rate: 10.250% Months to First Rate Adjustment: 60 Months Permanent Loan Payment Stream
Rate as low as 5.250%
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Introductory rate for 5 years, then a variable rate of at least 4.99% for 25 years. The Annual Percentage Rate may increase after the loan is closed. Payment $599.55 for 60 Months, then 300 payments of at least $657.69
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Bath 30-Year Jumbo Mortgage Rates
Advertised rate of Jumbo 3/1 ARM and Jumbo 30-year fixed rate are based on a $1,000,000 loan amount. Payment Example (based on $1,000,000 loan amount): $1,000,000 financed for 360 months at an initial rate of 5.50% and 5.64% APR results in an initial monthly principal and interest payment of $5,677.89 for the first 36 months. After the initial 3 years, the fully indexed Annual Percentage Rate (APR), based on rates as of 03/01/2026, of 6.25% is in effect for the remaining 324 months and can change once every year for the remaining life of the loan. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater. Rates are variable and subject to change after 3 years and your payment may increase or decrease as rates change
Advertised rate of Jumbo 3/1 ARM and Jumbo 30-year fixed rate are based on a $1,000,000 loan amount. Payment example (based on $1,000,000 loan amount): $1,000,000 financed for 360 months at a fixed rate of 6.00% and 6.14% APR equals a monthly principal and interest payment of $5,995.51. Payment example does not include amounts for taxes and insurance premiums. If applicable, actual payment obligation will be greater.
Rate as low as 6.250%
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Bath 15-Year Jumbo Mortgage Rates
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Bath 5/1 Jumbo ARM Mortgage Rates
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Bath FHA Loan Rates
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Bath VA Loan Rates
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Banks and Credit Unions: If you need to update your rate data or request removal from MonitorBankRates.com, please contact us here.
Bath, OH Mortgage Rate Trends
Compare local Bath, OH mortgage rate quotes against the statewide average
Daily mortgage rate averages tracked across our database of verified mortgage rate quotes — updated every evening.
Ohio 30-year fixed rates rose 0.013 points over the past 7 days to 6.806%.
Ohio 15-year fixed rates fell 0.002 points over the past 7 days to 6.207%.
Ohio Mortgage Rate Forecast — Next 12 Months
Where are Ohio mortgage rates headed through August 2027?
Based on Fed funds rate futures, 10-year Treasury path, and historical mortgage spread model. Not financial advice.
What Forecast Rates Mean for Bath, OH Home Buyers
Monthly principal & interest payment on Bath, OH median home of $303,400 (20% down, 30-year fixed, city-level Census ACS median)
| Scenario | Rate | Mo. Payment | vs. Today | % of Income |
|---|---|---|---|---|
| Today (OH avg) | 6.806% | $1,583 | — | 26.6% |
| 6-Month Forecast | 6.806% (6.46–7.11%) | $1,583 | +$0/mo | 26.6% |
| 12-Month Forecast | 6.406% (6.06–6.71%) | $1,519 | -$64/mo | 25.5% |
Income column = annual mortgage payment as % of Bath, OH median household income ($71,389). Above 30% is generally considered cost-burdened.
MonitorBankRates Housing Affordability Index (MBR-HAI)
A daily-updated affordability score for Bath, Ohio — computed from local Census Bureau data combined with current Ohio mortgage rates. Based on Ohio statewide data for this location.
What This Score Means for Bath, Ohio Home Buyers
With a score of 107.5, Bath, Ohio is 8.1 points more affordable than the national average of 99.4. The area’s median home value of $214,800 against a median household income of $71,389 produces a price-to-income ratio of 3x — relatively affordable compared to national levels. At the current Ohio mortgage rate of 6.806%, a buyer purchasing the median-priced home with 20% down would carry a monthly payment of approximately $1,121 in principal and interest.
Beyond the mortgage payment, the median total monthly owner cost in this area is $1,111 — covering mortgage, property taxes, insurance, and utilities. Property taxes alone average $225/month ($2,697/year). These ongoing costs factor directly into the MBR-HAI alongside the mortgage rate and income data.
Score computed from Ohio statewide U.S. Census Bureau ACS 5-Year Estimates (2024) and CPS/HVS Q4 2025 data, combined with the current Ohio live mortgage rate. Score of 100 = national average at 6.5% reference rate. Full methodology →
How Mortgage Rates Impact Home Affordability in Bath, Ohio
Bath, Ohio Housing Market Overview
City-level home value data is not available for Bath — figures below reflect Ohio statewide data.
The Ohio statewide median owner-occupied home value is approximately $214,800, according to the U.S. Census Bureau. The 2026 FHFA conforming loan limit for this area is $832,750 — meaning most buyers financing at 80% LTV will qualify for conforming loan pricing, making rate comparison across local lenders especially valuable.
Bath, Ohio Homeownership Rate
With a homeownership rate of 72.1% — well above the national average of 65.7% — Bath, Ohio has a strong ownership culture, making competitive mortgage rates especially important for buyers entering the market. The homeowner vacancy rate of 0.4% signals a tight market with limited available inventory — making it critical to secure the best possible rate quickly when a suitable property becomes available.
Monthly Payment Estimates for Bath, Ohio Buyers
Even a small difference in your interest rate can add up to tens of thousands of dollars over the life of a loan. The table below shows monthly principal and interest payments on a $400,000 mortgage.
| Interest Rate | Loan Term | Monthly Payment | Total Interest Paid |
|---|---|---|---|
| 6.306% | 30-year fixed | $2,477 | $491,884 |
| 6.806% Current Avg | 30-year fixed | $2,609 | $539,348 |
| 7.306% | 30-year fixed | $2,744 | $587,809 |
| 6.207% | 15-year fixed | $3,420 | $215,658 |
A 0.500% rate increase on a $400,000 loan adds roughly $135 per month and over $48,462 in total interest over a 30-year term. That’s why comparing verified, current rates from multiple lenders — using the rate table above — is one of the most impactful financial decisions a Bath, Ohio buyer can make.
Data sources: U.S. Census Bureau; Federal Housing Finance Agency (FHFA). Monthly payments shown are principal & interest only — taxes, insurance, and PMI not included.
Bath, Ohio Income & Housing Affordability
City-level Census data is not available for Bath — figures below reflect Ohio statewide data.
At a price-to-income ratio of 3x, Ohio is a relatively affordable housing market compared to national averages. That ratio — median home value divided by median household income — is a standard benchmark used by housing economists to gauge how accessible homeownership is relative to local earnings. The national baseline is approximately 3.8x.
What This Means for Ohio Buyers
With a median household income of $71,389 per year in Ohio statewide ($5,949/month) and a median home value of approximately $214,800, a buyer financing at 80% LTV at the current average rate would commit roughly 43.9% of gross monthly income to principal and interest alone. That exceeds the 43% debt-to-income ceiling most conventional lenders use as their maximum qualification threshold — meaning many buyers must bring a larger down payment, add a co-borrower, or target lower price points to qualify.
Data sources: U.S. Census Bureau. Monthly payment estimate assumes 80% LTV at current average rate; principal and interest only.
Full Cost of Homeownership in Bath, Ohio
A mortgage payment is just the starting point. Property taxes, insurance, and utilities add hundreds of dollars per month to the true cost of owning a home in Bath, Ohio. Understanding the full picture before you buy is the difference between a home you can afford and one that stretches you thin.
Owner vs. Renter Costs
In Bath, Ohio, the median homeowner with a mortgage pays approximately $1,111/month in total housing costs — covering the mortgage payment, property taxes, insurance, and utilities. The median renter pays $1,034/month including utilities. The $77/month difference between owning and renting is relatively narrow — worth factoring carefully into a rent vs. buy analysis given that owners also build equity over time. Property taxes alone account for $225/month of the ownership cost, a figure that can vary dramatically by location and is often underestimated by first-time buyers.
Housing Cost Burden
The federal standard defines “cost burdened” as spending more than 30% of gross household income on housing. “Severely cost burdened” means spending 50% or more. Both thresholds leave little room for savings, emergencies, or other financial goals.
In Bath, Ohio, 21.1% of homeowners with mortgages are cost burdened and 44.2% of renters are cost burdened. Renters face significantly higher burden rates than owners — a pattern that often reflects lower renter incomes rather than lower rental costs, and one that can make the path from renting to owning financially difficult even when mortgage payments might be affordable. The 21.1% owner burden rate is below the national average of 28.0%, suggesting this market offers relatively manageable ownership costs relative to local incomes.
Data sources: U.S. Census Bureau, American Community Survey 5-Year Estimates. Monthly owner costs include mortgage payment, taxes, insurance, and utilities. Property taxes reflect median annual taxes for mortgage holders. Rent reflects median gross rent including utilities. Cost burden figures reflect households spending 30%+ of gross income on housing.
Bath, Ohio Mortgage Payment Calculator
See your estimated monthly principal & interest payment at today’s Bath, Ohio rates. The home price is prefilled with the local median home value — adjust anything, or click a current rate on the right to apply that loan type’s rate and term instantly.
Principal & interest only — excludes property taxes, homeowners insurance, PMI, and HOA dues. See the Full Cost of Homeownership section above for those figures. Estimates are for informational purposes only.
Run the Numbers on Your Bath, Ohio Home Loan
Rates are only part of the equation. Use these calculators to translate current Bath, Ohio mortgage rates into real numbers for your specific situation — before you talk to a lender.
Enter your loan amount, interest rate, and term length to see your estimated monthly principal and interest payment. Adjust any variable to model different scenarios — a larger down payment, a shorter term, or a rate a quarter-point lower than what you were quoted.
CalculateTell us your gross income, monthly debt obligations, and how much you have for a down payment. We’ll show you the home price range you’re likely to qualify for at current Bath, Ohio rates — so you can shop with a realistic number in mind rather than discovering your ceiling after you’ve fallen in love with a property.
CalculateIf you already own a home, enter your current rate, remaining loan balance, and the rate you’ve been quoted to refinance. The calculator shows your new monthly payment, how much you’d save each month, and the break-even point — the number of months it takes for your savings to cover the closing costs of refinancing.
CalculateBuying isn’t always the better financial decision, and renting isn’t always throwing money away. This calculator weighs the full cost of each path — mortgage payments, taxes, insurance, and maintenance against rent increases and the opportunity cost of a down payment — to show which option builds more wealth over your intended time horizon in Bath, Ohio.
CalculateTypes of Mortgages Available in Bath, Ohio
Not every loan program is right for every buyer in Bath, Ohio. Rates, down payment requirements, eligibility rules, and long-term costs vary significantly across products — and the right choice depends on your credit profile, how long you plan to stay, and whether you qualify for any government-backed programs.
Fixed-Rate Mortgage
A fixed-rate mortgage locks your interest rate in for the entire loan term — your principal and interest payment on day one is identical to payment 360. That predictability is valuable for long-term financial planning, especially in markets where housing costs represent a large share of household income.
Available in 10-, 15-, 20-, and 30-year terms. The 30-year minimizes monthly payments; the 15-year cuts total interest paid dramatically but requires a higher monthly commitment. The payment comparison table above shows exactly how those trade-offs look at today’s Bath, Ohio rate levels.
Adjustable-Rate Mortgage (ARM)
An ARM offers a fixed introductory rate for an initial period — commonly 5, 7, or 10 years — after which the rate adjusts periodically based on a market index. The starting rate is typically lower than a comparable fixed-rate loan, which reduces your monthly payment during the initial window.
ARMs work best when you have a defined exit timeline: if you plan to sell or refinance before the fixed period ends, you capture the lower rate without exposure to future adjustments. Rate caps govern how much the rate can move at each adjustment and in total, so read those terms closely before committing.
FHA Loan
Backed by the Federal Housing Administration, FHA loans are built for buyers who don’t yet meet conventional loan standards. You can qualify with a credit score of 580 and just 3.5% down — and some lenders will consider scores as low as 500 with a 10% down payment.
The cost of that lower barrier is mortgage insurance. FHA loans carry an upfront MIP of 1.75% of the loan amount (which can be rolled in) plus an annual MIP of 0.15%–0.75% depending on your term and LTV. For buyers who would otherwise wait years to save a larger down payment — given ongoing home price trends in Bath, Ohio — FHA is often the faster path to ownership.
VA Loan
Available to eligible active-duty service members, veterans, reservists, National Guard members, and qualifying surviving spouses, VA loans are among the most favorable mortgage programs available anywhere. No down payment is required, there is no monthly mortgage insurance, and rates are generally competitive with — and often better than — conventional loan rates.
A one-time funding fee applies — 2.15% of the loan for first-time VA borrowers with no down payment — which can be financed into the loan. In Bath, Ohio, where home prices require substantial savings for a conventional down payment, the zero-down VA benefit is an enormous advantage for those who qualify.
Jumbo Loan
The 2026 FHFA conforming loan limit for Bath, Ohio is $832,750. Mortgages above that amount are classified as jumbo loans and are not eligible for purchase by Fannie Mae or Freddie Mac, which means lenders carry the full risk — and price that risk accordingly.
Jumbo underwriting is stricter: lenders typically require a credit score of 700 or higher, substantial cash reserves, thorough income documentation, and a down payment of at least 10–20%. Rates may run slightly above conforming levels, though the gap narrows in competitive lending environments.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Bath, Ohio mortgage rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Mortgage Rate Data: We aggregate mortgage and refinance rates for Bath, Ohio directly from the official websites of local lenders, credit unions, and national mortgage originators using our proprietary rate aggregation technology and a dedicated team of rate updaters. Every rate displayed is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available home loan products in Bath, Ohio. We feature a comprehensive mix of licensed NMLS financial institutions — from neighborhood credit unions and competitive regional banks to large national originators available to borrowers in OH.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update mortgage rates daily. Because rates and APRs can fluctuate rapidly based on bond markets and economic conditions, every loan product features its own “last updated” date for full transparency.
Proprietary Lender Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you compare rates from secure, reliable lenders.
How a Mortgage Works in Bath, Ohio
A mortgage is a loan used to buy a home in Bath, Ohio, secured by the property itself as collateral. The borrower repays the amount over a set term, most commonly 30 or 15 years, in monthly installments that cover both principal and interest. Because the loan is secured, the lender can foreclose on the home if payments are not made, which is part of why mortgage rates are lower than rates on unsecured debt.
Fixed-Rate vs. Adjustable-Rate Mortgages for Bath, Ohio Buyers
A fixed-rate mortgage keeps the same interest rate for the entire term, so a Bath, Ohio homeowner’s principal-and-interest payment never changes. For example, GenFed Financial Credit Union is listing a 30 Year Mortgage (Fixed) at 5.49%. An adjustable-rate mortgage (ARM) starts with a fixed period, often five, seven, or ten years, and then adjusts periodically based on a market index. ARMs usually open with a lower rate, but the payment can rise once the fixed period ends, so they tend to suit Bath, Ohio borrowers who expect to move or refinance before that point. On the adjustable-rate side, Sun Federal Credit Union is listing a Adjustable-Rate Mortgages (ARMs) 5/5 at 5.75%.
How Bath, Ohio Mortgage Rates Are Set
Mortgage rates move with the broader bond market, particularly the yield on the 10-year Treasury, plus a spread that reflects lender costs and risk. On top of that national baseline, the rate a Ohio borrower is offered depends on individual factors: credit score, down payment size, loan amount, loan type, and the property itself. This is why the advertised rates above are a starting point, and a borrower’s final rate is set once an application is underwritten.
Points and Closing Costs in Bath, Ohio
The interest rate is not the only cost of buying a home in Bath, Ohio. Discount points are an optional upfront fee (one point equals one percent of the loan amount) paid to lower the rate over the life of the loan. Closing costs cover items such as origination fees, appraisal, title insurance, and recording, and typically run two to five percent of the loan. Comparing the annual percentage rate (APR) alongside the note rate helps Bath, Ohio shoppers account for these costs when weighing lenders.
When Bath, Ohio Homeowners Should Consider Refinancing
Refinancing replaces an existing mortgage with a new one, usually to secure a lower rate, change the term, or tap home equity. For Bath, Ohio homeowners, the general guideline is that refinancing makes sense when the savings from a lower rate recoup the closing costs within the time the borrower plans to stay in the home, known as the break-even point. Borrowers also refinance to switch from an adjustable rate to a fixed rate, or to remove mortgage insurance once enough equity has built up.
Frequently Asked Questions about Mortgage Rates in Bath, Ohio
How does my credit score affect my rate in Ohio?
What is a 30-Year Fixed Mortgage?
What are closing costs in Ohio?
Should I lock my mortgage rate?
What is an Adjustable-Rate Mortgage (ARM)?
What is a Jumbo Loan in Bath, Ohio?
Do I need 20% down to buy a house in Ohio?
What is the difference between Interest Rate and APR?
How do I find the best lender in Bath, Ohio?
What is the homeownership rate in Bath, Ohio?
What is the conforming loan limit in Bath, Ohio?
What is the median monthly cost of homeownership in Bath, Ohio?
What are the median property taxes in Bath, Ohio?
What is the median rent in Bath, Ohio?
What percentage of homeowners are cost burdened in Bath, Ohio?
What percentage of renters are cost burdened in Bath, Ohio?
What are the best Mortgage rates in Bath, Ohio?
- GenFed Financial Credit Union: 5.49% (30 Year Mortgage (Fixed))
- First Mutual Bank, FSB: 5.75% (30-Year Fixed Mortgage Special)
- Baxter Credit Union: 6.38% (30 Year Fixed)
- Dollar Bank, Federal Savings Bank: 6.50% (30 Year Fixed Rate)
- Cincinnatus S&L Co.: 6.50% (30 Year Fixed Rate)
