Cincinnati VA Loan Rates, Closing Costs & Stats

CINCINNATI, OH-KY-IN

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    • A VA loan is a mortgage loan that’s backed by the Department of Veterans Affairs (VA) for those who have served or are presently serving in the U.S. military. The VA does not directly lend, it guarantees the loans made by private lenders to veterans, active military personnel, and qualifying military spouses.

    The most obvious benefit of VA loans is that no downpayment is necessary to purchase a home. They will also typically have significantly lower fees-- meaning that if you're eligible to receive a VA loan, it will likely be the most favorable option. VA loans come in 3 varities: purchase, refinance and cash out refis.

    For additional benefits of VA loans, click here.

    Cincinnati's 141 lenders originated 1,998 VA loans during 2023. The total origination value was $588,250,000, with an average VA loan value of $294,419.

    Cincinnati VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Cincinnati averaged 0.23% for the week of 2024-11-15, compared to the national average (all VA variants) of 0% for the same period.

    Cincinnati's average VA mortgage closing costs are $5,789.

    The average rate for the prior week (2024-11-08) was 6.53% and one month ago for the week of 2024-10-11, the average rate was 6.3%.

    The average rate one year ago was 7.59%.

    For refis of the same type during the week of 2024-11-15, the average rate was 0.52%.

    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

    Cincinnati VA Loan Lenders by Rates & Fees

    The below table looks at the average fees/closing costs and rates for VA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the Cincinnati level.

    Name # of Loans 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Mortgage Research Center, LLC 374 6.79% $6,990
    QUICKEN LOANS, LLC 116 6.21% $12,414
    UNITED WHOLESALE MORTGAGE, LLC 109 6.55% $9,810
    NAVY FEDERAL CREDIT UNION 76 5.93% $6,085
    FREEDOM MORTGAGE CORPORATION 70 6.57% $14,386
    CROSSCOUNTRY MORTGAGE, LLC 64 6.66% $8,972
    NEW DAY FINANCIAL, LLC 44 7.43% $13,293
    USAA Federal Savings Bank 43 6.40% $7,581
    FIRST COMMUNITY MORTGAGE, INC. 40 6.73% $8,703
    PENNYMAC LOAN SERVICES, LLC 40 5.83% $10,612
    NVR Mortgage Finance, Inc. 37 5.43% $6,904
    VICTORY MORTGAGE, L.L.C. 35 5.88% $6,588
    The Federal Savings Bank 30 6.62% $14,434
    NEWREZ LLC 30 6.73% $9,008
    GUARANTEED RATE, INC. 30 6.25% $5,899
    DAS Acquisition Company, LLC 27 6.97% $8,048
    LOANDEPOT.COM, LLC 26 6.35% $11,451
    The Huntington National Bank 25 6.47% $6,333
    Prosperity Home Mortgage, LLC 24 6.20% $8,608
    UNION HOME MORTGAGE CORP. 23 6.95% $7,755
    AMERICAN PACIFIC MORTGAGE CORPORATION 22 6.69% $10,773
    FIRST EQUITY MORTGAGE INCORPORATED 22 5.71% $12,133
    THRIVE MORTGAGE, LLC 22 6.60% $8,484
    DHI MORTGAGE COMPANY, LTD. 20 5.73% $9,719
    Union Savings Bank 20 6.40% $7,593
    Paramount Residential Mortgage Group, Inc. 19 6.69% $9,909
    RAPID MORTGAGE COMPANY 18 6.90% $11,602
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 18 6.88% $6,577
    GUARANTEED RATE AFFINITY, LLC 16 6.68% $5,904
    Fifth Third Bank 16 6.73% $5,605
    Barrington Bank & Trust Company, N.A. 16 6.54% $8,383
    Mr. Cooper ( Nationstar Mortgage ) 15 5.89% $13,026
    RUOFF MORTGAGE COMPANY, INC. 15 7.23% $4,814
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 13 6.94% $7,495
    Plains Commerce Bank 12 6.48% $10,203
    BAYSHORE MORTGAGE FUNDING, LLC 12 6.63% $11,061
    VILLAGE CAPITAL MORTGAGE 12 5.93% $7,647
    SIBCY CLINE MORTGAGE SERVICES, INC. 12 6.68% $6,222
    T2 FINANCIAL LLC 11 6.90% $19,270
    NATIONS RELIABLE LENDING, LLC 11 6.85% $7,083
    PRIMELENDING, A PLAINSCAPITAL COMPANY 10 6.64% $10,569
    STOCKTON MORTGAGE CORPORATION 10 6.16% $10,169
    BROKER SOLUTIONS, INC. 9 6.80% $7,280
    AMERISAVE MORTGAGE CORPORATION 9 5.31% $12,840
    MORTGAGE SOLUTIONS OF COLORADO, LLC 9 7.89% $3,870
    PLANET HOME LENDING, LLC 9 6.13% $13,138
    JPMorgan Chase Bank 8 6.76% $2,921
    MUTUAL OF OMAHA MORTGAGE, INC. 8 6.64% $17,243
    SUCCESS MORTGAGE PARTNERS, INC. 8 6.84% $10,825
    Nations Lending Corporation 8 6.34% $8,121
    CARDINAL FINANCIAL 7 6.62% $9,573
    PNC Bank 7 6.34% $5,770
    NFM, INC. 7 6.98% $10,355
    PENTAGON FEDERAL CREDIT UNION 7 5.39% $7,998
    RiverHills Bank 7 6.46% $4,047
    AMERICAN FINANCIAL NETWORK, INC. 6 6.92% $9,148
    EQUITY RESOURCES, INC. 6 6.83% $7,166
    Guardian Savings Bank, A Federal Savings Bank 6 6.65% $9,638
    Cincinnati Federal 6 6.02% $5,845
    Bank of England 6 6.88% $6,545
    Flagstar Bank, FSB 6 6.13% $11,203
    Wells Fargo Bank 5 5.48% $3,716
    Citizens Bank 5 6.30% $9,604
    1st National Bank 5 6.48% $5,614
    RELIANCE FIRST CAPITAL, LLC 5 6.50% $9,469
    POLARIS HOME FUNDING CORP. 5 6.78% $9,203
    Magnolia Bank 5 6.05% $17,401
    MID AMERICA MORTGAGE, INC. 5 6.83% $4,769
    MOVEMENT MORTGAGE, LLC 5 6.25% $9,397
    VAN DYK MORTGAGE CORPORATION 5 7.03% $6,006
    NBKC BANK 4 6.31% $5,368
    LCNB National Bank 4 6.88% $4,400
    CHURCHILL MORTGAGE CORPORATION 4 6.50% $8,061
    Gateway First Bank 4 6.81% $7,315
    LAKEVIEW LOAN SERVICING, LLC 4 5.84% $7,018
    U.S. Bank 4 6.56% $5,492
    S1L, Inc. 3 5.75% $4,732
    Servion, Inc. 3 7.29% $4,039
    ENDEAVOR CAPITAL, LLC. 3 7.04% $4,488
    First Federal Bank 3 5.96% $8,497
    CMG MORTGAGE, INC. 3 7.17% $9,877
    CALIBER HOME LOANS, INC. 3 6.04% $15,801
    HOMESIDE FINANCIAL, LLC 3 6.17% $5,370
    M/I FINANCIAL, LLC 3 5.88% $8,848
    Heartland Bank 3 6.25% $3,215
    EVERETT FINANCIAL, INC. 3 6.54% $10,340
    Armed Forces Bank 3 6.46% $12,545
    Capital Bank 2 5.94% $7,550
    Equity Prime Mortgage LLC 2 7.44% $16,192
    OPTION FINANCIAL, LLC 2 6.00% $9,289
    Regions Bank 2 6.13% $5,785
    SIRVA MORTGAGE, INC. 2 6.38% $7,968
    The Loan Store, Inc. 2 6.38% $12,620
    Truist 2 6.18% $10,101
    Warsaw Federal Savings and Loan Association 2 6.31% $10,427
    WesBanco 2 5.56% $13,066
    LOANPAL, LLC 1 6.50% $20,935
    PREMIA MORTGAGE, LLC 1 5.50% $5,408
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.75% $3,952
    LIBERTY HOME MORTGAGE CORPORATION 1 7.38% $18,144
    LEADERONE FINANCIAL CORPORATION 1 7.13% $2,642
    J. VIRGIL, INC. 1 6.88% $10,323
    Ixonia Bank 1 6.75% $18,287
    AMERICAN FINANCING CORPORATION 1 5.88% $7,927
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 5.88% $28,761
    Republic Bank & Trust Company 1 6.13% $9,883
    Gulf Coast Bank and Trust Company 1 7.00% $4,290
    ROSS MORTGAGE CORPORATION 1 6.75% $13,681
    ROYAL UNITED MORTGAGE LLC 1 6.75% $8,909
    GUILD MORTGAGE COMPANY 1 6.63% $5,897
    GUARANTY HOME MORTGAGE CORPORATION 1 7.25% $6,692
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.25% $5,350
    George Mason Mortgage, LLC 1 7.13% $18,177
    AMERICAN FINANCIAL RESOURCES, INC. 1 7.25% $7,635
    SOUTH CENTRAL BANK, INC. 1 6.25% $2,584
    SOVEREIGN LENDING GROUP INCORPORATED 1 4.75% $3,108
    Forcht Bank 1 6.38% $2,673
    First Financial Bank 1 7.25% $4,028
    SUMMIT FUNDING, INC. 1 7.75% $16,118
    SUN WEST MORTGAGE COMPANY, INC. 1 6.99% $7,401
    Farmers Bank & Trust 1 4.88% $17,521
    The Central Trust Bank 1 5.25% $3,712
    EVANSVILLE TEACHERS 1 6.00% $2,495
    ENVOY MORTGAGE, LTD 1 6.50% $7,601
    WRIGHT-PATT CREDIT UNION, INC. 1 7.13% $4,825
    EMM LOANS LLC 1 5.88% $11,903
    Traditional Bank, Inc. 1 5.50% $3,110
    AMCAP MORTGAGE, LTD. 1 7.63% $6,711
    Credence Funding Corporation 1 5.75% $9,821
    Century Mortgage Company DBA Century Lending Company 1 7.75% $20,002
    Carrington Mortgage Services, LLC 1 5.13% $2,120
    BNC National Bank 1 5.75% $7,206
    Arvest Bank 1 6.50% $7,310
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.38% $5,160
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 7.13% $70
    NORWICH COMMERCIAL GROUP, INC. 1 6.25% $5,500
    Northpointe Bank 1 7.13% $9,891
    NJ LENDERS CORP. 1 6.13% $2,782
    Mid-Continent Funding, Inc. 1 5.99% $3,331
    MICHIGAN MUTUAL, INC. 1 7.13% $1,726
    Meridian Bank Corporation 1 7.25% $4,345

    The top Cincinnati VA lender as defined by loan originations is Mortgage Research Center, LLC, with 374 VA loans originated. Their average total fees are $6,990, which is $5,424 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Cincinnati VA lenders (with over 10 loans originated) are RUOFF MORTGAGE COMPANY, INC. ($4,814), Fifth Third Bank ($5,605), GUARANTEED RATE, INC. ($5,899), GUARANTEED RATE AFFINITY, LLC ($5,904) and NAVY FEDERAL CREDIT UNION ($6,085).

    The lowest rate Cincinnati VA lenders (with over 10 loans originated) are NVR Mortgage Finance, Inc. (5.43%), FIRST EQUITY MORTGAGE INCORPORATED (5.71%), DHI MORTGAGE COMPANY, LTD. (5.73%), PENNYMAC LOAN SERVICES, LLC (5.83%) and VICTORY MORTGAGE, L.L.C. (5.88%).

    Market Conditions (Median, Average Prices & Listing Count)

    Realtor.com - Cincinnati (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $222,500 (20.7%) $307,339 (9.9%) 0.82 5,218
    2018-02-01 $237,000 (23.9%) $319,983 (11.1%) 0.86 5,010
    2018-03-01 $255,000 (20.3%) $344,718 (12.8%) 0.89 4,838
    2018-04-01 $268,950 (17.5%) $354,734 (11.7%) 0.91 5,011
    2018-05-01 $274,900 (14.8%) $358,952 (11.3%) 0.92 5,302
    2018-06-01 $269,900 (12.5%) $352,269 (9.0%) 0.90 5,805
    2018-07-01 $269,900 (12.5%) $349,730 (9.3%) 0.90 6,180
    2018-08-01 $259,418 (9.5%) $341,535 (7.7%) 0.87 6,449
    2018-09-01 $254,690 (8.4%) $336,675 (6.3%) 0.86 6,630
    2018-10-01 $249,900 (10.1%) $332,396 (6.4%) 0.85 6,708
    2018-11-01 $245,450 (9.1%) $328,228 (6.3%) 0.83 6,595
    2018-12-01 $239,900 (9.1%) $328,874 (7.9%) 0.83 5,922
    2019-01-01 $239,450 (7.6%) $324,059 (5.4%) 0.83 5,386
    2019-02-01 $252,450 (6.5%) $341,348 (6.7%) 0.85 4,951
    2019-03-01 $266,371 (4.5%) $353,633 (2.6%) 0.87 4,923
    2019-04-01 $277,450 (3.2%) $365,085 (2.9%) 0.88 4,960
    2019-05-01 $289,900 (5.5%) $375,756 (4.7%) 0.91 5,143
    2019-06-01 $285,000 (5.6%) $371,223 (5.4%) 0.89 5,255
    2019-07-01 $282,450 (4.7%) $367,857 (5.2%) 0.88 5,398
    2019-08-01 $275,836 (6.3%) $360,267 (5.5%) 0.87 5,479
    2019-09-01 $269,741 (5.9%) $355,702 (5.7%) 0.86 5,495
    2019-10-01 $265,208 (6.1%) $352,658 (6.1%) 0.86 5,493
    2019-11-01 $259,900 (5.9%) $345,346 (5.2%) 0.85 5,173
    2019-12-01 $259,000 (8.0%) $342,009 (4.0%) 0.86 4,605
    2020-01-01 $264,500 (10.5%) $346,436 (6.9%) 0.88 4,108
    2020-02-01 $279,900 (10.9%) $368,272 (7.9%) 0.92 3,598
    2020-03-01 $299,000 (12.3%) $384,791 (8.8%) 0.94 3,506
    2020-04-01 $299,450 (7.9%) $383,323 (5.0%) 0.94 3,565
    2020-05-01 $324,900 (12.1%) $399,801 (6.4%) 0.99 3,432
    2020-06-01 $334,225 (17.3%) $420,800 (13.4%) 0.98 3,165
    2020-07-01 $336,950 (19.3%) $428,223 (16.4%) 0.98 2,926
    2020-08-01 $322,282 (16.8%) $425,901 (18.2%) 0.92 2,956
    2020-09-01 $315,005 (16.8%) $425,724 (19.7%) 0.90 3,004
    2020-10-01 $299,900 (13.1%) $417,208 (18.3%) 0.86 3,058
    2020-11-01 $290,510 (11.8%) $408,504 (18.3%) 0.85 2,959
    2020-12-01 $292,450 (12.9%) $414,041 (21.1%) 0.87 2,570
    2021-01-01 $299,900 (13.4%) $427,965 (23.5%) 0.90 2,178
    2021-02-01 $317,300 (13.4%) $441,337 (19.8%) 0.92 1,783
    2021-03-01 $325,000 (8.7%) $453,223 (17.8%) 0.92 1,715
    2021-04-01 $347,400 (16.0%) $479,569 (25.1%) 0.94 1,690
    2021-05-01 $356,900 (9.9%) $489,372 (22.4%) 0.95 1,861
    2021-06-01 $348,458 (4.3%) $480,220 (14.1%) 0.92 2,102
    2021-07-01 $325,000 (-3.6%) $455,528 (6.4%) 0.86 2,497
    2021-08-01 $315,995 (-2.0%) $433,994 (1.9%) 0.84 2,829
    2021-09-01 $304,950 (-3.2%) $429,369 (0.9%) 0.81 2,853
    2021-10-01 $300,000 (0.0%) $426,638 (2.3%) 0.80 2,715
    2021-11-01 $299,450 (3.1%) $420,985 (3.1%) 0.80 2,464
    2021-12-01 $296,950 (1.5%) $426,952 (3.1%) 0.80 2,127
    2022-01-01 $299,900 (0.0%) $435,203 (1.7%) 0.81 1,806
    2022-02-01 $322,000 (1.5%) $461,596 (4.6%) 0.84 1,446
    2022-03-01 $319,450 (-1.7%) $458,633 (1.2%) 0.80 1,401
    2022-04-01 $324,800 (-6.5%) $453,574 (-5.4%) 0.77 1,469
    2022-05-01 $324,950 (-9.0%) $449,609 (-8.1%) 0.74 1,855
    2022-06-01 $325,000 (-6.7%) $449,907 (-6.3%) 0.72 2,159
    2022-07-01 $315,000 (-3.1%) $435,575 (-4.4%) 0.71 2,530
    2022-08-01 $322,375 (2.0%) $435,786 (0.4%) 0.75 2,604
    2022-09-01 $325,000 (6.6%) $443,643 (3.3%) 0.76 2,510
    2022-10-01 $324,900 (8.3%) $443,816 (4.0%) 0.76 2,745
    2022-11-01 $325,000 (8.5%) $444,280 (5.5%) 0.78 2,715
    2022-12-01 $325,000 (9.5%) $446,899 (4.7%) 0.80 2,353
    2023-01-01 $327,450 (9.2%) $452,234 (3.9%) 0.81 2,050
    2023-02-01 $359,950 (11.8%) $489,466 (6.0%) 0.87 1,736
    2023-03-01 $367,347 (15.0%) $505,645 (10.3%) 0.87 1,672
    2023-04-01 $385,000 (18.5%) $511,811 (12.8%) 0.90 1,838
    2023-05-01 $389,500 (19.9%) $518,492 (15.3%) 0.88 1,906
    2023-06-01 $389,900 (20.0%) $510,455 (13.5%) 0.88 2,124
    2023-07-01 $383,367 (21.7%) $513,414 (17.9%) 0.87 2,250
    2023-08-01 $375,000 (16.3%) $502,303 (15.3%) 0.86 2,425
    2023-09-01 $372,500 (14.6%) $497,661 (12.2%) 0.87 2,664
    2023-10-01 $356,450 (9.7%) $483,367 (8.9%) 0.84 2,924
    2023-11-01 $344,153 (5.9%) $465,584 (4.8%) 0.82 3,028
    2023-12-01 $335,000 (3.1%) $454,966 (1.8%) 0.82 2,773
    2024-01-01 $329,900 (0.8%) $451,122 (-0.3%) 0.81 2,451
    2024-02-01 $336,850 (-6.4%) $469,102 (-4.2%) 0.81 2,190
    2024-03-01 $350,000 (-4.7%) $489,433 (-3.2%) 0.82 2,142
    2024-04-01 $374,998 (-2.6%) $495,292 (-3.2%) 0.87 2,264
    2024-05-01 $383,375 (-1.6%) $507,104 (-2.2%) 0.87 2,419
    2024-06-01 $379,900 (-2.6%) $505,407 (-1.0%) 0.85 2,768
    2024-07-01 $359,500 (-6.2%) $481,075 (-6.3%) 0.82 3,029
    2024-08-01 $349,900 (-6.7%) $465,165 (-7.4%) 0.81 3,364
    2024-09-01 $337,000 (-9.5%) $458,804 (-7.8%) 0.79 3,582
    2024-10-01 $331,460 (-7.0%) $450,124 (-6.9%) 0.78 3,677
    Cincinnati's median listing price for 2024-10-01 was $331,460, a difference of $-24,990 (-7.0%) versus the prior year and $-5,540 versus the prior month.

    Cincinnati's median listing price comes in at 78% of the national average.

    Cincinnati's average listing price for 2024-10-01 was $450,124, a difference of $-33,243 (-6.9%) versus the prior year and $-8,680 versus the prior month.

    For the 2024-10-01 period, Cincinnati had 3,677 MLS listings, a difference of 95 listings (3%) versus the prior month and 753 listings (26%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Cincinnati (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 78 days 1,860 sqft
    2018-02-01 69 days 1,886 sqft
    2018-03-01 48 days 2,008 sqft
    2018-04-01 44 days 2,100 sqft
    2018-05-01 39 days 2,142 sqft
    2018-06-01 40 days 2,120 sqft
    2018-07-01 43 days 2,106 sqft
    2018-08-01 45 days 2,068 sqft
    2018-09-01 49 days 2,019 sqft
    2018-10-01 52 days 1,985 sqft
    2018-11-01 54 days 1,956 sqft
    2018-12-01 64 days 1,925 sqft
    2019-01-01 72 days 1,897 sqft
    2019-02-01 67 days 1,963 sqft
    2019-03-01 51 days 2,011 sqft
    2019-04-01 43 days 2,057 sqft
    2019-05-01 40 days 2,119 sqft
    2019-06-01 42 days 2,119 sqft
    2019-07-01 46 days 2,114 sqft
    2019-08-01 47 days 2,071 sqft
    2019-09-01 49 days 2,031 sqft
    2019-10-01 50 days 2,000 sqft
    2019-11-01 52 days 1,971 sqft
    2019-12-01 64 days 1,937 sqft
    2020-01-01 71 days 1,943 sqft
    2020-02-01 61 days 2,032 sqft
    2020-03-01 45 days 2,096 sqft
    2020-04-01 45 days 2,091 sqft
    2020-05-01 47 days 2,177 sqft
    2020-06-01 45 days 2,211 sqft
    2020-07-01 43 days 2,188 sqft
    2020-08-01 38 days 2,122 sqft
    2020-09-01 37 days 2,046 sqft
    2020-10-01 37 days 1,997 sqft
    2020-11-01 40 days 1,899 sqft
    2020-12-01 52 days 1,883 sqft
    2021-01-01 54 days 1,842 sqft
    2021-02-01 50 days 1,832 sqft
    2021-03-01 33 days 1,860 sqft
    2021-04-01 31 days 1,934 sqft
    2021-05-01 24 days 1,993 sqft
    2021-06-01 24 days 1,942 sqft
    2021-07-01 25 days 1,861 sqft
    2021-08-01 28 days 1,812 sqft
    2021-09-01 33 days 1,792 sqft
    2021-10-01 36 days 1,762 sqft
    2021-11-01 38 days 1,731 sqft
    2021-12-01 46 days 1,680 sqft
    2022-01-01 57 days 1,680 sqft
    2022-02-01 51 days 1,674 sqft
    2022-03-01 31 days 1,686 sqft
    2022-04-01 24 days 1,687 sqft
    2022-05-01 21 days 1,749 sqft
    2022-06-01 22 days 1,802 sqft
    2022-07-01 25 days 1,791 sqft
    2022-08-01 30 days 1,784 sqft
    2022-09-01 36 days 1,792 sqft
    2022-10-01 33 days 1,836 sqft
    2022-11-01 40 days 1,828 sqft
    2022-12-01 51 days 1,800 sqft
    2023-01-01 55 days 1,811 sqft
    2023-02-01 49 days 1,821 sqft
    2023-03-01 38 days 1,836 sqft
    2023-04-01 31 days 1,914 sqft
    2023-05-01 32 days 2,006 sqft
    2023-06-01 30 days 2,005 sqft
    2023-07-01 31 days 1,974 sqft
    2023-08-01 32 days 1,968 sqft
    2023-09-01 32 days 1,973 sqft
    2023-10-01 33 days 1,937 sqft
    2023-11-01 38 days 1,888 sqft
    2023-12-01 44 days 1,830 sqft
    2024-01-01 54 days 1,789 sqft
    2024-02-01 39 days 1,796 sqft
    2024-03-01 37 days 1,847 sqft
    2024-04-01 32 days 1,878 sqft
    2024-05-01 29 days 1,880 sqft
    2024-06-01 30 days 1,876 sqft
    2024-07-01 32 days 1,840 sqft
    2024-08-01 33 days 1,780 sqft
    2024-09-01 38 days 1,755 sqft
    2024-10-01 37 days 1,735 sqft
    Cincinnati's median listing age (time on market) for 2024-10-01 was 37 days. This is 14% longer than the same period one year ago.

    Cincinnati's median square footage for active listings during the 2024-10-01 period was 1,735 sqft. One year prior, the average listing was 1,937 sqft.

    VA Loan Features

  • No down payment required
  • Negotiable and competitive interest rate.
  • Ability to finance the VA funding fee (plus reduced funding fees with a down payment of at least 5 percent and exemption for veterans receiving VA compensation).
  • VA rules limit the amount you can be charged for closing costs.
  • Closing costs are comparable with other financing types (and may be lower).
  • Closing costs may be paid by the seller.
  • No private mortgage insurance premiums are required.
  • An assumable mortgage.
  • Right to prepay your mortgage without penalty.
  • For homes inspected by VA during construction, a warranty from builder and assistance from VA to obtain cooperation of builder.
  • VA assistance to veteran borrowers in default due to temporary financial difficulty.