Cincinnati VA Loan Rates, Closing Costs & Stats

CINCINNATI, OH-KY-IN

  • JUMP TO:
  • Trends
  • Rates vs Fees
  • Top Lenders
  • Markets
  • Market Conditions & Pricing
  • Time on Market/Property Size

    • 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 148 lenders originated 2,861 VA loans during 2024. The total origination value was $896,165,000, with an average VA loan value of $313,235.

    Cincinnati VA Loans, 30 Year Fixed Rates

    30 Year VA mortgages in Cincinnati averaged 6.91% for the week of 2025-05-23, compared to the national average (all VA variants) of 6.52% for the same period.

    Cincinnati's average VA mortgage closing costs are $6,018.

    The average rate for the prior week (2025-05-16) was 7% and one month ago for the week of 2025-04-18, the average rate was 6.67%.

    The average rate one year ago was 6.79%.

    For refis of the same type during the week of 2025-05-23, the average rate was 6.7%.

    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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    Mortgage Research Center, LLC 452 6.31% $6,260
    UNITED WHOLESALE MORTGAGE, LLC 280 6.01% $7,122
    QUICKEN LOANS, LLC 172 5.98% $10,092
    FREEDOM MORTGAGE CORPORATION 159 6.21% $7,717
    NAVY FEDERAL CREDIT UNION 95 5.91% $4,594
    CROSSCOUNTRY MORTGAGE, LLC 81 6.38% $6,568
    PENNYMAC LOAN SERVICES, LLC 80 5.72% $7,262
    NEW DAY FINANCIAL, LLC 80 7.53% $12,985
    VICTORY MORTGAGE, L.L.C. 71 5.84% $6,780
    USAA Federal Savings Bank 63 6.24% $8,337
    NVR Mortgage Finance, Inc. 46 6.09% $7,863
    NEWREZ LLC 44 6.10% $6,818
    UNION HOME MORTGAGE CORP. 40 6.50% $8,886
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 38 6.73% $7,114
    FIRST COMMUNITY MORTGAGE, INC. 38 6.70% $7,467
    VILLAGE CAPITAL MORTGAGE 37 5.70% $5,499
    DAS Acquisition Company, LLC 35 6.51% $9,430
    LOANDEPOT.COM, LLC 33 5.81% $9,205
    STOCKTON MORTGAGE CORPORATION 32 6.43% $10,396
    FIRST EQUITY MORTGAGE INCORPORATED 29 5.98% $10,768
    The Federal Savings Bank 27 6.41% $16,521
    GUARANTEED RATE, INC. 26 6.27% $4,865
    Fifth Third Bank 24 6.38% $6,206
    The Huntington National Bank 23 6.55% $7,031
    Mr. Cooper ( Nationstar Mortgage ) 22 6.58% $9,822
    Barrington Bank & Trust Company, N.A. 21 6.32% $5,025
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 20 6.58% $6,719
    CLEARPATH LENDING 19 5.75% $9,113
    DHI MORTGAGE COMPANY, LTD. 19 5.26% $11,155
    GUARANTEED RATE AFFINITY, LLC 19 6.47% $8,609
    Union Savings Bank 19 6.21% $4,667
    PRIMELENDING, A PLAINSCAPITAL COMPANY 19 6.29% $9,342
    MORTGAGE SOLUTIONS OF COLORADO, LLC 19 7.20% $4,627
    NATIONS RELIABLE LENDING, LLC 19 6.63% $7,081
    PLANET HOME LENDING, LLC 16 5.60% $4,079
    RUOFF MORTGAGE COMPANY, INC. 16 6.61% $7,064
    LAKEVIEW LOAN SERVICING, LLC 16 5.81% $6,480
    Paramount Residential Mortgage Group, Inc. 16 6.26% $10,663
    AMERICAN PACIFIC MORTGAGE CORPORATION 15 6.38% $8,487
    LCNB National Bank 15 6.42% $6,715
    U.S. Bank 14 6.54% $7,100
    Carrington Mortgage Services, LLC 14 6.20% $11,341
    HOMESIDE FINANCIAL, LLC 13 6.54% $12,448
    BAYSHORE MORTGAGE FUNDING, LLC 13 6.56% $9,067
    Prosperity Home Mortgage, LLC 13 6.15% $7,430
    BROKER SOLUTIONS, INC. 12 6.78% $11,804
    RiverHills Bank 11 6.72% $7,239
    SUCCESS MORTGAGE PARTNERS, INC. 11 6.20% $8,329
    RAPID MORTGAGE COMPANY 11 6.70% $9,109
    MUTUAL OF OMAHA MORTGAGE, INC. 11 6.18% $18,033
    CMG MORTGAGE, INC. 10 6.38% $10,826
    M/I FINANCIAL, LLC 10 5.49% $12,139
    Equity Prime Mortgage LLC 9 6.57% $7,471
    Guardian Savings Bank, A Federal Savings Bank 9 6.15% $6,644
    JPMorgan Chase Bank 9 6.60% $5,235
    LOANPAL, LLC 9 5.96% $11,958
    SIBCY CLINE MORTGAGE SERVICES, INC. 8 6.34% $10,733
    AMERISAVE MORTGAGE CORPORATION 8 6.44% $20,779
    First Financial Bank 7 6.93% $4,951
    S1L, Inc. 7 6.21% $12,249
    Magnolia Bank 7 6.04% $21,865
    Plains Commerce Bank 6 6.54% $5,472
    Flagstar Bank, FSB 6 6.00% $10,596
    PENTAGON FEDERAL CREDIT UNION 6 5.98% $10,224
    NBKC BANK 6 6.04% $6,593
    SUN WEST MORTGAGE COMPANY, INC. 5 5.92% $7,239
    ALLIED MORTGAGE GROUP, INC. 5 5.65% $6,088
    POLARIS HOME FUNDING CORP. 5 6.60% $12,134
    RELIANCE FIRST CAPITAL, LLC 5 6.30% $10,242
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 5 6.18% $5,522
    MICHIGAN MUTUAL, INC. 5 6.40% $5,988
    AMERICAN FINANCIAL NETWORK, INC. 5 6.25% $14,824
    TJC Mortgage, Inc. 5 5.60% $6,662
    T2 FINANCIAL LLC 5 6.55% $7,536
    WRIGHT-PATT CREDIT UNION, INC. 4 6.34% $7,108
    American Mortgage & Equity Consultants, Inc. 4 6.38% $5,561
    Bank of England 4 6.44% $8,484
    DIRECT MORTGAGE LOANS, LLC 4 7.06% $13,740
    First Federal Bank 4 5.50% $6,657
    Heartland Bank 4 5.84% $5,782
    HOMEBRIDGE FINANCIAL SERVICES, INC. 4 6.44% $1,200
    NFM, INC. 4 6.53% $7,524
    The Loan Store, Inc. 4 6.69% $10,341
    VAN DYK MORTGAGE CORPORATION 4 6.71% $9,356
    Warsaw Federal Savings and Loan Association 4 6.53% $9,661
    PHH Mortgage Corporation 3 5.87% $8,643
    PLAZA HOME MORTGAGE, INC. 3 6.63% $15,517
    MOVEMENT MORTGAGE, LLC 3 6.67% $6,064
    AMERICAN FINANCIAL RESOURCES, INC. 3 6.88% $6,399
    AmeriHome Mortgage Company, LLC 3 6.13% $3,130
    1st National Bank 3 6.38% $10,597
    EMM LOANS LLC 3 6.38% $9,466
    CHURCHILL MORTGAGE CORPORATION 3 5.88% $11,813
    Gateway First Bank 3 6.58% $6,626
    PREMIA MORTGAGE, LLC 3 5.91% $5,314
    NATIONS DIRECT MORTGAGE, LLC 3 5.83% $6,470
    UNITED MORTGAGE CORP 2 7.00% $9,295
    BETTER MORTGAGE CORPORATION 2 5.50% $9,668
    VERITAS FUNDING, LLC 2 6.12% $20,716
    MLD MORTGAGE INC. 2 6.44% $2,731
    NETWORK CAPITAL FUNDING CORPORATION 2 6.00% $11,289
    Nations Lending Corporation 2 6.44% $9,677
    Truist 2 6.15% $5,896
    KeyBank 2 6.25% $3,503
    HomePromise Corporation 2 7.63% $3,127
    GUILD MORTGAGE COMPANY 2 4.13% $10,596
    MILEND, INC. 2 6.81% $18,487
    Northpointe Bank 2 6.63% $13,735
    MID AMERICA MORTGAGE, INC. 2 5.63% $4,672
    MEMBER FIRST MORTGAGE, LLC 2 7.38% $8,717
    PNC Bank 2 6.38% $4,242
    Lakeview Community Capital, LLC 2 5.50% $3,672
    NORWICH COMMERCIAL GROUP, INC. 2 6.25% $9,689
    The Park National Bank 1 6.00% $5,314
    Central Bank 1 6.25% $6,458
    Towne Bank 1 6.75% $18,022
    CARDINAL FINANCIAL 1 6.13% $4,866
    Capital Bank 1 4.63% $8,247
    UNIVERSAL 1 CREDIT UNION 1 5.75% $22,717
    NATIONWIDE MORTGAGE BANKERS, INC. 1 6.99% $8,016
    Armed Forces Bank 1 5.75% $3,324
    OCEANSIDE MORTGAGE COMPANY 1 5.63% $6,688
    PACIFIC RESIDENTIAL MORTGAGE, LLC 1 6.75% $4,719
    MORTGAGEONE, INC. 1 7.75% $5,125
    Peoples Exchange Bank 1 6.50% $6,021
    LAND HOME FINANCIAL SERVICES, INC. 1 6.63% $9,586
    Presidential Bank, FSB 1 6.63% $11,035
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 6.25% $3,885
    Regions Bank 1 6.13% $11,743
    Granite Community Bank 1 5.75% $4,776
    Residential Mortgage Solutions, Inc. 1 4.88% $6,154
    RESIDENTIAL WHOLESALE MORTGAGE, INC. 1 5.75% $14,641
    ROSS MORTGAGE CORPORATION 1 5.25% $6,756
    ROYAL UNITED MORTGAGE LLC 1 6.75% $20,987
    Flanagan State Bank 1 6.13% $0
    FIRST COLONY MORTGAGE CORPORATION 1 6.50% $4,260
    SECURITYNATIONAL MORTGAGE COMPANY 1 5.38% $19,893
    Servion, Inc. 1 7.38% $4,549
    Farmers Bank & Trust 1 6.50% $9,796
    EVANSVILLE TEACHERS 1 6.75% $23,051
    Strong Home Mortgage, LLC 1 6.00% $6,047
    EQUITY RESOURCES, INC. 1 6.13% $3,021
    Civista Bank 1 6.25% $21,251
    Texana Bank 1 6.75% $5,508
    The Dart Bank 1 6.50% $4,940
    THE EQUITABLE MORTGAGE CORPORATION 1 6.63% $21,666
    Citizens Bank 1 5.38% $2,636
    Abound Federal Credit Union 1 5.88% $5,830

    The top Cincinnati VA lender as defined by loan originations is Mortgage Research Center, LLC, with 452 VA loans originated. Their average total fees are $6,260, which is $862 lower than the next largest lender, UNITED WHOLESALE MORTGAGE, LLC.

    The lowest fee Cincinnati VA lenders (with over 10 loans originated) are PLANET HOME LENDING, LLC ($4,079), NAVY FEDERAL CREDIT UNION ($4,594), MORTGAGE SOLUTIONS OF COLORADO, LLC ($4,627), Union Savings Bank ($4,667) and GUARANTEED RATE, INC. ($4,865).

    The lowest rate Cincinnati VA lenders (with over 10 loans originated) are DHI MORTGAGE COMPANY, LTD. (5.26%), M/I FINANCIAL, LLC (5.49%), PLANET HOME LENDING, LLC (5.60%), VILLAGE CAPITAL MORTGAGE (5.70%) and PENNYMAC LOAN SERVICES, LLC (5.72%).

    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 $225,500 (22.1%) $308,776 (10.2%) 0.84 5,184
    2018-02-01 $239,450 (24.6%) $321,559 (11.4%) 0.87 4,978
    2018-03-01 $258,900 (21.8%) $346,286 (13.0%) 0.91 4,809
    2018-04-01 $271,500 (18.3%) $356,189 (11.8%) 0.92 4,981
    2018-05-01 $275,000 (14.6%) $360,546 (11.5%) 0.92 5,271
    2018-06-01 $269,990 (12.3%) $353,754 (9.1%) 0.90 5,771
    2018-07-01 $269,900 (12.5%) $350,934 (9.3%) 0.90 6,152
    2018-08-01 $259,500 (8.5%) $342,614 (7.8%) 0.87 6,424
    2018-09-01 $255,000 (8.3%) $337,584 (6.2%) 0.86 6,609
    2018-10-01 $249,900 (9.4%) $333,431 (6.4%) 0.85 6,681
    2018-11-01 $248,260 (10.3%) $329,365 (6.3%) 0.84 6,564
    2018-12-01 $239,900 (8.6%) $330,102 (8.0%) 0.83 5,889
    2019-01-01 $239,900 (6.4%) $325,120 (5.3%) 0.83 5,363
    2019-02-01 $253,925 (6.0%) $342,552 (6.5%) 0.86 4,927
    2019-03-01 $267,957 (3.5%) $355,066 (2.5%) 0.88 4,897
    2019-04-01 $280,850 (3.4%) $366,627 (2.9%) 0.89 4,935
    2019-05-01 $289,900 (5.4%) $377,313 (4.7%) 0.91 5,118
    2019-06-01 $288,270 (6.8%) $372,609 (5.3%) 0.90 5,229
    2019-07-01 $284,000 (5.2%) $369,377 (5.3%) 0.89 5,369
    2019-08-01 $276,394 (6.5%) $361,907 (5.6%) 0.88 5,446
    2019-09-01 $271,000 (6.3%) $357,257 (5.8%) 0.87 5,462
    2019-10-01 $267,404 (7.0%) $354,157 (6.2%) 0.86 5,460
    2019-11-01 $260,478 (4.9%) $346,906 (5.3%) 0.85 5,141
    2019-12-01 $259,900 (8.3%) $343,573 (4.1%) 0.87 4,577
    2020-01-01 $265,950 (10.9%) $347,628 (6.9%) 0.89 4,090
    2020-02-01 $280,000 (10.3%) $369,603 (7.9%) 0.92 3,581
    2020-03-01 $299,675 (11.8%) $386,321 (8.8%) 0.94 3,489
    2020-04-01 $299,950 (6.8%) $384,970 (5.0%) 0.94 3,546
    2020-05-01 $325,000 (12.1%) $401,187 (6.3%) 0.99 3,416
    2020-06-01 $334,950 (16.2%) $421,967 (13.3%) 0.99 3,154
    2020-07-01 $337,450 (18.8%) $429,378 (16.2%) 0.98 2,914
    2020-08-01 $324,900 (17.6%) $427,022 (18.0%) 0.93 2,946
    2020-09-01 $316,750 (16.9%) $427,028 (19.5%) 0.91 2,996
    2020-10-01 $299,983 (12.2%) $418,036 (18.0%) 0.86 3,052
    2020-11-01 $290,950 (11.7%) $409,042 (17.9%) 0.85 2,956
    2020-12-01 $292,450 (12.5%) $414,493 (20.6%) 0.87 2,567
    2021-01-01 $299,900 (12.8%) $428,732 (23.3%) 0.90 2,175
    2021-02-01 $317,400 (13.4%) $442,149 (19.6%) 0.92 1,778
    2021-03-01 $325,000 (8.5%) $454,696 (17.7%) 0.92 1,707
    2021-04-01 $347,426 (15.8%) $481,319 (25.0%) 0.94 1,682
    2021-05-01 $359,000 (10.5%) $490,549 (22.3%) 0.95 1,853
    2021-06-01 $349,208 (4.3%) $480,993 (14.0%) 0.92 2,090
    2021-07-01 $325,000 (-3.7%) $455,717 (6.1%) 0.86 2,490
    2021-08-01 $315,000 (-3.1%) $434,350 (1.7%) 0.84 2,817
    2021-09-01 $304,950 (-3.7%) $429,711 (0.6%) 0.81 2,842
    2021-10-01 $300,000 (0.0%) $427,054 (2.2%) 0.80 2,702
    2021-11-01 $299,450 (2.9%) $421,388 (3.0%) 0.80 2,456
    2021-12-01 $297,000 (1.6%) $427,378 (3.1%) 0.80 2,120
    2022-01-01 $299,900 (0.0%) $435,730 (1.6%) 0.81 1,798
    2022-02-01 $322,000 (1.5%) $462,407 (4.6%) 0.84 1,443
    2022-03-01 $319,950 (-1.6%) $459,330 (1.0%) 0.80 1,396
    2022-04-01 $324,900 (-6.5%) $454,405 (-5.6%) 0.77 1,462
    2022-05-01 $324,950 (-9.5%) $450,319 (-8.2%) 0.74 1,843
    2022-06-01 $325,000 (-6.9%) $450,550 (-6.3%) 0.72 2,151
    2022-07-01 $319,000 (-1.9%) $435,952 (-4.3%) 0.72 2,525
    2022-08-01 $322,400 (2.4%) $436,321 (0.5%) 0.75 2,603
    2022-09-01 $325,000 (6.6%) $444,323 (3.4%) 0.76 2,504
    2022-10-01 $324,900 (8.3%) $444,472 (4.1%) 0.76 2,739
    2022-11-01 $325,000 (8.5%) $444,855 (5.6%) 0.78 2,709
    2022-12-01 $325,000 (9.4%) $447,814 (4.8%) 0.80 2,346
    2023-01-01 $329,450 (9.9%) $453,307 (4.0%) 0.82 2,043
    2023-02-01 $362,150 (12.5%) $490,773 (6.1%) 0.87 1,730
    2023-03-01 $369,650 (15.5%) $507,309 (10.5%) 0.87 1,665
    2023-04-01 $385,000 (18.5%) $513,352 (13.0%) 0.90 1,832
    2023-05-01 $391,308 (20.4%) $519,749 (15.4%) 0.89 1,900
    2023-06-01 $389,925 (20.0%) $511,523 (13.5%) 0.88 2,120
    2023-07-01 $384,998 (20.7%) $514,961 (18.1%) 0.88 2,239
    2023-08-01 $376,950 (16.9%) $503,974 (15.5%) 0.87 2,414
    2023-09-01 $374,500 (15.2%) $499,059 (12.3%) 0.87 2,651
    2023-10-01 $357,475 (10.0%) $484,952 (9.1%) 0.84 2,905
    2023-11-01 $345,000 (6.2%) $467,442 (5.1%) 0.82 3,010
    2023-12-01 $335,245 (3.2%) $456,295 (1.9%) 0.82 2,755
    2024-01-01 $329,950 (0.2%) $452,324 (-0.2%) 0.81 2,433
    2024-02-01 $337,450 (-6.8%) $471,017 (-4.0%) 0.81 2,172
    2024-03-01 $350,900 (-5.1%) $490,861 (-3.2%) 0.83 2,131
    2024-04-01 $375,000 (-2.6%) $496,473 (-3.3%) 0.87 2,253
    2024-05-01 $378,500 (-3.3%) $503,091 (-3.2%) 0.86 2,408
    2024-06-01 $378,900 (-2.8%) $501,013 (-2.1%) 0.86 2,738
    2024-07-01 $361,075 (-6.2%) $481,935 (-6.4%) 0.83 3,017
    2024-08-01 $349,900 (-7.2%) $466,011 (-7.5%) 0.81 3,350
    2024-09-01 $337,450 (-9.9%) $459,533 (-7.9%) 0.79 3,569
    2024-10-01 $331,500 (-7.3%) $450,735 (-7.1%) 0.78 3,663
    2024-11-01 $319,900 (-7.3%) $436,195 (-6.7%) 0.77 3,722
    2024-12-01 $319,450 (-4.7%) $432,641 (-5.2%) 0.79 3,270
    2025-01-01 $319,450 (-3.2%) $435,446 (-3.7%) 0.80 2,902
    2025-02-01 $324,950 (-3.7%) $440,707 (-6.4%) 0.79 2,722
    2025-03-01 $335,000 (-4.5%) $454,576 (-7.4%) 0.79 2,717
    2025-04-01 $347,725 (-7.3%) $463,749 (-6.6%) 0.81 2,793
    Cincinnati's median listing price for 2025-04-01 was $347,725, a difference of $-27,275 (-7.3%) versus the prior year and $12,725 versus the prior month.

    Cincinnati's median listing price comes in at 81% of the national average.

    Cincinnati's average listing price for 2025-04-01 was $463,749, a difference of $-32,724 (-6.6%) versus the prior year and $9,173 versus the prior month.

    For the 2025-04-01 period, Cincinnati had 2,793 MLS listings, a difference of 76 listings (3%) versus the prior month and 540 listings (24%) 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 1,863 sqft
    2018-02-01 69 days 1,890 sqft
    2018-03-01 47 days 2,011 sqft
    2018-04-01 44 days 2,107 sqft
    2018-05-01 39 days 2,150 sqft
    2018-06-01 40 days 2,132 sqft
    2018-07-01 43 days 2,111 sqft
    2018-08-01 45 days 2,072 sqft
    2018-09-01 48 days 2,022 sqft
    2018-10-01 52 days 1,991 sqft
    2018-11-01 54 days 1,967 sqft
    2018-12-01 64 days 1,936 sqft
    2019-01-01 72 days 1,900 sqft
    2019-02-01 67 days 1,968 sqft
    2019-03-01 51 days 2,017 sqft
    2019-04-01 43 days 2,068 sqft
    2019-05-01 40 days 2,127 sqft
    2019-06-01 42 days 2,125 sqft
    2019-07-01 46 days 2,126 sqft
    2019-08-01 47 days 2,083 sqft
    2019-09-01 49 days 2,038 sqft
    2019-10-01 50 days 2,006 sqft
    2019-11-01 52 days 1,978 sqft
    2019-12-01 63 days 1,944 sqft
    2020-01-01 71 days 1,951 sqft
    2020-02-01 60 days 2,048 sqft
    2020-03-01 44 days 2,107 sqft
    2020-04-01 45 days 2,100 sqft
    2020-05-01 47 days 2,178 sqft
    2020-06-01 45 days 2,217 sqft
    2020-07-01 43 days 2,194 sqft
    2020-08-01 38 days 2,134 sqft
    2020-09-01 37 days 2,060 sqft
    2020-10-01 37 days 2,000 sqft
    2020-11-01 40 days 1,914 sqft
    2020-12-01 52 days 1,895 sqft
    2021-01-01 54 days 1,867 sqft
    2021-02-01 49 days 1,858 sqft
    2021-03-01 33 days 1,871 sqft
    2021-04-01 31 days 1,934 sqft
    2021-05-01 23 days 1,986 sqft
    2021-06-01 24 days 1,935 sqft
    2021-07-01 25 days 1,868 sqft
    2021-08-01 28 days 1,824 sqft
    2021-09-01 33 days 1,802 sqft
    2021-10-01 36 days 1,782 sqft
    2021-11-01 38 days 1,744 sqft
    2021-12-01 46 days 1,692 sqft
    2022-01-01 57 days 1,680 sqft
    2022-02-01 51 days 1,686 sqft
    2022-03-01 31 days 1,699 sqft
    2022-04-01 24 days 1,717 sqft
    2022-05-01 21 days 1,767 sqft
    2022-06-01 22 days 1,810 sqft
    2022-07-01 25 days 1,800 sqft
    2022-08-01 30 days 1,799 sqft
    2022-09-01 36 days 1,808 sqft
    2022-10-01 34 days 1,840 sqft
    2022-11-01 40 days 1,830 sqft
    2022-12-01 51 days 1,804 sqft
    2023-01-01 55 days 1,807 sqft
    2023-02-01 49 days 1,815 sqft
    2023-03-01 38 days 1,829 sqft
    2023-04-01 31 days 1,897 sqft
    2023-05-01 32 days 1,992 sqft
    2023-06-01 30 days 2,000 sqft
    2023-07-01 31 days 1,962 sqft
    2023-08-01 32 days 1,957 sqft
    2023-09-01 32 days 1,957 sqft
    2023-10-01 33 days 1,942 sqft
    2023-11-01 38 days 1,894 sqft
    2023-12-01 44 days 1,831 sqft
    2024-01-01 54 days 1,792 sqft
    2024-02-01 39 days 1,800 sqft
    2024-03-01 36 days 1,851 sqft
    2024-04-01 32 days 1,877 sqft
    2024-05-01 30 days 1,873 sqft
    2024-06-01 31 days 1,886 sqft
    2024-07-01 32 days 1,843 sqft
    2024-08-01 33 days 1,777 sqft
    2024-09-01 38 days 1,759 sqft
    2024-10-01 37 days 1,733 sqft
    2024-11-01 43 days 1,683 sqft
    2024-12-01 52 days 1,666 sqft
    2025-01-01 61 days 1,657 sqft
    2025-02-01 50 days 1,683 sqft
    2025-03-01 37 days 1,685 sqft
    2025-04-01 34 days 1,711 sqft
    Cincinnati's median listing age (time on market) for 2025-04-01 was 34 days. This is 8% longer than the same period one year ago.

    Cincinnati's median square footage for active listings during the 2025-04-01 period was 1,711 sqft. One year prior, the average listing was 1,877 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.