Cincinnati VA Loan Rates, Closing Costs & Stats

CINCINNATI, OH-KY-IN

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 173 lenders originated 3,055 VA loans during 2022. The total origination value was $832,055,000, with an average VA loan value of $272,358.

Cincinnati VA Loans, 30 Year Fixed Rates

30 Year VA mortgages in Cincinnati averaged 6.11% for the week of 2024-03-01, compared to the national average (all VA variants) of 6.517% for the same period.

Cincinnati's average VA mortgage closing costs are $5,503.

The average rate for the prior week (2024-02-23) was 6.14% and one month ago for the week of 2024-01-26, the average rate was 6.27%.

The average rate one year ago was 6.21%.

For refis of the same type during the week of 2024-03-01, the average rate was 5.22%.

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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
Mortgage Research Center, LLC 456 5.10% $6,766
QUICKEN LOANS, LLC 190 4.21% $9,471
FREEDOM MORTGAGE CORPORATION 129 4.31% $11,354
UNITED WHOLESALE MORTGAGE, LLC 120 4.49% $9,367
NAVY FEDERAL CREDIT UNION 99 4.08% $5,990
USAA Federal Savings Bank 83 4.60% $6,687
CALIBER HOME LOANS, INC. 83 4.63% $8,893
NEW DAY FINANCIAL, LLC 77 5.09% $9,770
PRIMELENDING, A PLAINSCAPITAL COMPANY 61 5.04% $8,786
VICTORY MORTGAGE, L.L.C. 59 4.34% $7,928
PENNYMAC LOAN SERVICES, LLC 59 3.57% $7,517
NVR Mortgage Finance, Inc. 57 4.08% $8,505
GUARANTEED RATE, INC. 54 4.59% $5,845
CROSSCOUNTRY MORTGAGE, LLC 49 5.48% $8,766
LOANDEPOT.COM, LLC 43 4.28% $8,716
DAS Acquisition Company, LLC 40 5.47% $9,024
AMERICAN MORTGAGE SERVICE COMPANY 38 4.72% $7,183
Mr. Cooper ( Nationstar Mortgage ) 37 5.10% $10,089
UNION HOME MORTGAGE CORP. 37 4.63% $8,256
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 32 5.44% $7,017
GUARANTEED RATE AFFINITY, LLC 32 4.91% $6,285
NATIONS RELIABLE LENDING, LLC 32 5.28% $7,731
CARDINAL FINANCIAL 31 4.68% $11,495
HOME POINT FINANCIAL CORPORATION 31 4.31% $8,718
VILLAGE CAPITAL MORTGAGE 29 4.00% $8,179
RUOFF MORTGAGE COMPANY, INC. 28 5.10% $6,148
The Federal Savings Bank 27 4.61% $14,535
The Huntington National Bank 25 4.78% $5,490
Carrington Mortgage Services, LLC 23 4.92% $8,415
Fifth Third Bank 22 4.78% $5,772
NEWREZ LLC 22 4.59% $6,879
AMERISAVE MORTGAGE CORPORATION 21 4.27% $10,428
AMERICAN PACIFIC MORTGAGE CORPORATION 21 5.42% $7,650
Union Savings Bank 20 4.28% $6,481
LAKEVIEW LOAN SERVICING, LLC 20 3.62% $5,017
FIRST COMMUNITY MORTGAGE, INC. 18 5.69% $9,569
Prosperity Home Mortgage, LLC 18 4.57% $9,094
STOCKTON MORTGAGE CORPORATION 17 4.56% $10,049
Paramount Residential Mortgage Group, Inc. 17 5.03% $9,030
FIRST EQUITY MORTGAGE INCORPORATED 16 4.15% $10,844
DHI MORTGAGE COMPANY, LTD. 16 3.76% $7,325
BAYSHORE MORTGAGE FUNDING, LLC 16 5.39% $9,150
Barrington Bank & Trust Company, N.A. 14 4.42% $6,841
MORTGAGE SOLUTIONS OF COLORADO, LLC 14 6.09% $9,339
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 13 4.94% $6,830
CLEARPATH LENDING 13 4.06% $14,336
ENVOY MORTGAGE, LTD 13 5.50% $7,100
VAN DYK MORTGAGE CORPORATION 13 5.08% $8,995
Wells Fargo Bank 13 3.90% $5,532
U.S. Bank 13 4.76% $8,582
Flagstar Bank, FSB 13 5.51% $12,409
RAPID MORTGAGE COMPANY 12 5.50% $14,426
PENTAGON FEDERAL CREDIT UNION 12 3.70% $9,559
Bank of England 12 5.04% $6,395
Cincinnati Federal 12 4.71% $5,135
PLANET HOME LENDING, LLC 11 4.35% $10,058
THRIVE MORTGAGE, LLC 11 5.70% $9,727
Nations Lending Corporation 11 4.83% $8,338
BROKER SOLUTIONS, INC. 10 4.91% $14,206
POLARIS HOME FUNDING CORP. 10 5.08% $14,552
MOVEMENT MORTGAGE, LLC 10 4.34% $7,154
SIBCY CLINE MORTGAGE SERVICES, INC. 9 4.97% $8,128
EVERETT FINANCIAL, INC. 9 4.40% $5,742
T2 FINANCIAL LLC 9 4.74% $8,668
HOMESIDE FINANCIAL, LLC 9 4.54% $9,359
North American Savings Bank, F.S.B. 9 4.49% $5,811
MUTUAL OF OMAHA MORTGAGE, INC. 9 4.50% $7,989
M/I FINANCIAL, LLC 9 4.40% $11,843
SUCCESS MORTGAGE PARTNERS, INC. 8 5.53% $11,959
EQUITY RESOURCES, INC. 8 4.31% $5,250
Equity Prime Mortgage LLC 8 5.42% $9,880
Gateway First Bank 7 5.66% $6,175
PNC Bank 7 4.23% $7,630
LOANPAL, LLC 7 4.30% $14,536
Guardian Savings Bank, A Federal Savings Bank 7 4.21% $8,993
RELIANCE FIRST CAPITAL, LLC 7 5.09% $8,960
Low VA Rates, LLC 6 3.46% $12,141
GUARANTY HOME MORTGAGE CORPORATION 6 4.54% $6,242
First Federal Bank 6 4.94% $12,027
JPMorgan Chase Bank 6 4.83% $5,869
HOMEBRIDGE FINANCIAL SERVICES, INC. 6 4.75% $6,664
NBKC BANK 6 4.40% $11,427
BNC National Bank 6 3.50% $7,520
FINANCE OF AMERICA MORTGAGE LLC 5 4.45% $9,890
RiverHills Bank 5 4.38% $10,035
WRIGHT-PATT CREDIT UNION, INC. 5 4.85% $5,205
Heartland Bank 5 4.30% $6,820
1st National Bank 4 5.03% $10,590
CHURCHILL MORTGAGE CORPORATION 4 4.25% $7,911
CMG MORTGAGE, INC. 4 3.37% $5,897
First Guaranty Mortgage Corporation 4 3.66% $7,060
KeyBank 4 4.16% $5,419
Magnolia Bank 4 4.34% $11,023
Mid-Continent Funding, Inc. 4 6.06% $13,455
Regions Bank 4 4.44% $3,669
UNITED MORTGAGE CORP 4 4.97% $12,020
WesBanco 4 5.25% $6,254
GUILD MORTGAGE COMPANY 3 5.13% $8,326
Century Mortgage Company DBA Century Lending Company 3 3.13% $3,827
SOVEREIGN LENDING GROUP INCORPORATED 3 4.38% $13,692
First Financial Bank 3 4.58% $4,490
MID AMERICA MORTGAGE, INC. 3 4.96% $5,779
Servion, Inc. 3 5.54% $7,802
ROYAL UNITED MORTGAGE LLC 3 4.54% $10,760
CONTOUR MORTGAGE CORPORATION 3 5.38% $9,892
NFM, INC. 3 4.83% $10,769
ARC HOME LLC 3 4.96% $1,826
Armed Forces Bank 3 4.42% $10,599
The Union Bank Company 3 3.08% $6,048
AMERICAN FINANCIAL RESOURCES, INC. 3 4.88% $6,136
The Central Trust Bank 3 4.08% $13,853
AMERIFIRST FINANCIAL CORPORATION 3 5.58% $9,159
Truist 3 4.37% $5,704
Texana Bank 3 4.25% $12,299
Citizens Bank 2 4.44% $5,443
NETWORK CAPITAL FUNDING CORPORATION 2 5.19% $8,224
Lakeview Community Capital, LLC 2 3.75% $1,805
KELLER MORTGAGE, LLC 2 6.19% $6,486
NORWICH COMMERCIAL GROUP, INC. 2 4.69% $5,096
Ixonia Bank 2 4.38% $8,387
OCEANSIDE MORTGAGE COMPANY 2 3.81% $2,897
OPTION FINANCIAL, LLC 2 4.19% $3,322
EMBRACE HOME LOANS, INC. 2 5.06% $10,362
AMCAP MORTGAGE, LTD. 2 4.56% $4,570
ARK-LA-TEX FINANCIAL SERVICES, LLC. 2 5.44% $6,957
Wyndham Capital Mortgage, Inc. 2 3.75% $6,457
AMERICAN FINANCING CORPORATION 2 3.13% $7,443
MYCUMORTGAGE, LLC 2 5.31% $4,969
Renasant Bank 1 5.25% $14,709
Residential Mortgage Solutions, Inc. 1 4.75% $11,384
EMM LOANS LLC 1 5.38% $19,915
ROSS MORTGAGE CORPORATION 1 4.75% $20,470
PRIMARY RESIDENTIAL MORTGAGE, INC. 1 5.50% $3,893
Civista Bank 1 5.63% $1,823
ENDEAVOR CAPITAL, LLC. 1 2.88% $2,980
First Commonwealth Bank 1 4.75% $5,195
SIRVA MORTGAGE, INC. 1 3.75% $9,387
SOUTHWEST FUNDING, LP 1 6.63% $14,789
SOUTHWEST STAGE FUNDING, LLC 1 3.38% $7,270
FIRST OHIO HOME FINANCE, INC. 1 4.13% $1,872
CHERRY CREEK MORTGAGE, LLC 1 2.25% $123
Strong Home Mortgage, LLC 1 4.13% $4,193
Forcht Bank 1 4.25% $8,255
CANOPY MORTGAGE, LLC 1 5.50% $13,344
Paramount Bank 1 2.88% $24,673
OAKTREE FUNDING CORP. 1 5.88% $10,063
THE EQUITABLE MORTGAGE CORPORATION 1 4.75% $5,487
BELEM SERVICING LLC 1 5.25% $5,769
BAY EQUITY LLC 1 5.25% $3,251
The Park National Bank 1 3.25% $4,031
NP, Inc. 1 2.38% $3,774
Bank of America 1 4.50% $5,520
TJC Mortgage, Inc. 1 3.25% $10,456
TOP FLITE FINANCIAL, INC. 1 3.88% $32,667
KEMBA FINANCIAL 1 3.63% $8,873
Tyndall Federal Credit Union 1 5.13% $36,885
Neighborhood Loans, Inc. 1 5.25% $7,155
Willamette Valley Bank 1 5.75% $9,873
MORTGAGE 1 INCORPORATED 1 5.50% $12,786
LEADERONE FINANCIAL CORPORATION 1 5.25% $12,244
AmRes Corporation 1 7.13% $7,999
Amerifirst Financial, Inc. 1 3.88% $9,673
VANDERBILT MORTGAGE AND FINANCE, INC. 1 6.13% $10,780
Meridian Bank Corporation 1 3.88% $18,496
AMERICAN INTERNET MORTGAGE, INC. 1 3.38% $1,676
NATIONS DIRECT MORTGAGE, LLC 1 3.25% $2,530
Warsaw Federal Savings and Loan Association 1 2.75% $3,663
Princeton Mortgage Corporation 1 4.99% $10,684
MICHIGAN MUTUAL, INC. 1 5.13% $14,966
DIAMOND RESIDENTIAL MORTGAGE CORPORATION 1 5.00% $5,923
DEVELOPER'S MORTGAGE COMPANY 1 3.13% $5,721
ZILLOW HOME LOANS, LLC 1 7.00% $11,241
Countybank 1 4.99% $15,504

The top Cincinnati VA lender as defined by loan originations is Mortgage Research Center, LLC, with 456 VA loans originated. Their average total fees are $6,766, which is $2,705 lower than the next largest lender, QUICKEN LOANS, LLC.

The lowest fee Cincinnati VA lenders (with over 10 loans originated) are LAKEVIEW LOAN SERVICING, LLC ($5,017), Cincinnati Federal ($5,135), The Huntington National Bank ($5,490), Wells Fargo Bank ($5,532) and Fifth Third Bank ($5,772).

The lowest rate Cincinnati VA lenders (with over 10 loans originated) are PENNYMAC LOAN SERVICES, LLC (3.57%), LAKEVIEW LOAN SERVICING, LLC (3.62%), PENTAGON FEDERAL CREDIT UNION (3.70%), DHI MORTGAGE COMPANY, LTD. (3.76%) and Wells Fargo Bank (3.90%).


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
Cincinnati's median listing price for 2024-01-01 was $329,900, a difference of $2,450 (0.8%) versus the prior year and $-5,100 versus the prior month.

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

Cincinnati's average listing price for 2024-01-01 was $451,122, a difference of $-1,112 (-0.3%) versus the prior year and $-3,844 versus the prior month.

For the 2024-01-01 period, Cincinnati had 2,451 MLS listings, a difference of -322 listings (-12%) versus the prior month and 401 listings (20%) 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 2,187 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
Cincinnati's median listing age (time on market) for 2024-01-01 was 54 days. This is -2% shorter than the same period one year ago.

Cincinnati's median square footage for active listings during the 2024-01-01 period was 1,789 sqft. One year prior, the average listing was 1,811 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.