Chillicothe Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Chillicothe averaged 6.85% for the week of 2025-04-03, compared to the national average of 6.64% for the same period.

    The average rate for the prior week (2025-03-27) was 6.86% and one month ago for the week of 2025-02-27, the average rate was 7.17%.

    Chillicothe's average rate one year ago was 6.8%.

    For refis of the same type during the week of 2025-04-03, the average rate was 7.04%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Chillicothe 30 Year Fixed Rate 2025-04-03 6.85%
    Chillicothe 30 Year Fixed Rate Refi 2025-04-03 7.04%
    Chillicothe 15 Year Fixed Rate 2025-04-03 5.82%
    Chillicothe 15 Year Fixed Rate Refi 2025-04-03 6.12%
    Chillicothe 30 Year FHA 2025-04-03 6.79%
    Chillicothe 30 Year FHA Refi 2025-04-03 6.36%
    Chillicothe 30 Year USDA 2025-04-03 6.32%
    Chillicothe 30 Year USDA Refi 2025-04-03 6.32%
    Chillicothe 30 Year VA 2025-04-03 6.38%
    Chillicothe 30 Year VA Refi 2025-04-03 5.96%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Chillicothe, OH.

    Chillicothe Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the Chillicothe, OH market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    GUARANTEED RATE, INC. 77 6.73% $4,153
    THE VINTON COUNTY NATIONAL BANK 27 7.56% $3,153
    QUICKEN LOANS, LLC 20 6.82% $5,805
    Fifth Third Bank 16 7.11% $3,054
    UNITED WHOLESALE MORTGAGE, LLC 13 7.12% $5,996
    The Huntington National Bank 13 6.91% $4,653
    HOMELAND CREDIT UNION, INC. 13 7.02% $3,095
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 9 6.98% $6,040
    GSF Mortgage Corporation 9 6.87% $4,771
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 8 7.89% $6,691
    UNION HOME MORTGAGE CORP. 8 6.84% $6,466
    NFM, INC. 8 6.64% $7,973
    DAS Acquisition Company, LLC 8 7.06% $5,230
    WesBanco 7 6.68% $4,947
    LCNB National Bank 6 6.58% $2,868
    CROSSCOUNTRY MORTGAGE, LLC 6 6.81% $6,344
    The Ohio Valley Bank Company 5 6.85% $4,078
    Farm Credit Mid-America, ACA 5 7.25% $5,568
    The Merchants National Bank 5 7.55% $2,839
    U.S. Bank 4 6.78% $3,502
    Union Savings Bank 4 6.69% $3,789
    PNC Bank 4 6.69% $3,656
    WRIGHT-PATT CREDIT UNION, INC. 3 5.75% $3,530
    NEWREZ LLC 3 7.12% $4,651
    VANDERBILT MORTGAGE AND FINANCE, INC. 3 8.25% $6,998
    PENNYMAC LOAN SERVICES, LLC 3 7.17% $4,284
    EQUITY RESOURCES, INC. 2 6.69% $2,834
    UNIVERSAL 1 CREDIT UNION 2 7.44% $3,613
    HOMESIDE FINANCIAL, LLC 2 7.18% $4,285
    Flagstar Bank, FSB 2 6.66% $3,763
    Mr. Cooper ( Nationstar Mortgage ) 2 6.81% $6,965
    First National Bank of Pennsylvania 2 7.31% $4,669
    Truist 2 6.56% $4,691
    The Union Bank Company 1 6.50% $3,528
    Third Federal Savings and Loan Association of Cleveland 1 7.34% $0
    TOWNE MORTGAGE COMPANY 1 6.88% $6,042
    TrueCore Federal Credit Union 1 7.13% $4,722
    USAA Federal Savings Bank 1 6.88% $3,883
    PREMIA MORTGAGE, LLC 1 6.50% $895
    AMERICAN PACIFIC MORTGAGE CORPORATION 1 6.50% $7,750
    Carrington Mortgage Services, LLC 1 6.13% $5,890
    CHURCHILL MORTGAGE CORPORATION 1 7.50% $4,982
    Discover Bank 1 6.85% $0
    EDUCATION FIRST CREDIT UNION, INC. 1 6.88% $3,189
    First Federal Savings and Loan Association of Lakewood 1 7.43% $4,622
    First Financial Bank 1 7.63% $4,768
    Guardian Savings Bank, A Federal Savings Bank 1 6.50% $4,554
    Heartland Bank 1 6.50% $3,313
    HOWARD HANNA FINANCIAL SERVICES, INC. 1 7.63% $5,692
    JPMorgan Chase Bank 1 5.88% $5,841
    KeyBank 1 6.13% $4,177
    LAKE MICHIGAN CREDIT UNION 1 6.49% $5,587
    LAND HOME FINANCIAL SERVICES, INC. 1 7.63% $5,060
    LOANDEPOT.COM, LLC 1 7.63% $4,315
    LOANPAL, LLC 1 6.75% $6,723
    Mortgage Research Center, LLC 1 7.13% $925
    MUTUAL OF OMAHA MORTGAGE, INC. 1 6.99% $11,082
    Nations Lending Corporation 1 5.99% $5,130
    NAVY FEDERAL CREDIT UNION 1 7.50% $2,651
    Paramount Residential Mortgage Group, Inc. 1 6.99% $3,807
    Peoples Bank 1 5.88% $2,860
    POLARIS HOME FUNDING CORP. 1 7.63% $7,427
    AFFORDABLE MORTGAGE ADVISORS, LLC. 1 7.13% $4,308
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.63% $4,585
    RAPID MORTGAGE COMPANY 1 6.50% $7,786
    ROYAL UNITED MORTGAGE LLC 1 7.25% $10,884
    RUOFF MORTGAGE COMPANY, INC. 1 7.00% $590
    S1L, Inc. 1 6.88% $4,193
    T2 FINANCIAL LLC 1 7.00% $6,170
    The Federal Savings Bank 1 6.88% $3,920
    The Park National Bank 1 7.25% $4,136

    Chillicothe Average Closing Costs & Other Stats

    Chillicothe, OH's 71 lenders originated 1,216 loans during 2024. The total origination value was $217,570,000, with an average loan value of $178,923.

    Chillicothe's average closing costs are $5,005.

    The top Chillicothe lender as defined by loan originations is GUARANTEED RATE, INC., with 77 loans originated. Their average total fees are $4,153, which is $1,000 higher than the next largest lender, THE VINTON COUNTY NATIONAL BANK.

    The lowest fee Chillicothe lenders (with over 10 loans originated) are Fifth Third Bank ($3,054), HOMELAND CREDIT UNION, INC. ($3,095), THE VINTON COUNTY NATIONAL BANK ($3,153), GUARANTEED RATE, INC. ($4,153) and The Huntington National Bank ($4,653).

    The lowest rate Chillicothe lenders (with over 10 loans originated) are GUARANTEED RATE, INC. (6.73%), QUICKEN LOANS, LLC (6.82%), The Huntington National Bank (6.91%), HOMELAND CREDIT UNION, INC. (7.02%) and Fifth Third Bank (7.11%).

    Chillicothe, OH Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    GUARANTEED RATE, INC. $26,700,000 $30,165,000 13.0% 13.9%
    THE VINTON COUNTY NATIONAL BANK $22,430,000 $20,755,000 -7.5% 9.5%
    The Huntington National Bank $8,475,000 $10,710,000 26.4% 4.9%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $2,635,000 $9,730,000 269.3% 4.5%
    QUICKEN LOANS, LLC $9,225,000 $9,420,000 2.1% 4.3%
    Kingston National Bank $7,975,000 $8,280,000 3.8% 3.8%
    UNITED WHOLESALE MORTGAGE, LLC $4,785,000 $7,875,000 64.6% 3.6%
    WALKER & DUNLOP, LLC $7,155,000 n/a 3.3%
    Fifth Third Bank $9,155,000 $6,945,000 -24.1% 3.2%
    Mortgage Research Center, LLC $4,735,000 $6,275,000 32.5% 2.9%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $1,405,000 $5,335,000 279.7% 2.5%
    WesBanco $6,840,000 $4,785,000 -30.0% 2.2%
    ATOMIC CREDIT UNION, INC. $5,450,000 $4,295,000 -21.2% 2.0%
    FREEDOM MORTGAGE CORPORATION $900,000 $4,090,000 354.4% 1.9%
    UNION HOME MORTGAGE CORP. $7,885,000 $3,940,000 -50.0% 1.8%
    GSF Mortgage Corporation $800,000 $3,215,000 301.9% 1.5%
    CROSSCOUNTRY MORTGAGE, LLC $4,210,000 $2,845,000 -32.4% 1.3%
    NEWREZ LLC $1,140,000 $2,610,000 128.9% 1.2%
    PNC Bank $1,805,000 $2,330,000 29.1% 1.1%
    VANDERBILT MORTGAGE AND FINANCE, INC. $2,500,000 $2,240,000 -10.4% 1.0%
    HOMELAND CREDIT UNION, INC. $1,965,000 $2,180,000 10.9% 1.0%
    NFM, INC. $1,515,000 $2,110,000 39.3% 1.0%
    LCNB National Bank $1,480,000 $2,105,000 42.2% 1.0%
    Union Savings Bank $755,000 $2,100,000 178.1% 1.0%
    DAS Acquisition Company, LLC $4,850,000 $2,015,000 -58.5% 0.9%
    RUOFF MORTGAGE COMPANY, INC. $2,220,000 $1,730,000 -22.1% 0.8%
    Farm Credit Mid-America, ACA $945,000 $1,630,000 72.5% 0.7%
    The Ohio Valley Bank Company $1,345,000 $1,510,000 12.3% 0.7%
    PENNYMAC LOAN SERVICES, LLC $635,000 $1,445,000 127.6% 0.7%
    RAPID MORTGAGE COMPANY $815,000 $1,440,000 76.7% 0.7%
    Mr. Cooper ( Nationstar Mortgage ) $1,295,000 $1,430,000 10.4% 0.7%
    POLARIS HOME FUNDING CORP. $630,000 $1,360,000 115.9% 0.6%
    Flagstar Bank, FSB $1,870,000 $1,345,000 -28.1% 0.6%
    VILLAGE CAPITAL MORTGAGE $410,000 $1,175,000 186.6% 0.5%
    Paramount Residential Mortgage Group, Inc. $715,000 $1,120,000 56.6% 0.5%
    Carrington Mortgage Services, LLC $840,000 $1,085,000 29.2% 0.5%
    LOANDEPOT.COM, LLC $1,240,000 $1,080,000 -12.9% 0.5%
    WRIGHT-PATT CREDIT UNION, INC. $740,000 $1,045,000 41.2% 0.5%
    U.S. Bank $1,155,000 $1,010,000 -12.6% 0.5%
    The Savings Bank $220,000 $940,000 327.3% 0.4%
    USAA Federal Savings Bank $720,000 $935,000 29.9% 0.4%
    The Merchants National Bank $1,920,000 $930,000 -51.6% 0.4%
    LENDINGHOME FUNDING CORPORATION $115,000 $855,000 643.5% 0.4%
    HOMESIDE FINANCIAL, LLC $1,020,000 $820,000 -19.6% 0.4%
    MUTUAL OF OMAHA MORTGAGE, INC. $535,000 $770,000 43.9% 0.4%
    HOWARD HANNA FINANCIAL SERVICES, INC. $665,000 n/a 0.3%
    T2 FINANCIAL LLC $830,000 $650,000 -21.7% 0.3%
    Equity Prime Mortgage LLC $245,000 $635,000 159.2% 0.3%
    Truist $590,000 n/a 0.3%
    Discover Bank $335,000 $560,000 67.2% 0.3%
    UNION CAPITAL MORTGAGE CORPORATION $555,000 n/a 0.3%
    UNIVERSAL 1 CREDIT UNION $480,000 $550,000 14.6% 0.3%
    BROKER SOLUTIONS, INC. $720,000 $520,000 -27.8% 0.2%
    FIRST OHIO HOME FINANCE, INC. $465,000 $485,000 4.3% 0.2%
    Third Federal Savings and Loan Association of Cleveland $970,000 $485,000 -50.0% 0.2%
    LAKE MICHIGAN CREDIT UNION $475,000 n/a 0.2%
    The Union Bank Company $470,000 n/a 0.2%
    BAYSHORE MORTGAGE FUNDING, LLC $460,000 n/a 0.2%
    EQUITY RESOURCES, INC. $330,000 $420,000 27.3% 0.2%
    First National Bank of Pennsylvania $410,000 n/a 0.2%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $380,000 $410,000 7.9% 0.2%
    Guardian Savings Bank, A Federal Savings Bank $385,000 n/a 0.2%
    NAVY FEDERAL CREDIT UNION $945,000 $365,000 -61.4% 0.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $105,000 $365,000 247.6% 0.2%
    Nations Lending Corporation $520,000 $360,000 -30.8% 0.2%
    PLANET HOME LENDING, LLC $305,000 $360,000 18.0% 0.2%
    The Federal Savings Bank $85,000 $360,000 323.5% 0.2%
    Century Mortgage Company DBA Century Lending Company $355,000 n/a 0.2%
    CHURCHILL MORTGAGE CORPORATION $115,000 $355,000 208.7% 0.2%
    Figure Lending LLC $60,000 $330,000 450.0% 0.2%
    BETTER MORTGAGE CORPORATION $315,000 n/a 0.1%
    CARDINAL FINANCIAL $805,000 $315,000 -60.9% 0.1%
    LAKEVIEW LOAN SERVICING, LLC $320,000 $305,000 -4.7% 0.1%
    AmeriHome Mortgage Company, LLC $295,000 n/a 0.1%
    Coastal Community Bank $65,000 $295,000 353.8% 0.1%
    GUILD MORTGAGE COMPANY $145,000 $290,000 100.0% 0.1%
    Southern Hills Community Bank $85,000 $290,000 241.2% 0.1%
    LAND HOME FINANCIAL SERVICES, INC. $285,000 n/a 0.1%
    NEW DAY FINANCIAL, LLC $1,260,000 $285,000 -77.4% 0.1%
    PREMIA MORTGAGE, LLC $275,000 n/a 0.1%
    First Federal Savings and Loan Association of Lakewood $260,000 n/a 0.1%
    OCMBC, INC. $260,000 n/a 0.1%
    The Loan Store, Inc. $260,000 n/a 0.1%
    AMERICAN HERITAGE LENDING, INC. $250,000 n/a 0.1%
    Republic Bank & Trust Company $235,000 n/a 0.1%
    TJC Mortgage, Inc. $235,000 n/a 0.1%
    The Park National Bank $795,000 $225,000 -71.7% 0.1%
    Heartland Bank $315,000 $215,000 -31.7% 0.1%
    TOP FLITE FINANCIAL, INC. $300,000 $210,000 -30.0% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $515,000 $205,000 -60.2% 0.1%
    First Financial Bank $35,000 $200,000 471.4% 0.1%
    Peoples Bank $210,000 $200,000 -4.8% 0.1%
    AMERICAN PACIFIC MORTGAGE CORPORATION $165,000 $195,000 18.2% 0.1%
    KeyBank $195,000 $195,000 0.0% 0.1%
    Prosperity Home Mortgage, LLC $195,000 n/a 0.1%
    TOWNE MORTGAGE COMPANY $105,000 $195,000 85.7% 0.1%
    VAN DYK MORTGAGE CORPORATION $195,000 n/a 0.1%
    KEMBA FINANCIAL $45,000 $190,000 322.2% 0.1%
    MOVEMENT MORTGAGE, LLC $190,000 n/a 0.1%
    East Coast Capital Corp. $185,000 n/a 0.1%
    JPMorgan Chase Bank $1,000,000 $185,000 -81.5% 0.1%
    Residential Mortgage Solutions, Inc. $185,000 n/a 0.1%
    S1L, Inc. $185,000 n/a 0.1%
    TrueCore Federal Credit Union $195,000 $185,000 -5.1% 0.1%
    Victorian Finance, LLC $185,000 n/a 0.1%
    American Mortgage & Equity Consultants, Inc. $175,000 n/a 0.1%
    GUARANTEED RATE AFFINITY, LLC $460,000 $175,000 -62.0% 0.1%
    LEADERONE FINANCIAL CORPORATION $175,000 n/a 0.1%
    ROYAL UNITED MORTGAGE LLC $175,000 n/a 0.1%
    AXIA FINANCIAL, LLC $170,000 n/a 0.1%
    Citizens Bank $885,000 $170,000 -80.8% 0.1%
    PLAZA HOME MORTGAGE, INC. $170,000 n/a 0.1%
    EDUCATION FIRST CREDIT UNION, INC. $165,000 n/a 0.1%
    STOCKTON MORTGAGE CORPORATION $165,000 n/a 0.1%
    AFFORDABLE MORTGAGE ADVISORS, LLC. $155,000 n/a 0.1%
    MILEND, INC. $155,000 n/a 0.1%
    RELIANCE FIRST CAPITAL, LLC $340,000 $155,000 -54.4% 0.1%
    The Citizens National Bank of Bluffton $725,000 $155,000 -78.6% 0.1%
    MYCUMORTGAGE, LLC $145,000 n/a 0.1%
    TELHIO $240,000 $135,000 -43.8% 0.1%
    AMERISAVE MORTGAGE CORPORATION $325,000 $130,000 -60.0% 0.1%
    DEEPHAVEN MORTGAGE LLC $125,000 n/a 0.1%
    GENERAL ELECTRIC CREDIT UNION $105,000 $125,000 19.0% 0.1%
    LOANPAL, LLC $125,000 n/a 0.1%
    CME Federal Credit Union $225,000 $110,000 -51.1% 0.1%
    GREENWOOD $110,000 n/a 0.1%
    S&T Bank $105,000 n/a 0.0%
    Wells Fargo Bank $510,000 $95,000 -81.4% 0.0%
    Barrington Bank & Trust Company, N.A. $105,000 $85,000 -19.0% 0.0%
    Minster Bank $85,000 n/a 0.0%
    FINANCE OF AMERICA REVERSE LLC $75,000 $75,000 0.0% 0.0%
    AMERICAN FINANCING CORPORATION $65,000 n/a 0.0%
    GEORGIA'S OWN $55,000 n/a 0.0%
    SPRING EQ, LLC $55,000 n/a 0.0%
    21ST MORTGAGE CORPORATION $385,000 $35,000 -90.9% 0.0%
    HONDA Federal Credit Union $25,000 n/a 0.0%

    Chillicothe's top lender by overall market share is GUARANTEED RATE, INC., with 13.9% market share. In second place, with 9.5%, is THE VINTON COUNTY NATIONAL BANK, having originated $20,755,000 in loans. In third place, with 4.9%, is The Huntington National Bank, having originated $10,710,000 in loans. In fourth place, with 4.5%, is GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION, having originated $9,730,000 in loans. In fifth place, with 4.3%, is QUICKEN LOANS, LLC, having originated $9,420,000 in loans.

    Chillicothe Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - Chillicothe (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 $139,975 (16.7%) $168,929 (10.2%) 0.00 230
    2018-02-01 $141,925 (21.3%) $166,573 (10.5%) 0.00 233
    2018-03-01 $146,000 (23.8%) $168,658 (11.8%) 0.00 238
    2018-04-01 $144,700 (18.4%) $170,278 (8.2%) 0.00 248
    2018-05-01 $144,350 (11.1%) $163,228 (-0.1%) 0.00 251
    2018-06-01 $139,900 (3.7%) $163,458 (-1.4%) 0.00 245
    2018-07-01 $144,900 (9.4%) $172,694 (6.6%) 0.00 240
    2018-08-01 $139,350 (3.3%) $170,693 (4.0%) 0.00 227
    2018-09-01 $137,000 (1.6%) $174,500 (6.4%) 0.00 238
    2018-10-01 $130,900 (-4.7%) $165,189 (-3.3%) 0.00 247
    2018-11-01 $127,450 (-8.3%) $162,328 (-4.7%) 0.00 255
    2018-12-01 $126,445 (-9.0%) $164,289 (-2.8%) 0.00 233
    2019-01-01 $130,743 (-6.6%) $178,060 (5.4%) 0.00 234
    2019-02-01 $127,970 (-9.8%) $175,009 (5.1%) 0.00 213
    2019-03-01 $134,066 (-8.2%) $174,867 (3.7%) 0.00 208
    2019-04-01 $139,500 (-3.6%) $176,845 (3.9%) 0.00 189
    2019-05-01 $144,495 (0.1%) $183,190 (12.2%) 0.00 187
    2019-06-01 $149,900 (7.2%) $186,376 (14.0%) 0.00 182
    2019-07-01 $149,900 (3.5%) $185,401 (7.4%) 0.00 168
    2019-08-01 $149,900 (7.6%) $185,861 (8.9%) 0.00 169
    2019-09-01 $149,900 (9.4%) $186,654 (7.0%) 0.00 182
    2019-10-01 $154,450 (18.0%) $189,573 (14.8%) 0.00 185
    2019-11-01 $150,000 (17.7%) $189,708 (16.9%) 0.00 176
    2019-12-01 $147,445 (16.6%) $170,348 (3.7%) 0.00 152
    2020-01-01 $149,900 (14.7%) $170,596 (-4.2%) 0.00 136
    2020-02-01 $149,900 (17.1%) $187,035 (6.9%) 0.00 131
    2020-03-01 $161,975 (20.8%) $197,125 (12.7%) 0.00 113
    2020-04-01 $181,475 (30.1%) $213,511 (20.7%) 0.00 125
    2020-05-01 $189,900 (31.4%) $222,353 (21.4%) 0.00 116
    2020-06-01 $186,425 (24.4%) $232,607 (24.8%) 0.00 92
    2020-07-01 $191,975 (28.1%) $231,733 (25.0%) 0.00 81
    2020-08-01 $172,450 (15.0%) $228,577 (23.0%) 0.00 83
    2020-09-01 $177,450 (18.4%) $228,853 (22.6%) 0.00 73
    2020-10-01 $169,900 (10.0%) $219,578 (15.8%) 0.00 98
    2020-11-01 $169,900 (13.3%) $217,425 (14.6%) 0.00 110
    2020-12-01 $169,250 (14.8%) $219,277 (28.7%) 0.00 96
    2021-01-01 $169,450 (13.0%) $241,524 (41.6%) 0.00 82
    2021-02-01 $169,450 (13.0%) $268,336 (43.5%) 0.00 66
    2021-03-01 $164,475 (1.5%) $267,881 (35.9%) 0.00 52
    2021-04-01 $175,575 (-3.3%) $269,729 (26.3%) 0.00 52
    2021-05-01 $179,900 (-5.3%) $268,615 (20.8%) 0.00 53
    2021-06-01 $184,875 (-0.8%) $298,433 (28.3%) 0.00 57
    2021-07-01 $171,950 (-10.4%) $273,451 (18.0%) 0.00 76
    2021-08-01 $182,000 (5.5%) $277,784 (21.5%) 0.00 80
    2021-09-01 $194,700 (9.7%) $284,144 (24.2%) 0.00 78
    2021-10-01 $169,900 (0.0%) $261,221 (19.0%) 0.00 79
    2021-11-01 $163,675 (-3.7%) $266,450 (22.6%) 0.00 71
    2021-12-01 $170,975 (1.0%) $269,623 (23.0%) 0.00 65
    2022-01-01 $170,000 (0.3%) $293,763 (21.6%) 0.00 46
    2022-02-01 $154,825 (-8.6%) $313,225 (16.7%) 0.00 35
    2022-03-01 $240,725 (46.4%) $333,816 (24.6%) 0.00 44
    2022-04-01 $229,900 (30.9%) $318,714 (18.2%) 0.00 45
    2022-05-01 $230,725 (28.3%) $298,889 (11.3%) 0.00 55
    2022-06-01 $229,900 (24.4%) $328,364 (10.0%) 0.00 63
    2022-07-01 $237,450 (38.1%) $327,800 (19.9%) 0.00 84
    2022-08-01 $244,975 (34.6%) $342,111 (23.2%) 0.00 86
    2022-09-01 $231,750 (19.0%) $324,883 (14.3%) 0.00 85
    2022-10-01 $242,700 (42.9%) $339,930 (30.1%) 0.00 91
    2022-11-01 $241,750 (47.7%) $331,588 (24.5%) 0.00 92
    2022-12-01 $263,700 (54.2%) $336,586 (24.8%) 0.00 82
    2023-01-01 $253,750 (49.3%) $298,299 (1.5%) 0.00 70
    2023-02-01 $246,850 (59.4%) $307,088 (-2.0%) 0.00 60
    2023-03-01 $302,500 (25.7%) $337,415 (1.1%) 0.00 61
    2023-04-01 $314,450 (36.8%) $340,229 (6.8%) 0.00 58
    2023-05-01 $270,000 (17.0%) $304,168 (1.8%) 0.00 63
    2023-06-01 $269,450 (17.2%) $325,006 (-1.0%) 0.00 72
    2023-07-01 $299,900 (26.3%) $347,995 (6.2%) 0.00 77
    2023-08-01 $270,000 (10.2%) $329,379 (-3.7%) 0.00 84
    2023-09-01 $280,000 (20.8%) $330,169 (1.6%) 0.00 88
    2023-10-01 $291,950 (20.3%) $346,815 (2.0%) 0.00 96
    2023-11-01 $249,900 (3.4%) $309,232 (-6.7%) 0.00 110
    2023-12-01 $249,000 (-5.6%) $303,224 (-9.9%) 0.00 109
    2024-01-01 $247,450 (-2.5%) $297,649 (-0.2%) 0.00 80
    2024-02-01 $244,925 (-0.8%) $284,678 (-7.3%) 0.00 68
    2024-03-01 $240,000 (-20.7%) $279,080 (-17.3%) 0.00 62
    2024-04-01 $249,988 (-20.5%) $295,332 (-13.2%) 0.00 51
    2024-05-01 $269,200 (-0.3%) $320,613 (5.4%) 0.00 65
    2024-06-01 $285,000 (5.8%) $336,318 (3.5%) 0.00 71
    2024-07-01 $272,450 (-9.2%) $312,353 (-10.2%) 0.00 88
    2024-08-01 $266,750 (-1.2%) $309,650 (-6.0%) 0.00 100
    2024-09-01 $267,000 (-4.6%) $309,638 (-6.2%) 0.00 104
    2024-10-01 $272,450 (-6.7%) $302,427 (-12.8%) 0.00 113
    2024-11-01 $269,000 (7.6%) $301,349 (-2.6%) 0.00 135
    2024-12-01 $256,875 (3.2%) $297,408 (-1.9%) 0.00 125
    2025-01-01 $249,900 (1.0%) $295,336 (-0.8%) 0.00 120
    2025-02-01 $251,175 (2.6%) $312,880 (9.9%) 0.00 94
    2025-03-01 $259,900 (8.3%) $327,227 (17.3%) 0.00 94
    Chillicothe's median listing price for 2025-03-01 was $259,900, a difference of $19,900 (8.3%) versus the prior year and $8,725 versus the prior month.

    Chillicothe's median listing price comes in at 0% of the national average.

    Chillicothe's average listing price for 2025-03-01 was $327,227, a difference of $48,147 (17.3%) versus the prior year and $14,347 versus the prior month.

    For the 2025-03-01 period, Chillicothe had 94 MLS listings, a difference of 0 listings (0%) versus the prior month and 32 listings (52%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Chillicothe (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,571 sqft
    2018-02-01 0 days 1,558 sqft
    2018-03-01 0 days 1,621 sqft
    2018-04-01 0 days 1,612 sqft
    2018-05-01 0 days 1,498 sqft
    2018-06-01 0 days 1,500 sqft
    2018-07-01 0 days 1,536 sqft
    2018-08-01 0 days 1,544 sqft
    2018-09-01 0 days 1,536 sqft
    2018-10-01 0 days 1,479 sqft
    2018-11-01 0 days 1,452 sqft
    2018-12-01 0 days 1,448 sqft
    2019-01-01 0 days 1,454 sqft
    2019-02-01 0 days 1,438 sqft
    2019-03-01 0 days 1,443 sqft
    2019-04-01 0 days 1,437 sqft
    2019-05-01 0 days 1,443 sqft
    2019-06-01 0 days 1,480 sqft
    2019-07-01 0 days 1,508 sqft
    2019-08-01 0 days 1,558 sqft
    2019-09-01 0 days 1,542 sqft
    2019-10-01 0 days 1,558 sqft
    2019-11-01 0 days 1,530 sqft
    2019-12-01 0 days 1,425 sqft
    2020-01-01 0 days 1,454 sqft
    2020-02-01 0 days 1,456 sqft
    2020-03-01 0 days 1,544 sqft
    2020-04-01 0 days 1,675 sqft
    2020-05-01 0 days 1,739 sqft
    2020-06-01 0 days 1,727 sqft
    2020-07-01 0 days 1,723 sqft
    2020-08-01 0 days 1,600 sqft
    2020-09-01 0 days 1,656 sqft
    2020-10-01 0 days 1,552 sqft
    2020-11-01 0 days 1,559 sqft
    2020-12-01 0 days 1,544 sqft
    2021-01-01 0 days 1,512 sqft
    2021-02-01 0 days 1,642 sqft
    2021-03-01 0 days 1,511 sqft
    2021-04-01 0 days 1,639 sqft
    2021-05-01 0 days 1,536 sqft
    2021-06-01 0 days 1,552 sqft
    2021-07-01 0 days 1,622 sqft
    2021-08-01 0 days 1,576 sqft
    2021-09-01 0 days 1,532 sqft
    2021-10-01 0 days 1,552 sqft
    2021-11-01 0 days 1,558 sqft
    2021-12-01 0 days 1,476 sqft
    2022-01-01 0 days 1,472 sqft
    2022-02-01 0 days 1,613 sqft
    2022-03-01 0 days 1,573 sqft
    2022-04-01 0 days 1,551 sqft
    2022-05-01 0 days 1,555 sqft
    2022-06-01 0 days 1,705 sqft
    2022-07-01 0 days 1,783 sqft
    2022-08-01 0 days 1,696 sqft
    2022-09-01 0 days 1,646 sqft
    2022-10-01 0 days 1,755 sqft
    2022-11-01 0 days 1,746 sqft
    2022-12-01 0 days 1,716 sqft
    2023-01-01 0 days 1,672 sqft
    2023-02-01 0 days 1,566 sqft
    2023-03-01 0 days 1,979 sqft
    2023-04-01 0 days 1,876 sqft
    2023-05-01 0 days 1,659 sqft
    2023-06-01 0 days 1,691 sqft
    2023-07-01 0 days 1,847 sqft
    2023-08-01 0 days 1,611 sqft
    2023-09-01 0 days 1,740 sqft
    2023-10-01 0 days 1,791 sqft
    2023-11-01 0 days 1,628 sqft
    2023-12-01 0 days 1,632 sqft
    2024-01-01 0 days 1,506 sqft
    2024-02-01 0 days 1,492 sqft
    2024-03-01 0 days 1,448 sqft
    2024-04-01 0 days 1,644 sqft
    2024-05-01 0 days 1,787 sqft
    2024-06-01 0 days 1,824 sqft
    2024-07-01 0 days 1,763 sqft
    2024-08-01 0 days 1,699 sqft
    2024-09-01 0 days 1,665 sqft
    2024-10-01 0 days 1,695 sqft
    2024-11-01 0 days 1,628 sqft
    2024-12-01 0 days 1,658 sqft
    2025-01-01 0 days 1,573 sqft
    2025-02-01 0 days 1,598 sqft
    2025-03-01 0 days 1,624 sqft
    Chillicothe's median listing age (time on market) for 2025-03-01 was 0 days.

    Chillicothe's median square footage for active listings during the 2025-03-01 period was 1,624 sqft. One year prior, the average listing was 1,448 sqft.

    Chillicothe, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 676 $145,030,000 $214,541
    Cash Out Refi 166 $26,710,000 $160,904
    Refi 154 $28,300,000 $183,766
    Other 111 $9,415,000 $84,820
    Home Improvement 109 $8,115,000 $74,450

    Chillicothe's most frequently cited loan purpose was Home Purchase, with 676 originations. The 2nd most popular reason was Cash Out Refi, with 166 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 446 $92,330,000 $207,018
    Over 8% 278 $25,510,000 $91,763
    7-8% 265 $51,445,000 $194,132
    5-6% 99 $29,455,000 $297,525
    3-4% 24 $2,440,000 $101,667
    <2.5% 13 $245,000 $18,846
    4-5% 8 $2,220,000 $277,500

    During 2024, Chillicothe's most frequently originated rate bucket was 6-7%, with 446 originations.

    Loan Sizing (Chillicothe, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 468 $70,290,000 $150,192
    $100,000 or less 348 $20,670,000 $59,397
    $200k-400k 345 $91,465,000 $265,116
    $400k-600k 45 $20,785,000 $461,889
    $600k-1000k 9 $7,205,000 $800,556
    $Over $1MM 1 $7,155,000 $7,155,000

    Chillicothe's loan sizing saw the bucket of loans from $100k-200k with 468 originations, totaling $70,290,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 509 $112,575,000 $221,169
    60-80% 202 $43,730,000 $216,485
    20-40% 149 $12,225,000 $82,047
    Under 20% 124 $5,200,000 $41,935
    40-60% 96 $13,960,000 $145,417
    Over 100% 32 $10,500,000 $328,125

    Chillicothe's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 509 originations, totaling $112,575,000 in origination value.