Portsmouth 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 Portsmouth averaged 6.81% for the week of 2024-12-12, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2024-12-05) was 6.5% and one month ago for the week of 2024-11-07, the average rate was 7%.

    Portsmouth's average rate one year ago was 6.94%.

    For refis of the same type during the week of 2024-12-12, the average rate was 7.1%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2024-12-12 6.6%
    Portsmouth 30 Year Fixed Rate 2024-12-12 6.81%
    Portsmouth 30 Year Fixed Rate Refi 2024-12-12 7.1%
    Portsmouth 15 Year Fixed Rate 2024-12-12 6.04%
    Portsmouth 15 Year Fixed Rate Refi 2024-12-12 6.24%
    Portsmouth 30 Year FHA 2024-12-12 6.41%
    Portsmouth 30 Year FHA Refi 2024-12-12 6.08%
    Portsmouth 30 Year USDA 2024-12-12 6.2%
    Portsmouth 30 Year USDA Refi 2024-12-12 6.1%
    Portsmouth 30 Year VA 2024-12-12 6.08%
    Portsmouth 30 Year VA Refi 2024-12-12 5.98%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within Portsmouth, OH.

    Portsmouth 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 Portsmouth, 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 2023 Avg. 30yFix Rate 2023 Avg. Closing Costs
    Fifth Third Bank 68 6.71% $3,966
    U.S. Bank 42 6.64% $3,757
    DESCO 32 6.93% $3,490
    Peoples Bank 18 6.87% $3,028
    QUICKEN LOANS, LLC 13 6.77% $5,878
    WesBanco 10 6.60% $5,004
    Mortgage Research Center, LLC 6 6.92% $2,773
    First State Bank 5 6.18% $2,437
    GUARANTEED RATE, INC. 5 7.25% $4,606
    The Ohio Valley Bank Company 5 7.25% $3,325
    Farm Credit Mid-America, ACA 5 6.90% $6,361
    MOVEMENT MORTGAGE, LLC 4 7.09% $6,284
    PNC Bank 4 6.88% $3,496
    Citizens Bank 4 6.59% $4,453
    NJ LENDERS CORP. 3 7.33% $4,201
    Discover Bank 3 7.36% $0
    City National Bank of West Virginia 3 6.28% $975
    RAPID MORTGAGE COMPANY 3 7.54% $7,749
    UNITED WHOLESALE MORTGAGE, LLC 3 7.21% $5,690
    21ST MORTGAGE CORPORATION 2 7.30% $6,245
    BAYSHORE MORTGAGE FUNDING, LLC 2 7.00% $5,945
    EQUITY RESOURCES, INC. 2 6.75% $4,320
    JPMorgan Chase Bank 2 6.31% $6,123
    STOCKTON MORTGAGE CORPORATION 2 6.44% $4,223
    The Huntington National Bank 2 7.50% $3,769
    HOMESIDE FINANCIAL, LLC 1 6.38% $6,953
    VANDERBILT MORTGAGE AND FINANCE, INC. 1 8.50% $7,280
    First United Bank and Trust Company 1 7.50% $5,140
    First National Bank of Pennsylvania 1 6.25% $4,176
    Mr. Cooper ( Nationstar Mortgage ) 1 6.99% $15,702
    NAVY FEDERAL CREDIT UNION 1 7.38% $1,994
    NEWREZ LLC 1 6.88% $6,084
    First Financial Bank 1 7.63% $4,738
    Paramount Residential Mortgage Group, Inc. 1 7.50% $5,654
    PENNYMAC LOAN SERVICES, LLC 1 7.50% $2,914
    First Commonwealth Bank 1 6.88% $3,452
    FCN Bank 1 6.75% $2,696
    POLARIS HOME FUNDING CORP. 1 6.88% $6,014
    DAS Acquisition Company, LLC 1 6.99% $5,154
    BROKER SOLUTIONS, INC. 1 7.63% $4,279
    Regions Bank 1 5.88% $3,437
    ROYAL UNITED MORTGAGE LLC 1 8.13% $5,283
    AHL FUNDING 1 7.38% $9,674
    SUPERIOR FINANCIAL SOLUTIONS, LLC 1 7.88% $6,013
    T2 FINANCIAL LLC 1 6.13% $3,988
    The Ephrata National Bank 1 6.13% $5,300
    ZILLOW HOME LOANS, LLC 1 7.13% $4,891
    BAYER HERITAGE 1 7.00% $2,219
    The Park National Bank 1 6.63% $3,860
    THE VINTON COUNTY NATIONAL BANK 1 7.63% $3,984
    Union Savings Bank 1 6.50% $2,439
    United Bank 1 5.75% $3,691
    ARC HOME LLC 1 6.13% $9,791
    AMERISAVE MORTGAGE CORPORATION 1 7.25% $5,376
    Gateway First Bank 1 6.25% $3,947
    FREEDOM MORTGAGE CORPORATION 1 5.63% $7,739
    Heartland Bank 1 6.75% $3,275

    Portsmouth Average Closing Costs & Other Stats

    Portsmouth, OH's 57 lenders originated 971 loans during 2023. The total origination value was $123,325,000, with an average loan value of $127,008.

    Portsmouth's average closing costs are $4,429.

    The top Portsmouth lender as defined by loan originations is Fifth Third Bank, with 68 loans originated. Their average total fees are $3,966, which is $209 higher than the next largest lender, U.S. Bank.

    The lowest fee Portsmouth lenders (with over 10 loans originated) are Peoples Bank ($3,028), DESCO ($3,490), U.S. Bank ($3,757), Fifth Third Bank ($3,966) and WesBanco ($5,004).

    The lowest rate Portsmouth lenders (with over 10 loans originated) are WesBanco (6.60%), U.S. Bank (6.64%), Fifth Third Bank (6.71%), QUICKEN LOANS, LLC (6.77%) and Peoples Bank (6.87%).

    Portsmouth, 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 2022 Loan Value 2023 Loan Value % Change 2023 Market Share
    Fifth Third Bank $16,495,000 $15,005,000 -9.0% 12.2%
    DESCO $18,860,000 $11,965,000 -36.6% 9.7%
    U.S. Bank $15,410,000 $11,355,000 -26.3% 9.2%
    ATOMIC CREDIT UNION, INC. $10,075,000 $10,275,000 2.0% 8.3%
    QUICKEN LOANS, LLC $9,085,000 $6,930,000 -23.7% 5.6%
    WesBanco $7,105,000 $5,925,000 -16.6% 4.8%
    Peoples Bank $7,315,000 $5,070,000 -30.7% 4.1%
    Mortgage Research Center, LLC $3,975,000 $3,715,000 -6.5% 3.0%
    Citizens Bank $4,740,000 $3,380,000 -28.7% 2.7%
    MOVEMENT MORTGAGE, LLC $4,810,000 $2,845,000 -40.9% 2.3%
    PNC Bank $4,615,000 $2,180,000 -52.8% 1.8%
    VANDERBILT MORTGAGE AND FINANCE, INC. $2,660,000 $1,790,000 -32.7% 1.5%
    City National Bank of West Virginia $1,580,000 $1,710,000 8.2% 1.4%
    RAPID MORTGAGE COMPANY $260,000 $1,550,000 496.2% 1.3%
    POLARIS HOME FUNDING CORP. $3,455,000 $1,545,000 -55.3% 1.3%
    BAYSHORE MORTGAGE FUNDING, LLC $4,175,000 $1,535,000 -63.2% 1.2%
    Farm Credit Mid-America, ACA $3,605,000 $1,525,000 -57.7% 1.2%
    UNITED WHOLESALE MORTGAGE, LLC $925,000 $1,260,000 36.2% 1.0%
    USAA Federal Savings Bank $450,000 $1,240,000 175.6% 1.0%
    MYCUMORTGAGE, LLC $1,945,000 $1,155,000 -40.6% 0.9%
    THE VINTON COUNTY NATIONAL BANK $440,000 $1,130,000 156.8% 0.9%
    UNION HOME MORTGAGE CORP. $1,195,000 $1,115,000 -6.7% 0.9%
    EQUITY RESOURCES, INC. $1,375,000 $1,110,000 -19.3% 0.9%
    First State Bank $950,000 $1,085,000 14.2% 0.9%
    GUARANTEED RATE, INC. $185,000 $1,060,000 473.0% 0.9%
    NAVY FEDERAL CREDIT UNION $675,000 $1,050,000 55.6% 0.9%
    GREYSTONE SERVICING COMPANY LLC $975,000 n/a 0.8%
    The Ohio Valley Bank Company $2,505,000 $785,000 -68.7% 0.6%
    Discover Bank $35,000 $735,000 2,000.0% 0.6%
    LOANDEPOT.COM, LLC $435,000 $675,000 55.2% 0.5%
    CROSSCOUNTRY MORTGAGE, LLC $270,000 $640,000 137.0% 0.5%
    21ST MORTGAGE CORPORATION $315,000 $635,000 101.6% 0.5%
    MEMBERS CHOICE $945,000 $530,000 -43.9% 0.4%
    Union Savings Bank $105,000 $530,000 404.8% 0.4%
    PENNYMAC LOAN SERVICES, LLC $675,000 $465,000 -31.1% 0.4%
    CMG MORTGAGE, INC. $295,000 $445,000 50.8% 0.4%
    First National Bank of Pennsylvania $435,000 n/a 0.4%
    The Huntington National Bank $1,650,000 $430,000 -73.9% 0.3%
    FREEDOM MORTGAGE CORPORATION $690,000 $425,000 -38.4% 0.3%
    AHL FUNDING $415,000 n/a 0.3%
    BROKER SOLUTIONS, INC. $570,000 $410,000 -28.1% 0.3%
    Mr. Cooper ( Nationstar Mortgage ) $520,000 $410,000 -21.2% 0.3%
    First Commonwealth Bank $395,000 n/a 0.3%
    First IC Corporation $395,000 n/a 0.3%
    SOUTHWEST STAGE FUNDING, LLC $475,000 $385,000 -18.9% 0.3%
    The State Bank and Trust Company $385,000 n/a 0.3%
    NEWREZ LLC $220,000 $380,000 72.7% 0.3%
    ROYAL UNITED MORTGAGE LLC $85,000 $375,000 341.2% 0.3%
    Nations Lending Corporation $260,000 $360,000 38.5% 0.3%
    GreenStone Farm Credit Services, FLCA $355,000 n/a 0.3%
    DAS Acquisition Company, LLC $580,000 $350,000 -39.7% 0.3%
    ARC HOME LLC $325,000 n/a 0.3%
    Third Federal Savings and Loan Association of Cleveland $355,000 $310,000 -12.7% 0.3%
    First Federal Community Bank of Bucyrus $305,000 n/a 0.2%
    Kingston National Bank $305,000 n/a 0.2%
    CREDIT HUMAN FEDERAL CREDIT UNION $295,000 n/a 0.2%
    Strong Home Mortgage, LLC $295,000 n/a 0.2%
    HOMESIDE FINANCIAL, LLC $430,000 $290,000 -32.6% 0.2%
    NFM, INC. $465,000 $285,000 -38.7% 0.2%
    STOCKTON MORTGAGE CORPORATION $370,000 $280,000 -24.3% 0.2%
    SUPERIOR FINANCIAL SOLUTIONS, LLC $275,000 n/a 0.2%
    Citizens Bank of Kentucky, Inc. $265,000 n/a 0.2%
    Paramount Residential Mortgage Group, Inc. $605,000 $260,000 -57.0% 0.2%
    KeyBank $255,000 n/a 0.2%
    JPMorgan Chase Bank $1,545,000 $250,000 -83.8% 0.2%
    RUOFF MORTGAGE COMPANY, INC. $115,000 $250,000 117.4% 0.2%
    SUN WEST MORTGAGE COMPANY, INC. $125,000 $250,000 100.0% 0.2%
    FIRST SERVICE FCU $235,000 n/a 0.2%
    LENDINGHOME FUNDING CORPORATION $220,000 n/a 0.2%
    Community Trust Bank, Inc. $635,000 $215,000 -66.1% 0.2%
    The Park National Bank $215,000 n/a 0.2%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $205,000 n/a 0.2%
    GUILD MORTGAGE COMPANY $390,000 $205,000 -47.4% 0.2%
    Equity Prime Mortgage LLC $115,000 $195,000 69.6% 0.2%
    NJ LENDERS CORP. $195,000 n/a 0.2%
    Bank of England $125,000 $170,000 36.0% 0.1%
    Barrington Bank & Trust Company, N.A. $165,000 n/a 0.1%
    Victorian Finance, LLC $85,000 $165,000 94.1% 0.1%
    Residential Mortgage Solutions, Inc. $155,000 n/a 0.1%
    AMERISAVE MORTGAGE CORPORATION $850,000 $150,000 -82.4% 0.1%
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $480,000 $150,000 -68.8% 0.1%
    Flagstar Bank, FSB $1,950,000 $150,000 -92.3% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $1,075,000 $145,000 -86.5% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $305,000 $140,000 -54.1% 0.1%
    CONTOUR MORTGAGE CORPORATION $135,000 n/a 0.1%
    FIRST COMMUNITY MORTGAGE, INC. $135,000 n/a 0.1%
    First United Bank and Trust Company $135,000 n/a 0.1%
    Regions Bank $135,000 n/a 0.1%
    TOTAL MORTGAGE SERVICES, LLC $135,000 n/a 0.1%
    VILLAGE CAPITAL MORTGAGE $75,000 $135,000 80.0% 0.1%
    OPEN MORTGAGE, LLC $125,000 n/a 0.1%
    United Bank $125,000 n/a 0.1%
    FIRST OHIO HOME FINANCE, INC. $150,000 $115,000 -23.3% 0.1%
    Heartland Bank $115,000 n/a 0.1%
    LIMA ONE CAPITAL, LLC $115,000 n/a 0.1%
    CALIBER HOME LOANS, INC. $585,000 $105,000 -82.1% 0.1%
    Carrington Mortgage Services, LLC $255,000 $105,000 -58.8% 0.1%
    Coastal Community Bank $105,000 n/a 0.1%
    The Ephrata National Bank $105,000 n/a 0.1%
    TOP FLITE FINANCIAL, INC. $210,000 $105,000 -50.0% 0.1%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $295,000 $95,000 -67.8% 0.1%
    FCN Bank $95,000 n/a 0.1%
    LIBERTY HOME MORTGAGE CORPORATION $95,000 n/a 0.1%
    NEW DAY FINANCIAL, LLC $685,000 $95,000 -86.1% 0.1%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $95,000 n/a 0.1%
    Wells Fargo Bank $65,000 $95,000 46.2% 0.1%
    Gateway First Bank $85,000 n/a 0.1%
    Kentucky Farmers Bank Corporation $495,000 $85,000 -82.8% 0.1%
    T2 FINANCIAL LLC $75,000 n/a 0.1%
    ZILLOW HOME LOANS, LLC $75,000 n/a 0.1%
    BAYER HERITAGE $65,000 n/a 0.1%
    Liberty Bank $65,000 n/a 0.1%
    First Financial Bank $55,000 n/a 0.0%
    ASHLAND Credit Union $85,000 $35,000 -58.8% 0.0%
    UNIVERSAL 1 CREDIT UNION $55,000 $35,000 -36.4% 0.0%
    Centier Bank $25,000 n/a 0.0%
    GENERAL ELECTRIC CREDIT UNION $140,000 $25,000 -82.1% 0.0%

    Portsmouth's top lender by overall market share is Fifth Third Bank, with 12.2% market share. In second place, with 9.7%, is DESCO, having originated $11,965,000 in loans. In third place, with 9.2%, is U.S. Bank, having originated $11,355,000 in loans. In fourth place, with 8.3%, is ATOMIC CREDIT UNION, INC., having originated $10,275,000 in loans. In fifth place, with 5.6%, is QUICKEN LOANS, LLC, having originated $6,930,000 in loans.

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

    Realtor.com - Portsmouth (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 $103,200 (-2.6%) $142,122 (8.8%) 0.00 313
    2018-02-01 $99,900 (-6.4%) $139,313 (6.7%) 0.00 324
    2018-03-01 $109,950 (1.9%) $147,310 (14.2%) 0.00 312
    2018-04-01 $113,500 (3.3%) $152,395 (18.1%) 0.00 307
    2018-05-01 $119,800 (0.5%) $153,281 (13.0%) 0.00 324
    2018-06-01 $119,250 (-0.4%) $151,519 (5.8%) 0.00 328
    2018-07-01 $119,825 (-2.6%) $150,583 (2.8%) 0.00 336
    2018-08-01 $118,625 (-2.4%) $146,762 (-0.6%) 0.00 348
    2018-09-01 $111,000 (-3.5%) $145,287 (0.5%) 0.00 334
    2018-10-01 $108,000 (-4.8%) $145,048 (0.4%) 0.00 332
    2018-11-01 $105,000 (-2.8%) $143,195 (2.8%) 0.00 332
    2018-12-01 $103,800 (3.9%) $145,044 (4.6%) 0.00 315
    2019-01-01 $102,150 (-1.0%) $143,450 (0.9%) 0.00 304
    2019-02-01 $113,100 (13.2%) $151,314 (8.6%) 0.00 300
    2019-03-01 $114,236 (3.9%) $152,636 (3.6%) 0.00 292
    2019-04-01 $118,925 (4.8%) $153,045 (0.4%) 0.00 284
    2019-05-01 $125,000 (4.3%) $152,539 (-0.5%) 0.00 284
    2019-06-01 $124,900 (4.7%) $152,694 (0.8%) 0.00 281
    2019-07-01 $121,900 (1.7%) $153,076 (1.7%) 0.00 289
    2019-08-01 $122,382 (3.2%) $156,868 (6.9%) 0.00 290
    2019-09-01 $126,105 (13.6%) $160,113 (10.2%) 0.00 279
    2019-10-01 $129,000 (19.4%) $162,057 (11.7%) 0.00 274
    2019-11-01 $119,000 (13.3%) $150,804 (5.3%) 0.00 255
    2019-12-01 $109,450 (5.4%) $145,086 (0.0%) 0.00 252
    2020-01-01 $112,475 (10.1%) $140,536 (-2.0%) 0.00 244
    2020-02-01 $110,450 (-2.3%) $139,352 (-7.9%) 0.00 255
    2020-03-01 $116,000 (1.5%) $141,873 (-7.1%) 0.00 232
    2020-04-01 $119,375 (0.4%) $152,465 (-0.4%) 0.00 225
    2020-05-01 $119,950 (-4.0%) $161,072 (5.6%) 0.00 194
    2020-06-01 $125,000 (0.1%) $165,042 (8.1%) 0.00 176
    2020-07-01 $139,450 (14.4%) $179,038 (17.0%) 0.00 166
    2020-08-01 $139,000 (13.6%) $181,715 (15.8%) 0.00 150
    2020-09-01 $142,450 (13.0%) $182,328 (13.9%) 0.00 144
    2020-10-01 $136,500 (5.8%) $184,049 (13.6%) 0.00 133
    2020-11-01 $135,000 (13.5%) $189,434 (25.6%) 0.00 119
    2020-12-01 $127,450 (16.5%) $190,995 (31.6%) 0.00 105
    2021-01-01 $129,500 (15.1%) $199,192 (41.7%) 0.00 97
    2021-02-01 $138,675 (25.6%) $211,758 (52.0%) 0.00 86
    2021-03-01 $143,700 (23.9%) $199,019 (40.3%) 0.00 82
    2021-04-01 $152,450 (27.7%) $193,119 (26.7%) 0.00 69
    2021-05-01 $147,450 (22.9%) $169,637 (5.3%) 0.00 71
    2021-06-01 $122,425 (-2.1%) $164,017 (-0.6%) 0.00 65
    2021-07-01 $147,500 (5.8%) $173,462 (-3.1%) 0.00 85
    2021-08-01 $140,475 (1.1%) $169,762 (-6.6%) 0.00 92
    2021-09-01 $144,725 (1.6%) $180,864 (-0.8%) 0.00 82
    2021-10-01 $164,900 (20.8%) $194,615 (5.7%) 0.00 76
    2021-11-01 $161,175 (19.4%) $199,613 (5.4%) 0.00 70
    2021-12-01 $159,700 (25.3%) $191,224 (0.1%) 0.00 71
    2022-01-01 $160,000 (23.6%) $198,326 (-0.4%) 0.00 59
    2022-02-01 $145,725 (5.1%) $212,863 (0.5%) 0.00 51
    2022-03-01 $140,200 (-2.4%) $216,443 (8.8%) 0.00 58
    2022-04-01 $160,000 (5.0%) $262,824 (36.1%) 0.00 59
    2022-05-01 $171,550 (16.3%) $231,026 (36.2%) 0.00 68
    2022-06-01 $159,975 (30.7%) $213,566 (30.2%) 0.00 95
    2022-07-01 $164,700 (11.7%) $210,669 (21.5%) 0.00 107
    2022-08-01 $155,350 (10.6%) $214,569 (26.4%) 0.00 101
    2022-09-01 $156,650 (8.2%) $206,708 (14.3%) 0.00 104
    2022-10-01 $151,950 (-7.9%) $202,613 (4.1%) 0.00 89
    2022-11-01 $148,600 (-7.8%) $181,952 (-8.9%) 0.00 84
    2022-12-01 $132,400 (-17.1%) $178,413 (-6.7%) 0.00 80
    2023-01-01 $129,925 (-18.8%) $182,547 (-8.0%) 0.00 87
    2023-02-01 $129,900 (-10.9%) $179,508 (-15.7%) 0.00 90
    2023-03-01 $129,900 (-7.4%) $172,178 (-20.5%) 0.00 94
    2023-04-01 $129,500 (-19.1%) $178,680 (-32.0%) 0.00 83
    2023-05-01 $148,075 (-13.7%) $192,947 (-16.5%) 0.00 71
    2023-06-01 $155,925 (-2.5%) $214,140 (0.3%) 0.00 72
    2023-07-01 $169,950 (3.2%) $201,938 (-4.1%) 0.00 80
    2023-08-01 $163,700 (5.4%) $188,814 (-12.0%) 0.00 91
    2023-09-01 $154,500 (-1.4%) $200,851 (-2.8%) 0.00 95
    2023-10-01 $169,700 (11.7%) $213,726 (5.5%) 0.00 111
    2023-11-01 $179,900 (21.1%) $239,057 (31.4%) 0.00 116
    2023-12-01 $189,000 (42.8%) $249,516 (39.9%) 0.00 109
    2024-01-01 $179,950 (38.5%) $253,178 (38.7%) 0.00 103
    2024-02-01 $177,225 (36.4%) $247,663 (38.0%) 0.00 98
    2024-03-01 $184,900 (42.3%) $251,526 (46.1%) 0.00 92
    2024-04-01 $184,500 (42.5%) $253,998 (42.2%) 0.00 89
    2024-05-01 $177,450 (19.8%) $234,921 (21.8%) 0.00 94
    2024-06-01 $175,000 (12.2%) $242,421 (13.2%) 0.00 98
    2024-07-01 $179,950 (5.9%) $246,964 (22.3%) 0.00 105
    2024-08-01 $195,900 (19.7%) $245,347 (29.9%) 0.00 112
    2024-09-01 $187,925 (21.6%) $240,610 (19.8%) 0.00 131
    2024-10-01 $186,975 (10.2%) $229,726 (7.5%) 0.00 129
    2024-11-01 $189,900 (5.6%) $249,561 (4.4%) 0.00 130
    Portsmouth's median listing price for 2024-11-01 was $189,900, a difference of $10,000 (5.6%) versus the prior year and $2,925 versus the prior month.

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

    Portsmouth's average listing price for 2024-11-01 was $249,561, a difference of $10,504 (4.4%) versus the prior year and $19,835 versus the prior month.

    For the 2024-11-01 period, Portsmouth had 130 MLS listings, a difference of 1 listings (1%) versus the prior month and 14 listings (12%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - Portsmouth (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,493 sqft
    2018-02-01 0 days 1,476 sqft
    2018-03-01 0 days 1,481 sqft
    2018-04-01 0 days 1,484 sqft
    2018-05-01 0 days 1,490 sqft
    2018-06-01 0 days 1,531 sqft
    2018-07-01 0 days 1,552 sqft
    2018-08-01 0 days 1,537 sqft
    2018-09-01 0 days 1,526 sqft
    2018-10-01 0 days 1,512 sqft
    2018-11-01 0 days 1,531 sqft
    2018-12-01 0 days 1,560 sqft
    2019-01-01 0 days 1,560 sqft
    2019-02-01 0 days 1,584 sqft
    2019-03-01 0 days 1,598 sqft
    2019-04-01 0 days 1,614 sqft
    2019-05-01 0 days 1,586 sqft
    2019-06-01 0 days 1,584 sqft
    2019-07-01 0 days 1,594 sqft
    2019-08-01 0 days 1,617 sqft
    2019-09-01 0 days 1,644 sqft
    2019-10-01 0 days 1,661 sqft
    2019-11-01 0 days 1,657 sqft
    2019-12-01 0 days 1,621 sqft
    2020-01-01 0 days 1,621 sqft
    2020-02-01 0 days 1,608 sqft
    2020-03-01 0 days 1,582 sqft
    2020-04-01 0 days 1,602 sqft
    2020-05-01 0 days 1,545 sqft
    2020-06-01 0 days 1,529 sqft
    2020-07-01 0 days 1,594 sqft
    2020-08-01 0 days 1,566 sqft
    2020-09-01 0 days 1,453 sqft
    2020-10-01 0 days 1,550 sqft
    2020-11-01 0 days 1,585 sqft
    2020-12-01 0 days 1,447 sqft
    2021-01-01 0 days 1,456 sqft
    2021-02-01 0 days 1,610 sqft
    2021-03-01 0 days 1,585 sqft
    2021-04-01 0 days 1,583 sqft
    2021-05-01 0 days 1,539 sqft
    2021-06-01 0 days 1,439 sqft
    2021-07-01 0 days 1,546 sqft
    2021-08-01 0 days 1,539 sqft
    2021-09-01 0 days 1,588 sqft
    2021-10-01 0 days 1,579 sqft
    2021-11-01 0 days 1,543 sqft
    2021-12-01 0 days 1,537 sqft
    2022-01-01 0 days 1,480 sqft
    2022-02-01 0 days 1,420 sqft
    2022-03-01 0 days 1,406 sqft
    2022-04-01 0 days 1,504 sqft
    2022-05-01 0 days 1,446 sqft
    2022-06-01 0 days 1,449 sqft
    2022-07-01 0 days 1,466 sqft
    2022-08-01 0 days 1,505 sqft
    2022-09-01 0 days 1,498 sqft
    2022-10-01 0 days 1,521 sqft
    2022-11-01 0 days 1,440 sqft
    2022-12-01 0 days 1,387 sqft
    2023-01-01 0 days 1,404 sqft
    2023-02-01 0 days 1,404 sqft
    2023-03-01 0 days 1,397 sqft
    2023-04-01 0 days 1,440 sqft
    2023-05-01 0 days 1,352 sqft
    2023-06-01 0 days 1,440 sqft
    2023-07-01 0 days 1,402 sqft
    2023-08-01 0 days 1,440 sqft
    2023-09-01 0 days 1,485 sqft
    2023-10-01 0 days 1,481 sqft
    2023-11-01 0 days 1,479 sqft
    2023-12-01 0 days 1,568 sqft
    2024-01-01 0 days 1,563 sqft
    2024-02-01 0 days 1,535 sqft
    2024-03-01 0 days 1,551 sqft
    2024-04-01 0 days 1,559 sqft
    2024-05-01 0 days 1,529 sqft
    2024-06-01 0 days 1,516 sqft
    2024-07-01 0 days 1,563 sqft
    2024-08-01 0 days 1,583 sqft
    2024-09-01 0 days 1,571 sqft
    2024-10-01 0 days 1,518 sqft
    2024-11-01 0 days 1,555 sqft
    Portsmouth's median listing age (time on market) for 2024-11-01 was 0 days.

    Portsmouth's median square footage for active listings during the 2024-11-01 period was 1,555 sqft. One year prior, the average listing was 1,479 sqft.

    Portsmouth, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 571 $85,095,000 $149,028
    Cash Out Refi 120 $14,320,000 $119,333
    Home Improvement 100 $6,750,000 $67,500
    Other 100 $7,730,000 $77,300
    Refi 80 $9,430,000 $117,875

    Portsmouth's most frequently cited loan purpose was Home Purchase, with 571 originations. The 2nd most popular reason was Cash Out Refi, with 120 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 330 $48,120,000 $145,818
    7-8% 221 $27,645,000 $125,090
    Over 8% 199 $14,835,000 $74,548
    5-6% 89 $15,845,000 $178,034
    <2.5% 27 $2,255,000 $83,519
    3-4% 7 $865,000 $123,571
    4-5% 6 $640,000 $106,667
    2.5-3% 4 $210,000 $52,500

    During 2023, Portsmouth's most frequently originated rate bucket was 6-7%, with 330 originations.

    Loan Sizing (Portsmouth, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 461 $27,205,000 $59,013
    $100k-200k 361 $50,865,000 $140,900
    $200k-400k 128 $34,330,000 $268,203
    $400k-600k 17 $7,685,000 $452,059
    $600k-1000k 4 $3,240,000 $810,000

    Portsmouth's loan sizing saw the bucket of loans from $100,000 or less with 461 originations, totaling $27,205,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 414 $61,550,000 $148,671
    60-80% 186 $26,730,000 $143,710
    20-40% 112 $7,360,000 $65,714
    40-60% 91 $10,855,000 $119,286
    Under 20% 73 $2,345,000 $32,123
    Over 100% 8 $2,460,000 $307,500

    Portsmouth's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 414 originations, totaling $61,550,000 in origination value.