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 6.65% 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 6.56% and one month ago for the week of 2025-02-27, the average rate was 6.77%.

    Portsmouth's average rate one year ago was 6.9%.

    For refis of the same type during the week of 2025-04-03, the average rate was 6.74%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2025-04-03 6.64%
    Portsmouth 30 Year Fixed Rate 2025-04-03 6.65%
    Portsmouth 30 Year Fixed Rate Refi 2025-04-03 6.74%
    Portsmouth 15 Year Fixed Rate 2025-04-03 5.62%
    Portsmouth 15 Year Fixed Rate Refi 2025-04-03 5.72%
    Portsmouth 30 Year FHA 2025-04-03 6.59%
    Portsmouth 30 Year FHA Refi 2025-04-03 6.46%
    Portsmouth 30 Year USDA 2025-04-03 6.12%
    Portsmouth 30 Year USDA Refi 2025-04-03 6.12%
    Portsmouth 30 Year VA 2025-04-03 6.26%
    Portsmouth 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 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 2024 Avg. 30yFix Rate 2024 Avg. Closing Costs
    U.S. Bank 38 6.75% $4,369
    QUICKEN LOANS, LLC 30 6.89% $5,563
    DESCO 29 6.81% $3,907
    Fifth Third Bank 20 6.76% $3,405
    GUARANTEED RATE, INC. 20 6.77% $4,144
    Peoples Bank 19 6.58% $3,550
    WesBanco 11 6.80% $4,734
    Citizens Bank 6 6.60% $4,557
    PNC Bank 5 6.38% $5,095
    City National Bank of West Virginia 4 6.65% $1,092
    VANDERBILT MORTGAGE AND FINANCE, INC. 3 8.16% $4,556
    UNION HOME MORTGAGE CORP. 3 7.25% $9,308
    BAYSHORE MORTGAGE FUNDING, LLC 3 7.46% $4,624
    ROYAL UNITED MORTGAGE LLC 3 7.17% $7,170
    Union Savings Bank 3 7.08% $1,379
    WRIGHT-PATT CREDIT UNION, INC. 2 6.38% $3,464
    NFM, INC. 2 7.19% $6,979
    Paramount Residential Mortgage Group, Inc. 2 7.56% $5,090
    POLARIS HOME FUNDING CORP. 2 6.63% $13,552
    RAPID MORTGAGE COMPANY 2 7.19% $7,436
    STOCKTON MORTGAGE CORPORATION 2 6.31% $7,226
    The Huntington National Bank 2 6.81% $4,417
    Mortgage Research Center, LLC 2 6.81% $4,577
    MOVEMENT MORTGAGE, LLC 2 6.43% $6,300
    THE VINTON COUNTY NATIONAL BANK 1 6.25% $2,938
    UNITED WHOLESALE MORTGAGE, LLC 1 7.00% $3,485
    Wells Fargo Bank 1 6.50% $4,012
    PENNYMAC LOAN SERVICES, LLC 1 6.62% $4,807
    AMERISAVE MORTGAGE CORPORATION 1 6.88% $5,340
    Bank of America 1 6.88% $3,371
    BETTER MORTGAGE CORPORATION 1 5.63% $5,025
    CROSSCOUNTRY MORTGAGE, LLC 1 7.38% $7,829
    Discover Bank 1 7.31% $0
    Farm Credit Mid-America, ACA 1 7.50% $5,420
    FIRST COLONY MORTGAGE CORPORATION 1 6.63% $4,181
    First Merchants Bank 1 6.88% $5,222
    First National Bank of Pennsylvania 1 6.50% $4,450
    First State Bank 1 7.50% $2,482
    Flagstar Bank, FSB 1 6.63% $16,035
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION 1 6.63% $2,778
    Heartland Bank 1 6.88% $3,306
    JPMorgan Chase Bank 1 6.88% $500
    LAKE MICHIGAN CREDIT UNION 1 5.99% $5,575
    LIBERTY HOME MORTGAGE CORPORATION 1 6.13% $5,210
    MEMBERS CHOICE 1 7.50% $1,407
    Nations Lending Corporation 1 5.99% $7,522
    NAVY FEDERAL CREDIT UNION 1 8.13% $6,103
    NJ LENDERS CORP. 1 7.63% $4,449
    21ST MORTGAGE CORPORATION 1 8.26% $6,019
    PRIMELENDING, A PLAINSCAPITAL COMPANY 1 7.88% $4,521
    The Ohio Valley Bank Company 1 6.63% $4,744

    Portsmouth Average Closing Costs & Other Stats

    Portsmouth, OH's 51 lenders originated 1,029 loans during 2024. The total origination value was $143,275,000, with an average loan value of $139,237.

    Portsmouth's average closing costs are $4,627.

    The top Portsmouth lender as defined by loan originations is U.S. Bank, with 38 loans originated. Their average total fees are $4,369, which is $1,195 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee Portsmouth lenders (with over 10 loans originated) are Fifth Third Bank ($3,405), Peoples Bank ($3,550), DESCO ($3,907), GUARANTEED RATE, INC. ($4,144) and U.S. Bank ($4,369).

    The lowest rate Portsmouth lenders (with over 10 loans originated) are Peoples Bank (6.58%), U.S. Bank (6.75%), Fifth Third Bank (6.76%), GUARANTEED RATE, INC. (6.77%) and WesBanco (6.80%).

    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 2023 Loan Value 2024 Loan Value % Change 2024 Market Share
    U.S. Bank $11,355,000 $12,800,000 12.7% 8.9%
    QUICKEN LOANS, LLC $6,930,000 $11,210,000 61.8% 7.8%
    DESCO $11,965,000 $10,630,000 -11.2% 7.4%
    ATOMIC CREDIT UNION, INC. $10,275,000 $9,775,000 -4.9% 6.8%
    Fifth Third Bank $15,005,000 $7,880,000 -47.5% 5.5%
    Peoples Bank $5,070,000 $6,925,000 36.6% 4.8%
    Mortgage Research Center, LLC $3,715,000 $5,895,000 58.7% 4.1%
    GUARANTEED RATE, INC. $1,060,000 $5,640,000 432.1% 3.9%
    WesBanco $5,925,000 $5,065,000 -14.5% 3.5%
    Citizens Bank $3,380,000 $4,245,000 25.6% 3.0%
    First State Bank $1,085,000 $3,535,000 225.8% 2.5%
    VANDERBILT MORTGAGE AND FINANCE, INC. $1,790,000 $3,340,000 86.6% 2.3%
    BAYSHORE MORTGAGE FUNDING, LLC $1,535,000 $3,170,000 106.5% 2.2%
    POLARIS HOME FUNDING CORP. $1,545,000 $2,600,000 68.3% 1.8%
    MOVEMENT MORTGAGE, LLC $2,845,000 $2,265,000 -20.4% 1.6%
    PNC Bank $2,180,000 $2,215,000 1.6% 1.5%
    CROSSCOUNTRY MORTGAGE, LLC $640,000 $1,725,000 169.5% 1.2%
    UNITED WHOLESALE MORTGAGE, LLC $1,260,000 $1,400,000 11.1% 1.0%
    RAPID MORTGAGE COMPANY $1,550,000 $1,380,000 -11.0% 1.0%
    Paramount Residential Mortgage Group, Inc. $260,000 $1,320,000 407.7% 0.9%
    City National Bank of West Virginia $1,710,000 $1,275,000 -25.4% 0.9%
    MYCUMORTGAGE, LLC $1,155,000 $1,225,000 6.1% 0.9%
    STOCKTON MORTGAGE CORPORATION $280,000 $1,205,000 330.4% 0.8%
    Farm Credit Mid-America, ACA $1,525,000 $1,185,000 -22.3% 0.8%
    BROKER SOLUTIONS, INC. $410,000 $1,140,000 178.0% 0.8%
    UNION HOME MORTGAGE CORP. $1,115,000 $1,050,000 -5.8% 0.7%
    The Huntington National Bank $430,000 $1,010,000 134.9% 0.7%
    AMERICAN FINANCIAL RESOURCES, INC. $145,000 $990,000 582.8% 0.7%
    Nations Lending Corporation $360,000 $925,000 156.9% 0.6%
    GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION $205,000 $905,000 341.5% 0.6%
    FREEDOM MORTGAGE CORPORATION $425,000 $820,000 92.9% 0.6%
    NEWREZ LLC $380,000 $815,000 114.5% 0.6%
    CITY FIRST MORTGAGE SERVICES, L.L.C. $810,000 n/a 0.6%
    PLANET HOME LENDING, LLC $800,000 n/a 0.6%
    LAKE MICHIGAN CREDIT UNION $775,000 n/a 0.5%
    LOANDEPOT.COM, LLC $675,000 $760,000 12.6% 0.5%
    ROYAL UNITED MORTGAGE LLC $375,000 $695,000 85.3% 0.5%
    Equity Prime Mortgage LLC $195,000 $665,000 241.0% 0.5%
    USAA Federal Savings Bank $1,240,000 $635,000 -48.8% 0.4%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $615,000 n/a 0.4%
    Kentucky Farmers Bank Corporation $85,000 $595,000 600.0% 0.4%
    Union Savings Bank $530,000 $575,000 8.5% 0.4%
    21ST MORTGAGE CORPORATION $635,000 $535,000 -15.7% 0.4%
    Armed Forces Bank $535,000 n/a 0.4%
    THE VINTON COUNTY NATIONAL BANK $1,130,000 $510,000 -54.9% 0.4%
    The Ohio Valley Bank Company $785,000 $480,000 -38.9% 0.3%
    NFM, INC. $285,000 $455,000 59.6% 0.3%
    Barrington Bank & Trust Company, N.A. $165,000 $440,000 166.7% 0.3%
    Flagstar Bank, FSB $150,000 $415,000 176.7% 0.3%
    MEMBERS CHOICE $530,000 $390,000 -26.4% 0.3%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $95,000 $380,000 300.0% 0.3%
    EQUITY RESOURCES, INC. $1,110,000 $370,000 -66.7% 0.3%
    First National Bank of Pennsylvania $435,000 $365,000 -16.1% 0.3%
    NBH Bank $365,000 n/a 0.3%
    FIRST COLONY MORTGAGE CORPORATION $360,000 n/a 0.3%
    LIBERTY HOME MORTGAGE CORPORATION $95,000 $360,000 278.9% 0.3%
    WRIGHT-PATT CREDIT UNION, INC. $345,000 n/a 0.2%
    East Coast Capital Corp. $335,000 n/a 0.2%
    CARDINAL FINANCIAL $315,000 n/a 0.2%
    COMMUNITYAMERICA $305,000 n/a 0.2%
    Discover Bank $735,000 $305,000 -58.5% 0.2%
    MORTGAGEONE, INC. $305,000 n/a 0.2%
    LENDINGHOME FUNDING CORPORATION $220,000 $300,000 36.4% 0.2%
    AMERISAVE MORTGAGE CORPORATION $150,000 $295,000 96.7% 0.2%
    ROSS MORTGAGE CORPORATION $295,000 n/a 0.2%
    PENNYMAC LOAN SERVICES, LLC $465,000 $290,000 -37.6% 0.2%
    SOUTHWEST STAGE FUNDING, LLC $385,000 $260,000 -32.5% 0.2%
    Liberty Bank $65,000 $255,000 292.3% 0.2%
    Mr. Cooper ( Nationstar Mortgage ) $410,000 $255,000 -37.8% 0.2%
    NAVY FEDERAL CREDIT UNION $1,050,000 $250,000 -76.2% 0.2%
    NEW DAY FINANCIAL, LLC $95,000 $250,000 163.2% 0.2%
    ENDEAVOR CAPITAL, LLC. $245,000 n/a 0.2%
    JPMorgan Chase Bank $250,000 $245,000 -2.0% 0.2%
    Texana Bank $235,000 n/a 0.2%
    BETTER MORTGAGE CORPORATION $225,000 n/a 0.2%
    OCMBC, INC. $215,000 n/a 0.2%
    Carrington Mortgage Services, LLC $105,000 $210,000 100.0% 0.1%
    Prosperity Home Mortgage, LLC $210,000 n/a 0.1%
    RELIANCE FIRST CAPITAL, LLC $210,000 n/a 0.1%
    Kingston National Bank $305,000 $205,000 -32.8% 0.1%
    BM Real Estate Services, Inc. $195,000 n/a 0.1%
    Community First National Bank $195,000 n/a 0.1%
    1ST SIGNATURE LENDING, LLC $185,000 n/a 0.1%
    AmeriHome Mortgage Company, LLC $185,000 n/a 0.1%
    Credence Funding Corporation $185,000 n/a 0.1%
    HOWARD HANNA FINANCIAL SERVICES, INC. $185,000 n/a 0.1%
    TOP FLITE FINANCIAL, INC. $105,000 $180,000 71.4% 0.1%
    DAS Acquisition Company, LLC $350,000 $175,000 -50.0% 0.1%
    CLEARPATH LENDING $155,000 n/a 0.1%
    First Merchants Bank $155,000 n/a 0.1%
    AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC $95,000 $145,000 52.6% 0.1%
    CHURCHILL MORTGAGE CORPORATION $145,000 n/a 0.1%
    Gateway First Bank $85,000 $145,000 70.6% 0.1%
    ALLIED MORTGAGE GROUP, INC. $135,000 n/a 0.1%
    LONGBRIDGE FINANCIAL, LLC $135,000 n/a 0.1%
    SOUTHWEST FUNDING, LP $135,000 n/a 0.1%
    Bethpage Federal Credit Union $130,000 n/a 0.1%
    Figure Lending LLC $130,000 n/a 0.1%
    Heartland Bank $115,000 $120,000 4.3% 0.1%
    Citadel Servicing Corporation $115,000 n/a 0.1%
    Community Trust Bank, Inc. $215,000 $115,000 -46.5% 0.1%
    FIRST COMMUNITY MORTGAGE, INC. $135,000 $105,000 -22.2% 0.1%
    GENERAL ELECTRIC CREDIT UNION $25,000 $105,000 320.0% 0.1%
    LOANPAL, LLC $105,000 n/a 0.1%
    Southern Hills Community Bank $105,000 n/a 0.1%
    Third Federal Savings and Loan Association of Cleveland $310,000 $105,000 -66.1% 0.1%
    NATIONS RELIABLE LENDING, LLC $95,000 n/a 0.1%
    CREDIT HUMAN FEDERAL CREDIT UNION $295,000 $85,000 -71.2% 0.1%
    First Federal Community Bank of Bucyrus $305,000 $85,000 -72.1% 0.1%
    HOMESIDE FINANCIAL, LLC $290,000 $85,000 -70.7% 0.1%
    NJ LENDERS CORP. $195,000 $75,000 -61.5% 0.1%
    TJC Mortgage, Inc. $75,000 n/a 0.1%
    Bank of America $65,000 n/a 0.0%
    Pathways Financial Credit Union, Inc. $65,000 n/a 0.0%
    TRIAD FINANCIAL SERVICES, INC. $65,000 n/a 0.0%
    Wells Fargo Bank $95,000 $65,000 -31.6% 0.0%
    ASHLAND Credit Union $35,000 $55,000 57.1% 0.0%
    Centier Bank $25,000 $55,000 120.0% 0.0%
    MUTUAL OF OMAHA MORTGAGE, INC. $140,000 $55,000 -60.7% 0.0%
    Truliant Federal Credit Union $55,000 n/a 0.0%
    UNIVERSAL 1 CREDIT UNION $35,000 $55,000 57.1% 0.0%
    SPRING EQ, LLC $45,000 n/a 0.0%
    Baxter Credit Union $35,000 n/a 0.0%
    Truist $25,000 n/a 0.0%

    Portsmouth's top lender by overall market share is U.S. Bank, with 8.9% market share. In second place, with 7.8%, is QUICKEN LOANS, LLC, having originated $11,210,000 in loans. In third place, with 7.4%, is DESCO, having originated $10,630,000 in loans. In fourth place, with 6.8%, is ATOMIC CREDIT UNION, INC., having originated $9,775,000 in loans. In fifth place, with 5.5%, is Fifth Third Bank, having originated $7,880,000 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 (-2.2%) $142,122 (9.0%) 0.00 313
    2018-02-01 $99,900 (-7.0%) $139,313 (6.7%) 0.00 324
    2018-03-01 $109,950 (1.2%) $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 (0.7%) $153,281 (13.1%) 0.00 324
    2018-06-01 $119,250 (-0.3%) $151,519 (5.9%) 0.00 328
    2018-07-01 $119,825 (-1.4%) $150,583 (2.9%) 0.00 336
    2018-08-01 $118,625 (-2.0%) $146,762 (-0.5%) 0.00 348
    2018-09-01 $111,000 (-3.5%) $145,287 (0.7%) 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%) 0.00 256
    2019-12-01 $109,675 (5.7%) $145,001 (0.0%) 0.00 253
    2020-01-01 $113,475 (11.1%) $140,467 (-2.1%) 0.00 245
    2020-02-01 $111,000 (-1.9%) $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 (16.2%) $190,995 (31.7%) 0.00 105
    2021-01-01 $129,500 (14.1%) $199,192 (41.8%) 0.00 97
    2021-02-01 $138,675 (24.9%) $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 $160,900 (11.2%) $206,368 (14.1%) 0.00 105
    2022-10-01 $153,900 (-6.7%) $202,153 (3.9%) 0.00 90
    2022-11-01 $149,725 (-7.1%) $181,642 (-9.0%) 0.00 85
    2022-12-01 $134,900 (-15.5%) $178,070 (-6.9%) 0.00 81
    2023-01-01 $131,200 (-18.0%) $182,351 (-8.1%) 0.00 88
    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 (-4.0%) $200,851 (-2.7%) 0.00 95
    2023-10-01 $169,700 (10.3%) $213,726 (5.7%) 0.00 111
    2023-11-01 $179,900 (20.2%) $239,057 (31.6%) 0.00 116
    2023-12-01 $189,000 (40.1%) $249,516 (40.1%) 0.00 109
    2024-01-01 $179,950 (37.2%) $253,178 (38.8%) 0.00 103
    2024-02-01 $177,225 (36.4%) $247,271 (37.8%) 0.00 99
    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%) $232,337 (20.4%) 0.00 94
    2024-06-01 $175,000 (12.2%) $244,089 (14.0%) 0.00 98
    2024-07-01 $184,725 (8.7%) $247,785 (22.7%) 0.00 106
    2024-08-01 $197,450 (20.6%) $246,192 (30.4%) 0.00 113
    2024-09-01 $189,175 (22.4%) $241,292 (20.1%) 0.00 132
    2024-10-01 $187,975 (10.8%) $230,443 (7.8%) 0.00 130
    2024-11-01 $189,900 (5.6%) $250,129 (4.6%) 0.00 131
    2024-12-01 $182,500 (-3.4%) $253,975 (1.8%) 0.00 126
    2025-01-01 $190,550 (5.9%) $267,203 (5.5%) 0.00 119
    2025-02-01 $199,000 (12.3%) $280,159 (13.3%) 0.00 116
    2025-03-01 $210,000 (13.6%) $300,425 (19.4%) 0.00 101
    Portsmouth's median listing price for 2025-03-01 was $210,000, a difference of $25,100 (13.6%) versus the prior year and $11,000 versus the prior month.

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

    Portsmouth's average listing price for 2025-03-01 was $300,425, a difference of $48,899 (19.4%) versus the prior year and $20,266 versus the prior month.

    For the 2025-03-01 period, Portsmouth had 101 MLS listings, a difference of -15 listings (-13%) versus the prior month and 9 listings (10%) 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 1,557 sqft
    2020-04-01 0 days 1,600 sqft
    2020-05-01 0 days 1,544 sqft
    2020-06-01 0 days 1,502 sqft
    2020-07-01 0 days 1,590 sqft
    2020-08-01 0 days 1,558 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 1,508 sqft
    2022-09-01 0 days 1,529 sqft
    2022-10-01 0 days 1,539 sqft
    2022-11-01 0 days 1,453 sqft
    2022-12-01 0 days 1,387 sqft
    2023-01-01 0 days 1,403 sqft
    2023-02-01 0 days 1,380 sqft
    2023-03-01 0 days 1,372 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 1,527 sqft
    2024-03-01 0 days 1,551 sqft
    2024-04-01 0 days 1,565 sqft
    2024-05-01 0 days 1,535 sqft
    2024-06-01 0 days 1,529 sqft
    2024-07-01 0 days 1,570 sqft
    2024-08-01 0 days 1,617 sqft
    2024-09-01 0 days 1,572 sqft
    2024-10-01 0 days 1,523 sqft
    2024-11-01 0 days 1,556 sqft
    2024-12-01 0 days 1,556 sqft
    2025-01-01 0 days 1,580 sqft
    2025-02-01 0 days 1,559 sqft
    2025-03-01 0 days 1,549 sqft
    Portsmouth's median listing age (time on market) for 2025-03-01 was 0 days.

    Portsmouth's median square footage for active listings during the 2025-03-01 period was 1,549 sqft. One year prior, the average listing was 1,551 sqft.

    Portsmouth, OH Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 548 $96,300,000 $175,730
    Cash Out Refi 156 $19,200,000 $123,077
    Other 117 $8,455,000 $72,265
    Home Improvement 111 $6,035,000 $54,369
    Refi 97 $13,285,000 $136,959

    Portsmouth's most frequently cited loan purpose was Home Purchase, with 548 originations. The 2nd most popular reason was Cash Out Refi, with 156 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    6-7% 372 $65,620,000 $176,398
    Over 8% 228 $16,630,000 $72,939
    7-8% 216 $29,530,000 $136,713
    5-6% 89 $17,965,000 $201,854
    3-4% 19 $1,325,000 $69,737
    <2.5% 6 $110,000 $18,333
    4-5% 4 $650,000 $162,500

    During 2024, Portsmouth's most frequently originated rate bucket was 6-7%, with 372 originations.

    Loan Sizing (Portsmouth, OH MSA)

    Loan Size Originations Total Value Average Loan
    $100,000 or less 442 $24,710,000 $55,905
    $100k-200k 380 $54,180,000 $142,579
    $200k-400k 184 $49,500,000 $269,022
    $400k-600k 17 $8,055,000 $473,824
    $600k-1000k 4 $2,650,000 $662,500
    $Over $1MM 2 $4,180,000 $2,090,000

    Portsmouth's loan sizing saw the bucket of loans from $100,000 or less with 442 originations, totaling $24,710,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 416 $75,320,000 $181,058
    60-80% 175 $30,205,000 $172,600
    20-40% 139 $9,265,000 $66,655
    Under 20% 90 $3,040,000 $33,778
    40-60% 87 $9,265,000 $106,494
    Over 100% 14 $2,670,000 $190,714

    Portsmouth's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 416 originations, totaling $75,320,000 in origination value.