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Dodge monthly mortgage insurance premiums (PMI) completely and secure the standard conventional baseline.
Explore programs requiring as little as 3% down conventional or 3.5% FHA, helping you buy sooner.
Optimize your existing debt service, lower your interest rate, or secure cash-out equity restructure.
Department of Veterans Affairs purchase loans offering 0% down payment and no monthly PMI for military.
Lock in lower interest rates with a 15-year fixed loan term to build massive equity quickly.
Finance non-owner occupied rental acquisitions or multi-unit house hacking with competitive investor pricing.
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Current Local Mortgage Rates
Sorted by lowest conforming purchase rate
Requires veteran or military eligibility
Loan amount is under conforming limits
| Loan Program | Today's Rate / APR | Points | Est. Payment | Action |
|---|---|---|---|---|
| Conventional 30-Yr FixedConforming | 7.088%APR 7.126% | 0 pts$0 | $1,318/moP&I $1,318 · MI $0 | See details |
| FHA 30-Yr FixedConforming | 6.092%APR 6.864% | 0 pts$0 | $1,301/moP&I $1,210 · MI $92 | See details |
| VA 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| Jumbo 30-Yr Fixed Doesn't Apply | — | — | — | Ineligible |
| 15-Year Conforming FixedConforming | 6.327%APR 6.382% | 0 pts$0 | $1,219/moP&I $1,219 · MI $0 | See details |
| Refinance 30-Yr FixedConforming | 7.241%APR 7.321% | 0 pts$0 | $1,338/moP&I $1,338 · MI $0 | See details |
| Investment Property FixedConforming | 7.625%APR 7.694% | 0 pts$0 | $1,390/moP&I $1,390 · MI $0 | See details |
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Compare all 26 pre-computed scenario benchmarks
Scenario Program | Down Pct | Credit score | Today's Rate | APR | Points | P&I Payment | 3-Yr Metric Cost |
|---|---|---|---|---|---|---|---|
15-Year Conforming Purchase | 20% | 740 credit score | 6.327% | 6.382% | 0 pts ($0) | $1,692/mo | $34,955 |
15-Year Rate/Term Refi | 0% | 740 credit score | 6.318% | 6.392% | 0 pts ($0) | $2,114/mo | $48,416 |
Condo 10% Down | 10% | 720 credit score | 7.278% | 7.450% | 0 pts ($0) | $1,511/mo | $53,165 |
Conventional 10% Down | 10% | 720 credit score | 6.871% | 7.032% | 0 pts ($0) | $1,451/mo | $50,454 |
Conventional 20% Down | 20% | 740 credit score | 7.088% | 7.126% | 0 pts ($0) | $1,318/mo | $41,125 |
Conventional 5% Down | 5% | 700 credit score | 7.254% | 7.742% | 0 pts ($0) | $1,591/mo | $55,949 |
Conventional Cash-Out Refi | 0% | 740 credit score | 7.497% | 7.537% | 0 pts ($0) | $1,716/mo | $59,221 |
Conventional High Balance | 10% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,453/mo | $49,215 |
Conventional HomeReady 3% | 3% | 660 credit score | 6.872% | 7.250% | 0 pts ($0) | $1,564/mo | $56,528 |
Conventional Rate/Term Refi | 0% | 740 credit score | 7.241% | 7.321% | 0 pts ($0) | $1,673/mo | $57,325 |
FHA 15-Year Fixed 3.5% Down | 3.5% | 680 credit score | 5.936% | 6.686% | 0 pts ($0) | $2,025/mo | $48,292 |
FHA 3.5% Down | 3.5% | 680 credit score | 6.092% | 6.864% | 0 pts ($0) | $1,459/mo | $51,370 |
FHA Streamline (Excellent Credit) | 0% | 740 credit score | 5.936% | 6.686% | 0 pts ($0) | $1,487/mo | $52,062 |
FHA Streamline Refi | 0% | 640 credit score | 6.291% | 7.066% | 0 pts ($0) | $1,544/mo | $54,727 |
House Hacking Conforming 5% | 5% | 680 credit score | 7.210% | 7.459% | 0 pts ($0) | $1,584/mo | $57,739 |
Investment 15-Year Fixed 25% Down | 25% | 740 credit score | 5.820% | 5.855% | 0 pts ($0) | $1,536/mo | $30,066 |
Investment Property 25% Down | 25% | 740 credit score | 7.625% | 7.694% | 0 pts ($0) | $1,303/mo | $41,537 |
Jumbo Conforming | 20% | 760 credit score | 7.125% | 7.168% | 0 pts ($0) | $1,323/mo | $41,344 |
Jumbo Elite Premium 10% Down | 10% | 760 credit score | 6.712% | 6.741% | 0 pts ($0) | $1,427/mo | $43,762 |
Lower Credit FHA 3.5% | 3.5% | 580 credit score | 6.464% | 7.242% | 0 pts ($0) | $1,518/mo | $54,066 |
Second Home 10% Down | 10% | 720 credit score | 6.101% | 6.678% | 0 pts ($0) | $1,339/mo | $45,334 |
Second Home 20% Down | 20% | 740 credit score | 6.884% | 6.900% | 0 pts ($0) | $1,291/mo | $39,917 |
VA 0% Down | 0% | 700 credit score | 6.104% | 6.349% | 0 pts ($0) | $1,520/mo | $50,360 |
VA Cash-Out Refi | 0% | 640 credit score | 6.116% | 6.487% | 0 pts ($0) | $1,522/mo | $50,451 |
VA IRRRL Streamline Refi | 0% | 640 credit score | 6.120% | 6.274% | 0 pts ($0) | $1,523/mo | $50,481 |
VA Military 10% Down | 10% | 720 credit score | 6.067% | 6.143% | 0 pts ($0) | $1,351/mo | $42,730 |
Frequently Asked Questions
What are today's mortgage rates in St. Clairsville-Richland, OH across different loan programs?
Today's benchmark conventional 30-year fixed mortgage rate in St. Clairsville-Richland, OH is 7.088% (with an estimated monthly payment of $1,361). Active program rates also include FHA 30-year fixed loans at 6.092% and VA 0%-down fixed loans at 6.104%. These rates are calibrated daily by Safe Rate's pricing engine matching active local market conditions.
What is the recent mortgage rate trend in St. Clairsville-Richland, OH?
Mortgage rates have shown typical daily fluctuations driven by inflation data and bond yields. Over the past 90 days, conventional 30-year fixed rates in St. Clairsville-Richland, OH have fluctuated between a low of 6.943% and a high of 7.206%. You can track these daily movements by using the 90-day rate history and trajectory chart featured on this page.
Is an FHA or Conventional loan more cost-effective in St. Clairsville-Richland, OH?
Choosing between FHA and Conventional depends on your down payment budget and credit score. For a typical home priced at $245,456 in St. Clairsville-Richland, OH, a standard 20%-down Conventional loan requires an upfront cash down payment of $49,091 but keeps your monthly payment lower at $1,361/mo (at 7.088% interest) with no monthly PMI. In comparison, an FHA loan requires only $8,591 (3.5% down) but has an estimated payment of $1,507/mo (at 6.092% interest) due to mandatory FHA mortgage insurance (MIP). Local Nuance: The typical local FHA loan amount of $236,865 falls comfortably within the local HUD FHA loan limit of $524,225 (1-unit), making FHA financing an exceptionally accessible, high-leverage entry point into the market.
What is the maximum conforming loan limit in St. Clairsville-Richland before needing a Jumbo loan?
The 2025 conforming conventional loan limit for a 1-unit property in St. Clairsville-Richland is $806,501. With a typical local home value of $245,456 in , a standard 20%-down mortgage requires a loan size of $196,365. Because this is within the $806,501 conforming threshold, buyers can easily qualify for standard conforming conventional financing with competitive rates.
How does the median home value in St. Clairsville-Richland, OH impact estimated mortgage payments?
The median home value in St. Clairsville-Richland, OH is estimated at $245,456. Buying a typical home here with a standard 20% down payment ($49,091) translates to an estimated starting monthly mortgage payment of $1,361 (principal and interest). Compared to the local area median household income of $77,825 ($6,485/mo), this basic housing payment represents approximately 21.0% of gross monthly household income. This housing cost is well within standard lender affordability guidelines (under the 36% DTI benchmark), demonstrating healthy local purchasing power.