TODAY · OCT 14

Today's Mortgage Rates30-Year Fixed7.46%▲15-Yr Fixed7.14%The Cincinnati MarketMedian List Price$347,000Median Price / Sq Ft$190Homes for Sale4,868New Listings2,546Today's Big Number3 choices

— Ela’s Daily Cincinnati Market Brief —

Wednesday, October 14, 2026

Edition No. 55·Cincinnati·36 numbers this morning·New edition every morning

A review date set before the sign goes up — and on Cincinnati's median asking price the payment is $1,933.

Today’s Story

3 choices

A review date agreed before the sign goes up — and three choices on it: hold, adjust, or step back, with the owner deciding

Wednesday's frame is a date in the calendar rather than a number on a sign. Four things get settled before a Cincinnati listing goes live — the asking price and why, the review date, what will be read on that day, and the three choices waiting there — and they are set out in full below. The three are hold, adjust, or step back, and the owner decides. Naming them in advance keeps the conversation calm later: none is a failure, and this page pushes none of them. The money behind that conversation comes from Tuesday's close. The 30-year fixed stands at 7.46% on Mortgage News Daily's index, in a 52-week range of 5.99% to 7.61% whose high was set Monday, October 5, and the 15-year at 7.14%. On Cincinnati's September asking median of $347,000, 20% down leaves a $277,600 loan at $1,933 a month, principal and interest only — against $1,823 for that same loan at August 31's 6.87%. Hamilton County's complete August closing median of $265,500, on a $212,400 loan, runs $1,479 at 7.46% and ran $1,395 at 6.87%. The two reference homes are never subtracted from one another, and taxes, insurance and any association dues sit on top of each figure. September's Cincinnati listing record is what a review date reads against: 4,868 active listings, 2,546 new ones, a median 44 days on market, about 62 pendings per 100 active, an asking median of $347,000 at $190 a square foot, and 2,328 listings — 47.8% of everything active — already showing a price reduction.

3 choices

Hold, adjust, or step back. The owner decides, and none of the three is a failure.

$1,933

Cincinnati's $347,000 September asking median at 20% down — a $277,600 loan at Tuesday's 7.46%.

$1,823

That same loan at August 31's 6.87%, August's last print.

47.8%

The share of active Cincinnati listings already showing a price reduction — 2,328 of 4,868.

Past Editions — The Story So Far

Oct 137.48%Friday's close is still the newest print on the index — and with the rate standing still, what is left to examine is the house itselfOct 12$69,400The 20% down payment on Cincinnati's median asking price is $69,400 in cash — and it is line one of six on the list of what closing actually takesOct 1113 bpsA whole week of prints fit inside 13 basis points — and Cincinnati's payment at the top of it was $1,962, at the bottom $1,937Oct 109 bps lowerThe week ended lower than it began — 9 basis points, Friday to Friday — with a 52-week high inside itOct 9about $17The biggest daily drop in three months — and on Cincinnati's median asking payment it comes to about $17 a monthOct 83 business daysA Loan Estimate is owed to you, not granted — one standard three-page form, within three business days of applying, and it is not an approvalOct 7$1,952What a Cincinnati buyer carries at Tuesday's close — $1,952 a month on the September asking median, about $10 below Monday's record-high figureOct 6about $2A new 52-week high — and on Cincinnati's median asking payment it is worth about $2 a month more than the old oneOct 5about $70Every $10,000 of loan is about $70 a month at Friday's 7.57% — and $10,000 off a Cincinnati price is not $10,000 off the loanOct 4$116The price held and the money moved — about $116 a month more on a Cincinnati asking median that is $2,900 lower… and 30 more mornings

Tomorrow: a brand-new number

30-Year Fixed — Today’s Average Rate

7.46%against August 31's 6.87%, August's last print

The average rate Cincinnati buyers are being quoted today — individual quotes vary by lender and borrower.

52-week low · 5.99%52-week high · 7.61%

Where today’s rate sits in its past year

via Mortgage News Daily

Tuesday, October 13 close — the newest print on this index this morning; today's comes out around 4 PM Eastern, after this page was written, and is never predicted here

The Running Story — 30-Year Fixed, Day by Day

This chart draws itself: one new point every morning, since August 21, 2026.

August 21, 202641 mornings recordedOctober 14, 2026

Every loan type — the average rates Cincinnati lenders price from

15-Yr Fixed

7.14%

Tuesday, October 13's close of 7.46% is the newest print on Mortgage News Daily's index. Today's comes out around 4 PM Eastern and is never predicted here

The 30-year's 52-week range is 5.99% to 7.61%, and that 7.61% high was set on Monday, October 5

August's last print, on Monday, August 31, was 6.87% — the figure the page's August comparisons run against

The 15-year also comes from Tuesday's close, at 7.14%

National averages — the rates Cincinnati buyers are being quoted, not a Cincinnati-only rate. Every payment here is principal and interest only, with taxes, insurance and any dues on top

The Cincinnati Metro, Right Now

Cincinnati metro listing data · September 2026 report

Median List Price

$347,000

Cincinnati metro asking median, September report

Median Price / Sq Ft

$190

Cincinnati metro asking price

Homes for Sale

4,868

active Cincinnati listings

New Listings

2,546

arriving across Cincinnati in the month

Days on Market

median across Cincinnati — a yardstick, not a promise about any one home

Listings With a Price Cut

2,328

47.8% of the 4,868 active in Cincinnati

Pendings per 100 Active

about 62

across Cincinnati

Your Number

What does today’s 7.46% mean for your home?

Slide to your price — the numbers recalculate instantly with this morning’s rates.

Your price$350,000

$150K$500K$1M$1.5M

30-Year Payment

$1,950/mo

at today’s 7.46% · 20% down

15-Year Payment

$2,539/mo

at today’s 7.14% · $589/mo more

15-Yr Interest Saved

$245,086

over the life of the loan

At the 52-week low (5.99%) this payment was $1,677/mo

National average rates · principal & interest only, 20% down · information, not a loan offer — your lender’s quote will differ.

If You're Buying

The rate a Cincinnati buyer is quoted is a national average, and Tuesday's 7.46% is the newest print on the index. Today's comes out around 4 PM Eastern and is never predicted here; the 52-week range is 5.99% to 7.61%, with that high set Monday, October 5.
On Cincinnati's $347,000 September asking median, 20% down leaves a $277,600 loan at $1,933 a month, principal and interest only, with taxes, insurance and any association dues on top. That same loan was $1,823 at August 31's 6.87%.
A Cincinnati seller may well have a review date already in the calendar, picked before the sign went up. There are 4,868 homes for sale, 2,546 new listings, a median 44 days on market and 2,328 listings — 47.8% — already showing a reduction. A contract signed this week closes roughly November 13 to November 25.

If You're Selling

Pick the review date before the Cincinnati sign goes up, not after a quiet weekend — and name the three choices waiting on it: hold, adjust, or step back. The owner decides, and this page pushes none of them.
What gets read on the day is the listing's own record against September's Cincinnati report: 4,868 active listings, 2,546 new, a median 44 days on market, an asking median of $347,000 at $190 a square foot, and about 62 pendings per 100 active.
A Cincinnati buyer's payment on the $347,000 asking median is $1,933 at Tuesday's 7.46%, against $1,823 at August 31's 6.87%. About half of active listings — 2,328 of 4,868, or 47.8% — already show a price reduction. No seller is obliged to fund a rate move.

The Review Date

Four things agreed before the listing goes live: the asking price and the reasoning behind it; the review date, picked together; what will be read on that day — showings, feedback, new nearby listings, nearby listings gone pending; and the three choices waiting there. Hold, adjust, or step back. The owner decides; none of the three is a failure, and this page recommends none of them.

Settled Before the Sign Goes Up

4 things

Choices on the Day

hold, adjust, or step back — the owner decides

The Standing Number

Tuesday's close, the newest print on Mortgage News Daily's index this morning. Today's arrives this afternoon and is never predicted here. National averages, not Cincinnati-only rates.

30-Year Fixed

7.46%

Tuesday, October 13 close

15-Year Fixed

7.14%

Tuesday's close

52-Week High

7.61%

Monday, October 5; the range runs from 5.99%

August's Last Print

6.87%

Monday, August 31

via Mortgage News Daily · Tuesday, October 13 close

What the Number Carries

Cincinnati's two reference homes at Tuesday's 7.46%, both at 20% down, principal and interest only — taxes, insurance and any dues on top of each. They measure different things over different footprints and are never subtracted from one another.

Metro Asking Median

$347,000

Cincinnati metro, September report

Metro Loan at 20% Down

$277,600

Metro Payment at 7.46%

$1,933

Metro Payment at 6.87%

$1,823

August 31's print

County Loan at 20% Down

$212,400

on the $265,500 August closing median

County Payment at 7.46%

$1,479

County Payment at 6.87%

$1,395

via Mortgage News Daily · Hamilton County Auditor

The County Record

Hamilton County's complete August, still the latest closing record. Deeds are recorded days after closing and the counts are anonymised — never an address or an owner's name. The county's September and October files are both still settling, so no figure from either is quoted here.

Valid Residential Closings

1,277

recorded countywide in August

County Median Sale

$265,500

via Hamilton County Auditor

Mark the Calendar

Today's rate print comes out around 4 PM Eastern — after this page was written — and is never predicted here. No news headline is carried this morning. 78 days remain in 2026. A contract signed this week closes roughly November 13 to November 25, before Thanksgiving on November 26.

Want the running history? See recent market notes

What do today’s numbers mean for you?

A metro-wide average is a starting point — your home, your street, and your timing are the real story. Ela turns this morning’s numbers into a plan built around you.

Talk to Ela about your move

Want the numbers for your own ZIP code? Sign up for Neighborhood News on Ela’s Sibcy Cline page — a free market update for the exact area you care about.

Figures are summarized from the named sources and public records above and refresh on each source’s own schedule; rates shown are national averages, not offers. This page is information, not financial or lending advice.

Ela Mildner-Shapiro · Sibcy Cline Realtors · (513) 703-4202