Highland County, Ohio Monthly Market Update: Stats and Trends
Highland County’s housing market continues to move at a steady pace, with low inventory and higher mortgage rates remaining the two biggest forces shaping conditions right now. Here’s where things stand this month.
Current Highland County Market Snapshot
- Active listings: 138
- Pending listings: 69
- New listings (last 30 days): 33
- Moved to pending (last 30 days): 42
- Homes sold/closed (last 30 days): 73
(Data via the National Association of Realtors.)
Seventy-three closed sales in the past 30 days is a strong number for a county this size, especially against just 138 active listings — a clear sign that genuine buyer demand hasn’t gone anywhere, even with rates where they currently sit.
Where Mortgage Rates Stand
Rates have ticked up again this month across all major loan programs:
| Loan Program | Typical Note Rate | Estimated APR Range | Notes |
|---|---|---|---|
| Conventional (30-Yr Fixed) | 7.25% – 7.50% | 7.45% – 7.75% | Assumes ~740+ FICO and 20% down |
| FHA (30-Yr Fixed) | 6.875% – 7.125% | 7.85% – 8.15% | APR reflects upfront and annual MIP |
| VA (30-Yr Fixed) | 6.75% – 7.00% | 7.10% – 7.40% | 0% down for eligible veterans/service members |
| USDA (30-Yr Fixed) | 6.875% – 7.125% | 7.40% – 7.70% | 0% down; high eligibility across Highland County’s rural zones |
Highland County’s rural footprint continues to work in buyers’ favor here — USDA’s zero-down option remains available across much of the county, a real advantage for buyers who might otherwise need years to save a traditional down payment.
What This Means for Buyers
With rates elevated across the board, your monthly payment math matters more than ever — which makes it worth exploring every loan option available to you, not just the first one your lender mentions. VA and USDA buyers in particular are seeing some of the more favorable terms on the table right now. And with 42 homes moving to pending in just the last 30 days, well-priced listings aren’t sitting around waiting.
What This Means for Sellers
Inventory remains tight at 138 active listings, and with 73 homes selling in the past month alone, demand is clearly still there. The market continues to lean slightly in sellers’ favor. If you’ve been considering listing, current conditions remain supportive — but pricing accurately from day one still matters most in a market where buyers are watching their payments closely.
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