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State

Data from November 2026

Housing , home prices, rents and assistance in Ohio (2026)

A typical home in Ohio is worth $214,800; the typical rent is $1,034 a month. Depending on the county, the FHA limit for a one-unit home is between $541,287 and $591,100. 54 HUD-approved counseling agencies serve Ohio; 14 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $154,700
  • $154,700–$168,900
  • $168,900–$191,100
  • $191,100–$227,600
  • $227,600 or more

Tap the map to see each county’s figure and open its page.

Typical home value
$214,800
35% less than the U.S.
U.S.: $332,700
Typical rent per month
$1,034
27% less than the U.S.
U.S.: $1,413
Typical household income
$71,389
12% less than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287 to $591,100
It changes by county. The highest applies in 10 counties.
U.S.: $541,287 to $1,299,500
Property tax
1.31%
of value a year
The typical bill is $2,822 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in Ohio

A typical home in Ohio is worth $214,800, 35% less than in the country overall. Across its 88 counties, the typical value runs from $119,300 in Meigs County to $445,500 in Delaware County. A typical household earns $71,389 a year and pays $1,034 a month in rent; 46% of renters put 30% or more of their income toward housing. 67% of households live in a home they own; they pay a typical property tax of $2,822 a year, about 1.31% of value.

The conforming loan limit for a one-unit home is $832,750 across Ohio. To pay HUD’s fair rent for a 2-bedroom apartment in Ohio ($1,273) without spending more than 30% of income, you need about $24.48 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in Ohio

More on property tax

  • Homestead exemption for seniors and people with disabilities

    Ohio's homestead exemption lowers the property tax of low-income seniors, certain permanently and totally disabled Ohioans, the surviving spouses of those people, and the surviving spouses of public service officers killed in the line of duty. It works as a credit on the property tax bill. For tax year 2026, a qualifying low-income senior or disabled Ohioan (other than a disabled veteran) gets a credit equal to the taxes on up to $29,700 of the home's value. The amount changes every year because it is adjusted for inflation. The exact credit depends on the home's tax rate: the higher the rate, the higher the credit.

    Ohio Department of Taxation · Verified October 24, 2026

  • Proof of age the county auditor may ask for

    For the homestead exemption, your county auditor may ask for some proof of age, such as a driver's license or a birth certificate. The application asks for your date of birth, and it is signed under penalty of perjury.

    Ohio Department of Taxation · Verified October 24, 2026

  • Deadline: apply by December 31

    For a house (real property), the homestead exemption application is filed on or before December 31 of the year for which you want the exemption. For a manufactured or mobile home, it is filed on or before December 31 of the year before the year for which you want the exemption.

    Ohio Department of Taxation · Verified October 24, 2026

  • Deadline to contest the value with the county board of revision

    If you disagree with the value or assessment of your property, the complaint is filed with the county auditor by March 31 of the year after the tax year, or by the date collection of the first half of that tax year's taxes closes, whichever is later. The auditor presents all complaints to the county board of revision.

    Ohio Legislative Service Commission (Ohio Revised Code) · Verified October 24, 2026

  • Optional county real property transfer tax

    Each county may levy its own real property transfer tax of up to 30 cents for each $100 of value (or fraction of $100). If the county levies it, the law places it on the grantor named in the deed (in a sale, the seller), who pays it to the county auditor before the deed is presented for recording.

    Ohio Legislative Service Commission (Ohio Revised Code) · Verified October 24, 2026

The homes here

Housing in Ohio

What homes there are in Ohio, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in Ohio: 69% of homes, more than in the U.S. (61%).

Year built

In Ohio, half of the homes were built before 1970; in the U.S., before 1980.

In Ohio, 64% of homes have 3 bedrooms or more, about the same as in the U.S..

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The largest group of owner-occupied homes in Ohio is worth between $100K and $200K: 30%.

Monthly rent with utilities

Looking at what people pay in rent in Ohio, the most common range is between $500 and $999 a month (38%).

With a mortgage

$1,517 a month

United States: $1,963 a month

Without a mortgage

$588 a month

United States: $638 a month

Owners with a mortgage

61%

United States: 61%

Owning costs less in Ohio: with a mortgage, the typical cost is $1,517 a month; in the U.S., $1,963. Without one, $588.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Ohio rose 47% since 2015–2019, less than in the U.S. (53%).

Rents in Ohio rose more slowly than in the U.S.: 28% since 2015–2019, against 33%.

To compare: typical income in Ohio rose 26%; the home, +47%; the rent, +28%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureOhioUnited States
Rental vacancy 4.4%5.5%
Homeowner vacancy 0.8%0.9%
More than one person per room 1.5%3.4%
People per household 2.372.53
Drive alone 75%69%
Carpool 8%9%
Public transit 1%3%
Walk or bike 2%3%
Work from home 13%15%
Other means 1%2%
Typical commute 20 to 29 minutes20 to 29 minutes

In Ohio, the rental vacancy rate is 4.4%; in the U.S., 5.5%.

In Ohio, 1.5% of households live with more than one person per room, against 3.4% in the U.S..

Households in Ohio are smaller: 2.37 people on average; in the U.S., 2.53.

The car rules in Ohio: 75% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in Ohio

Sort by any column or type a name. The 25 most populous are shown; the button reveals the rest.

See the counties page

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in Ohio

Start from the typical home value in Ohio, $214,800, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for Ohio

$
%

Estimated monthly payment

$1,848

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in Ohio rose 93% in the 10 years through 2025.

Price change each year

Period Ohio United States
In 2025 +4.8% +2.9%
5 years (2020–2025) +53% +47%
10 years (2015–2025) +93% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in Ohio were 7% lower than the U.S. average. Housing rents were 27% lower than nationwide.

Category Ohio United States Versus the U.S.
All prices Consumer goods and services 92.8 100.0 7% less
Housing rents What renters pay 73.0 100.6 27% less
Water, power and gas Water, sewer, electricity and gas 95.8 98.4 3% less
Goods Food, clothing, transportation and more 93.7 99.6 6% less
Other services Services other than rent 98.9 100.1 1% less

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in Ohio 1.7% of homes (73,981) are in a high-risk flood zone. Of those homes, 16% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
Ohio United States
Homes in a high-risk zone 1.7% 3.5%
Of those, with NFIP insurance 16% 48%
All homes with NFIP insurance 0.4% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in Ohio

The 16 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (276)

    Help to buy

    Assistance programs in Ohio

    Our list has 2 official programs that help you buy in Ohio. Each card says what kind of help it gives and when we checked its official page.

    See all 2 programs
    1. Your Choice! Down Payment Assistance

      Ohio state agency help of 2.5% or 5% of the price for the down payment, closing costs or other costs before closing, forgiven after seven years; if you sell sooner, you repay all of it. Offered by Ohio Housing Finance Agency (OHFA).

      Forgivable Verified November 5, 2026

    2. Mortgage Tax Credit

      Ohio state agency certificate that turns part of your mortgage interest into a credit on your federal tax return, up to $2,000 a year: 40% with an OHFA mortgage (MTC Plus) or 15% to 20% with another mortgage (MTC Basic). Offered by Ohio Housing Finance Agency (OHFA).

      Tax credit Verified November 5, 2026

    Tenant rights

    Tenant rights in Ohio

    Ohio law answers 4 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      Ohio law sets no maximum for the security deposit. What §5321.16(A) does say is that any deposit above $50 or one month's rent (whichever is greater) earns 5 percent yearly interest on the excess if you stay 6 months or more.

      Ohio Rev. Code §5321.16(A)

    2. When must they return my deposit?

      Within 30 days after the agreement ends and you deliver possession, the landlord must give you an itemized written notice of deductions and the balance of the deposit. You must give your forwarding address in writing; otherwise you lose the right to damages and attorney fees.

      Ohio Rev. Code §5321.16(B)

    3. If I fall behind on rent, what notice must I get?

      Before filing the eviction, the landlord must notify you to leave at least 3 days ahead, by certified mail, in person or by leaving the notice at the home. The notice must include the statutory sentence recommending that you seek legal assistance.

      Ohio Rev. Code §1923.04(A)

    4. How much notice ends a month-to-month rental?

      You or the landlord may end or not renew a month-to-month tenancy with notice at least 30 days before the periodic rental date (7 days week to week).

      Ohio Rev. Code §5321.17(B)

    5. Are there limits on late fees?

      Data not available

    The simple kitchen of an apartment, with an electric stove, a refrigerator and wood cabinets.

    Help and advice

    Who can help you in Ohio?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    54 HUD-approved counseling agencies serve Ohio; 14 say they serve you in Spanish. Choose your county to see the closest ones with their phone number.

    75 public housing authorities run Section 8 vouchers and public housing in Ohio.

    See all 54 agencies See the housing agencies

    Who runs the help in Ohio

    • Ohio Housing Finance Agency (OHFA)

      The Ohio Housing Finance Agency (OHFA) says it offers competitive mortgage rates plus down payment and closing cost assistance for eligible homebuyers. It gives 3% down payment assistance on conventional loans and 3.5% on government loans (FHA, VA, USDA), with income and purchase price limits. It also offers 30-year fixed-rate FHA, VA, USDA-RD and conventional mortgage loans. Its first-time homebuyer programs use target and non-target income limits.

      The agency's official page · Verified October 24, 2026

    Where to file a complaint in Ohio

    • Where to file a housing discrimination complaint

      The Ohio Civil Rights Commission investigates charges of discrimination in housing, employment, credit, places of public accommodation and disability in higher education. In housing, it protects against discrimination based on race, color, religion, sex, ancestry, military status, national origin, disability, familial status and retaliation; age is not protected in housing. A housing charge must be filed within one year after the last occurrence of discriminatory harm.

      Ohio Civil Rights Commission · Verified October 24, 2026

    • Help with homeowners insurance complaints

      Ohio law gives insurance consumers the right to file a complaint against insurance companies, health maintenance organizations (HMOs), insurance agents and adjusters. The Ohio Department of Insurance regulates, among others, automobile, homeowner's and renter's insurance. If you still cannot resolve your complaint, you can call its Consumer Services Division toll-free at 800-686-1526.

      Ohio Department of Insurance · Verified October 24, 2026

    • Insurer of last resort: Ohio FAIR Plan

      If you cannot find insurance for your home, you can apply through the Ohio FAIR Plan Underwriting Association. You do not have a guaranteed right to buy this coverage: the FAIR Plan inspects the house to decide whether it is eligible. The Department of Insurance page says this coverage is likely to cost substantially more than in the standard market, and recommends searching thoroughly before turning to it.

      Ohio Department of Insurance (Homeowners Insurance Guide) · Verified October 24, 2026

    Guides

    Guides for you in Ohio

    We picked them with the numbers of Ohio. Each one says why it can help you.

    Frequently asked questions about housing in Ohio

    What is the FHA limit in Ohio in 2026?

    In Ohio, the FHA limit for a one-unit home runs from $541,287 to $591,100. The highest is in Delaware County.

    How much does a typical home cost in Ohio?

    The typical home value in Ohio is $214,800 (Average 2020–2024, U.S. Census). The highest is in Delaware County ($445,500) and the lowest in Meigs County ($119,300).

    How much does it cost to rent in Ohio?

    The typical rent in Ohio is $1,034 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in Ohio?

    At HUD's average fair market rent in Ohio ($1,273, Fiscal year 2027), about $24.48 an hour working full time, so rent stays under 30% of income.

    How much is property tax in Ohio?

    The typical property tax in Ohio is $2,822 a year, about 1.31% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in Ohio?

    There are 54 HUD-approved counseling agencies in Ohio; 14 say they serve you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).