In Amelia, a typical home is worth $230,400 and typical rent is $957 a month. Compared with all of Clermont County, typical household income is 17% lower, typical rent is 14% lower, and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $241,476 to $309,617.
Typical rent
$1,332a month
▲ 5.6% more than 12 months ago
Typical rent from Zillow, March 2025 to September 2026: from $1,239 to $1,332.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Amelia is in Clermont County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Clermont County. See the county
What this place has that others do not, from public data, most unusual first.
1
61% of households in Amelia own their home, against 74% in Clermont County.
2
The typical household income in Amelia is $70,938,17% less than in Clermont County as a whole ($85,510).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Amelia
What homes there are in Amelia, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Amelia
Clermont County
Ohio
United States
Kind of home: Amelia and its comparisons
Measure
Amelia
Clermont County
Ohio
United States
Detached house
62%
70%
69%
61%
Attached house
5%
4%
5%
6%
Building of 2 to 4
Unreliable estimate
2%
8%
8%
Apartments (5 or more)
Unreliable estimate
17%
15%
19%
Mobile home
4%
6%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Amelia, but it weighs less than in Clermont County: 62% against 70%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Amelia
Clermont County
Ohio
United States
Year built: Amelia and its comparisons
Measure
Amelia
Clermont County
Ohio
United States
Before 1960
10%
19%
38%
26%
1960–1979
21%
23%
26%
24%
1980–1999
26%
32%
20%
25%
2000–2009
29%
16%
10%
14%
2010 or later
14%
11%
7%
11%
Homes in Amelia are newer: the typical year built is 1995; in Clermont County, 1987.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K29%
$200K–$300K39%
$300K–$500K24%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Amelia and its comparisons
Measure
Amelia
Under $100K
Unreliable estimate
$100K–$200K
29%
$200K–$300K
39%
$300K–$500K
24%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99943%
$1,000–$1,49928%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Amelia and its comparisons
Measure
Amelia
Under $500
Unreliable estimate
$500–$999
43%
$1,000–$1,499
28%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,580 a month
Clermont County: $1,677 a month
Without a mortgage
$565 a month
Clermont County: $646 a month
Owners with a mortgage
77%
Clermont County: 65%
Owning costs less in Amelia: with a mortgage, the typical cost is $1,580 a month; in Clermont County, $1,677. Without one, $565.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
AmeliaBoundaries changed
Clermont County+56%
Ohio+47%
United States+53%
Typical rent
AmeliaBoundaries changed
Clermont County+30%
Ohio+28%
United States+33%
Typical household income
AmeliaBoundaries changed
Clermont County+28%
Ohio+26%
United States+29%
Change since 2015–2019: Amelia and its comparisons
Measure
Amelia
Clermont County
Ohio
United States
Typical home value
Boundaries changed
+56%
+47%
+53%
Typical rent
Boundaries changed
+30%
+28%
+33%
Typical household income
Boundaries changed
+28%
+26%
+29%
The boundaries of Amelia changed since 2015–2019, so the Census does not compare its figures from then and now. In Clermont County, the typical home value rose 56%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Amelia and its comparisons
Measure
Amelia
Clermont County
Ohio
United States
Rental vacancy
Unreliable estimate
3.2%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.7%
1.5%
3.4%
People per household
2.51
2.46
2.37
2.53
Drive alone
75%
78%
75%
69%
Carpool
10%
6%
8%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
10%
14%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Amelia look like those in Clermont County: 2.51 people on average.
Carpooling is common in Amelia: 10% of workers get to work that way, against 6% in Clermont County.
Do the math
What would you pay each month for a home in Amelia?
A typical home is tight for the typical income
We start with a typical home in Amelia, worth $230,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Amelia, which is $70,938 a year. For that payment to be 28% of income, a household would need to earn about $83,872 a year.
The calculator's FHA and conventional loan limits are those of all of Clermont County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Amelia. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $8,064 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,957
at 7.18% · 30 years
Loan amount
$226,227
Total interest
$325,487
Paid off in
November 2056
Includes $3,891 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,655 a month
Tight
$1,655 to $2,128 a month
Your payment · 33%
Hard
more than $2,128 a month
Compared with the typical household income in Amelia ($70,938 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,533
Property tax
$227
Home insurance
$96
FHA mortgage insurance (MIP)
$102
You need at least $8,064 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,957; principal and interest $1,533.
The city and its county
Amelia and Clermont County
Amelia is in Clermont County, Ohio. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Amelia
Map of Clermont County, Ohio, with Amelia marked. Around it, the neighboring counties.
Amelia
Clermont County
Other cities with a page
Amelia's own numbers
Typical home value
$230,400
Typical monthly rent
$957
Typical yearly household income
$70,938
Households that own their home
61%
Effective property tax rate
1.18%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Clermont County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,442
Price change over 5 years (FHFA)
+63%
Homes in a high flood-risk zone
1.7%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Clermont County.
A typical home in Amelia is worth $230,400: 13% below the county and 7% above Ohio. With the typical household income in Amelia ($70,938 a year), a typical home costs 3.2 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Amelia3.2 years
Clermont3.1 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Clermont County
According to FHFA’s house price index, home prices in Clermont County rose 110% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Clermont County.
Yearly change in FHFA’s price index in Clermont County, 2016 to 2025
2016: +4.2% +4.2% 2016
2017: +6.4% +6.4% 2017
2018: +6.1% +6.1% 2018
2019: +5.4% +5.4% 2019
2020: +4.0% +4.0% 2020
2021: +12.9% +12.9% 2021
2022: +15.3% +15.3% 2022
2023: +8.5% +8.5% 2023
2024: +8.1% +8.1% 2024
2025: +6.6% +6.6% 2025
Change in FHFA’s price index in Clermont County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+6.6%
+4.8%
+2.9%
5 years (2020–2025)
+63%
+53%
+47%
10 years (2015–2025)
+110%
+93%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Amelia next to Clermont County, Ohio and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Amelia$230,400
Clermont$266,200
Ohio$214,800
United States$332,700
Typical monthly rent
Amelia$957
Clermont$1,107
Ohio$1,034
United States$1,413
Typical yearly household income
Amelia$70,938
Clermont$85,510
Ohio$71,389
United States$80,734
See the full table
Amelia next to Clermont County and Ohio
Measure
Amelia
Clermont County
Ohio
U.S.
Typical home value
$230,400 ▼13% below the county
$266,200
$214,800
$332,700
Typical monthly rent
$957 ▼14% below the county
$1,107
$1,034
$1,413
Typical yearly household income
$70,938 ▼17% below the county
$85,510
$71,389
$80,734
Households that own their home
61% ▼12 points below the county
74%
67%
65%
Typical yearly property tax
$2,710 ▼19% below the county
$3,333
$2,822
$3,119
Effective property tax rate
1.18% ▼0.07 points below the county
1.25%
1.31%
0.94%
Renters with high rent for their income
40%
40%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clermont County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Amelia
For a typical $230,400 home in Amelia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Amelia's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,957a month
Least cash to close
Down payment
$8,064
Cash to close
$14,976
Rate
7.18%
Mortgage insurance
FHA MIP · $102
Conventional, 5% down$1,915a month
Down payment
$11,520
Cash to close
$18,432
Rate
7.18%
Mortgage insurance
PMI · $109
Conventional, 20% down, no PMI$1,571a month
Down payment
$46,080
Cash to close
$52,992
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,784a month
Down payment
$34,560
Cash to close
$41,472
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Amelia
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,957
$8,064
$226,227
7.18%
FHA MIP · $102
$14,976
580
Conventional, 5% down
$1,915
$11,520
$218,880
7.18%
PMI · $109
$18,432
620*
Conventional, 20% down, no PMI
$1,571
$46,080
$184,320
7.18%
None
$52,992
620*
ITIN, 15% down (example)
$1,784
$34,560
$195,840
8.18%
None
$41,472
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Amelia is $957 a month: 14% below the county. In Amelia, 40% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Clermont County, by unit size. To pay the 2-bedroom one ($1,442 a month) without spending more than 30% of your income, you would need to earn $27.73 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Clermont County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,052
$20.23
$42,080
1 bedroom
$1,128
$21.69
$45,120
2 bedrooms
$1,442
$27.73
$57,680
3 bedrooms
$1,897
$36.48
$75,880
4 bedrooms
$2,141
$41.17
$85,640
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Amelia
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Amelia is in ZIP code 45102.
For 2 bedrooms it is $1,280: $162 less than the fair market rent for Clermont County ($1,442).
Fair market rent by ZIP code and size in Amelia, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
45102
$930
$1,000
$1,280
$1,680
$1,900
ZIP code2 bd3 bd
45102 $1,280$1,680
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Amelia when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Clermont County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Amelia or Clermont County. The ones below are statewide in Ohio: they work in Amelia the same as in the rest of the state.
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).
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).
No legal help resource on our list is for Amelia or Clermont County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Amelia and all of Clermont County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Amelia?
The typical home value in Amelia is $230,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clermont County it is $266,200.
How much does it cost to rent in Amelia?
Typical rent in Amelia is $957 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clermont County is $1,442.
What is the FHA loan limit in Amelia?
Amelia uses the FHA limit for all of Clermont County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Amelia?
The typical homeowner in Amelia pays $2,710 a year, according to the U.S. Census Bureau. That is 1.18% of the home’s value; in Clermont County, the rate is 1.25%.
Where can I find free help to buy or rent in Amelia?
We found no HUD-approved counseling agencies with an office in Clermont County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
