In Apple Valley, a typical home is worth $287,700. Compared with all of Knox County, typical household income is 36% higher, the typical home value is 20% higher, and the share of households that own their home is 20 points higher.
Apple Valley is in Knox 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 Knox County. See the county
What this place has that others do not, from public data, most unusual first.
1
Apple Valley has the 5th highest homeownership rate of the 292 cities in Ohio with more than 5,000 people (95%).
2
Nearby, in Mansfield, the typical home value is $119,600: 58% less than in Apple Valley ($287,700).
3
The typical household income in Apple Valley is $100,593,36% more than in Knox County as a whole ($73,878).
4
The typical home in Apple Valley is worth $287,700,20% more than in Knox County as a whole ($239,400).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Apple Valley
What homes there are in Apple Valley, 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
Apple Valley
Knox County
Ohio
United States
Kind of home: Apple Valley and its comparisons
Measure
Apple Valley
Knox County
Ohio
United States
Detached house
99%
83%
69%
61%
Attached house
Unreliable estimate
2%
5%
6%
Building of 2 to 4
Unreliable estimate
7%
8%
8%
Apartments (5 or more)
Unreliable estimate
4%
15%
19%
Mobile home
Unreliable estimate
4%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 99% of homes here, against 83% in Knox County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Apple Valley
Knox County
Ohio
United States
Year built: Apple Valley and its comparisons
Measure
Apple Valley
Knox County
Ohio
United States
Before 1960
Unreliable estimate
38%
38%
26%
1960–1979
Unreliable estimate
20%
26%
24%
1980–1999
34%
22%
20%
25%
2000–2009
35%
14%
10%
14%
2010 or later
13%
6%
7%
11%
Here half of the homes date from 1999 or later; in Knox County, from 1973 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K19%
$200K–$300K35%
$300K–$500K33%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Apple Valley and its comparisons
Measure
Apple Valley
Under $100K
Unreliable estimate
$100K–$200K
19%
$200K–$300K
35%
$300K–$500K
33%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Apple Valley and its comparisons
Measure
Apple Valley
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,630 a month
Knox County: $1,512 a month
Without a mortgage
$633 a month
Knox County: $566 a month
Owners with a mortgage
67%
Knox County: 61%
The typical cost for an owner with a mortgage in Apple Valley is $1,630 a month, more than in Knox County ($1,512); without one, $633.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Apple Valley+79%
Knox County+54%
Ohio+47%
United States+53%
Typical household income
Apple ValleyNo clear change
Knox County+28%
Ohio+26%
United States+29%
Change since 2015–2019: Apple Valley and its comparisons
Measure
Apple Valley
Knox County
Ohio
United States
Typical home value
+79%
+54%
+47%
+53%
Typical rent
No data
+29%
+28%
+33%
Typical household income
No clear change
+28%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Apple Valley rose 79%; in Knox County, it rose 54%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Apple Valley and its comparisons
Measure
Apple Valley
Knox County
Ohio
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
1.5%
3.4%
People per household
2.42
2.54
2.37
2.53
Drive alone
81%
74%
75%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
4%
2%
3%
Work from home
Unreliable estimate
14%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
A household in Apple Valley has 2.42 people on average, about the same as in Knox County (2.54).
To get to work, 81% of workers in Apple Valley drive alone; in Knox County, 74%.
Do the math
What would you pay each month for a home in Apple Valley?
A typical home is tight for the typical income
We start with a typical home in Apple Valley, worth $287,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Apple Valley, which is $100,593 a year. For that payment to be 28% of income, a household would need to earn about $104,628 a year.
The calculator's FHA and conventional loan limits are those of all of Knox 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 Apple Valley. 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 $10,070 (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
$2,441
at 7.18% · 30 years
Loan amount
$282,489
Total interest
$406,435
Paid off in
November 2056
Includes $4,859 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,347 a month
Tight
$2,347 to $3,018 a month
Your payment · 29%
Hard
more than $3,018 a month
Compared with the typical household income in Apple Valley ($100,593 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,914
Property tax
$281
Home insurance
$120
FHA mortgage insurance (MIP)
$127
You need at least $10,070 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 $2,441; principal and interest $1,914.
The city and its county
Apple Valley and Knox County
Apple Valley is in Knox 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).
Apple Valley
Map of Knox County, Ohio, with Apple Valley marked. Around it, the neighboring counties.
Apple Valley
Knox County
Other cities with a page
Apple Valley's own numbers
Typical home value
$287,700
Typical yearly household income
$100,593
Households that own their home
95%
Effective property tax rate
1.17%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Knox County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,136
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
3.6%
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 Knox County.
A typical home in Apple Valley is worth $287,700: 20% above the county and 34% above Ohio. With the typical household income in Apple Valley ($100,593 a year), a typical home costs 2.9 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.
Apple Valley2.9 years
Knox3.2 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Knox County
According to FHFA’s house price index, home prices in Knox County rose 106% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Knox County.
Yearly change in FHFA’s price index in Knox County, 2016 to 2025
2016: +6.0% +6.0% 2016
2017: +4.7% +4.7% 2017
2018: +4.0% +4.0% 2018
2019: +5.7% +5.7% 2019
2020: +4.9% +4.9% 2020
2021: +12.7% +12.7% 2021
2022: +14.3% +14.3% 2022
2023: +14.1% +14.1% 2023
2024: +4.7% +4.7% 2024
2025: +4.6% +4.6% 2025
Change in FHFA’s price index in Knox County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+4.6%
+4.8%
+2.9%
5 years (2020–2025)
+61%
+53%
+47%
10 years (2015–2025)
+106%
+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
Apple Valley next to Knox 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
Apple Valley$287,700
Knox$239,400
Ohio$214,800
United States$332,700
Typical yearly household income
Apple Valley$100,593
Knox$73,878
Ohio$71,389
United States$80,734
See the full table
Apple Valley next to Knox County and Ohio
Measure
Apple Valley
Knox County
Ohio
U.S.
Typical home value
$287,700 ▲20% above the county
$239,400
$214,800
$332,700
Typical yearly household income
$100,593 ▲36% above the county
$73,878
$71,389
$80,734
Households that own their home
95% ▲20 points above the county
76%
67%
65%
Typical yearly property tax
$3,369 ▲31% above the county
$2,564
$2,822
$3,119
Effective property tax rate
1.17% ▲0.1 points above the county
1.07%
1.31%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Knox 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 Apple Valley
For a typical $287,700 home in Apple Valley, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Apple Valley's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,441a month
Least cash to close
Down payment
$10,070
Cash to close
$18,701
Rate
7.18%
Mortgage insurance
FHA MIP · $127
Conventional, 5% down$2,389a month
Down payment
$14,385
Cash to close
$23,016
Rate
7.18%
Mortgage insurance
PMI · $137
Conventional, 20% down, no PMI$1,960a month
Down payment
$57,540
Cash to close
$66,171
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,226a month
Down payment
$43,155
Cash to close
$51,786
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Apple Valley
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,441
$10,070
$282,489
7.18%
FHA MIP · $127
$18,701
580
Conventional, 5% down
$2,389
$14,385
$273,315
7.18%
PMI · $137
$23,016
620*
Conventional, 20% down, no PMI
$1,960
$57,540
$230,160
7.18%
None
$66,171
620*
ITIN, 15% down (example)
$2,226
$43,155
$244,545
8.18%
None
$51,786
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.
The Census Bureau publishes no typical rent for Apple Valley. Below are the fair market rents for Knox County.
HUD publishes a fair market rent for all of Knox County, by unit size. To pay the 2-bedroom one ($1,136 a month) without spending more than 30% of your income, you would need to earn $21.85 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 Knox County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$814
$15.65
$32,560
1 bedroom
$927
$17.83
$37,080
2 bedrooms
$1,136
$21.85
$45,440
3 bedrooms
$1,444
$27.77
$57,760
4 bedrooms
$1,498
$28.81
$59,920
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 Apple Valley
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Apple Valley is in ZIP code 43028.
For 2 bedrooms it is $1,410: $274 more than the fair market rent for Knox County ($1,136).
Fair market rent by ZIP code and size in Apple Valley, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
43028
$1,010
$1,150
$1,410
$1,790
$1,860
ZIP code2 bd3 bd
43028 $1,410$1,790
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Apple Valley 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 Knox 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 Apple Valley or Knox County. The ones below are statewide in Ohio: they work in Apple Valley 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).
The HUD-approved agencies closest to the center of Apple Valley, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
NC
Nid-Hca Columbus
4200 Regent St Suite 200, Columbus · 40 miles away
No legal help resource on our list is for Apple Valley or Knox 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 Apple Valley and all of Knox 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 Apple Valley?
The typical home value in Apple Valley is $287,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Knox County it is $239,400.
What is the FHA loan limit in Apple Valley?
Apple Valley uses the FHA limit for all of Knox 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 Apple Valley?
The typical homeowner in Apple Valley pays $3,369 a year, according to the U.S. Census Bureau. That is 1.17% of the home’s value; in Knox County, the rate is 1.07%.
Where can I find free help to buy or rent in Apple Valley?
We found no HUD-approved counseling agencies with an office in Knox County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
