In Ashtabula, a typical home is worth $105,900 and typical rent is $793 a month. Compared with all of Ashtabula County, the typical home value is 34% lower, typical household income is 24% lower, and the share of households that own their home is 18 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $111,249 to $155,642.
Typical rent
$1,000a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Ashtabula is in Ashtabula 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 Ashtabula County. See the county
What this place has that others do not, from public data, most unusual first.
1
58% of households in Ashtabula own their home, against 76% in Ashtabula County.
2
Ashtabula has the 14th lowest typical home value of the 292 cities in Ohio with more than 5,000 people ($105,900).
3
Ashtabula has the 16th lowest typical household income of the 292 cities in Ohio with more than 5,000 people ($44,120).
4
According to Zillow, in the 12 months to September 2026 the typical home value in Ashtabula rose 6.2%; in Ohio, it rose 3.2%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Ashtabula
What homes there are in Ashtabula, 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
Ashtabula
Ashtabula County
Ohio
United States
Kind of home: Ashtabula and its comparisons
Measure
Ashtabula
Ashtabula County
Ohio
United States
Detached house
71%
78%
69%
61%
Attached house
Unreliable estimate
2%
5%
6%
Building of 2 to 4
12%
6%
8%
8%
Apartments (5 or more)
12%
7%
15%
19%
Mobile home
4%
8%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Ashtabula (71%), but less so than in Ashtabula County (78%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Ashtabula
Ashtabula County
Ohio
United States
Year built: Ashtabula and its comparisons
Measure
Ashtabula
Ashtabula County
Ohio
United States
Before 1960
66%
48%
38%
26%
1960–1979
20%
24%
26%
24%
1980–1999
11%
17%
20%
25%
2000–2009
3%
8%
10%
14%
2010 or later
Unreliable estimate
3%
7%
11%
In Ashtabula, half of the homes were built before 1949; in Ashtabula County, before 1962.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K45%
$100K–$200K41%
$200K–$300K5%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Ashtabula and its comparisons
Measure
Ashtabula
Under $100K
45%
$100K–$200K
41%
$200K–$300K
5%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50020%
$500–$99955%
$1,000–$1,49924%
HUD fair market rent, 2 bedrooms: $1,003
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Ashtabula and its comparisons
Measure
Ashtabula
Under $500
20%
$500–$999
55%
$1,000–$1,499
24%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
About 75% of rented homes in Ashtabula cost less than HUD's 2-bedroom fair market rent for Ashtabula County ($1,003).
With a mortgage
$1,020 a month
Ashtabula County: $1,229 a month
Without a mortgage
$449 a month
Ashtabula County: $493 a month
Owners with a mortgage
45%
Ashtabula County: 52%
The typical cost for an owner with a mortgage in Ashtabula is $1,020 a month, less than in Ashtabula County ($1,229); without one, $449.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ashtabula+47%
Ashtabula County+42%
Ohio+47%
United States+53%
Typical rent
Ashtabula+23%
Ashtabula County+19%
Ohio+28%
United States+33%
Typical household income
Ashtabula+49%
Ashtabula County+24%
Ohio+26%
United States+29%
Change since 2015–2019: Ashtabula and its comparisons
Measure
Ashtabula
Ashtabula County
Ohio
United States
Typical home value
+47%
+42%
+47%
+53%
Typical rent
+23%
+19%
+28%
+33%
Typical household income
+49%
+24%
+26%
+29%
The typical home value in Ashtabula rose 47% since 2015–2019, more than in Ashtabula County (42%).
The typical rent in Ashtabula rose 23% over the same time; in Ashtabula County, it rose 19%.
The typical household income in Ashtabula rose 49% over that time; home values changed +47% and rent +23%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ashtabula and its comparisons
Measure
Ashtabula
Ashtabula County
Ohio
United States
Rental vacancy
Unreliable estimate
5.0%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
2.0%
1.5%
3.4%
People per household
2.22
2.39
2.37
2.53
Drive alone
81%
78%
75%
69%
Carpool
11%
11%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
6%
13%
15%
Other means
Unreliable estimate
3%
1%
2%
Typical commute
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.22 on average, against 2.39 in Ashtabula County.
The car rules in Ashtabula: 81% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Ashtabula?
A typical home is within reach of the typical income
We start with a typical home in Ashtabula, worth $105,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Ashtabula, which is $44,120 a year.
The calculator's FHA and conventional loan limits are those of all of Ashtabula 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 Ashtabula. 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 $3,707 (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
$914
at 7.18% · 30 years
Loan amount
$103,981
Total interest
$149,605
Paid off in
November 2056
Includes $1,788 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,029 a month
Your payment · 25%
Tight
$1,029 to $1,324 a month
Hard
more than $1,324 a month
Compared with the typical household income in Ashtabula ($44,120 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$704
Property tax
$118
Home insurance
$44
FHA mortgage insurance (MIP)
$47
You need at least $3,707 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 $914; principal and interest $704.
The city and its county
Ashtabula and Ashtabula County
Ashtabula is in Ashtabula 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).
Ashtabula
Map of Ashtabula County, Ohio, with Ashtabula marked. Around it, the neighboring counties.
Ashtabula
Ashtabula County
Other cities with a page
Ashtabula's own numbers
Typical home value
$105,900
Typical monthly rent
$793
Typical yearly household income
$44,120
Households that own their home
58%
Effective property tax rate
1.34%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Ashtabula County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,003
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
0.6%
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 Ashtabula County.
A typical home in Ashtabula is worth $105,900: 34% below the county and 51% below Ohio. With the typical household income in Ashtabula ($44,120 a year), a typical home costs 2.4 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.
Ashtabula2.4 years
County2.8 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Ashtabula County
According to FHFA’s house price index, home prices in Ashtabula County rose 83% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Ashtabula County.
Yearly change in FHFA’s price index in Ashtabula County, 2016 to 2025
2016: −1.3% −1.3% 2016
2017: +3.6% +3.6% 2017
2018: +6.9% +6.9% 2018
2019: +6.1% +6.1% 2019
2020: +2.1% +2.1% 2020
2021: +9.9% +9.9% 2021
2022: +13.6% +13.6% 2022
2023: +3.9% +3.9% 2023
2024: +13.1% +13.1% 2024
2025: +5.5% +5.5% 2025
Change in FHFA’s price index in Ashtabula County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+5.5%
+4.8%
+2.9%
5 years (2020–2025)
+55%
+53%
+47%
10 years (2015–2025)
+83%
+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
Ashtabula next to Ashtabula 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
Ashtabula$105,900
County$159,500
Ohio$214,800
United States$332,700
Typical monthly rent
Ashtabula$793
County$828
Ohio$1,034
United States$1,413
Typical yearly household income
Ashtabula$44,120
County$57,728
Ohio$71,389
United States$80,734
See the full table
Ashtabula next to Ashtabula County and Ohio
Measure
Ashtabula
Ashtabula County
Ohio
U.S.
Typical home value
$105,900 ▼34% below the county
$159,500
$214,800
$332,700
Typical monthly rent
$793 ▼4% below the county
$828
$1,034
$1,413
Typical yearly household income
$44,120 ▼24% below the county
$57,728
$71,389
$80,734
Households that own their home
58% ▼18 points below the county
76%
67%
65%
Typical yearly property tax
$1,423 ▼26% below the county
$1,928
$2,822
$3,119
Effective property tax rate
1.34% ▲0.13 points above the county
1.21%
1.31%
0.94%
Renters with high rent for their income
49% ▲1 points above the county
48%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ashtabula 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 Ashtabula
For a typical $105,900 home in Ashtabula, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ashtabula's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$914a month
Least cash to close
Down payment
$3,707
Cash to close
$6,884
Rate
7.18%
Mortgage insurance
FHA MIP · $47
Conventional, 5% down$894a month
Down payment
$5,295
Cash to close
$8,472
Rate
7.18%
Mortgage insurance
PMI · $50
Conventional, 20% down, no PMI$736a month
Down payment
$21,180
Cash to close
$24,357
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$834a month
Down payment
$15,885
Cash to close
$19,062
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ashtabula
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$914
$3,707
$103,982
7.18%
FHA MIP · $47
$6,884
580
Conventional, 5% down
$894
$5,295
$100,605
7.18%
PMI · $50
$8,472
620*
Conventional, 20% down, no PMI
$736
$21,180
$84,720
7.18%
None
$24,357
620*
ITIN, 15% down (example)
$834
$15,885
$90,015
8.18%
None
$19,062
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 Ashtabula is $793 a month: 4% below the county. In Ashtabula, 49% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Ashtabula County, by unit size. To pay the 2-bedroom one ($1,003 a month) without spending more than 30% of your income, you would need to earn $19.29 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 Ashtabula County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$698
$13.42
$27,920
1 bedroom
$810
$15.58
$32,400
2 bedrooms
$1,003
$19.29
$40,120
3 bedrooms
$1,225
$23.56
$49,000
4 bedrooms
$1,402
$26.96
$56,080
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 Ashtabula
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ashtabula is in ZIP code 44004.
For 2 bedrooms it is $1,000: $3 less than the fair market rent for Ashtabula County ($1,003).
Fair market rent by ZIP code and size in Ashtabula, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
44004
$700
$810
$1,000
$1,230
$1,400
ZIP code2 bd3 bd
44004 $1,000$1,230
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ashtabula 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)
HUD lists 13 buildings with rents for lower incomes in Ashtabula. These are the largest.
Cedarwood/Gulfview/Lakeview/Southwood3703 Lake Ave, Ashtabula 44004285 homes, 255 low-income · Run by Ashtabula Metropolitian Housing Authority · Average payment: $354 a month · Average wait: 5 months(440) 992-3156
Ashtabula Towers325 W 48th St, Ashtabula 44004202 homes, 200 low-income · For older adults(440) 998-6661
Ohio Village Apts1911 Lambros Ln, Ashtabula 44004120 low-income homes · 1 bd: 12 · 2 bd: 96 · 3 bd: 12 · In service since 2003
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 Ashtabula 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 Ashtabula or Ashtabula County. The ones below are statewide in Ohio: they work in Ashtabula 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 Ashtabula or Ashtabula 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 Ashtabula and all of Ashtabula 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 Ashtabula?
The typical home value in Ashtabula is $105,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ashtabula County it is $159,500.
How much does it cost to rent in Ashtabula?
Typical rent in Ashtabula is $793 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ashtabula County is $1,003.
What is the FHA loan limit in Ashtabula?
Ashtabula uses the FHA limit for all of Ashtabula 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 Ashtabula?
The typical homeowner in Ashtabula pays $1,423 a year, according to the U.S. Census Bureau. That is 1.34% of the home’s value; in Ashtabula County, the rate is 1.21%.
Where can I find free help to buy or rent in Ashtabula?
We found no HUD-approved counseling agencies with an office in Ashtabula County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
