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City · 8,631 residents · Williams County, Ohio

Bryan , Ohio

In Bryan, a typical home is worth $144,400 and typical rent is $806 a month. Compared with all of Williams County, typical household income is 13% lower and the share of households that own their home is 11 points lower.

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  • Typical home value

    $144,400

    4% below the county

    33% below Ohio

    • Bryan
    • Williams
    • Ohio

  • Typical rent

    $806a month

    About the same as the county

    22% below Ohio

    • Bryan
    • Williams
    • Ohio

  • Typical household income

    $52,865a year

    13% below the county

    26% below Ohio

    • Bryan
    • Williams
    • Ohio

  • Households that own their home

    65%

    11 points below the county

    2 points below Ohio

    • Bryan
    • Williams
    • Ohio

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$193,276
1.4% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

Bryan is in Williams 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 Williams County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bryan apart

What this place has that others do not, from public data, most unusual first.

  1. 65% of households in Bryan own their home, against 76% in Williams County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Bryan

What homes there are in Bryan, 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

In Bryan, 8 in 10 homes are single-family detached houses; in Williams County, 8.

Year built

By age, homes in Bryan look like those in Williams County: the typical year built is 1963.

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

At least 97% of owner-occupied homes in Bryan are worth less than $500,000, below the FHA loan limit for Williams County ($541,287).

Monthly rent with utilities

With a mortgage

$1,103 a month

Williams County: $1,163 a month

Without a mortgage

$447 a month

Williams County: $462 a month

Owners with a mortgage

54%

Williams County: 54%

Owning costs less in Bryan: with a mortgage, the typical cost is $1,103 a month; in Williams County, $1,163. Without one, $447.

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

Since 2015–2019, homes in Bryan gained value faster than in Williams County: 47% against 42%.

The typical rent in Bryan rose 13% since 2015–2019, about the same as in Williams County (14%).

The typical household income in Bryan rose 24% over that time; home values changed +47% and rent +13%.

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

MeasureBryanWilliams CountyOhioUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.5%3.4%
People per household 2.042.312.372.53
Drive alone 81%86%75%69%
Carpool 9%8%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate3%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Bryan are smaller: 2.04 people on average; in Williams County, 2.31.

To get to work, 81% of workers in Bryan drive alone; in Williams County, 86%.

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

Do the math

What would you pay each month for a home in Bryan?

A typical home is within reach of the typical income

We start with a typical home in Bryan, worth $144,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Bryan, which is $52,865 a year.

The calculator's FHA and conventional loan limits are those of all of Williams County.

Your numbers

Local data
$

Starts at the typical home value in Bryan. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $5,054 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,221

at 7.18% · 30 years

Loan amount
$141,785
Total interest
$203,995
Paid off in
November 2056

Includes $2,439 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,234 a month

    Your payment · 28%

  • Tight

    $1,234 to $1,586 a month

  • Hard

    more than $1,586 a month

Compared with the typical household income in Bryan ($52,865 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,221
Principal & interest$960
Property tax$136
Home insurance$60
FHA mortgage insurance (MIP)$64

You need at least $5,054 for the down payment, plus closing costs.

Next step

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.

The city and its county

Bryan and Williams County

Bryan is in Williams 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).

Bryan's own numbers

Typical home value
$144,400
Typical monthly rent
$806
Typical yearly household income
$52,865
Households that own their home
65%
Effective property tax rate
1.13%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Williams 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)
+49%

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 Williams County.

Everything about Williams County

Buying

Buying a home in Bryan

A typical home in Bryan is worth $144,400: 4% below the county and 33% below Ohio. With the typical household income in Bryan ($52,865 a year), a typical home costs 2.7 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.

  • Bryan 2.7 years
  • Williams 2.5 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Williams County

According to FHFA’s house price index, home prices in Williams County rose 80% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Williams County.

Period County Ohio U.S.
Last year (2025) +5.4% +4.8% +2.9%
5 years (2020–2025) +49% +53% +47%
10 years (2015–2025) +80% +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

Bryan next to Williams 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
  • Bryan $144,400
  • Williams $150,000
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Bryan $806
  • Williams $791
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Bryan $52,865
  • Williams $61,048
  • Ohio $71,389
  • United States $80,734
See the full table
Bryan next to Williams County and Ohio
Measure Bryan Williams County Ohio U.S.
Typical home value $144,400 $150,000 $214,800 $332,700
Typical monthly rent $806 $791 $1,034 $1,413
Typical yearly household income $52,865 $61,048 $71,389 $80,734
Households that own their home 65% 76% 67% 65%
Typical yearly property tax $1,626 $1,577 $2,822 $3,119
Effective property tax rate 1.13% 1.05% 1.31% 0.94%
Renters with high rent for their income 45% 44% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Williams 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 Bryan

For a typical $144,400 home in Bryan, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bryan's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,221a month

    Least cash to close
    Down payment
    $5,054
    Cash to close
    $9,386
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $64

  • Conventional, 5% down $1,194a month

    Down payment
    $7,220
    Cash to close
    $11,552
    Rate
    7.18%
    Mortgage insurance
    PMI · $69

  • Conventional, 20% down, no PMI $979a month

    Down payment
    $28,880
    Cash to close
    $33,212
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,112a month

    Down payment
    $21,660
    Cash to close
    $25,992
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Bryan and for Williams County.

Property tax

Effective rate in Bryan

1.13%of the home’s value each year

$1,626 a year for the typical owner in Bryan.

  • Bryan 1.13%
  • Williams 1.05%
  • Ohio 1.31%

What Ohio publishes Homestead exemption for seniors and people with disabilities (Ohio Department of Taxation)

Exemptions and deadlines in Ohio

Flood risk in Williams County

FEMA does not publish these numbers by city: they are for all of Williams County.

FEMA’s maps count no homes in the high-risk zone in Williams County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bryan

Typical rent in Bryan is $806 a month: about the same as the county. In Bryan, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Williams 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.

HUD fair market rent for all of Williams County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $758 $14.58 $30,320
1 bedroom $780 $15.00 $31,200
2 bedrooms $1,003 $19.29 $40,120
3 bedrooms $1,294 $24.88 $51,760
4 bedrooms $1,318 $25.35 $52,720

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 Bryan

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bryan is in ZIP code 43506.

For 2 bedrooms it is $1,010: $7 more than the fair market rent for Williams County ($1,003).

  • 43506 $1,010$1,300

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bryan 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Bryan

HUD lists 4 buildings with rents for lower incomes in Bryan. These are the largest.

  • Bryan Community Apts 936 E Wilson St, Bryan 43506 60 low-income homes · 1 bd: 20 · 2 bd: 40 · In service since 2012
  • Meadow Creek 1700 E High St, Bryan 43506 96 homes, 57 low-income · 2 bd: 80 · 3 bd: 16 · In service since 2000 · For older adults
  • Bryan Senior Village Apts 1200 Rays Dr, Bryan 43506 40 low-income homes · In service since 1987
  • Bryan Senior Housing 1915 E Wilson St, Bryan 43506 32 low-income homes · 1 bd: 8 · 2 bd: 24 · In service since 2008 · For older adults

See all 6 buildings in Williams County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Bryan

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 Williams County. The nearest ones are below; many serve by phone or online.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Bryan

No down payment, repair or rent-help program on our list is for Bryan or Williams County. The ones below are statewide in Ohio: they work in Bryan the same as in the rest of the state.

Which programs do I qualify for? All programs in Ohio

  • Your Choice! Down Payment Assistance

    Statewide in Ohio

    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

    See the program Official page

  • Mortgage Tax Credit

    Statewide in Ohio

    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

    See the program Official page

Housing counselors near Bryan

The HUD-approved agencies closest to the center of Bryan, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Ohio State University Extension - Fulton County

    8770 State Route 108, Suite A, Wauseon · 22 miles away

    • Budget and financial counseling
    • Workshops for new owners
    • and 2 more
    (419) 337-9210

  • Ohio State University Extension - Lucas County

    5403 Elmer Dr, Toledo · 47 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (419) 213-4254

  • Nid Lucas County

    1510 N. Westwood Ave. Suite 2035, Toledo · 50 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (419) 504-5188

All counseling agencies in Ohio

Help in Spanish near Bryan

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Bryan

HUD lists no housing authority with an office in Williams County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Ohio Source: HUD

Cities

Nearby cities

The cities closest to Bryan, with the typical home value.

Everything about Williams County Housing in Ohio

Neighboring counties

If Williams County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Bryan.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Bryan

Short answers with the numbers for Bryan and all of Williams 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 Bryan?

The typical home value in Bryan is $144,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Williams County it is $150,000.

How much does it cost to rent in Bryan?

Typical rent in Bryan is $806 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Williams County is $1,003.

What is the FHA loan limit in Bryan?

Bryan uses the FHA limit for all of Williams 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 Bryan?

The typical homeowner in Bryan pays $1,626 a year, according to the U.S. Census Bureau. That is 1.13% of the home’s value; in Williams County, the rate is 1.05%.

Where can I find free help to buy or rent in Bryan?

We found no HUD-approved counseling agencies with an office in Williams County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).