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City · 10,060 residents · Guernsey County, Ohio

Cambridge , Ohio

In Cambridge, a typical home is worth $121,900 and typical rent is $788 a month. Compared with all of Guernsey County, typical household income is 27% lower, the typical home value is 23% lower, and the share of households that own their home is 24 points lower.

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  • Typical home value

    $121,900

    23% below the county

    43% below Ohio

    • Cambridge
    • Guernsey
    • Ohio

  • Typical rent

    $788a month

    9% below the county

    24% below Ohio

    • Cambridge
    • Guernsey
    • Ohio

  • Typical household income

    $42,946a year

    27% below the county

    40% below Ohio

    • Cambridge
    • Guernsey
    • Ohio

  • Households that own their home

    49%

    24 points below the county

    19 points below Ohio

    • Cambridge
    • Guernsey
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$172,221
3.9% more than 12 months ago

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

Cambridge is in Guernsey 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 Guernsey County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cambridge apart

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

  1. 49% of households in Cambridge own their home, against 72% in Guernsey County.

  2. Cambridge has the 12th lowest typical household income of the 292 cities in Ohio with more than 5,000 people ($42,946).

  3. The typical home in Cambridge is worth $121,900, 23% less than in Guernsey County as a whole ($157,700).

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

The homes here

Housing in Cambridge

What homes there are in Cambridge, 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 houses are the majority in Cambridge (64%), but less so than in Guernsey County (75%).

Year built

In Cambridge, half of the homes were built before 1955; in Guernsey County, before 1972.

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
Monthly rent with utilities

About 67% of rented homes in Cambridge cost less than HUD's 2-bedroom fair market rent for Guernsey County ($1,003).

With a mortgage

$1,016 a month

Guernsey County: $1,237 a month

Without a mortgage

$459 a month

Guernsey County: $505 a month

Owners with a mortgage

58%

Guernsey County: 53%

Owning costs less in Cambridge: with a mortgage, the typical cost is $1,016 a month; in Guernsey County, $1,237. Without one, $459.

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

From 2015–2019 to 2020–2024, home values in Cambridge rose at about the same pace as in Guernsey County: 37% against 38%.

The typical rent in Cambridge rose 21% over the same time; in Guernsey County, it rose 29%.

To compare: typical income in Cambridge rose 30%; the home, +37%; the rent, +21%.

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

MeasureCambridgeGuernsey CountyOhioUnited States
Rental vacancy Unreliable estimate9.2%4.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.9%1.5%3.4%
People per household 1.952.312.372.53
Drive alone 87%82%75%69%
Carpool 8%11%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home Unreliable estimate4%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 1.95 on average, against 2.31 in Guernsey County.

The car rules in Cambridge: 87% of workers drive to work alone, and the typical trip takes 10 to 19 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

Do the math

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

A typical home is tight for the typical income

We start with a typical home in Cambridge, worth $121,900, 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 Cambridge, which is $42,946 a year. For that payment to be 28% of income, a household would need to earn about $45,028 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Cambridge. 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 $4,267 (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

$1,051

at 7.18% · 30 years

Loan amount
$119,692
Total interest
$172,208
Paid off in
November 2056

Includes $2,059 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,002 a month

  • Tight

    $1,002 to $1,288 a month

    Your payment · 29%

  • Hard

    more than $1,288 a month

Compared with the typical household income in Cambridge ($42,946 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,051
Principal & interest$811
Property tax$135
Home insurance$51
FHA mortgage insurance (MIP)$54

You need at least $4,267 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

Cambridge and Guernsey County

Cambridge is in Guernsey 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).

Cambridge's own numbers

Typical home value
$121,900
Typical monthly rent
$788
Typical yearly household income
$42,946
Households that own their home
49%
Effective property tax rate
1.33%

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

Numbers for all of Guernsey 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)
+50%
Homes in a high flood-risk zone
2.9%

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 Guernsey County.

Everything about Guernsey County

Buying

Buying a home in Cambridge

A typical home in Cambridge is worth $121,900: 23% below the county and 43% below Ohio. With the typical household income in Cambridge ($42,946 a year), a typical home costs 2.8 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.

  • Cambridge 2.8 years
  • Guernsey 2.7 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Guernsey County

According to FHFA’s house price index, home prices in Guernsey County rose 73% in the 10 years through 2025.

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

Period County Ohio U.S.
Last year (2025) +7.8% +4.8% +2.9%
5 years (2020–2025) +50% +53% +47%
10 years (2015–2025) +73% +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

Cambridge next to Guernsey 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
  • Cambridge $121,900
  • Guernsey $157,700
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Cambridge $788
  • Guernsey $864
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Cambridge $42,946
  • Guernsey $58,478
  • Ohio $71,389
  • United States $80,734
See the full table
Cambridge next to Guernsey County and Ohio
Measure Cambridge Guernsey County Ohio U.S.
Typical home value $121,900 $157,700 $214,800 $332,700
Typical monthly rent $788 $864 $1,034 $1,413
Typical yearly household income $42,946 $58,478 $71,389 $80,734
Households that own their home 49% 72% 67% 65%
Typical yearly property tax $1,619 $1,593 $2,822 $3,119
Effective property tax rate 1.33% 1.01% 1.31% 0.94%
Renters with high rent for their income 49% 47% 46% 51%

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

For a typical $121,900 home in Cambridge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cambridge's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,051a month

    Least cash to close
    Down payment
    $4,267
    Cash to close
    $7,924
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $54

  • Conventional, 5% down $1,028a month

    Down payment
    $6,095
    Cash to close
    $9,752
    Rate
    7.18%
    Mortgage insurance
    PMI · $58

  • Conventional, 20% down, no PMI $847a month

    Down payment
    $24,380
    Cash to close
    $28,037
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $959a month

    Down payment
    $18,285
    Cash to close
    $21,942
    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 Cambridge and for Guernsey County.

Property tax

Effective rate in Cambridge

1.33%of the home’s value each year

$1,619 a year for the typical owner in Cambridge.

  • Cambridge 1.33%
  • Guernsey 1.01%
  • 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 Guernsey County

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

Homes in the high-risk zone
2.9%
627
Of those, with NFIP insurance
12%
County Ohio U.S.
Homes in the high-risk zone 2.9% 1.7% 3.5%
Of those, with NFIP insurance 12% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cambridge

Typical rent in Cambridge is $788 a month: 9% below the county. In Cambridge, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Guernsey 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 Guernsey 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 $762 $14.65 $30,480
1 bedroom $767 $14.75 $30,680
2 bedrooms $1,003 $19.29 $40,120
3 bedrooms $1,339 $25.75 $53,560
4 bedrooms $1,621 $31.17 $64,840

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 Cambridge

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cambridge is in ZIP code 43725.

For 2 bedrooms it is $1,000: $3 less than the fair market rent for Guernsey County ($1,003).

  • 43725 $1,000$1,340

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cambridge 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 Cambridge

HUD lists 10 buildings with rents for lower incomes in Cambridge. These are the largest.

  • Pine Knoll 1100 Maple Ct, Cambridge 43725 181 homes, 179 low-income · Run by Cambridge Metropolitan Housing Authority · Average payment: $450 a month · Average wait: 5 months (740) 439-6651
  • Cambridge Heights Apts 1525 Elm St, Cambridge 43725 65 low-income homes · 1 bd: 63 · 2 bd: 2 · In service since 2008 · For older adults (740) 432-8493
  • Cambridge Village Apartments 220 Columbia Ct, Cambridge 43725 60 low-income homes · 1 bd: 6 · 2 bd: 36 · 3 bd: 14 · 4 bd: 4 · In service since 2018 · For families (740) 439-6613
  • Mayor Estate 1481 Wills Creek Valley Dr, Cambridge 43725 60 low-income homes · 2 bd: 36 · 3 bd: 24 · In service since 1997
  • Houston Hills 400 Huston Hills Dr, Cambridge 43725 50 low-income homes · 2 bd: 6 · 3 bd: 16 · 4 bd: 28 · In service since 2006 · For people with disabilities

See all 13 buildings in Guernsey County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cambridge

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

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Cambridge

No down payment, repair or rent-help program on our list is for Cambridge or Guernsey County. The ones below are statewide in Ohio: they work in Cambridge 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 Cambridge

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

  • Community Building Partnership of Stark County, Inc.

    400 Market Ave N, Canton · 55 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (330) 458-0962

  • Apprisen - Canton

    2800 Market Ave N Ste 18, Canton · 57 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 355-2227

  • Apprisen - CCCS of Central Ohio, Inc.

    700 Taylor Rd Ste 190, Gahanna · 67 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (614) 552-2222

All counseling agencies in Ohio

Help in Spanish near Cambridge

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 Cambridge

HUD’s record names them for Cambridge or Guernsey County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Cambridge Metropolitan Housing Authority Public housing and Section 8 vouchers (740) 439-6651

2 other authorities have an office in Guernsey County: see the list Source: HUD

Cities

Nearby cities

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

Everything about Guernsey County Housing in Ohio

Neighboring counties

If Guernsey 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 Cambridge.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Cambridge

Short answers with the numbers for Cambridge and all of Guernsey 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 Cambridge?

The typical home value in Cambridge is $121,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Guernsey County it is $157,700.

How much does it cost to rent in Cambridge?

Typical rent in Cambridge is $788 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Guernsey County is $1,003.

What is the FHA loan limit in Cambridge?

Cambridge uses the FHA limit for all of Guernsey 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 Cambridge?

The typical homeowner in Cambridge pays $1,619 a year, according to the U.S. Census Bureau. That is 1.33% of the home’s value; in Guernsey County, the rate is 1.01%.

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

We found no HUD-approved counseling agencies with an office in Guernsey 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).