In Carlisle, a typical home is worth $207,100 and typical rent is $962 a month. Compared with all of Warren County, the typical home value is 41% lower and typical household income is 35% lower.
Typical home value from Zillow, September 2021 to September 2026: from $207,276 to $287,473.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Carlisle is in Warren 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 Warren County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Carlisle is worth $207,100,41% less than in Warren County as a whole ($349,400).
2
The typical household income in Carlisle is $71,136,35% less than in Warren County as a whole ($110,132).
3
The typical rent in Carlisle is $962 a month, 29% less than in Warren County as a whole ($1,361).
4
Nearby, in Middletown, the typical home value is $164,400: 21% less than in Carlisle ($207,100).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Carlisle
What homes there are in Carlisle, 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
Carlisle
Warren County
Ohio
United States
Kind of home: Carlisle and its comparisons
Measure
Carlisle
Warren County
Ohio
United States
Detached house
79%
77%
69%
61%
Attached house
Unreliable estimate
7%
5%
6%
Building of 2 to 4
Unreliable estimate
5%
8%
8%
Apartments (5 or more)
Unreliable estimate
11%
15%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Carlisle, 8 in 10 homes are single-family detached houses, about the same as in Warren County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Carlisle
Warren County
Ohio
United States
Year built: Carlisle and its comparisons
Measure
Carlisle
Warren County
Ohio
United States
Before 1960
11%
14%
38%
26%
1960–1979
43%
18%
26%
24%
1980–1999
17%
29%
20%
25%
2000–2009
11%
22%
10%
14%
2010 or later
18%
17%
7%
11%
In Carlisle, half of the homes were built before 1978; in Warren County, before 1995.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K43%
$200K–$300K34%
$300K–$500K18%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Carlisle and its comparisons
Measure
Carlisle
Under $100K
Unreliable estimate
$100K–$200K
43%
$200K–$300K
34%
$300K–$500K
18%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99947%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Carlisle and its comparisons
Measure
Carlisle
Under $500
Unreliable estimate
$500–$999
47%
$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
$1,514 a month
Warren County: $1,974 a month
Without a mortgage
$547 a month
Warren County: $756 a month
Owners with a mortgage
60%
Warren County: 69%
In Carlisle, 60% of owners have a mortgage, and their typical cost is $1,514 a month, against $1,974 in Warren County. Without one it drops to $547.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Carlisle+46%
Warren County+57%
Ohio+47%
United States+53%
Typical rent
Carlisle+17%
Warren County+28%
Ohio+28%
United States+33%
Typical household income
CarlisleNo clear change
Warren County+26%
Ohio+26%
United States+29%
Change since 2015–2019: Carlisle and its comparisons
Measure
Carlisle
Warren County
Ohio
United States
Typical home value
+46%
+57%
+47%
+53%
Typical rent
+17%
+28%
+28%
+33%
Typical household income
No clear change
+26%
+26%
+29%
Homes in Carlisle gained value more slowly than in Warren County: 46% since 2015–2019, against 57%.
Since 2015–2019, the typical rent in Carlisle rose 17%, less than in Warren County (28%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Carlisle and its comparisons
Measure
Carlisle
Warren County
Ohio
United States
Rental vacancy
Unreliable estimate
5.4%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.3%
1.5%
3.4%
People per household
2.46
2.66
2.37
2.53
Drive alone
85%
74%
75%
69%
Carpool
Unreliable estimate
6%
8%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
Unreliable estimate
19%
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
Households in Carlisle are smaller: 2.46 people on average; in Warren County, 2.66.
To get to work, 85% of workers in Carlisle drive alone; in Warren County, 74%.
Do the math
What would you pay each month for a home in Carlisle?
A typical home is tight for the typical income
We start with a typical home in Carlisle, worth $207,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Carlisle, which is $71,136 a year. For that payment to be 28% of income, a household would need to earn about $75,094 a year.
The calculator's FHA and conventional loan limits are those of all of Warren 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 Carlisle. 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 $7,249 (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
$1,752
at 7.18% · 30 years
Loan amount
$203,348
Total interest
$292,571
Paid off in
November 2056
Includes $3,497 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,660 a month
Tight
$1,660 to $2,134 a month
Your payment · 30%
Hard
more than $2,134 a month
Compared with the typical household income in Carlisle ($71,136 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,378
Property tax
$197
Home insurance
$86
FHA mortgage insurance (MIP)
$92
You need at least $7,249 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 $1,752; principal and interest $1,378.
The city and its county
Carlisle and Warren County
Carlisle is in Warren 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).
Carlisle
Map of Warren County, Ohio, with Carlisle marked. Around it, the neighboring counties.
Carlisle
Warren County
Other cities with a page
Carlisle's own numbers
Typical home value
$207,100
Typical monthly rent
$962
Typical yearly household income
$71,136
Households that own their home
75%
Effective property tax rate
1.14%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Warren 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)
+60%
Homes in a high flood-risk zone
1.6%
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 Warren County.
A typical home in Carlisle is worth $207,100: 41% below the county and 4% below Ohio. With the typical household income in Carlisle ($71,136 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.
Carlisle2.9 years
Warren3.2 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Warren County
According to FHFA’s house price index, home prices in Warren County rose 103% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Warren County.
Yearly change in FHFA’s price index in Warren County, 2016 to 2025
2016: +4.2% +4.2% 2016
2017: +4.8% +4.8% 2017
2018: +5.9% +5.9% 2018
2019: +5.5% +5.5% 2019
2020: +4.2% +4.2% 2020
2021: +11.3% +11.3% 2021
2022: +17.1% +17.1% 2022
2023: +8.5% +8.5% 2023
2024: +8.8% +8.8% 2024
2025: +4.0% +4.0% 2025
Change in FHFA’s price index in Warren County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+4.0%
+4.8%
+2.9%
5 years (2020–2025)
+60%
+53%
+47%
10 years (2015–2025)
+103%
+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
Carlisle next to Warren 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
Carlisle$207,100
Warren$349,400
Ohio$214,800
United States$332,700
Typical monthly rent
Carlisle$962
Warren$1,361
Ohio$1,034
United States$1,413
Typical yearly household income
Carlisle$71,136
Warren$110,132
Ohio$71,389
United States$80,734
See the full table
Carlisle next to Warren County and Ohio
Measure
Carlisle
Warren County
Ohio
U.S.
Typical home value
$207,100 ▼41% below the county
$349,400
$214,800
$332,700
Typical monthly rent
$962 ▼29% below the county
$1,361
$1,034
$1,413
Typical yearly household income
$71,136 ▼35% below the county
$110,132
$71,389
$80,734
Households that own their home
75% ▼4 points below the county
79%
67%
65%
Typical yearly property tax
$2,363 ▼44% below the county
$4,199
$2,822
$3,119
Effective property tax rate
1.14% ▼0.06 points below the county
1.2%
1.31%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Warren 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 Carlisle
For a typical $207,100 home in Carlisle, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Carlisle's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,752a month
Least cash to close
Down payment
$7,249
Cash to close
$13,462
Rate
7.18%
Mortgage insurance
FHA MIP · $92
Conventional, 5% down$1,714a month
Down payment
$10,355
Cash to close
$16,568
Rate
7.18%
Mortgage insurance
PMI · $98
Conventional, 20% down, no PMI$1,405a month
Down payment
$41,420
Cash to close
$47,633
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,597a month
Down payment
$31,065
Cash to close
$37,278
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Carlisle
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,752
$7,249
$203,349
7.18%
FHA MIP · $92
$13,462
580
Conventional, 5% down
$1,714
$10,355
$196,745
7.18%
PMI · $98
$16,568
620*
Conventional, 20% down, no PMI
$1,405
$41,420
$165,680
7.18%
None
$47,633
620*
ITIN, 15% down (example)
$1,597
$31,065
$176,035
8.18%
None
$37,278
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 Carlisle is $962 a month: 29% below the county.
HUD publishes a fair market rent for all of Warren 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 Warren 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 Carlisle
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Carlisle is in ZIP code 45005.
For 2 bedrooms it is $1,350: $92 less than the fair market rent for Warren County ($1,442).
Fair market rent by ZIP code and size in Carlisle, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
45005
$980
$1,060
$1,350
$1,780
$2,000
ZIP code2 bd3 bd
45005 $1,350$1,780
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Carlisle 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 Warren 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 Carlisle or Warren County. The ones below are statewide in Ohio: they work in Carlisle 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 Carlisle or Warren 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 Carlisle and all of Warren 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 Carlisle?
The typical home value in Carlisle is $207,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Warren County it is $349,400.
How much does it cost to rent in Carlisle?
Typical rent in Carlisle is $962 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Warren County is $1,442.
What is the FHA loan limit in Carlisle?
Carlisle uses the FHA limit for all of Warren 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 Carlisle?
The typical homeowner in Carlisle pays $2,363 a year, according to the U.S. Census Bureau. That is 1.14% of the home’s value; in Warren County, the rate is 1.2%.
Where can I find free help to buy or rent in Carlisle?
We found no HUD-approved counseling agencies with an office in Warren County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
