In Celina, a typical home is worth $164,100 and typical rent is $760 a month. Compared with all of Mercer County, the typical home value is 22% lower, typical household income is 18% lower, and the share of households that own their home is 14 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $178,876 to $239,888.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Celina is in Mercer 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 Mercer County. See the county
What this place has that others do not, from public data, most unusual first.
1
Celina has the 13th lowest typical rent of the 285 cities in Ohio with more than 5,000 people ($760).
2
Nearby, in Van Wert, the typical home value is $123,900: 24% less than in Celina ($164,100).
3
66% of households in Celina own their home, against 80% in Mercer County.
4
The typical home in Celina is worth $164,100,22% less than in Mercer County as a whole ($210,600).
5
The typical household income in Celina is $62,849,18% less than in Mercer County as a whole ($76,782).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Celina
What homes there are in Celina, 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
Celina
Mercer County
Ohio
United States
Kind of home: Celina and its comparisons
Measure
Celina
Mercer County
Ohio
United States
Detached house
68%
81%
69%
61%
Attached house
Unreliable estimate
Unreliable estimate
5%
6%
Building of 2 to 4
12%
7%
8%
8%
Apartments (5 or more)
Unreliable estimate
5%
15%
19%
Mobile home
Unreliable estimate
6%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Celina, but it weighs less than in Mercer County: 68% against 81%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Celina
Mercer County
Ohio
United States
Year built: Celina and its comparisons
Measure
Celina
Mercer County
Ohio
United States
Before 1960
40%
36%
38%
26%
1960–1979
26%
22%
26%
24%
1980–1999
18%
22%
20%
25%
2000–2009
11%
12%
10%
14%
2010 or later
5%
8%
7%
11%
Homes in Celina are older: the typical year built is 1969; in Mercer County, 1974.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K19%
$100K–$200K49%
$200K–$300K18%
$300K–$500K10%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Celina and its comparisons
Measure
Celina
Under $100K
19%
$100K–$200K
49%
$200K–$300K
18%
$300K–$500K
10%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 96% of owner-occupied homes in Celina sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99966%
$1,000–$1,49914%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Celina and its comparisons
Measure
Celina
Under $500
Unreliable estimate
$500–$999
66%
$1,000–$1,499
14%
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,198 a month
Mercer County: $1,340 a month
Without a mortgage
$539 a month
Mercer County: $553 a month
Owners with a mortgage
66%
Mercer County: 53%
In Celina, 66% of owners have a mortgage, and their typical cost is $1,198 a month, against $1,340 in Mercer County. Without one it drops to $539.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Celina+39%
Mercer County+37%
Ohio+47%
United States+53%
Typical rent
CelinaNo clear change
Mercer County+18%
Ohio+28%
United States+33%
Typical household income
Celina+32%
Mercer County+22%
Ohio+26%
United States+29%
Change since 2015–2019: Celina and its comparisons
Measure
Celina
Mercer County
Ohio
United States
Typical home value
+39%
+37%
+47%
+53%
Typical rent
No clear change
+18%
+28%
+33%
Typical household income
+32%
+22%
+26%
+29%
The typical home value in Celina rose 39% since 2015–2019, about the same as in Mercer County (37%).
Rent in Celina moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Celina and its comparisons
Measure
Celina
Mercer 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
1.8%
1.5%
3.4%
People per household
2.39
2.56
2.37
2.53
Drive alone
91%
87%
75%
69%
Carpool
Unreliable estimate
6%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
4%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Celina are smaller: 2.39 people on average; in Mercer County, 2.56.
To get to work, 91% of workers in Celina drive alone; in Mercer County, 87%.
Do the math
What would you pay each month for a home in Celina?
A typical home is within reach of the typical income
We start with a typical home in Celina, worth $164,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Celina, which is $62,849 a year.
The calculator's FHA and conventional loan limits are those of all of Mercer 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 Celina. 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 $5,744 (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
$1,387
at 7.18% · 30 years
Loan amount
$161,127
Total interest
$231,824
Paid off in
November 2056
Includes $2,771 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,466 a month
Your payment · 26%
Tight
$1,466 to $1,885 a month
Hard
more than $1,885 a month
Compared with the typical household income in Celina ($62,849 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,092
Property tax
$155
Home insurance
$68
FHA mortgage insurance (MIP)
$73
You need at least $5,744 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 $1,387; principal and interest $1,092.
The city and its county
Celina and Mercer County
Celina is in Mercer 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).
Celina
Map of Mercer County, Ohio, with Celina marked. Around it, the neighboring counties.
Celina
Mercer County
Other cities with a page
Celina's own numbers
Typical home value
$164,100
Typical monthly rent
$760
Typical yearly household income
$62,849
Households that own their home
66%
Effective property tax rate
1.13%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Mercer County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,008
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
1.9%
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 Mercer County.
A typical home in Celina is worth $164,100: 22% below the county and 24% below Ohio. With the typical household income in Celina ($62,849 a year), a typical home costs 2.6 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.
Celina2.6 years
Mercer2.7 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Mercer County
According to FHFA’s house price index, home prices in Mercer County rose 82% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Mercer County.
Yearly change in FHFA’s price index in Mercer County, 2016 to 2025
2016: +4.6% +4.6% 2016
2017: +5.1% +5.1% 2017
2018: +5.5% +5.5% 2018
2019: +5.2% +5.2% 2019
2020: +4.0% +4.0% 2020
2021: +8.6% +8.6% 2021
2022: +15.6% +15.6% 2022
2023: +2.4% +2.4% 2023
2024: +7.9% +7.9% 2024
2025: +3.9% +3.9% 2025
Change in FHFA’s price index in Mercer County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+3.9%
+4.8%
+2.9%
5 years (2020–2025)
+44%
+53%
+47%
10 years (2015–2025)
+82%
+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
Celina next to Mercer 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
Celina$164,100
Mercer$210,600
Ohio$214,800
United States$332,700
Typical monthly rent
Celina$760
Mercer$804
Ohio$1,034
United States$1,413
Typical yearly household income
Celina$62,849
Mercer$76,782
Ohio$71,389
United States$80,734
See the full table
Celina next to Mercer County and Ohio
Measure
Celina
Mercer County
Ohio
U.S.
Typical home value
$164,100 ▼22% below the county
$210,600
$214,800
$332,700
Typical monthly rent
$760 ▼5% below the county
$804
$1,034
$1,413
Typical yearly household income
$62,849 ▼18% below the county
$76,782
$71,389
$80,734
Households that own their home
66% ▼14 points below the county
80%
67%
65%
Typical yearly property tax
$1,848 ▼21% below the county
$2,325
$2,822
$3,119
Effective property tax rate
1.13% ▲0.03 points above the county
1.1%
1.31%
0.94%
Renters with high rent for their income
39% ▲2 points above the county
37%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Mercer 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 Celina
For a typical $164,100 home in Celina, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Celina's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,387a month
Least cash to close
Down payment
$5,744
Cash to close
$10,667
Rate
7.18%
Mortgage insurance
FHA MIP · $73
Conventional, 5% down$1,357a month
Down payment
$8,205
Cash to close
$13,128
Rate
7.18%
Mortgage insurance
PMI · $78
Conventional, 20% down, no PMI$1,112a month
Down payment
$32,820
Cash to close
$37,743
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,264a month
Down payment
$24,615
Cash to close
$29,538
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Celina
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,387
$5,744
$161,128
7.18%
FHA MIP · $73
$10,667
580
Conventional, 5% down
$1,357
$8,205
$155,895
7.18%
PMI · $78
$13,128
620*
Conventional, 20% down, no PMI
$1,112
$32,820
$131,280
7.18%
None
$37,743
620*
ITIN, 15% down (example)
$1,264
$24,615
$139,485
8.18%
None
$29,538
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 Celina is $760 a month: 5% below the county. In Celina, 39% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Mercer County, by unit size. To pay the 2-bedroom one ($1,008 a month) without spending more than 30% of your income, you would need to earn $19.38 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 Mercer County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$762
$14.65
$30,480
1 bedroom
$807
$15.52
$32,280
2 bedrooms
$1,008
$19.38
$40,320
3 bedrooms
$1,258
$24.19
$50,320
4 bedrooms
$1,394
$26.81
$55,760
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 Celina
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Celina is in ZIP code 45822.
For 2 bedrooms it is $1,030: $22 more than the fair market rent for Mercer County ($1,008).
Fair market rent by ZIP code and size in Celina, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
45822
$780
$820
$1,030
$1,290
$1,510
ZIP code2 bd3 bd
45822 $1,030$1,290
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Celina 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 7 buildings with rents for lower incomes in Celina. These are the largest.
Williamsburg Square1400 W Market St, Celina 4582271 low-income homes · 2 bd: 47 · 3 bd: 20 · 4 bd: 4 · In service since 2005 · For families(419) 586-2850
Meadows at Grand Lake1400 Meadowview Dr, Celina 4582259 low-income homes · 2 bd: 25 · 3 bd: 34 · In service since 1999 · For older adults
Eastown Village Apts812 Pro Dr, Celina 4582248 low-income homes · In service since 1991
Mackinaw Retirement Village500 W Wayne St, Celina 4582232 low-income homes · 1 bd: 16 · 2 bd: 16 · In service since 2010 · For older adults
Celina Gardens710 Devonshire Dr, Celina 4582232 homes, 31 low-income · 2 bd: 16 · 3 bd: 12 · 4 bd: 4 · In service since 2007 · For families(419) 586-6311
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 Mercer 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 Celina or Mercer County. The ones below are statewide in Ohio: they work in Celina 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 Celina or Mercer 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 Celina and all of Mercer 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 Celina?
The typical home value in Celina is $164,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Mercer County it is $210,600.
How much does it cost to rent in Celina?
Typical rent in Celina is $760 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Mercer County is $1,008.
What is the FHA loan limit in Celina?
Celina uses the FHA limit for all of Mercer 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 Celina?
The typical homeowner in Celina pays $1,848 a year, according to the U.S. Census Bureau. That is 1.13% of the home’s value; in Mercer County, the rate is 1.1%.
Where can I find free help to buy or rent in Celina?
We found no HUD-approved counseling agencies with an office in Mercer County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
