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City · 21,902 residents · Ross County, Ohio

Chillicothe , Ohio

In Chillicothe, a typical home is worth $162,500 and typical rent is $887 a month. Compared with all of Ross County, typical household income is 12% lower, the typical home value is 5% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $162,500

    5% below the county

    24% below Ohio

    • Chillicothe
    • Ross
    • Ohio

  • Typical rent

    $887a month

    2% below the county

    14% below Ohio

    • Chillicothe
    • Ross
    • Ohio

  • Typical household income

    $54,086a year

    12% below the county

    24% below Ohio

    • Chillicothe
    • Ross
    • Ohio

  • Households that own their home

    60%

    9 points below the county

    7 points below Ohio

    • Chillicothe
    • Ross
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$201,507
3.9% more than 12 months ago
Typical rent
$1,026 a month

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

Chillicothe is in Ross 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 Ross County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Chillicothe apart

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

  1. Nearby, in Wellston, the typical home value is $124,000: 24% less than in Chillicothe ($162,500).

  2. 60% of households in Chillicothe own their home, against 70% in Ross County.

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

The homes here

Housing in Chillicothe

What homes there are in Chillicothe, 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

As in Ross County, most homes in Chillicothe are detached houses (71%).

Year built

Homes in Chillicothe are older: the typical year built is 1957; in Ross County, 1974.

Homes in Chillicothe are smaller: 51% have 3 bedrooms or more; in Ross County, 62%.

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 Chillicothe are worth less than $500,000, below the FHA loan limit for Ross County ($541,287).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Ross County is $1,093; about 71% of rents in Chillicothe are below it.

With a mortgage

$1,253 a month

Ross County: $1,304 a month

Without a mortgage

$483 a month

Ross County: $487 a month

Owners with a mortgage

54%

Ross County: 55%

The typical cost for an owner with a mortgage in Chillicothe is $1,253 a month, near the figure in Ross County ($1,304).

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

Much as in Ross County, the typical home value in Chillicothe rose 39% since 2015–2019.

The typical rent in Chillicothe rose 17% over the same time; in Ross County, it rose 22%.

While home values in Chillicothe changed +39% and rent +17%, the typical household income rose 22%.

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

MeasureChillicotheRoss 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 estimate1.3%1.5%3.4%
People per household 2.172.392.372.53
Drive alone 84%83%75%69%
Carpool 7%10%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 4%1%2%3%
Work from home 5%5%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Chillicothe are smaller: 2.17 people on average; in Ross County, 2.39.

In Chillicothe, 84% of workers drive alone to work; in Ross County, 83%.

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 Chillicothe?

A typical home is tight for the typical income

We start with a typical home in Chillicothe, worth $162,500, 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 Chillicothe, which is $54,086 a year. For that payment to be 28% of income, a household would need to earn about $58,226 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Chillicothe. 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 $5,688 (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

$1,359

at 7.18% · 30 years

Loan amount
$159,556
Total interest
$229,564
Paid off in
November 2056

Includes $2,744 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,262 a month

  • Tight

    $1,262 to $1,623 a month

    Your payment · 30%

  • Hard

    more than $1,623 a month

Compared with the typical household income in Chillicothe ($54,086 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,359
Principal & interest$1,081
Property tax$138
Home insurance$68
FHA mortgage insurance (MIP)$72

You need at least $5,688 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

Chillicothe and Ross County

Chillicothe is in Ross 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).

Chillicothe's own numbers

Typical home value
$162,500
Typical monthly rent
$887
Typical yearly household income
$54,086
Households that own their home
60%
Effective property tax rate
1.02%

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

Numbers for all of Ross County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,093
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
2.1%

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 Ross County.

Everything about Ross County

Buying

Buying a home in Chillicothe

A typical home in Chillicothe is worth $162,500: 5% below the county and 24% below Ohio. With the typical household income in Chillicothe ($54,086 a year), a typical home costs 3.0 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.

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

How prices have changed in Ross County

According to FHFA’s house price index, home prices in Ross County rose 91% in the 10 years through 2025.

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

Period County Ohio U.S.
Last year (2025) +5.1% +4.8% +2.9%
5 years (2020–2025) +54% +53% +47%
10 years (2015–2025) +91% +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

Chillicothe next to Ross 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
  • Chillicothe $162,500
  • Ross $171,500
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Chillicothe $887
  • Ross $906
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Chillicothe $54,086
  • Ross $61,303
  • Ohio $71,389
  • United States $80,734
See the full table
Chillicothe next to Ross County and Ohio
Measure Chillicothe Ross County Ohio U.S.
Typical home value $162,500 $171,500 $214,800 $332,700
Typical monthly rent $887 $906 $1,034 $1,413
Typical yearly household income $54,086 $61,303 $71,389 $80,734
Households that own their home 60% 70% 67% 65%
Typical yearly property tax $1,658 $1,708 $2,822 $3,119
Effective property tax rate 1.02% 1% 1.31% 0.94%
Renters with high rent for their income 48% 48% 46% 51%

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

For a typical $162,500 home in Chillicothe, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Chillicothe's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,359a month

    Least cash to close
    Down payment
    $5,688
    Cash to close
    $10,563
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $72

  • Conventional, 5% down $1,329a month

    Down payment
    $8,125
    Cash to close
    $13,000
    Rate
    7.18%
    Mortgage insurance
    PMI · $77

  • Conventional, 20% down, no PMI $1,086a month

    Down payment
    $32,500
    Cash to close
    $37,375
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,237a month

    Down payment
    $24,375
    Cash to close
    $29,250
    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 Chillicothe and for Ross County.

Property tax

Effective rate in Chillicothe

1.02%of the home’s value each year

$1,658 a year for the typical owner in Chillicothe.

  • Chillicothe 1.02%
  • Ross 1%
  • 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 Ross County

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

Homes in the high-risk zone
2.1%
683
Of those, with NFIP insurance
8.8%
County Ohio U.S.
Homes in the high-risk zone 2.1% 1.7% 3.5%
Of those, with NFIP insurance 8.8% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Chillicothe

Typical rent in Chillicothe is $887 a month: 2% below the county. In Chillicothe, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ross County, by unit size. To pay the 2-bedroom one ($1,093 a month) without spending more than 30% of your income, you would need to earn $21.02 an hour working full time.

HUD fair market rent for all of Ross 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 $868 $16.69 $34,720
1 bedroom $920 $17.69 $36,800
2 bedrooms $1,093 $21.02 $43,720
3 bedrooms $1,399 $26.90 $55,960
4 bedrooms $1,436 $27.62 $57,440

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 Chillicothe

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Chillicothe is in ZIP code 45601.

For 2 bedrooms it is $1,130: $37 more than the fair market rent for Ross County ($1,093).

  • 45601 $1,130$1,450

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

HUD lists 19 buildings with rents for lower incomes in Chillicothe. These are the largest.

  • Tiffin, Sherman, Lincoln,toledo 78 S Walnut St, Chillicothe 45601 130 low-income homes · Run by Chillicothe Metropolitan Housing Authority · Average payment: $330 a month · Average wait: 35 months · Homes at several sites (740) 775-7881
  • Tiffin, Sherman, Lincoln,toledo 101 Sherman Park, Chillicothe 45601 112 low-income homes · Run by Chillicothe Metropolitan Housing Authority · Average payment: $353 a month · Average wait: 31 months · Homes at several sites (740) 775-7881
  • Hopeton Village 153 University Dr, Chillicothe 45601 108 low-income homes · For older adults (740) 773-5220
  • Westland Estates 2441 Anderson Station Rd, Chillicothe 45601 95 low-income homes · Run by Chillicothe Metropolitan Housing Authority · Average payment: $358 a month · Average wait: 28 months (740) 775-7881
  • Scioto Woods Apts II 2097 Western Ave, Chillicothe 45601 84 homes, 72 low-income · 2 bd: 60 · 3 bd: 24 · In service since 2004 · For people with disabilities

See all 24 buildings in Ross County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Chillicothe

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

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Chillicothe

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

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

  • Homes on the Hill

    3659 Soldano Blvd, Columbus · 43 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (614) 275-4663

  • Nid-Hca Franklin County-Glenn

    35 E Gay St Suite 504, Columbus · 43 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (614) 264-2896

  • Columbus Urban League

    788 Mount Vernon Ave, Columbus · 44 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 2 more
    (614) 257-6300

All counseling agencies in Ohio

Help in Spanish near Chillicothe

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 Chillicothe

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

  • Chillicothe Metropolitan Housing Authority Public housing and Section 8 vouchers (740) 775-7881

All housing agencies in Ohio Source: HUD

Cities

Nearby cities

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

Everything about Ross County Housing in Ohio

Neighboring counties

If Ross 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 Chillicothe.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Chillicothe

Short answers with the numbers for Chillicothe and all of Ross 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 Chillicothe?

The typical home value in Chillicothe is $162,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ross County it is $171,500.

How much does it cost to rent in Chillicothe?

Typical rent in Chillicothe is $887 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ross County is $1,093.

What is the FHA loan limit in Chillicothe?

Chillicothe uses the FHA limit for all of Ross 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 Chillicothe?

The typical homeowner in Chillicothe pays $1,658 a year, according to the U.S. Census Bureau. That is 1.02% of the home’s value; in Ross County, the rate is 1%.

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

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