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City · 14,142 residents · Pickaway County, Ohio

Circleville , Ohio

In Circleville, a typical home is worth $191,700 and typical rent is $955 a month. Compared with all of Pickaway County, the typical home value is 25% lower, typical household income is 19% lower, and the share of households that own their home is 18 points lower.

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  • Typical home value

    $191,700

    25% below the county

    11% below Ohio

    • Circleville
    • Pickaway
    • Ohio

  • Typical rent

    $955a month

    6% below the county

    8% below Ohio

    • Circleville
    • Pickaway
    • Ohio

  • Typical household income

    $60,296a year

    19% below the county

    16% below Ohio

    • Circleville
    • Pickaway
    • Ohio

  • Households that own their home

    56%

    18 points below the county

    11 points below Ohio

    • Circleville
    • Pickaway
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$292,079
2.7% more than 12 months ago

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

Circleville is in Pickaway County. The FHA loan limit ($591,100 for a one-unit home), the fair market rents and the help on this page are those of all of Pickaway County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Circleville apart

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

  1. 56% of households in Circleville own their home, against 74% in Pickaway County.

  2. The typical home in Circleville is worth $191,700, 25% less than in Pickaway County as a whole ($256,800).

  3. Nearby, in Chillicothe, the typical home value is $162,500: 15% less than in Circleville ($191,700).

  4. The typical household income in Circleville is $60,296, 19% less than in Pickaway County as a whole ($74,040).

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

The homes here

Housing in Circleville

What homes there are in Circleville, 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

The detached house is still the most common home in Circleville, but it weighs less than in Pickaway County: 67% against 79%.

Year built

Homes in Circleville are older: the typical year built is 1964; in Pickaway County, 1978.

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

The FHA limit for Pickaway County is high ($591,100): at least 98% of owner-occupied homes in Circleville are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,357 a month

Pickaway County: $1,715 a month

Without a mortgage

$555 a month

Pickaway County: $609 a month

Owners with a mortgage

52%

Pickaway County: 62%

Owning costs less in Circleville: with a mortgage, the typical cost is $1,357 a month; in Pickaway County, $1,715. Without one, $555.

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, the typical home value in Circleville rose 54%; in Pickaway County, it rose 57%.

Since 2015–2019, the typical rent in Circleville rose 21%, less than in Pickaway County (26%).

To compare: typical income in Circleville rose 43%; the home, +54%; 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

MeasureCirclevillePickaway 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 estimate2.0%1.5%3.4%
People per household 2.332.562.372.53
Drive alone 76%75%75%69%
Carpool 13%10%8%9%
Public transit 0%Unreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 9%14%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Circleville has 2.33 people, fewer than in Pickaway County (2.56).

More people carpool to work in Circleville than in Pickaway County: 13% against 10%.

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 Circleville?

A typical home is tight for the typical income

We start with a typical home in Circleville, worth $191,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Circleville, which is $60,296 a year. For that payment to be 28% of income, a household would need to earn about $69,373 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Circleville. 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 $6,710 (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

$1,619

at 7.18% · 30 years

Loan amount
$188,227
Total interest
$270,815
Paid off in
November 2056

Includes $3,237 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,407 a month

  • Tight

    $1,407 to $1,809 a month

    Your payment · 32%

  • Hard

    more than $1,809 a month

Compared with the typical household income in Circleville ($60,296 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,619
Principal & interest$1,275
Property tax$179
Home insurance$80
FHA mortgage insurance (MIP)$85

You need at least $6,710 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

Circleville and Pickaway County

Circleville is in Pickaway 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).

Circleville's own numbers

Typical home value
$191,700
Typical monthly rent
$955
Typical yearly household income
$60,296
Households that own their home
56%
Effective property tax rate
1.12%

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

Numbers for all of Pickaway County

FHA limit, one-unit home
$591,100
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,602
Price change over 5 years (FHFA)
+51%
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 Pickaway County.

Everything about Pickaway County

Buying

Buying a home in Circleville

A typical home in Circleville is worth $191,700: 25% below the county and 11% below Ohio. With the typical household income in Circleville ($60,296 a year), a typical home costs 3.2 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.

  • Circleville 3.2 years
  • Pickaway 3.5 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Pickaway County

According to FHFA’s house price index, home prices in Pickaway County rose 98% in the 10 years through 2025.

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

Period County Ohio U.S.
Last year (2025) +5.2% +4.8% +2.9%
5 years (2020–2025) +51% +53% +47%
10 years (2015–2025) +98% +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

Circleville next to Pickaway 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
  • Circleville $191,700
  • Pickaway $256,800
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Circleville $955
  • Pickaway $1,020
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Circleville $60,296
  • Pickaway $74,040
  • Ohio $71,389
  • United States $80,734
See the full table
Circleville next to Pickaway County and Ohio
Measure Circleville Pickaway County Ohio U.S.
Typical home value $191,700 $256,800 $214,800 $332,700
Typical monthly rent $955 $1,020 $1,034 $1,413
Typical yearly household income $60,296 $74,040 $71,389 $80,734
Households that own their home 56% 74% 67% 65%
Typical yearly property tax $2,154 $2,566 $2,822 $3,119
Effective property tax rate 1.12% 1% 1.31% 0.94%
Renters with high rent for their income 43% 43% 46% 51%

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

For a typical $191,700 home in Circleville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Circleville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,619a month

    Least cash to close
    Down payment
    $6,710
    Cash to close
    $12,461
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $85

  • Conventional, 5% down $1,584a month

    Down payment
    $9,585
    Cash to close
    $15,336
    Rate
    7.18%
    Mortgage insurance
    PMI · $91

  • Conventional, 20% down, no PMI $1,298a month

    Down payment
    $38,340
    Cash to close
    $44,091
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,475a month

    Down payment
    $28,755
    Cash to close
    $34,506
    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 Circleville and for Pickaway County.

Property tax

Effective rate in Circleville

1.12%of the home’s value each year

$2,154 a year for the typical owner in Circleville.

  • Circleville 1.12%
  • Pickaway 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 Pickaway County

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

Homes in the high-risk zone
1.6%
367
Of those, with NFIP insurance
13%
County Ohio U.S.
Homes in the high-risk zone 1.6% 1.7% 3.5%
Of those, with NFIP insurance 13% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Circleville

Typical rent in Circleville is $955 a month: 6% below the county. In Circleville, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Pickaway County, by unit size. To pay the 2-bedroom one ($1,602 a month) without spending more than 30% of your income, you would need to earn $30.81 an hour working full time.

HUD fair market rent for all of Pickaway 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 $1,258 $24.19 $50,320
1 bedroom $1,346 $25.88 $53,840
2 bedrooms $1,602 $30.81 $64,080
3 bedrooms $1,909 $36.71 $76,360
4 bedrooms $2,172 $41.77 $86,880

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 Circleville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Circleville is in ZIP code 43113.

For 2 bedrooms it is $1,230: $372 less than the fair market rent for Pickaway County ($1,602).

  • 43113 $1,230$1,470

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

HUD lists 7 buildings with rents for lower incomes in Circleville. These are the largest.

  • Unnamed 176 Rustic Dr, Circleville 43113 108 low-income homes · Run by Pickaway Metropolitan Housing Authority · Average payment: $453 a month · Average wait: 28 months · Homes at several sites (740) 477-2514
  • Pickaway Terrace 2175 Arapaho Dr, Circleville 43113 60 low-income homes · For older adults (740) 474-8700
  • Kingston Mound Manor II 900 Whitney Ave, Circleville 43113 50 low-income homes · 3 bd: 50 · In service since 2009 · For older adults
  • Kingston Mound Manor 1585 Arrowhead Ct, Circleville 43113 47 low-income homes · 3 bd: 47 · In service since 2006 · For people with disabilities
  • Eden Place 1175 Atwater Ave, Circleville 43113 40 low-income homes · For older adults (740) 477-3181

See all 14 buildings in Pickaway County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Circleville

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 Pickaway 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 Circleville

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

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

  • Nid-Hca Franklin County-Glenn

    35 E Gay St Suite 504, Columbus · 25 miles away

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

  • Columbus Urban League

    788 Mount Vernon Ave, Columbus · 26 miles away

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

  • Homes on the Hill

    3659 Soldano Blvd, Columbus · 26 miles away

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

All counseling agencies in Ohio

Help in Spanish near Circleville

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 Circleville

In HUD’s record, no housing authority with an office in Pickaway County is named for Circleville or Pickaway County.

One other authority has an office in Pickaway County: see the list Source: HUD

Cities

Nearby cities

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

Everything about Pickaway County Housing in Ohio

Neighboring counties

If Pickaway 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 Circleville.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Circleville

Short answers with the numbers for Circleville and all of Pickaway 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 Circleville?

The typical home value in Circleville is $191,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Pickaway County it is $256,800.

How much does it cost to rent in Circleville?

Typical rent in Circleville is $955 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Pickaway County is $1,602.

What is the FHA loan limit in Circleville?

Circleville uses the FHA limit for all of Pickaway County (2026): $591,100 for a one-unit home and $1,136,750 for a four-unit home.

How much property tax do owners pay in Circleville?

The typical homeowner in Circleville pays $2,154 a year, according to the U.S. Census Bureau. That is 1.12% of the home’s value; in Pickaway County, the rate is 1%.

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

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