In Columbiana, a typical home is worth $191,700 and typical rent is $702 a month. Compared with all of Columbiana County, the typical home value is 26% higher, typical rent is 7% lower, and the share of households that own their home is 11 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $190,855 to $256,503.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Columbiana is in Columbiana 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 Columbiana County. See the county
What this place has that others do not, from public data, most unusual first.
1
Columbiana has the 4th lowest typical rent of the 285 cities in Ohio with more than 5,000 people ($702).
2
Nearby, in Campbell, the typical home value is $82,300: 57% less than in Columbiana ($191,700).
3
The typical home in Columbiana is worth $191,700,26% more than in Columbiana County as a whole ($151,600).
4
62% of households in Columbiana own their home, against 73% in Columbiana County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Columbiana
What homes there are in Columbiana, 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
Columbiana
Columbiana County
Ohio
United States
Kind of home: Columbiana and its comparisons
Measure
Columbiana
Columbiana County
Ohio
United States
Detached house
44%
73%
69%
61%
Attached house
Unreliable estimate
3%
5%
6%
Building of 2 to 4
15%
9%
8%
8%
Apartments (5 or more)
Unreliable estimate
6%
15%
19%
Mobile home
Unreliable estimate
9%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Columbiana there is a bit of everything: no kind of home reaches half. The most common are detached houses (44%); in Columbiana County, 73%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Columbiana
Columbiana County
Ohio
United States
Year built: Columbiana and its comparisons
Measure
Columbiana
Columbiana County
Ohio
United States
Before 1960
30%
46%
38%
26%
1960–1979
22%
26%
26%
24%
1980–1999
19%
17%
20%
25%
2000–2009
22%
9%
10%
14%
2010 or later
7%
3%
7%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K20%
$100K–$200K34%
$200K–$300K23%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Columbiana and its comparisons
Measure
Columbiana
Under $100K
20%
$100K–$200K
34%
$200K–$300K
23%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99968%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Columbiana and its comparisons
Measure
Columbiana
Under $500
Unreliable estimate
$500–$999
68%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,343 a month
Columbiana County: $1,195 a month
Without a mortgage
$515 a month
Columbiana County: $462 a month
Owners with a mortgage
60%
Columbiana County: 51%
In Columbiana, 60% of owners have a mortgage, and their typical cost is $1,343 a month, against $1,195 in Columbiana County. Without one it drops to $515.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Columbiana+29%
Columbiana County+39%
Ohio+47%
United States+53%
Typical rent
Columbiana+20%
Columbiana County+14%
Ohio+28%
United States+33%
Typical household income
ColumbianaNo clear change
Columbiana County+20%
Ohio+26%
United States+29%
Change since 2015–2019: Columbiana and its comparisons
Measure
Columbiana
Columbiana County
Ohio
United States
Typical home value
+29%
+39%
+47%
+53%
Typical rent
+20%
+14%
+28%
+33%
Typical household income
No clear change
+20%
+26%
+29%
The typical home value in Columbiana rose 29% since 2015–2019, less than in Columbiana County (39%).
The typical rent in Columbiana rose 20% over the same time; in Columbiana County, it rose 14%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Columbiana and its comparisons
Measure
Columbiana
Columbiana County
Ohio
United States
Rental vacancy
Unreliable estimate
2.9%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.4%
1.5%
3.4%
People per household
1.94
2.35
2.37
2.53
Drive alone
79%
81%
75%
69%
Carpool
Unreliable estimate
10%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
Unreliable estimate
6%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 1.94 on average, against 2.35 in Columbiana County.
To get to work, 79% of workers in Columbiana drive alone; in Columbiana County, 81%.
Do the math
What would you pay each month for a home in Columbiana?
A typical home is tight for the typical income
We start with a typical home in Columbiana, worth $191,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Columbiana, which is $54,688 a year. For that payment to be 28% of income, a household would need to earn about $68,414 a year.
The calculator's FHA and conventional loan limits are those of all of Columbiana 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 Columbiana. 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 $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.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,596
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 $1,276 a month
Tight
$1,276 to $1,641 a month
Your payment · 35%
Hard
more than $1,641 a month
Compared with the typical household income in Columbiana ($54,688 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,275
Property tax
$157
Home insurance
$80
FHA mortgage insurance (MIP)
$85
You need at least $6,710 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 $1,596; principal and interest $1,275.
The city and its county
Columbiana and Columbiana County
Columbiana is in Columbiana 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).
Columbiana
Map of Columbiana County, Ohio, with Columbiana marked. Around it, the neighboring counties.
Columbiana
Columbiana County
Other cities with a page
Columbiana's own numbers
Typical home value
$191,700
Typical monthly rent
$702
Typical yearly household income
$54,688
Households that own their home
62%
Effective property tax rate
0.98%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Columbiana 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)
+48%
Homes in a high flood-risk zone
1.1%
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 Columbiana County.
A typical home in Columbiana is worth $191,700: 26% above the county and 11% below Ohio. With the typical household income in Columbiana ($54,688 a year), a typical home costs 3.5 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.
Columbiana3.5 years
County2.6 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Columbiana County
According to FHFA’s house price index, home prices in Columbiana County rose 77% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Columbiana County.
Yearly change in FHFA’s price index in Columbiana County, 2016 to 2025
2016: +1.3% +1.3% 2016
2017: +5.5% +5.5% 2017
2018: +3.5% +3.5% 2018
2019: +4.8% +4.8% 2019
2020: +3.2% +3.2% 2020
2021: +9.1% +9.1% 2021
2022: +11.4% +11.4% 2022
2023: +8.6% +8.6% 2023
2024: +9.6% +9.6% 2024
2025: +2.4% +2.4% 2025
Change in FHFA’s price index in Columbiana County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+2.4%
+4.8%
+2.9%
5 years (2020–2025)
+48%
+53%
+47%
10 years (2015–2025)
+77%
+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
Columbiana next to Columbiana 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
Columbiana$191,700
County$151,600
Ohio$214,800
United States$332,700
Typical monthly rent
Columbiana$702
County$756
Ohio$1,034
United States$1,413
Typical yearly household income
Columbiana$54,688
County$58,180
Ohio$71,389
United States$80,734
See the full table
Columbiana next to Columbiana County and Ohio
Measure
Columbiana
Columbiana County
Ohio
U.S.
Typical home value
$191,700 ▲26% above the county
$151,600
$214,800
$332,700
Typical monthly rent
$702 ▼7% below the county
$756
$1,034
$1,413
Typical yearly household income
$54,688 ▼6% below the county
$58,180
$71,389
$80,734
Households that own their home
62% ▼11 points below the county
73%
67%
65%
Typical yearly property tax
$1,879 ▲23% above the county
$1,527
$2,822
$3,119
Effective property tax rate
0.98% ▼0.03 points below the county
1.01%
1.31%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Columbiana 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 Columbiana
For a typical $191,700 home in Columbiana, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Columbiana's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,596a 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$1,561a month
Down payment
$9,585
Cash to close
$15,336
Rate
7.18%
Mortgage insurance
PMI · $91
Conventional, 20% down, no PMI$1,275a month
Down payment
$38,340
Cash to close
$44,091
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,453a month
Down payment
$28,755
Cash to close
$34,506
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Columbiana
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,596
$6,710
$188,228
7.18%
FHA MIP · $85
$12,461
580
Conventional, 5% down
$1,561
$9,585
$182,115
7.18%
PMI · $91
$15,336
620*
Conventional, 20% down, no PMI
$1,275
$38,340
$153,360
7.18%
None
$44,091
620*
ITIN, 15% down (example)
$1,453
$28,755
$162,945
8.18%
None
$34,506
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 Columbiana is $702 a month: 7% below the county.
HUD publishes a fair market rent for all of Columbiana 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Columbiana County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$778
$14.96
$31,120
1 bedroom
$793
$15.25
$31,720
2 bedrooms
$1,003
$19.29
$40,120
3 bedrooms
$1,290
$24.81
$51,600
4 bedrooms
$1,318
$25.35
$52,720
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 Columbiana
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Columbiana is in ZIP code 44408.
For 2 bedrooms it is $1,000: $3 less than the fair market rent for Columbiana County ($1,003).
Fair market rent by ZIP code and size in Columbiana, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
44408
$770
$800
$1,000
$1,290
$1,330
ZIP code2 bd3 bd
44408 $1,000$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 Columbiana 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 Columbiana 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 Columbiana or Columbiana County. The ones below are statewide in Ohio: they work in Columbiana 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 Columbiana or Columbiana 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 Columbiana and all of Columbiana 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 Columbiana?
The typical home value in Columbiana is $191,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Columbiana County it is $151,600.
How much does it cost to rent in Columbiana?
Typical rent in Columbiana is $702 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Columbiana County is $1,003.
What is the FHA loan limit in Columbiana?
Columbiana uses the FHA limit for all of Columbiana 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 Columbiana?
The typical homeowner in Columbiana pays $1,879 a year, according to the U.S. Census Bureau. That is 0.98% of the home’s value; in Columbiana County, the rate is 1.01%.
Where can I find free help to buy or rent in Columbiana?
We found no HUD-approved counseling agencies with an office in Columbiana County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
