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City · 12,357 residents · Ashtabula County, Ohio

Conneaut , Ohio

In Conneaut, a typical home is worth $132,400 and typical rent is $772 a month. Compared with all of Ashtabula County, the typical home value is 17% lower and typical household income is 7% higher.

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  • Typical home value

    $132,400

    17% below the county

    38% below Ohio

    • Conneaut
    • Ashtabula
    • Ohio

  • Typical rent

    $772a month

    7% below the county

    25% below Ohio

    • Conneaut
    • Ashtabula
    • Ohio

  • Typical household income

    $61,741a year

    7% above the county

    14% below Ohio

    • Conneaut
    • Ashtabula
    • Ohio

  • Households that own their home

    71%

    5 points below the county

    4 points above Ohio

    • Conneaut
    • Ashtabula
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$145,567
6.8% more than 12 months ago

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

Conneaut is in Ashtabula 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 Ashtabula County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Conneaut apart

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

  1. Nearby, in Ashtabula, the typical home value is $105,900: 20% less than in Conneaut ($132,400).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Conneaut rose 6.8%; in Ohio, it rose 3.2%.

  3. The typical home in Conneaut is worth $132,400, 17% less than in Ashtabula County as a whole ($159,500).

  4. Conneaut has the 24th lowest typical rent of the 285 cities in Ohio with more than 5,000 people ($772).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Conneaut

What homes there are in Conneaut, 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

In Conneaut, 8 in 10 homes are single-family detached houses; in Ashtabula County, 8.

Year built

Homes in Conneaut are older: the typical year built is 1950; in Ashtabula County, 1962.

There are fewer big homes in Conneaut than in Ashtabula County: 61% have 3 bedrooms or more, against 64%.

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

With an FHA limit of $541,287, at least 98% of owner-occupied homes in Conneaut sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,079 a month

Ashtabula County: $1,229 a month

Without a mortgage

$397 a month

Ashtabula County: $493 a month

Owners with a mortgage

48%

Ashtabula County: 52%

In Conneaut, 48% of owners have a mortgage, and their typical cost is $1,079 a month, against $1,229 in Ashtabula County. Without one it drops to $397.

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

The typical home value in Conneaut rose 48% since 2015–2019, more than in Ashtabula County (42%).

The typical rent in Conneaut rose 16% since 2015–2019, about the same as in Ashtabula County (19%).

The typical household income in Conneaut rose 37% over that time; home values changed +48% and rent +16%.

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

MeasureConneautAshtabula CountyOhioUnited States
Rental vacancy Unreliable estimate5.0%4.4%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 2.242.392.372.53
Drive alone 81%78%75%69%
Carpool 11%11%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate6%13%15%
Other means Unreliable estimate3%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Conneaut has 2.24 people, fewer than in Ashtabula County (2.39).

To get to work, 81% of workers in Conneaut drive alone; in Ashtabula County, 78%.

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 Conneaut?

A typical home is within reach of the typical income

We start with a typical home in Conneaut, worth $132,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 22% of the typical household income in Conneaut, which is $61,741 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Conneaut. 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 $4,634 (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

$1,119

at 7.18% · 30 years

Loan amount
$130,002
Total interest
$187,042
Paid off in
November 2056

Includes $2,236 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,441 a month

    Your payment · 22%

  • Tight

    $1,441 to $1,852 a month

  • Hard

    more than $1,852 a month

Compared with the typical household income in Conneaut ($61,741 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,119
Principal & interest$881
Property tax$125
Home insurance$55
FHA mortgage insurance (MIP)$59

You need at least $4,634 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

Conneaut and Ashtabula County

Conneaut is in Ashtabula 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).

Conneaut's own numbers

Typical home value
$132,400
Typical monthly rent
$772
Typical yearly household income
$61,741
Households that own their home
71%
Effective property tax rate
1.13%

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

Numbers for all of Ashtabula 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)
+55%
Homes in a high flood-risk zone
0.6%

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 Ashtabula County.

Everything about Ashtabula County

Buying

Buying a home in Conneaut

A typical home in Conneaut is worth $132,400: 17% below the county and 38% below Ohio. With the typical household income in Conneaut ($61,741 a year), a typical home costs 2.1 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.

  • Conneaut 2.1 years
  • Ashtabula 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 Ashtabula County

According to FHFA’s house price index, home prices in Ashtabula County rose 83% in the 10 years through 2025.

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

Period County Ohio U.S.
Last year (2025) +5.5% +4.8% +2.9%
5 years (2020–2025) +55% +53% +47%
10 years (2015–2025) +83% +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

Conneaut next to Ashtabula 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
  • Conneaut $132,400
  • Ashtabula $159,500
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Conneaut $772
  • Ashtabula $828
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Conneaut $61,741
  • Ashtabula $57,728
  • Ohio $71,389
  • United States $80,734
See the full table
Conneaut next to Ashtabula County and Ohio
Measure Conneaut Ashtabula County Ohio U.S.
Typical home value $132,400 $159,500 $214,800 $332,700
Typical monthly rent $772 $828 $1,034 $1,413
Typical yearly household income $61,741 $57,728 $71,389 $80,734
Households that own their home 71% 76% 67% 65%
Typical yearly property tax $1,497 $1,928 $2,822 $3,119
Effective property tax rate 1.13% 1.21% 1.31% 0.94%
Renters with high rent for their income 54% 48% 46% 51%

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

For a typical $132,400 home in Conneaut, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Conneaut's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,119a month

    Least cash to close
    Down payment
    $4,634
    Cash to close
    $8,606
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $59

  • Conventional, 5% down $1,095a month

    Down payment
    $6,620
    Cash to close
    $10,592
    Rate
    7.18%
    Mortgage insurance
    PMI · $63

  • Conventional, 20% down, no PMI $897a month

    Down payment
    $26,480
    Cash to close
    $30,452
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,020a month

    Down payment
    $19,860
    Cash to close
    $23,832
    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 Conneaut and for Ashtabula County.

Property tax

Effective rate in Conneaut

1.13%of the home’s value each year

$1,497 a year for the typical owner in Conneaut.

  • Conneaut 1.13%
  • Ashtabula 1.21%
  • 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 Ashtabula County

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

Homes in the high-risk zone
0.6%
242
Of those, with NFIP insurance
15%
County Ohio U.S.
Homes in the high-risk zone 0.6% 1.7% 3.5%
Of those, with NFIP insurance 15% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Conneaut

Typical rent in Conneaut is $772 a month: 7% below the county. In Conneaut, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ashtabula 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.

HUD fair market rent for all of Ashtabula 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 $698 $13.42 $27,920
1 bedroom $810 $15.58 $32,400
2 bedrooms $1,003 $19.29 $40,120
3 bedrooms $1,225 $23.56 $49,000
4 bedrooms $1,402 $26.96 $56,080

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 Conneaut

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Conneaut is in ZIP code 44030.

For 2 bedrooms it is $1,000: $3 less than the fair market rent for Ashtabula County ($1,003).

  • 44030 $1,000$1,230

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

HUD lists 4 buildings with rents for lower incomes in Conneaut. These are the largest.

  • Bardmoor/Bonniewood/Glenwood/Metro/Woodm 530 Clark St, Conneaut 44030 250 low-income homes · Run by Ashtabula Metropolitian Housing Authority · Average payment: $301 a month · Average wait: 12 months (440) 992-3156
  • Highland Place Apts 432 W Main Rd, Conneaut 44030 120 low-income homes · 1 bd: 49 · 2 bd: 61 · 3 bd: 10 · In service since 2008 · For older adults, families (440) 593-6506
  • Conneaut Manor Apartments 232 Harbor St, Conneaut 44030 53 low-income homes · For older adults (440) 593-6338
  • Sunset West Apts 455 Main St, Conneaut 44030 40 low-income homes · In service since 1988

See all 23 buildings in Ashtabula County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Conneaut

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 Ashtabula 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 Conneaut

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

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

  • Fair Housing Resource Center

    1100 Mentor Ave, Painesville · 39 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 12 more
    (440) 392-0147

  • Apprisen - Warren

    1601 Motor Inn Dr, Girard · 54 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 355-2227

  • Catholic Charities Regional Agency

    319 W Rayen Ave, Youngstown · 57 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (330) 744-3320

All counseling agencies in Ohio

Help in Spanish near Conneaut

2 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 Conneaut

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

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

Cities

Other cities in Ashtabula County

These cities are also in Ashtabula County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Ashtabula County Housing in Ohio

Nearby cities

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

Neighboring counties

If Ashtabula 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 Conneaut.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Conneaut

Short answers with the numbers for Conneaut and all of Ashtabula 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 Conneaut?

The typical home value in Conneaut is $132,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ashtabula County it is $159,500.

How much does it cost to rent in Conneaut?

Typical rent in Conneaut is $772 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ashtabula County is $1,003.

What is the FHA loan limit in Conneaut?

Conneaut uses the FHA limit for all of Ashtabula 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 Conneaut?

The typical homeowner in Conneaut pays $1,497 a year, according to the U.S. Census Bureau. That is 1.13% of the home’s value; in Ashtabula County, the rate is 1.21%.

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

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