In Delphos, a typical home is worth $129,600 and typical rent is $812 a month. Compared with all of Allen County, the typical home value is 22% lower and typical rent is 12% lower.
Typical home value from Zillow, September 2021 to September 2026: from $149,681 to $199,369.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Delphos is in Allen 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 Allen County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Lima, the typical home value is $107,200: 17% less than in Delphos ($129,600).
2
The typical home in Delphos is worth $129,600,22% less than in Allen County as a whole ($165,300).
3
15% of households in Delphos have no internet at home (9% in Allen County).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Delphos
What homes there are in Delphos, 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
Delphos
Allen County
Ohio
United States
Kind of home: Delphos and its comparisons
Measure
Delphos
Allen County
Ohio
United States
Detached house
76%
77%
69%
61%
Attached house
Unreliable estimate
3%
5%
6%
Building of 2 to 4
8%
7%
8%
8%
Apartments (5 or more)
Unreliable estimate
9%
15%
19%
Mobile home
7%
4%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Delphos: 76% of homes, near the figure in Allen County (77%).
Mobile homes are 7% of homes in Delphos, more than in Allen County (4%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Delphos
Allen County
Ohio
United States
Year built: Delphos and its comparisons
Measure
Delphos
Allen County
Ohio
United States
Before 1960
54%
43%
38%
26%
1960–1979
22%
30%
26%
24%
1980–1999
18%
16%
20%
25%
2000–2009
6%
7%
10%
14%
2010 or later
Unreliable estimate
4%
7%
11%
The typical home in Delphos was built in 1958, 8 years before the typical one in Allen County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K37%
$100K–$200K41%
$200K–$300K16%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Delphos and its comparisons
Measure
Delphos
Under $100K
37%
$100K–$200K
41%
$200K–$300K
16%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
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: Delphos and its comparisons
Measure
Delphos
Under $500
Unreliable estimate
$500–$999
68%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,034 a month
Allen County: $1,240 a month
Without a mortgage
$490 a month
Allen County: $535 a month
Owners with a mortgage
60%
Allen County: 57%
The typical cost for an owner with a mortgage in Delphos is $1,034 a month, less than in Allen County ($1,240); without one, $490.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Delphos+34%
Allen County+40%
Ohio+47%
United States+53%
Typical rent
Delphos+10%
Allen County+31%
Ohio+28%
United States+33%
Typical household income
Delphos+21%
Allen County+21%
Ohio+26%
United States+29%
Change since 2015–2019: Delphos and its comparisons
Measure
Delphos
Allen County
Ohio
United States
Typical home value
+34%
+40%
+47%
+53%
Typical rent
+10%
+31%
+28%
+33%
Typical household income
+21%
+21%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Delphos rose 34%; in Allen County, it rose 40%.
The typical rent in Delphos rose 10% over the same time; in Allen County, it rose 31%.
The typical household income in Delphos rose 21% over that time; home values changed +34% and rent +10%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Delphos and its comparisons
Measure
Delphos
Allen County
Ohio
United States
Rental vacancy
Unreliable estimate
2.5%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.5%
1.5%
3.4%
People per household
2.23
2.38
2.37
2.53
Drive alone
86%
83%
75%
69%
Carpool
9%
9%
8%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
5%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Delphos has 2.23 people, fewer than in Allen County (2.38).
In Delphos, 86% of workers drive alone to work; in Allen County, 83%.
Do the math
What would you pay each month for a home in Delphos?
A typical home is within reach of the typical income
We start with a typical home in Delphos, worth $129,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 21% of the typical household income in Delphos, which is $61,037 a year.
The calculator's FHA and conventional loan limits are those of all of Allen 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 Delphos. 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 $4,536 (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
$1,068
at 7.18% · 30 years
Loan amount
$127,253
Total interest
$183,087
Paid off in
November 2056
Includes $2,189 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,424 a month
Your payment · 21%
Tight
$1,424 to $1,831 a month
Hard
more than $1,831 a month
Compared with the typical household income in Delphos ($61,037 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$862
Property tax
$95
Home insurance
$54
FHA mortgage insurance (MIP)
$57
You need at least $4,536 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 $1,068; principal and interest $862.
The city and its county
Delphos and Allen County
Delphos is in Allen 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).
Map of Allen County, Ohio, with Delphos marked. Around it, the neighboring counties.
Allen County
Delphos's own numbers
Typical home value
$129,600
Typical monthly rent
$812
Typical yearly household income
$61,037
Households that own their home
72%
Effective property tax rate
0.88%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Allen County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,179
Price change over 5 years (FHFA)
+53%
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 Allen County.
A typical home in Delphos is worth $129,600: 22% below the county and 40% below Ohio. With the typical household income in Delphos ($61,037 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.
Delphos2.1 years
Allen2.6 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Allen County
According to FHFA’s house price index, home prices in Allen County rose 84% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Allen County.
Yearly change in FHFA’s price index in Allen County, 2016 to 2025
2016: +2.7% +2.7% 2016
2017: +3.2% +3.2% 2017
2018: +4.2% +4.2% 2018
2019: +4.1% +4.1% 2019
2020: +5.2% +5.2% 2020
2021: +12.5% +12.5% 2021
2022: +12.6% +12.6% 2022
2023: +7.3% +7.3% 2023
2024: +4.1% +4.1% 2024
2025: +7.8% +7.8% 2025
Change in FHFA’s price index in Allen County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+7.8%
+4.8%
+2.9%
5 years (2020–2025)
+53%
+53%
+47%
10 years (2015–2025)
+84%
+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
Delphos next to Allen 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
Delphos$129,600
Allen$165,300
Ohio$214,800
United States$332,700
Typical monthly rent
Delphos$812
Allen$922
Ohio$1,034
United States$1,413
Typical yearly household income
Delphos$61,037
Allen$64,038
Ohio$71,389
United States$80,734
See the full table
Delphos next to Allen County and Ohio
Measure
Delphos
Allen County
Ohio
U.S.
Typical home value
$129,600 ▼22% below the county
$165,300
$214,800
$332,700
Typical monthly rent
$812 ▼12% below the county
$922
$1,034
$1,413
Typical yearly household income
$61,037 ▼5% below the county
$64,038
$71,389
$80,734
Households that own their home
72% ▲4 points above the county
68%
67%
65%
Typical yearly property tax
$1,138 ▼38% below the county
$1,847
$2,822
$3,119
Effective property tax rate
0.88% ▼0.24 points below the county
1.12%
1.31%
0.94%
Renters with high rent for their income
38% ▼3 points below the county
41%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Allen 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 Delphos
For a typical $129,600 home in Delphos, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Delphos's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,068a month
Least cash to close
Down payment
$4,536
Cash to close
$8,424
Rate
7.18%
Mortgage insurance
FHA MIP · $57
Conventional, 5% down$1,045a month
Down payment
$6,480
Cash to close
$10,368
Rate
7.18%
Mortgage insurance
PMI · $62
Conventional, 20% down, no PMI$851a month
Down payment
$25,920
Cash to close
$29,808
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$971a month
Down payment
$19,440
Cash to close
$23,328
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Delphos
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,068
$4,536
$127,253
7.18%
FHA MIP · $57
$8,424
580
Conventional, 5% down
$1,045
$6,480
$123,120
7.18%
PMI · $62
$10,368
620*
Conventional, 20% down, no PMI
$851
$25,920
$103,680
7.18%
None
$29,808
620*
ITIN, 15% down (example)
$971
$19,440
$110,160
8.18%
None
$23,328
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 Delphos is $812 a month: 12% below the county. In Delphos, 38% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Allen County, by unit size. To pay the 2-bedroom one ($1,179 a month) without spending more than 30% of your income, you would need to earn $22.67 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 Allen County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$895
$17.21
$35,800
1 bedroom
$901
$17.33
$36,040
2 bedrooms
$1,179
$22.67
$47,160
3 bedrooms
$1,418
$27.27
$56,720
4 bedrooms
$1,571
$30.21
$62,840
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 Delphos
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Delphos is in ZIP code 45833.
For 2 bedrooms it is $1,080: $99 less than the fair market rent for Allen County ($1,179).
Fair market rent by ZIP code and size in Delphos, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
45833
$830
$840
$1,080
$1,320
$1,450
ZIP code2 bd3 bd
45833 $1,080$1,320
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Delphos 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.
There is 1 HUD-approved agency with an office in Allen County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Delphos or Allen County. The ones below are statewide in Ohio: they work in Delphos 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 Delphos or Allen 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 Delphos and all of Allen 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 Delphos?
The typical home value in Delphos is $129,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Allen County it is $165,300.
How much does it cost to rent in Delphos?
Typical rent in Delphos is $812 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Allen County is $1,179.
What is the FHA loan limit in Delphos?
Delphos uses the FHA limit for all of Allen 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 Delphos?
The typical homeowner in Delphos pays $1,138 a year, according to the U.S. Census Bureau. That is 0.88% of the home’s value; in Allen County, the rate is 1.12%.
Where can I find free help to buy or rent in Delphos?
There is 1 HUD-approved counseling agency with an office in Allen County. They can help you get ready to buy, with your credit, or with rent.
