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City · 34,534 residents · Greene County, Ohio

Fairborn , Ohio

In Fairborn, a typical home is worth $175,000 and typical rent is $977 a month. Compared with all of Greene County, the typical home value is 31% lower, typical household income is 29% lower, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $175,000

    31% below the county

    19% below Ohio

    • Fairborn
    • Greene
    • Ohio

  • Typical rent

    $977a month

    14% below the county

    6% below Ohio

    • Fairborn
    • Greene
    • Ohio

  • Typical household income

    $61,751a year

    29% below the county

    14% below Ohio

    • Fairborn
    • Greene
    • Ohio

  • Households that own their home

    51%

    17 points below the county

    16 points below Ohio

    • Fairborn
    • Greene
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$208,109
4.5% more than 12 months ago
Typical rent
$1,500 a month
9% more than 12 months ago

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

Fairborn is in Greene 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 Greene County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Fairborn apart

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

  1. 51% of households in Fairborn own their home, against 68% in Greene County.

  2. The typical home in Fairborn is worth $175,000, 31% less than in Greene County as a whole ($252,200).

  3. Nearby, in New Carlisle, the typical home value is $131,800: 25% less than in Fairborn ($175,000).

  4. The typical household income in Fairborn is $61,751, 29% less than in Greene County as a whole ($87,309).

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

The homes here

Housing in Fairborn

What homes there are in Fairborn, 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 houses are the majority in Fairborn (56%), but less so than in Greene County (72%).

Year built

Homes in Fairborn are older: the typical year built is 1970; in Greene County, 1976.

Homes in Fairborn are smaller: 53% have 3 bedrooms or more; in Greene County, 70%.

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 Greene County is high ($541,287): at least 99% of owner-occupied homes in Fairborn are worth less than $500,000.

Monthly rent with utilities

By rent, most homes in Fairborn cost less than HUD's 2-bedroom fair market rent ($1,248): about 72%.

With a mortgage

$1,357 a month

Greene County: $1,702 a month

Without a mortgage

$531 a month

Greene County: $700 a month

Owners with a mortgage

63%

Greene County: 64%

Owning costs less in Fairborn: with a mortgage, the typical cost is $1,357 a month; in Greene County, $1,702. Without one, $531.

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, home values in Fairborn rose at about the same pace as in Greene County: 48% against 46%.

The typical rent in Fairborn rose 20% over the same time; in Greene County, it rose 25%.

The typical household income in Fairborn rose 30% over that time; home values changed +48% and rent +20%.

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

MeasureFairbornGreene CountyOhioUnited States
Rental vacancy 6.3%4.3%4.4%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room Unreliable estimate1.0%1.5%3.4%
People per household 2.142.382.372.53
Drive alone 78%76%75%69%
Carpool 9%8%8%9%
Public transit Unreliable estimate0%1%3%
Walk or bike 3%3%2%3%
Work from home 9%13%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Fairborn is 6.3%, higher than in Greene County (4.3%).

Households in Fairborn are smaller: 2.14 people on average; in Greene County, 2.38.

In Fairborn, 78% of workers drive alone to work; in Greene County, 76%.

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 Fairborn?

A typical home is tight for the typical income

We start with a typical home in Fairborn, worth $175,000, 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 Fairborn, which is $61,751 a year. For that payment to be 28% of income, a household would need to earn about $65,080 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fairborn. 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 $6,125 (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

$1,519

at 7.18% · 30 years

Loan amount
$171,830
Total interest
$247,224
Paid off in
November 2056

Includes $2,955 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,441 a month

  • Tight

    $1,441 to $1,853 a month

    Your payment · 30%

  • Hard

    more than $1,853 a month

Compared with the typical household income in Fairborn ($61,751 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,519
Principal & interest$1,164
Property tax$204
Home insurance$73
FHA mortgage insurance (MIP)$77

You need at least $6,125 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

Fairborn and Greene County

Fairborn is in Greene 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).

Fairborn's own numbers

Typical home value
$175,000
Typical monthly rent
$977
Typical yearly household income
$61,751
Households that own their home
51%
Effective property tax rate
1.4%

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

Numbers for all of Greene County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,248
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
1.2%

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 Greene County.

Everything about Greene County

Buying

Buying a home in Fairborn

A typical home in Fairborn is worth $175,000: 31% below the county and 19% below Ohio. With the typical household income in Fairborn ($61,751 a year), a typical home costs 2.8 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.

  • Fairborn 2.8 years
  • Greene 2.9 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Greene County

According to FHFA’s house price index, home prices in Greene County rose 97% in the 10 years through 2025.

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

Period County Ohio U.S.
Last year (2025) +3.8% +4.8% +2.9%
5 years (2020–2025) +57% +53% +47%
10 years (2015–2025) +97% +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

Fairborn next to Greene 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
  • Fairborn $175,000
  • Greene $252,200
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Fairborn $977
  • Greene $1,135
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Fairborn $61,751
  • Greene $87,309
  • Ohio $71,389
  • United States $80,734
See the full table
Fairborn next to Greene County and Ohio
Measure Fairborn Greene County Ohio U.S.
Typical home value $175,000 $252,200 $214,800 $332,700
Typical monthly rent $977 $1,135 $1,034 $1,413
Typical yearly household income $61,751 $87,309 $71,389 $80,734
Households that own their home 51% 68% 67% 65%
Typical yearly property tax $2,451 $4,071 $2,822 $3,119
Effective property tax rate 1.4% 1.61% 1.31% 0.94%
Renters with high rent for their income 42% 41% 46% 51%

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

For a typical $175,000 home in Fairborn, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fairborn's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,519a month

    Least cash to close
    Down payment
    $6,125
    Cash to close
    $11,375
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $77

  • Conventional, 5% down $1,486a month

    Down payment
    $8,750
    Cash to close
    $14,000
    Rate
    7.18%
    Mortgage insurance
    PMI · $83

  • Conventional, 20% down, no PMI $1,225a month

    Down payment
    $35,000
    Cash to close
    $40,250
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,387a month

    Down payment
    $26,250
    Cash to close
    $31,500
    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 Fairborn and for Greene County.

Property tax

Effective rate in Fairborn

1.4%of the home’s value each year

$2,451 a year for the typical owner in Fairborn.

  • Fairborn 1.4%
  • Greene 1.61%
  • 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 Greene County

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

Homes in the high-risk zone
1.2%
689
Of those, with NFIP insurance
27%
County Ohio U.S.
Homes in the high-risk zone 1.2% 1.7% 3.5%
Of those, with NFIP insurance 27% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fairborn

Typical rent in Fairborn is $977 a month: 14% below the county. In Fairborn, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Greene County, by unit size. To pay the 2-bedroom one ($1,248 a month) without spending more than 30% of your income, you would need to earn $24.00 an hour working full time.

HUD fair market rent for all of Greene 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 $909 $17.48 $36,360
1 bedroom $1,008 $19.38 $40,320
2 bedrooms $1,248 $24.00 $49,920
3 bedrooms $1,623 $31.21 $64,920
4 bedrooms $1,774 $34.12 $70,960

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 Fairborn

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fairborn has 2 ZIP codes with their own.

For 2 bedrooms it is $1,320 in all of them.

2 of the 2 are above the fair market rent for Greene County ($1,248).

  • 45324 $1,320$1,710
  • 45435 $1,320$1,710

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

HUD lists 8 buildings with rents for lower incomes in Fairborn. These are the largest.

  • Fairborn Apts 344 E Emerson Ave, Fairborn 45324 177 low-income homes · For families (937) 754-9256
  • Landmark Village 258 Franklin Ct, Fairborn 45324 165 low-income homes · For families (937) 878-4852
  • Landmark Village Apts 264 Landmark Ct, Fairborn 45324 165 low-income homes · 1 bd: 24 · 2 bd: 42 · 3 bd: 66 · 4 bd: 33 · In service since 2004
  • Peppertree Villas Phase I 1458 Spicetree Cir, Fairborn 45324 162 low-income homes · 1 bd: 27 · 2 bd: 51 · 3 bd: 84 · In service since 1996
  • Fairborn 201A W Dayton Dr, Fairborn 45324 135 low-income homes · Run by Greene Metropolitian Housing Authority · Average payment: $415 a month · Average wait: 5 months · Homes at several sites (937) 376-2908

See all 25 buildings in Greene County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Fairborn

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 Greene County; 1 says it serves in Spanish.

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 Fairborn

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

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

  • Greenpath Financial Wellness

    2465 Executive Park Blvd, Fairborn · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (866) 234-4767

  • Miami Valley Community Action Partnership

    719 S Main St, Dayton · 10 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (937) 341-5000

  • County Corp

    130 W 2nd St, Dayton · 10 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    (937) 853-1600

Every agency in Greene County All counseling agencies in Ohio

Help in Spanish near Fairborn

1 of the 3 agencies on this list says it serves 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 Fairborn

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

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

Cities

Other cities in Greene County

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

Everything about Greene County Housing in Ohio

Nearby cities

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

Neighboring counties

If Greene 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 Fairborn.

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

Questions

Housing questions about Fairborn

Short answers with the numbers for Fairborn and all of Greene 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 Fairborn?

The typical home value in Fairborn is $175,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Greene County it is $252,200.

How much does it cost to rent in Fairborn?

Typical rent in Fairborn is $977 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Greene County is $1,248.

What is the FHA loan limit in Fairborn?

Fairborn uses the FHA limit for all of Greene 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 Fairborn?

The typical homeowner in Fairborn pays $2,451 a year, according to the U.S. Census Bureau. That is 1.4% of the home’s value; in Greene County, the rate is 1.61%.

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

There is 1 HUD-approved counseling agency with an office in Greene County. 1 says it serves in Spanish. 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).