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City · 40,287 residents · Hancock County, Ohio

Findlay , Ohio

In Findlay, a typical home is worth $191,000 and typical rent is $975 a month. Compared with all of Hancock County, typical household income is 16% lower, the typical home value is 7% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $191,000

    7% below the county

    11% below Ohio

    • Findlay
    • Hancock
    • Ohio

  • Typical rent

    $975a month

    About the same as the county

    6% below Ohio

    • Findlay
    • Hancock
    • Ohio

  • Typical household income

    $61,423a year

    16% below the county

    14% below Ohio

    • Findlay
    • Hancock
    • Ohio

  • Households that own their home

    60%

    11 points below the county

    7 points below Ohio

    • Findlay
    • Hancock
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$243,521
3.4% more than 12 months ago
Typical rent
$1,348 a month
6.6% more than 12 months ago

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

Findlay is in Hancock 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 Hancock County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Findlay apart

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

  1. Nearby, in Fostoria, the typical home value is $87,200: 54% less than in Findlay ($191,000).

  2. Nearby, in Kenton, the typical rent is $625: 36% less than in Findlay ($975).

  3. 60% of households in Findlay own their home, against 71% in Hancock County.

  4. The typical household income in Findlay is $61,423, 16% less than in Hancock County as a whole ($73,141).

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

The homes here

Housing in Findlay

What homes there are in Findlay, 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 Findlay (63%), but less so than in Hancock County (72%).

Year built

In Findlay, half of the homes were built before 1971; in Hancock County, before 1973.

There are fewer big homes in Findlay than in Hancock County: 58% have 3 bedrooms or more, against 67%.

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 Findlay sit below it: they are worth less than $500,000.

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,189), about 66% of rented homes in Findlay cost less.

With a mortgage

$1,349 a month

Hancock County: $1,415 a month

Without a mortgage

$564 a month

Hancock County: $576 a month

Owners with a mortgage

61%

Hancock County: 59%

Owning costs about the same in Findlay as in Hancock County: with a mortgage, $1,349 a month; without one, $564.

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 Findlay rose at about the same pace as in Hancock County: 40% against 39%.

Rents in Findlay rose at about the same pace as in Hancock County: 27% since 2015–2019, against 28%.

The typical household income in Findlay rose 20%: less than home values (+40%) and rent (+27%).

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

MeasureFindlayHancock CountyOhioUnited States
Rental vacancy Unreliable estimate4.9%4.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.5%3.4%
People per household 2.152.312.372.53
Drive alone 77%79%75%69%
Carpool 9%8%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 3%2%2%3%
Work from home 10%10%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Findlay has 2.15 people, fewer than in Hancock County (2.31).

The car rules in Findlay: 77% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Findlay?

A typical home is tight for the typical income

We start with a typical home in Findlay, worth $191,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Findlay, which is $61,423 a year. For that payment to be 28% of income, a household would need to earn about $68,369 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Findlay. 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 $6,685 (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

$1,595

at 7.18% · 30 years

Loan amount
$187,541
Total interest
$269,827
Paid off in
November 2056

Includes $3,226 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,433 a month

  • Tight

    $1,433 to $1,843 a month

    Your payment · 31%

  • Hard

    more than $1,843 a month

Compared with the typical household income in Findlay ($61,423 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,595
Principal & interest$1,270
Property tax$161
Home insurance$80
FHA mortgage insurance (MIP)$84

You need at least $6,685 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

Findlay and Hancock County

Findlay is in Hancock 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).

Findlay's own numbers

Typical home value
$191,000
Typical monthly rent
$975
Typical yearly household income
$61,423
Households that own their home
60%
Effective property tax rate
1.01%

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

Numbers for all of Hancock County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,189
Price change over 5 years (FHFA)
+41%
Homes in a high flood-risk zone
6.1%

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 Hancock County.

Everything about Hancock County

Buying

Buying a home in Findlay

A typical home in Findlay is worth $191,000: 7% below the county and 11% below Ohio. With the typical household income in Findlay ($61,423 a year), a typical home costs 3.1 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.

  • Findlay 3.1 years
  • Hancock 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 Hancock County

According to FHFA’s house price index, home prices in Hancock County rose 73% in the 10 years through 2025.

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

Period County Ohio U.S.
Last year (2025) +4.7% +4.8% +2.9%
5 years (2020–2025) +41% +53% +47%
10 years (2015–2025) +73% +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

Findlay next to Hancock 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
  • Findlay $191,000
  • Hancock $204,700
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Findlay $975
  • Hancock $979
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Findlay $61,423
  • Hancock $73,141
  • Ohio $71,389
  • United States $80,734
See the full table
Findlay next to Hancock County and Ohio
Measure Findlay Hancock County Ohio U.S.
Typical home value $191,000 $204,700 $214,800 $332,700
Typical monthly rent $975 $979 $1,034 $1,413
Typical yearly household income $61,423 $73,141 $71,389 $80,734
Households that own their home 60% 71% 67% 65%
Typical yearly property tax $1,927 $2,046 $2,822 $3,119
Effective property tax rate 1.01% 1% 1.31% 0.94%
Renters with high rent for their income 38% 37% 46% 51%

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

For a typical $191,000 home in Findlay, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Findlay's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,595a month

    Least cash to close
    Down payment
    $6,685
    Cash to close
    $12,415
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $84

  • Conventional, 5% down $1,560a month

    Down payment
    $9,550
    Cash to close
    $15,280
    Rate
    7.18%
    Mortgage insurance
    PMI · $91

  • Conventional, 20% down, no PMI $1,275a month

    Down payment
    $38,200
    Cash to close
    $43,930
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,452a month

    Down payment
    $28,650
    Cash to close
    $34,380
    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 Findlay and for Hancock County.

Property tax

Effective rate in Findlay

1.01%of the home’s value each year

$1,927 a year for the typical owner in Findlay.

  • Findlay 1.01%
  • Hancock 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 Hancock County

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

Homes in the high-risk zone
6.1%
1,647
Of those, with NFIP insurance
18%
County Ohio U.S.
Homes in the high-risk zone 6.1% 1.7% 3.5%
Of those, with NFIP insurance 18% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Findlay

Typical rent in Findlay is $975 a month: about the same as the county. In Findlay, 38% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hancock County, by unit size. To pay the 2-bedroom one ($1,189 a month) without spending more than 30% of your income, you would need to earn $22.87 an hour working full time.

HUD fair market rent for all of Hancock 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 $828 $15.92 $33,120
1 bedroom $909 $17.48 $36,360
2 bedrooms $1,189 $22.87 $47,560
3 bedrooms $1,546 $29.73 $61,840
4 bedrooms $1,752 $33.69 $70,080

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 Findlay

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Findlay is in ZIP code 45840.

For 2 bedrooms it is $1,200: $11 more than the fair market rent for Hancock County ($1,189).

  • 45840 $1,200$1,560

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

HUD lists 15 buildings with rents for lower incomes in Findlay. These are the largest.

  • Crystal Glen Apts (MELROSE) 1231 Crystal Glen Blvd, Findlay 45840 192 low-income homes · In service since 1999
  • Senior Tower Apts 806 Bright Rd, Findlay 45840 146 low-income homes · 1 bd: 107 · 2 bd: 39 · In service since 2003 · For older adults (419) 423-4143
  • Melrose Village Phase I & II 2201 Jennifer Ln, Findlay 45840 106 low-income homes · 1 bd: 34 · 2 bd: 54 · 3 bd: 18 · In service since 2006 · For families (419) 424-9625
  • Glenwood Village Apts 400 Sterling Hill Dr, Findlay 45840 76 low-income homes · In service since 1994
  • Breckenridge Apts 2010 Crystal Ave, Findlay 45840 72 homes, 71 low-income · 2 bd: 60 · 3 bd: 12 · In service since 1998 · For older adults

See all 20 buildings in Hancock County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Findlay

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 Hancock County. The nearest ones are below; many serve by phone or online.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Findlay

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

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

  • West Ohio Community Action Partnership

    540 S Central Ave, Lima · 33 miles away

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 6 more
    (419) 227-2586

  • Great Lakes Community Action Partnership (formerly WSOS Community Action Commision, Inc.)

    127 S Front St, Fremont · 34 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (800) 775-9767

  • Neighborhood Housing Services of Toledo, Inc

    704 2nd St, Toledo · 42 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (419) 691-2900

All counseling agencies in Ohio

Help in Spanish near Findlay

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 Findlay

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

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

Cities

Nearby cities

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

Everything about Hancock County Housing in Ohio

Neighboring counties

If Hancock 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 Findlay.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Findlay

Short answers with the numbers for Findlay and all of Hancock 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 Findlay?

The typical home value in Findlay is $191,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hancock County it is $204,700.

How much does it cost to rent in Findlay?

Typical rent in Findlay is $975 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hancock County is $1,189.

What is the FHA loan limit in Findlay?

Findlay uses the FHA limit for all of Hancock 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 Findlay?

The typical homeowner in Findlay pays $1,927 a year, according to the U.S. Census Bureau. That is 1.01% of the home’s value; in Hancock County, the rate is 1%.

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

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