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City · 6,209 residents · Allen County, Ohio

Fort Shawnee , Ohio

In Fort Shawnee, a typical home is worth $208,700 and typical rent is $1,035 a month. Compared with all of Allen County, typical household income is 41% higher, the typical home value is 26% higher, and the share of households that own their home is 20 points higher.

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  • Typical home value

    $208,700

    26% above the county

    3% below Ohio

    • Fort Shawnee
    • Allen
    • Ohio

  • Typical rent

    $1,035a month

    12% above the county

    About the same as Ohio

    • Fort Shawnee
    • Allen
    • Ohio

  • Typical household income

    $90,491a year

    41% above the county

    27% above Ohio

    • Fort Shawnee
    • Allen
    • Ohio

  • Households that own their home

    88%

    20 points above the county

    21 points above Ohio

    • Fort Shawnee
    • Allen
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$218,959
5.6% more than 12 months ago

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

Fort Shawnee 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Fort Shawnee apart

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: 49% less than in Fort Shawnee ($208,700).

  2. 88% of households in Fort Shawnee own their home, against 68% in Allen County.

  3. The typical household income in Fort Shawnee is $90,491, 41% more than in Allen County as a whole ($64,038).

  4. Fort Shawnee has the 12th smallest share of rent-burdened renters of the 253 cities in Ohio with more than 5,000 people (31%).

  5. Nearby, in Celina, the typical rent is $760: 27% less than in Fort Shawnee ($1,035).

  6. The typical home in Fort Shawnee is worth $208,700, 26% more than in Allen County as a whole ($165,300).

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

The homes here

Housing in Fort Shawnee

What homes there are in Fort Shawnee, 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 Fort Shawnee, 8 in 10 homes are single-family detached houses; in Allen County, 8.

Mobile homes are 10% of homes in Fort Shawnee, more than in Allen County (4%).

Year built

Homes in Fort Shawnee are newer: the typical year built is 1974; in Allen County, 1966.

In Fort Shawnee, 80% of homes have 3 bedrooms or more, more than in Allen County (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

The FHA loan limit for Allen County is $541,287, and about 93% of owner-occupied homes in Fort Shawnee are worth less than that.

Monthly rent with utilities

With a mortgage

$1,538 a month

Allen County: $1,240 a month

Without a mortgage

$640 a month

Allen County: $535 a month

Owners with a mortgage

58%

Allen County: 57%

The typical cost for an owner with a mortgage in Fort Shawnee is $1,538 a month, more than in Allen County ($1,240); without one, $640.

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

Fort Shawnee does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Allen County the typical home value rose 40%.

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

MeasureFort ShawneeAllen CountyOhioUnited States
Rental vacancy Unreliable estimate2.5%4.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.5%1.5%3.4%
People per household 2.412.382.372.53
Drive alone 84%83%75%69%
Carpool Unreliable estimate9%8%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate5%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

By size, households in Fort Shawnee look like those in Allen County: 2.41 people on average.

The car rules in Fort Shawnee: 84% 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 Fort Shawnee?

A typical home is within reach of the typical income

We start with a typical home in Fort Shawnee, worth $208,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Fort Shawnee, which is $90,491 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Fort Shawnee. 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 $7,305 (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

$1,799

at 7.18% · 30 years

Loan amount
$204,919
Total interest
$294,831
Paid off in
November 2056

Includes $3,524 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,111 a month

    Your payment · 24%

  • Tight

    $2,111 to $2,715 a month

  • Hard

    more than $2,715 a month

Compared with the typical household income in Fort Shawnee ($90,491 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,799
Principal & interest$1,388
Property tax$231
Home insurance$87
FHA mortgage insurance (MIP)$92

You need at least $7,305 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

Fort Shawnee and Allen County

Fort Shawnee 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).

Fort Shawnee's own numbers

Typical home value
$208,700
Typical monthly rent
$1,035
Typical yearly household income
$90,491
Households that own their home
88%
Effective property tax rate
1.33%

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.

Everything about Allen County

Buying

Buying a home in Fort Shawnee

A typical home in Fort Shawnee is worth $208,700: 26% above the county and 3% below Ohio. With the typical household income in Fort Shawnee ($90,491 a year), a typical home costs 2.3 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.

  • Fort Shawnee 2.3 years
  • Allen 2.6 years
  • Ohio 3.0 years
  • United States 4.1 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.

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

Fort Shawnee 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
  • Fort Shawnee $208,700
  • Allen $165,300
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Fort Shawnee $1,035
  • Allen $922
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Fort Shawnee $90,491
  • Allen $64,038
  • Ohio $71,389
  • United States $80,734
See the full table
Fort Shawnee next to Allen County and Ohio
Measure Fort Shawnee Allen County Ohio U.S.
Typical home value $208,700 $165,300 $214,800 $332,700
Typical monthly rent $1,035 $922 $1,034 $1,413
Typical yearly household income $90,491 $64,038 $71,389 $80,734
Households that own their home 88% 68% 67% 65%
Typical yearly property tax $2,769 $1,847 $2,822 $3,119
Effective property tax rate 1.33% 1.12% 1.31% 0.94%
Renters with high rent for their income 31% 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 Fort Shawnee

For a typical $208,700 home in Fort Shawnee, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fort Shawnee's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,799a month

    Least cash to close
    Down payment
    $7,305
    Cash to close
    $13,566
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $92

  • Conventional, 5% down $1,761a month

    Down payment
    $10,435
    Cash to close
    $16,696
    Rate
    7.18%
    Mortgage insurance
    PMI · $99

  • Conventional, 20% down, no PMI $1,449a month

    Down payment
    $41,740
    Cash to close
    $48,001
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,642a month

    Down payment
    $31,305
    Cash to close
    $37,566
    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 Fort Shawnee and for Allen County.

Property tax

Effective rate in Fort Shawnee

1.33%of the home’s value each year

$2,769 a year for the typical owner in Fort Shawnee.

  • Fort Shawnee 1.33%
  • Allen 1.12%
  • 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 Allen County

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

Homes in the high-risk zone
1.6%
630
Of those, with NFIP insurance
17%
County Ohio U.S.
Homes in the high-risk zone 1.6% 1.7% 3.5%
Of those, with NFIP insurance 17% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Fort Shawnee

Typical rent in Fort Shawnee is $1,035 a month: 12% above the county. In Fort Shawnee, 31% 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.

HUD fair market rent for all of Allen 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 $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 Fort Shawnee

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fort Shawnee is in ZIP code 45806.

For 2 bedrooms it is $1,280: $101 more than the fair market rent for Allen County ($1,179).

  • 45806 $1,280$1,580

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

Free help

Help to buy or rent in Fort Shawnee

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Fort Shawnee

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

The HUD-approved agencies closest to the center of Fort Shawnee, 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 · 4 miles away

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

  • Neighborhood Housing Partnership of Greater Springfield, Inc.

    527 E Home Rd, Springfield · 54 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (937) 322-4623

  • Horizon Housing Communities Development for Ohio (HHCDO)

    1700 Needmore Rd, Dayton · 60 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (937) 259-8870

Every agency in Allen County All counseling agencies in Ohio

Help in Spanish near Fort Shawnee

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 Fort Shawnee

In HUD’s record, no housing authority with an office in Allen County is named for Fort Shawnee or Allen County.

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

Cities

Other cities in Allen County

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

Everything about Allen County Housing in Ohio

Nearby cities

The cities closest to Fort Shawnee, with the typical home value.

Neighboring counties

If Allen 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 Fort Shawnee.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Fort Shawnee

Short answers with the numbers for Fort Shawnee 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 Fort Shawnee?

The typical home value in Fort Shawnee is $208,700, 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 Fort Shawnee?

Typical rent in Fort Shawnee is $1,035 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 Fort Shawnee?

Fort Shawnee 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 Fort Shawnee?

The typical homeowner in Fort Shawnee pays $2,769 a year, according to the U.S. Census Bureau. That is 1.33% of the home’s value; in Allen County, the rate is 1.12%.

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

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.

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).