In Fremont, a typical home is worth $117,500 and typical rent is $775 a month. Compared with all of Sandusky County, the typical home value is 27% lower, typical household income is 25% lower, and the share of households that own their home is 16 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $131,752 to $178,503.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Fremont is in Sandusky 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 Sandusky County. See the county
What this place has that others do not, from public data, most unusual first.
1
57% of households in Fremont own their home, against 73% in Sandusky County.
2
Nearby, in Fostoria, the typical home value is $87,200: 26% less than in Fremont ($117,500).
3
The typical home in Fremont is worth $117,500,27% less than in Sandusky County as a whole ($160,700).
4
The typical household income in Fremont is $47,024,25% less than in Sandusky County as a whole ($62,295).
5
Fremont has the 26th lowest typical rent of the 285 cities in Ohio with more than 5,000 people ($775).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Fremont
What homes there are in Fremont, 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
Fremont
Sandusky County
Ohio
United States
Kind of home: Fremont and its comparisons
Measure
Fremont
Sandusky County
Ohio
United States
Detached house
66%
78%
69%
61%
Attached house
Unreliable estimate
2%
5%
6%
Building of 2 to 4
16%
9%
8%
8%
Apartments (5 or more)
11%
5%
15%
19%
Mobile home
5%
6%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Fremont, 7 in 10 homes are single-family detached houses; in Sandusky County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Fremont
Sandusky County
Ohio
United States
Year built: Fremont and its comparisons
Measure
Fremont
Sandusky County
Ohio
United States
Before 1960
64%
50%
38%
26%
1960–1979
17%
22%
26%
24%
1980–1999
15%
19%
20%
25%
2000–2009
Unreliable estimate
6%
10%
14%
2010 or later
Unreliable estimate
4%
7%
11%
The typical home in Fremont was built in 1951, 9 years before the typical one in Sandusky County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K33%
$100K–$200K54%
$200K–$300K10%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Fremont and its comparisons
Measure
Fremont
Under $100K
33%
$100K–$200K
54%
$200K–$300K
10%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50018%
$500–$99968%
$1,000–$1,49912%
HUD fair market rent, 2 bedrooms: $1,003
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Fremont and its comparisons
Measure
Fremont
Under $500
18%
$500–$999
68%
$1,000–$1,499
12%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
By rent, most homes in Fremont cost less than HUD's 2-bedroom fair market rent ($1,003): about 86%.
With a mortgage
$1,073 a month
Sandusky County: $1,210 a month
Without a mortgage
$426 a month
Sandusky County: $494 a month
Owners with a mortgage
60%
Sandusky County: 56%
In Fremont, 60% of owners have a mortgage, and their typical cost is $1,073 a month, against $1,210 in Sandusky County. Without one it drops to $426.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Fremont+37%
Sandusky County+39%
Ohio+47%
United States+53%
Typical rent
Fremont+14%
Sandusky County+12%
Ohio+28%
United States+33%
Typical household income
FremontNo clear change
Sandusky County+15%
Ohio+26%
United States+29%
Change since 2015–2019: Fremont and its comparisons
Measure
Fremont
Sandusky County
Ohio
United States
Typical home value
+37%
+39%
+47%
+53%
Typical rent
+14%
+12%
+28%
+33%
Typical household income
No clear change
+15%
+26%
+29%
The typical home value in Fremont rose 37% since 2015–2019, about the same as in Sandusky County (39%).
Much as in Sandusky County, the typical rent in Fremont rose 14% since 2015–2019.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Fremont and its comparisons
Measure
Fremont
Sandusky County
Ohio
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
1.5%
3.4%
People per household
2.28
2.34
2.37
2.53
Drive alone
85%
85%
75%
69%
Carpool
6%
7%
8%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
4%
2%
2%
3%
Work from home
Unreliable estimate
4%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Sandusky County, a household in Fremont has 2.28 people on average.
To get to work, 85% of workers in Fremont drive alone; in Sandusky County, 85%.
Do the math
What would you pay each month for a home in Fremont?
A typical home is within reach of the typical income
We start with a typical home in Fremont, worth $117,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Fremont, which is $47,024 a year.
The calculator's FHA and conventional loan limits are those of all of Sandusky 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 Fremont. 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 $4,113 (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
$979
at 7.18% · 30 years
Loan amount
$115,371
Total interest
$165,992
Paid off in
November 2056
Includes $1,984 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,097 a month
Your payment · 25%
Tight
$1,097 to $1,411 a month
Hard
more than $1,411 a month
Compared with the typical household income in Fremont ($47,024 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$782
Property tax
$96
Home insurance
$49
FHA mortgage insurance (MIP)
$52
You need at least $4,113 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 $979; principal and interest $782.
The city and its county
Fremont and Sandusky County
Fremont is in Sandusky 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).
Fremont
Map of Sandusky County, Ohio, with Fremont marked. Around it, the neighboring counties.
Fremont
Sandusky County
Other cities with a page
Fremont's own numbers
Typical home value
$117,500
Typical monthly rent
$775
Typical yearly household income
$47,024
Households that own their home
57%
Effective property tax rate
0.98%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Sandusky 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)
+47%
Homes in a high flood-risk zone
1.8%
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 Sandusky County.
A typical home in Fremont is worth $117,500: 27% below the county and 45% below Ohio. With the typical household income in Fremont ($47,024 a year), a typical home costs 2.5 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.
Fremont2.5 years
Sandusky2.6 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Sandusky County
According to FHFA’s house price index, home prices in Sandusky County rose 78% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Sandusky County.
Yearly change in FHFA’s price index in Sandusky County, 2016 to 2025
2016: +3.2% +3.2% 2016
2017: +4.5% +4.5% 2017
2018: +5.6% +5.6% 2018
2019: +2.1% +2.1% 2019
2020: +3.5% +3.5% 2020
2021: +9.7% +9.7% 2021
2022: +13.0% +13.0% 2022
2023: +3.7% +3.7% 2023
2024: +13.2% +13.2% 2024
2025: +1.3% +1.3% 2025
Change in FHFA’s price index in Sandusky County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+1.3%
+4.8%
+2.9%
5 years (2020–2025)
+47%
+53%
+47%
10 years (2015–2025)
+78%
+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
Fremont next to Sandusky 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
Fremont$117,500
Sandusky$160,700
Ohio$214,800
United States$332,700
Typical monthly rent
Fremont$775
Sandusky$783
Ohio$1,034
United States$1,413
Typical yearly household income
Fremont$47,024
Sandusky$62,295
Ohio$71,389
United States$80,734
See the full table
Fremont next to Sandusky County and Ohio
Measure
Fremont
Sandusky County
Ohio
U.S.
Typical home value
$117,500 ▼27% below the county
$160,700
$214,800
$332,700
Typical monthly rent
$775
$783
$1,034
$1,413
Typical yearly household income
$47,024 ▼25% below the county
$62,295
$71,389
$80,734
Households that own their home
57% ▼16 points below the county
73%
67%
65%
Typical yearly property tax
$1,146 ▼31% below the county
$1,659
$2,822
$3,119
Effective property tax rate
0.98% ▼0.05 points below the county
1.03%
1.31%
0.94%
Renters with high rent for their income
43% ▲1 points above the county
43%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Sandusky 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 Fremont
For a typical $117,500 home in Fremont, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fremont's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$978a month
Least cash to close
Down payment
$4,113
Cash to close
$7,638
Rate
7.18%
Mortgage insurance
FHA MIP · $52
Conventional, 5% down$957a month
Down payment
$5,875
Cash to close
$9,400
Rate
7.18%
Mortgage insurance
PMI · $56
Conventional, 20% down, no PMI$782a month
Down payment
$23,500
Cash to close
$27,025
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$890a month
Down payment
$17,625
Cash to close
$21,150
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Fremont
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$978
$4,113
$115,372
7.18%
FHA MIP · $52
$7,638
580
Conventional, 5% down
$957
$5,875
$111,625
7.18%
PMI · $56
$9,400
620*
Conventional, 20% down, no PMI
$782
$23,500
$94,000
7.18%
None
$27,025
620*
ITIN, 15% down (example)
$890
$17,625
$99,875
8.18%
None
$21,150
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 Fremont is $775 a month: about the same as the county. In Fremont, 43% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Sandusky 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Sandusky County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$698
$13.42
$27,920
1 bedroom
$838
$16.12
$33,520
2 bedrooms
$1,003
$19.29
$40,120
3 bedrooms
$1,233
$23.71
$49,320
4 bedrooms
$1,324
$25.46
$52,960
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 Fremont
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fremont is in ZIP code 43420.
For 2 bedrooms it is $1,030: $27 more than the fair market rent for Sandusky County ($1,003).
Fair market rent by ZIP code and size in Fremont, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
43420
$730
$860
$1,030
$1,270
$1,530
ZIP code2 bd3 bd
43420 $1,030$1,270
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Fremont 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 Sandusky County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Fremont or Sandusky County. The ones below are statewide in Ohio: they work in Fremont 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 Fremont or Sandusky 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 Fremont and all of Sandusky 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 Fremont?
The typical home value in Fremont is $117,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sandusky County it is $160,700.
How much does it cost to rent in Fremont?
Typical rent in Fremont is $775 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sandusky County is $1,003.
What is the FHA loan limit in Fremont?
Fremont uses the FHA limit for all of Sandusky 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 Fremont?
The typical homeowner in Fremont pays $1,146 a year, according to the U.S. Census Bureau. That is 0.98% of the home’s value; in Sandusky County, the rate is 1.03%.
Where can I find free help to buy or rent in Fremont?
There is 1 HUD-approved counseling agency with an office in Sandusky County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
