In Girard, a typical home is worth $115,500 and typical rent is $769 a month. Compared with all of Trumbull County, the typical home value is 19% lower and typical household income is 7% lower.
Typical home value from Zillow, September 2021 to September 2026: from $104,683 to $153,540.
Typical rent
$1,085a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Girard is in Trumbull 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 Trumbull County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Youngstown, the typical home value is $63,300: 45% less than in Girard ($115,500).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Girard rose 6.5%; in Ohio, it rose 3.2%.
3
The typical home in Girard is worth $115,500,19% less than in Trumbull County as a whole ($141,800).
4
Girard has the 21st lowest typical rent of the 285 cities in Ohio with more than 5,000 people ($769).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Girard
What homes there are in Girard, 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
Girard
Trumbull County
Ohio
United States
Kind of home: Girard and its comparisons
Measure
Girard
Trumbull County
Ohio
United States
Detached house
73%
76%
69%
61%
Attached house
6%
4%
5%
6%
Building of 2 to 4
10%
7%
8%
8%
Apartments (5 or more)
Unreliable estimate
9%
15%
19%
Mobile home
Unreliable estimate
4%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Girard: 73% of homes, near the figure in Trumbull County (76%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Girard
Trumbull County
Ohio
United States
Year built: Girard and its comparisons
Measure
Girard
Trumbull County
Ohio
United States
Before 1960
60%
44%
38%
26%
1960–1979
29%
33%
26%
24%
1980–1999
8%
16%
20%
25%
2000–2009
Unreliable estimate
5%
10%
14%
2010 or later
Unreliable estimate
3%
7%
11%
In Girard, half of the homes were built before 1956; in Trumbull County, before 1964.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K36%
$100K–$200K46%
$200K–$300K14%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Girard and its comparisons
Measure
Girard
Under $100K
36%
$100K–$200K
46%
$200K–$300K
14%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99961%
$1,000–$1,49919%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Girard and its comparisons
Measure
Girard
Under $500
Unreliable estimate
$500–$999
61%
$1,000–$1,499
19%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$940 a month
Trumbull County: $1,144 a month
Without a mortgage
$410 a month
Trumbull County: $488 a month
Owners with a mortgage
60%
Trumbull County: 52%
Owning costs less in Girard: with a mortgage, the typical cost is $940 a month; in Trumbull County, $1,144. Without one, $410.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Girard+50%
Trumbull County+38%
Ohio+47%
United States+53%
Typical rent
Girard+21%
Trumbull County+18%
Ohio+28%
United States+33%
Typical household income
Girard+30%
Trumbull County+19%
Ohio+26%
United States+29%
Change since 2015–2019: Girard and its comparisons
Measure
Girard
Trumbull County
Ohio
United States
Typical home value
+50%
+38%
+47%
+53%
Typical rent
+21%
+18%
+28%
+33%
Typical household income
+30%
+19%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Girard rose 50%; in Trumbull County, it rose 38%.
The typical rent in Girard rose 21% over the same time; in Trumbull County, it rose 18%.
To compare: typical income in Girard rose 30%; the home, +50%; the rent, +21%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Girard and its comparisons
Measure
Girard
Trumbull County
Ohio
United States
Rental vacancy
Unreliable estimate
6.0%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.0%
1.5%
3.4%
People per household
2.17
2.28
2.37
2.53
Drive alone
82%
81%
75%
69%
Carpool
7%
9%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
Unreliable estimate
7%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Much as in Trumbull County, a household in Girard has 2.17 people on average.
In Girard, 82% of workers drive alone to work; in Trumbull County, 81%.
Do the math
What would you pay each month for a home in Girard?
A typical home is within reach of the typical income
We start with a typical home in Girard, worth $115,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 22% of the typical household income in Girard, which is $52,550 a year.
The calculator's FHA and conventional loan limits are those of all of Trumbull 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 Girard. 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 $4,043 (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
$982
at 7.18% · 30 years
Loan amount
$113,407
Total interest
$163,167
Paid off in
November 2056
Includes $1,950 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,226 a month
Your payment · 22%
Tight
$1,226 to $1,577 a month
Hard
more than $1,577 a month
Compared with the typical household income in Girard ($52,550 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$768
Property tax
$115
Home insurance
$48
FHA mortgage insurance (MIP)
$51
You need at least $4,043 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 $982; principal and interest $768.
The city and its county
Girard and Trumbull County
Girard is in Trumbull 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).
Girard
Map of Trumbull County, Ohio, with Girard marked. Around it, the neighboring counties.
Girard
Trumbull County
Other cities with a page
Girard's own numbers
Typical home value
$115,500
Typical monthly rent
$769
Typical yearly household income
$52,550
Households that own their home
68%
Effective property tax rate
1.19%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Trumbull 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)
+59%
Homes in a high flood-risk zone
1.4%
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 Trumbull County.
A typical home in Girard is worth $115,500: 19% below the county and 46% below Ohio. With the typical household income in Girard ($52,550 a year), a typical home costs 2.2 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.
Girard2.2 years
Trumbull2.5 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Trumbull County
According to FHFA’s house price index, home prices in Trumbull County rose 92% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Trumbull County.
Yearly change in FHFA’s price index in Trumbull County, 2016 to 2025
2016: +4.9% +4.9% 2016
2017: +4.3% +4.3% 2017
2018: +4.0% +4.0% 2018
2019: +1.9% +1.9% 2019
2020: +4.3% +4.3% 2020
2021: +11.9% +11.9% 2021
2022: +13.7% +13.7% 2022
2023: +10.1% +10.1% 2023
2024: +8.2% +8.2% 2024
2025: +5.1% +5.1% 2025
Change in FHFA’s price index in Trumbull County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+5.1%
+4.8%
+2.9%
5 years (2020–2025)
+59%
+53%
+47%
10 years (2015–2025)
+92%
+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
Girard next to Trumbull 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
Girard$115,500
Trumbull$141,800
Ohio$214,800
United States$332,700
Typical monthly rent
Girard$769
Trumbull$797
Ohio$1,034
United States$1,413
Typical yearly household income
Girard$52,550
Trumbull$56,435
Ohio$71,389
United States$80,734
See the full table
Girard next to Trumbull County and Ohio
Measure
Girard
Trumbull County
Ohio
U.S.
Typical home value
$115,500 ▼19% below the county
$141,800
$214,800
$332,700
Typical monthly rent
$769 ▼4% below the county
$797
$1,034
$1,413
Typical yearly household income
$52,550 ▼7% below the county
$56,435
$71,389
$80,734
Households that own their home
68% ▼3 points below the county
71%
67%
65%
Typical yearly property tax
$1,371 ▼26% below the county
$1,856
$2,822
$3,119
Effective property tax rate
1.19% ▼0.12 points below the county
1.31%
1.31%
0.94%
Renters with high rent for their income
37% ▼10 points below the county
47%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Trumbull 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 Girard
For a typical $115,500 home in Girard, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Girard's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$982a month
Least cash to close
Down payment
$4,043
Cash to close
$7,508
Rate
7.18%
Mortgage insurance
FHA MIP · $51
Conventional, 5% down$961a month
Down payment
$5,775
Cash to close
$9,240
Rate
7.18%
Mortgage insurance
PMI · $55
Conventional, 20% down, no PMI$789a month
Down payment
$23,100
Cash to close
$26,565
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$895a month
Down payment
$17,325
Cash to close
$20,790
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Girard
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$982
$4,043
$113,408
7.18%
FHA MIP · $51
$7,508
580
Conventional, 5% down
$961
$5,775
$109,725
7.18%
PMI · $55
$9,240
620*
Conventional, 20% down, no PMI
$789
$23,100
$92,400
7.18%
None
$26,565
620*
ITIN, 15% down (example)
$895
$17,325
$98,175
8.18%
None
$20,790
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 Girard is $769 a month: 4% below the county. In Girard, 37% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Trumbull 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 Trumbull County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$755
$14.52
$30,200
1 bedroom
$801
$15.40
$32,040
2 bedrooms
$1,003
$19.29
$40,120
3 bedrooms
$1,295
$24.90
$51,800
4 bedrooms
$1,374
$26.42
$54,960
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 Girard
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Girard has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,000 in 44446 to $1,010 in 44420.
1 of the 2 is above the fair market rent for Trumbull County ($1,003).
Fair market rent by ZIP code and size in Girard, fiscal year 2027.
44420
$760
$810
$1,010
$1,300
$1,380
44446
$760
$800
$1,000
$1,300
$1,370
ZIP code2 bd3 bd
44420 $1,010$1,300
44446 $1,000$1,300
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Girard 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 Trumbull County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Girard or Trumbull County. The ones below are statewide in Ohio: they work in Girard 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 Girard or Trumbull 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 Girard and all of Trumbull 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 Girard?
The typical home value in Girard is $115,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Trumbull County it is $141,800.
How much does it cost to rent in Girard?
Typical rent in Girard is $769 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Trumbull County is $1,003.
What is the FHA loan limit in Girard?
Girard uses the FHA limit for all of Trumbull 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 Girard?
The typical homeowner in Girard pays $1,371 a year, according to the U.S. Census Bureau. That is 1.19% of the home’s value; in Trumbull County, the rate is 1.31%.
Where can I find free help to buy or rent in Girard?
There is 1 HUD-approved counseling agency with an office in Trumbull County. They can help you get ready to buy, with your credit, or with rent.
