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City · 38,033 residents · Franklin County, Ohio

Hilliard , Ohio

In Hilliard, a typical home is worth $385,100 and typical rent is $1,632 a month. Compared with all of Franklin County, typical household income is 71% higher, the typical home value is 34% higher, and the share of households that own their home is 16 points higher.

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  • Typical home value

    $385,100

    34% above the county

    79% above Ohio

    • Hilliard
    • Franklin
    • Ohio

  • Typical rent

    $1,632a month

    25% above the county

    58% above Ohio

    • Hilliard
    • Franklin
    • Ohio

  • Typical household income

    $128,189a year

    71% above the county

    80% above Ohio

    • Hilliard
    • Franklin
    • Ohio

  • Households that own their home

    69%

    16 points above the county

    2 points above Ohio

    • Hilliard
    • Franklin
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$380,847
0.6% more than 12 months ago
Typical rent
$1,573 a month
1.3% more than 12 months ago

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

Hilliard is in Franklin County. The FHA loan limit ($591,100 for a one-unit home), the fair market rents and the help on this page are those of all of Franklin County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hilliard apart

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

  1. The typical household income in Hilliard is $128,189, 71% more than in Franklin County as a whole ($75,176).

  2. Nearby, in Lincoln Village, the typical home value is $169,100: 56% less than in Hilliard ($385,100).

  3. Nearby, in Lincoln Village, the typical rent is $1,043: 36% less than in Hilliard ($1,632).

  4. The typical home in Hilliard is worth $385,100, 34% more than in Franklin County as a whole ($288,400).

  5. 69% of households in Hilliard own their home, against 53% in Franklin County.

  6. The typical rent in Hilliard is $1,632 a month, 25% more than in Franklin County as a whole ($1,302).

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

The homes here

Housing in Hilliard

What homes there are in Hilliard, 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

The detached house rules in Hilliard: 64% of homes, more than in Franklin County (52%).

Year built

The typical home in Hilliard was built in 1997, 18 years after the typical one in Franklin County.

In Hilliard, 67% of homes have 3 bedrooms or more, more than in Franklin County (53%).

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
Monthly rent with utilities

With a mortgage

$2,388 a month

Franklin County: $1,781 a month

Without a mortgage

$1,052 a month

Franklin County: $748 a month

Owners with a mortgage

73%

Franklin County: 70%

In Hilliard, 73% of owners have a mortgage, and their typical cost is $2,388 a month, against $1,781 in Franklin County. Without one it drops to $1,052.

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

The typical home value in Hilliard rose 51% since 2015–2019, less than in Franklin County (65%).

The typical rent in Hilliard rose 40% over the same time; in Franklin County, it rose 34%.

Here income did not keep up with housing: it rose 32%, while home values changed +51% and rent +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

MeasureHilliardFranklin CountyOhioUnited States
Rental vacancy Unreliable estimate3.8%4.4%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room Unreliable estimate2.5%1.5%3.4%
People per household 2.662.362.372.53
Drive alone 71%68%75%69%
Carpool 5%7%8%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 24%19%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.66 on average, against 2.36 in Franklin County.

Many people here do not commute at all: 24% work from home; in Franklin County, 19%.

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 Hilliard?

A typical home is tight for the typical income

We start with a typical home in Hilliard, worth $385,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Hilliard, which is $128,189 a year. For that payment to be 28% of income, a household would need to earn about $149,539 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hilliard. 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 $13,479 (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

$3,489

at 7.18% · 30 years

Loan amount
$378,124
Total interest
$544,032
Paid off in
November 2056

Includes $6,503 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,991 a month

  • Tight

    $2,991 to $3,846 a month

    Your payment · 33%

  • Hard

    more than $3,846 a month

Compared with the typical household income in Hilliard ($128,189 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,489
Principal & interest$2,562
Property tax$597
Home insurance$161
FHA mortgage insurance (MIP)$170

You need at least $13,479 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

Hilliard and Franklin County

Hilliard is in Franklin 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).

Hilliard's own numbers

Typical home value
$385,100
Typical monthly rent
$1,632
Typical yearly household income
$128,189
Households that own their home
69%
Effective property tax rate
1.86%

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

Numbers for all of Franklin County

FHA limit, one-unit home
$591,100
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,602
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
1.1%

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 Franklin County.

Everything about Franklin County

Buying

Buying a home in Hilliard

A typical home in Hilliard is worth $385,100: 34% above the county and 79% above Ohio. With the typical household income in Hilliard ($128,189 a year), a typical home costs 3.0 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.

  • Hilliard 3.0 years
  • Franklin 3.8 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Franklin County

According to FHFA’s house price index, home prices in Franklin County rose 107% in the 10 years through 2025.

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

Period County Ohio U.S.
Last year (2025) +3.2% +4.8% +2.9%
5 years (2020–2025) +51% +53% +47%
10 years (2015–2025) +107% +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

Hilliard next to Franklin 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
  • Hilliard $385,100
  • Franklin $288,400
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Hilliard $1,632
  • Franklin $1,302
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Hilliard $128,189
  • Franklin $75,176
  • Ohio $71,389
  • United States $80,734
See the full table
Hilliard next to Franklin County and Ohio
Measure Hilliard Franklin County Ohio U.S.
Typical home value $385,100 $288,400 $214,800 $332,700
Typical monthly rent $1,632 $1,302 $1,034 $1,413
Typical yearly household income $128,189 $75,176 $71,389 $80,734
Households that own their home 69% 53% 67% 65%
Typical yearly property tax $7,174 $4,244 $2,822 $3,119
Effective property tax rate 1.86% 1.47% 1.31% 0.94%
Renters with high rent for their income 34% 46% 46% 51%

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

For a typical $385,100 home in Hilliard, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hilliard's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,489a month

    Least cash to close
    Down payment
    $13,479
    Cash to close
    $25,032
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $170

  • Conventional, 5% down $3,419a month

    Down payment
    $19,255
    Cash to close
    $30,808
    Rate
    7.18%
    Mortgage insurance
    PMI · $183

  • Conventional, 20% down, no PMI $2,844a month

    Down payment
    $77,020
    Cash to close
    $88,573
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,200a month

    Down payment
    $57,765
    Cash to close
    $69,318
    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 Hilliard and for Franklin County.

Property tax

Effective rate in Hilliard

1.86%of the home’s value each year

$7,174 a year for the typical owner in Hilliard.

  • Hilliard 1.86%
  • Franklin 1.47%
  • 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 Franklin County

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

Homes in the high-risk zone
1.1%
4,209
Of those, with NFIP insurance
17%
County Ohio U.S.
Homes in the high-risk zone 1.1% 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 Hilliard

Typical rent in Hilliard is $1,632 a month: 25% above the county. In Hilliard, 34% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Franklin County, by unit size. To pay the 2-bedroom one ($1,602 a month) without spending more than 30% of your income, you would need to earn $30.81 an hour working full time.

HUD fair market rent for all of Franklin 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 $1,258 $24.19 $50,320
1 bedroom $1,346 $25.88 $53,840
2 bedrooms $1,602 $30.81 $64,080
3 bedrooms $1,909 $36.71 $76,360
4 bedrooms $2,172 $41.77 $86,880

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 Hilliard

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hilliard is in ZIP code 43026.

For 2 bedrooms it is $1,920: $318 more than the fair market rent for Franklin County ($1,602).

  • 43026 $1,920$2,290

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

HUD lists 9 buildings with rents for lower incomes in Hilliard. These are the largest.

  • Wellington Village 5863 Scioto Darby Rd, Hilliard 43026 112 low-income homes · 1 bd: 88 · 2 bd: 24 · In service since 2002 · For older adults
  • Bayside Commons II 2392 Sebago Ln, Hilliard 43026 108 low-income homes · In service since 1992
  • Country Ridge Apts 5623 Farmhouse Ln, Hilliard 43026 96 homes, 95 low-income · 2 bd: 48 · 3 bd: 48 · In service since 1998
  • Willow Bend Townhomes 1531 Whispering Willow Ln, Hilliard 43026 92 low-income homes · 3 bd: 92 · In service since 2010
  • Nike Meadows 2060 Arway Dr, Hilliard 43026 60 low-income homes · In service since 1988

See all 338 buildings in Franklin County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hilliard

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 are 7 HUD-approved agencies with an office in Franklin County; none says it serves in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Hilliard

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

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

  • Homes on the Hill

    3659 Soldano Blvd, Columbus · 6 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (614) 275-4663

  • Ohio State University Extension

    1960 Kenny Rd, Columbus · 7 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (614) 247-9151

  • Nid-Hca Franklin County-Glenn

    35 E Gay St Suite 504, Columbus · 10 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (614) 264-2896

Every agency in Franklin County All counseling agencies in Ohio

Help in Spanish near Hilliard

None of the 3 agencies on this list say they serve 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 Hilliard

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

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

Cities

Other cities in Franklin County

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

Everything about Franklin County Housing in Ohio
See 5 more cities in Franklin County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Franklin 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 Hilliard.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Hilliard

Short answers with the numbers for Hilliard and all of Franklin 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 Hilliard?

The typical home value in Hilliard is $385,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Franklin County it is $288,400.

How much does it cost to rent in Hilliard?

Typical rent in Hilliard is $1,632 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Franklin County is $1,602.

What is the FHA loan limit in Hilliard?

Hilliard uses the FHA limit for all of Franklin County (2026): $591,100 for a one-unit home and $1,136,750 for a four-unit home.

How much property tax do owners pay in Hilliard?

The typical homeowner in Hilliard pays $7,174 a year, according to the U.S. Census Bureau. That is 1.86% of the home’s value; in Franklin County, the rate is 1.47%.

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

There are 7 HUD-approved counseling agencies with an office in Franklin 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).