In Hillsboro, a typical home is worth $149,200 and typical rent is $770 a month. Compared with all of Highland County, typical household income is 16% lower, the typical home value is 12% lower, and the share of households that own their home is 21 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $152,357 to $210,137.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hillsboro is in Highland 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 Highland County. See the county
What this place has that others do not, from public data, most unusual first.
1
53% of households in Hillsboro own their home, against 74% in Highland County.
2
The typical household income in Hillsboro is $55,521,16% less than in Highland County as a whole ($65,785).
3
Hillsboro has the 22nd lowest typical rent of the 285 cities in Ohio with more than 5,000 people ($770).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Hillsboro
What homes there are in Hillsboro, 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
Hillsboro
Highland County
Ohio
United States
Kind of home: Hillsboro and its comparisons
Measure
Hillsboro
Highland County
Ohio
United States
Detached house
64%
74%
69%
61%
Attached house
Unreliable estimate
3%
5%
6%
Building of 2 to 4
11%
6%
8%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
15%
19%
Mobile home
Unreliable estimate
14%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Hillsboro, but it weighs less than in Highland County: 64% against 74%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Hillsboro
Highland County
Ohio
United States
Year built: Hillsboro and its comparisons
Measure
Hillsboro
Highland County
Ohio
United States
Before 1960
41%
32%
38%
26%
1960–1979
25%
19%
26%
24%
1980–1999
26%
31%
20%
25%
2000–2009
5%
12%
10%
14%
2010 or later
Unreliable estimate
6%
7%
11%
The typical home in Hillsboro was built in 1971, 8 years before the typical one in Highland County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K29%
$100K–$200K37%
$200K–$300K26%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Hillsboro and its comparisons
Measure
Hillsboro
Under $100K
29%
$100K–$200K
37%
$200K–$300K
26%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50020%
$500–$99963%
$1,000–$1,499Unreliable
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: Hillsboro and its comparisons
Measure
Hillsboro
Under $500
20%
$500–$999
63%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a HUD fair market rent of $1,003 for 2 bedrooms, at least 84% of rented homes in Hillsboro sit below it.
With a mortgage
$1,100 a month
Highland County: $1,247 a month
Without a mortgage
$553 a month
Highland County: $482 a month
Owners with a mortgage
54%
Highland County: 58%
Owning costs less in Hillsboro: with a mortgage, the typical cost is $1,100 a month; in Highland County, $1,247. Without one, $553.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hillsboro+41%
Highland County+44%
Ohio+47%
United States+53%
Typical rent
Hillsboro+21%
Highland County+15%
Ohio+28%
United States+33%
Typical household income
Hillsboro+73%
Highland County+49%
Ohio+26%
United States+29%
Change since 2015–2019: Hillsboro and its comparisons
Measure
Hillsboro
Highland County
Ohio
United States
Typical home value
+41%
+44%
+47%
+53%
Typical rent
+21%
+15%
+28%
+33%
Typical household income
+73%
+49%
+26%
+29%
The typical home value in Hillsboro rose 41% since 2015–2019, about the same as in Highland County (44%).
Rents in Hillsboro rose faster than in Highland County: 21% since 2015–2019, against 15%.
Here income gained ground: typical income rose 73%, against +41% for home values and +21% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Hillsboro and its comparisons
Measure
Hillsboro
Highland 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
2.3%
1.5%
3.4%
People per household
2.22
2.54
2.37
2.53
Drive alone
82%
80%
75%
69%
Carpool
12%
11%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
7%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.22 on average, against 2.54 in Highland County.
In Hillsboro, 82% of workers drive alone to work; in Highland County, 80%.
Do the math
What would you pay each month for a home in Hillsboro?
A typical home is within reach of the typical income
We start with a typical home in Hillsboro, worth $149,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Hillsboro, which is $55,521 a year.
The calculator's FHA and conventional loan limits are those of all of Highland 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 Hillsboro. 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 $5,222 (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
$1,224
at 7.18% · 30 years
Loan amount
$146,498
Total interest
$210,776
Paid off in
November 2056
Includes $2,520 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,295 a month
Your payment · 26%
Tight
$1,295 to $1,666 a month
Hard
more than $1,666 a month
Compared with the typical household income in Hillsboro ($55,521 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$992
Property tax
$103
Home insurance
$62
FHA mortgage insurance (MIP)
$66
You need at least $5,222 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 $1,224; principal and interest $992.
The city and its county
Hillsboro and Highland County
Hillsboro is in Highland 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).
Hillsboro
Map of Highland County, Ohio, with Hillsboro marked. Around it, the neighboring counties.
Hillsboro
Highland County
Other cities with a page
Hillsboro's own numbers
Typical home value
$149,200
Typical monthly rent
$770
Typical yearly household income
$55,521
Households that own their home
53%
Effective property tax rate
0.83%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Highland 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)
+61%
Homes in a high flood-risk zone
0.4%
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 Highland County.
A typical home in Hillsboro is worth $149,200: 12% below the county and 31% below Ohio. With the typical household income in Hillsboro ($55,521 a year), a typical home costs 2.7 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.
Hillsboro2.7 years
Highland2.6 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Highland County
According to FHFA’s house price index, home prices in Highland County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Highland County.
Yearly change in FHFA’s price index in Highland County, 2016 to 2025
2016: +3.5% +3.5% 2016
2017: +2.3% +2.3% 2017
2018: +5.6% +5.6% 2018
2019: +6.9% +6.9% 2019
2020: +4.0% +4.0% 2020
2021: +15.0% +15.0% 2021
2022: +15.8% +15.8% 2022
2023: +7.2% +7.2% 2023
2024: +6.8% +6.8% 2024
2025: +5.8% +5.8% 2025
Change in FHFA’s price index in Highland County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+5.8%
+4.8%
+2.9%
5 years (2020–2025)
+61%
+53%
+47%
10 years (2015–2025)
+101%
+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
Hillsboro next to Highland 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
Hillsboro$149,200
Highland$168,900
Ohio$214,800
United States$332,700
Typical monthly rent
Hillsboro$770
Highland$780
Ohio$1,034
United States$1,413
Typical yearly household income
Hillsboro$55,521
Highland$65,785
Ohio$71,389
United States$80,734
See the full table
Hillsboro next to Highland County and Ohio
Measure
Hillsboro
Highland County
Ohio
U.S.
Typical home value
$149,200 ▼12% below the county
$168,900
$214,800
$332,700
Typical monthly rent
$770
$780
$1,034
$1,413
Typical yearly household income
$55,521 ▼16% below the county
$65,785
$71,389
$80,734
Households that own their home
53% ▼21 points below the county
74%
67%
65%
Typical yearly property tax
$1,241 ▼19% below the county
$1,533
$2,822
$3,119
Effective property tax rate
0.83% ▼0.08 points below the county
0.91%
1.31%
0.94%
Renters with high rent for their income
51% ▲11 points above the county
40%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Highland 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 Hillsboro
For a typical $149,200 home in Hillsboro, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hillsboro's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,224a month
Least cash to close
Down payment
$5,222
Cash to close
$9,698
Rate
7.18%
Mortgage insurance
FHA MIP · $66
Conventional, 5% down$1,196a month
Down payment
$7,460
Cash to close
$11,936
Rate
7.18%
Mortgage insurance
PMI · $71
Conventional, 20% down, no PMI$974a month
Down payment
$29,840
Cash to close
$34,316
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,112a month
Down payment
$22,380
Cash to close
$26,856
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hillsboro
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,224
$5,222
$146,498
7.18%
FHA MIP · $66
$9,698
580
Conventional, 5% down
$1,196
$7,460
$141,740
7.18%
PMI · $71
$11,936
620*
Conventional, 20% down, no PMI
$974
$29,840
$119,360
7.18%
None
$34,316
620*
ITIN, 15% down (example)
$1,112
$22,380
$126,820
8.18%
None
$26,856
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 Hillsboro is $770 a month: about the same as the county. In Hillsboro, 51% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Highland 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 Highland County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$698
$13.42
$27,920
1 bedroom
$902
$17.35
$36,080
2 bedrooms
$1,003
$19.29
$40,120
3 bedrooms
$1,195
$22.98
$47,800
4 bedrooms
$1,525
$29.33
$61,000
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 Hillsboro
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hillsboro is in ZIP code 45133.
For 2 bedrooms it is $1,000: $3 less than the fair market rent for Highland County ($1,003).
Fair market rent by ZIP code and size in Hillsboro, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
45133
$720
$900
$1,000
$1,230
$1,530
ZIP code2 bd3 bd
45133 $1,000$1,230
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hillsboro 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)
HUD lists 8 buildings with rents for lower incomes in Hillsboro. These are the largest.
Cedar Woods222 Cedar Woods Dr, Hillsboro 4513394 low-income homes · For families(937) 393-1587
Cedar Woods Apts (hillsboro)220 Cedar Woods Dr, Hillsboro 4513394 low-income homes · 1 bd: 32 · 2 bd: 42 · 3 bd: 16 · 4 bd: 4 · In service since 2010 · For families
Hi-Land Terrace Apartments737 N West St, Hillsboro 4513348 low-income homes · For families(937) 393-2733
Highland Heights Apts271 Harry Sauner Rd, Hillsboro 4513348 low-income homes · 2 bd: 28 · 3 bd: 20 · In service since 2001
Golden Manor415 N East St, Hillsboro 4513344 low-income homes · For older adults(937) 393-9378
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 Highland County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Hillsboro or Highland County. The ones below are statewide in Ohio: they work in Hillsboro 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 Hillsboro or Highland 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 Hillsboro and all of Highland 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 Hillsboro?
The typical home value in Hillsboro is $149,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Highland County it is $168,900.
How much does it cost to rent in Hillsboro?
Typical rent in Hillsboro is $770 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Highland County is $1,003.
What is the FHA loan limit in Hillsboro?
Hillsboro uses the FHA limit for all of Highland 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 Hillsboro?
The typical homeowner in Hillsboro pays $1,241 a year, according to the U.S. Census Bureau. That is 0.83% of the home’s value; in Highland County, the rate is 0.91%.
Where can I find free help to buy or rent in Hillsboro?
We found no HUD-approved counseling agencies with an office in Highland County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
