In Hubbard, a typical home is worth $140,100 and typical rent is $799 a month. Compared with all of Trumbull County, typical household income is 11% higher.
Typical home value from Zillow, September 2021 to September 2026: from $124,964 to $178,498.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hubbard 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: 55% less than in Hubbard ($140,100).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Hubbard rose 7.2%; in Ohio, it rose 3.2%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Hubbard
What homes there are in Hubbard, 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
Hubbard
Trumbull County
Ohio
United States
Kind of home: Hubbard and its comparisons
Measure
Hubbard
Trumbull County
Ohio
United States
Detached house
73%
76%
69%
61%
Attached house
Unreliable estimate
4%
5%
6%
Building of 2 to 4
Unreliable estimate
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%
In Hubbard, 7 in 10 homes are single-family detached houses; in Trumbull County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Hubbard
Trumbull County
Ohio
United States
Year built: Hubbard and its comparisons
Measure
Hubbard
Trumbull County
Ohio
United States
Before 1960
44%
44%
38%
26%
1960–1979
37%
33%
26%
24%
1980–1999
14%
16%
20%
25%
2000–2009
Unreliable estimate
5%
10%
14%
2010 or later
Unreliable estimate
3%
7%
11%
The typical year built in Hubbard is 1965, about the same as in Trumbull County (1964).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitCould be either sideUnreliable estimate
Under $100K21%
$100K–$200K57%
$200K–$300K15%
$300K–$500K8%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Hubbard and its comparisons
Measure
Hubbard
Under $100K
21%
$100K–$200K
57%
$200K–$300K
15%
$300K–$500K
8%
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
With an FHA limit of $541,287, at least 100% of owner-occupied homes in Hubbard sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99962%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Hubbard and its comparisons
Measure
Hubbard
Under $500
Unreliable estimate
$500–$999
62%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,089 a month
Trumbull County: $1,144 a month
Without a mortgage
$502 a month
Trumbull County: $488 a month
Owners with a mortgage
62%
Trumbull County: 52%
In Hubbard, 62% of owners have a mortgage; their typical cost is $1,089 a month, about the same as in Trumbull County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hubbard+40%
Trumbull County+38%
Ohio+47%
United States+53%
Typical rent
HubbardNo clear change
Trumbull County+18%
Ohio+28%
United States+33%
Typical household income
Hubbard+23%
Trumbull County+19%
Ohio+26%
United States+29%
Change since 2015–2019: Hubbard and its comparisons
Measure
Hubbard
Trumbull County
Ohio
United States
Typical home value
+40%
+38%
+47%
+53%
Typical rent
No clear change
+18%
+28%
+33%
Typical household income
+23%
+19%
+26%
+29%
From 2015–2019 to 2020–2024, home values in Hubbard rose at about the same pace as in Trumbull County: 40% against 38%.
Rent in Hubbard moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Hubbard and its comparisons
Measure
Hubbard
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
2.15
2.28
2.37
2.53
Drive alone
84%
81%
75%
69%
Carpool
9%
9%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
7%
7%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.15 on average, against 2.28 in Trumbull County.
To get to work, 84% of workers in Hubbard drive alone; in Trumbull County, 81%.
Do the math
What would you pay each month for a home in Hubbard?
A typical home is within reach of the typical income
We start with a typical home in Hubbard, worth $140,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Hubbard, which is $62,593 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 Hubbard. 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 $4,904 (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
$1,205
at 7.18% · 30 years
Loan amount
$137,562
Total interest
$197,919
Paid off in
November 2056
Includes $2,366 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,461 a month
Your payment · 23%
Tight
$1,461 to $1,878 a month
Hard
more than $1,878 a month
Compared with the typical household income in Hubbard ($62,593 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$932
Property tax
$153
Home insurance
$58
FHA mortgage insurance (MIP)
$62
You need at least $4,904 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 $1,205; principal and interest $932.
The city and its county
Hubbard and Trumbull County
Hubbard 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).
Hubbard
Map of Trumbull County, Ohio, with Hubbard marked. Around it, the neighboring counties.
Hubbard
Trumbull County
Other cities with a page
Hubbard's own numbers
Typical home value
$140,100
Typical monthly rent
$799
Typical yearly household income
$62,593
Households that own their home
73%
Effective property tax rate
1.31%
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 Hubbard is worth $140,100: about the same as the county and 35% below Ohio. With the typical household income in Hubbard ($62,593 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.
Hubbard2.2 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
Hubbard 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
Hubbard$140,100
Trumbull$141,800
Ohio$214,800
United States$332,700
Typical monthly rent
Hubbard$799
Trumbull$797
Ohio$1,034
United States$1,413
Typical yearly household income
Hubbard$62,593
Trumbull$56,435
Ohio$71,389
United States$80,734
See the full table
Hubbard next to Trumbull County and Ohio
Measure
Hubbard
Trumbull County
Ohio
U.S.
Typical home value
$140,100
$141,800
$214,800
$332,700
Typical monthly rent
$799
$797
$1,034
$1,413
Typical yearly household income
$62,593 ▲11% above the county
$56,435
$71,389
$80,734
Households that own their home
73% ▲2 points above the county
71%
67%
65%
Typical yearly property tax
$1,833
$1,856
$2,822
$3,119
Effective property tax rate
1.31%
1.31%
1.31%
0.94%
Renters with high rent for their income
42% ▼5 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 Hubbard
For a typical $140,100 home in Hubbard, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hubbard's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,205a month
Least cash to close
Down payment
$4,904
Cash to close
$9,107
Rate
7.18%
Mortgage insurance
FHA MIP · $62
Conventional, 5% down$1,179a month
Down payment
$7,005
Cash to close
$11,208
Rate
7.18%
Mortgage insurance
PMI · $67
Conventional, 20% down, no PMI$971a month
Down payment
$28,020
Cash to close
$32,223
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,100a month
Down payment
$21,015
Cash to close
$25,218
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hubbard
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,205
$4,904
$137,562
7.18%
FHA MIP · $62
$9,107
580
Conventional, 5% down
$1,179
$7,005
$133,095
7.18%
PMI · $67
$11,208
620*
Conventional, 20% down, no PMI
$971
$28,020
$112,080
7.18%
None
$32,223
620*
ITIN, 15% down (example)
$1,100
$21,015
$119,085
8.18%
None
$25,218
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 Hubbard is $799 a month: about the same as the county. In Hubbard, 42% 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 Hubbard
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hubbard is in ZIP code 44425.
For 2 bedrooms it is $1,020: $17 more than the fair market rent for Trumbull County ($1,003).
Fair market rent by ZIP code and size in Hubbard, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
44425
$770
$810
$1,020
$1,320
$1,400
ZIP code2 bd3 bd
44425 $1,020$1,320
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hubbard 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 4 buildings with rents for lower incomes in Hubbard. These are the largest.
Hubbard Manor105 W Liberty St, Hubbard 44425165 low-income homes · Run by Trumbull Metropolitan Housing Authority · Average payment: $355 a month · Average wait: 52 months(330) 369-1533
West Park Manor601 W Park Ave, Hubbard 4442550 low-income homes · For older adults(330) 448-1760
Eagle Creek Apts.216 Myron St, Hubbard 4442534 low-income homes · For older adults(330) 369-1533
Ten Walnut143 N Main St, Hubbard 444253 low-income homes · In service since 1988
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 Hubbard or Trumbull County. The ones below are statewide in Ohio: they work in Hubbard 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 Hubbard 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 Hubbard 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 Hubbard?
The typical home value in Hubbard is $140,100, 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 Hubbard?
Typical rent in Hubbard is $799 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 Hubbard?
Hubbard 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 Hubbard?
The typical homeowner in Hubbard pays $1,833 a year, according to the U.S. Census Bureau. That is 1.31% of the home’s value; in Trumbull County, the rate is 1.31%.
Where can I find free help to buy or rent in Hubbard?
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.
