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City · 10,768 residents · Lawrence County, Ohio

Ironton , Ohio

In Ironton, a typical home is worth $106,700 and typical rent is $782 a month. Compared with all of Lawrence County, the typical home value is 26% lower, typical household income is 18% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $106,700

    26% below the county

    50% below Ohio

    • Ironton
    • Lawrence
    • Ohio

  • Typical rent

    $782a month

    8% below the county

    24% below Ohio

    • Ironton
    • Lawrence
    • Ohio

  • Typical household income

    $47,648a year

    18% below the county

    33% below Ohio

    • Ironton
    • Lawrence
    • Ohio

  • Households that own their home

    60%

    12 points below the county

    7 points below Ohio

    • Ironton
    • Lawrence
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$125,551
5.2% more than 12 months ago

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

Ironton is in Lawrence 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 Lawrence County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Ironton apart

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

  1. Ironton has the 15th lowest typical home value of the 292 cities in Ohio with more than 5,000 people ($106,700).

  2. 60% of households in Ironton own their home, against 72% in Lawrence County.

  3. The typical household income in Ironton is $47,648, 18% less than in Lawrence County as a whole ($58,325).

  4. Ironton has the 29th lowest typical rent of the 285 cities in Ohio with more than 5,000 people ($782).

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

The homes here

Housing in Ironton

What homes there are in Ironton, 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 houses, standing on their own, make up 80% of homes here, against 73% in Lawrence County.

Year built

The typical home in Ironton was built in 1951, 24 years before the typical one in Lawrence County.

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

By rent, most homes in Ironton cost less than HUD's 2-bedroom fair market rent ($1,006): about 74%.

With a mortgage

$1,083 a month

Lawrence County: $1,239 a month

Without a mortgage

$510 a month

Lawrence County: $509 a month

Owners with a mortgage

47%

Lawrence County: 45%

Owning costs less in Ironton: with a mortgage, the typical cost is $1,083 a month; in Lawrence County, $1,239. Without one, $510.

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 Ironton stayed about the same since 2015–2019: the Census sees no clear change.

Since 2015–2019, the typical rent in Ironton rose 27%, more than in Lawrence County (16%).

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

MeasureIrontonLawrence CountyOhioUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.4%5.5%
Homeowner vacancy Unreliable estimate1.7%0.8%0.9%
More than one person per room Unreliable estimate1.6%1.5%3.4%
People per household 2.292.482.372.53
Drive alone 85%84%75%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 7%5%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Ironton has 2.29 people, fewer than in Lawrence County (2.48).

To get to work, 85% of workers in Ironton drive alone; in Lawrence County, 84%.

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 Ironton?

A typical home is within reach of the typical income

We start with a typical home in Ironton, worth $106,700, 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 Ironton, which is $47,648 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Ironton. 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 $3,735 (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

$893

at 7.18% · 30 years

Loan amount
$104,767
Total interest
$150,735
Paid off in
November 2056

Includes $1,802 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,112 a month

    Your payment · 22%

  • Tight

    $1,112 to $1,429 a month

  • Hard

    more than $1,429 a month

Compared with the typical household income in Ironton ($47,648 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$893
Principal & interest$710
Property tax$92
Home insurance$45
FHA mortgage insurance (MIP)$47

You need at least $3,735 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

Ironton and Lawrence County

Ironton is in Lawrence 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).

Ironton's own numbers

Typical home value
$106,700
Typical monthly rent
$782
Typical yearly household income
$47,648
Households that own their home
60%
Effective property tax rate
1.03%

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

Numbers for all of Lawrence County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,006
Price change over 5 years (FHFA)
+36%
Homes in a high flood-risk zone
7.9%

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 Lawrence County.

Everything about Lawrence County

Buying

Buying a home in Ironton

A typical home in Ironton is worth $106,700: 26% below the county and 50% below Ohio. With the typical household income in Ironton ($47,648 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.

  • Ironton 2.2 years
  • Lawrence 2.5 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lawrence County

According to FHFA’s house price index, home prices in Lawrence County rose 48% in the 10 years through 2025.

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

Period County Ohio U.S.
Last year (2025) −0.4% +4.8% +2.9%
5 years (2020–2025) +36% +53% +47%
10 years (2015–2025) +48% +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

Ironton next to Lawrence 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
  • Ironton $106,700
  • Lawrence $144,000
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Ironton $782
  • Lawrence $848
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Ironton $47,648
  • Lawrence $58,325
  • Ohio $71,389
  • United States $80,734
See the full table
Ironton next to Lawrence County and Ohio
Measure Ironton Lawrence County Ohio U.S.
Typical home value $106,700 $144,000 $214,800 $332,700
Typical monthly rent $782 $848 $1,034 $1,413
Typical yearly household income $47,648 $58,325 $71,389 $80,734
Households that own their home 60% 72% 67% 65%
Typical yearly property tax $1,103 $1,215 $2,822 $3,119
Effective property tax rate 1.03% 0.84% 1.31% 0.94%
Renters with high rent for their income 50% 44% 46% 51%

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

For a typical $106,700 home in Ironton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ironton's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $893a month

    Least cash to close
    Down payment
    $3,735
    Cash to close
    $6,936
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $47

  • Conventional, 5% down $873a month

    Down payment
    $5,335
    Cash to close
    $8,536
    Rate
    7.18%
    Mortgage insurance
    PMI · $51

  • Conventional, 20% down, no PMI $714a month

    Down payment
    $21,340
    Cash to close
    $24,541
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $813a month

    Down payment
    $16,005
    Cash to close
    $19,206
    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 Ironton and for Lawrence County.

Property tax

Effective rate in Ironton

1.03%of the home’s value each year

$1,103 a year for the typical owner in Ironton.

  • Ironton 1.03%
  • Lawrence 0.84%
  • 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 Lawrence County

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

Homes in the high-risk zone
7.9%
2,250
Of those, with NFIP insurance
9.1%
County Ohio U.S.
Homes in the high-risk zone 7.9% 1.7% 3.5%
Of those, with NFIP insurance 9.1% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Ironton

Typical rent in Ironton is $782 a month: 8% below the county. In Ironton, 50% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lawrence County, by unit size. To pay the 2-bedroom one ($1,006 a month) without spending more than 30% of your income, you would need to earn $19.35 an hour working full time.

HUD fair market rent for all of Lawrence 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 $858 $16.50 $34,320
1 bedroom $864 $16.62 $34,560
2 bedrooms $1,006 $19.35 $40,240
3 bedrooms $1,287 $24.75 $51,480
4 bedrooms $1,393 $26.79 $55,720

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 Ironton

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ironton is in ZIP code 45638.

For 2 bedrooms it is $1,000: $6 less than the fair market rent for Lawrence County ($1,006).

  • 45638 $1,000$1,290

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

HUD lists 8 buildings with rents for lower incomes in Ironton. These are the largest.

  • Sherman Thompson Towers 275 N 3rd St, Ironton 45638 151 low-income homes · In service since 2017 · For older adults (740) 532-0694
  • River Hills Apartments 720 Washington St, Ironton 45638 142 homes, 131 low-income · Run by Ironton Metropolitan Housing Authority · Average payment: $364 a month · Average wait: 10 months · Homes at several sites (740) 532-8658
  • River Hills Apartments 703 S 9th St, Ironton 45638 118 low-income homes · Run by Ironton Metropolitan Housing Authority · Average payment: $331 a month · Average wait: 11 months · Homes at several sites (740) 532-8658
  • Storms Creek Apts 1505 Lawrence St, Ironton 45638 50 low-income homes · 2 bd: 16 · 3 bd: 34 · In service since 2001 · For older adults
  • Park Avenue Apts 202 Park Ave, Ironton 45638 50 homes, 40 low-income · 1 bd: 35 · 2 bd: 15 · In service since 1999 · For older adults

See all 12 buildings in Lawrence County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Ironton

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 Lawrence County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Ironton

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

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

  • Nid-Hca Franklin County-Glenn

    35 E Gay St Suite 504, Columbus · 100 miles away

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

  • Columbus Urban League

    788 Mount Vernon Ave, Columbus · 101 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 2 more
    (614) 257-6300

  • Homes on the Hill

    3659 Soldano Blvd, Columbus · 101 miles away

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

All counseling agencies in Ohio

Help in Spanish near Ironton

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 Ironton

HUD’s record names them for Ironton or Lawrence County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Ironton Metropolitan Housing Authority Public housing and Section 8 vouchers (740) 532-8658

All housing agencies in Ohio Source: HUD

Cities

Nearby cities

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

Everything about Lawrence County Housing in Ohio

Neighboring counties

If Lawrence 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 Ironton.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Ironton

Short answers with the numbers for Ironton and all of Lawrence 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 Ironton?

The typical home value in Ironton is $106,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lawrence County it is $144,000.

How much does it cost to rent in Ironton?

Typical rent in Ironton is $782 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lawrence County is $1,006.

What is the FHA loan limit in Ironton?

Ironton uses the FHA limit for all of Lawrence 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 Ironton?

The typical homeowner in Ironton pays $1,103 a year, according to the U.S. Census Bureau. That is 1.03% of the home’s value; in Lawrence County, the rate is 0.84%.

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

We found no HUD-approved counseling agencies with an office in Lawrence County; the nearest ones are on this page. 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).