In Mansfield, a typical home is worth $119,600 and typical rent is $814 a month. Compared with all of Richland County, the typical home value is 27% lower, typical household income is 25% lower, and the share of households that own their home is 17 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $107,791 to $152,993.
Typical rent
$852a month
▲ 5.7% more than 12 months ago
Typical rent from Zillow, June 2023 to September 2026: from $690 to $852.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Mansfield is in Richland 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 Richland County. See the county
What this place has that others do not, from public data, most unusual first.
1
50% of households in Mansfield own their home, against 68% in Richland County.
2
The typical home in Mansfield is worth $119,600,27% less than in Richland County as a whole ($164,800).
3
Mansfield has the 17th lowest typical household income of the 292 cities in Ohio with more than 5,000 people ($44,540).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Mansfield
What homes there are in Mansfield, 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
Mansfield
Richland County
Ohio
United States
Kind of home: Mansfield and its comparisons
Measure
Mansfield
Richland County
Ohio
United States
Detached house
59%
72%
69%
61%
Attached house
7%
5%
5%
6%
Building of 2 to 4
15%
9%
8%
8%
Apartments (5 or more)
16%
10%
15%
19%
Mobile home
3%
4%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Mansfield (59%), but less so than in Richland County (72%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Mansfield
Richland County
Ohio
United States
Year built: Mansfield and its comparisons
Measure
Mansfield
Richland County
Ohio
United States
Before 1960
52%
43%
38%
26%
1960–1979
27%
31%
26%
24%
1980–1999
14%
17%
20%
25%
2000–2009
6%
7%
10%
14%
2010 or later
2%
3%
7%
11%
In Mansfield, half of the homes were built before 1959; in Richland County, before 1965.
Homes in Mansfield are smaller: 50% have 3 bedrooms or more; in Richland County, 62%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K42%
$100K–$200K35%
$200K–$300K17%
$300K–$500K5%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Mansfield and its comparisons
Measure
Mansfield
Under $100K
42%
$100K–$200K
35%
$200K–$300K
17%
$300K–$500K
5%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
At least 98% of owner-occupied homes in Mansfield are worth less than $500,000, below the FHA loan limit for Richland County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50015%
$500–$99959%
$1,000–$1,49921%
HUD fair market rent, 2 bedrooms: $1,035
$1,500–$1,9992%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Mansfield and its comparisons
Measure
Mansfield
Under $500
15%
$500–$999
59%
$1,000–$1,499
21%
$1,500–$1,999
2%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 75% of rented homes in Mansfield cost less than HUD's 2-bedroom fair market rent for Richland County ($1,035).
With a mortgage
$1,095 a month
Richland County: $1,218 a month
Without a mortgage
$413 a month
Richland County: $489 a month
Owners with a mortgage
49%
Richland County: 54%
The typical cost for an owner with a mortgage in Mansfield is $1,095 a month, less than in Richland County ($1,218); without one, $413.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Mansfield+50%
Richland County+49%
Ohio+47%
United States+53%
Typical rent
Mansfield+28%
Richland County+21%
Ohio+28%
United States+33%
Typical household income
Mansfield+18%
Richland County+20%
Ohio+26%
United States+29%
Change since 2015–2019: Mansfield and its comparisons
Measure
Mansfield
Richland County
Ohio
United States
Typical home value
+50%
+49%
+47%
+53%
Typical rent
+28%
+21%
+28%
+33%
Typical household income
+18%
+20%
+26%
+29%
The typical home value in Mansfield rose 50% since 2015–2019, about the same as in Richland County (49%).
The typical rent in Mansfield rose 28% over the same time; in Richland County, it rose 21%.
Here income did not keep up with housing: it rose 18%, while home values changed +50% and rent +28%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Mansfield and its comparisons
Measure
Mansfield
Richland County
Ohio
United States
Rental vacancy
5.5%
5.4%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
1.8%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.2%
1.5%
3.4%
People per household
2.13
2.36
2.37
2.53
Drive alone
79%
81%
75%
69%
Carpool
12%
10%
8%
9%
Public transit
1%
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
6%
6%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Open rentals in Mansfield look like those in Richland County: the rental vacancy rate is 5.5%.
Households in Mansfield are smaller: 2.13 people on average; in Richland County, 2.36.
In Mansfield, 79% of workers drive alone to work; in Richland County, 81%.
Do the math
What would you pay each month for a home in Mansfield?
A typical home is within reach of the typical income
We start with a typical home in Mansfield, worth $119,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Mansfield, which is $44,540 a year.
The calculator's FHA and conventional loan limits are those of all of Richland 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 Mansfield. 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 $4,186 (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
$1,022
at 7.18% · 30 years
Loan amount
$117,434
Total interest
$168,960
Paid off in
November 2056
Includes $2,020 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,039 a month
Your payment · 28%
Tight
$1,039 to $1,336 a month
Hard
more than $1,336 a month
Compared with the typical household income in Mansfield ($44,540 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$796
Property tax
$124
Home insurance
$50
FHA mortgage insurance (MIP)
$53
You need at least $4,186 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 $1,022; principal and interest $796.
The city and its county
Mansfield and Richland County
Mansfield is in Richland 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).
Mansfield
Map of Richland County, Ohio, with Mansfield marked. Around it, the neighboring counties.
Mansfield
Richland County
Other cities with a page
Mansfield's own numbers
Typical home value
$119,600
Typical monthly rent
$814
Typical yearly household income
$44,540
Households that own their home
50%
Effective property tax rate
1.24%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Richland County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,035
Price change over 5 years (FHFA)
+64%
Homes in a high flood-risk zone
0.6%
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 Richland County.
A typical home in Mansfield is worth $119,600: 27% below the county and 44% below Ohio. With the typical household income in Mansfield ($44,540 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.
Mansfield2.7 years
Richland2.8 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Richland County
According to FHFA’s house price index, home prices in Richland County rose 113% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Richland County.
Yearly change in FHFA’s price index in Richland County, 2016 to 2025
2016: +2.2% +2.2% 2016
2017: +6.2% +6.2% 2017
2018: +6.0% +6.0% 2018
2019: +7.2% +7.2% 2019
2020: +5.2% +5.2% 2020
2021: +12.8% +12.8% 2021
2022: +14.4% +14.4% 2022
2023: +12.1% +12.1% 2023
2024: +6.7% +6.7% 2024
2025: +6.4% +6.4% 2025
Change in FHFA’s price index in Richland County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+6.4%
+4.8%
+2.9%
5 years (2020–2025)
+64%
+53%
+47%
10 years (2015–2025)
+113%
+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
Mansfield next to Richland 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
Mansfield$119,600
Richland$164,800
Ohio$214,800
United States$332,700
Typical monthly rent
Mansfield$814
Richland$824
Ohio$1,034
United States$1,413
Typical yearly household income
Mansfield$44,540
Richland$59,509
Ohio$71,389
United States$80,734
See the full table
Mansfield next to Richland County and Ohio
Measure
Mansfield
Richland County
Ohio
U.S.
Typical home value
$119,600 ▼27% below the county
$164,800
$214,800
$332,700
Typical monthly rent
$814
$824
$1,034
$1,413
Typical yearly household income
$44,540 ▼25% below the county
$59,509
$71,389
$80,734
Households that own their home
50% ▼17 points below the county
68%
67%
65%
Typical yearly property tax
$1,488 ▼28% below the county
$2,061
$2,822
$3,119
Effective property tax rate
1.24% ▼0.01 points below the county
1.25%
1.31%
0.94%
Renters with high rent for their income
45% ▲3 points above the county
42%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Richland 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 Mansfield
For a typical $119,600 home in Mansfield, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mansfield's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,022a month
Least cash to close
Down payment
$4,186
Cash to close
$7,774
Rate
7.18%
Mortgage insurance
FHA MIP · $53
Conventional, 5% down$1,000a month
Down payment
$5,980
Cash to close
$9,568
Rate
7.18%
Mortgage insurance
PMI · $57
Conventional, 20% down, no PMI$822a month
Down payment
$23,920
Cash to close
$27,508
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$932a month
Down payment
$17,940
Cash to close
$21,528
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Mansfield
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,022
$4,186
$117,434
7.18%
FHA MIP · $53
$7,774
580
Conventional, 5% down
$1,000
$5,980
$113,620
7.18%
PMI · $57
$9,568
620*
Conventional, 20% down, no PMI
$822
$23,920
$95,680
7.18%
None
$27,508
620*
ITIN, 15% down (example)
$932
$17,940
$101,660
8.18%
None
$21,528
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 Mansfield is $814 a month: about the same as the county. In Mansfield, 45% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Richland County, by unit size. To pay the 2-bedroom one ($1,035 a month) without spending more than 30% of your income, you would need to earn $19.90 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 Richland County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$721
$13.87
$28,840
1 bedroom
$822
$15.81
$32,880
2 bedrooms
$1,035
$19.90
$41,400
3 bedrooms
$1,370
$26.35
$54,800
4 bedrooms
$1,595
$30.67
$63,800
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 Mansfield
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mansfield has 5 ZIP codes with their own.
For 2 bedrooms it runs from $1,010 in 44907 to $1,070 in 44902.
4 of the 5 are above the fair market rent for Richland County ($1,035).
2-bedroom fair market rent in each of the 5 ZIP codes of Mansfield, beside the one for Richland County. For 2 bedrooms it runs from $1,010 in 44907 to $1,070 in 44902. 4 of the 5 are above the fair market rent for Richland County ($1,035).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,035
Lowest: $1,010 (44907)Highest: $1,070 (44902)
Fair market rent by ZIP code and size in Mansfield, fiscal year 2027.
44901
$720
$830
$1,040
$1,380
$1,600
44902
$750
$850
$1,070
$1,420
$1,650
44903
$730
$830
$1,040
$1,370
$1,600
44906
$720
$830
$1,040
$1,380
$1,600
44907
$700
$800
$1,010
$1,340
$1,560
ZIP code2 bd3 bd
44901 $1,040$1,380
44902 $1,070$1,420
44903 $1,040$1,370
44906 $1,040$1,380
44907 $1,010$1,340
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Mansfield 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.
We found no HUD-approved agencies with an office in Richland 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 Mansfield or Richland County. The ones below are statewide in Ohio: they work in Mansfield 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 Mansfield or Richland 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 Mansfield and all of Richland 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 Mansfield?
The typical home value in Mansfield is $119,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Richland County it is $164,800.
How much does it cost to rent in Mansfield?
Typical rent in Mansfield is $814 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Richland County is $1,035.
What is the FHA loan limit in Mansfield?
Mansfield uses the FHA limit for all of Richland 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 Mansfield?
The typical homeowner in Mansfield pays $1,488 a year, according to the U.S. Census Bureau. That is 1.24% of the home’s value; in Richland County, the rate is 1.25%.
Where can I find free help to buy or rent in Mansfield?
We found no HUD-approved counseling agencies with an office in Richland County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
