In Martins Ferry, a typical home is worth $96,200 and typical rent is $800 a month. Compared with all of Belmont County, the typical home value is 38% lower, typical household income is 34% lower, and the share of households that own their home is 20 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $83,138 to $94,699.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Martins Ferry is in Belmont 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 Belmont County. See the county
What this place has that others do not, from public data, most unusual first.
1
Martins Ferry has the 5th lowest typical household income of the 292 cities in Ohio with more than 5,000 people ($37,467).
2
Martins Ferry has the 7th lowest typical home value of the 292 cities in Ohio with more than 5,000 people ($96,200).
3
54% of households in Martins Ferry own their home, against 74% in Belmont County.
4
Nearby, in East Liverpool, the typical home value is $81,300: 15% less than in Martins Ferry ($96,200).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Martins Ferry
What homes there are in Martins Ferry, 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
Martins Ferry
Belmont County
Ohio
United States
Kind of home: Martins Ferry and its comparisons
Measure
Martins Ferry
Belmont County
Ohio
United States
Detached house
67%
77%
69%
61%
Attached house
Unreliable estimate
1%
5%
6%
Building of 2 to 4
14%
8%
8%
8%
Apartments (5 or more)
18%
8%
15%
19%
Mobile home
Unreliable estimate
6%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Martins Ferry (67%), but less so than in Belmont County (77%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Martins Ferry
Belmont County
Ohio
United States
Year built: Martins Ferry and its comparisons
Measure
Martins Ferry
Belmont County
Ohio
United States
Before 1960
67%
46%
38%
26%
1960–1979
25%
26%
26%
24%
1980–1999
8%
16%
20%
25%
2000–2009
Unreliable estimate
7%
10%
14%
2010 or later
Unreliable estimate
6%
7%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K55%
$100K–$200K38%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Martins Ferry and its comparisons
Measure
Martins Ferry
Under $100K
55%
$100K–$200K
38%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50020%
$500–$99955%
$1,000–$1,499Unreliable
HUD fair market rent, 2 bedrooms: $1,009
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Martins Ferry and its comparisons
Measure
Martins Ferry
Under $500
20%
$500–$999
55%
$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 HUD fair market rent of $1,009 for 2 bedrooms, at least 74% of rented homes in Martins Ferry sit below it.
With a mortgage
$1,059 a month
Belmont County: $1,215 a month
Without a mortgage
$473 a month
Belmont County: $489 a month
Owners with a mortgage
58%
Belmont County: 48%
The typical cost for an owner with a mortgage in Martins Ferry is $1,059 a month, less than in Belmont County ($1,215); without one, $473.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Martins Ferry+36%
Belmont County+54%
Ohio+47%
United States+53%
Typical rent
Martins Ferry+49%
Belmont County+26%
Ohio+28%
United States+33%
Typical household income
Martins FerryNo clear change
Belmont County+12%
Ohio+26%
United States+29%
Change since 2015–2019: Martins Ferry and its comparisons
Measure
Martins Ferry
Belmont County
Ohio
United States
Typical home value
+36%
+54%
+47%
+53%
Typical rent
+49%
+26%
+28%
+33%
Typical household income
No clear change
+12%
+26%
+29%
The typical home value in Martins Ferry rose 36% since 2015–2019, less than in Belmont County (54%).
Since 2015–2019, the typical rent in Martins Ferry rose 49%, more than in Belmont County (26%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Martins Ferry and its comparisons
Measure
Martins Ferry
Belmont County
Ohio
United States
Rental vacancy
13.2%
11.1%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
Unreliable estimate
1.5%
3.4%
People per household
2.11
2.27
2.37
2.53
Drive alone
85%
84%
75%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
7%
7%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
The rental vacancy rate in Martins Ferry is 13.2%, higher than in Belmont County (11.1%).
On average, a household in Martins Ferry has 2.11 people, fewer than in Belmont County (2.27).
To get to work, 85% of workers in Martins Ferry drive alone; in Belmont County, 84%.
Do the math
What would you pay each month for a home in Martins Ferry?
A typical home is within reach of the typical income
We start with a typical home in Martins Ferry, worth $96,200, 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 Martins Ferry, which is $37,467 a year.
The calculator's FHA and conventional loan limits are those of all of Belmont 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 Martins Ferry. 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 $3,367 (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
$815
at 7.18% · 30 years
Loan amount
$94,458
Total interest
$135,902
Paid off in
November 2056
Includes $1,625 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $874 a month
Your payment · 26%
Tight
$874 to $1,124 a month
Hard
more than $1,124 a month
Compared with the typical household income in Martins Ferry ($37,467 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$640
Property tax
$92
Home insurance
$40
FHA mortgage insurance (MIP)
$43
You need at least $3,367 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 $815; principal and interest $640.
The city and its county
Martins Ferry and Belmont County
Martins Ferry is in Belmont 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).
Martins Ferry
Map of Belmont County, Ohio, with Martins Ferry marked. Around it, the neighboring counties.
Martins Ferry
Belmont County
Other cities with a page
Martins Ferry's own numbers
Typical home value
$96,200
Typical monthly rent
$800
Typical yearly household income
$37,467
Households that own their home
54%
Effective property tax rate
1.15%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Belmont County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,009
Price change over 5 years (FHFA)
+36%
Homes in a high flood-risk zone
4.8%
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 Belmont County.
A typical home in Martins Ferry is worth $96,200: 38% below the county and 55% below Ohio. With the typical household income in Martins Ferry ($37,467 a year), a typical home costs 2.6 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.
Martins Ferry2.6 years
Belmont2.7 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Belmont County
According to FHFA’s house price index, home prices in Belmont County rose 53% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Belmont County.
Yearly change in FHFA’s price index in Belmont County, 2016 to 2025
2016: +1.8% +1.8% 2016
2017: +0.8% +0.8% 2017
2018: +4.2% +4.2% 2018
2019: +3.7% +3.7% 2019
2020: +1.4% +1.4% 2020
2021: +5.1% +5.1% 2021
2022: +10.6% +10.6% 2022
2023: +1.9% +1.9% 2023
2024: +11.6% +11.6% 2024
2025: +2.6% +2.6% 2025
Change in FHFA’s price index in Belmont County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+2.6%
+4.8%
+2.9%
5 years (2020–2025)
+36%
+53%
+47%
10 years (2015–2025)
+53%
+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
Martins Ferry next to Belmont 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
Martins Ferry$96,200
Belmont$154,900
Ohio$214,800
United States$332,700
Typical monthly rent
Martins Ferry$800
Belmont$793
Ohio$1,034
United States$1,413
Typical yearly household income
Martins Ferry$37,467
Belmont$57,017
Ohio$71,389
United States$80,734
See the full table
Martins Ferry next to Belmont County and Ohio
Measure
Martins Ferry
Belmont County
Ohio
U.S.
Typical home value
$96,200 ▼38% below the county
$154,900
$214,800
$332,700
Typical monthly rent
$800
$793
$1,034
$1,413
Typical yearly household income
$37,467 ▼34% below the county
$57,017
$71,389
$80,734
Households that own their home
54% ▼20 points below the county
74%
67%
65%
Typical yearly property tax
$1,108 ▼25% below the county
$1,469
$2,822
$3,119
Effective property tax rate
1.15% ▲0.2 points above the county
0.95%
1.31%
0.94%
Renters with high rent for their income
54% ▲7 points above 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 Belmont 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 Martins Ferry
For a typical $96,200 home in Martins Ferry, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Martins Ferry's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$815a month
Least cash to close
Down payment
$3,367
Cash to close
$6,253
Rate
7.18%
Mortgage insurance
FHA MIP · $43
Conventional, 5% down$797a month
Down payment
$4,810
Cash to close
$7,696
Rate
7.18%
Mortgage insurance
PMI · $46
Conventional, 20% down, no PMI$654a month
Down payment
$19,240
Cash to close
$22,126
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$743a month
Down payment
$14,430
Cash to close
$17,316
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Martins Ferry
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$815
$3,367
$94,458
7.18%
FHA MIP · $43
$6,253
580
Conventional, 5% down
$797
$4,810
$91,390
7.18%
PMI · $46
$7,696
620*
Conventional, 20% down, no PMI
$654
$19,240
$76,960
7.18%
None
$22,126
620*
ITIN, 15% down (example)
$743
$14,430
$81,770
8.18%
None
$17,316
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 Martins Ferry is $800 a month: about the same as the county. In Martins Ferry, 54% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Belmont County, by unit size. To pay the 2-bedroom one ($1,009 a month) without spending more than 30% of your income, you would need to earn $19.40 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 Belmont County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$703
$13.52
$28,120
1 bedroom
$822
$15.81
$32,880
2 bedrooms
$1,009
$19.40
$40,360
3 bedrooms
$1,300
$25.00
$52,000
4 bedrooms
$1,436
$27.62
$57,440
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 Martins Ferry
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Martins Ferry is in ZIP code 43935.
For 2 bedrooms it is $1,000: $9 less than the fair market rent for Belmont County ($1,009).
Fair market rent by ZIP code and size in Martins Ferry, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
43935
$700
$820
$1,000
$1,290
$1,430
ZIP code2 bd3 bd
43935 $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 Martins Ferry 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 3 buildings with rents for lower incomes in Martins Ferry. These are the largest.
Wayne L. Hayes Tower100 S 3rd St, Martins Ferry 43935270 homes, 262 low-income · Run by Belmont Metropolitan Housing Authority · Average payment: $328 a month · Average wait: 5 months(740) 633-5085
ST. Myer Terrace402 Jefferson St, Martins Ferry 43935122 low-income homes · Run by Belmont Metropolitan Housing Authority · Average payment: $256 a month · Average wait: 4 months(740) 633-5085
Jaycee Manor Apartments640 Columbus Ave, Martins Ferry 4393580 low-income homes · For families(740) 633-1203
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 Belmont 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 Martins Ferry or Belmont County. The ones below are statewide in Ohio: they work in Martins Ferry 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).
The HUD-approved agencies closest to the center of Martins Ferry, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
CB
Community Building Partnership of Stark County, Inc.
No legal help resource on our list is for Martins Ferry or Belmont 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 Martins Ferry and all of Belmont 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 Martins Ferry?
The typical home value in Martins Ferry is $96,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Belmont County it is $154,900.
How much does it cost to rent in Martins Ferry?
Typical rent in Martins Ferry is $800 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Belmont County is $1,009.
What is the FHA loan limit in Martins Ferry?
Martins Ferry uses the FHA limit for all of Belmont 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 Martins Ferry?
The typical homeowner in Martins Ferry pays $1,108 a year, according to the U.S. Census Bureau. That is 1.15% of the home’s value; in Belmont County, the rate is 0.95%.
Where can I find free help to buy or rent in Martins Ferry?
We found no HUD-approved counseling agencies with an office in Belmont County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
