In Mason, a typical home is worth $426,200 and typical rent is $1,760 a month. Compared with all of Warren County, typical rent is 29% higher and the typical home value is 22% higher.
Typical home value from Zillow, September 2021 to September 2026: from $382,503 to $504,484.
Typical rent
$2,118a month
▲ 0.8% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,671 to $2,118.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Mason is in Warren 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 Warren County. See the county
What this place has that others do not, from public data, most unusual first.
1
Mason has the 6th smallest share of rent-burdened renters of the 253 cities in Ohio with more than 5,000 people (29%).
2
Nearby, in Lebanon, the typical rent is $1,090: 38% less than in Mason ($1,760).
3
Nearby, in Monroe, the typical home value is $282,400: 34% less than in Mason ($426,200).
4
The typical rent in Mason is $1,760 a month, 29% more than in Warren County as a whole ($1,361).
5
The typical home in Mason is worth $426,200,22% more than in Warren County as a whole ($349,400).
6
Mason has the 24th highest typical household income of the 292 cities in Ohio with more than 5,000 people ($125,401).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Mason
What homes there are in Mason, 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
Mason
Warren County
Ohio
United States
Kind of home: Mason and its comparisons
Measure
Mason
Warren County
Ohio
United States
Detached house
69%
77%
69%
61%
Attached house
18%
7%
5%
6%
Building of 2 to 4
3%
5%
8%
8%
Apartments (5 or more)
9%
11%
15%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Mason (69%), but less so than in Warren County (77%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Mason
Warren County
Ohio
United States
Year built: Mason and its comparisons
Measure
Mason
Warren County
Ohio
United States
Before 1960
7%
14%
38%
26%
1960–1979
15%
18%
26%
24%
1980–1999
39%
29%
20%
25%
2000–2009
23%
22%
10%
14%
2010 or later
17%
17%
7%
11%
In Mason, half of the homes were built before 1996; in Warren County, before 1995.
Much as in Warren County, 74% of homes in Mason have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K8%
$200K–$300K21%
$300K–$500K30%
$500K–$750K29%
$750K–$1M7%
$1M or moreUnreliable
Value of owner-occupied homes: Mason and its comparisons
Measure
Mason
Under $100K
Unreliable estimate
$100K–$200K
8%
$200K–$300K
21%
$300K–$500K
30%
$500K–$750K
29%
$750K–$1M
7%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49924%
$1,500–$1,99931%
$2,000–$2,49921%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Mason and its comparisons
Measure
Mason
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
24%
$1,500–$1,999
31%
$2,000–$2,499
21%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,353 a month
Warren County: $1,974 a month
Without a mortgage
$870 a month
Warren County: $756 a month
Owners with a mortgage
70%
Warren County: 69%
The typical cost for an owner with a mortgage in Mason is $2,353 a month, more than in Warren County ($1,974); without one, $870.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Mason+59%
Warren County+57%
Ohio+47%
United States+53%
Typical rent
Mason+31%
Warren County+28%
Ohio+28%
United States+33%
Typical household income
Mason+25%
Warren County+26%
Ohio+26%
United States+29%
Change since 2015–2019: Mason and its comparisons
Measure
Mason
Warren County
Ohio
United States
Typical home value
+59%
+57%
+47%
+53%
Typical rent
+31%
+28%
+28%
+33%
Typical household income
+25%
+26%
+26%
+29%
From 2015–2019 to 2020–2024, home values in Mason rose at about the same pace as in Warren County: 59% against 57%.
The typical rent in Mason rose 31% since 2015–2019, about the same as in Warren County (28%).
Housing prices ran ahead of income in Mason: typical income rose 25%, against +59% for home values and +31% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Mason and its comparisons
Measure
Mason
Warren County
Ohio
United States
Rental vacancy
Unreliable estimate
5.4%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.3%
1.5%
3.4%
People per household
2.60
2.66
2.37
2.53
Drive alone
71%
74%
75%
69%
Carpool
5%
6%
8%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
23%
19%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Warren County, a household in Mason has 2.60 people on average.
Many people here do not commute at all: 23% work from home; in Warren County, 19%.
Do the math
What would you pay each month for a home in Mason?
A typical home is tight for the typical income
We start with a typical home in Mason, worth $426,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Mason, which is $125,401 a year. For that payment to be 28% of income, a household would need to earn about $155,148 a year.
The calculator's FHA and conventional loan limits are those of all of Warren 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 Mason. 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 $14,917 (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
$3,620
at 7.18% · 30 years
Loan amount
$418,480
Total interest
$602,095
Paid off in
November 2056
Includes $7,197 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,926 a month
Tight
$2,926 to $3,762 a month
Your payment · 35%
Hard
more than $3,762 a month
Compared with the typical household income in Mason ($125,401 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,835
Property tax
$419
Home insurance
$178
FHA mortgage insurance (MIP)
$189
You need at least $14,917 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 $3,620; principal and interest $2,835.
The city and its county
Mason and Warren County
Mason is in Warren 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).
Mason
Map of Warren County, Ohio, with Mason marked. Around it, the neighboring counties.
Mason
Warren County
Other cities with a page
Mason's own numbers
Typical home value
$426,200
Typical monthly rent
$1,760
Typical yearly household income
$125,401
Households that own their home
80%
Effective property tax rate
1.18%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Warren County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,442
Price change over 5 years (FHFA)
+60%
Homes in a high flood-risk zone
1.6%
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 Warren County.
A typical home in Mason is worth $426,200: 22% above the county and 98% above Ohio. With the typical household income in Mason ($125,401 a year), a typical home costs 3.4 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.
Mason3.4 years
Warren3.2 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Warren County
According to FHFA’s house price index, home prices in Warren County rose 103% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Warren County.
Yearly change in FHFA’s price index in Warren County, 2016 to 2025
2016: +4.2% +4.2% 2016
2017: +4.8% +4.8% 2017
2018: +5.9% +5.9% 2018
2019: +5.5% +5.5% 2019
2020: +4.2% +4.2% 2020
2021: +11.3% +11.3% 2021
2022: +17.1% +17.1% 2022
2023: +8.5% +8.5% 2023
2024: +8.8% +8.8% 2024
2025: +4.0% +4.0% 2025
Change in FHFA’s price index in Warren County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+4.0%
+4.8%
+2.9%
5 years (2020–2025)
+60%
+53%
+47%
10 years (2015–2025)
+103%
+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
Mason next to Warren 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
Mason$426,200
Warren$349,400
Ohio$214,800
United States$332,700
Typical monthly rent
Mason$1,760
Warren$1,361
Ohio$1,034
United States$1,413
Typical yearly household income
Mason$125,401
Warren$110,132
Ohio$71,389
United States$80,734
See the full table
Mason next to Warren County and Ohio
Measure
Mason
Warren County
Ohio
U.S.
Typical home value
$426,200 ▲22% above the county
$349,400
$214,800
$332,700
Typical monthly rent
$1,760 ▲29% above the county
$1,361
$1,034
$1,413
Typical yearly household income
$125,401 ▲14% above the county
$110,132
$71,389
$80,734
Households that own their home
80% ▲1 points above the county
79%
67%
65%
Typical yearly property tax
$5,017 ▲19% above the county
$4,199
$2,822
$3,119
Effective property tax rate
1.18% ▼0.02 points below the county
1.2%
1.31%
0.94%
Renters with high rent for their income
29% ▼13 points below the county
41%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Warren 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 Mason
For a typical $426,200 home in Mason, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mason's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,620a month
Least cash to close
Down payment
$14,917
Cash to close
$27,703
Rate
7.18%
Mortgage insurance
FHA MIP · $189
Conventional, 5% down$3,542a month
Down payment
$21,310
Cash to close
$34,096
Rate
7.18%
Mortgage insurance
PMI · $202
Conventional, 20% down, no PMI$2,906a month
Down payment
$85,240
Cash to close
$98,026
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,300a month
Down payment
$63,930
Cash to close
$76,716
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Mason
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,620
$14,917
$418,480
7.18%
FHA MIP · $189
$27,703
580
Conventional, 5% down
$3,542
$21,310
$404,890
7.18%
PMI · $202
$34,096
620*
Conventional, 20% down, no PMI
$2,906
$85,240
$340,960
7.18%
None
$98,026
620*
ITIN, 15% down (example)
$3,300
$63,930
$362,270
8.18%
None
$76,716
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 Mason is $1,760 a month: 29% above the county. In Mason, 29% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Warren County, by unit size. To pay the 2-bedroom one ($1,442 a month) without spending more than 30% of your income, you would need to earn $27.73 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 Warren County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,052
$20.23
$42,080
1 bedroom
$1,128
$21.69
$45,120
2 bedrooms
$1,442
$27.73
$57,680
3 bedrooms
$1,897
$36.48
$75,880
4 bedrooms
$2,141
$41.17
$85,640
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 Mason
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mason is in ZIP code 45040.
For 2 bedrooms it is $2,160: $718 more than the fair market rent for Warren County ($1,442).
Fair market rent by ZIP code and size in Mason, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
45040
$1,580
$1,690
$2,160
$2,840
$3,210
ZIP code2 bd3 bd
45040 $2,160$2,840
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Mason 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 Warren 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 Mason or Warren County. The ones below are statewide in Ohio: they work in Mason 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 Mason or Warren 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 Mason and all of Warren 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 Mason?
The typical home value in Mason is $426,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Warren County it is $349,400.
How much does it cost to rent in Mason?
Typical rent in Mason is $1,760 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Warren County is $1,442.
What is the FHA loan limit in Mason?
Mason uses the FHA limit for all of Warren 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 Mason?
The typical homeowner in Mason pays $5,017 a year, according to the U.S. Census Bureau. That is 1.18% of the home’s value; in Warren County, the rate is 1.2%.
Where can I find free help to buy or rent in Mason?
We found no HUD-approved counseling agencies with an office in Warren County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
