In Mount Vernon, a typical home is worth $174,000 and typical rent is $948 a month. Compared with all of Knox County, the typical home value is 27% lower, typical household income is 27% 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 $182,523 to $248,734.
Typical rent
$1,323a month
Typical rent from Zillow, June 2026 to September 2026: from $1,260 to $1,323.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Mount Vernon is in Knox 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 Knox County. See the county
What this place has that others do not, from public data, most unusual first.
1
55% of households in Mount Vernon own their home, against 76% in Knox County.
2
The typical home in Mount Vernon is worth $174,000,27% less than in Knox County as a whole ($239,400).
3
The typical household income in Mount Vernon is $53,845,27% less than in Knox County as a whole ($73,878).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Mount Vernon
What homes there are in Mount Vernon, 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
Mount Vernon
Knox County
Ohio
United States
Kind of home: Mount Vernon and its comparisons
Measure
Mount Vernon
Knox County
Ohio
United States
Detached house
66%
83%
69%
61%
Attached house
4%
2%
5%
6%
Building of 2 to 4
16%
7%
8%
8%
Apartments (5 or more)
12%
4%
15%
19%
Mobile home
Unreliable estimate
4%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Mount Vernon, 7 in 10 homes are single-family detached houses; in Knox County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Mount Vernon
Knox County
Ohio
United States
Year built: Mount Vernon and its comparisons
Measure
Mount Vernon
Knox County
Ohio
United States
Before 1960
57%
38%
38%
26%
1960–1979
21%
20%
26%
24%
1980–1999
13%
22%
20%
25%
2000–2009
8%
14%
10%
14%
2010 or later
1%
6%
7%
11%
The typical home in Mount Vernon was built in 1955, 18 years before the typical one in Knox County.
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 $100K14%
$100K–$200K47%
$200K–$300K25%
$300K–$500K11%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Mount Vernon and its comparisons
Measure
Mount Vernon
Under $100K
14%
$100K–$200K
47%
$200K–$300K
25%
$300K–$500K
11%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
At least 97% of owner-occupied homes in Mount Vernon are worth less than $500,000, below the FHA loan limit for Knox County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99950%
$1,000–$1,49937%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Mount Vernon and its comparisons
Measure
Mount Vernon
Under $500
Unreliable estimate
$500–$999
50%
$1,000–$1,499
37%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,186 a month
Knox County: $1,512 a month
Without a mortgage
$549 a month
Knox County: $566 a month
Owners with a mortgage
65%
Knox County: 61%
In Mount Vernon, 65% of owners have a mortgage, and their typical cost is $1,186 a month, against $1,512 in Knox County. Without one it drops to $549.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Mount Vernon+48%
Knox County+54%
Ohio+47%
United States+53%
Typical rent
Mount Vernon+34%
Knox County+29%
Ohio+28%
United States+33%
Typical household income
Mount Vernon+26%
Knox County+28%
Ohio+26%
United States+29%
Change since 2015–2019: Mount Vernon and its comparisons
Measure
Mount Vernon
Knox County
Ohio
United States
Typical home value
+48%
+54%
+47%
+53%
Typical rent
+34%
+29%
+28%
+33%
Typical household income
+26%
+28%
+26%
+29%
Homes in Mount Vernon gained value more slowly than in Knox County: 48% since 2015–2019, against 54%.
The typical rent in Mount Vernon rose 34% over the same time; in Knox County, it rose 29%.
Here income did not keep up with housing: it rose 26%, while home values changed +48% and rent +34%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Mount Vernon and its comparisons
Measure
Mount Vernon
Knox County
Ohio
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
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
2.21
2.54
2.37
2.53
Drive alone
75%
74%
75%
69%
Carpool
6%
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
5%
4%
2%
3%
Work from home
12%
14%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.21 on average, against 2.54 in Knox County.
In Mount Vernon, 75% of workers drive alone to work; in Knox County, 74%.
Do the math
What would you pay each month for a home in Mount Vernon?
A typical home is tight for the typical income
We start with a typical home in Mount Vernon, worth $174,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Mount Vernon, which is $53,845 a year. For that payment to be 28% of income, a household would need to earn about $62,408 a year.
The calculator's FHA and conventional loan limits are those of all of Knox 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 Mount Vernon. 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 $6,090 (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
$1,456
at 7.18% · 30 years
Loan amount
$170,848
Total interest
$245,811
Paid off in
November 2056
Includes $2,938 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,256 a month
Tight
$1,256 to $1,615 a month
Your payment · 32%
Hard
more than $1,615 a month
Compared with the typical household income in Mount Vernon ($53,845 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,157
Property tax
$149
Home insurance
$73
FHA mortgage insurance (MIP)
$77
You need at least $6,090 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 $1,456; principal and interest $1,157.
The city and its county
Mount Vernon and Knox County
Mount Vernon is in Knox 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).
Mount Vernon
Map of Knox County, Ohio, with Mount Vernon marked. Around it, the neighboring counties.
Mount Vernon
Knox County
Other cities with a page
Mount Vernon's own numbers
Typical home value
$174,000
Typical monthly rent
$948
Typical yearly household income
$53,845
Households that own their home
55%
Effective property tax rate
1.03%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Knox County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,136
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
3.6%
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 Knox County.
A typical home in Mount Vernon is worth $174,000: 27% below the county and 19% below Ohio. With the typical household income in Mount Vernon ($53,845 a year), a typical home costs 3.2 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.
Mount Vernon3.2 years
Knox3.2 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Knox County
According to FHFA’s house price index, home prices in Knox County rose 106% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Knox County.
Yearly change in FHFA’s price index in Knox County, 2016 to 2025
2016: +6.0% +6.0% 2016
2017: +4.7% +4.7% 2017
2018: +4.0% +4.0% 2018
2019: +5.7% +5.7% 2019
2020: +4.9% +4.9% 2020
2021: +12.7% +12.7% 2021
2022: +14.3% +14.3% 2022
2023: +14.1% +14.1% 2023
2024: +4.7% +4.7% 2024
2025: +4.6% +4.6% 2025
Change in FHFA’s price index in Knox County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+4.6%
+4.8%
+2.9%
5 years (2020–2025)
+61%
+53%
+47%
10 years (2015–2025)
+106%
+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
Mount Vernon next to Knox 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
Mount Vernon$174,000
Knox$239,400
Ohio$214,800
United States$332,700
Typical monthly rent
Mount Vernon$948
Knox$950
Ohio$1,034
United States$1,413
Typical yearly household income
Mount Vernon$53,845
Knox$73,878
Ohio$71,389
United States$80,734
See the full table
Mount Vernon next to Knox County and Ohio
Measure
Mount Vernon
Knox County
Ohio
U.S.
Typical home value
$174,000 ▼27% below the county
$239,400
$214,800
$332,700
Typical monthly rent
$948
$950
$1,034
$1,413
Typical yearly household income
$53,845 ▼27% below the county
$73,878
$71,389
$80,734
Households that own their home
55% ▼20 points below the county
76%
67%
65%
Typical yearly property tax
$1,800 ▼30% below the county
$2,564
$2,822
$3,119
Effective property tax rate
1.03% ▼0.04 points below the county
1.07%
1.31%
0.94%
Renters with high rent for their income
46% ▲1 points above the county
46%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Knox 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 Mount Vernon
For a typical $174,000 home in Mount Vernon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mount Vernon's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,456a month
Least cash to close
Down payment
$6,090
Cash to close
$11,310
Rate
7.18%
Mortgage insurance
FHA MIP · $77
Conventional, 5% down$1,424a month
Down payment
$8,700
Cash to close
$13,920
Rate
7.18%
Mortgage insurance
PMI · $83
Conventional, 20% down, no PMI$1,165a month
Down payment
$34,800
Cash to close
$40,020
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,326a month
Down payment
$26,100
Cash to close
$31,320
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Mount Vernon
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,456
$6,090
$170,848
7.18%
FHA MIP · $77
$11,310
580
Conventional, 5% down
$1,424
$8,700
$165,300
7.18%
PMI · $83
$13,920
620*
Conventional, 20% down, no PMI
$1,165
$34,800
$139,200
7.18%
None
$40,020
620*
ITIN, 15% down (example)
$1,326
$26,100
$147,900
8.18%
None
$31,320
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 Mount Vernon is $948 a month: about the same as the county. In Mount Vernon, 46% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Knox County, by unit size. To pay the 2-bedroom one ($1,136 a month) without spending more than 30% of your income, you would need to earn $21.85 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 Knox County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$814
$15.65
$32,560
1 bedroom
$927
$17.83
$37,080
2 bedrooms
$1,136
$21.85
$45,440
3 bedrooms
$1,444
$27.77
$57,760
4 bedrooms
$1,498
$28.81
$59,920
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 Mount Vernon
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mount Vernon is in ZIP code 43050.
For 2 bedrooms it is $1,130: $6 less than the fair market rent for Knox County ($1,136).
Fair market rent by ZIP code and size in Mount Vernon, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
43050
$810
$920
$1,130
$1,440
$1,490
ZIP code2 bd3 bd
43050 $1,130$1,440
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Mount Vernon 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 Knox 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 Mount Vernon or Knox County. The ones below are statewide in Ohio: they work in Mount Vernon 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 Mount Vernon, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
NC
Nid-Hca Columbus
4200 Regent St Suite 200, Columbus · 33 miles away
No legal help resource on our list is for Mount Vernon or Knox 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 Mount Vernon and all of Knox 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 Mount Vernon?
The typical home value in Mount Vernon is $174,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Knox County it is $239,400.
How much does it cost to rent in Mount Vernon?
Typical rent in Mount Vernon is $948 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Knox County is $1,136.
What is the FHA loan limit in Mount Vernon?
Mount Vernon uses the FHA limit for all of Knox 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 Mount Vernon?
The typical homeowner in Mount Vernon pays $1,800 a year, according to the U.S. Census Bureau. That is 1.03% of the home’s value; in Knox County, the rate is 1.07%.
Where can I find free help to buy or rent in Mount Vernon?
We found no HUD-approved counseling agencies with an office in Knox County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
