In Napoleon, a typical home is worth $146,600 and typical rent is $819 a month. Compared with all of Henry County, the typical home value is 13% lower and the share of households that own their home is 9 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $167,706 to $214,094.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Napoleon is in Henry 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 Henry County. See the county
What this place has that others do not, from public data, most unusual first.
1
Napoleon has the 15th smallest share of rent-burdened renters of the 253 cities in Ohio with more than 5,000 people (32%).
2
73% of households in Napoleon own their home, against 83% in Henry County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Napoleon
What homes there are in Napoleon, 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
Napoleon
Henry County
Ohio
United States
Kind of home: Napoleon and its comparisons
Measure
Napoleon
Henry County
Ohio
United States
Detached house
71%
83%
69%
61%
Attached house
Unreliable estimate
2%
5%
6%
Building of 2 to 4
7%
4%
8%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
15%
19%
Mobile home
8%
6%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Napoleon (71%), but less so than in Henry County (83%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Napoleon
Henry County
Ohio
United States
Year built: Napoleon and its comparisons
Measure
Napoleon
Henry County
Ohio
United States
Before 1960
47%
46%
38%
26%
1960–1979
24%
23%
26%
24%
1980–1999
24%
20%
20%
25%
2000–2009
Unreliable estimate
6%
10%
14%
2010 or later
Unreliable estimate
5%
7%
11%
In Napoleon, half of the homes were built before 1963; in Henry County, before 1964.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K26%
$100K–$200K47%
$200K–$300K19%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Napoleon and its comparisons
Measure
Napoleon
Under $100K
26%
$100K–$200K
47%
$200K–$300K
19%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99966%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Napoleon and its comparisons
Measure
Napoleon
Under $500
Unreliable estimate
$500–$999
66%
$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 mortgage
$1,182 a month
Henry County: $1,309 a month
Without a mortgage
$511 a month
Henry County: $527 a month
Owners with a mortgage
60%
Henry County: 57%
In Napoleon, 60% of owners have a mortgage, and their typical cost is $1,182 a month, against $1,309 in Henry County. Without one it drops to $511.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Napoleon+29%
Henry County+35%
Ohio+47%
United States+53%
Typical rent
Napoleon+23%
Henry County+16%
Ohio+28%
United States+33%
Typical household income
Napoleon+65%
Henry County+34%
Ohio+26%
United States+29%
Change since 2015–2019: Napoleon and its comparisons
Measure
Napoleon
Henry County
Ohio
United States
Typical home value
+29%
+35%
+47%
+53%
Typical rent
+23%
+16%
+28%
+33%
Typical household income
+65%
+34%
+26%
+29%
The typical home value in Napoleon rose 29% since 2015–2019, less than in Henry County (35%).
Rents in Napoleon rose faster than in Henry County: 23% since 2015–2019, against 16%.
Income in Napoleon grew faster than housing: it rose 65%, while home values changed +29% and rent +23%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Napoleon and its comparisons
Measure
Napoleon
Henry 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
2.26
2.37
2.37
2.53
Drive alone
90%
85%
75%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
Unreliable estimate
6%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
A household in Napoleon has 2.26 people on average, about the same as in Henry County (2.37).
The car rules in Napoleon: 90% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Napoleon?
A typical home is within reach of the typical income
We start with a typical home in Napoleon, worth $146,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 19% of the typical household income in Napoleon, which is $76,639 a year.
The calculator's FHA and conventional loan limits are those of all of Henry 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 Napoleon. 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 $5,131 (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
$1,240
at 7.18% · 30 years
Loan amount
$143,945
Total interest
$207,103
Paid off in
November 2056
Includes $2,476 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,788 a month
Your payment · 19%
Tight
$1,788 to $2,299 a month
Hard
more than $2,299 a month
Compared with the typical household income in Napoleon ($76,639 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$975
Property tax
$139
Home insurance
$61
FHA mortgage insurance (MIP)
$65
You need at least $5,131 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 $1,240; principal and interest $975.
The city and its county
Napoleon and Henry County
Napoleon is in Henry 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).
Napoleon
Map of Henry County, Ohio, with Napoleon marked. Around it, the neighboring counties.
Napoleon
Henry County
Other cities with a page
Napoleon's own numbers
Typical home value
$146,600
Typical monthly rent
$819
Typical yearly household income
$76,639
Households that own their home
73%
Effective property tax rate
1.14%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Henry County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,011
Price change over 5 years (FHFA)
+46%
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 Henry County.
A typical home in Napoleon is worth $146,600: 13% below the county and 32% below Ohio. With the typical household income in Napoleon ($76,639 a year), a typical home costs 1.9 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.
Napoleon1.9 years
Henry2.1 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Henry County
According to FHFA’s house price index, home prices in Henry County rose 73% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Henry County.
Yearly change in FHFA’s price index in Henry County, 2016 to 2025
2016: +3.5% +3.5% 2016
2017: +2.5% +2.5% 2017
2018: +3.3% +3.3% 2018
2019: +5.1% +5.1% 2019
2020: +2.7% +2.7% 2020
2021: +10.9% +10.9% 2021
2022: +7.3% +7.3% 2022
2023: +10.4% +10.4% 2023
2024: +6.8% +6.8% 2024
2025: +4.3% +4.3% 2025
Change in FHFA’s price index in Henry County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+4.3%
+4.8%
+2.9%
5 years (2020–2025)
+46%
+53%
+47%
10 years (2015–2025)
+73%
+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
Napoleon next to Henry 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
Napoleon$146,600
Henry$168,600
Ohio$214,800
United States$332,700
Typical monthly rent
Napoleon$819
Henry$849
Ohio$1,034
United States$1,413
Typical yearly household income
Napoleon$76,639
Henry$80,099
Ohio$71,389
United States$80,734
See the full table
Napoleon next to Henry County and Ohio
Measure
Napoleon
Henry County
Ohio
U.S.
Typical home value
$146,600 ▼13% below the county
$168,600
$214,800
$332,700
Typical monthly rent
$819 ▼4% below the county
$849
$1,034
$1,413
Typical yearly household income
$76,639 ▼4% below the county
$80,099
$71,389
$80,734
Households that own their home
73% ▼9 points below the county
83%
67%
65%
Typical yearly property tax
$1,677 ▼15% below the county
$1,970
$2,822
$3,119
Effective property tax rate
1.14% ▼0.03 points below the county
1.17%
1.31%
0.94%
Renters with high rent for their income
32% ▲1 points above the county
31%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Henry 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 Napoleon
For a typical $146,600 home in Napoleon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Napoleon's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,240a month
Least cash to close
Down payment
$5,131
Cash to close
$9,529
Rate
7.18%
Mortgage insurance
FHA MIP · $65
Conventional, 5% down$1,213a month
Down payment
$7,330
Cash to close
$11,728
Rate
7.18%
Mortgage insurance
PMI · $70
Conventional, 20% down, no PMI$995a month
Down payment
$29,320
Cash to close
$33,718
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,130a month
Down payment
$21,990
Cash to close
$26,388
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Napoleon
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,240
$5,131
$143,945
7.18%
FHA MIP · $65
$9,529
580
Conventional, 5% down
$1,213
$7,330
$139,270
7.18%
PMI · $70
$11,728
620*
Conventional, 20% down, no PMI
$995
$29,320
$117,280
7.18%
None
$33,718
620*
ITIN, 15% down (example)
$1,130
$21,990
$124,610
8.18%
None
$26,388
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 Napoleon is $819 a month: 4% below the county. In Napoleon, 32% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Henry County, by unit size. To pay the 2-bedroom one ($1,011 a month) without spending more than 30% of your income, you would need to earn $19.44 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 Henry County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$811
$15.60
$32,440
1 bedroom
$816
$15.69
$32,640
2 bedrooms
$1,011
$19.44
$40,440
3 bedrooms
$1,350
$25.96
$54,000
4 bedrooms
$1,690
$32.50
$67,600
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 Napoleon
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Napoleon is in ZIP code 43545.
For 2 bedrooms it is $1,020: $9 more than the fair market rent for Henry County ($1,011).
Fair market rent by ZIP code and size in Napoleon, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
43545
$820
$820
$1,020
$1,360
$1,700
ZIP code2 bd3 bd
43545 $1,020$1,360
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Napoleon 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 Henry 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 Napoleon or Henry County. The ones below are statewide in Ohio: they work in Napoleon 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 Napoleon or Henry 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 Napoleon and all of Henry 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 Napoleon?
The typical home value in Napoleon is $146,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Henry County it is $168,600.
How much does it cost to rent in Napoleon?
Typical rent in Napoleon is $819 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Henry County is $1,011.
What is the FHA loan limit in Napoleon?
Napoleon uses the FHA limit for all of Henry 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 Napoleon?
The typical homeowner in Napoleon pays $1,677 a year, according to the U.S. Census Bureau. That is 1.14% of the home’s value; in Henry County, the rate is 1.17%.
Where can I find free help to buy or rent in Napoleon?
We found no HUD-approved counseling agencies with an office in Henry County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
