In New Carlisle, a typical home is worth $131,800 and typical rent is $840 a month. Compared with all of Clark County, the typical home value is 22% lower.
Typical home value from Zillow, September 2021 to September 2026: from $189,451 to $254,732.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
New Carlisle is in Clark 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 Clark County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in New Carlisle is worth $131,800,22% less than in Clark County as a whole ($169,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in New Carlisle
What homes there are in New Carlisle, 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
New Carlisle
Clark County
Ohio
United States
Kind of home: New Carlisle and its comparisons
Measure
New Carlisle
Clark County
Ohio
United States
Detached house
81%
75%
69%
61%
Attached house
Unreliable estimate
6%
5%
6%
Building of 2 to 4
13%
6%
8%
8%
Apartments (5 or more)
Unreliable estimate
10%
15%
19%
Mobile home
Unreliable estimate
4%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In New Carlisle, 8 in 10 homes are single-family detached houses; in Clark County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
New Carlisle
Clark County
Ohio
United States
Year built: New Carlisle and its comparisons
Measure
New Carlisle
Clark County
Ohio
United States
Before 1960
31%
45%
38%
26%
1960–1979
58%
32%
26%
24%
1980–1999
Unreliable estimate
15%
20%
25%
2000–2009
8%
6%
10%
14%
2010 or later
Unreliable estimate
3%
7%
11%
By age, homes in New Carlisle look like those in Clark County: the typical year built is 1966.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K30%
$100K–$200K57%
$200K–$300K9%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: New Carlisle and its comparisons
Measure
New Carlisle
Under $100K
30%
$100K–$200K
57%
$200K–$300K
9%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99972%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: New Carlisle and its comparisons
Measure
New Carlisle
Under $500
Unreliable estimate
$500–$999
72%
$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
$1,059 a month
Clark County: $1,262 a month
Without a mortgage
$470 a month
Clark County: $523 a month
Owners with a mortgage
65%
Clark County: 60%
In New Carlisle, 65% of owners have a mortgage, and their typical cost is $1,059 a month, against $1,262 in Clark County. Without one it drops to $470.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
New Carlisle+44%
Clark County+47%
Ohio+47%
United States+53%
Typical rent
New Carlisle+12%
Clark County+16%
Ohio+28%
United States+33%
Typical household income
New Carlisle+45%
Clark County+24%
Ohio+26%
United States+29%
Change since 2015–2019: New Carlisle and its comparisons
Measure
New Carlisle
Clark County
Ohio
United States
Typical home value
+44%
+47%
+47%
+53%
Typical rent
+12%
+16%
+28%
+33%
Typical household income
+45%
+24%
+26%
+29%
The typical home value in New Carlisle rose 44% since 2015–2019, less than in Clark County (47%).
The typical rent in New Carlisle rose 12% over the same time; in Clark County, it rose 16%.
The typical household income in New Carlisle rose 45% over that time; home values changed +44% and rent +12%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: New Carlisle and its comparisons
Measure
New Carlisle
Clark County
Ohio
United States
Rental vacancy
Unreliable estimate
2.5%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.4%
1.5%
3.4%
People per household
2.55
2.37
2.37
2.53
Drive alone
73%
79%
75%
69%
Carpool
15%
9%
8%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
10%
10%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.55 on average, against 2.37 in Clark County.
More people carpool to work in New Carlisle than in Clark County: 15% against 9%.
Do the math
What would you pay each month for a home in New Carlisle?
A typical home is within reach of the typical income
We start with a typical home in New Carlisle, worth $131,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 21% of the typical household income in New Carlisle, which is $64,443 a year.
The calculator's FHA and conventional loan limits are those of all of Clark 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 New Carlisle. 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 $4,613 (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
$1,140
at 7.18% · 30 years
Loan amount
$129,413
Total interest
$186,195
Paid off in
November 2056
Includes $2,226 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,504 a month
Your payment · 21%
Tight
$1,504 to $1,933 a month
Hard
more than $1,933 a month
Compared with the typical household income in New Carlisle ($64,443 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$877
Property tax
$151
Home insurance
$55
FHA mortgage insurance (MIP)
$58
You need at least $4,613 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 $1,140; principal and interest $877.
The city and its county
New Carlisle and Clark County
New Carlisle is in Clark 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).
New Carlisle
Map of Clark County, Ohio, with New Carlisle marked. Around it, the neighboring counties.
New Carlisle
Clark County
Other cities with a page
New Carlisle's own numbers
Typical home value
$131,800
Typical monthly rent
$840
Typical yearly household income
$64,443
Households that own their home
67%
Effective property tax rate
1.37%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Clark County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,160
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
1.9%
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 Clark County.
A typical home in New Carlisle is worth $131,800: 22% below the county and 39% below Ohio. With the typical household income in New Carlisle ($64,443 a year), a typical home costs 2.0 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.
New Carlisle2.0 years
Clark2.7 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Clark County
According to FHFA’s house price index, home prices in Clark County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Clark County.
Yearly change in FHFA’s price index in Clark County, 2016 to 2025
2016: +2.6% +2.6% 2016
2017: +3.7% +3.7% 2017
2018: +5.3% +5.3% 2018
2019: +6.1% +6.1% 2019
2020: +4.8% +4.8% 2020
2021: +13.2% +13.2% 2021
2022: +15.4% +15.4% 2022
2023: +8.6% +8.6% 2023
2024: +8.6% +8.6% 2024
2025: +4.7% +4.7% 2025
Change in FHFA’s price index in Clark County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+4.7%
+4.8%
+2.9%
5 years (2020–2025)
+61%
+53%
+47%
10 years (2015–2025)
+101%
+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
New Carlisle next to Clark 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
New Carlisle$131,800
Clark$169,900
Ohio$214,800
United States$332,700
Typical monthly rent
New Carlisle$840
Clark$872
Ohio$1,034
United States$1,413
Typical yearly household income
New Carlisle$64,443
Clark$63,132
Ohio$71,389
United States$80,734
See the full table
New Carlisle next to Clark County and Ohio
Measure
New Carlisle
Clark County
Ohio
U.S.
Typical home value
$131,800 ▼22% below the county
$169,900
$214,800
$332,700
Typical monthly rent
$840 ▼4% below the county
$872
$1,034
$1,413
Typical yearly household income
$64,443 ▲2% above the county
$63,132
$71,389
$80,734
Households that own their home
67% ▼3 points below the county
69%
67%
65%
Typical yearly property tax
$1,804 ▼11% below the county
$2,019
$2,822
$3,119
Effective property tax rate
1.37% ▲0.18 points above the county
1.19%
1.31%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clark 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 New Carlisle
For a typical $131,800 home in New Carlisle, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, New Carlisle's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,140a month
Least cash to close
Down payment
$4,613
Cash to close
$8,567
Rate
7.18%
Mortgage insurance
FHA MIP · $58
Conventional, 5% down$1,116a month
Down payment
$6,590
Cash to close
$10,544
Rate
7.18%
Mortgage insurance
PMI · $63
Conventional, 20% down, no PMI$920a month
Down payment
$26,360
Cash to close
$30,314
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,042a month
Down payment
$19,770
Cash to close
$23,724
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in New Carlisle
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,140
$4,613
$129,413
7.18%
FHA MIP · $58
$8,567
580
Conventional, 5% down
$1,116
$6,590
$125,210
7.18%
PMI · $63
$10,544
620*
Conventional, 20% down, no PMI
$920
$26,360
$105,440
7.18%
None
$30,314
620*
ITIN, 15% down (example)
$1,042
$19,770
$112,030
8.18%
None
$23,724
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 New Carlisle is $840 a month: 4% below the county.
HUD publishes a fair market rent for all of Clark County, by unit size. To pay the 2-bedroom one ($1,160 a month) without spending more than 30% of your income, you would need to earn $22.31 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 Clark County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$808
$15.54
$32,320
1 bedroom
$887
$17.06
$35,480
2 bedrooms
$1,160
$22.31
$46,400
3 bedrooms
$1,434
$27.58
$57,360
4 bedrooms
$1,648
$31.69
$65,920
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 New Carlisle
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). New Carlisle is in ZIP code 45344.
For 2 bedrooms it is $1,090: $70 less than the fair market rent for Clark County ($1,160).
Fair market rent by ZIP code and size in New Carlisle, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
45344
$760
$840
$1,090
$1,360
$1,550
ZIP code2 bd3 bd
45344 $1,090$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 New Carlisle 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.
There is 1 HUD-approved agency with an office in Clark County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for New Carlisle or Clark County. The ones below are statewide in Ohio: they work in New Carlisle 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 New Carlisle, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
GF
Greenpath Financial Wellness
2465 Executive Park Blvd, Fairborn · 12 miles away · Spanish
No legal help resource on our list is for New Carlisle or Clark 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 New Carlisle and all of Clark 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 New Carlisle?
The typical home value in New Carlisle is $131,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clark County it is $169,900.
How much does it cost to rent in New Carlisle?
Typical rent in New Carlisle is $840 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clark County is $1,160.
What is the FHA loan limit in New Carlisle?
New Carlisle uses the FHA limit for all of Clark 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 New Carlisle?
The typical homeowner in New Carlisle pays $1,804 a year, according to the U.S. Census Bureau. That is 1.37% of the home’s value; in Clark County, the rate is 1.19%.
Where can I find free help to buy or rent in New Carlisle?
There is 1 HUD-approved counseling agency with an office in Clark County. They can help you get ready to buy, with your credit, or with rent.
