In Niles, a typical home is worth $116,300 and typical rent is $798 a month. Compared with all of Trumbull County, the typical home value is 18% lower, typical household income is 10% lower, and the share of households that own their home is 18 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $90,963 to $137,347.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Niles is in Trumbull 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 Trumbull County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Youngstown, the typical home value is $63,300: 46% less than in Niles ($116,300).
2
54% of households in Niles own their home, against 71% in Trumbull County.
3
According to Zillow, in the 12 months to September 2026 the typical home value in Niles rose 6.8%; in Ohio, it rose 3.2%.
4
The typical home in Niles is worth $116,300,18% less than in Trumbull County as a whole ($141,800).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Niles
What homes there are in Niles, 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
Niles
Trumbull County
Ohio
United States
Kind of home: Niles and its comparisons
Measure
Niles
Trumbull County
Ohio
United States
Detached house
64%
76%
69%
61%
Attached house
2%
4%
5%
6%
Building of 2 to 4
10%
7%
8%
8%
Apartments (5 or more)
23%
9%
15%
19%
Mobile home
Unreliable estimate
4%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Niles (64%), but less so than in Trumbull County (76%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Niles
Trumbull County
Ohio
United States
Year built: Niles and its comparisons
Measure
Niles
Trumbull County
Ohio
United States
Before 1960
46%
44%
38%
26%
1960–1979
33%
33%
26%
24%
1980–1999
13%
16%
20%
25%
2000–2009
4%
5%
10%
14%
2010 or later
4%
3%
7%
11%
The typical year built in Niles is 1963, about the same as in Trumbull County (1964).
Homes in Niles are smaller: 59% have 3 bedrooms or more; in Trumbull County, 66%.
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 $100K36%
$100K–$200K46%
$200K–$300K12%
$300K–$500K5%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Niles and its comparisons
Measure
Niles
Under $100K
36%
$100K–$200K
46%
$200K–$300K
12%
$300K–$500K
5%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
At least 99% of owner-occupied homes in Niles are worth less than $500,000, below the FHA loan limit for Trumbull County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5009%
$500–$99958%
$1,000–$1,49930%
HUD fair market rent, 2 bedrooms: $1,003
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Niles and its comparisons
Measure
Niles
Under $500
9%
$500–$999
58%
$1,000–$1,499
30%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
About 67% of rented homes in Niles cost less than HUD's 2-bedroom fair market rent for Trumbull County ($1,003).
With a mortgage
$993 a month
Trumbull County: $1,144 a month
Without a mortgage
$507 a month
Trumbull County: $488 a month
Owners with a mortgage
48%
Trumbull County: 52%
The typical cost for an owner with a mortgage in Niles is $993 a month, less than in Trumbull County ($1,144); without one, $507.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Niles+37%
Trumbull County+38%
Ohio+47%
United States+53%
Typical rent
Niles+15%
Trumbull County+18%
Ohio+28%
United States+33%
Typical household income
Niles+16%
Trumbull County+19%
Ohio+26%
United States+29%
Change since 2015–2019: Niles and its comparisons
Measure
Niles
Trumbull County
Ohio
United States
Typical home value
+37%
+38%
+47%
+53%
Typical rent
+15%
+18%
+28%
+33%
Typical household income
+16%
+19%
+26%
+29%
Much as in Trumbull County, the typical home value in Niles rose 37% since 2015–2019.
Rents in Niles rose at about the same pace as in Trumbull County: 15% since 2015–2019, against 18%.
The typical household income in Niles rose 16% over that time; home values changed +37% and rent +15%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Niles and its comparisons
Measure
Niles
Trumbull County
Ohio
United States
Rental vacancy
Unreliable estimate
6.0%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.0%
1.5%
3.4%
People per household
2.07
2.28
2.37
2.53
Drive alone
80%
81%
75%
69%
Carpool
12%
9%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
5%
7%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Households in Niles are smaller: 2.07 people on average; in Trumbull County, 2.28.
In Niles, 12% of workers share a car to get to work; in Trumbull County, 9%.
Do the math
What would you pay each month for a home in Niles?
A typical home is within reach of the typical income
We start with a typical home in Niles, worth $116,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Niles, which is $50,953 a year.
The calculator's FHA and conventional loan limits are those of all of Trumbull 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 Niles. 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 $4,071 (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
$991
at 7.18% · 30 years
Loan amount
$114,193
Total interest
$164,297
Paid off in
November 2056
Includes $1,964 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,189 a month
Your payment · 23%
Tight
$1,189 to $1,529 a month
Hard
more than $1,529 a month
Compared with the typical household income in Niles ($50,953 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$774
Property tax
$117
Home insurance
$49
FHA mortgage insurance (MIP)
$51
You need at least $4,071 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 $991; principal and interest $774.
The city and its county
Niles and Trumbull County
Niles is in Trumbull 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).
Niles
Map of Trumbull County, Ohio, with Niles marked. Around it, the neighboring counties.
Niles
Trumbull County
Other cities with a page
Niles's own numbers
Typical home value
$116,300
Typical monthly rent
$798
Typical yearly household income
$50,953
Households that own their home
54%
Effective property tax rate
1.21%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Trumbull County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,003
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
1.4%
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 Trumbull County.
A typical home in Niles is worth $116,300: 18% below the county and 46% below Ohio. With the typical household income in Niles ($50,953 a year), a typical home costs 2.3 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.
Niles2.3 years
Trumbull2.5 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Trumbull County
According to FHFA’s house price index, home prices in Trumbull County rose 92% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Trumbull County.
Yearly change in FHFA’s price index in Trumbull County, 2016 to 2025
2016: +4.9% +4.9% 2016
2017: +4.3% +4.3% 2017
2018: +4.0% +4.0% 2018
2019: +1.9% +1.9% 2019
2020: +4.3% +4.3% 2020
2021: +11.9% +11.9% 2021
2022: +13.7% +13.7% 2022
2023: +10.1% +10.1% 2023
2024: +8.2% +8.2% 2024
2025: +5.1% +5.1% 2025
Change in FHFA’s price index in Trumbull County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+5.1%
+4.8%
+2.9%
5 years (2020–2025)
+59%
+53%
+47%
10 years (2015–2025)
+92%
+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
Niles next to Trumbull 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
Niles$116,300
Trumbull$141,800
Ohio$214,800
United States$332,700
Typical monthly rent
Niles$798
Trumbull$797
Ohio$1,034
United States$1,413
Typical yearly household income
Niles$50,953
Trumbull$56,435
Ohio$71,389
United States$80,734
See the full table
Niles next to Trumbull County and Ohio
Measure
Niles
Trumbull County
Ohio
U.S.
Typical home value
$116,300 ▼18% below the county
$141,800
$214,800
$332,700
Typical monthly rent
$798
$797
$1,034
$1,413
Typical yearly household income
$50,953 ▼10% below the county
$56,435
$71,389
$80,734
Households that own their home
54% ▼18 points below the county
71%
67%
65%
Typical yearly property tax
$1,403 ▼24% below the county
$1,856
$2,822
$3,119
Effective property tax rate
1.21% ▼0.1 points below the county
1.31%
1.31%
0.94%
Renters with high rent for their income
45% ▼2 points below 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 Trumbull 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 Niles
For a typical $116,300 home in Niles, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Niles's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$991a month
Least cash to close
Down payment
$4,071
Cash to close
$7,560
Rate
7.18%
Mortgage insurance
FHA MIP · $51
Conventional, 5% down$969a month
Down payment
$5,815
Cash to close
$9,304
Rate
7.18%
Mortgage insurance
PMI · $55
Conventional, 20% down, no PMI$796a month
Down payment
$23,260
Cash to close
$26,749
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$904a month
Down payment
$17,445
Cash to close
$20,934
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Niles
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$991
$4,071
$114,194
7.18%
FHA MIP · $51
$7,560
580
Conventional, 5% down
$969
$5,815
$110,485
7.18%
PMI · $55
$9,304
620*
Conventional, 20% down, no PMI
$796
$23,260
$93,040
7.18%
None
$26,749
620*
ITIN, 15% down (example)
$904
$17,445
$98,855
8.18%
None
$20,934
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 Niles is $798 a month: about the same as the county. In Niles, 45% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Trumbull County, by unit size. To pay the 2-bedroom one ($1,003 a month) without spending more than 30% of your income, you would need to earn $19.29 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 Trumbull County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$755
$14.52
$30,200
1 bedroom
$801
$15.40
$32,040
2 bedrooms
$1,003
$19.29
$40,120
3 bedrooms
$1,295
$24.90
$51,800
4 bedrooms
$1,374
$26.42
$54,960
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 Niles
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Niles is in ZIP code 44446.
For 2 bedrooms it is $1,000: $3 less than the fair market rent for Trumbull County ($1,003).
Fair market rent by ZIP code and size in Niles, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
44446
$760
$800
$1,000
$1,300
$1,370
ZIP code2 bd3 bd
44446 $1,000$1,300
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Niles 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 5 buildings with rents for lower incomes in Niles. These are the largest.
Mckinley Towers425 Seneca St, Niles 44446214 low-income homes · Run by Trumbull Metropolitan Housing Authority · Average payment: $328 a month · Average wait: 52 months(330) 369-1533
Royal Mall Apts17 Royal Mall Dr, Niles 44446168 homes, 163 low-income · For families(330) 652-3658
Edison Place36 W Church St, Niles 4444650 low-income homes · 2 bd: 50 · In service since 2010 · For older adults
Heaton House1123 North Rd, Niles 4444650 low-income homes · For older adults(330) 372-4944
Central Park Apartments155 E State St, Niles 4444650 homes, 36 low-income · For older adults(330) 544-0849
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 Trumbull County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Niles or Trumbull County. The ones below are statewide in Ohio: they work in Niles 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 Niles or Trumbull 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 Niles and all of Trumbull 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 Niles?
The typical home value in Niles is $116,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Trumbull County it is $141,800.
How much does it cost to rent in Niles?
Typical rent in Niles is $798 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Trumbull County is $1,003.
What is the FHA loan limit in Niles?
Niles uses the FHA limit for all of Trumbull 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 Niles?
The typical homeowner in Niles pays $1,403 a year, according to the U.S. Census Bureau. That is 1.21% of the home’s value; in Trumbull County, the rate is 1.31%.
Where can I find free help to buy or rent in Niles?
There is 1 HUD-approved counseling agency with an office in Trumbull County. They can help you get ready to buy, with your credit, or with rent.
