In Northwood, a typical home is worth $183,100 and typical rent is $965 a month. Compared with all of Wood County, the typical home value is 20% lower and the share of households that own their home is 19 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $174,592 to $183,349.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Northwood is in Wood 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 Wood County. See the county
What this place has that others do not, from public data, most unusual first.
1
84% of households in Northwood own their home, against 64% in Wood County.
2
Nearby, in Toledo, the typical home value is $114,500: 37% less than in Northwood ($183,100).
3
The typical home in Northwood is worth $183,100,20% less than in Wood County as a whole ($227,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Northwood
What homes there are in Northwood, 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
Northwood
Wood County
Ohio
United States
Kind of home: Northwood and its comparisons
Measure
Northwood
Wood County
Ohio
United States
Detached house
85%
64%
69%
61%
Attached house
Unreliable estimate
4%
5%
6%
Building of 2 to 4
Unreliable estimate
6%
8%
8%
Apartments (5 or more)
Unreliable estimate
20%
15%
19%
Mobile home
Unreliable estimate
6%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Northwood, 8 in 10 homes are single-family detached houses; in Wood County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Northwood
Wood County
Ohio
United States
Year built: Northwood and its comparisons
Measure
Northwood
Wood County
Ohio
United States
Before 1960
26%
26%
38%
26%
1960–1979
45%
26%
26%
24%
1980–1999
23%
25%
20%
25%
2000–2009
Unreliable estimate
14%
10%
14%
2010 or later
Unreliable estimate
9%
7%
11%
The typical home in Northwood was built in 1974, 4 years before the typical one in Wood County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K53%
$200K–$300K24%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Northwood and its comparisons
Measure
Northwood
Under $100K
Unreliable estimate
$100K–$200K
53%
$200K–$300K
24%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Northwood and its comparisons
Measure
Northwood
Under $500
Unreliable
$500–$999
Unreliable estimate
$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
$1,189 a month
Wood County: $1,626 a month
Without a mortgage
$577 a month
Wood County: $640 a month
Owners with a mortgage
70%
Wood County: 62%
Owning costs less in Northwood: with a mortgage, the typical cost is $1,189 a month; in Wood County, $1,626. Without one, $577.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Northwood+42%
Wood County+39%
Ohio+47%
United States+53%
Typical rent
Northwood+29%
Wood County+22%
Ohio+28%
United States+33%
Typical household income
Northwood+24%
Wood County+19%
Ohio+26%
United States+29%
Change since 2015–2019: Northwood and its comparisons
Measure
Northwood
Wood County
Ohio
United States
Typical home value
+42%
+39%
+47%
+53%
Typical rent
+29%
+22%
+28%
+33%
Typical household income
+24%
+19%
+26%
+29%
Much as in Wood County, the typical home value in Northwood rose 42% since 2015–2019.
Rents in Northwood rose faster than in Wood County: 29% since 2015–2019, against 22%.
The typical household income in Northwood rose 24%: less than home values (+42%) and rent (+29%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Northwood and its comparisons
Measure
Northwood
Wood County
Ohio
United States
Rental vacancy
Unreliable estimate
3.0%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.1%
1.5%
3.4%
People per household
2.30
2.33
2.37
2.53
Drive alone
88%
80%
75%
69%
Carpool
Unreliable estimate
6%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
Unreliable estimate
10%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
A household in Northwood has 2.30 people on average, about the same as in Wood County (2.33).
To get to work, 88% of workers in Northwood drive alone; in Wood County, 80%.
Do the math
What would you pay each month for a home in Northwood?
A typical home is within reach of the typical income
We start with a typical home in Northwood, worth $183,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Northwood, which is $77,268 a year.
The calculator's FHA and conventional loan limits are those of all of Wood 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 Northwood. 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 $6,409 (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
$1,593
at 7.18% · 30 years
Loan amount
$179,783
Total interest
$258,666
Paid off in
November 2056
Includes $3,092 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,803 a month
Your payment · 25%
Tight
$1,803 to $2,318 a month
Hard
more than $2,318 a month
Compared with the typical household income in Northwood ($77,268 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,218
Property tax
$218
Home insurance
$76
FHA mortgage insurance (MIP)
$81
You need at least $6,409 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 $1,593; principal and interest $1,218.
The city and its county
Northwood and Wood County
Northwood is in Wood 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).
Northwood
Map of Wood County, Ohio, with Northwood marked. Around it, the neighboring counties.
Northwood
Wood County
Other cities with a page
Northwood's own numbers
Typical home value
$183,100
Typical monthly rent
$965
Typical yearly household income
$77,268
Households that own their home
84%
Effective property tax rate
1.43%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Wood County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,145
Price change over 5 years (FHFA)
+46%
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 Wood County.
A typical home in Northwood is worth $183,100: 20% below the county and 15% below Ohio. With the typical household income in Northwood ($77,268 a year), a typical home costs 2.4 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.
Northwood2.4 years
Wood3.1 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Wood County
According to FHFA’s house price index, home prices in Wood County rose 77% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Wood County.
Yearly change in FHFA’s price index in Wood County, 2016 to 2025
2016: +2.8% +2.8% 2016
2017: +4.5% +4.5% 2017
2018: +5.2% +5.2% 2018
2019: +3.4% +3.4% 2019
2020: +3.4% +3.4% 2020
2021: +9.5% +9.5% 2021
2022: +11.1% +11.1% 2022
2023: +8.2% +8.2% 2023
2024: +7.2% +7.2% 2024
2025: +3.8% +3.8% 2025
Change in FHFA’s price index in Wood County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+3.8%
+4.8%
+2.9%
5 years (2020–2025)
+46%
+53%
+47%
10 years (2015–2025)
+77%
+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
Northwood next to Wood 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
Northwood$183,100
Wood$227,600
Ohio$214,800
United States$332,700
Typical monthly rent
Northwood$965
Wood$972
Ohio$1,034
United States$1,413
Typical yearly household income
Northwood$77,268
Wood$74,216
Ohio$71,389
United States$80,734
See the full table
Northwood next to Wood County and Ohio
Measure
Northwood
Wood County
Ohio
U.S.
Typical home value
$183,100 ▼20% below the county
$227,600
$214,800
$332,700
Typical monthly rent
$965
$972
$1,034
$1,413
Typical yearly household income
$77,268 ▲4% above the county
$74,216
$71,389
$80,734
Households that own their home
84% ▲19 points above the county
64%
67%
65%
Typical yearly property tax
$2,624 ▼14% below the county
$3,059
$2,822
$3,119
Effective property tax rate
1.43% ▲0.09 points above the county
1.34%
1.31%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Wood 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 Northwood
For a typical $183,100 home in Northwood, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Northwood's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,593a month
Least cash to close
Down payment
$6,409
Cash to close
$11,902
Rate
7.18%
Mortgage insurance
FHA MIP · $81
Conventional, 5% down$1,560a month
Down payment
$9,155
Cash to close
$14,648
Rate
7.18%
Mortgage insurance
PMI · $87
Conventional, 20% down, no PMI$1,287a month
Down payment
$36,620
Cash to close
$42,113
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,456a month
Down payment
$27,465
Cash to close
$32,958
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Northwood
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,593
$6,409
$179,784
7.18%
FHA MIP · $81
$11,902
580
Conventional, 5% down
$1,560
$9,155
$173,945
7.18%
PMI · $87
$14,648
620*
Conventional, 20% down, no PMI
$1,287
$36,620
$146,480
7.18%
None
$42,113
620*
ITIN, 15% down (example)
$1,456
$27,465
$155,635
8.18%
None
$32,958
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 Northwood is $965 a month: about the same as the county.
HUD publishes a fair market rent for all of Wood County, by unit size. To pay the 2-bedroom one ($1,145 a month) without spending more than 30% of your income, you would need to earn $22.02 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 Wood County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$822
$15.81
$32,880
1 bedroom
$875
$16.83
$35,000
2 bedrooms
$1,145
$22.02
$45,800
3 bedrooms
$1,461
$28.10
$58,440
4 bedrooms
$1,558
$29.96
$62,320
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 Northwood
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Northwood is in ZIP code 43619.
For 2 bedrooms it is $1,060: $85 less than the fair market rent for Wood County ($1,145).
Fair market rent by ZIP code and size in Northwood, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
43619
$760
$810
$1,060
$1,350
$1,440
ZIP code2 bd3 bd
43619 $1,060$1,350
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Northwood 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 Wood 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 Northwood or Wood County. The ones below are statewide in Ohio: they work in Northwood 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 Northwood or Wood 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 Northwood and all of Wood 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 Northwood?
The typical home value in Northwood is $183,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Wood County it is $227,600.
How much does it cost to rent in Northwood?
Typical rent in Northwood is $965 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Wood County is $1,145.
What is the FHA loan limit in Northwood?
Northwood uses the FHA limit for all of Wood 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 Northwood?
The typical homeowner in Northwood pays $2,624 a year, according to the U.S. Census Bureau. That is 1.43% of the home’s value; in Wood County, the rate is 1.34%.
Where can I find free help to buy or rent in Northwood?
We found no HUD-approved counseling agencies with an office in Wood County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
