In Norwalk, a typical home is worth $163,300 and typical rent is $836 a month. Compared with all of Huron County, typical household income is 10% 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 $164,962 to $214,844.
Typical rent
$1,448a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Norwalk is in Huron 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 Huron County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Sandusky, the typical home value is $113,100: 31% less than in Norwalk ($163,300).
2
65% of households in Norwalk own their home, against 74% in Huron County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Norwalk
What homes there are in Norwalk, 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
Norwalk
Huron County
Ohio
United States
Kind of home: Norwalk and its comparisons
Measure
Norwalk
Huron County
Ohio
United States
Detached house
61%
73%
69%
61%
Attached house
8%
4%
5%
6%
Building of 2 to 4
15%
10%
8%
8%
Apartments (5 or more)
Unreliable estimate
6%
15%
19%
Mobile home
5%
8%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Norwalk (61%), but less so than in Huron County (73%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Norwalk
Huron County
Ohio
United States
Year built: Norwalk and its comparisons
Measure
Norwalk
Huron County
Ohio
United States
Before 1960
42%
41%
38%
26%
1960–1979
22%
26%
26%
24%
1980–1999
20%
21%
20%
25%
2000–2009
13%
9%
10%
14%
2010 or later
3%
3%
7%
11%
In Norwalk, half of the homes were built before 1968; in Huron County, before 1968.
There are fewer big homes in Norwalk than in Huron County: 63% have 3 bedrooms or more, against 70%.
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 $100K20%
$100K–$200K51%
$200K–$300K20%
$300K–$500K6%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Norwalk and its comparisons
Measure
Norwalk
Under $100K
20%
$100K–$200K
51%
$200K–$300K
20%
$300K–$500K
6%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 96% of owner-occupied homes in Norwalk sit below it: they are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50010%
$500–$99961%
$1,000–$1,49925%
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: Norwalk and its comparisons
Measure
Norwalk
Under $500
10%
$500–$999
61%
$1,000–$1,499
25%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
About 71% of rented homes in Norwalk cost less than HUD's 2-bedroom fair market rent for Huron County ($1,003).
With a mortgage
$1,152 a month
Huron County: $1,220 a month
Without a mortgage
$539 a month
Huron County: $534 a month
Owners with a mortgage
60%
Huron County: 57%
Owning costs less in Norwalk: with a mortgage, the typical cost is $1,152 a month; in Huron County, $1,220. Without one, $539.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Norwalk+29%
Huron County+33%
Ohio+47%
United States+53%
Typical rent
Norwalk+24%
Huron County+22%
Ohio+28%
United States+33%
Typical household income
Norwalk+33%
Huron County+29%
Ohio+26%
United States+29%
Change since 2015–2019: Norwalk and its comparisons
Measure
Norwalk
Huron County
Ohio
United States
Typical home value
+29%
+33%
+47%
+53%
Typical rent
+24%
+22%
+28%
+33%
Typical household income
+33%
+29%
+26%
+29%
Homes in Norwalk gained value more slowly than in Huron County: 29% since 2015–2019, against 33%.
The typical rent in Norwalk rose 24% since 2015–2019, about the same as in Huron County (22%).
Here income gained ground: typical income rose 33%, against +29% for home values and +24% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Norwalk and its comparisons
Measure
Norwalk
Huron County
Ohio
United States
Rental vacancy
Unreliable estimate
10.9%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.4%
1.5%
3.4%
People per household
2.26
2.45
2.37
2.53
Drive alone
80%
82%
75%
69%
Carpool
13%
9%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
5%
5%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.26 on average, against 2.45 in Huron County.
Carpooling is common in Norwalk: 13% of workers get to work that way, against 9% in Huron County.
Do the math
What would you pay each month for a home in Norwalk?
A typical home is within reach of the typical income
We start with a typical home in Norwalk, worth $163,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Norwalk, which is $60,844 a year.
The calculator's FHA and conventional loan limits are those of all of Huron 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 Norwalk. 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 $5,716 (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
$1,375
at 7.18% · 30 years
Loan amount
$160,342
Total interest
$230,694
Paid off in
November 2056
Includes $2,758 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,420 a month
Your payment · 27%
Tight
$1,420 to $1,825 a month
Hard
more than $1,825 a month
Compared with the typical household income in Norwalk ($60,844 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,086
Property tax
$148
Home insurance
$68
FHA mortgage insurance (MIP)
$72
You need at least $5,716 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 $1,375; principal and interest $1,086.
The city and its county
Norwalk and Huron County
Norwalk is in Huron 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).
Norwalk
Map of Huron County, Ohio, with Norwalk marked. Around it, the neighboring counties.
Norwalk
Huron County
Other cities with a page
Norwalk's own numbers
Typical home value
$163,300
Typical monthly rent
$836
Typical yearly household income
$60,844
Households that own their home
65%
Effective property tax rate
1.09%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Huron 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)
+53%
Homes in a high flood-risk zone
0.8%
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 Huron County.
A typical home in Norwalk is worth $163,300: about the same as the county and 24% below Ohio. With the typical household income in Norwalk ($60,844 a year), a typical home costs 2.7 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.
Norwalk2.7 years
Huron2.4 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Huron County
According to FHFA’s house price index, home prices in Huron County rose 84% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Huron County.
Yearly change in FHFA’s price index in Huron County, 2016 to 2025
2016: +3.8% +3.8% 2016
2017: +2.1% +2.1% 2017
2018: +3.9% +3.9% 2018
2019: +4.4% +4.4% 2019
2020: +4.4% +4.4% 2020
2021: +10.1% +10.1% 2021
2022: +12.0% +12.0% 2022
2023: +7.0% +7.0% 2023
2024: +6.9% +6.9% 2024
2025: +8.6% +8.6% 2025
Change in FHFA’s price index in Huron County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+8.6%
+4.8%
+2.9%
5 years (2020–2025)
+53%
+53%
+47%
10 years (2015–2025)
+84%
+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
Norwalk next to Huron 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
Norwalk$163,300
Huron$166,000
Ohio$214,800
United States$332,700
Typical monthly rent
Norwalk$836
Huron$848
Ohio$1,034
United States$1,413
Typical yearly household income
Norwalk$60,844
Huron$67,878
Ohio$71,389
United States$80,734
See the full table
Norwalk next to Huron County and Ohio
Measure
Norwalk
Huron County
Ohio
U.S.
Typical home value
$163,300
$166,000
$214,800
$332,700
Typical monthly rent
$836
$848
$1,034
$1,413
Typical yearly household income
$60,844 ▼10% below the county
$67,878
$71,389
$80,734
Households that own their home
65% ▼9 points below the county
74%
67%
65%
Typical yearly property tax
$1,773
$1,751
$2,822
$3,119
Effective property tax rate
1.09% ▲0.04 points above the county
1.05%
1.31%
0.94%
Renters with high rent for their income
43% ▲1 points above the county
43%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Huron 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 Norwalk
For a typical $163,300 home in Norwalk, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Norwalk's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,375a month
Least cash to close
Down payment
$5,716
Cash to close
$10,615
Rate
7.18%
Mortgage insurance
FHA MIP · $72
Conventional, 5% down$1,345a month
Down payment
$8,165
Cash to close
$13,064
Rate
7.18%
Mortgage insurance
PMI · $78
Conventional, 20% down, no PMI$1,101a month
Down payment
$32,660
Cash to close
$37,559
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,252a month
Down payment
$24,495
Cash to close
$29,394
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Norwalk
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,375
$5,716
$160,342
7.18%
FHA MIP · $72
$10,615
580
Conventional, 5% down
$1,345
$8,165
$155,135
7.18%
PMI · $78
$13,064
620*
Conventional, 20% down, no PMI
$1,101
$32,660
$130,640
7.18%
None
$37,559
620*
ITIN, 15% down (example)
$1,252
$24,495
$138,805
8.18%
None
$29,394
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 Norwalk is $836 a month: about the same as the county. In Norwalk, 43% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Huron 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 Huron County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$784
$15.08
$31,360
1 bedroom
$789
$15.17
$31,560
2 bedrooms
$1,003
$19.29
$40,120
3 bedrooms
$1,258
$24.19
$50,320
4 bedrooms
$1,535
$29.52
$61,400
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 Norwalk
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Norwalk is in ZIP code 44857.
For 2 bedrooms it is $1,000: $3 less than the fair market rent for Huron County ($1,003).
Fair market rent by ZIP code and size in Norwalk, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
44857
$780
$800
$1,000
$1,260
$1,530
ZIP code2 bd3 bd
44857 $1,000$1,260
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Norwalk 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 Huron 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 Norwalk or Huron County. The ones below are statewide in Ohio: they work in Norwalk 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 Norwalk or Huron 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 Norwalk and all of Huron 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 Norwalk?
The typical home value in Norwalk is $163,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Huron County it is $166,000.
How much does it cost to rent in Norwalk?
Typical rent in Norwalk is $836 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Huron County is $1,003.
What is the FHA loan limit in Norwalk?
Norwalk uses the FHA limit for all of Huron 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 Norwalk?
The typical homeowner in Norwalk pays $1,773 a year, according to the U.S. Census Bureau. That is 1.09% of the home’s value; in Huron County, the rate is 1.05%.
Where can I find free help to buy or rent in Norwalk?
We found no HUD-approved counseling agencies with an office in Huron County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
