In Ontario, a typical home is worth $174,500 and typical rent is $1,093 a month. Compared with all of Richland County, typical rent is 33% higher, typical household income is 15% higher, and the share of households that own their home is 9 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $172,319 to $239,544.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Ontario is in Richland 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 Richland County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Galion, the typical home value is $112,700: 35% less than in Ontario ($174,500).
2
Nearby, in Bucyrus, the typical rent is $765: 30% less than in Ontario ($1,093).
3
The typical rent in Ontario is $1,093 a month, 33% more than in Richland County as a whole ($824).
4
The typical household income in Ontario is $68,539,15% more than in Richland County as a whole ($59,509).
5
59% of households in Ontario own their home, against 68% in Richland County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Ontario
What homes there are in Ontario, 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
Ontario
Richland County
Ohio
United States
Kind of home: Ontario and its comparisons
Measure
Ontario
Richland County
Ohio
United States
Detached house
58%
72%
69%
61%
Attached house
16%
5%
5%
6%
Building of 2 to 4
Unreliable estimate
9%
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%
Detached houses are the majority in Ontario (58%), but less so than in Richland County (72%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Ontario
Richland County
Ohio
United States
Year built: Ontario and its comparisons
Measure
Ontario
Richland County
Ohio
United States
Before 1960
22%
43%
38%
26%
1960–1979
22%
31%
26%
24%
1980–1999
36%
17%
20%
25%
2000–2009
12%
7%
10%
14%
2010 or later
Unreliable estimate
3%
7%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K49%
$200K–$300K25%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Ontario and its comparisons
Measure
Ontario
Under $100K
Unreliable estimate
$100K–$200K
49%
$200K–$300K
25%
$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–$1,49953%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Ontario and its comparisons
Measure
Ontario
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
53%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,305 a month
Richland County: $1,218 a month
Without a mortgage
$563 a month
Richland County: $489 a month
Owners with a mortgage
52%
Richland County: 54%
The typical cost for an owner with a mortgage in Ontario is $1,305 a month, more than in Richland County ($1,218); without one, $563.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Ontario+38%
Richland County+49%
Ohio+47%
United States+53%
Typical rent
Ontario+38%
Richland County+21%
Ohio+28%
United States+33%
Typical household income
OntarioNo clear change
Richland County+20%
Ohio+26%
United States+29%
Change since 2015–2019: Ontario and its comparisons
Measure
Ontario
Richland County
Ohio
United States
Typical home value
+38%
+49%
+47%
+53%
Typical rent
+38%
+21%
+28%
+33%
Typical household income
No clear change
+20%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Ontario rose 38%; in Richland County, it rose 49%.
The typical rent in Ontario rose 38% over the same time; in Richland County, it rose 21%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Ontario and its comparisons
Measure
Ontario
Richland County
Ohio
United States
Rental vacancy
Unreliable estimate
5.4%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
1.8%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.2%
1.5%
3.4%
People per household
2.41
2.36
2.37
2.53
Drive alone
81%
81%
75%
69%
Carpool
Unreliable estimate
10%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
Unreliable estimate
6%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Richland County, a household in Ontario has 2.41 people on average.
In Ontario, 81% of workers drive alone to work; in Richland County, 81%.
Do the math
What would you pay each month for a home in Ontario?
A typical home is within reach of the typical income
We start with a typical home in Ontario, worth $174,500, 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 Ontario, which is $68,539 a year.
The calculator's FHA and conventional loan limits are those of all of Richland 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 Ontario. 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 $6,108 (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
$1,521
at 7.18% · 30 years
Loan amount
$171,339
Total interest
$246,516
Paid off in
November 2056
Includes $2,947 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,599 a month
Your payment · 27%
Tight
$1,599 to $2,056 a month
Hard
more than $2,056 a month
Compared with the typical household income in Ontario ($68,539 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,161
Property tax
$211
Home insurance
$73
FHA mortgage insurance (MIP)
$77
You need at least $6,108 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 $1,521; principal and interest $1,161.
The city and its county
Ontario and Richland County
Ontario is in Richland 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).
Ontario
Map of Richland County, Ohio, with Ontario marked. Around it, the neighboring counties.
Ontario
Richland County
Other cities with a page
Ontario's own numbers
Typical home value
$174,500
Typical monthly rent
$1,093
Typical yearly household income
$68,539
Households that own their home
59%
Effective property tax rate
1.45%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Richland County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,035
Price change over 5 years (FHFA)
+64%
Homes in a high flood-risk zone
0.6%
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 Richland County.
A typical home in Ontario is worth $174,500: 6% above the county and 19% below Ohio. With the typical household income in Ontario ($68,539 a year), a typical home costs 2.5 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.
Ontario2.5 years
Richland2.8 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Richland County
According to FHFA’s house price index, home prices in Richland County rose 113% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Richland County.
Yearly change in FHFA’s price index in Richland County, 2016 to 2025
2016: +2.2% +2.2% 2016
2017: +6.2% +6.2% 2017
2018: +6.0% +6.0% 2018
2019: +7.2% +7.2% 2019
2020: +5.2% +5.2% 2020
2021: +12.8% +12.8% 2021
2022: +14.4% +14.4% 2022
2023: +12.1% +12.1% 2023
2024: +6.7% +6.7% 2024
2025: +6.4% +6.4% 2025
Change in FHFA’s price index in Richland County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+6.4%
+4.8%
+2.9%
5 years (2020–2025)
+64%
+53%
+47%
10 years (2015–2025)
+113%
+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
Ontario next to Richland 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
Ontario$174,500
Richland$164,800
Ohio$214,800
United States$332,700
Typical monthly rent
Ontario$1,093
Richland$824
Ohio$1,034
United States$1,413
Typical yearly household income
Ontario$68,539
Richland$59,509
Ohio$71,389
United States$80,734
See the full table
Ontario next to Richland County and Ohio
Measure
Ontario
Richland County
Ohio
U.S.
Typical home value
$174,500 ▲6% above the county
$164,800
$214,800
$332,700
Typical monthly rent
$1,093 ▲33% above the county
$824
$1,034
$1,413
Typical yearly household income
$68,539 ▲15% above the county
$59,509
$71,389
$80,734
Households that own their home
59% ▼9 points below the county
68%
67%
65%
Typical yearly property tax
$2,524 ▲22% above the county
$2,061
$2,822
$3,119
Effective property tax rate
1.45% ▲0.2 points above the county
1.25%
1.31%
0.94%
Renters with high rent for their income
37% ▼5 points below the county
42%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Richland 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 Ontario
For a typical $174,500 home in Ontario, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Ontario's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,521a month
Least cash to close
Down payment
$6,108
Cash to close
$11,343
Rate
7.18%
Mortgage insurance
FHA MIP · $77
Conventional, 5% down$1,489a month
Down payment
$8,725
Cash to close
$13,960
Rate
7.18%
Mortgage insurance
PMI · $83
Conventional, 20% down, no PMI$1,229a month
Down payment
$34,900
Cash to close
$40,135
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,391a month
Down payment
$26,175
Cash to close
$31,410
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Ontario
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,521
$6,108
$171,339
7.18%
FHA MIP · $77
$11,343
580
Conventional, 5% down
$1,489
$8,725
$165,775
7.18%
PMI · $83
$13,960
620*
Conventional, 20% down, no PMI
$1,229
$34,900
$139,600
7.18%
None
$40,135
620*
ITIN, 15% down (example)
$1,391
$26,175
$148,325
8.18%
None
$31,410
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 Ontario is $1,093 a month: 33% above the county. In Ontario, 37% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Richland County, by unit size. To pay the 2-bedroom one ($1,035 a month) without spending more than 30% of your income, you would need to earn $19.90 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 Richland County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$721
$13.87
$28,840
1 bedroom
$822
$15.81
$32,880
2 bedrooms
$1,035
$19.90
$41,400
3 bedrooms
$1,370
$26.35
$54,800
4 bedrooms
$1,595
$30.67
$63,800
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 Ontario
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Ontario has 2 ZIP codes with their own.
For 2 bedrooms it is $1,040 in all of them.
2 of the 2 are above the fair market rent for Richland County ($1,035).
Fair market rent by ZIP code and size in Ontario, fiscal year 2027.
44903
$730
$830
$1,040
$1,370
$1,600
44906
$720
$830
$1,040
$1,380
$1,600
ZIP code2 bd3 bd
44903 $1,040$1,370
44906 $1,040$1,380
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Ontario 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 Richland 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 Ontario or Richland County. The ones below are statewide in Ohio: they work in Ontario 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 Ontario or Richland 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 Ontario and all of Richland 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 Ontario?
The typical home value in Ontario is $174,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Richland County it is $164,800.
How much does it cost to rent in Ontario?
Typical rent in Ontario is $1,093 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Richland County is $1,035.
What is the FHA loan limit in Ontario?
Ontario uses the FHA limit for all of Richland 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 Ontario?
The typical homeowner in Ontario pays $2,524 a year, according to the U.S. Census Bureau. That is 1.45% of the home’s value; in Richland County, the rate is 1.25%.
Where can I find free help to buy or rent in Ontario?
We found no HUD-approved counseling agencies with an office in Richland County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
