In Piqua, a typical home is worth $138,600 and typical rent is $922 a month. Compared with all of Miami County, the typical home value is 40% lower, typical household income is 12% lower, and the share of households that own their home is 8 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $131,849 to $181,326.
Typical rent
$1,052a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Piqua is in Miami 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 Miami County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Piqua is worth $138,600,40% less than in Miami County as a whole ($229,100).
2
65% of households in Piqua own their home, against 73% in Miami County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Piqua
What homes there are in Piqua, 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
Piqua
Miami County
Ohio
United States
Kind of home: Piqua and its comparisons
Measure
Piqua
Miami County
Ohio
United States
Detached house
75%
79%
69%
61%
Attached house
5%
4%
5%
6%
Building of 2 to 4
12%
8%
8%
8%
Apartments (5 or more)
Unreliable estimate
8%
15%
19%
Mobile home
Unreliable estimate
Unreliable estimate
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Piqua, but it weighs less than in Miami County: 75% against 79%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Piqua
Miami County
Ohio
United States
Year built: Piqua and its comparisons
Measure
Piqua
Miami County
Ohio
United States
Before 1960
57%
36%
38%
26%
1960–1979
20%
28%
26%
24%
1980–1999
15%
18%
20%
25%
2000–2009
5%
9%
10%
14%
2010 or later
2%
9%
7%
11%
Homes in Piqua are older: the typical year built is 1953; in Miami County, 1971.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K30%
$100K–$200K44%
$200K–$300K18%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Piqua and its comparisons
Measure
Piqua
Under $100K
30%
$100K–$200K
44%
$200K–$300K
18%
$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–$99955%
$1,000–$1,49933%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Piqua and its comparisons
Measure
Piqua
Under $500
Unreliable estimate
$500–$999
55%
$1,000–$1,499
33%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,123 a month
Miami County: $1,453 a month
Without a mortgage
$504 a month
Miami County: $549 a month
Owners with a mortgage
63%
Miami County: 63%
Owning costs less in Piqua: with a mortgage, the typical cost is $1,123 a month; in Miami County, $1,453. Without one, $504.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Piqua+59%
Miami County+51%
Ohio+47%
United States+53%
Typical rent
Piqua+26%
Miami County+26%
Ohio+28%
United States+33%
Typical household income
Piqua+57%
Miami County+26%
Ohio+26%
United States+29%
Change since 2015–2019: Piqua and its comparisons
Measure
Piqua
Miami County
Ohio
United States
Typical home value
+59%
+51%
+47%
+53%
Typical rent
+26%
+26%
+28%
+33%
Typical household income
+57%
+26%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Piqua rose 59%; in Miami County, it rose 51%.
The typical rent in Piqua rose 26% since 2015–2019, about the same as in Miami County (26%).
To compare: typical income in Piqua rose 57%; the home, +59%; the rent, +26%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Piqua and its comparisons
Measure
Piqua
Miami County
Ohio
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
0.8%
1.5%
3.4%
People per household
2.29
2.44
2.37
2.53
Drive alone
79%
80%
75%
69%
Carpool
10%
6%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
7%
10%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Households in Piqua are smaller: 2.29 people on average; in Miami County, 2.44.
Carpooling is common in Piqua: 10% of workers get to work that way, against 6% in Miami County.
Do the math
What would you pay each month for a home in Piqua?
A typical home is within reach of the typical income
We start with a typical home in Piqua, worth $138,600, 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 Piqua, which is $67,796 a year.
The calculator's FHA and conventional loan limits are those of all of Miami 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 Piqua. 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 $4,851 (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
$1,161
at 7.18% · 30 years
Loan amount
$136,090
Total interest
$195,801
Paid off in
November 2056
Includes $2,341 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,582 a month
Your payment · 21%
Tight
$1,582 to $2,034 a month
Hard
more than $2,034 a month
Compared with the typical household income in Piqua ($67,796 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$922
Property tax
$120
Home insurance
$58
FHA mortgage insurance (MIP)
$61
You need at least $4,851 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 $1,161; principal and interest $922.
The city and its county
Piqua and Miami County
Piqua is in Miami 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).
Piqua
Map of Miami County, Ohio, with Piqua marked. Around it, the neighboring counties.
Piqua
Miami County
Other cities with a page
Piqua's own numbers
Typical home value
$138,600
Typical monthly rent
$922
Typical yearly household income
$67,796
Households that own their home
65%
Effective property tax rate
1.04%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Miami County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,248
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
1.7%
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 Miami County.
A typical home in Piqua is worth $138,600: 40% below the county and 35% below Ohio. With the typical household income in Piqua ($67,796 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.
Piqua2.0 years
Miami3.0 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Miami County
According to FHFA’s house price index, home prices in Miami County rose 95% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Miami County.
Yearly change in FHFA’s price index in Miami County, 2016 to 2025
2016: +3.5% +3.5% 2016
2017: +4.1% +4.1% 2017
2018: +5.5% +5.5% 2018
2019: +5.3% +5.3% 2019
2020: +4.8% +4.8% 2020
2021: +11.2% +11.2% 2021
2022: +13.0% +13.0% 2022
2023: +8.6% +8.6% 2023
2024: +9.5% +9.5% 2024
2025: +4.0% +4.0% 2025
Change in FHFA’s price index in Miami County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+4.0%
+4.8%
+2.9%
5 years (2020–2025)
+55%
+53%
+47%
10 years (2015–2025)
+95%
+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
Piqua next to Miami 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
Piqua$138,600
Miami$229,100
Ohio$214,800
United States$332,700
Typical monthly rent
Piqua$922
Miami$966
Ohio$1,034
United States$1,413
Typical yearly household income
Piqua$67,796
Miami$76,817
Ohio$71,389
United States$80,734
See the full table
Piqua next to Miami County and Ohio
Measure
Piqua
Miami County
Ohio
U.S.
Typical home value
$138,600 ▼40% below the county
$229,100
$214,800
$332,700
Typical monthly rent
$922 ▼5% below the county
$966
$1,034
$1,413
Typical yearly household income
$67,796 ▼12% below the county
$76,817
$71,389
$80,734
Households that own their home
65% ▼8 points below the county
73%
67%
65%
Typical yearly property tax
$1,442 ▼36% below the county
$2,254
$2,822
$3,119
Effective property tax rate
1.04% ▲0.06 points above the county
0.98%
1.31%
0.94%
Renters with high rent for their income
54% ▲11 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 Miami 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 Piqua
For a typical $138,600 home in Piqua, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Piqua's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,161a month
Least cash to close
Down payment
$4,851
Cash to close
$9,009
Rate
7.18%
Mortgage insurance
FHA MIP · $61
Conventional, 5% down$1,136a month
Down payment
$6,930
Cash to close
$11,088
Rate
7.18%
Mortgage insurance
PMI · $66
Conventional, 20% down, no PMI$929a month
Down payment
$27,720
Cash to close
$31,878
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,057a month
Down payment
$20,790
Cash to close
$24,948
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Piqua
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,161
$4,851
$136,090
7.18%
FHA MIP · $61
$9,009
580
Conventional, 5% down
$1,136
$6,930
$131,670
7.18%
PMI · $66
$11,088
620*
Conventional, 20% down, no PMI
$929
$27,720
$110,880
7.18%
None
$31,878
620*
ITIN, 15% down (example)
$1,057
$20,790
$117,810
8.18%
None
$24,948
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 Piqua is $922 a month: 5% below the county. In Piqua, 54% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Miami County, by unit size. To pay the 2-bedroom one ($1,248 a month) without spending more than 30% of your income, you would need to earn $24.00 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 Miami County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$909
$17.48
$36,360
1 bedroom
$1,008
$19.38
$40,320
2 bedrooms
$1,248
$24.00
$49,920
3 bedrooms
$1,623
$31.21
$64,920
4 bedrooms
$1,774
$34.12
$70,960
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 Piqua
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Piqua is in ZIP code 45356.
For 2 bedrooms it is $1,160: $88 less than the fair market rent for Miami County ($1,248).
Fair market rent by ZIP code and size in Piqua, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
45356
$840
$940
$1,160
$1,510
$1,650
ZIP code2 bd3 bd
45356 $1,160$1,510
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Piqua 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 Miami 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 Piqua or Miami County. The ones below are statewide in Ohio: they work in Piqua 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 Piqua or Miami 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 Piqua and all of Miami 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 Piqua?
The typical home value in Piqua is $138,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Miami County it is $229,100.
How much does it cost to rent in Piqua?
Typical rent in Piqua is $922 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Miami County is $1,248.
What is the FHA loan limit in Piqua?
Piqua uses the FHA limit for all of Miami 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 Piqua?
The typical homeowner in Piqua pays $1,442 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in Miami County, the rate is 0.98%.
Where can I find free help to buy or rent in Piqua?
We found no HUD-approved counseling agencies with an office in Miami County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
