In Port Clinton, a typical home is worth $152,300 and typical rent is $934 a month. Compared with all of Ottawa County, the typical home value is 31% lower, typical household income is 20% lower, and the share of households that own their home is 16 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $225,720 to $279,662.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Port Clinton is in Ottawa 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 Ottawa County. See the county
What this place has that others do not, from public data, most unusual first.
1
68% of households in Port Clinton own their home, against 84% in Ottawa County.
2
The typical home in Port Clinton is worth $152,300,31% less than in Ottawa County as a whole ($219,900).
3
Nearby, in Sandusky, the typical home value is $113,100: 26% less than in Port Clinton ($152,300).
4
Nearby, in Clyde, the typical rent is $739: 21% less than in Port Clinton ($934).
5
The typical household income in Port Clinton is $60,909,20% less than in Ottawa County as a whole ($76,101).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Port Clinton
What homes there are in Port Clinton, 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
Port Clinton
Ottawa County
Ohio
United States
Kind of home: Port Clinton and its comparisons
Measure
Port Clinton
Ottawa County
Ohio
United States
Detached house
56%
73%
69%
61%
Attached house
Unreliable estimate
4%
5%
6%
Building of 2 to 4
11%
5%
8%
8%
Apartments (5 or more)
21%
7%
15%
19%
Mobile home
5%
11%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Port Clinton, 6 in 10 homes are single-family detached houses; in Ottawa County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Port Clinton
Ottawa County
Ohio
United States
Year built: Port Clinton and its comparisons
Measure
Port Clinton
Ottawa County
Ohio
United States
Before 1960
50%
34%
38%
26%
1960–1979
15%
21%
26%
24%
1980–1999
28%
26%
20%
25%
2000–2009
6%
13%
10%
14%
2010 or later
Unreliable estimate
6%
7%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K21%
$100K–$200K50%
$200K–$300K20%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Port Clinton and its comparisons
Measure
Port Clinton
Under $100K
21%
$100K–$200K
50%
$200K–$300K
20%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99954%
$1,000–$1,49931%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Port Clinton and its comparisons
Measure
Port Clinton
Under $500
Unreliable estimate
$500–$999
54%
$1,000–$1,499
31%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,142 a month
Ottawa County: $1,459 a month
Without a mortgage
$438 a month
Ottawa County: $570 a month
Owners with a mortgage
59%
Ottawa County: 53%
In Port Clinton, 59% of owners have a mortgage, and their typical cost is $1,142 a month, against $1,459 in Ottawa County. Without one it drops to $438.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Port Clinton+38%
Ottawa County+45%
Ohio+47%
United States+53%
Typical rent
Port Clinton+50%
Ottawa County+29%
Ohio+28%
United States+33%
Typical household income
Port Clinton+45%
Ottawa County+29%
Ohio+26%
United States+29%
Change since 2015–2019: Port Clinton and its comparisons
Measure
Port Clinton
Ottawa County
Ohio
United States
Typical home value
+38%
+45%
+47%
+53%
Typical rent
+50%
+29%
+28%
+33%
Typical household income
+45%
+29%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Port Clinton rose 38%; in Ottawa County, it rose 45%.
Since 2015–2019, the typical rent in Port Clinton rose 50%, more than in Ottawa County (29%).
The typical household income in Port Clinton rose 45% over that time; home values changed +38% and rent +50%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Port Clinton and its comparisons
Measure
Port Clinton
Ottawa 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
Unreliable estimate
1.5%
3.4%
People per household
2.14
2.13
2.37
2.53
Drive alone
75%
81%
75%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
8%
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
A household in Port Clinton has 2.14 people on average, about the same as in Ottawa County (2.13).
To get to work, 75% of workers in Port Clinton drive alone; in Ottawa County, 81%.
Do the math
What would you pay each month for a home in Port Clinton?
A typical home is within reach of the typical income
We start with a typical home in Port Clinton, worth $152,300, 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 Port Clinton, which is $60,909 a year.
The calculator's FHA and conventional loan limits are those of all of Ottawa 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 Port Clinton. 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 $5,331 (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
$1,259
at 7.18% · 30 years
Loan amount
$149,541
Total interest
$215,154
Paid off in
November 2056
Includes $2,572 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,421 a month
Your payment · 25%
Tight
$1,421 to $1,827 a month
Hard
more than $1,827 a month
Compared with the typical household income in Port Clinton ($60,909 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,013
Property tax
$116
Home insurance
$64
FHA mortgage insurance (MIP)
$67
You need at least $5,331 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 $1,259; principal and interest $1,013.
The city and its county
Port Clinton and Ottawa County
Port Clinton is in Ottawa 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).
Map of Ottawa County, Ohio, with Port Clinton marked. Around it, the neighboring counties.
Ottawa County
Port Clinton's own numbers
Typical home value
$152,300
Typical monthly rent
$934
Typical yearly household income
$60,909
Households that own their home
68%
Effective property tax rate
0.91%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Ottawa County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,209
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
22%
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 Ottawa County.
A typical home in Port Clinton is worth $152,300: 31% below the county and 29% below Ohio. With the typical household income in Port Clinton ($60,909 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.
Port Clinton2.5 years
Ottawa2.9 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Ottawa County
According to FHFA’s house price index, home prices in Ottawa County rose 90% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Ottawa County.
Yearly change in FHFA’s price index in Ottawa County, 2016 to 2025
2016: +3.9% +3.9% 2016
2017: +1.1% +1.1% 2017
2018: +9.3% +9.3% 2018
2019: +3.2% +3.2% 2019
2020: +3.2% +3.2% 2020
2021: +8.0% +8.0% 2021
2022: +11.4% +11.4% 2022
2023: +11.9% +11.9% 2023
2024: +6.5% +6.5% 2024
2025: +8.3% +8.3% 2025
Change in FHFA’s price index in Ottawa County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+8.3%
+4.8%
+2.9%
5 years (2020–2025)
+55%
+53%
+47%
10 years (2015–2025)
+90%
+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
Port Clinton next to Ottawa 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
Port Clinton$152,300
Ottawa$219,900
Ohio$214,800
United States$332,700
Typical monthly rent
Port Clinton$934
Ottawa$930
Ohio$1,034
United States$1,413
Typical yearly household income
Port Clinton$60,909
Ottawa$76,101
Ohio$71,389
United States$80,734
See the full table
Port Clinton next to Ottawa County and Ohio
Measure
Port Clinton
Ottawa County
Ohio
U.S.
Typical home value
$152,300 ▼31% below the county
$219,900
$214,800
$332,700
Typical monthly rent
$934
$930
$1,034
$1,413
Typical yearly household income
$60,909 ▼20% below the county
$76,101
$71,389
$80,734
Households that own their home
68% ▼16 points below the county
84%
67%
65%
Typical yearly property tax
$1,389 ▼42% below the county
$2,378
$2,822
$3,119
Effective property tax rate
0.91% ▼0.17 points below the county
1.08%
1.31%
0.94%
Renters with high rent for their income
57% ▲13 points above the county
44%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ottawa 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 Port Clinton
For a typical $152,300 home in Port Clinton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Port Clinton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,259a month
Least cash to close
Down payment
$5,331
Cash to close
$9,900
Rate
7.18%
Mortgage insurance
FHA MIP · $67
Conventional, 5% down$1,231a month
Down payment
$7,615
Cash to close
$12,184
Rate
7.18%
Mortgage insurance
PMI · $72
Conventional, 20% down, no PMI$1,004a month
Down payment
$30,460
Cash to close
$35,029
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,145a month
Down payment
$22,845
Cash to close
$27,414
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Port Clinton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,259
$5,331
$149,541
7.18%
FHA MIP · $67
$9,900
580
Conventional, 5% down
$1,231
$7,615
$144,685
7.18%
PMI · $72
$12,184
620*
Conventional, 20% down, no PMI
$1,004
$30,460
$121,840
7.18%
None
$35,029
620*
ITIN, 15% down (example)
$1,145
$22,845
$129,455
8.18%
None
$27,414
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 Port Clinton is $934 a month: about the same as the county. In Port Clinton, 57% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Ottawa County, by unit size. To pay the 2-bedroom one ($1,209 a month) without spending more than 30% of your income, you would need to earn $23.25 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 Ottawa County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$869
$16.71
$34,760
1 bedroom
$924
$17.77
$36,960
2 bedrooms
$1,209
$23.25
$48,360
3 bedrooms
$1,441
$27.71
$57,640
4 bedrooms
$1,923
$36.98
$76,920
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 Port Clinton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Port Clinton is in ZIP code 43452.
For 2 bedrooms it is $1,230: $21 more than the fair market rent for Ottawa County ($1,209).
Fair market rent by ZIP code and size in Port Clinton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
43452
$880
$940
$1,230
$1,470
$1,960
ZIP code2 bd3 bd
43452 $1,230$1,470
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Port Clinton 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 Ottawa 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 Port Clinton or Ottawa County. The ones below are statewide in Ohio: they work in Port Clinton 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).
The HUD-approved agencies closest to the center of Port Clinton, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
GL
Great Lakes Community Action Partnership (formerly WSOS Community Action Commision, Inc.)
No legal help resource on our list is for Port Clinton or Ottawa 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 Port Clinton and all of Ottawa 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 Port Clinton?
The typical home value in Port Clinton is $152,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ottawa County it is $219,900.
How much does it cost to rent in Port Clinton?
Typical rent in Port Clinton is $934 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ottawa County is $1,209.
What is the FHA loan limit in Port Clinton?
Port Clinton uses the FHA limit for all of Ottawa 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 Port Clinton?
The typical homeowner in Port Clinton pays $1,389 a year, according to the U.S. Census Bureau. That is 0.91% of the home’s value; in Ottawa County, the rate is 1.08%.
Where can I find free help to buy or rent in Port Clinton?
We found no HUD-approved counseling agencies with an office in Ottawa County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
