In Springboro, a typical home is worth $357,800 and typical rent is $1,203 a month. Compared with all of Warren County, typical rent is 12% lower, typical household income is 9% higher, and the share of households that own their home is 10 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $348,413 to $429,973.
Typical rent
$1,880a month
Typical rent from Zillow, March 2026 to September 2026: from $1,827 to $1,880.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Springboro is in Warren 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 Warren County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in West Carrollton, the typical home value is $156,900: 56% less than in Springboro ($357,800).
2
Nearby, in Carlisle, the typical rent is $962: 20% less than in Springboro ($1,203).
3
89% of households in Springboro own their home, against 79% in Warren County.
4
Springboro has the 28th highest typical household income of the 292 cities in Ohio with more than 5,000 people ($119,659).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Springboro
What homes there are in Springboro, 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
Springboro
Warren County
Ohio
United States
Kind of home: Springboro and its comparisons
Measure
Springboro
Warren County
Ohio
United States
Detached house
86%
77%
69%
61%
Attached house
5%
7%
5%
6%
Building of 2 to 4
5%
5%
8%
8%
Apartments (5 or more)
Unreliable estimate
11%
15%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Springboro, 9 in 10 homes are single-family detached houses; in Warren County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Springboro
Warren County
Ohio
United States
Year built: Springboro and its comparisons
Measure
Springboro
Warren County
Ohio
United States
Before 1960
4%
14%
38%
26%
1960–1979
21%
18%
26%
24%
1980–1999
36%
29%
20%
25%
2000–2009
27%
22%
10%
14%
2010 or later
12%
17%
7%
11%
The typical year built in Springboro is 1996, about the same as in Warren County (1995).
There is more room for a big family here: 87% of homes have 3 bedrooms or more, against 74% in Warren County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K8%
$200K–$300K27%
$300K–$500K47%
$500K–$750K15%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Springboro and its comparisons
Measure
Springboro
Under $100K
Unreliable estimate
$100K–$200K
8%
$200K–$300K
27%
$300K–$500K
47%
$500K–$750K
15%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49925%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Springboro and its comparisons
Measure
Springboro
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
25%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,976 a month
Warren County: $1,974 a month
Without a mortgage
$836 a month
Warren County: $756 a month
Owners with a mortgage
68%
Warren County: 69%
Owning costs about the same in Springboro as in Warren County: with a mortgage, $1,976 a month; without one, $836.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Springboro+57%
Warren County+57%
Ohio+47%
United States+53%
Typical rent
SpringboroNo clear change
Warren County+28%
Ohio+28%
United States+33%
Typical household income
SpringboroNo clear change
Warren County+26%
Ohio+26%
United States+29%
Change since 2015–2019: Springboro and its comparisons
Measure
Springboro
Warren County
Ohio
United States
Typical home value
+57%
+57%
+47%
+53%
Typical rent
No clear change
+28%
+28%
+33%
Typical household income
No clear change
+26%
+26%
+29%
From 2015–2019 to 2020–2024, home values in Springboro rose at about the same pace as in Warren County: 57% against 57%.
Rent in Springboro moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Springboro and its comparisons
Measure
Springboro
Warren County
Ohio
United States
Rental vacancy
Unreliable estimate
5.4%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.3%
1.5%
3.4%
People per household
2.83
2.66
2.37
2.53
Drive alone
75%
74%
75%
69%
Carpool
5%
6%
8%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
19%
19%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.83 on average, against 2.66 in Warren County.
The car rules in Springboro: 75% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Springboro?
A typical home is tight for the typical income
We start with a typical home in Springboro, worth $357,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Springboro, which is $119,659 a year. For that payment to be 28% of income, a household would need to earn about $129,993 a year.
The calculator's FHA and conventional loan limits are those of all of Warren 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 Springboro. 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 $12,523 (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
$3,033
at 7.18% · 30 years
Loan amount
$351,319
Total interest
$505,466
Paid off in
November 2056
Includes $6,042 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,792 a month
Tight
$2,792 to $3,590 a month
Your payment · 30%
Hard
more than $3,590 a month
Compared with the typical household income in Springboro ($119,659 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,380
Property tax
$346
Home insurance
$149
FHA mortgage insurance (MIP)
$158
You need at least $12,523 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 $3,033; principal and interest $2,380.
The city and its county
Springboro and Warren County
Springboro is in Warren 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).
Springboro
Map of Warren County, Ohio, with Springboro marked. Around it, the neighboring counties.
Springboro
Warren County
Other cities with a page
Springboro's own numbers
Typical home value
$357,800
Typical monthly rent
$1,203
Typical yearly household income
$119,659
Households that own their home
89%
Effective property tax rate
1.16%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Warren County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,442
Price change over 5 years (FHFA)
+60%
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 Warren County.
A typical home in Springboro is worth $357,800: 2% above the county and 67% above Ohio. With the typical household income in Springboro ($119,659 a year), a typical home costs 3.0 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.
Springboro3.0 years
Warren3.2 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Warren County
According to FHFA’s house price index, home prices in Warren County rose 103% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Warren County.
Yearly change in FHFA’s price index in Warren County, 2016 to 2025
2016: +4.2% +4.2% 2016
2017: +4.8% +4.8% 2017
2018: +5.9% +5.9% 2018
2019: +5.5% +5.5% 2019
2020: +4.2% +4.2% 2020
2021: +11.3% +11.3% 2021
2022: +17.1% +17.1% 2022
2023: +8.5% +8.5% 2023
2024: +8.8% +8.8% 2024
2025: +4.0% +4.0% 2025
Change in FHFA’s price index in Warren County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+4.0%
+4.8%
+2.9%
5 years (2020–2025)
+60%
+53%
+47%
10 years (2015–2025)
+103%
+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
Springboro next to Warren 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
Springboro$357,800
Warren$349,400
Ohio$214,800
United States$332,700
Typical monthly rent
Springboro$1,203
Warren$1,361
Ohio$1,034
United States$1,413
Typical yearly household income
Springboro$119,659
Warren$110,132
Ohio$71,389
United States$80,734
See the full table
Springboro next to Warren County and Ohio
Measure
Springboro
Warren County
Ohio
U.S.
Typical home value
$357,800 ▲2% above the county
$349,400
$214,800
$332,700
Typical monthly rent
$1,203 ▼12% below the county
$1,361
$1,034
$1,413
Typical yearly household income
$119,659 ▲9% above the county
$110,132
$71,389
$80,734
Households that own their home
89% ▲10 points above the county
79%
67%
65%
Typical yearly property tax
$4,161
$4,199
$2,822
$3,119
Effective property tax rate
1.16% ▼0.04 points below the county
1.2%
1.31%
0.94%
Renters with high rent for their income
37% ▼5 points below the county
41%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Warren 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 Springboro
For a typical $357,800 home in Springboro, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Springboro's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,033a month
Least cash to close
Down payment
$12,523
Cash to close
$23,257
Rate
7.18%
Mortgage insurance
FHA MIP · $158
Conventional, 5% down$2,968a month
Down payment
$17,890
Cash to close
$28,624
Rate
7.18%
Mortgage insurance
PMI · $170
Conventional, 20% down, no PMI$2,434a month
Down payment
$71,560
Cash to close
$82,294
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,765a month
Down payment
$53,670
Cash to close
$64,404
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Springboro
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,033
$12,523
$351,319
7.18%
FHA MIP · $158
$23,257
580
Conventional, 5% down
$2,968
$17,890
$339,910
7.18%
PMI · $170
$28,624
620*
Conventional, 20% down, no PMI
$2,434
$71,560
$286,240
7.18%
None
$82,294
620*
ITIN, 15% down (example)
$2,765
$53,670
$304,130
8.18%
None
$64,404
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 Springboro is $1,203 a month: 12% below the county. In Springboro, 37% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Warren County, by unit size. To pay the 2-bedroom one ($1,442 a month) without spending more than 30% of your income, you would need to earn $27.73 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 Warren County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,052
$20.23
$42,080
1 bedroom
$1,128
$21.69
$45,120
2 bedrooms
$1,442
$27.73
$57,680
3 bedrooms
$1,897
$36.48
$75,880
4 bedrooms
$2,141
$41.17
$85,640
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 Springboro
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Springboro is in ZIP code 45066.
For 2 bedrooms it is $2,000: $558 more than the fair market rent for Warren County ($1,442).
Fair market rent by ZIP code and size in Springboro, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
45066
$1,460
$1,570
$2,000
$2,630
$2,960
ZIP code2 bd3 bd
45066 $2,000$2,630
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Springboro 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 Warren 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 Springboro or Warren County. The ones below are statewide in Ohio: they work in Springboro 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 Springboro or Warren 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 Springboro and all of Warren 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 Springboro?
The typical home value in Springboro is $357,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Warren County it is $349,400.
How much does it cost to rent in Springboro?
Typical rent in Springboro is $1,203 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Warren County is $1,442.
What is the FHA loan limit in Springboro?
Springboro uses the FHA limit for all of Warren 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 Springboro?
The typical homeowner in Springboro pays $4,161 a year, according to the U.S. Census Bureau. That is 1.16% of the home’s value; in Warren County, the rate is 1.2%.
Where can I find free help to buy or rent in Springboro?
We found no HUD-approved counseling agencies with an office in Warren County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
