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City · 5,003 residents · Belmont County, Ohio

St. Clairsville , Ohio

In St. Clairsville, a typical home is worth $199,000 and typical rent is $927 a month. Compared with all of Belmont County, typical household income is 34% higher, the typical home value is 28% higher, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $199,000

    28% above the county

    7% below Ohio

    • St. Clairsville
    • Belmont
    • Ohio

  • Typical rent

    $927a month

    17% above the county

    10% below Ohio

    • St. Clairsville
    • Belmont
    • Ohio

  • Typical household income

    $76,480a year

    34% above the county

    7% above Ohio

    • St. Clairsville
    • Belmont
    • Ohio

  • Households that own their home

    68%

    6 points below the county

    1 points above Ohio

    • St. Clairsville
    • Belmont
    • Ohio

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$206,868
2.5% more than 12 months ago

From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).

St. Clairsville is in Belmont 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 Belmont County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets St. Clairsville apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Martins Ferry, the typical home value is $96,200: 52% less than in St. Clairsville ($199,000).

  2. The typical household income in St. Clairsville is $76,480, 34% more than in Belmont County as a whole ($57,017).

  3. The typical home in St. Clairsville is worth $199,000, 28% more than in Belmont County as a whole ($154,900).

  4. Nearby, in Toronto, the typical rent is $748: 19% less than in St. Clairsville ($927).

  5. The typical rent in St. Clairsville is $927 a month, 17% more than in Belmont County as a whole ($793).

  6. 68% of households in St. Clairsville own their home, against 74% in Belmont County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in St. Clairsville

What homes there are in St. Clairsville, 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

The detached house is still the most common home in St. Clairsville, but it weighs less than in Belmont County: 66% against 77%.

Year built

The typical home in St. Clairsville was built in 1970, 5 years after the typical one in Belmont County.

In St. Clairsville, 62% of homes have 3 bedrooms or more, about the same as in Belmont County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,430 a month

Belmont County: $1,215 a month

Without a mortgage

$505 a month

Belmont County: $489 a month

Owners with a mortgage

61%

Belmont County: 48%

The typical cost for an owner with a mortgage in St. Clairsville is $1,430 a month, more than in Belmont County ($1,215); without one, $505.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in St. Clairsville stayed about the same since 2015–2019: the Census sees no clear change.

Much as in Belmont County, the typical rent in St. Clairsville rose 24% since 2015–2019.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureSt. ClairsvilleBelmont CountyOhioUnited States
Rental vacancy 26.2%11.1%4.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimateUnreliable estimate1.5%3.4%
People per household 2.272.272.372.53
Drive alone 82%84%75%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 7%7%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

In St. Clairsville, the rental vacancy rate is 26.2%; in Belmont County, 11.1%.

A household in St. Clairsville has 2.27 people on average, about the same as in Belmont County (2.27).

To get to work, 82% of workers in St. Clairsville drive alone; in Belmont County, 84%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in St. Clairsville?

A typical home is within reach of the typical income

We start with a typical home in St. Clairsville, worth $199,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in St. Clairsville, which is $76,480 a year.

The calculator's FHA and conventional loan limits are those of all of Belmont County.

Your numbers

Local data
$

Starts at the typical home value in St. Clairsville. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $6,965 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,662

at 7.18% · 30 years

Loan amount
$195,396
Total interest
$281,128
Paid off in
November 2056

Includes $3,361 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,785 a month

    Your payment · 26%

  • Tight

    $1,785 to $2,294 a month

  • Hard

    more than $2,294 a month

Compared with the typical household income in St. Clairsville ($76,480 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,662
Principal & interest$1,324
Property tax$168
Home insurance$83
FHA mortgage insurance (MIP)$88

You need at least $6,965 for the down payment, plus closing costs.

Next step

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.

The city and its county

St. Clairsville and Belmont County

St. Clairsville is in Belmont 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).

St. Clairsville's own numbers

Typical home value
$199,000
Typical monthly rent
$927
Typical yearly household income
$76,480
Households that own their home
68%
Effective property tax rate
1.01%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Belmont County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,009
Price change over 5 years (FHFA)
+36%
Homes in a high flood-risk zone
4.8%

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 Belmont County.

Everything about Belmont County

Buying

Buying a home in St. Clairsville

A typical home in St. Clairsville is worth $199,000: 28% above the county and 7% below Ohio. With the typical household income in St. Clairsville ($76,480 a year), a typical home costs 2.6 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.

  • St. Clairsville 2.6 years
  • Belmont 2.7 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Belmont County

According to FHFA’s house price index, home prices in Belmont County rose 53% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Belmont County.

Period County Ohio U.S.
Last year (2025) +2.6% +4.8% +2.9%
5 years (2020–2025) +36% +53% +47%
10 years (2015–2025) +53% +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

St. Clairsville next to Belmont 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
  • St. Clairsville $199,000
  • Belmont $154,900
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • St. Clairsville $927
  • Belmont $793
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • St. Clairsville $76,480
  • Belmont $57,017
  • Ohio $71,389
  • United States $80,734
See the full table
St. Clairsville next to Belmont County and Ohio
Measure St. Clairsville Belmont County Ohio U.S.
Typical home value $199,000 $154,900 $214,800 $332,700
Typical monthly rent $927 $793 $1,034 $1,413
Typical yearly household income $76,480 $57,017 $71,389 $80,734
Households that own their home 68% 74% 67% 65%
Typical yearly property tax $2,005 $1,469 $2,822 $3,119
Effective property tax rate 1.01% 0.95% 1.31% 0.94%
Renters with high rent for their income 49% 47% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Belmont 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 St. Clairsville

For a typical $199,000 home in St. Clairsville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, St. Clairsville's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,662a month

    Least cash to close
    Down payment
    $6,965
    Cash to close
    $12,935
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $88

  • Conventional, 5% down $1,626a month

    Down payment
    $9,950
    Cash to close
    $15,920
    Rate
    7.18%
    Mortgage insurance
    PMI · $95

  • Conventional, 20% down, no PMI $1,329a month

    Down payment
    $39,800
    Cash to close
    $45,770
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,513a month

    Down payment
    $29,850
    Cash to close
    $35,820
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for St. Clairsville and for Belmont County.

Property tax

Effective rate in St. Clairsville

1.01%of the home’s value each year

$2,005 a year for the typical owner in St. Clairsville.

  • St. Clairsville 1.01%
  • Belmont 0.95%
  • Ohio 1.31%

What Ohio publishes Homestead exemption for seniors and people with disabilities (Ohio Department of Taxation)

Exemptions and deadlines in Ohio

Flood risk in Belmont County

FEMA does not publish these numbers by city: they are for all of Belmont County.

Homes in the high-risk zone
4.8%
1,557
Of those, with NFIP insurance
7.8%
County Ohio U.S.
Homes in the high-risk zone 4.8% 1.7% 3.5%
Of those, with NFIP insurance 7.8% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in St. Clairsville

Typical rent in St. Clairsville is $927 a month: 17% above the county. In St. Clairsville, 49% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Belmont County, by unit size. To pay the 2-bedroom one ($1,009 a month) without spending more than 30% of your income, you would need to earn $19.40 an hour working full time.

HUD fair market rent for all of Belmont County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $703 $13.52 $28,120
1 bedroom $822 $15.81 $32,880
2 bedrooms $1,009 $19.40 $40,360
3 bedrooms $1,300 $25.00 $52,000
4 bedrooms $1,436 $27.62 $57,440

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 St. Clairsville

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). St. Clairsville is in ZIP code 43950.

For 2 bedrooms it is $1,110: $101 more than the fair market rent for Belmont County ($1,009).

  • 43950 $1,110$1,430

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for St. Clairsville 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in St. Clairsville

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 Belmont County. The nearest ones are below; many serve by phone or online.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in St. Clairsville

No down payment, repair or rent-help program on our list is for St. Clairsville or Belmont County. The ones below are statewide in Ohio: they work in St. Clairsville the same as in the rest of the state.

Which programs do I qualify for? All programs in Ohio

  • Your Choice! Down Payment Assistance

    Statewide in Ohio

    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).

    Forgivable

    See the program Official page

  • Mortgage Tax Credit

    Statewide in Ohio

    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).

    Tax credit

    See the program Official page

Housing counselors near St. Clairsville

The HUD-approved agencies closest to the center of St. Clairsville, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Building Partnership of Stark County, Inc.

    400 Market Ave N, Canton · 56 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (330) 458-0962

  • Apprisen - Canton

    2800 Market Ave N Ste 18, Canton · 57 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 355-2227

  • Youngstown Neighborhood Development Corp.

    820 Canfield Rd, Youngstown · 69 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (330) 480-0423

All counseling agencies in Ohio

Help in Spanish near St. Clairsville

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of St. Clairsville

In HUD’s record, no housing authority with an office in Belmont County is named for St. Clairsville or Belmont County.

One other authority has an office in Belmont County: see the list Source: HUD

Cities

Other cities in Belmont County

These cities are also in Belmont County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Belmont County Housing in Ohio

Nearby cities

The cities closest to St. Clairsville, with the typical home value.

Neighboring counties

If Belmont County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in St. Clairsville.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about St. Clairsville

Short answers with the numbers for St. Clairsville and all of Belmont 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 St. Clairsville?

The typical home value in St. Clairsville is $199,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Belmont County it is $154,900.

How much does it cost to rent in St. Clairsville?

Typical rent in St. Clairsville is $927 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Belmont County is $1,009.

What is the FHA loan limit in St. Clairsville?

St. Clairsville uses the FHA limit for all of Belmont 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 St. Clairsville?

The typical homeowner in St. Clairsville pays $2,005 a year, according to the U.S. Census Bureau. That is 1.01% of the home’s value; in Belmont County, the rate is 0.95%.

Where can I find free help to buy or rent in St. Clairsville?

We found no HUD-approved counseling agencies with an office in Belmont County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).