In Sunbury, a typical home is worth $374,600 and typical rent is $1,649 a month. Compared with all of Delaware County, typical household income is 19% lower, the typical home value is 16% lower, and the share of households that own their home is 6 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $389,226 to $491,036.
Typical rent
$1,738a month
▲ 1.8% more than 12 months ago
Typical rent from Zillow, December 2024 to September 2026: from $1,717 to $1,738.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sunbury is in Delaware County. The FHA loan limit ($591,100 for a one-unit home), the fair market rents and the help on this page are those of all of Delaware County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Johnstown, the typical rent is $886: 46% less than in Sunbury ($1,649).
2
Nearby, in Delaware, the typical home value is $318,400: 15% less than in Sunbury ($374,600).
3
The typical household income in Sunbury is $108,787,19% less than in Delaware County as a whole ($133,540).
4
The typical home in Sunbury is worth $374,600,16% less than in Delaware County as a whole ($445,500).
5
Sunbury has the 22nd highest typical rent of the 285 cities in Ohio with more than 5,000 people ($1,649).
6
73% of households in Sunbury own their home, against 79% in Delaware County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sunbury
What homes there are in Sunbury, 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
Sunbury
Delaware County
Ohio
United States
Kind of home: Sunbury and its comparisons
Measure
Sunbury
Delaware County
Ohio
United States
Detached house
68%
74%
69%
61%
Attached house
Unreliable estimate
7%
5%
6%
Building of 2 to 4
Unreliable estimate
5%
8%
8%
Apartments (5 or more)
Unreliable estimate
12%
15%
19%
Mobile home
Unreliable estimate
2%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Sunbury (68%), but less so than in Delaware County (74%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Sunbury
Delaware County
Ohio
United States
Year built: Sunbury and its comparisons
Measure
Sunbury
Delaware County
Ohio
United States
Before 1960
10%
10%
38%
26%
1960–1979
16%
9%
26%
24%
1980–1999
14%
30%
20%
25%
2000–2009
19%
27%
10%
14%
2010 or later
40%
24%
7%
11%
The typical home in Sunbury was built in 2005, 5 years after the typical one in Delaware County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K21%
$300K–$500K56%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Sunbury and its comparisons
Measure
Sunbury
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
21%
$300K–$500K
56%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,99956%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Sunbury and its comparisons
Measure
Sunbury
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
56%
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,169 a month
Delaware County: $2,493 a month
Without a mortgage
$660 a month
Delaware County: $986 a month
Owners with a mortgage
81%
Delaware County: 71%
The typical cost for an owner with a mortgage in Sunbury is $2,169 a month, less than in Delaware County ($2,493); without one, $660.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sunbury+64%
Delaware County+44%
Ohio+47%
United States+53%
Typical rent
Sunbury+58%
Delaware County+40%
Ohio+28%
United States+33%
Typical household income
Sunbury+46%
Delaware County+25%
Ohio+26%
United States+29%
Change since 2015–2019: Sunbury and its comparisons
Measure
Sunbury
Delaware County
Ohio
United States
Typical home value
+64%
+44%
+47%
+53%
Typical rent
+58%
+40%
+28%
+33%
Typical household income
+46%
+25%
+26%
+29%
The typical home value in Sunbury rose 64% since 2015–2019, more than in Delaware County (44%).
Since 2015–2019, the typical rent in Sunbury rose 58%, more than in Delaware County (40%).
Housing prices ran ahead of income in Sunbury: typical income rose 46%, against +64% for home values and +58% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sunbury and its comparisons
Measure
Sunbury
Delaware County
Ohio
United States
Rental vacancy
Unreliable estimate
3.0%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.1%
1.5%
3.4%
People per household
2.76
2.73
2.37
2.53
Drive alone
73%
68%
75%
69%
Carpool
Unreliable estimate
4%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
23%
26%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in Sunbury has 2.76 people on average, about the same as in Delaware County (2.73).
To get to work, 73% of workers in Sunbury drive alone; in Delaware County, 68%.
Do the math
What would you pay each month for a home in Sunbury?
A typical home is tight for the typical income
We start with a typical home in Sunbury, worth $374,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Sunbury, which is $108,787 a year. For that payment to be 28% of income, a household would need to earn about $135,829 a year.
The calculator's FHA and conventional loan limits are those of all of Delaware 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 Sunbury. 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 $13,111 (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
$3,169
at 7.18% · 30 years
Loan amount
$367,815
Total interest
$529,200
Paid off in
November 2056
Includes $6,326 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,538 a month
Tight
$2,538 to $3,264 a month
Your payment · 35%
Hard
more than $3,264 a month
Compared with the typical household income in Sunbury ($108,787 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,492
Property tax
$356
Home insurance
$156
FHA mortgage insurance (MIP)
$166
You need at least $13,111 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 $3,169; principal and interest $2,492.
The city and its county
Sunbury and Delaware County
Sunbury is in Delaware 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).
Sunbury
Map of Delaware County, Ohio, with Sunbury marked. Around it, the neighboring counties.
Sunbury
Delaware County
Other cities with a page
Sunbury's own numbers
Typical home value
$374,600
Typical monthly rent
$1,649
Typical yearly household income
$108,787
Households that own their home
73%
Effective property tax rate
1.14%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Delaware County
FHA limit, one-unit home
$591,100
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,602
Price change over 5 years (FHFA)
+58%
Homes in a high flood-risk zone
0.4%
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 Delaware County.
A typical home in Sunbury is worth $374,600: 16% below the county and 74% above Ohio. With the typical household income in Sunbury ($108,787 a year), a typical home costs 3.4 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.
Sunbury3.4 years
Delaware3.3 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Delaware County
According to FHFA’s house price index, home prices in Delaware County rose 100% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Delaware County.
Yearly change in FHFA’s price index in Delaware County, 2016 to 2025
2016: +5.6% +5.6% 2016
2017: +6.7% +6.7% 2017
2018: +4.1% +4.1% 2018
2019: +4.7% +4.7% 2019
2020: +2.7% +2.7% 2020
2021: +11.0% +11.0% 2021
2022: +17.5% +17.5% 2022
2023: +9.1% +9.1% 2023
2024: +4.7% +4.7% 2024
2025: +6.3% +6.3% 2025
Change in FHFA’s price index in Delaware County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+6.3%
+4.8%
+2.9%
5 years (2020–2025)
+58%
+53%
+47%
10 years (2015–2025)
+100%
+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
Sunbury next to Delaware 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
Sunbury$374,600
Delaware$445,500
Ohio$214,800
United States$332,700
Typical monthly rent
Sunbury$1,649
Delaware$1,492
Ohio$1,034
United States$1,413
Typical yearly household income
Sunbury$108,787
Delaware$133,540
Ohio$71,389
United States$80,734
See the full table
Sunbury next to Delaware County and Ohio
Measure
Sunbury
Delaware County
Ohio
U.S.
Typical home value
$374,600 ▼16% below the county
$445,500
$214,800
$332,700
Typical monthly rent
$1,649 ▲11% above the county
$1,492
$1,034
$1,413
Typical yearly household income
$108,787 ▼19% below the county
$133,540
$71,389
$80,734
Households that own their home
73% ▼6 points below the county
79%
67%
65%
Typical yearly property tax
$4,289 ▼40% below the county
$7,132
$2,822
$3,119
Effective property tax rate
1.14% ▼0.46 points below the county
1.6%
1.31%
0.94%
Renters with high rent for their income
53% ▲11 points above 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 Delaware 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 Sunbury
For a typical $374,600 home in Sunbury, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sunbury's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,169a month
Least cash to close
Down payment
$13,111
Cash to close
$24,349
Rate
7.18%
Mortgage insurance
FHA MIP · $166
Conventional, 5% down$3,101a month
Down payment
$18,730
Cash to close
$29,968
Rate
7.18%
Mortgage insurance
PMI · $178
Conventional, 20% down, no PMI$2,542a month
Down payment
$74,920
Cash to close
$86,158
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,888a month
Down payment
$56,190
Cash to close
$67,428
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sunbury
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,169
$13,111
$367,815
7.18%
FHA MIP · $166
$24,349
580
Conventional, 5% down
$3,101
$18,730
$355,870
7.18%
PMI · $178
$29,968
620*
Conventional, 20% down, no PMI
$2,542
$74,920
$299,680
7.18%
None
$86,158
620*
ITIN, 15% down (example)
$2,888
$56,190
$318,410
8.18%
None
$67,428
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 Sunbury is $1,649 a month: 11% above the county. In Sunbury, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Delaware County, by unit size. To pay the 2-bedroom one ($1,602 a month) without spending more than 30% of your income, you would need to earn $30.81 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 Delaware County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,258
$24.19
$50,320
1 bedroom
$1,346
$25.88
$53,840
2 bedrooms
$1,602
$30.81
$64,080
3 bedrooms
$1,909
$36.71
$76,360
4 bedrooms
$2,172
$41.77
$86,880
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 Sunbury
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sunbury is in ZIP code 43074.
For 2 bedrooms it is $2,040: $438 more than the fair market rent for Delaware County ($1,602).
Fair market rent by ZIP code and size in Sunbury, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
43074
$1,600
$1,710
$2,040
$2,430
$2,770
ZIP code2 bd3 bd
43074 $2,040$2,430
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sunbury 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 Delaware 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 Sunbury or Delaware County. The ones below are statewide in Ohio: they work in Sunbury 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 Sunbury or Delaware 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 Sunbury and all of Delaware 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 Sunbury?
The typical home value in Sunbury is $374,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Delaware County it is $445,500.
How much does it cost to rent in Sunbury?
Typical rent in Sunbury is $1,649 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Delaware County is $1,602.
What is the FHA loan limit in Sunbury?
Sunbury uses the FHA limit for all of Delaware County (2026): $591,100 for a one-unit home and $1,136,750 for a four-unit home.
How much property tax do owners pay in Sunbury?
The typical homeowner in Sunbury pays $4,289 a year, according to the U.S. Census Bureau. That is 1.14% of the home’s value; in Delaware County, the rate is 1.6%.
Where can I find free help to buy or rent in Sunbury?
We found no HUD-approved counseling agencies with an office in Delaware County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
