In Tipp City, a typical home is worth $273,500 and typical rent is $858 a month. Compared with all of Miami County, the typical home value is 19% higher and typical rent is 11% lower.
Typical home value from Zillow, September 2021 to September 2026: from $274,412 to $346,445.
Typical rent
$1,786a month
= about the same as 12 months ago
Typical rent from Zillow, June 2025 to September 2026: from $1,776 to $1,786.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Tipp City 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
Nearby, in New Carlisle, the typical home value is $131,800: 52% less than in Tipp City ($273,500).
2
The typical home in Tipp City is worth $273,500,19% more than in Miami County as a whole ($229,100).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Tipp City
What homes there are in Tipp City, 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
Tipp City
Miami County
Ohio
United States
Kind of home: Tipp City and its comparisons
Measure
Tipp City
Miami County
Ohio
United States
Detached house
73%
79%
69%
61%
Attached house
6%
4%
5%
6%
Building of 2 to 4
8%
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%
Detached houses are the majority in Tipp City (73%), but less so than in Miami County (79%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Tipp City
Miami County
Ohio
United States
Year built: Tipp City and its comparisons
Measure
Tipp City
Miami County
Ohio
United States
Before 1960
23%
36%
38%
26%
1960–1979
27%
28%
26%
24%
1980–1999
32%
18%
20%
25%
2000–2009
9%
9%
10%
14%
2010 or later
10%
9%
7%
11%
Here half of the homes date from 1981 or later; in Miami County, from 1971 or later.
Much as in Miami County, 68% of homes in Tipp City have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K28%
$200K–$300K23%
$300K–$500K34%
$500K–$750K10%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Tipp City and its comparisons
Measure
Tipp City
Under $100K
Unreliable estimate
$100K–$200K
28%
$200K–$300K
23%
$300K–$500K
34%
$500K–$750K
10%
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99963%
$1,000–$1,49922%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Tipp City and its comparisons
Measure
Tipp City
Under $500
Unreliable estimate
$500–$999
63%
$1,000–$1,499
22%
$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
$1,719 a month
Miami County: $1,453 a month
Without a mortgage
$626 a month
Miami County: $549 a month
Owners with a mortgage
60%
Miami County: 63%
In Tipp City, 60% of owners have a mortgage, and their typical cost is $1,719 a month, against $1,453 in Miami County. Without one it drops to $626.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Tipp City+61%
Miami County+51%
Ohio+47%
United States+53%
Typical rent
Tipp City+10%
Miami County+26%
Ohio+28%
United States+33%
Typical household income
Tipp CityNo clear change
Miami County+26%
Ohio+26%
United States+29%
Change since 2015–2019: Tipp City and its comparisons
Measure
Tipp City
Miami County
Ohio
United States
Typical home value
+61%
+51%
+47%
+53%
Typical rent
+10%
+26%
+28%
+33%
Typical household income
No clear change
+26%
+26%
+29%
The typical home value in Tipp City rose 61% since 2015–2019, more than in Miami County (51%).
Since 2015–2019, the typical rent in Tipp City rose 10%, less than in Miami County (26%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Tipp City and its comparisons
Measure
Tipp City
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
2.36
2.44
2.37
2.53
Drive alone
81%
80%
75%
69%
Carpool
Unreliable estimate
6%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
11%
10%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Much as in Miami County, a household in Tipp City has 2.36 people on average.
To get to work, 81% of workers in Tipp City drive alone; in Miami County, 80%.
Do the math
What would you pay each month for a home in Tipp City?
A typical home is tight for the typical income
We start with a typical home in Tipp City, worth $273,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Tipp City, which is $78,098 a year. For that payment to be 28% of income, a household would need to earn about $99,073 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 Tipp City. 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 $9,573 (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
$2,312
at 7.18% · 30 years
Loan amount
$268,546
Total interest
$386,374
Paid off in
November 2056
Includes $4,619 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,822 a month
Tight
$1,822 to $2,343 a month
Your payment · 36%
Hard
more than $2,343 a month
Compared with the typical household income in Tipp City ($78,098 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,819
Property tax
$258
Home insurance
$114
FHA mortgage insurance (MIP)
$121
You need at least $9,573 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 $2,312; principal and interest $1,819.
The city and its county
Tipp City and Miami County
Tipp City 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).
Tipp City
Map of Miami County, Ohio, with Tipp City marked. Around it, the neighboring counties.
Tipp City
Miami County
Other cities with a page
Tipp City's own numbers
Typical home value
$273,500
Typical monthly rent
$858
Typical yearly household income
$78,098
Households that own their home
70%
Effective property tax rate
1.13%
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 Tipp City is worth $273,500: 19% above the county and 27% above Ohio. With the typical household income in Tipp City ($78,098 a year), a typical home costs 3.5 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.
Tipp City3.5 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
Tipp City 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
Tipp City$273,500
Miami$229,100
Ohio$214,800
United States$332,700
Typical monthly rent
Tipp City$858
Miami$966
Ohio$1,034
United States$1,413
Typical yearly household income
Tipp City$78,098
Miami$76,817
Ohio$71,389
United States$80,734
See the full table
Tipp City next to Miami County and Ohio
Measure
Tipp City
Miami County
Ohio
U.S.
Typical home value
$273,500 ▲19% above the county
$229,100
$214,800
$332,700
Typical monthly rent
$858 ▼11% below the county
$966
$1,034
$1,413
Typical yearly household income
$78,098
$76,817
$71,389
$80,734
Households that own their home
70% ▼3 points below the county
73%
67%
65%
Typical yearly property tax
$3,103 ▲38% above the county
$2,254
$2,822
$3,119
Effective property tax rate
1.13% ▲0.15 points above the county
0.98%
1.31%
0.94%
Renters with high rent for their income
43%
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 Tipp City
For a typical $273,500 home in Tipp City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Tipp City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,312a month
Least cash to close
Down payment
$9,573
Cash to close
$17,778
Rate
7.18%
Mortgage insurance
FHA MIP · $121
Conventional, 5% down$2,262a month
Down payment
$13,675
Cash to close
$21,880
Rate
7.18%
Mortgage insurance
PMI · $130
Conventional, 20% down, no PMI$1,854a month
Down payment
$54,700
Cash to close
$62,905
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,107a month
Down payment
$41,025
Cash to close
$49,230
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Tipp City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,312
$9,573
$268,546
7.18%
FHA MIP · $121
$17,778
580
Conventional, 5% down
$2,262
$13,675
$259,825
7.18%
PMI · $130
$21,880
620*
Conventional, 20% down, no PMI
$1,854
$54,700
$218,800
7.18%
None
$62,905
620*
ITIN, 15% down (example)
$2,107
$41,025
$232,475
8.18%
None
$49,230
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 Tipp City is $858 a month: 11% below the county. In Tipp City, 43% 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 Tipp City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Tipp City is in ZIP code 45371.
For 2 bedrooms it is $1,360: $112 more than the fair market rent for Miami County ($1,248).
Fair market rent by ZIP code and size in Tipp City, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
45371
$990
$1,100
$1,360
$1,770
$1,930
ZIP code2 bd3 bd
45371 $1,360$1,770
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Tipp City 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 Tipp City or Miami County. The ones below are statewide in Ohio: they work in Tipp City 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 Tipp City 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 Tipp City 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 Tipp City?
The typical home value in Tipp City is $273,500, 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 Tipp City?
Typical rent in Tipp City is $858 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 Tipp City?
Tipp City 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 Tipp City?
The typical homeowner in Tipp City pays $3,103 a year, according to the U.S. Census Bureau. That is 1.13% of the home’s value; in Miami County, the rate is 0.98%.
Where can I find free help to buy or rent in Tipp City?
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.
