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City · 10,790 residents · Van Wert County, Ohio

Van Wert , Ohio

In Van Wert, a typical home is worth $123,900 and typical rent is $765 a month. Compared with all of Van Wert County, typical household income is 19% lower, the typical home value is 18% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $123,900

    18% below the county

    42% below Ohio

    • Van Wert
    • County
    • Ohio

  • Typical rent

    $765a month

    2% below the county

    26% below Ohio

    • Van Wert
    • County
    • Ohio

  • Typical household income

    $55,113a year

    19% below the county

    23% below Ohio

    • Van Wert
    • County
    • Ohio

  • Households that own their home

    71%

    11 points below the county

    4 points above Ohio

    • Van Wert
    • County
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$184,415
3.6% more than 12 months ago

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

Van Wert is in Van Wert 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 Van Wert County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Van Wert apart

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

  1. Van Wert has the 18th lowest typical rent of the 285 cities in Ohio with more than 5,000 people ($765).

  2. The typical household income in Van Wert is $55,113, 19% less than in Van Wert County as a whole ($67,917).

  3. The typical home in Van Wert is worth $123,900, 18% less than in Van Wert County as a whole ($152,000).

  4. 71% of households in Van Wert own their home, against 82% in Van Wert County.

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

The homes here

Housing in Van Wert

What homes there are in Van Wert, 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

In Van Wert, 8 in 10 homes are single-family detached houses; in Van Wert County, 9.

Year built

Homes in Van Wert are older: the typical year built is 1956; in Van Wert County, 1960.

There are fewer big homes in Van Wert than in Van Wert County: 66% have 3 bedrooms or more, against 75%.

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

The FHA limit for Van Wert County is high ($541,287): at least 98% of owner-occupied homes in Van Wert are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$897 a month

Van Wert County: $1,111 a month

Without a mortgage

$431 a month

Van Wert County: $472 a month

Owners with a mortgage

58%

Van Wert County: 54%

The typical cost for an owner with a mortgage in Van Wert is $897 a month, less than in Van Wert County ($1,111); without one, $431.

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

From 2015–2019 to 2020–2024, the typical home value in Van Wert rose 41%; in Van Wert County, it rose 45%.

Since 2015–2019, the typical rent in Van Wert rose 14%, more than in Van Wert County (10%).

To compare: typical income in Van Wert rose 24%; the home, +41%; the rent, +14%.

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

MeasureVan WertVan Wert CountyOhioUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.4%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 2.332.472.372.53
Drive alone 85%84%75%69%
Carpool 8%8%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate5%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Van Wert are smaller: 2.33 people on average; in Van Wert County, 2.47.

To get to work, 85% of workers in Van Wert drive alone; in Van Wert 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 Van Wert?

A typical home is within reach of the typical income

We start with a typical home in Van Wert, worth $123,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 22% of the typical household income in Van Wert, which is $55,113 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Van Wert. 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 $4,337 (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

$1,033

at 7.18% · 30 years

Loan amount
$121,655
Total interest
$175,034
Paid off in
November 2056

Includes $2,092 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,286 a month

    Your payment · 22%

  • Tight

    $1,286 to $1,653 a month

  • Hard

    more than $1,653 a month

Compared with the typical household income in Van Wert ($55,113 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,033
Principal & interest$824
Property tax$102
Home insurance$52
FHA mortgage insurance (MIP)$55

You need at least $4,337 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

Van Wert and Van Wert County

Van Wert is in Van Wert 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).

Van Wert's own numbers

Typical home value
$123,900
Typical monthly rent
$765
Typical yearly household income
$55,113
Households that own their home
71%
Effective property tax rate
0.99%

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

Numbers for all of Van Wert County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,003
Price change over 5 years (FHFA)
+52%

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 Van Wert County.

Everything about Van Wert County

Buying

Buying a home in Van Wert

A typical home in Van Wert is worth $123,900: 18% below the county and 42% below Ohio. With the typical household income in Van Wert ($55,113 a year), a typical home costs 2.2 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.

  • Van Wert 2.2 years
  • County 2.2 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Van Wert County

According to FHFA’s house price index, home prices in Van Wert County rose 80% in the 10 years through 2025.

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

Period County Ohio U.S.
Last year (2025) +5.3% +4.8% +2.9%
5 years (2020–2025) +52% +53% +47%
10 years (2015–2025) +80% +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

Van Wert next to Van Wert 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
  • Van Wert $123,900
  • County $152,000
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Van Wert $765
  • County $782
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Van Wert $55,113
  • County $67,917
  • Ohio $71,389
  • United States $80,734
See the full table
Van Wert next to Van Wert County and Ohio
Measure Van Wert Van Wert County Ohio U.S.
Typical home value $123,900 $152,000 $214,800 $332,700
Typical monthly rent $765 $782 $1,034 $1,413
Typical yearly household income $55,113 $67,917 $71,389 $80,734
Households that own their home 71% 82% 67% 65%
Typical yearly property tax $1,231 $1,387 $2,822 $3,119
Effective property tax rate 0.99% 0.91% 1.31% 0.94%
Renters with high rent for their income 38% 37% 46% 51%

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

For a typical $123,900 home in Van Wert, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Van Wert's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,033a month

    Least cash to close
    Down payment
    $4,337
    Cash to close
    $8,054
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $55

  • Conventional, 5% down $1,010a month

    Down payment
    $6,195
    Cash to close
    $9,912
    Rate
    7.18%
    Mortgage insurance
    PMI · $59

  • Conventional, 20% down, no PMI $825a month

    Down payment
    $24,780
    Cash to close
    $28,497
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $940a month

    Down payment
    $18,585
    Cash to close
    $22,302
    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 Van Wert and for Van Wert County.

Property tax

Effective rate in Van Wert

0.99%of the home’s value each year

$1,231 a year for the typical owner in Van Wert.

  • Van Wert 0.99%
  • County 0.91%
  • 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 Van Wert County

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

FEMA’s maps count no homes in the high-risk zone in Van Wert County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Van Wert

Typical rent in Van Wert is $765 a month: 2% below the county. In Van Wert, 38% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Van Wert County, by unit size. To pay the 2-bedroom one ($1,003 a month) without spending more than 30% of your income, you would need to earn $19.29 an hour working full time.

HUD fair market rent for all of Van Wert 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 $770 $14.81 $30,800
1 bedroom $795 $15.29 $31,800
2 bedrooms $1,003 $19.29 $40,120
3 bedrooms $1,261 $24.25 $50,440
4 bedrooms $1,358 $26.12 $54,320

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 Van Wert

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Van Wert is in ZIP code 45891.

For 2 bedrooms it is $1,000: $3 less than the fair market rent for Van Wert County ($1,003).

  • 45891 $1,000$1,260

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Van Wert 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?

Low-income apartments

Low-income apartments in Van Wert

HUD lists 4 buildings with rents for lower incomes in Van Wert. These are the largest.

  • Homestead Village 1254 S Shannon St, Van Wert 45891 60 low-income homes · For older adults (419) 238-3468
  • Quail Run Apts 635 N Franklin St, Van Wert 45891 60 low-income homes · 2 bd: 50 · 3 bd: 10 · In service since 1997 · For older adults
  • Apple Glen Townhomes 1116 Kear Rd, Van Wert 45891 40 low-income homes · 1 bd: 8 · 2 bd: 24 · 3 bd: 8 · In service since 1998 · For older adults
  • Westwood Senior Apts 1051 Westwood Dr, Van Wert 45891 32 low-income homes · 2 bd: 15 · 3 bd: 17 · In service since 2013

See all 5 buildings in Van Wert County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Van Wert

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

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Van Wert

No down payment, repair or rent-help program on our list is for Van Wert or Van Wert County. The ones below are statewide in Ohio: they work in Van Wert 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 Van Wert

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

  • West Ohio Community Action Partnership

    540 S Central Ave, Lima · 27 miles away

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 6 more
    (419) 227-2586

  • Ohio State University Extension - Fulton County

    8770 State Route 108, Suite A, Wauseon · 55 miles away

    • Budget and financial counseling
    • Workshops for new owners
    • and 2 more
    (419) 337-9210

  • Ohio State University Extension - Lucas County

    5403 Elmer Dr, Toledo · 73 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (419) 213-4254

All counseling agencies in Ohio

Help in Spanish near Van Wert

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 Van Wert

HUD lists no housing authority with an office in Van Wert County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Ohio Source: HUD

Cities

Nearby cities

The cities closest to Van Wert, with the typical home value.

Everything about Van Wert County Housing in Ohio

Neighboring counties

If Van Wert 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 Van Wert.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Van Wert

Short answers with the numbers for Van Wert and all of Van Wert 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 Van Wert?

The typical home value in Van Wert is $123,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Van Wert County it is $152,000.

How much does it cost to rent in Van Wert?

Typical rent in Van Wert is $765 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Van Wert County is $1,003.

What is the FHA loan limit in Van Wert?

Van Wert uses the FHA limit for all of Van Wert 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 Van Wert?

The typical homeowner in Van Wert pays $1,231 a year, according to the U.S. Census Bureau. That is 0.99% of the home’s value; in Van Wert County, the rate is 0.91%.

Where can I find free help to buy or rent in Van Wert?

We found no HUD-approved counseling agencies with an office in Van Wert 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).