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City · 9,894 residents · Auglaize County, Ohio

Wapakoneta , Ohio

In Wapakoneta, a typical home is worth $158,400 and typical rent is $811 a month. Compared with all of Auglaize County, typical household income is 17% lower, the typical home value is 17% lower, and the share of households that own their home is 10 points lower.

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  • Typical home value

    $158,400

    17% below the county

    26% below Ohio

    • Wapakoneta
    • Auglaize
    • Ohio

  • Typical rent

    $811a month

    7% below the county

    22% below Ohio

    • Wapakoneta
    • Auglaize
    • Ohio

  • Typical household income

    $65,570a year

    17% below the county

    8% below Ohio

    • Wapakoneta
    • Auglaize
    • Ohio

  • Households that own their home

    68%

    10 points below the county

    1 points above Ohio

    • Wapakoneta
    • Auglaize
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$239,318
6.1% more than 12 months ago

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

Wapakoneta is in Auglaize 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 Auglaize County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Wapakoneta apart

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

  1. Nearby, in Lima, the typical home value is $107,200: 32% less than in Wapakoneta ($158,400).

  2. The typical household income in Wapakoneta is $65,570, 17% less than in Auglaize County as a whole ($78,660).

  3. The typical home in Wapakoneta is worth $158,400, 17% less than in Auglaize County as a whole ($189,800).

  4. 68% of households in Wapakoneta own their home, against 78% in Auglaize County.

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

The homes here

Housing in Wapakoneta

What homes there are in Wapakoneta, 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 houses are the majority in Wapakoneta (74%), but less so than in Auglaize County (83%).

There are more mobile homes here than in Auglaize County: 6% of homes, against 3%.

Year built

By age, homes in Wapakoneta look like those in Auglaize County: the typical year built is 1972.

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

About 64% of rented homes in Wapakoneta cost less than HUD's 2-bedroom fair market rent for Auglaize County ($1,016); the rest cost more.

With a mortgage

$1,045 a month

Auglaize County: $1,301 a month

Without a mortgage

$482 a month

Auglaize County: $503 a month

Owners with a mortgage

54%

Auglaize County: 55%

In Wapakoneta, 54% of owners have a mortgage, and their typical cost is $1,045 a month, against $1,301 in Auglaize County. Without one it drops to $482.

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 Wapakoneta rose 47% since 2015–2019, more than in Auglaize County (29%).

Since 2015–2019, the typical rent in Wapakoneta did not change clearly, according to the Census.

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

MeasureWapakonetaAuglaize 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 2.222.412.372.53
Drive alone 86%84%75%69%
Carpool Unreliable estimate6%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 7%6%13%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.22 on average, against 2.41 in Auglaize County.

To get to work, 86% of workers in Wapakoneta drive alone; in Auglaize 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 Wapakoneta?

A typical home is within reach of the typical income

We start with a typical home in Wapakoneta, worth $158,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 24% of the typical household income in Wapakoneta, which is $65,570 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Wapakoneta. 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 $5,544 (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

$1,305

at 7.18% · 30 years

Loan amount
$155,531
Total interest
$223,773
Paid off in
November 2056

Includes $2,675 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,530 a month

    Your payment · 24%

  • Tight

    $1,530 to $1,967 a month

  • Hard

    more than $1,967 a month

Compared with the typical household income in Wapakoneta ($65,570 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,305
Principal & interest$1,054
Property tax$115
Home insurance$66
FHA mortgage insurance (MIP)$70

You need at least $5,544 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

Wapakoneta and Auglaize County

Wapakoneta is in Auglaize 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).

Wapakoneta's own numbers

Typical home value
$158,400
Typical monthly rent
$811
Typical yearly household income
$65,570
Households that own their home
68%
Effective property tax rate
0.87%

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

Numbers for all of Auglaize County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,016
Price change over 5 years (FHFA)
+51%

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 Auglaize County.

Everything about Auglaize County

Buying

Buying a home in Wapakoneta

A typical home in Wapakoneta is worth $158,400: 17% below the county and 26% below Ohio. With the typical household income in Wapakoneta ($65,570 a year), a typical home costs 2.4 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.

  • Wapakoneta 2.4 years
  • Auglaize 2.4 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Auglaize County

According to FHFA’s house price index, home prices in Auglaize County rose 91% in the 10 years through 2025.

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

Period County Ohio U.S.
Last year (2025) +3.5% +4.8% +2.9%
5 years (2020–2025) +51% +53% +47%
10 years (2015–2025) +91% +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

Wapakoneta next to Auglaize 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
  • Wapakoneta $158,400
  • Auglaize $189,800
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Wapakoneta $811
  • Auglaize $868
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Wapakoneta $65,570
  • Auglaize $78,660
  • Ohio $71,389
  • United States $80,734
See the full table
Wapakoneta next to Auglaize County and Ohio
Measure Wapakoneta Auglaize County Ohio U.S.
Typical home value $158,400 $189,800 $214,800 $332,700
Typical monthly rent $811 $868 $1,034 $1,413
Typical yearly household income $65,570 $78,660 $71,389 $80,734
Households that own their home 68% 78% 67% 65%
Typical yearly property tax $1,378 $1,828 $2,822 $3,119
Effective property tax rate 0.87% 0.96% 1.31% 0.94%
Renters with high rent for their income 36% 32% 46% 51%

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

For a typical $158,400 home in Wapakoneta, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wapakoneta's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,305a month

    Least cash to close
    Down payment
    $5,544
    Cash to close
    $10,296
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $70

  • Conventional, 5% down $1,275a month

    Down payment
    $7,920
    Cash to close
    $12,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $75

  • Conventional, 20% down, no PMI $1,039a month

    Down payment
    $31,680
    Cash to close
    $36,432
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,186a month

    Down payment
    $23,760
    Cash to close
    $28,512
    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 Wapakoneta and for Auglaize County.

Property tax

Effective rate in Wapakoneta

0.87%of the home’s value each year

$1,378 a year for the typical owner in Wapakoneta.

  • Wapakoneta 0.87%
  • Auglaize 0.96%
  • 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 Auglaize County

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

FEMA’s maps count no homes in the high-risk zone in Auglaize 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 Wapakoneta

Typical rent in Wapakoneta is $811 a month: 7% below the county. In Wapakoneta, 36% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Auglaize County, by unit size. To pay the 2-bedroom one ($1,016 a month) without spending more than 30% of your income, you would need to earn $19.54 an hour working full time.

HUD fair market rent for all of Auglaize 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 $772 $14.85 $30,880
1 bedroom $777 $14.94 $31,080
2 bedrooms $1,016 $19.54 $40,640
3 bedrooms $1,407 $27.06 $56,280
4 bedrooms $1,603 $30.83 $64,120

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 Wapakoneta

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wapakoneta is in ZIP code 45895.

For 2 bedrooms it is $1,070: $54 more than the fair market rent for Auglaize County ($1,016).

  • 45895 $1,070$1,480

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

HUD lists 5 buildings with rents for lower incomes in Wapakoneta. These are the largest.

  • Normandy Ridge Apts 402A Ashland Ave, Wapakoneta 45895 84 low-income homes · 2 bd: 70 · 3 bd: 14 · In service since 1998 · For older adults
  • Valley View Apartments, LTD. 1105 Middle St, Wapakoneta 45895 44 low-income homes · For families (419) 738-8947
  • Wapakoneta Village 218 Eastown Dr, Wapakoneta 45895 41 homes, 40 low-income · For older adults (419) 738-9450
  • Wapakoneta Village 218 East Town Drive, Wapakoneta 45895 40 low-income homes · In service since 2016 · For older adults
  • Quaker Run 2 Quaker Run, Wapakoneta 45895 36 low-income homes · For families (419) 738-8690

See all 10 buildings in Auglaize County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Wapakoneta

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

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Wapakoneta

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

The HUD-approved agencies closest to the center of Wapakoneta, 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 · 12 miles away

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

  • Neighborhood Housing Partnership of Greater Springfield, Inc.

    527 E Home Rd, Springfield · 47 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (937) 322-4623

  • Horizon Housing Communities Development for Ohio (HHCDO)

    1700 Needmore Rd, Dayton · 52 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (937) 259-8870

All counseling agencies in Ohio

Help in Spanish near Wapakoneta

1 of the 3 agencies on this list says it serves 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 Wapakoneta

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

All housing agencies in Ohio Source: HUD

Cities

Other cities in Auglaize County

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

Everything about Auglaize County Housing in Ohio

Nearby cities

The cities closest to Wapakoneta, with the typical home value.

Neighboring counties

If Auglaize 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 Wapakoneta.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Wapakoneta

Short answers with the numbers for Wapakoneta and all of Auglaize 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 Wapakoneta?

The typical home value in Wapakoneta is $158,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Auglaize County it is $189,800.

How much does it cost to rent in Wapakoneta?

Typical rent in Wapakoneta is $811 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Auglaize County is $1,016.

What is the FHA loan limit in Wapakoneta?

Wapakoneta uses the FHA limit for all of Auglaize 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 Wapakoneta?

The typical homeowner in Wapakoneta pays $1,378 a year, according to the U.S. Census Bureau. That is 0.87% of the home’s value; in Auglaize County, the rate is 0.96%.

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

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