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City · 38,912 residents · Trumbull County, Ohio

Warren , Ohio

In Warren, a typical home is worth $86,400 and typical rent is $766 a month. Compared with all of Trumbull County, the typical home value is 39% lower, typical household income is 33% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $86,400

    39% below the county

    60% below Ohio

    • Warren
    • Trumbull
    • Ohio

  • Typical rent

    $766a month

    4% below the county

    26% below Ohio

    • Warren
    • Trumbull
    • Ohio

  • Typical household income

    $37,887a year

    33% below the county

    47% below Ohio

    • Warren
    • Trumbull
    • Ohio

  • Households that own their home

    56%

    15 points below the county

    11 points below Ohio

    • Warren
    • Trumbull
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$127,121
5.9% more than 12 months ago
Typical rent
$998 a month
5.3% more than 12 months ago

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

Warren is in Trumbull 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 Trumbull County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Warren apart

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

  1. Warren has the 5th lowest typical home value of the 292 cities in Ohio with more than 5,000 people ($86,400).

  2. Warren has the 6th lowest typical household income of the 292 cities in Ohio with more than 5,000 people ($37,887).

  3. 56% of households in Warren own their home, against 71% in Trumbull County.

  4. Warren has the 19th lowest typical rent of the 285 cities in Ohio with more than 5,000 people ($766).

  5. Warren has the 21st largest share of rent-burdened renters of the 253 cities in Ohio with more than 5,000 people (58%).

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

The homes here

Housing in Warren

What homes there are in Warren, 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 Warren (72%), but less so than in Trumbull County (76%).

Year built

In Warren, half of the homes were built before 1955; in Trumbull County, before 1964.

There are fewer big homes in Warren than in Trumbull County: 57% have 3 bedrooms or more, against 66%.

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 Trumbull County is high ($541,287): at least 99% of owner-occupied homes in Warren are worth less than $500,000.

Monthly rent with utilities

By rent, most homes in Warren cost less than HUD's 2-bedroom fair market rent ($1,003): about 82%.

With a mortgage

$967 a month

Trumbull County: $1,144 a month

Without a mortgage

$409 a month

Trumbull County: $488 a month

Owners with a mortgage

48%

Trumbull County: 52%

Owning costs less in Warren: with a mortgage, the typical cost is $967 a month; in Trumbull County, $1,144. Without one, $409.

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, home values in Warren rose at about the same pace as in Trumbull County: 39% against 38%.

Rents in Warren rose at about the same pace as in Trumbull County: 16% since 2015–2019, against 18%.

To compare: typical income in Warren rose 31%; the home, +39%; the rent, +16%.

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

MeasureWarrenTrumbull CountyOhioUnited States
Rental vacancy 7.8%6.0%4.4%5.5%
Homeowner vacancy Unreliable estimate0.9%0.8%0.9%
More than one person per room Unreliable estimate1.0%1.5%3.4%
People per household 2.162.282.372.53
Drive alone 75%81%75%69%
Carpool 15%9%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike 2%1%2%3%
Work from home 6%7%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

In Warren, the rental vacancy rate is 7.8%; in Trumbull County, 6.0%.

Households in Warren are smaller: 2.16 people on average; in Trumbull County, 2.28.

Carpooling is common in Warren: 15% of workers get to work that way, against 9% in Trumbull County.

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 Warren?

A typical home is within reach of the typical income

We start with a typical home in Warren, worth $86,400, 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 Warren, which is $37,887 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Warren. 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 $3,024 (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

$752

at 7.18% · 30 years

Loan amount
$84,835
Total interest
$122,058
Paid off in
November 2056

Includes $1,459 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $884 a month

    Your payment · 24%

  • Tight

    $884 to $1,137 a month

  • Hard

    more than $1,137 a month

Compared with the typical household income in Warren ($37,887 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$752
Principal & interest$575
Property tax$103
Home insurance$36
FHA mortgage insurance (MIP)$38

You need at least $3,024 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

Warren and Trumbull County

Warren is in Trumbull 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).

Warren's own numbers

Typical home value
$86,400
Typical monthly rent
$766
Typical yearly household income
$37,887
Households that own their home
56%
Effective property tax rate
1.43%

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

Numbers for all of Trumbull 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)
+59%
Homes in a high flood-risk zone
1.4%

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 Trumbull County.

Everything about Trumbull County

Buying

Buying a home in Warren

A typical home in Warren is worth $86,400: 39% below the county and 60% below Ohio. With the typical household income in Warren ($37,887 a year), a typical home costs 2.3 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.

  • Warren 2.3 years
  • Trumbull 2.5 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Trumbull County

According to FHFA’s house price index, home prices in Trumbull County rose 92% in the 10 years through 2025.

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

Period County Ohio U.S.
Last year (2025) +5.1% +4.8% +2.9%
5 years (2020–2025) +59% +53% +47%
10 years (2015–2025) +92% +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

Warren next to Trumbull 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
  • Warren $86,400
  • Trumbull $141,800
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Warren $766
  • Trumbull $797
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Warren $37,887
  • Trumbull $56,435
  • Ohio $71,389
  • United States $80,734
See the full table
Warren next to Trumbull County and Ohio
Measure Warren Trumbull County Ohio U.S.
Typical home value $86,400 $141,800 $214,800 $332,700
Typical monthly rent $766 $797 $1,034 $1,413
Typical yearly household income $37,887 $56,435 $71,389 $80,734
Households that own their home 56% 71% 67% 65%
Typical yearly property tax $1,236 $1,856 $2,822 $3,119
Effective property tax rate 1.43% 1.31% 1.31% 0.94%
Renters with high rent for their income 58% 47% 46% 51%

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

For a typical $86,400 home in Warren, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Warren's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $752a month

    Least cash to close
    Down payment
    $3,024
    Cash to close
    $5,616
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $38

  • Conventional, 5% down $736a month

    Down payment
    $4,320
    Cash to close
    $6,912
    Rate
    7.18%
    Mortgage insurance
    PMI · $41

  • Conventional, 20% down, no PMI $607a month

    Down payment
    $17,280
    Cash to close
    $19,872
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $687a month

    Down payment
    $12,960
    Cash to close
    $15,552
    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 Warren and for Trumbull County.

Property tax

Effective rate in Warren

1.43%of the home’s value each year

$1,236 a year for the typical owner in Warren.

  • Warren 1.43%
  • Trumbull 1.31%
  • 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 Trumbull County

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

Homes in the high-risk zone
1.4%
1,005
Of those, with NFIP insurance
21%
County Ohio U.S.
Homes in the high-risk zone 1.4% 1.7% 3.5%
Of those, with NFIP insurance 21% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Warren

Typical rent in Warren is $766 a month: 4% below the county. In Warren, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Trumbull 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 Trumbull 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 $755 $14.52 $30,200
1 bedroom $801 $15.40 $32,040
2 bedrooms $1,003 $19.29 $40,120
3 bedrooms $1,295 $24.90 $51,800
4 bedrooms $1,374 $26.42 $54,960

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 Warren

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Warren has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,020 in 44485 to $1,130 in 44484.

3 of the 3 are above the fair market rent for Trumbull County ($1,003).

  • 44483 $1,070$1,380
  • 44484 $1,130$1,460
  • 44485 $1,020$1,320

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Warren 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 Warren

HUD lists 32 buildings with rents for lower incomes in Warren. These are the largest.

  • Trumbull Homes 2820 Duke Ave SE, Warren 44484 294 homes, 293 low-income · Run by Trumbull Metropolitan Housing Authority · Average payment: $281 a month · Average wait: 26 months (330) 369-1533
  • Riverview Apts 700 Buckeye St NW, Warren 44485 202 homes, 201 low-income · Run by Trumbull Metropolitan Housing Authority · Average payment: $264 a month · Average wait: 16 months (330) 369-1533
  • The Elms 2300 Plaza Ave NE, Warren 44483 200 low-income homes · For older adults (330) 372-4944
  • Highland Terrace 438 Lane Dr SW, Warren 44483 206 homes, 198 low-income · Run by Trumbull Metropolitan Housing Authority · Average payment: $278 a month · Average wait: 27 months (330) 369-1533
  • Warren Heights Apartments 504 Douglas St NW, Warren 44483 188 homes, 186 low-income · For families (330) 392-3048

See all 48 buildings in Trumbull County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Warren

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.

There is 1 HUD-approved agency with an office in Trumbull County; none says it serves in Spanish.

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

HUD counseling is free or low-cost

Assistance programs in Warren

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

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

  • Apprisen - Warren

    1601 Motor Inn Dr, Girard · 10 miles away

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

  • Catholic Charities Regional Agency

    319 W Rayen Ave, Youngstown · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (330) 744-3320

  • Youngstown Neighborhood Development Corp.

    820 Canfield Rd, Youngstown · 14 miles away

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

Every agency in Trumbull County All counseling agencies in Ohio

Help in Spanish near Warren

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 Warren

In HUD’s record, no housing authority with an office in Trumbull County is named for Warren or Trumbull County.

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

Cities

Other cities in Trumbull County

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

Everything about Trumbull County Housing in Ohio

Nearby cities

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

Neighboring counties

If Trumbull 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 Warren.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Warren

Short answers with the numbers for Warren and all of Trumbull 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 Warren?

The typical home value in Warren is $86,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Trumbull County it is $141,800.

How much does it cost to rent in Warren?

Typical rent in Warren is $766 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Trumbull County is $1,003.

What is the FHA loan limit in Warren?

Warren uses the FHA limit for all of Trumbull 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 Warren?

The typical homeowner in Warren pays $1,236 a year, according to the U.S. Census Bureau. That is 1.43% of the home’s value; in Trumbull County, the rate is 1.31%.

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

There is 1 HUD-approved counseling agency with an office in Trumbull County. 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).