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City · 7,505 residents · Fulton County, Ohio

Wauseon , Ohio

In Wauseon, a typical home is worth $152,600 and typical rent is $821 a month. Compared with all of Fulton County, the typical home value is 20% lower, typical household income is 12% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $152,600

    20% below the county

    29% below Ohio

    • Wauseon
    • Fulton
    • Ohio

  • Typical rent

    $821a month

    5% below the county

    21% below Ohio

    • Wauseon
    • Fulton
    • Ohio

  • Typical household income

    $64,477a year

    12% below the county

    10% below Ohio

    • Wauseon
    • Fulton
    • Ohio

  • Households that own their home

    71%

    9 points below the county

    4 points above Ohio

    • Wauseon
    • Fulton
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$230,572
2% more than 12 months ago

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

Wauseon is in Fulton 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 Fulton County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Wauseon apart

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

  1. Wauseon has the 5th smallest share of rent-burdened renters of the 253 cities in Ohio with more than 5,000 people (28%).

  2. The typical home in Wauseon is worth $152,600, 20% less than in Fulton County as a whole ($191,000).

  3. 71% of households in Wauseon own their home, against 80% in Fulton County.

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

The homes here

Housing in Wauseon

What homes there are in Wauseon, 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

The detached house is still the most common home in Wauseon, but it weighs less than in Fulton County: 68% against 80%.

Year built

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

With an FHA limit of $541,287, at least 96% of owner-occupied homes in Wauseon sit below it: they are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,255 a month

Fulton County: $1,354 a month

Without a mortgage

$535 a month

Fulton County: $543 a month

Owners with a mortgage

68%

Fulton County: 59%

In Wauseon, 68% of owners have a mortgage, and their typical cost is $1,255 a month, against $1,354 in Fulton County. Without one it drops to $535.

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 Wauseon rose 19%; in Fulton County, it rose 38%.

The typical rent in Wauseon stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureWauseonFulton 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 estimate1.1%1.5%3.4%
People per household 2.422.462.372.53
Drive alone 90%87%75%69%
Carpool Unreliable estimate5%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 estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Fulton County, a household in Wauseon has 2.42 people on average.

To get to work, 90% of workers in Wauseon drive alone; in Fulton County, 87%.

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 Wauseon?

A typical home is within reach of the typical income

We start with a typical home in Wauseon, worth $152,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Wauseon, which is $64,477 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Wauseon. 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 $5,341 (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

$1,343

at 7.18% · 30 years

Loan amount
$149,836
Total interest
$215,579
Paid off in
November 2056

Includes $2,577 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,504 a month

    Your payment · 25%

  • Tight

    $1,504 to $1,934 a month

  • Hard

    more than $1,934 a month

Compared with the typical household income in Wauseon ($64,477 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,343
Principal & interest$1,015
Property tax$197
Home insurance$64
FHA mortgage insurance (MIP)$67

You need at least $5,341 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

Wauseon and Fulton County

Wauseon is in Fulton 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).

Wauseon's own numbers

Typical home value
$152,600
Typical monthly rent
$821
Typical yearly household income
$64,477
Households that own their home
71%
Effective property tax rate
1.55%

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

Numbers for all of Fulton County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,145
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
0.9%

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 Fulton County.

Everything about Fulton County

Buying

Buying a home in Wauseon

A typical home in Wauseon is worth $152,600: 20% below the county and 29% below Ohio. With the typical household income in Wauseon ($64,477 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.

  • Wauseon 2.4 years
  • Fulton 2.6 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Fulton County

According to FHFA’s house price index, home prices in Fulton County rose 83% in the 10 years through 2025.

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

Period County Ohio U.S.
Last year (2025) +3.7% +4.8% +2.9%
5 years (2020–2025) +50% +53% +47%
10 years (2015–2025) +83% +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

Wauseon next to Fulton 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
  • Wauseon $152,600
  • Fulton $191,000
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Wauseon $821
  • Fulton $863
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Wauseon $64,477
  • Fulton $72,864
  • Ohio $71,389
  • United States $80,734
See the full table
Wauseon next to Fulton County and Ohio
Measure Wauseon Fulton County Ohio U.S.
Typical home value $152,600 $191,000 $214,800 $332,700
Typical monthly rent $821 $863 $1,034 $1,413
Typical yearly household income $64,477 $72,864 $71,389 $80,734
Households that own their home 71% 80% 67% 65%
Typical yearly property tax $2,360 $2,444 $2,822 $3,119
Effective property tax rate 1.55% 1.28% 1.31% 0.94%
Renters with high rent for their income 28% 31% 46% 51%

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

For a typical $152,600 home in Wauseon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wauseon's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,343a month

    Least cash to close
    Down payment
    $5,341
    Cash to close
    $9,919
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $67

  • Conventional, 5% down $1,315a month

    Down payment
    $7,630
    Cash to close
    $12,208
    Rate
    7.18%
    Mortgage insurance
    PMI · $72

  • Conventional, 20% down, no PMI $1,088a month

    Down payment
    $30,520
    Cash to close
    $35,098
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,229a month

    Down payment
    $22,890
    Cash to close
    $27,468
    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 Wauseon and for Fulton County.

Property tax

Effective rate in Wauseon

1.55%of the home’s value each year

$2,360 a year for the typical owner in Wauseon.

  • Wauseon 1.55%
  • Fulton 1.28%
  • 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 Fulton County

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

Homes in the high-risk zone
0.9%
144
Of those, with NFIP insurance
31%
County Ohio U.S.
Homes in the high-risk zone 0.9% 1.7% 3.5%
Of those, with NFIP insurance 31% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Wauseon

Typical rent in Wauseon is $821 a month: 5% below the county. In Wauseon, 28% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Fulton County, by unit size. To pay the 2-bedroom one ($1,145 a month) without spending more than 30% of your income, you would need to earn $22.02 an hour working full time.

HUD fair market rent for all of Fulton 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 $822 $15.81 $32,880
1 bedroom $875 $16.83 $35,000
2 bedrooms $1,145 $22.02 $45,800
3 bedrooms $1,461 $28.10 $58,440
4 bedrooms $1,558 $29.96 $62,320

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 Wauseon

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wauseon is in ZIP code 43567.

For 2 bedrooms it is $1,000: $145 less than the fair market rent for Fulton County ($1,145).

  • 43567 $1,000$1,280

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

HUD lists 3 buildings with rents for lower incomes in Wauseon. These are the largest.

  • Wauseon Senior Village 753 Wauseon Senior Village Dr, Wauseon 43567 48 low-income homes · 2 bd: 48 · In service since 2010 · For older adults
  • Wauseon Manor II 425 Cole St, Wauseon 43567 35 low-income homes · In service since 1993
  • Fulfilling Housing II 1221 Lillian Ln, Wauseon 43567 12 low-income homes · For people with disabilities (419) 592-6451

See all 8 buildings in Fulton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Wauseon

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 Fulton County; none says it serves in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Wauseon

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

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

  • Ohio State University Extension - Fulton County

    8770 State Route 108, Suite A, Wauseon · 3 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 · 26 miles away

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

  • Nid Lucas County

    1510 N. Westwood Ave. Suite 2035, Toledo · 28 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (419) 504-5188

Every agency in Fulton County All counseling agencies in Ohio

Help in Spanish near Wauseon

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 Wauseon

HUD lists no housing authority with an office in Fulton 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 Wauseon, with the typical home value.

Everything about Fulton County Housing in Ohio

Neighboring counties

If Fulton 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 Wauseon.

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 Wauseon

Short answers with the numbers for Wauseon and all of Fulton 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 Wauseon?

The typical home value in Wauseon is $152,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fulton County it is $191,000.

How much does it cost to rent in Wauseon?

Typical rent in Wauseon is $821 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Fulton County is $1,145.

What is the FHA loan limit in Wauseon?

Wauseon uses the FHA limit for all of Fulton 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 Wauseon?

The typical homeowner in Wauseon pays $2,360 a year, according to the U.S. Census Bureau. That is 1.55% of the home’s value; in Fulton County, the rate is 1.28%.

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

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