In Westerville, a typical home is worth $374,500 and typical rent is $1,364 a month. Compared with all of Franklin County, typical household income is 46% higher, the typical home value is 30% higher, and the share of households that own their home is 20 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $352,977 to $445,749.
Typical rent
$1,629a month
▲ 3% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,261 to $1,629.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Westerville is in Franklin County. The FHA loan limit ($591,100 for a one-unit home), the fair market rents and the help on this page are those of all of Franklin County. See the county
What this place has that others do not, from public data, most unusual first.
1
72% of households in Westerville own their home, against 53% in Franklin County.
2
The typical household income in Westerville is $109,404,46% more than in Franklin County as a whole ($75,176).
3
The typical home in Westerville is worth $374,500,30% more than in Franklin County as a whole ($288,400).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Westerville
What homes there are in Westerville, 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
Westerville
Franklin County
Ohio
United States
Kind of home: Westerville and its comparisons
Measure
Westerville
Franklin County
Ohio
United States
Detached house
66%
52%
69%
61%
Attached house
9%
10%
5%
6%
Building of 2 to 4
8%
11%
8%
8%
Apartments (5 or more)
17%
26%
15%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Westerville: 66% of homes, more than in Franklin County (52%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Westerville
Franklin County
Ohio
United States
Year built: Westerville and its comparisons
Measure
Westerville
Franklin County
Ohio
United States
Before 1960
13%
25%
38%
26%
1960–1979
34%
26%
26%
24%
1980–1999
34%
25%
20%
25%
2000–2009
10%
12%
10%
14%
2010 or later
10%
12%
7%
11%
In Westerville, half of the homes were built before 1982; in Franklin County, before 1979.
There is more room for a big family here: 67% of homes have 3 bedrooms or more, against 53% in Franklin County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K3%
$200K–$300K22%
$300K–$500K60%
$500K–$750K12%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Westerville and its comparisons
Measure
Westerville
Under $100K
Unreliable estimate
$100K–$200K
3%
$200K–$300K
22%
$300K–$500K
60%
$500K–$750K
12%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99920%
$1,000–$1,49936%
$1,500–$1,99920%
$2,000–$2,49910%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Westerville and its comparisons
Measure
Westerville
Under $500
Unreliable estimate
$500–$999
20%
$1,000–$1,499
36%
$1,500–$1,999
20%
$2,000–$2,499
10%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,120 a month
Franklin County: $1,781 a month
Without a mortgage
$968 a month
Franklin County: $748 a month
Owners with a mortgage
68%
Franklin County: 70%
The typical cost for an owner with a mortgage in Westerville is $2,120 a month, more than in Franklin County ($1,781); without one, $968.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Westerville+58%
Franklin County+65%
Ohio+47%
United States+53%
Typical rent
Westerville+24%
Franklin County+34%
Ohio+28%
United States+33%
Typical household income
Westerville+17%
Franklin County+23%
Ohio+26%
United States+29%
Change since 2015–2019: Westerville and its comparisons
Measure
Westerville
Franklin County
Ohio
United States
Typical home value
+58%
+65%
+47%
+53%
Typical rent
+24%
+34%
+28%
+33%
Typical household income
+17%
+23%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Westerville rose 58%; in Franklin County, it rose 65%.
The typical rent in Westerville rose 24% over the same time; in Franklin County, it rose 34%.
Housing prices ran ahead of income in Westerville: typical income rose 17%, against +58% for home values and +24% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Westerville and its comparisons
Measure
Westerville
Franklin County
Ohio
United States
Rental vacancy
Unreliable estimate
3.8%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
0.8%
0.9%
More than one person per room
Unreliable estimate
2.5%
1.5%
3.4%
People per household
2.43
2.36
2.37
2.53
Drive alone
66%
68%
75%
69%
Carpool
3%
7%
8%
9%
Public transit
Unreliable estimate
2%
1%
3%
Walk or bike
3%
3%
2%
3%
Work from home
27%
19%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in Westerville has 2.43 people on average, about the same as in Franklin County (2.36).
Many people here do not commute at all: 27% work from home; in Franklin County, 19%.
Do the math
What would you pay each month for a home in Westerville?
A typical home costs more than the typical income allows
We start with a typical home in Westerville, worth $374,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Westerville, which is $109,404 a year. For that payment to be 28% of income, a household would need to earn about $144,353 a year.
The calculator's FHA and conventional loan limits are those of all of Franklin 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 Westerville. 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 $13,108 (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
$3,368
at 7.18% · 30 years
Loan amount
$367,716
Total interest
$529,058
Paid off in
November 2056
Includes $6,324 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,553 a month
Tight
$2,553 to $3,282 a month
Hard
more than $3,282 a month
Your payment · 37%
Compared with the typical household income in Westerville ($109,404 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,491
Property tax
$556
Home insurance
$156
FHA mortgage insurance (MIP)
$166
You need at least $13,108 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 $3,368; principal and interest $2,491.
The city and its county
Westerville and Franklin County
Westerville is in Franklin 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).
Westerville
Map of Franklin County, Ohio, with Westerville marked. Around it, the neighboring counties.
Westerville
Franklin County
Other cities with a page
Westerville's own numbers
Typical home value
$374,500
Typical monthly rent
$1,364
Typical yearly household income
$109,404
Households that own their home
72%
Effective property tax rate
1.78%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Franklin County
FHA limit, one-unit home
$591,100
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,602
Price change over 5 years (FHFA)
+51%
Homes in a high flood-risk zone
1.1%
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 Franklin County.
A typical home in Westerville is worth $374,500: 30% above the county and 74% above Ohio. With the typical household income in Westerville ($109,404 a year), a typical home costs 3.4 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.
Westerville3.4 years
Franklin3.8 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Franklin County
According to FHFA’s house price index, home prices in Franklin County rose 107% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Franklin County.
Yearly change in FHFA’s price index in Franklin County, 2016 to 2025
2016: +6.5% +6.5% 2016
2017: +7.2% +7.2% 2017
2018: +7.6% +7.6% 2018
2019: +5.6% +5.6% 2019
2020: +5.3% +5.3% 2020
2021: +12.0% +12.0% 2021
2022: +15.4% +15.4% 2022
2023: +7.6% +7.6% 2023
2024: +5.5% +5.5% 2024
2025: +3.2% +3.2% 2025
Change in FHFA’s price index in Franklin County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+3.2%
+4.8%
+2.9%
5 years (2020–2025)
+51%
+53%
+47%
10 years (2015–2025)
+107%
+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
Westerville next to Franklin 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
Westerville$374,500
Franklin$288,400
Ohio$214,800
United States$332,700
Typical monthly rent
Westerville$1,364
Franklin$1,302
Ohio$1,034
United States$1,413
Typical yearly household income
Westerville$109,404
Franklin$75,176
Ohio$71,389
United States$80,734
See the full table
Westerville next to Franklin County and Ohio
Measure
Westerville
Franklin County
Ohio
U.S.
Typical home value
$374,500 ▲30% above the county
$288,400
$214,800
$332,700
Typical monthly rent
$1,364 ▲5% above the county
$1,302
$1,034
$1,413
Typical yearly household income
$109,404 ▲46% above the county
$75,176
$71,389
$80,734
Households that own their home
72% ▲20 points above the county
53%
67%
65%
Typical yearly property tax
$6,658 ▲57% above the county
$4,244
$2,822
$3,119
Effective property tax rate
1.78% ▲0.31 points above the county
1.47%
1.31%
0.94%
Renters with high rent for their income
51% ▲5 points above the county
46%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Franklin 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 Westerville
For a typical $374,500 home in Westerville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Westerville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,368a month
Least cash to close
Down payment
$13,108
Cash to close
$24,343
Rate
7.18%
Mortgage insurance
FHA MIP · $166
Conventional, 5% down$3,300a month
Down payment
$18,725
Cash to close
$29,960
Rate
7.18%
Mortgage insurance
PMI · $178
Conventional, 20% down, no PMI$2,741a month
Down payment
$74,900
Cash to close
$86,135
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,087a month
Down payment
$56,175
Cash to close
$67,410
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Westerville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,368
$13,108
$367,717
7.18%
FHA MIP · $166
$24,343
580
Conventional, 5% down
$3,300
$18,725
$355,775
7.18%
PMI · $178
$29,960
620*
Conventional, 20% down, no PMI
$2,741
$74,900
$299,600
7.18%
None
$86,135
620*
ITIN, 15% down (example)
$3,087
$56,175
$318,325
8.18%
None
$67,410
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 Westerville is $1,364 a month: 5% above the county. In Westerville, 51% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Franklin County, by unit size. To pay the 2-bedroom one ($1,602 a month) without spending more than 30% of your income, you would need to earn $30.81 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 Franklin County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,258
$24.19
$50,320
1 bedroom
$1,346
$25.88
$53,840
2 bedrooms
$1,602
$30.81
$64,080
3 bedrooms
$1,909
$36.71
$76,360
4 bedrooms
$2,172
$41.77
$86,880
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 Westerville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Westerville has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,940 in 43081 to $2,080 in 43082.
2 of the 2 are above the fair market rent for Franklin County ($1,602).
Fair market rent by ZIP code and size in Westerville, fiscal year 2027.
43081
$1,520
$1,630
$1,940
$2,310
$2,630
43082
$1,630
$1,750
$2,080
$2,480
$2,820
ZIP code2 bd3 bd
43081 $1,940$2,310
43082 $2,080$2,480
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Westerville 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.
There are 7 HUD-approved agencies with an office in Franklin County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Westerville or Franklin County. The ones below are statewide in Ohio: they work in Westerville 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 Westerville or Franklin 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 Westerville and all of Franklin 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 Westerville?
The typical home value in Westerville is $374,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Franklin County it is $288,400.
How much does it cost to rent in Westerville?
Typical rent in Westerville is $1,364 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Franklin County is $1,602.
What is the FHA loan limit in Westerville?
Westerville uses the FHA limit for all of Franklin County (2026): $591,100 for a one-unit home and $1,136,750 for a four-unit home.
How much property tax do owners pay in Westerville?
The typical homeowner in Westerville pays $6,658 a year, according to the U.S. Census Bureau. That is 1.78% of the home’s value; in Franklin County, the rate is 1.47%.
Where can I find free help to buy or rent in Westerville?
There are 7 HUD-approved counseling agencies with an office in Franklin County. They can help you get ready to buy, with your credit, or with rent.
