In Willard, a typical home is worth $115,700 and typical rent is $889 a month. Compared with all of Huron County, the typical home value is 30% lower, typical household income is 21% lower, and the share of households that own their home is 7 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $132,661 to $166,696.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Willard is in Huron 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 Huron County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Willard is worth $115,700,30% less than in Huron County as a whole ($166,000).
2
Nearby, in Bellevue, the typical rent is $744: 16% less than in Willard ($889).
3
The typical household income in Willard is $53,542,21% less than in Huron County as a whole ($67,878).
4
67% of households in Willard own their home, against 74% in Huron County.
5
14% of households in Willard have no internet at home (9% in Huron County).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Willard
What homes there are in Willard, 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
Willard
Huron County
Ohio
United States
Kind of home: Willard and its comparisons
Measure
Willard
Huron County
Ohio
United States
Detached house
76%
73%
69%
61%
Attached house
Unreliable estimate
4%
5%
6%
Building of 2 to 4
15%
10%
8%
8%
Apartments (5 or more)
Unreliable estimate
6%
15%
19%
Mobile home
Unreliable estimate
8%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Willard: 76% of homes, near the figure in Huron County (73%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Willard
Huron County
Ohio
United States
Year built: Willard and its comparisons
Measure
Willard
Huron County
Ohio
United States
Before 1960
51%
41%
38%
26%
1960–1979
25%
26%
26%
24%
1980–1999
17%
21%
20%
25%
2000–2009
5%
9%
10%
14%
2010 or later
Unreliable estimate
3%
7%
11%
Homes in Willard are older: the typical year built is 1960; in Huron County, 1968.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K39%
$100K–$200K50%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Willard and its comparisons
Measure
Willard
Under $100K
39%
$100K–$200K
50%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99951%
$1,000–$1,49940%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Willard and its comparisons
Measure
Willard
Under $500
Unreliable estimate
$500–$999
51%
$1,000–$1,499
40%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,003 a month
Huron County: $1,220 a month
Without a mortgage
$430 a month
Huron County: $534 a month
Owners with a mortgage
52%
Huron County: 57%
The typical cost for an owner with a mortgage in Willard is $1,003 a month, less than in Huron County ($1,220); without one, $430.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Willard+39%
Huron County+33%
Ohio+47%
United States+53%
Typical rent
Willard+27%
Huron County+22%
Ohio+28%
United States+33%
Typical household income
Willard+28%
Huron County+29%
Ohio+26%
United States+29%
Change since 2015–2019: Willard and its comparisons
Measure
Willard
Huron County
Ohio
United States
Typical home value
+39%
+33%
+47%
+53%
Typical rent
+27%
+22%
+28%
+33%
Typical household income
+28%
+29%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Willard rose 39%; in Huron County, it rose 33%.
Since 2015–2019, the typical rent in Willard rose 27%, more than in Huron County (22%).
To compare: typical income in Willard rose 28%; the home, +39%; the rent, +27%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Willard and its comparisons
Measure
Willard
Huron County
Ohio
United States
Rental vacancy
Unreliable estimate
10.9%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.4%
1.5%
3.4%
People per household
2.33
2.45
2.37
2.53
Drive alone
78%
82%
75%
69%
Carpool
15%
9%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
Unreliable estimate
5%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
By size, households in Willard look like those in Huron County: 2.33 people on average.
More people carpool to work in Willard than in Huron County: 15% against 9%.
Do the math
What would you pay each month for a home in Willard?
A typical home is within reach of the typical income
We start with a typical home in Willard, worth $115,700, 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 Willard, which is $53,542 a year.
The calculator's FHA and conventional loan limits are those of all of Huron 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 Willard. 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 $4,050 (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
$967
at 7.18% · 30 years
Loan amount
$113,604
Total interest
$163,449
Paid off in
November 2056
Includes $1,954 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,249 a month
Your payment · 22%
Tight
$1,249 to $1,606 a month
Hard
more than $1,606 a month
Compared with the typical household income in Willard ($53,542 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$770
Property tax
$98
Home insurance
$48
FHA mortgage insurance (MIP)
$51
You need at least $4,050 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 $967; principal and interest $770.
The city and its county
Willard and Huron County
Willard is in Huron 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).
Willard
Map of Huron County, Ohio, with Willard marked. Around it, the neighboring counties.
Willard
Huron County
Other cities with a page
Willard's own numbers
Typical home value
$115,700
Typical monthly rent
$889
Typical yearly household income
$53,542
Households that own their home
67%
Effective property tax rate
1.02%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Huron 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)
+53%
Homes in a high flood-risk zone
0.8%
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 Huron County.
A typical home in Willard is worth $115,700: 30% below the county and 46% below Ohio. With the typical household income in Willard ($53,542 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.
Willard2.2 years
Huron2.4 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Huron County
According to FHFA’s house price index, home prices in Huron County rose 84% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Huron County.
Yearly change in FHFA’s price index in Huron County, 2016 to 2025
2016: +3.8% +3.8% 2016
2017: +2.1% +2.1% 2017
2018: +3.9% +3.9% 2018
2019: +4.4% +4.4% 2019
2020: +4.4% +4.4% 2020
2021: +10.1% +10.1% 2021
2022: +12.0% +12.0% 2022
2023: +7.0% +7.0% 2023
2024: +6.9% +6.9% 2024
2025: +8.6% +8.6% 2025
Change in FHFA’s price index in Huron County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+8.6%
+4.8%
+2.9%
5 years (2020–2025)
+53%
+53%
+47%
10 years (2015–2025)
+84%
+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
Willard next to Huron 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
Willard$115,700
Huron$166,000
Ohio$214,800
United States$332,700
Typical monthly rent
Willard$889
Huron$848
Ohio$1,034
United States$1,413
Typical yearly household income
Willard$53,542
Huron$67,878
Ohio$71,389
United States$80,734
See the full table
Willard next to Huron County and Ohio
Measure
Willard
Huron County
Ohio
U.S.
Typical home value
$115,700 ▼30% below the county
$166,000
$214,800
$332,700
Typical monthly rent
$889 ▲5% above the county
$848
$1,034
$1,413
Typical yearly household income
$53,542 ▼21% below the county
$67,878
$71,389
$80,734
Households that own their home
67% ▼7 points below the county
74%
67%
65%
Typical yearly property tax
$1,176 ▼33% below the county
$1,751
$2,822
$3,119
Effective property tax rate
1.02% ▼0.03 points below the county
1.05%
1.31%
0.94%
Renters with high rent for their income
56% ▲14 points above the county
43%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Huron 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 Willard
For a typical $115,700 home in Willard, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Willard's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$967a month
Least cash to close
Down payment
$4,050
Cash to close
$7,521
Rate
7.18%
Mortgage insurance
FHA MIP · $51
Conventional, 5% down$946a month
Down payment
$5,785
Cash to close
$9,256
Rate
7.18%
Mortgage insurance
PMI · $55
Conventional, 20% down, no PMI$774a month
Down payment
$23,140
Cash to close
$26,611
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$881a month
Down payment
$17,355
Cash to close
$20,826
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Willard
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$967
$4,050
$113,604
7.18%
FHA MIP · $51
$7,521
580
Conventional, 5% down
$946
$5,785
$109,915
7.18%
PMI · $55
$9,256
620*
Conventional, 20% down, no PMI
$774
$23,140
$92,560
7.18%
None
$26,611
620*
ITIN, 15% down (example)
$881
$17,355
$98,345
8.18%
None
$20,826
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 Willard is $889 a month: 5% above the county. In Willard, 56% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Huron 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Huron County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$784
$15.08
$31,360
1 bedroom
$789
$15.17
$31,560
2 bedrooms
$1,003
$19.29
$40,120
3 bedrooms
$1,258
$24.19
$50,320
4 bedrooms
$1,535
$29.52
$61,400
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 Willard
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Willard is in ZIP code 44890.
For 2 bedrooms it is $1,010: $7 more than the fair market rent for Huron County ($1,003).
Fair market rent by ZIP code and size in Willard, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
44890
$790
$790
$1,010
$1,270
$1,550
ZIP code2 bd3 bd
44890 $1,010$1,270
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Willard 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.
We found no HUD-approved agencies with an office in Huron County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Willard or Huron County. The ones below are statewide in Ohio: they work in Willard 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 Willard or Huron 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 Willard and all of Huron 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 Willard?
The typical home value in Willard is $115,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Huron County it is $166,000.
How much does it cost to rent in Willard?
Typical rent in Willard is $889 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Huron County is $1,003.
What is the FHA loan limit in Willard?
Willard uses the FHA limit for all of Huron 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 Willard?
The typical homeowner in Willard pays $1,176 a year, according to the U.S. Census Bureau. That is 1.02% of the home’s value; in Huron County, the rate is 1.05%.
Where can I find free help to buy or rent in Willard?
We found no HUD-approved counseling agencies with an office in Huron County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
