In Wilmington, a typical home is worth $174,400 and typical rent is $909 a month. Compared with all of Clinton County, typical household income is 19% lower, the typical home value is 18% lower, and the share of households that own their home is 14 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $207,735 to $271,446.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Wilmington is in Clinton 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 Clinton County. See the county
What this place has that others do not, from public data, most unusual first.
1
58% of households in Wilmington own their home, against 72% in Clinton County.
2
Nearby, in Hillsboro, the typical rent is $770: 15% less than in Wilmington ($909).
3
The typical household income in Wilmington is $57,199,19% less than in Clinton County as a whole ($70,407).
4
The typical home in Wilmington is worth $174,400,18% less than in Clinton County as a whole ($211,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Wilmington
What homes there are in Wilmington, 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
Wilmington
Clinton County
Ohio
United States
Kind of home: Wilmington and its comparisons
Measure
Wilmington
Clinton County
Ohio
United States
Detached house
65%
78%
69%
61%
Attached house
Unreliable estimate
2%
5%
6%
Building of 2 to 4
10%
5%
8%
8%
Apartments (5 or more)
19%
9%
15%
19%
Mobile home
Unreliable estimate
7%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Wilmington (65%), but less so than in Clinton County (78%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Wilmington
Clinton County
Ohio
United States
Year built: Wilmington and its comparisons
Measure
Wilmington
Clinton County
Ohio
United States
Before 1960
37%
34%
38%
26%
1960–1979
17%
19%
26%
24%
1980–1999
29%
28%
20%
25%
2000–2009
14%
15%
10%
14%
2010 or later
Unreliable estimate
4%
7%
11%
By age, homes in Wilmington look like those in Clinton County: the typical year built is 1977.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K10%
$100K–$200K52%
$200K–$300K29%
$300K–$500K8%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Wilmington and its comparisons
Measure
Wilmington
Under $100K
10%
$100K–$200K
52%
$200K–$300K
29%
$300K–$500K
8%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
At least 99% of owner-occupied homes in Wilmington are worth less than $500,000, below the FHA loan limit for Clinton County ($541,287).
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50011%
$500–$99947%
$1,000–$1,49928%
HUD fair market rent, 2 bedrooms: $1,071
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Wilmington and its comparisons
Measure
Wilmington
Under $500
11%
$500–$999
47%
$1,000–$1,499
28%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 62% of rented homes in Wilmington cost less than HUD's 2-bedroom fair market rent for Clinton County ($1,071); the rest cost more.
With a mortgage
$1,183 a month
Clinton County: $1,347 a month
Without a mortgage
$521 a month
Clinton County: $536 a month
Owners with a mortgage
62%
Clinton County: 61%
The typical cost for an owner with a mortgage in Wilmington is $1,183 a month, less than in Clinton County ($1,347); without one, $521.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Wilmington+61%
Clinton County+65%
Ohio+47%
United States+53%
Typical rent
Wilmington+22%
Clinton County+21%
Ohio+28%
United States+33%
Typical household income
Wilmington+60%
Clinton County+33%
Ohio+26%
United States+29%
Change since 2015–2019: Wilmington and its comparisons
Measure
Wilmington
Clinton County
Ohio
United States
Typical home value
+61%
+65%
+47%
+53%
Typical rent
+22%
+21%
+28%
+33%
Typical household income
+60%
+33%
+26%
+29%
The typical home value in Wilmington rose 61% since 2015–2019, less than in Clinton County (65%).
Rents in Wilmington rose at about the same pace as in Clinton County: 22% since 2015–2019, against 21%.
While home values in Wilmington changed +61% and rent +22%, the typical household income rose 60%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Wilmington and its comparisons
Measure
Wilmington
Clinton County
Ohio
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.0%
1.5%
3.4%
People per household
2.09
2.44
2.37
2.53
Drive alone
79%
80%
75%
69%
Carpool
8%
8%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
6%
8%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
On average, a household in Wilmington has 2.09 people, fewer than in Clinton County (2.44).
To get to work, 79% of workers in Wilmington drive alone; in Clinton County, 80%.
Do the math
What would you pay each month for a home in Wilmington?
A typical home is tight for the typical income
We start with a typical home in Wilmington, worth $174,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Wilmington, which is $57,199 a year. For that payment to be 28% of income, a household would need to earn about $62,427 a year.
The calculator's FHA and conventional loan limits are those of all of Clinton 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 Wilmington. 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 $6,104 (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
$1,457
at 7.18% · 30 years
Loan amount
$171,241
Total interest
$246,376
Paid off in
November 2056
Includes $2,945 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,335 a month
Tight
$1,335 to $1,716 a month
Your payment · 31%
Hard
more than $1,716 a month
Compared with the typical household income in Wilmington ($57,199 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,160
Property tax
$147
Home insurance
$73
FHA mortgage insurance (MIP)
$77
You need at least $6,104 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 $1,457; principal and interest $1,160.
The city and its county
Wilmington and Clinton County
Wilmington is in Clinton 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).
Wilmington
Map of Clinton County, Ohio, with Wilmington marked. Around it, the neighboring counties.
Wilmington
Clinton County
Other cities with a page
Wilmington's own numbers
Typical home value
$174,400
Typical monthly rent
$909
Typical yearly household income
$57,199
Households that own their home
58%
Effective property tax rate
1.01%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Clinton County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,071
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
2%
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 Clinton County.
A typical home in Wilmington is worth $174,400: 18% below the county and 19% below Ohio. With the typical household income in Wilmington ($57,199 a year), a typical home costs 3.0 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.
Wilmington3.0 years
Clinton3.0 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Clinton County
According to FHFA’s house price index, home prices in Clinton County rose 112% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Clinton County.
Yearly change in FHFA’s price index in Clinton County, 2016 to 2025
2016: +5.3% +5.3% 2016
2017: +4.1% +4.1% 2017
2018: +7.4% +7.4% 2018
2019: +5.7% +5.7% 2019
2020: +5.7% +5.7% 2020
2021: +12.2% +12.2% 2021
2022: +17.9% +17.9% 2022
2023: +10.0% +10.0% 2023
2024: +2.6% +2.6% 2024
2025: +8.3% +8.3% 2025
Change in FHFA’s price index in Clinton County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+8.3%
+4.8%
+2.9%
5 years (2020–2025)
+62%
+53%
+47%
10 years (2015–2025)
+112%
+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
Wilmington next to Clinton 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
Wilmington$174,400
Clinton$211,900
Ohio$214,800
United States$332,700
Typical monthly rent
Wilmington$909
Clinton$910
Ohio$1,034
United States$1,413
Typical yearly household income
Wilmington$57,199
Clinton$70,407
Ohio$71,389
United States$80,734
See the full table
Wilmington next to Clinton County and Ohio
Measure
Wilmington
Clinton County
Ohio
U.S.
Typical home value
$174,400 ▼18% below the county
$211,900
$214,800
$332,700
Typical monthly rent
$909
$910
$1,034
$1,413
Typical yearly household income
$57,199 ▼19% below the county
$70,407
$71,389
$80,734
Households that own their home
58% ▼14 points below the county
72%
67%
65%
Typical yearly property tax
$1,769 ▼10% below the county
$1,962
$2,822
$3,119
Effective property tax rate
1.01% ▲0.08 points above the county
0.93%
1.31%
0.94%
Renters with high rent for their income
44% ▲5 points above the county
39%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Clinton 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 Wilmington
For a typical $174,400 home in Wilmington, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wilmington's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,457a month
Least cash to close
Down payment
$6,104
Cash to close
$11,336
Rate
7.18%
Mortgage insurance
FHA MIP · $77
Conventional, 5% down$1,425a month
Down payment
$8,720
Cash to close
$13,952
Rate
7.18%
Mortgage insurance
PMI · $83
Conventional, 20% down, no PMI$1,165a month
Down payment
$34,880
Cash to close
$40,112
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,326a month
Down payment
$26,160
Cash to close
$31,392
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Wilmington
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,457
$6,104
$171,241
7.18%
FHA MIP · $77
$11,336
580
Conventional, 5% down
$1,425
$8,720
$165,680
7.18%
PMI · $83
$13,952
620*
Conventional, 20% down, no PMI
$1,165
$34,880
$139,520
7.18%
None
$40,112
620*
ITIN, 15% down (example)
$1,326
$26,160
$148,240
8.18%
None
$31,392
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 Wilmington is $909 a month: about the same as the county. In Wilmington, 44% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Clinton County, by unit size. To pay the 2-bedroom one ($1,071 a month) without spending more than 30% of your income, you would need to earn $20.60 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 Clinton County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$809
$15.56
$32,360
1 bedroom
$843
$16.21
$33,720
2 bedrooms
$1,071
$20.60
$42,840
3 bedrooms
$1,386
$26.65
$55,440
4 bedrooms
$1,694
$32.58
$67,760
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 Wilmington
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wilmington is in ZIP code 45177.
For 2 bedrooms it is $1,090: $19 more than the fair market rent for Clinton County ($1,071).
Fair market rent by ZIP code and size in Wilmington, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
45177
$820
$860
$1,090
$1,410
$1,720
ZIP code2 bd3 bd
45177 $1,090$1,410
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Wilmington 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 Clinton 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 Wilmington or Clinton County. The ones below are statewide in Ohio: they work in Wilmington 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 Wilmington or Clinton 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 Wilmington and all of Clinton 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 Wilmington?
The typical home value in Wilmington is $174,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Clinton County it is $211,900.
How much does it cost to rent in Wilmington?
Typical rent in Wilmington is $909 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Clinton County is $1,071.
What is the FHA loan limit in Wilmington?
Wilmington uses the FHA limit for all of Clinton 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 Wilmington?
The typical homeowner in Wilmington pays $1,769 a year, according to the U.S. Census Bureau. That is 1.01% of the home’s value; in Clinton County, the rate is 0.93%.
Where can I find free help to buy or rent in Wilmington?
We found no HUD-approved counseling agencies with an office in Clinton County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
