In Wooster, a typical home is worth $214,200 and typical rent is $918 a month. Compared with all of Wayne County, typical household income is 9% lower and the share of households that own their home is 11 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $186,779 to $263,113.
Typical rent
$1,475a month
▲ 0.8% more than 12 months ago
Typical rent from Zillow, March 2024 to September 2026: from $1,314 to $1,475.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Wooster is in Wayne 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 Wayne County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Ashland, the typical home value is $157,900: 26% less than in Wooster ($214,200).
2
65% of households in Wooster own their home, against 77% in Wayne County.
3
7% of households in Wooster have no internet at home (13% in Wayne County).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Wooster
What homes there are in Wooster, 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
Wooster
Wayne County
Ohio
United States
Kind of home: Wooster and its comparisons
Measure
Wooster
Wayne County
Ohio
United States
Detached house
61%
76%
69%
61%
Attached house
9%
4%
5%
6%
Building of 2 to 4
10%
8%
8%
8%
Apartments (5 or more)
16%
6%
15%
19%
Mobile home
4%
6%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Wooster (61%), but less so than in Wayne County (76%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Wooster
Wayne County
Ohio
United States
Year built: Wooster and its comparisons
Measure
Wooster
Wayne County
Ohio
United States
Before 1960
36%
31%
38%
26%
1960–1979
25%
27%
26%
24%
1980–1999
20%
24%
20%
25%
2000–2009
12%
11%
10%
14%
2010 or later
7%
7%
7%
11%
By age, homes in Wooster look like those in Wayne County: the typical year built is 1972.
There are fewer big homes in Wooster than in Wayne County: 55% have 3 bedrooms or more, against 70%.
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 $100K11%
$100K–$200K34%
$200K–$300K31%
$300K–$500K20%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Wooster and its comparisons
Measure
Wooster
Under $100K
11%
$100K–$200K
34%
$200K–$300K
31%
$300K–$500K
20%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA limit for Wayne County is high ($541,287): at least 96% of owner-occupied homes in Wooster are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50013%
$500–$99948%
$1,000–$1,49929%
HUD fair market rent, 2 bedrooms: $1,082
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Wooster and its comparisons
Measure
Wooster
Under $500
13%
$500–$999
48%
$1,000–$1,499
29%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Wayne County is $1,082; about 66% of rents in Wooster are below it.
With a mortgage
$1,412 a month
Wayne County: $1,440 a month
Without a mortgage
$595 a month
Wayne County: $561 a month
Owners with a mortgage
56%
Wayne County: 57%
The typical cost for an owner with a mortgage in Wooster is $1,412 a month, near the figure in Wayne County ($1,440).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Wooster+50%
Wayne County+49%
Ohio+47%
United States+53%
Typical rent
Wooster+26%
Wayne County+20%
Ohio+28%
United States+33%
Typical household income
Wooster+40%
Wayne County+26%
Ohio+26%
United States+29%
Change since 2015–2019: Wooster and its comparisons
Measure
Wooster
Wayne County
Ohio
United States
Typical home value
+50%
+49%
+47%
+53%
Typical rent
+26%
+20%
+28%
+33%
Typical household income
+40%
+26%
+26%
+29%
The typical home value in Wooster rose 50% since 2015–2019, about the same as in Wayne County (49%).
The typical rent in Wooster rose 26% over the same time; in Wayne County, it rose 20%.
To compare: typical income in Wooster rose 40%; the home, +50%; the rent, +26%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Wooster and its comparisons
Measure
Wooster
Wayne County
Ohio
United States
Rental vacancy
Unreliable estimate
3.6%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.8%
1.5%
3.4%
People per household
2.11
2.53
2.37
2.53
Drive alone
74%
73%
75%
69%
Carpool
8%
10%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
8%
6%
2%
3%
Work from home
9%
8%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Wooster has 2.11 people, fewer than in Wayne County (2.53).
The car rules in Wooster: 74% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Wooster?
A typical home is tight for the typical income
We start with a typical home in Wooster, worth $214,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Wooster, which is $66,898 a year. For that payment to be 28% of income, a household would need to earn about $78,280 a year.
The calculator's FHA and conventional loan limits are those of all of Wayne 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 Wooster. 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 $7,497 (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
$1,827
at 7.18% · 30 years
Loan amount
$210,320
Total interest
$302,602
Paid off in
November 2056
Includes $3,617 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,561 a month
Tight
$1,561 to $2,007 a month
Your payment · 33%
Hard
more than $2,007 a month
Compared with the typical household income in Wooster ($66,898 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,425
Property tax
$218
Home insurance
$89
FHA mortgage insurance (MIP)
$95
You need at least $7,497 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 $1,827; principal and interest $1,425.
The city and its county
Wooster and Wayne County
Wooster is in Wayne 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).
Wooster
Map of Wayne County, Ohio, with Wooster marked. Around it, the neighboring counties.
Wooster
Wayne County
Other cities with a page
Wooster's own numbers
Typical home value
$214,200
Typical monthly rent
$918
Typical yearly household income
$66,898
Households that own their home
65%
Effective property tax rate
1.22%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Wayne County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,082
Price change over 5 years (FHFA)
+53%
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 Wayne County.
A typical home in Wooster is worth $214,200: 4% below the county and about the same as Ohio. With the typical household income in Wooster ($66,898 a year), a typical home costs 3.2 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.
Wooster3.2 years
Wayne3.0 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Wayne County
According to FHFA’s house price index, home prices in Wayne County rose 90% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Wayne County.
Yearly change in FHFA’s price index in Wayne County, 2016 to 2025
2016: +2.5% +2.5% 2016
2017: +5.0% +5.0% 2017
2018: +5.6% +5.6% 2018
2019: +4.0% +4.0% 2019
2020: +5.1% +5.1% 2020
2021: +10.3% +10.3% 2021
2022: +14.2% +14.2% 2022
2023: +8.7% +8.7% 2023
2024: +6.6% +6.6% 2024
2025: +4.5% +4.5% 2025
Change in FHFA’s price index in Wayne County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+4.5%
+4.8%
+2.9%
5 years (2020–2025)
+53%
+53%
+47%
10 years (2015–2025)
+90%
+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
Wooster next to Wayne 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
Wooster$214,200
Wayne$222,100
Ohio$214,800
United States$332,700
Typical monthly rent
Wooster$918
Wayne$881
Ohio$1,034
United States$1,413
Typical yearly household income
Wooster$66,898
Wayne$73,574
Ohio$71,389
United States$80,734
See the full table
Wooster next to Wayne County and Ohio
Measure
Wooster
Wayne County
Ohio
U.S.
Typical home value
$214,200 ▼4% below the county
$222,100
$214,800
$332,700
Typical monthly rent
$918 ▲4% above the county
$881
$1,034
$1,413
Typical yearly household income
$66,898 ▼9% below the county
$73,574
$71,389
$80,734
Households that own their home
65% ▼11 points below the county
77%
67%
65%
Typical yearly property tax
$2,623
$2,602
$2,822
$3,119
Effective property tax rate
1.22% ▲0.05 points above the county
1.17%
1.31%
0.94%
Renters with high rent for their income
39% ▲5 points above the county
34%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Wayne 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 Wooster
For a typical $214,200 home in Wooster, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Wooster's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,827a month
Least cash to close
Down payment
$7,497
Cash to close
$13,923
Rate
7.18%
Mortgage insurance
FHA MIP · $95
Conventional, 5% down$1,787a month
Down payment
$10,710
Cash to close
$17,136
Rate
7.18%
Mortgage insurance
PMI · $102
Conventional, 20% down, no PMI$1,468a month
Down payment
$42,840
Cash to close
$49,266
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,666a month
Down payment
$32,130
Cash to close
$38,556
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Wooster
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,827
$7,497
$210,320
7.18%
FHA MIP · $95
$13,923
580
Conventional, 5% down
$1,787
$10,710
$203,490
7.18%
PMI · $102
$17,136
620*
Conventional, 20% down, no PMI
$1,468
$42,840
$171,360
7.18%
None
$49,266
620*
ITIN, 15% down (example)
$1,666
$32,130
$182,070
8.18%
None
$38,556
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 Wooster is $918 a month: 4% above the county. In Wooster, 39% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Wayne County, by unit size. To pay the 2-bedroom one ($1,082 a month) without spending more than 30% of your income, you would need to earn $20.81 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 Wayne County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$753
$14.48
$30,120
1 bedroom
$846
$16.27
$33,840
2 bedrooms
$1,082
$20.81
$43,280
3 bedrooms
$1,310
$25.19
$52,400
4 bedrooms
$1,530
$29.42
$61,200
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 Wooster
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Wooster is in ZIP code 44691.
For 2 bedrooms it is $1,130: $48 more than the fair market rent for Wayne County ($1,082).
Fair market rent by ZIP code and size in Wooster, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
44691
$790
$880
$1,130
$1,370
$1,600
ZIP code2 bd3 bd
44691 $1,130$1,370
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Wooster 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)
HUD lists 16 buildings with rents for lower incomes in Wooster. These are the largest.
Hi-Rises200 S Market St, Wooster 44691121 homes, 120 low-income · Run by Wayne Metropolitian Housing Authority · Average payment: $379 a month · Average wait: 5 months(330) 264-2727
Scattered Sites1354 Perkins Ave, Wooster 44691104 low-income homes · Run by Wayne Metropolitian Housing Authority · Average payment: $408 a month · Average wait: 6 months(330) 264-2727
Summit Place Apts1855 Mechanicsburg Rd, Wooster 4469171 low-income homes · 2 bd: 30 · 3 bd: 41 · In service since 1995
Palm House1183 Rebecca St, Wooster 4469162 low-income homes · For families(330) 262-5582
College Hills Retirement Village905 Portage Rd, Wooster 44691141 homes, 60 low-income · For older adults(330) 264-3509
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 Wayne 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 Wooster or Wayne County. The ones below are statewide in Ohio: they work in Wooster 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 Wooster or Wayne 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 Wooster and all of Wayne 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 Wooster?
The typical home value in Wooster is $214,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Wayne County it is $222,100.
How much does it cost to rent in Wooster?
Typical rent in Wooster is $918 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Wayne County is $1,082.
What is the FHA loan limit in Wooster?
Wooster uses the FHA limit for all of Wayne 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 Wooster?
The typical homeowner in Wooster pays $2,623 a year, according to the U.S. Census Bureau. That is 1.22% of the home’s value; in Wayne County, the rate is 1.17%.
Where can I find free help to buy or rent in Wooster?
We found no HUD-approved counseling agencies with an office in Wayne County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
