Español

Este sitio también está en español. Leer en español

City · 14,938 residents · Franklin County, Ohio

Worthington , Ohio

In Worthington, a typical home is worth $440,500 and typical rent is $1,232 a month. Compared with all of Franklin County, typical household income is 69% higher, the typical home value is 53% higher, and the share of households that own their home is 30 points higher.

WhatsApp

  • Typical home value

    $440,500

    53% above the county

    105% above Ohio

    • Worthington
    • Franklin
    • Ohio

  • Typical rent

    $1,232a month

    5% below the county

    19% above Ohio

    • Worthington
    • Franklin
    • Ohio

  • Typical household income

    $127,382a year

    69% above the county

    78% above Ohio

    • Worthington
    • Franklin
    • Ohio

  • Households that own their home

    83%

    30 points above the county

    15 points above Ohio

    • Worthington
    • Franklin
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$480,920
4.2% more than 12 months ago
Typical rent
$2,094 a month

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

Worthington 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Worthington apart

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

  1. 83% of households in Worthington own their home, against 53% in Franklin County.

  2. The typical household income in Worthington is $127,382, 69% more than in Franklin County as a whole ($75,176).

  3. The typical home in Worthington is worth $440,500, 53% more than in Franklin County as a whole ($288,400).

  4. Nearby, in Columbus, the typical home value is $252,900: 43% less than in Worthington ($440,500).

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

The homes here

Housing in Worthington

What homes there are in Worthington, 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 houses, standing on their own, make up 79% of homes here, against 52% in Franklin County.

Year built

The typical home in Worthington was built in 1963, 16 years before the typical one in Franklin County.

There is more room for a big family here: 81% of homes have 3 bedrooms or more, against 53% in Franklin County.

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
Monthly rent with utilities

With a mortgage

$2,373 a month

Franklin County: $1,781 a month

Without a mortgage

$1,091 a month

Franklin County: $748 a month

Owners with a mortgage

63%

Franklin County: 70%

The typical cost for an owner with a mortgage in Worthington is $2,373 a month, more than in Franklin County ($1,781); without one, $1,091.

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 Worthington rose 54%; in Franklin County, it rose 65%.

Rents in Worthington rose more slowly than in Franklin County: 20% since 2015–2019, against 34%.

While home values in Worthington changed +54% and rent +20%, the typical household income rose 22%.

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

MeasureWorthingtonFranklin CountyOhioUnited States
Rental vacancy Unreliable estimate3.8%4.4%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room Unreliable estimate2.5%1.5%3.4%
People per household 2.392.362.372.53
Drive alone 72%68%75%69%
Carpool 4%7%8%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 23%19%13%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Franklin County, a household in Worthington has 2.39 people on average.

Working from home is more common in Worthington: 23%, against 19% in Franklin County.

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 Worthington?

A typical home costs more than the typical income allows

We start with a typical home in Worthington, worth $440,500, 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 Worthington, which is $127,382 a year. For that payment to be 28% of income, a household would need to earn about $169,635 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Worthington. 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 $15,418 (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

$3,958

at 7.18% · 30 years

Loan amount
$432,521
Total interest
$622,296
Paid off in
November 2056

Includes $7,439 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,972 a month

  • Tight

    $2,972 to $3,821 a month

  • Hard

    more than $3,821 a month

    Your payment · 37%

Compared with the typical household income in Worthington ($127,382 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,958
Principal & interest$2,930
Property tax$650
Home insurance$184
FHA mortgage insurance (MIP)$195

You need at least $15,418 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

Worthington and Franklin County

Worthington 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).

Worthington's own numbers

Typical home value
$440,500
Typical monthly rent
$1,232
Typical yearly household income
$127,382
Households that own their home
83%
Effective property tax rate
1.77%

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.

Everything about Franklin County

Buying

Buying a home in Worthington

A typical home in Worthington is worth $440,500: 53% above the county and 105% above Ohio. With the typical household income in Worthington ($127,382 a year), a typical home costs 3.5 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.

  • Worthington 3.5 years
  • Franklin 3.8 years
  • Ohio 3.0 years
  • United States 4.1 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.

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

Worthington 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
  • Worthington $440,500
  • Franklin $288,400
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Worthington $1,232
  • Franklin $1,302
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Worthington $127,382
  • Franklin $75,176
  • Ohio $71,389
  • United States $80,734
See the full table
Worthington next to Franklin County and Ohio
Measure Worthington Franklin County Ohio U.S.
Typical home value $440,500 $288,400 $214,800 $332,700
Typical monthly rent $1,232 $1,302 $1,034 $1,413
Typical yearly household income $127,382 $75,176 $71,389 $80,734
Households that own their home 83% 53% 67% 65%
Typical yearly property tax $7,785 $4,244 $2,822 $3,119
Effective property tax rate 1.77% 1.47% 1.31% 0.94%
Renters with high rent for their income 47% 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 Worthington

For a typical $440,500 home in Worthington, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Worthington's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,958a month

    Least cash to close
    Down payment
    $15,418
    Cash to close
    $28,633
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $195

  • Conventional, 5% down $3,877a month

    Down payment
    $22,025
    Cash to close
    $35,240
    Rate
    7.18%
    Mortgage insurance
    PMI · $209

  • Conventional, 20% down, no PMI $3,221a month

    Down payment
    $88,100
    Cash to close
    $101,315
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,628a month

    Down payment
    $66,075
    Cash to close
    $79,290
    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 Worthington and for Franklin County.

Property tax

Effective rate in Worthington

1.77%of the home’s value each year

$7,785 a year for the typical owner in Worthington.

  • Worthington 1.77%
  • Franklin 1.47%
  • 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 Franklin County

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

Homes in the high-risk zone
1.1%
4,209
Of those, with NFIP insurance
17%
County Ohio U.S.
Homes in the high-risk zone 1.1% 1.7% 3.5%
Of those, with NFIP insurance 17% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Worthington

Typical rent in Worthington is $1,232 a month: 5% below the county. In Worthington, 47% 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.

HUD fair market rent for all of Franklin 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 $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 Worthington

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Worthington is in ZIP code 43085.

For 2 bedrooms it is $1,850: $248 more than the fair market rent for Franklin County ($1,602).

  • 43085 $1,850$2,200

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

HUD lists one building with rents for lower incomes in Worthington.

  • Stafford Village 814 Hartford St, Worthington 43085 32 homes, 13 low-income · For older adults (614) 846-2648

See all 338 buildings in Franklin County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Worthington

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Worthington

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

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

  • Nid-Hca Columbus

    4200 Regent St Suite 200, Columbus · 6 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (614) 418-6056

  • Ohio State University Extension

    1960 Kenny Rd, Columbus · 7 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (614) 247-9151

  • Columbus Housing Partnership, Inc, DBA Homeport

    3443 Agler Rd, Columbus · 8 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 9 more
    614-221-8889x4826

Every agency in Franklin County All counseling agencies in Ohio

Help in Spanish near Worthington

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 Worthington

In HUD’s record, no housing authority with an office in Franklin County is named for Worthington or Franklin County.

One other authority has an office in Franklin County: see the list Source: HUD

Cities

Other cities in Franklin County

These cities are also in Franklin County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Franklin County Housing in Ohio
See 5 more cities in Franklin County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Worthington, with the typical home value.

Neighboring counties

If Franklin 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 Worthington.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Worthington

Short answers with the numbers for Worthington 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 Worthington?

The typical home value in Worthington is $440,500, 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 Worthington?

Typical rent in Worthington is $1,232 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 Worthington?

Worthington 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 Worthington?

The typical homeowner in Worthington pays $7,785 a year, according to the U.S. Census Bureau. That is 1.77% of the home’s value; in Franklin County, the rate is 1.47%.

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

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.

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).