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City · 25,689 residents · Greene County, Ohio

Xenia , Ohio

In Xenia, a typical home is worth $162,400 and typical rent is $931 a month. Compared with all of Greene County, typical household income is 36% lower, the typical home value is 36% lower, and the share of households that own their home is 7 points lower.

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  • Typical home value

    $162,400

    36% below the county

    24% below Ohio

    • Xenia
    • Greene
    • Ohio

  • Typical rent

    $931a month

    18% below the county

    10% below Ohio

    • Xenia
    • Greene
    • Ohio

  • Typical household income

    $56,029a year

    36% below the county

    22% below Ohio

    • Xenia
    • Greene
    • Ohio

  • Households that own their home

    61%

    7 points below the county

    6 points below Ohio

    • Xenia
    • Greene
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$254,425
4.6% more than 12 months ago
Typical rent
$1,352 a month
1.5% more than 12 months ago

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

Xenia is in Greene 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 Greene County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Xenia apart

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

  1. The typical household income in Xenia is $56,029, 36% less than in Greene County as a whole ($87,309).

  2. The typical home in Xenia is worth $162,400, 36% less than in Greene County as a whole ($252,200).

  3. The typical rent in Xenia is $931 a month, 18% less than in Greene County as a whole ($1,135).

  4. 61% of households in Xenia own their home, against 68% in Greene County.

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

The homes here

Housing in Xenia

What homes there are in Xenia, 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

In Xenia, 8 in 10 homes are single-family detached houses; in Greene County, 7.

Year built

Homes in Xenia are older: the typical year built is 1971; in Greene County, 1976.

There are fewer big homes in Xenia than in Greene County: 65% have 3 bedrooms or more, against 70%.

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

At least 98% of owner-occupied homes in Xenia are worth less than $500,000, below the FHA loan limit for Greene County ($541,287).

Monthly rent with utilities

About 75% of rented homes in Xenia cost less than HUD's 2-bedroom fair market rent for Greene County ($1,248).

With a mortgage

$1,210 a month

Greene County: $1,702 a month

Without a mortgage

$462 a month

Greene County: $700 a month

Owners with a mortgage

65%

Greene County: 64%

In Xenia, 65% of owners have a mortgage, and their typical cost is $1,210 a month, against $1,702 in Greene County. Without one it drops to $462.

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 Xenia rose 62%; in Greene County, it rose 46%.

Rents in Xenia rose at about the same pace as in Greene County: 23% since 2015–2019, against 25%.

While home values in Xenia changed +62% and rent +23%, 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

MeasureXeniaGreene CountyOhioUnited States
Rental vacancy Unreliable estimate4.3%4.4%5.5%
Homeowner vacancy Unreliable estimate0.8%0.8%0.9%
More than one person per room Unreliable estimate1.0%1.5%3.4%
People per household 2.322.382.372.53
Drive alone 85%76%75%69%
Carpool 7%8%8%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 6%13%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Greene County, a household in Xenia has 2.32 people on average.

The car rules in Xenia: 85% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Xenia?

A typical home is tight for the typical income

We start with a typical home in Xenia, worth $162,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Xenia, which is $56,029 a year. For that payment to be 28% of income, a household would need to earn about $59,640 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Xenia. 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 $5,684 (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

$1,392

at 7.18% · 30 years

Loan amount
$159,459
Total interest
$229,423
Paid off in
November 2056

Includes $2,743 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,307 a month

  • Tight

    $1,307 to $1,681 a month

    Your payment · 30%

  • Hard

    more than $1,681 a month

Compared with the typical household income in Xenia ($56,029 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,392
Principal & interest$1,080
Property tax$172
Home insurance$68
FHA mortgage insurance (MIP)$72

You need at least $5,684 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

Xenia and Greene County

Xenia is in Greene 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).

Xenia's own numbers

Typical home value
$162,400
Typical monthly rent
$931
Typical yearly household income
$56,029
Households that own their home
61%
Effective property tax rate
1.27%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Greene County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,248
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
1.2%

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 Greene County.

Everything about Greene County

Buying

Buying a home in Xenia

A typical home in Xenia is worth $162,400: 36% below the county and 24% below Ohio. With the typical household income in Xenia ($56,029 a year), a typical home costs 2.9 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.

  • Xenia 2.9 years
  • Greene 2.9 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Greene County

According to FHFA’s house price index, home prices in Greene County rose 97% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Greene County.

Period County Ohio U.S.
Last year (2025) +3.8% +4.8% +2.9%
5 years (2020–2025) +57% +53% +47%
10 years (2015–2025) +97% +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

Xenia next to Greene 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
  • Xenia $162,400
  • Greene $252,200
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Xenia $931
  • Greene $1,135
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Xenia $56,029
  • Greene $87,309
  • Ohio $71,389
  • United States $80,734
See the full table
Xenia next to Greene County and Ohio
Measure Xenia Greene County Ohio U.S.
Typical home value $162,400 $252,200 $214,800 $332,700
Typical monthly rent $931 $1,135 $1,034 $1,413
Typical yearly household income $56,029 $87,309 $71,389 $80,734
Households that own their home 61% 68% 67% 65%
Typical yearly property tax $2,057 $4,071 $2,822 $3,119
Effective property tax rate 1.27% 1.61% 1.31% 0.94%
Renters with high rent for their income 52% 41% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Greene 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 Xenia

For a typical $162,400 home in Xenia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Xenia's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,392a month

    Least cash to close
    Down payment
    $5,684
    Cash to close
    $10,556
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $72

  • Conventional, 5% down $1,362a month

    Down payment
    $8,120
    Cash to close
    $12,992
    Rate
    7.18%
    Mortgage insurance
    PMI · $77

  • Conventional, 20% down, no PMI $1,120a month

    Down payment
    $32,480
    Cash to close
    $37,352
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,270a month

    Down payment
    $24,360
    Cash to close
    $29,232
    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 Xenia and for Greene County.

Property tax

Effective rate in Xenia

1.27%of the home’s value each year

$2,057 a year for the typical owner in Xenia.

  • Xenia 1.27%
  • Greene 1.61%
  • 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 Greene County

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

Homes in the high-risk zone
1.2%
689
Of those, with NFIP insurance
27%
County Ohio U.S.
Homes in the high-risk zone 1.2% 1.7% 3.5%
Of those, with NFIP insurance 27% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Xenia

Typical rent in Xenia is $931 a month: 18% below the county. In Xenia, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Greene County, by unit size. To pay the 2-bedroom one ($1,248 a month) without spending more than 30% of your income, you would need to earn $24.00 an hour working full time.

HUD fair market rent for all of Greene 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 $909 $17.48 $36,360
1 bedroom $1,008 $19.38 $40,320
2 bedrooms $1,248 $24.00 $49,920
3 bedrooms $1,623 $31.21 $64,920
4 bedrooms $1,774 $34.12 $70,960

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 Xenia

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Xenia is in ZIP code 45385.

For 2 bedrooms it is $1,160: $88 less than the fair market rent for Greene County ($1,248).

  • 45385 $1,160$1,510

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

HUD lists 7 buildings with rents for lower incomes in Xenia. These are the largest.

  • Xenia/Beavercreek 147 N Detroit St, Xenia 45385 145 low-income homes · Run by Greene Metropolitian Housing Authority · Average payment: $440 a month · Average wait: 6 months · Homes at several sites (937) 376-2908
  • John Sale Manor 119 W 2nd St, Xenia 45385 118 homes, 116 low-income · For older adults (937) 372-4143
  • Xenia Towers 282 Xenia Towne Sq, Xenia 45385 100 homes, 99 low-income · For older adults (937) 376-2709
  • Wright Cycle Senior Apts 2224 High Wheel Dr, Xenia 45385 92 homes, 77 low-income · 1 bd: 10 · 2 bd: 82 · In service since 2004 · For older adults
  • Walter G. Sellers Senior Apts. 270 Mount Vernon Dr, Xenia 45385 66 homes, 65 low-income · For older adults (937) 376-7888

See all 25 buildings in Greene County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Xenia

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 is 1 HUD-approved agency with an office in Greene County; 1 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 Xenia

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

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

  • Greenpath Financial Wellness

    2465 Executive Park Blvd, Fairborn · 9 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (866) 234-4767

  • Miami Valley Community Action Partnership

    719 S Main St, Dayton · 14 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 3 more
    (937) 341-5000

  • County Corp

    130 W 2nd St, Dayton · 15 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    (937) 853-1600

Every agency in Greene County All counseling agencies in Ohio

Help in Spanish near Xenia

1 of the 3 agencies on this list says it serves 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 Xenia

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

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

Cities

Other cities in Greene County

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

Everything about Greene County Housing in Ohio

Nearby cities

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

Neighboring counties

If Greene 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 Xenia.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Xenia

Short answers with the numbers for Xenia and all of Greene 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 Xenia?

The typical home value in Xenia is $162,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Greene County it is $252,200.

How much does it cost to rent in Xenia?

Typical rent in Xenia is $931 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Greene County is $1,248.

What is the FHA loan limit in Xenia?

Xenia uses the FHA limit for all of Greene 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 Xenia?

The typical homeowner in Xenia pays $2,057 a year, according to the U.S. Census Bureau. That is 1.27% of the home’s value; in Greene County, the rate is 1.61%.

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

There is 1 HUD-approved counseling agency with an office in Greene County. 1 says it serves in Spanish. 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).