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City · 59,331 residents · Mahoning County, Ohio

Youngstown , Ohio

In Youngstown, a typical home is worth $63,300 and typical rent is $728 a month. Compared with all of Mahoning County, the typical home value is 59% lower, typical household income is 40% lower, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $63,300

    59% below the county

    71% below Ohio

    • Youngstown
    • Mahoning
    • Ohio

  • Typical rent

    $728a month

    8% below the county

    30% below Ohio

    • Youngstown
    • Mahoning
    • Ohio

  • Typical household income

    $34,408a year

    40% below the county

    52% below Ohio

    • Youngstown
    • Mahoning
    • Ohio

  • Households that own their home

    56%

    14 points below the county

    11 points below Ohio

    • Youngstown
    • Mahoning
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$70,275
6% more than 12 months ago
Typical rent
$1,075 a month
9.8% more than 12 months ago

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

Youngstown is in Mahoning 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 Mahoning County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Youngstown apart

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

  1. Youngstown has the lowest typical home value of the 292 cities in Ohio with more than 5,000 people: $63,300.

  2. Youngstown has the 3rd lowest typical household income of the 292 cities in Ohio with more than 5,000 people ($34,408).

  3. Youngstown has the 7th lowest typical rent of the 285 cities in Ohio with more than 5,000 people ($728).

  4. 56% of households in Youngstown own their home, against 70% in Mahoning County.

  5. Youngstown has the 24th largest share of rent-burdened renters of the 253 cities in Ohio with more than 5,000 people (57%).

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

The homes here

Housing in Youngstown

What homes there are in Youngstown, 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

The detached house is the most common home in Youngstown: 79% of homes, near the figure in Mahoning County (77%).

Year built

Homes in Youngstown are older: the typical year built is 1950; in Mahoning County, 1963.

There are fewer big homes in Youngstown than in Mahoning County: 62% have 3 bedrooms or more, against 66%.

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

HUD's 2-bedroom fair market rent (FMR) for Mahoning County is $1,003; about 78% of rents in Youngstown are below it.

With a mortgage

$916 a month

Mahoning County: $1,236 a month

Without a mortgage

$379 a month

Mahoning County: $500 a month

Owners with a mortgage

39%

Mahoning County: 53%

In Youngstown, 39% of owners have a mortgage, and their typical cost is $916 a month, against $1,236 in Mahoning County. Without one it drops to $379.

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

The typical home value in Youngstown rose 41% since 2015–2019, less than in Mahoning County (47%).

The typical rent in Youngstown rose 10% over the same time; in Mahoning County, it rose 16%.

The typical household income in Youngstown rose 19% over that time; home values changed +41% and rent +10%.

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

MeasureYoungstownMahoning CountyOhioUnited States
Rental vacancy 5.3%4.7%4.4%5.5%
Homeowner vacancy Unreliable estimate1.1%0.8%0.9%
More than one person per room 0.9%0.8%1.5%3.4%
People per household 2.212.252.372.53
Drive alone 74%79%75%69%
Carpool 9%7%8%9%
Public transit 4%1%1%3%
Walk or bike 4%2%2%3%
Work from home 7%10%13%15%
Other means 2%1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Mahoning County, the rental vacancy rate in Youngstown is 5.3%.

In Youngstown, 0.9% of households live with more than one person per room, about the same as in Mahoning County.

By size, households in Youngstown look like those in Mahoning County: 2.21 people on average.

To get to work, 74% of workers in Youngstown drive alone; in Mahoning County, 79%.

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 Youngstown?

A typical home is within reach of the typical income

We start with a typical home in Youngstown, worth $63,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 19% of the typical household income in Youngstown, which is $34,408 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Youngstown. 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 $2,216 (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

$543

at 7.18% · 30 years

Loan amount
$62,153
Total interest
$89,424
Paid off in
November 2056

Includes $1,069 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $803 a month

    Your payment · 19%

  • Tight

    $803 to $1,032 a month

  • Hard

    more than $1,032 a month

Compared with the typical household income in Youngstown ($34,408 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$543
Principal & interest$421
Property tax$68
Home insurance$26
FHA mortgage insurance (MIP)$28

You need at least $2,216 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

Youngstown and Mahoning County

Youngstown is in Mahoning 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).

Youngstown's own numbers

Typical home value
$63,300
Typical monthly rent
$728
Typical yearly household income
$34,408
Households that own their home
56%
Effective property tax rate
1.28%

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

Numbers for all of Mahoning 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)
+61%
Homes in a high flood-risk zone
0.1%

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 Mahoning County.

Everything about Mahoning County

Buying

Buying a home in Youngstown

A typical home in Youngstown is worth $63,300: 59% below the county and 71% below Ohio. With the typical household income in Youngstown ($34,408 a year), a typical home costs 1.8 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.

  • Youngstown 1.8 years
  • Mahoning 2.7 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Mahoning County

According to FHFA’s house price index, home prices in Mahoning County rose 92% in the 10 years through 2025.

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

Period County Ohio U.S.
Last year (2025) +6.3% +4.8% +2.9%
5 years (2020–2025) +61% +53% +47%
10 years (2015–2025) +92% +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

Youngstown next to Mahoning 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
  • Youngstown $63,300
  • Mahoning $154,700
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Youngstown $728
  • Mahoning $791
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Youngstown $34,408
  • Mahoning $56,942
  • Ohio $71,389
  • United States $80,734
See the full table
Youngstown next to Mahoning County and Ohio
Measure Youngstown Mahoning County Ohio U.S.
Typical home value $63,300 $154,700 $214,800 $332,700
Typical monthly rent $728 $791 $1,034 $1,413
Typical yearly household income $34,408 $56,942 $71,389 $80,734
Households that own their home 56% 70% 67% 65%
Typical yearly property tax $811 $2,015 $2,822 $3,119
Effective property tax rate 1.28% 1.3% 1.31% 0.94%
Renters with high rent for their income 57% 50% 46% 51%

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

For a typical $63,300 home in Youngstown, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Youngstown's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $543a month

    Least cash to close
    Down payment
    $2,216
    Cash to close
    $4,115
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $28

  • Conventional, 5% down $531a month

    Down payment
    $3,165
    Cash to close
    $5,064
    Rate
    7.18%
    Mortgage insurance
    PMI · $30

  • Conventional, 20% down, no PMI $437a month

    Down payment
    $12,660
    Cash to close
    $14,559
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $495a month

    Down payment
    $9,495
    Cash to close
    $11,394
    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 Youngstown and for Mahoning County.

Property tax

Effective rate in Youngstown

1.28%of the home’s value each year

$811 a year for the typical owner in Youngstown.

  • Youngstown 1.28%
  • Mahoning 1.3%
  • 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 Mahoning County

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

Homes in the high-risk zone
0.1%
71
Of those, with NFIP insurance
44%
County Ohio U.S.
Homes in the high-risk zone 0.1% 1.7% 3.5%
Of those, with NFIP insurance 44% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Youngstown

Typical rent in Youngstown is $728 a month: 8% below the county. In Youngstown, 57% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Mahoning 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.

HUD fair market rent for all of Mahoning 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 $755 $14.52 $30,200
1 bedroom $801 $15.40 $32,040
2 bedrooms $1,003 $19.29 $40,120
3 bedrooms $1,295 $24.90 $51,800
4 bedrooms $1,374 $26.42 $54,960

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 Youngstown

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Youngstown has 10 ZIP codes with their own.

For 2 bedrooms it runs from $1,000 in 44503 to $1,130 in 44502.

5 of the 10 are above the fair market rent for Mahoning County ($1,003).

  • 44502 $1,130$1,460
  • 44503 $1,000$1,300
  • 44504 $1,000$1,300
  • 44505 $1,000$1,300
  • 44506 $1,000$1,300
  • 44507 $1,030$1,330
  • 44509 $1,020$1,320
  • 44510 $1,000$1,300
  • 44511 $1,010$1,300
  • 44555 $1,090$1,420

3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Youngstown 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 Youngstown

HUD lists 56 buildings with rents for lower incomes in Youngstown. These are the largest.

  • Rockford Village 1314 Dogwood Ln, Youngstown 44505 299 homes, 285 low-income · Run by Youngstown Metropolitan Housing Authority · Average payment: $231 a month · Average wait: 32 months · Homes at several sites (330) 744-2161
  • Norton Manor 110 E Wood St, Youngstown 44503 282 homes, 248 low-income · Run by Youngstown Metropolitan Housing Authority · Average payment: $300 a month · Average wait: 17 months (330) 744-2161
  • Brier Hill Annex 131 W Boardman St, Youngstown 44503 233 homes, 227 low-income · Run by Youngstown Metropolitan Housing Authority · Average payment: $289 a month · Average wait: 36 months · Homes at several sites (330) 744-2161
  • International Towers 25 Market St, Youngstown 44503 173 low-income homes · 1 bd: 173 · In service since 2016 · For older adults (330) 747-9300
  • Eastwood Village 1042 Eastway Dr, Youngstown 44505 154 homes, 152 low-income · 1 bd: 43 · 2 bd: 111 · In service since 1997 · For older adults

See all 73 buildings in Mahoning County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Youngstown

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 2 HUD-approved agencies with an office in Mahoning County; 1 says it serves in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Youngstown

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

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

  • Catholic Charities Regional Agency

    319 W Rayen Ave, Youngstown · 1 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (330) 744-3320

  • Youngstown Neighborhood Development Corp.

    820 Canfield Rd, Youngstown · 3 miles away

    • Pre-purchase counseling
    • Homebuyer education workshops
    (330) 480-0423

  • Apprisen - Warren

    1601 Motor Inn Dr, Girard · 4 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (800) 355-2227

Every agency in Mahoning County All counseling agencies in Ohio

Help in Spanish near Youngstown

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 Youngstown

HUD’s record names them for Youngstown or Mahoning County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Youngstown Metropolitan Housing Authority Public housing and Section 8 vouchers (330) 744-2161

All housing agencies in Ohio Source: HUD

Cities

Other cities in Mahoning County

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

Everything about Mahoning County Housing in Ohio

Nearby cities

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

Neighboring counties

If Mahoning 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 Youngstown.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Youngstown

Short answers with the numbers for Youngstown and all of Mahoning 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 Youngstown?

The typical home value in Youngstown is $63,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Mahoning County it is $154,700.

How much does it cost to rent in Youngstown?

Typical rent in Youngstown is $728 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Mahoning County is $1,003.

What is the FHA loan limit in Youngstown?

Youngstown uses the FHA limit for all of Mahoning 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 Youngstown?

The typical homeowner in Youngstown pays $811 a year, according to the U.S. Census Bureau. That is 1.28% of the home’s value; in Mahoning County, the rate is 1.3%.

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

There are 2 HUD-approved counseling agencies with an office in Mahoning 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).