In Zanesville, a typical home is worth $123,700 and typical rent is $821 a month. Compared with all of Muskingum County, the typical home value is 32% lower, typical household income is 29% lower, and the share of households that own their home is 24 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $153,927 to $202,411.
Typical rent
$1,075a month
▲ 1.1% more than 12 months ago
Typical rent from Zillow, September 2023 to September 2026: from $921 to $1,075.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Zanesville is in Muskingum 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 Muskingum County. See the county
What this place has that others do not, from public data, most unusual first.
1
44% of households in Zanesville own their home, against 68% in Muskingum County.
2
The typical home in Zanesville is worth $123,700,32% less than in Muskingum County as a whole ($182,200).
3
Zanesville has the 15th lowest typical household income of the 292 cities in Ohio with more than 5,000 people ($43,280).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Zanesville
What homes there are in Zanesville, 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
Zanesville
Muskingum County
Ohio
United States
Kind of home: Zanesville and its comparisons
Measure
Zanesville
Muskingum County
Ohio
United States
Detached house
61%
74%
69%
61%
Attached house
3%
2%
5%
6%
Building of 2 to 4
16%
8%
8%
8%
Apartments (5 or more)
19%
8%
15%
19%
Mobile home
Unreliable estimate
9%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Zanesville, but it weighs less than in Muskingum County: 61% against 74%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Zanesville
Muskingum County
Ohio
United States
Year built: Zanesville and its comparisons
Measure
Zanesville
Muskingum County
Ohio
United States
Before 1960
60%
37%
38%
26%
1960–1979
16%
24%
26%
24%
1980–1999
15%
22%
20%
25%
2000–2009
8%
12%
10%
14%
2010 or later
Unreliable estimate
5%
7%
11%
In Zanesville, half of the homes were built before 1950; in Muskingum County, before 1972.
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 $100K37%
$100K–$200K43%
$200K–$300K12%
$300K–$500K7%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Zanesville and its comparisons
Measure
Zanesville
Under $100K
37%
$100K–$200K
43%
$200K–$300K
12%
$300K–$500K
7%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA limit for Muskingum County is high ($541,287): at least 98% of owner-occupied homes in Zanesville are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50018%
$500–$99948%
$1,000–$1,49926%
HUD fair market rent, 2 bedrooms: $1,003
$1,500–$1,9994%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Zanesville and its comparisons
Measure
Zanesville
Under $500
18%
$500–$999
48%
$1,000–$1,499
26%
$1,500–$1,999
4%
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
By rent, most homes in Zanesville cost less than HUD's 2-bedroom fair market rent ($1,003): about 67%.
With a mortgage
$1,051 a month
Muskingum County: $1,300 a month
Without a mortgage
$463 a month
Muskingum County: $489 a month
Owners with a mortgage
60%
Muskingum County: 59%
The typical cost for an owner with a mortgage in Zanesville is $1,051 a month, less than in Muskingum County ($1,300); without one, $463.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Zanesville+55%
Muskingum County+52%
Ohio+47%
United States+53%
Typical rent
Zanesville+14%
Muskingum County+19%
Ohio+28%
United States+33%
Typical household income
Zanesville+43%
Muskingum County+29%
Ohio+26%
United States+29%
Change since 2015–2019: Zanesville and its comparisons
Measure
Zanesville
Muskingum County
Ohio
United States
Typical home value
+55%
+52%
+47%
+53%
Typical rent
+14%
+19%
+28%
+33%
Typical household income
+43%
+29%
+26%
+29%
The typical home value in Zanesville rose 55% since 2015–2019, more than in Muskingum County (52%).
Since 2015–2019, the typical rent in Zanesville rose 14%, less than in Muskingum County (19%).
While home values in Zanesville changed +55% and rent +14%, the typical household income rose 43%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Zanesville and its comparisons
Measure
Zanesville
Muskingum County
Ohio
United States
Rental vacancy
4.2%
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
2.28
2.46
2.37
2.53
Drive alone
80%
82%
75%
69%
Carpool
13%
9%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
4%
6%
13%
15%
Other means
Unreliable estimate
Unreliable estimate
1%
2%
Typical commute
10 to 19 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
In Zanesville, the rental vacancy rate is 4.2%, about the same as in Muskingum County.
Fewer people live in each home here: 2.28 on average, against 2.46 in Muskingum County.
In Zanesville, 13% of workers share a car to get to work; in Muskingum County, 9%.
Do the math
What would you pay each month for a home in Zanesville?
A typical home is tight for the typical income
We start with a typical home in Zanesville, worth $123,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Zanesville, which is $43,280 a year. For that payment to be 28% of income, a household would need to earn about $44,014 a year.
The calculator's FHA and conventional loan limits are those of all of Muskingum 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 Zanesville. 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 $4,330 (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
$1,027
at 7.18% · 30 years
Loan amount
$121,459
Total interest
$174,751
Paid off in
November 2056
Includes $2,089 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,010 a month
Tight
$1,010 to $1,298 a month
Your payment · 28%
Hard
more than $1,298 a month
Compared with the typical household income in Zanesville ($43,280 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$823
Property tax
$98
Home insurance
$52
FHA mortgage insurance (MIP)
$55
You need at least $4,330 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 $1,027; principal and interest $823.
The city and its county
Zanesville and Muskingum County
Zanesville is in Muskingum 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).
Zanesville
Map of Muskingum County, Ohio, with Zanesville marked. Around it, the neighboring counties.
Zanesville
Muskingum County
Other cities with a page
Zanesville's own numbers
Typical home value
$123,700
Typical monthly rent
$821
Typical yearly household income
$43,280
Households that own their home
44%
Effective property tax rate
0.95%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Muskingum 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)
+59%
Homes in a high flood-risk zone
1.9%
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 Muskingum County.
A typical home in Zanesville is worth $123,700: 32% below the county and 42% below Ohio. With the typical household income in Zanesville ($43,280 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.
Zanesville2.9 years
Muskingum3.0 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Muskingum County
According to FHFA’s house price index, home prices in Muskingum County rose 95% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Muskingum County.
Yearly change in FHFA’s price index in Muskingum County, 2016 to 2025
2016: +2.4% +2.4% 2016
2017: +3.0% +3.0% 2017
2018: +6.8% +6.8% 2018
2019: +4.8% +4.8% 2019
2020: +4.2% +4.2% 2020
2021: +12.2% +12.2% 2021
2022: +16.3% +16.3% 2022
2023: +7.3% +7.3% 2023
2024: +5.7% +5.7% 2024
2025: +7.4% +7.4% 2025
Change in FHFA’s price index in Muskingum County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+7.4%
+4.8%
+2.9%
5 years (2020–2025)
+59%
+53%
+47%
10 years (2015–2025)
+95%
+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
Zanesville next to Muskingum 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
Zanesville$123,700
Muskingum$182,200
Ohio$214,800
United States$332,700
Typical monthly rent
Zanesville$821
Muskingum$833
Ohio$1,034
United States$1,413
Typical yearly household income
Zanesville$43,280
Muskingum$60,780
Ohio$71,389
United States$80,734
See the full table
Zanesville next to Muskingum County and Ohio
Measure
Zanesville
Muskingum County
Ohio
U.S.
Typical home value
$123,700 ▼32% below the county
$182,200
$214,800
$332,700
Typical monthly rent
$821
$833
$1,034
$1,413
Typical yearly household income
$43,280 ▼29% below the county
$60,780
$71,389
$80,734
Households that own their home
44% ▼24 points below the county
68%
67%
65%
Typical yearly property tax
$1,170 ▼29% below the county
$1,649
$2,822
$3,119
Effective property tax rate
0.95% ▲0.04 points above the county
0.91%
1.31%
0.94%
Renters with high rent for their income
51% ▲5 points above the county
46%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Muskingum 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 Zanesville
For a typical $123,700 home in Zanesville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Zanesville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,027a month
Least cash to close
Down payment
$4,330
Cash to close
$8,041
Rate
7.18%
Mortgage insurance
FHA MIP · $55
Conventional, 5% down$1,004a month
Down payment
$6,185
Cash to close
$9,896
Rate
7.18%
Mortgage insurance
PMI · $59
Conventional, 20% down, no PMI$820a month
Down payment
$24,740
Cash to close
$28,451
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$934a month
Down payment
$18,555
Cash to close
$22,266
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Zanesville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,027
$4,330
$121,459
7.18%
FHA MIP · $55
$8,041
580
Conventional, 5% down
$1,004
$6,185
$117,515
7.18%
PMI · $59
$9,896
620*
Conventional, 20% down, no PMI
$820
$24,740
$98,960
7.18%
None
$28,451
620*
ITIN, 15% down (example)
$934
$18,555
$105,145
8.18%
None
$22,266
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 Zanesville is $821 a month: about the same as the county. In Zanesville, 51% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Muskingum 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Muskingum County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$862
$16.58
$34,480
1 bedroom
$867
$16.67
$34,680
2 bedrooms
$1,003
$19.29
$40,120
3 bedrooms
$1,355
$26.06
$54,200
4 bedrooms
$1,496
$28.77
$59,840
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 Zanesville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Zanesville is in ZIP code 43701.
For 2 bedrooms it is $1,040: $37 more than the fair market rent for Muskingum County ($1,003).
Fair market rent by ZIP code and size in Zanesville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
43701
$890
$900
$1,040
$1,400
$1,550
ZIP code2 bd3 bd
43701 $1,040$1,400
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Zanesville 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 25 buildings with rents for lower incomes in Zanesville. These are the largest.
Coopermill Manor345 Indiana St, Zanesville 43701324 low-income homes · Studio: 9 · 1 bd: 114 · 2 bd: 163 · 3 bd: 38 · In service since 2015
Coopermill Manor407 Pershing Rd, Zanesville 43701324 low-income homes · For families(740) 454-9714
Leased Housing1271 Race Cir, Zanesville 43701250 low-income homes · Run by Zanesville Metropolitan Housing Authority · Average payment: $534 a month · Average wait: 3 months · Homes at several sites(740) 454-8566
Mapleview Terrace1356 Athena Ln, Zanesville 43701102 low-income homes · For older adults(740) 453-7119
Mapleview Terrace II1512 Venus Pl, Zanesville 43701102 low-income homes · For older adults(740) 453-7119
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 Muskingum 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 Zanesville or Muskingum County. The ones below are statewide in Ohio: they work in Zanesville 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 Zanesville or Muskingum 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 Zanesville and all of Muskingum 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 Zanesville?
The typical home value in Zanesville is $123,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Muskingum County it is $182,200.
How much does it cost to rent in Zanesville?
Typical rent in Zanesville is $821 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Muskingum County is $1,003.
What is the FHA loan limit in Zanesville?
Zanesville uses the FHA limit for all of Muskingum 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 Zanesville?
The typical homeowner in Zanesville pays $1,170 a year, according to the U.S. Census Bureau. That is 0.95% of the home’s value; in Muskingum County, the rate is 0.91%.
Where can I find free help to buy or rent in Zanesville?
We found no HUD-approved counseling agencies with an office in Muskingum County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
