Housing affordability index in Ohio

Housing affordability index in Ohio: puts one number on the housing question: 17.4% of the state's median household income goes to principal and interest on a median-priced home at today's rate.

30-year fixed rate used: 6.76% (observed 2026-09-10, FRED MORTGAGE30US).

Share of income

17.4%

principal + interest

Monthly payment

$988

on a $190,212 home

Median income

$68,157

households, ACS 5-year

Housing affordability index in Ohio: counties ranked, least affordable first
RankCountyShare of incomeMonthly P&I
1Franklin County21.3%$1,263
2Holmes County21%$1,277
3Athens County20.7%$840
4Pickaway County20.3%$1,142
5Delaware County19.8%$2,041
6Adams County18.7%$720
7Hamilton County18.7%$1,065
8Fairfield County18.6%$1,287
9Geauga County18.5%$1,496
10Licking County18.4%$1,206
11Butler County18.1%$1,165
12Wood County18%$1,056
13Lorain County17.8%$997
14Portage County17.6%$1,024
15Warren County17.6%$1,511
16Clermont County17.6%$1,168
17Cuyahoga County17.5%$876
18Hocking County17.3%$852
19Knox County17.3%$1,025
20Medina County17.3%$1,297
21Washington County17.3%$852
22Muskingum County17.1%$811
23Greene County17.1%$1,155
24Union County16.9%$1,469
25Guernsey County16.9%$757
26Wayne County16.8%$986
27Clinton County16.8%$898
28Hancock County16.7%$933
29Miami County16.7%$992
30Noble County16.6%$714
31Summit County16.6%$948
32Fayette County16.6%$786
33Ross County16.5%$797
34Scioto County16.5%$638
35Tuscarawas County16.5%$850
36Mercer County16.4%$1,001
37Morrow County16.4%$965
38Ashland County16.4%$850
39Carroll County16.4%$818
40Madison County16.3%$1,045
41Stark County16.3%$857
42Darke County16.3%$820
43Erie County16.2%$880
44Ottawa County16.1%$930
45Pike County16.1%$682
46Ashtabula County16.1%$722
47Perry County16%$838
48Lucas County15.7%$749
49Montgomery County15.5%$801
50Richland County15.5%$730
51Allen County15.5%$764
52Lake County15.4%$985
53Lawrence County15.4%$664
54Marion County15.4%$706
55Brown County15.4%$854
56Coshocton County15.4%$668
57Clark County15.3%$753
58Logan County15.2%$874
59Mahoning County15.2%$686
60Highland County15.1%$760
61Vinton County15.1%$641
62Gallia County15%$696
63Preble County14.9%$824
64Morgan County14.8%$630
65Shelby County14.8%$905
66Champaign County14.8%$867
67Huron County14.7%$787
68Sandusky County14.6%$739
69Belmont County14.3%$676
70Fulton County14.2%$847
71Jackson County14.1%$662
72Meigs County14.1%$542
73Trumbull County14.1%$631
74Hardin County14%$652
75Wyandot County14%$801
76Columbiana County14%$646
77Auglaize County13.9%$874
78Crawford County13.9%$608
79Monroe County13.8%$638
80Putnam County13.8%$915
81Henry County13.7%$818
82Jefferson County13.5%$598
83Williams County13.5%$681
84Defiance County13.3%$767
85Harrison County13%$584
86Seneca County12.8%$665
87Van Wert County12.4%$672
88Paulding County11.7%$635

Methodology

Every county figure for Ohio uses the county's own median home value and median household income from the Census American Community Survey 5-year estimates, a 20% deposit, and the current 30-year fixed rate from FRED (MORTGAGE30US) amortised over 30 years.

The share shown is annualised principal and interest divided by median household income. Property tax, insurance and HOA dues are excluded so the comparison between counties stays like-for-like.

Counties without both a published home value and a published income are left out entirely rather than filled with an estimate, so the table is shorter than the county list in some states.

Sources: FRED series MORTGAGE30US, Freddie Mac Primary Mortgage Market Survey; U.S. Census Bureau, American Community Survey 5-year estimates. American Community Survey 5-year estimates, 2022.