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Sarah Mitchell

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Compass Real Estate · Ohio

“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”

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Ohio housing market

The typical home in Ohio is worth $248,803, up 3.4% over the past year. Homes that actually closed went for a median of $282,600 after 36 days on market. On supply, pricing discipline, and speed of sale, Ohio currently reads as a seller's market at 2.4 months of supply. At today's 7.03% 30-year fixed rate, that typical home costs $1,328 a month in principal and interest with 20.0% down.

Sources: Zillow, August 2026 · Refreshes monthly · Redfin, through May 2026 · Freddie Mac via FRED, September 2026

Ohio housing market at a glance

Every tile carries the provider and the month it was published

Typical home value

$248,803

+3.4% YoY · Zillow, August 2026

Median sale price

$282,600

Redfin, through May 2026

Typical asking rent

$1,452/mo

Median of 122 cities · Zillow, August 2026

30-yr fixed rate

7.03%

Freddie Mac via FRED, September 2026

Monthly P&I

$1,328

20.0% down, 30-yr fixed

Days on market

+1 days YoY

Active listings

29,324

+2.6% YoY

Median household income

$69,680

U.S. Census ACS, 2023

Typical home value is Zillow's ZHVI — the value of a typical home across the whole housing stock, not just the homes that sold. Median sale price is what actually closed. Redfin stopped publishing public market trackers in June 2026; latest available period is May 2026.

Where Ohio home prices are heading

Ohio's typical home value is $248,803, up 3.4% over 12 months. The two-year number matters more than the one-year number: it spans a full rate cycle rather than a single seasonal swing. Values are at or within a rounding error of their two-year high.

Against the national picture, Ohio runs 32.5% below the U.S. typical home value of $368,697, and its 12-month move of +3.4% is outpacing the national pace of +1.2%.

What would have to change for Ohio prices to fall. Prices fall when supply outruns demand for long enough that sellers compete on price rather than waiting. Ohio is carrying 2.4 months of supply — below the four-month line, so inventory would have to roughly double before sellers lose pricing power. Active listings are +2.6% year over year and new listings +0.3%, which is close to flat. The other lever is the rate. At 7.03%, existing owners with cheaper mortgages have little reason to list, which is what has kept supply artificially low across most of the country. A sustained move down in rates unlocks those sellers and adds inventory; it also adds buyers. Which side moves first decides the direction.

Market trends

Statewide monthly series · Redfin, through May 2026 · No longer updating · Redfin stopped publishing public market trackers in June 2026; latest available period is May 2026.

What it costs to buy in Ohio at today's rate

Down payment

$49,761

20.0% of value

Loan amount

$199,043

30-yr fixed

Monthly P&I

$1,328

at 7.03%

Income needed

$56,914

28.0% front-end ratio

A buyer purchasing the typical Ohio home at $248,803 puts $49,761 down, finances $199,043, and pays $1,328 a month in principal and interest. Property taxes, homeowners insurance, HOA dues, and mortgage insurance sit on top of that and vary by county — budget for them separately rather than assuming the P&I figure is the payment.

Lenders typically want principal and interest under 28.0% of gross income, which puts the qualifying income for that purchase at roughly $56,914. Ohio's median household earns $69,680 (Census ACS 2023) — a gap of $12,766 below what the median household brings in. Put differently, the median household would spend 22.9% of gross income on principal and interest alone — inside the ratio most lenders underwrite to.

The value-to-income ratio in Ohio is 3.6x. Between roughly 3.5x and 5x, prices are ahead of local earnings but still within reach for higher-earning households. Model your own numbers in the affordability calculator or the mortgage calculator.

Figures are illustrative, not a quote or a pre-approval. Rate: Freddie Mac via FRED, September 2026 · Value: Zillow, August 2026 · Income: U.S. Census ACS, 2023

Buying in Ohio in the next 12 months?

Tell us your timeline. We send the Ohio market brief: the price ranges that are actually clearing, the cities where your budget goes furthest, and what to fix on your credit before you apply.

Rent or buy in Ohio?

Zillow publishes its rent index per city rather than per state, so the honest statewide read is the median across the 122 largest Ohio cities that carry it: $1,452 a month. Set against a typical home value of $248,803, that is a price-to-rent ratio of 14.3x.

Under 15x, buying tends to beat renting for anyone staying more than a few years — the rent you avoid does more work than the capital you tie up. Principal and interest on the typical home runs $124 less per month than that typical rent — and that is before taxes, insurance, and the roughly 1% of value a year most owners spend on maintenance.

For a second read on the same question, the Census ACS puts median gross rent across all Ohio households — every unit type, not just what is currently listed — at $988 a month (2023), with 67.0% of Ohio households owning rather than renting. Asking rents lead the ACS figure because they reflect today's new leases rather than the whole stock of existing ones.

Run the rent-vs-buy calculator with your own holding period and down payment — the statewide ratio is a starting point, not an answer.

Supply: what is on the market in Ohio

Ohio inventory, new listings, sales, and supply, latest month versus the same month a year earlier
Measure	Latest	Year earlier	Change
Active listings	29,324	28,572	+2.6%
New listings	16,024	15,970	+0.3%
Homes sold	12,288	12,361	-0.6%
Months of supply	2.4	2.3	+0.1
Sale-to-list ratio	99.4%	99.5%	Below asking

What these mean. Active listings is the shelf — everything a buyer could tour today. New listings is restock rate; when it falls faster than sales, the shelf empties. Months of supply is active inventory divided by homes sold per month: at the current sales pace, how many months it would take to sell every home currently listed. Under 4 months of supply tilts toward sellers, 4 to 5 months is the neutral band, and above 5 months tilts toward buyers — above 7 months is a glut. These are the same thresholds the market verdict on every city and ZIP page is scored against. Sale-to-list ratio is the discipline check — above 100% means homes are clearing over asking on average, below means sellers are conceding.

Redfin, through May 2026 · No longer updating — Redfin stopped publishing public market trackers in June 2026; latest available period is May 2026. Zillow's inventory and new-listing counts are published per city and appear on the individual city pages.

Where Ohio home values are moving fastest

12-month change in typical home value · Zillow, August 2026

Rising fastest

Falling

Computed from Zillow's typical home value for each city at August 2026 against the same month a year earlier, across the 150 largest Ohio cities by population. Small markets swing hardest because a handful of transactions moves the index — read the city page before treating a large move as a trend.

The most and least expensive cities in Ohio

Typical home value across the 150 largest cities · Zillow, August 2026

Most expensive

1.Upper Arlington$644,597
2.Bexley$582,567
3.Powell$569,765
4.Dublin$564,896
5.Hudson$558,920
6.Mason$509,626
7.Beachwood$505,277
8.Worthington$488,812
9.Avon$477,408
10.Solon$465,943

Most affordable

1.Youngstown$73,589
2.East Cleveland$74,107
3.Portsmouth$94,999
4.Cleveland$120,419
5.Warren$128,641
6.Steubenville$130,244
7.Toledo$133,536
8.Warrensville Heights$136,753
9.Maple Heights$137,976
10.Niles$139,002

The spread between Upper Arlington and Youngstown is 8.8x — one reason a single statewide number is close to useless for a buyer with a fixed budget. Pick the city first, then the price band. Speed is a separate axis from price: Stow was the quickest of these markets to clear at 5 days on market (Redfin, through May 2026).

How Ohio compares

Ohio typical home value, 12-month change, median household income, and value-to-income ratio compared with the United States and neighboring states
Market	Typical value	12-mo change	Median income	Value / income
Ohio	$248,803	+3.4%	$69,680	3.6x
United States	$368,697	+1.2%	—	—
Pennsylvania	$290,401	+2.4%	$76,081	3.8x
Michigan	$266,292	+4.0%	$71,149	3.7x
Indiana	$260,095	+3.0%	$70,051	3.7x

The three states above are Ohio's nearest land neighbours — the markets buyers most often price against when a move is still negotiable. Ohio is the cheapest of this group on a typical-value basis, which is what makes it a destination rather than an origin for cross-state moves.

Values and 12-month changes: Zillow, August 2026 · Refreshes monthly. Income: U.S. Census ACS, 2023. ACS publishes household income per state, not for the nation on the same basis, so the U.S. row shows home value only.

Ohio housing markets by city

1,112 cities tracked — the 60 largest by population shown

Columbus

$247,002

Cleveland

$120,419

Cincinnati

$249,297

Toledo

$133,536

Akron

$141,681

Dayton

$140,625

Parma

$219,443

Canton

$175,781

Lorain

$156,898

Hamilton

$307,195

Youngstown

$73,589

Springfield

$189,587

Kettering

$247,139

Elyria

$190,344

Cuyahoga Falls

$220,780

Middletown

$263,528

Newark

$248,729

Lakewood

$298,111

Dublin

$564,896

Euclid

$151,177

Mansfield

$156,540

Mentor

$277,706

Beavercreek

$335,337

Strongsville

$367,415

Cleveland Heights

$214,166

Fairfield

$285,028

Huber Heights

$212,937

Delaware

$413,291

Grove City

$332,588

Reynoldsburg

$296,467

Lancaster

$278,744

Findlay

$244,994

Warren

$128,641

Westerville

$451,260

Hilliard

$384,950

Upper Arlington

$644,597

North Ridgeville

$334,100

Marion

$168,820

Gahanna

$379,152

Lima

$152,442

Brunswick

$320,873

Mason

$509,626

Fairborn

$209,531

Stow

$291,794

Westlake

$424,986

Massillon

$221,684

North Olmsted

$278,542

North Royalton

$340,724

Austintown

$182,170

Bowling Green

$268,180

Garfield Heights

$141,304

Shaker Heights

$356,991

Green

Pop. 27K

Kent

$252,969

Wooster

$263,917

Troy

$284,322

Marysville

$368,459

Medina

$383,034

Xenia

$257,236

Avon Lake

$425,826

Browse all 1,112 Ohio cities Compare every state →

Get Ohio market alerts

Weekly updates on prices, inventory, and trends. Free forever.

What to do next in Ohio

If you are buying

Set the payment before the price. Start from what you can carry monthly, then work backwards with the affordability calculator — the typical Ohio home is $1,328/mo in P&I today.
Pick the city, not the state. Values across Ohio run from $73,589 in Youngstown to $644,597 in Upper Arlington.
Put two finalists head to head in the city comparison tool before you tour anything.
Fix the credit file before you shop the rate. A better score moves the payment more than haggling over price does at 7.03%.

If you are selling

Price against your city, not the statewide figure — the spread between Ohio markets is wider than the year-over-year move in any of them.
Read the supply table above. At 2.4 months of supply, you still set the terms — but only if the home is priced to the comps on day one.
Watch days on market in your city, not the state. The statewide median was 36 days (Redfin, through May 2026); your city page carries its own.
Time the listing against new-listing volume. New listings are +0.3% year over year — less competition than a year ago.

Ohio housing market questions

What is the typical home value in Ohio?

The typical home value in Ohio is $248,803 (Zillow, August 2026). That is a +3.4% change over the past 12 months. The median price of homes that actually sold was $282,600 (Redfin, through May 2026); sale prices skew toward whatever segment is transacting, which is why they differ from the typical-value figure.

Are Ohio home prices going up or down?

Ohio home values are up 3.4% year over year (Zillow, August 2026). Values are at or near their highest reading in the past two years.

How much income do you need to buy a home in Ohio?

At the current 30-year fixed rate of 7.03%, a $248,803 home with 20.0% down carries roughly $1,328 a month in principal and interest. Using the 28% front-end ratio most lenders underwrite to, that implies a household income of about $56,914 before taxes, insurance, HOA dues, or mortgage insurance are added. Ohio's median household income is $69,680 (Census ACS, 2023), a gap of $12,766 below the median household. These figures are illustrative, not a quote or a pre-approval.

Is it cheaper to rent or buy in Ohio?

Typical asking rent across the largest Ohio cities Zillow publishes rent data for is $1,452 a month (median of 122 cities, Zillow, August 2026). Against a typical home value of $248,803, that is a price-to-rent ratio of 14.3x. Ratios under about 15x generally favour buying if you plan to stay put; above about 20x, renting and investing the difference tends to win over short horizons. Principal and interest alone runs $124 less than that typical rent each month, before taxes, insurance, and maintenance.

Which Ohio cities are the most affordable?

Among the largest cities we track in Ohio, the lowest typical home values are in Youngstown ($73,589), East Cleveland ($74,107), Portsmouth ($94,999), Cleveland ($120,419), Warren ($128,641). Values are Zillow's typical-home-value index for August 2026.

Which Ohio cities are the most expensive?

The highest typical home values among the largest Ohio cities are in Upper Arlington ($644,597), Bexley ($582,567), Powell ($569,765), Dublin ($564,896), Hudson ($558,920). Price per square foot, inventory, and days on market for each are on the individual city pages.

Which Ohio cities are appreciating the fastest?

Over the past 12 months the largest home-value gains among Ohio cities we track were in Ashtabula (+7.7%), Trotwood (+7.6%), Norwalk (+7.4%), Niles (+7.3%), Dover (+7.2%). Fast appreciation usually reflects constrained supply, in-migration, or a small transaction base — check the individual city page before reading it as a trend.

How long do homes take to sell in Ohio?

Homes in Ohio spent a median of 36 days on market in the last month Redfin published (Redfin, through May 2026). That is 1 days slower than the same month a year earlier. The quickest market among the state's largest cities was Stow at 5 days. Redfin stopped publishing public market trackers in June 2026; latest available period is May 2026.

How does Ohio compare to neighboring states?

Ohio's typical home value of $248,803 compares with Pennsylvania at $290,401, Michigan at $266,292, Indiana at $260,095. The U.S. typical home value is $368,697, putting Ohio 32.5% below the national figure.

Is now a good time to buy in Ohio?

That depends on your timeline, not the headline. The measurable inputs today: a 30-year fixed rate of 7.03%, 2.4 months of supply statewide (Redfin, through May 2026), active listings +2.6% year over year, and home values +3.4% over the past year. Buyers with a five-year-plus horizon are mostly exposed to the payment, not the price, so the rate you can qualify for matters more than the month you buy. Properties Incorporated is an independent data platform, not a brokerage or lender — this is information, not advice.

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