Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$185,991+3.8% YoY · prices are rising fast
Market right nowSeller's marketFewer homes for sale than last year, 10% have cut their price
Income needed to buy, per year$40,319About 0.6× the local median income ($71,913): affordable for a typical household
Days on market45 daysFaster than a year ago: sellers have the edge
The typical home in Defiance County, OH is worth $185,991, up 3.8% from a year ago. That is well above what local incomes have historically supported: fair value is about $156,441, so the area is 18.9% overvalued. It is a seller's market: homes take about 45 days to sell, listings are down 16% from a year ago, 10% of listings have had a price cut. A household needs about $40,319 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $71,913. In the latest IRS figures, 102 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$185,991
Change in 1 year
+3.8%
Overvalued %
+18.9%
Show 6 more
Fair home value
$156,441
Change in 5 years
+27.3%
Home value to income
2.6×
Monthly mortgage payment (20% down)
$1,008
Income needed to afford it
$40,319
Property tax rate
1.07%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,017
Market activity
Listings vs a year ago
−16.4%
Days on market
45
Listings with a price cut
10.2%
Show 3 more
Homes for sale
51
Pending sales per 100 listings
88
Asking price per sq ft
$132
People and jobs
Median household income
$71,913
Population change (1 year)
−0.1%
Unemployment rate
5.2%
Show 4 more
Population
38,292
Income adjusted for cost of living
$81,442
Net moves in (IRS)
+102
Cost of living (US = 100)
88.3
Schools, risk and environment
School rating (1 to 10)
7.2
FEMA hazard risk score (0 to 100)
41.9
Flood risk score
59.4
Show 3 more
Wildfire risk score
6.9
Walkability (1 to 20)
5.9
Road, rail and air noise
52 dB
Questions people ask
Is Defiance County, OH overvalued?
Home prices in Defiance County, OH are well above what local incomes have historically supported: fair value is about $156,441, so the area is 18.9% overvalued.
Is Defiance County, OH a buyer's or seller's market?
Defiance County, OH is a seller's market: homes take about 45 days to sell, listings are down 16% from a year ago, 10% of listings have had a price cut.
Are home prices going down in Defiance County, OH?
Home values in Defiance County, OH are up 3.8% over the last year.
How much do you need to earn to buy a home in Defiance County, OH?
A household needs about $40,319 a year to afford the typical home in Defiance County, OH at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $71,913.