Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$273,705+1.3% YoY · prices are rising
Market right nowBalanced, leaning buyersMore homes for sale than last year, 16% have cut their price
Income needed to buy, per year$59,333About 0.8× the local median income ($76,709): affordable for a typical household
Days on market73 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+4.2%Zillow expects prices to rise strongly
The typical home in Ottawa County, OH is worth $273,705, up 1.3% from a year ago. That is well above what local incomes have historically supported: fair value is about $244,051, so the area is 12.2% overvalued. It is a balanced market, leaning toward buyers: homes take about 73 days to sell, listings are up 12% from a year ago, 16% of listings have had a price cut. Zillow expects prices to rise about 4.2% over the next year. A household needs about $59,333 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 $76,709. Typical rent is $1,538 a month, or $1,610 for a house. In the latest IRS figures, 100 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
$273,705
Change in 1 year
+1.3%
Overvalued %
+12.2%
Show 7 more
Fair home value
$244,051
Change in 5 years
+20.1%
Zillow forecast, next 12 months
+4.2%
Home value to income
3.6×
Monthly mortgage payment (20% down)
$1,483
Income needed to afford it
$59,333
Property tax rate
1.08%
Rent and investing
Typical rent
$1,538
Typical rent for houses
$1,610
Price-to-rent ratio
14.8×
Show 3 more
HUD Fair Market Rent, 2 bedrooms
$1,209
Gross rental yield
6.74%
Cap rate (estimate)
4.38%
Market activity
Listings vs a year ago
+11.9%
Days on market
73
Listings with a price cut
16.0%
Show 3 more
Homes for sale
226
Pending sales per 100 listings
36
Asking price per sq ft
$290
People and jobs
Median household income
$76,709
Population change (1 year)
−0.6%
Unemployment rate
3.1%
Show 4 more
Population
39,481
Income adjusted for cost of living
$85,900
Net moves in (IRS)
+100
Cost of living (US = 100)
89.3
Schools, risk and environment
School rating (1 to 10)
7.6
FEMA hazard risk score (0 to 100)
59.2
Flood risk score
72.6
Show 3 more
Wildfire risk score
14.0
Walkability (1 to 20)
6.0
Road, rail and air noise
52 dB
Questions people ask
Is Ottawa County, OH overvalued?
Home prices in Ottawa County, OH are well above what local incomes have historically supported: fair value is about $244,051, so the area is 12.2% overvalued.
Is Ottawa County, OH a buyer's or seller's market?
Ottawa County, OH is a balanced market, leaning toward buyers: homes take about 73 days to sell, listings are up 12% from a year ago, 16% of listings have had a price cut.
Are home prices going down in Ottawa County, OH?
Home values in Ottawa County, OH are up 1.3% over the last year. Zillow's forecast for the next 12 months is +4.2%.
How much do you need to earn to buy a home in Ottawa County, OH?
A household needs about $59,333 a year to afford the typical home in Ottawa County, OH at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $76,709.