Adams County, Ohio home prices
Typical home $186,518 · +1.5% in a year · property tax 0.83%
The typical home in Adams County is worth $186,518, 24% less than the Ohio typical home ($245,982). Values changed +1.5% in the past year and +27.2% over five years. Homeowners here pay a median 0.83% of their home's value in property tax each year ($1,540 on the typical home), versus 1.22% statewide.
Mortgage on the typical Adams County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $37,304 | $149,214 | $1,004 | $0 | $222 | $1,225 | $52,500 |
| 10% down | $18,652 | $167,866 | $1,129 | $70 | $222 | $1,421 | $60,900 |
| 5% down | $9,326 | $177,192 | $1,192 | $74 | $222 | $1,487 | $63,700 |
| 3.5% down (FHA) | $6,528 | $183,140 | $1,232 | $82 | $222 | $1,536 | $65,800 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.83% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Ohio.
Ohio counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Van Wert County | $186,641 | +3.3% | 0.91% |
| Defiance County | $185,991 | +3.8% | 1.07% |
| Athens County | $185,595 | +3.5% | 1.17% |
| Washington County | $184,844 | +4.5% | 0.93% |
| Sandusky County | $188,459 | +4.2% | 1.03% |
| Williams County | $184,170 | +3.1% | 1.05% |
| Marion County | $183,249 | +4.1% | 0.95% |
| Noble County | $189,907 | +3.6% | 0.72% |
| Ashtabula County | $182,582 | +6.6% | 1.21% |
| Allen County | $190,690 | +5.1% | 1.12% |
Frequently asked questions
What is the average home price in Adams County, OH?
The typical home value in Adams County is $186,518 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Adams County?
About $52,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Adams County?
The median effective rate is 0.83% of home value a year (Census ACS 2024 5-year estimates).