Ashtabula County, Ohio home prices
Typical home $182,582 · +6.6% in a year · property tax 1.21%
The typical home in Ashtabula County is worth $182,582, 26% less than the Ohio typical home ($245,982). Values changed +6.6% in the past year and +37.5% over five years. Homeowners here pay a median 1.21% of their home's value in property tax each year ($2,207 on the typical home), versus 1.22% statewide.
Mortgage on the typical Ashtabula County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,516 | $146,066 | $983 | $0 | $275 | $1,258 | $53,900 |
| 10% down | $18,258 | $164,324 | $1,105 | $68 | $275 | $1,449 | $62,100 |
| 5% down | $9,129 | $173,453 | $1,167 | $72 | $275 | $1,514 | $64,900 |
| 3.5% down (FHA) | $6,390 | $179,275 | $1,206 | $81 | $275 | $1,562 | $66,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.21% 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 · part of the Ashtabula metro area.
Ohio counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Marion County | $183,249 | +4.1% | 0.95% |
| Williams County | $184,170 | +3.1% | 1.05% |
| Washington County | $184,844 | +4.5% | 0.93% |
| Seneca County | $180,081 | +4.5% | 1.03% |
| Athens County | $185,595 | +3.5% | 1.17% |
| Defiance County | $185,991 | +3.8% | 1.07% |
| Adams County | $186,518 | +1.5% | 0.83% |
| Van Wert County | $186,641 | +3.3% | 0.91% |
| Sandusky County | $188,459 | +4.2% | 1.03% |
| Lucas County | $176,069 | +4.6% | 1.69% |
Frequently asked questions
What is the average home price in Ashtabula County, OH?
The typical home value in Ashtabula County is $182,582 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Ashtabula County?
About $53,900 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Ashtabula County?
The median effective rate is 1.21% of home value a year (Census ACS 2024 5-year estimates).