Champaign County, Ohio home prices
Typical home $255,719 · +7.4% in a year · property tax 1.02%
The typical home in Champaign County is worth $255,719, 4% more than the Ohio typical home ($245,982). Values changed +7.4% in the past year and +34.9% over five years. Homeowners here pay a median 1.02% of their home's value in property tax each year ($2,612 on the typical home), versus 1.22% statewide.
Mortgage on the typical Champaign County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $51,144 | $204,575 | $1,376 | $0 | $346 | $1,722 | $73,800 |
| 10% down | $25,572 | $230,147 | $1,548 | $96 | $346 | $1,990 | $85,300 |
| 5% down | $12,786 | $242,933 | $1,634 | $101 | $346 | $2,081 | $89,200 |
| 3.5% down (FHA) | $8,950 | $251,087 | $1,689 | $113 | $346 | $2,148 | $92,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.02% 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 Urbana metro area.
Ohio counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Clinton County | $253,731 | +4.1% | 0.93% |
| Logan County | $253,679 | +3.7% | 1% |
| Brown County | $260,279 | +2.1% | 0.82% |
| Lorain County | $260,654 | +4.8% | 1.37% |
| Putnam County | $260,924 | +9.1% | 0.97% |
| Lake County | $249,918 | +3.4% | 1.62% |
| Wayne County | $264,392 | +3.8% | 1.17% |
| Shelby County | $246,250 | +7.0% | 0.95% |
| Hamilton County | $266,241 | +0.8% | 1.51% |
| Fayette County | $244,757 | +3.1% | 0.94% |
Frequently asked questions
What is the average home price in Champaign County, OH?
The typical home value in Champaign County is $255,719 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Champaign County?
About $73,800 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Champaign County?
The median effective rate is 1.02% of home value a year (Census ACS 2024 5-year estimates).