Defiance County, Ohio home prices
Typical home $185,991 · +3.8% in a year · property tax 1.07%
The typical home in Defiance County is worth $185,991, 24% less than the Ohio typical home ($245,982). Values changed +3.8% in the past year and +27.3% over five years. Homeowners here pay a median 1.07% of their home's value in property tax each year ($1,994 on the typical home), versus 1.22% statewide.
Mortgage on the typical Defiance County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $37,198 | $148,793 | $1,001 | $0 | $259 | $1,260 | $54,000 |
| 10% down | $18,599 | $167,392 | $1,126 | $70 | $259 | $1,455 | $62,400 |
| 5% down | $9,300 | $176,692 | $1,189 | $74 | $259 | $1,521 | $65,200 |
| 3.5% down (FHA) | $6,510 | $182,623 | $1,229 | $82 | $259 | $1,570 | $67,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.07% 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 Defiance metro area.
Ohio counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Athens County | $185,595 | +3.5% | 1.17% |
| Adams County | $186,518 | +1.5% | 0.83% |
| Van Wert County | $186,641 | +3.3% | 0.91% |
| Washington County | $184,844 | +4.5% | 0.93% |
| Williams County | $184,170 | +3.1% | 1.05% |
| Sandusky County | $188,459 | +4.2% | 1.03% |
| Marion County | $183,249 | +4.1% | 0.95% |
| Ashtabula County | $182,582 | +6.6% | 1.21% |
| Noble County | $189,907 | +3.6% | 0.72% |
| Allen County | $190,690 | +5.1% | 1.12% |
Frequently asked questions
What is the average home price in Defiance County, OH?
The typical home value in Defiance County is $185,991 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Defiance County?
About $54,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Defiance County?
The median effective rate is 1.07% of home value a year (Census ACS 2024 5-year estimates).