Lucas County, Ohio home prices
Typical home $176,069 · +4.6% in a year · property tax 1.69%
The typical home in Lucas County is worth $176,069, 28% less than the Ohio typical home ($245,982). Values changed +4.6% in the past year and +32.0% over five years. Homeowners here pay a median 1.69% of their home's value in property tax each year ($2,979 on the typical home), versus 1.22% statewide.
Mortgage on the typical Lucas County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $35,214 | $140,855 | $948 | $0 | $336 | $1,284 | $55,000 |
| 10% down | $17,607 | $158,462 | $1,066 | $66 | $336 | $1,468 | $62,900 |
| 5% down | $8,803 | $167,266 | $1,125 | $70 | $336 | $1,531 | $65,600 |
| 3.5% down (FHA) | $6,162 | $172,880 | $1,163 | $78 | $336 | $1,577 | $67,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.69% 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 Toledo metro area.
Ohio counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Mahoning County | $175,744 | +5.4% | 1.3% |
| Vinton County | $173,446 | +3.0% | 0.98% |
| Gallia County | $173,158 | +7.5% | 0.91% |
| Trumbull County | $172,302 | +6.6% | 1.31% |
| Seneca County | $180,081 | +4.5% | 1.03% |
| Pike County | $171,666 | +3.6% | 0.83% |
| Ashtabula County | $182,582 | +6.6% | 1.21% |
| Marion County | $183,249 | +4.1% | 0.95% |
| Williams County | $184,170 | +3.1% | 1.05% |
| Washington County | $184,844 | +4.5% | 0.93% |
Frequently asked questions
What is the average home price in Lucas County, OH?
The typical home value in Lucas County is $176,069 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lucas County?
About $55,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lucas County?
The median effective rate is 1.69% of home value a year (Census ACS 2024 5-year estimates).