Miami County, Ohio home prices
Typical home $268,300 · +2.5% in a year · property tax 0.98%
The typical home in Miami County is worth $268,300, 9% more than the Ohio typical home ($245,982). Values changed +2.5% in the past year and +31.2% over five years. Homeowners here pay a median 0.98% of their home's value in property tax each year ($2,640 on the typical home), versus 1.22% statewide.
Mortgage on the typical Miami County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $53,660 | $214,640 | $1,444 | $0 | $354 | $1,798 | $77,100 |
| 10% down | $26,830 | $241,470 | $1,624 | $101 | $354 | $2,079 | $89,100 |
| 5% down | $13,415 | $254,885 | $1,715 | $106 | $354 | $2,175 | $93,200 |
| 3.5% down (FHA) | $9,391 | $263,441 | $1,772 | $119 | $354 | $2,245 | $96,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.98% 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 |
|---|---|---|---|
| Hamilton County | $266,241 | +0.8% | 1.51% |
| Wayne County | $264,392 | +3.8% | 1.17% |
| Ottawa County | $273,705 | +1.3% | 1.08% |
| Mercer County | $275,628 | +5.2% | 1.1% |
| Putnam County | $260,924 | +9.1% | 0.97% |
| Lorain County | $260,654 | +4.8% | 1.37% |
| Brown County | $260,279 | +2.1% | 0.82% |
| Champaign County | $255,719 | +7.4% | 1.02% |
| Portage County | $282,245 | +5.3% | 1.27% |
| Clinton County | $253,731 | +4.1% | 0.93% |
Frequently asked questions
What is the average home price in Miami County, OH?
The typical home value in Miami County is $268,300 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Miami County?
About $77,100 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Miami County?
The median effective rate is 0.98% of home value a year (Census ACS 2024 5-year estimates).