Montgomery County, Ohio home prices
Typical home $202,892 · +2.9% in a year · property tax 1.73%
The typical home in Montgomery County is worth $202,892, 18% less than the Ohio typical home ($245,982). Values changed +2.9% in the past year and +33.2% over five years. Homeowners here pay a median 1.73% of their home's value in property tax each year ($3,507 on the typical home), versus 1.22% statewide.
Mortgage on the typical Montgomery County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $40,578 | $162,313 | $1,092 | $0 | $394 | $1,486 | $63,700 |
| 10% down | $20,289 | $182,602 | $1,228 | $76 | $394 | $1,698 | $72,800 |
| 5% down | $10,145 | $192,747 | $1,297 | $80 | $394 | $1,771 | $75,900 |
| 3.5% down (FHA) | $7,101 | $199,217 | $1,340 | $90 | $394 | $1,824 | $78,200 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.73% 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 |
|---|---|---|---|
| Carroll County | $203,750 | +8.6% | 0.94% |
| Ross County | $201,557 | +3.7% | 1% |
| Highland County | $200,703 | +4.1% | 0.91% |
| Clark County | $199,692 | +3.2% | 1.19% |
| Richland County | $198,720 | +6.0% | 1.25% |
| Huron County | $195,481 | +4.6% | 1.05% |
| Muskingum County | $211,125 | +2.2% | 0.91% |
| Henry County | $211,247 | +5.4% | 1.17% |
| Coshocton County | $191,924 | +6.8% | 0.95% |
| Wyandot County | $191,318 | +4.1% | 0.86% |
Frequently asked questions
What is the average home price in Montgomery County, OH?
The typical home value in Montgomery County is $202,892 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Montgomery County?
About $63,700 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Montgomery County?
The median effective rate is 1.73% of home value a year (Census ACS 2024 5-year estimates).