Ottawa County, Ohio home prices
Typical home $273,705 · +1.3% in a year · property tax 1.08%
The typical home in Ottawa County is worth $273,705, 11% more than the Ohio typical home ($245,982). Values changed +1.3% in the past year and +20.1% over five years. Homeowners here pay a median 1.08% of their home's value in property tax each year ($2,960 on the typical home), versus 1.22% statewide.
Mortgage on the typical Ottawa County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $54,741 | $218,964 | $1,473 | $0 | $384 | $1,856 | $79,600 |
| 10% down | $27,370 | $246,334 | $1,657 | $103 | $384 | $2,143 | $91,900 |
| 5% down | $13,685 | $260,020 | $1,749 | $108 | $384 | $2,241 | $96,000 |
| 3.5% down (FHA) | $9,580 | $268,747 | $1,808 | $121 | $384 | $2,312 | $99,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.08% 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 |
|---|---|---|---|
| Mercer County | $275,628 | +5.2% | 1.1% |
| Miami County | $268,300 | +2.5% | 0.98% |
| Hamilton County | $266,241 | +0.8% | 1.51% |
| Portage County | $282,245 | +5.3% | 1.27% |
| Wayne County | $264,392 | +3.8% | 1.17% |
| Hocking County | $284,239 | +3.7% | 0.99% |
| Putnam County | $260,924 | +9.1% | 0.97% |
| Morrow County | $286,534 | +4.4% | 1.06% |
| Lorain County | $260,654 | +4.8% | 1.37% |
| Brown County | $260,279 | +2.1% | 0.82% |
Frequently asked questions
What is the average home price in Ottawa County, OH?
The typical home value in Ottawa County is $273,705 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Ottawa County?
About $79,600 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Ottawa County?
The median effective rate is 1.08% of home value a year (Census ACS 2024 5-year estimates).