Shelby County, Ohio home prices
Typical home $246,250 · +7.0% in a year · property tax 0.95%
The typical home in Shelby County is worth $246,250, about the same as the Ohio typical home ($245,982). Values changed +7.0% in the past year and +37.9% over five years. Homeowners here pay a median 0.95% of their home's value in property tax each year ($2,344 on the typical home), versus 1.22% statewide.
Mortgage on the typical Shelby County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $49,250 | $197,000 | $1,325 | $0 | $318 | $1,644 | $70,400 |
| 10% down | $24,625 | $221,625 | $1,491 | $92 | $318 | $1,902 | $81,500 |
| 5% down | $12,312 | $233,937 | $1,574 | $97 | $318 | $1,990 | $85,300 |
| 3.5% down (FHA) | $8,619 | $241,790 | $1,627 | $109 | $318 | $2,054 | $88,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.95% 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 Sidney metro area.
Ohio counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Fayette County | $244,757 | +3.1% | 0.94% |
| Ashland County | $244,608 | +4.3% | 0.99% |
| Lake County | $249,918 | +3.4% | 1.62% |
| Auglaize County | $242,461 | +6.2% | 0.96% |
| Wood County | $242,240 | +2.6% | 1.34% |
| Erie County | $240,422 | +3.4% | 1.22% |
| Hancock County | $239,297 | +3.7% | 1% |
| Logan County | $253,679 | +3.7% | 1% |
| Clinton County | $253,731 | +4.1% | 0.93% |
| Champaign County | $255,719 | +7.4% | 1.02% |
Frequently asked questions
What is the average home price in Shelby County, OH?
The typical home value in Shelby County is $246,250 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Shelby County?
About $70,400 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Shelby County?
The median effective rate is 0.95% of home value a year (Census ACS 2024 5-year estimates).