Ashtabula, OH home prices
Typical home $182,537 · +6.6% in a year · income needed $53,900
The Ashtabula, OH metro area ranks 708 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +6.6% in a year and +37.6% over five years. With 20% down at 7.11%, the typical home costs about $1,257 a month including 1.21% property tax (Ashtabula County rate).
Mortgage on the typical Ashtabula home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $36,507 | $146,030 | $982 | $0 | $275 | $1,257 | $53,900 |
| 10% down | $18,254 | $164,283 | $1,105 | $68 | $275 | $1,449 | $62,100 |
| 5% down | $9,127 | $173,410 | $1,167 | $72 | $275 | $1,514 | $64,900 |
| 3.5% down (FHA) | $6,389 | $179,231 | $1,206 | $81 | $275 | $1,562 | $66,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.21% 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.
Counties in the Ashtabula area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Ashtabula County, OH | $182,582 | +6.6% | 1.21% |
What can you afford in Ohio on your salary? · Ohio home prices · Salaries in Ohio
Frequently asked questions
How much is a house in Ashtabula?
The typical home in the Ashtabula, OH metro area is worth $182,537 (Zillow, September 2026).
What salary do you need to buy a house in Ashtabula?
About $53,900 a year for the typical home with 20% down at 7.11%.