Cambridge, OH home prices
Typical home $167,107 · +3.8% in a year · income needed $48,200
The Cambridge, OH metro area ranks 769 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.8% in a year and +19.4% over five years. With 20% down at 7.11%, the typical home costs about $1,124 a month including 1.01% property tax (Guernsey County rate).
Mortgage on the typical Cambridge home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $33,421 | $133,686 | $899 | $0 | $224 | $1,124 | $48,200 |
| 10% down | $16,711 | $150,397 | $1,012 | $63 | $224 | $1,299 | $55,700 |
| 5% down | $8,355 | $158,752 | $1,068 | $66 | $224 | $1,358 | $58,200 |
| 3.5% down (FHA) | $5,849 | $164,081 | $1,104 | $74 | $224 | $1,402 | $60,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.01% 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 Cambridge area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Guernsey County, OH | $167,065 | +3.8% | 1.01% |
What can you afford in Ohio on your salary? · Ohio home prices · Salaries in Ohio
Frequently asked questions
How much is a house in Cambridge?
The typical home in the Cambridge, OH metro area is worth $167,107 (Zillow, September 2026).
What salary do you need to buy a house in Cambridge?
About $48,200 a year for the typical home with 20% down at 7.11%.