Celina, OH home prices
Typical home $275,654 · +5.2% in a year · income needed $80,400
The Celina, OH metro area ranks 377 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +5.2% in a year and +35.3% over five years. With 20% down at 7.11%, the typical home costs about $1,875 a month including 1.1% property tax (Mercer County rate).
Mortgage on the typical Celina home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $55,131 | $220,523 | $1,483 | $0 | $391 | $1,875 | $80,400 |
| 10% down | $27,565 | $248,088 | $1,669 | $103 | $391 | $2,164 | $92,700 |
| 5% down | $13,783 | $261,871 | $1,762 | $109 | $391 | $2,262 | $96,900 |
| 3.5% down (FHA) | $9,648 | $270,661 | $1,821 | $122 | $391 | $2,334 | $100,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.1% 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 Celina area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Mercer County, OH | $275,628 | +5.2% | 1.1% |
What can you afford in Ohio on your salary? · Ohio home prices · Salaries in Ohio
Frequently asked questions
How much is a house in Celina?
The typical home in the Celina, OH metro area is worth $275,654 (Zillow, September 2026).
What salary do you need to buy a house in Celina?
About $80,400 a year for the typical home with 20% down at 7.11%.