Chillicothe, OH home prices
Typical home $201,552 · +3.7% in a year · income needed $58,000
The Chillicothe, OH metro area ranks 632 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.7% in a year and +28.3% over five years. With 20% down at 7.11%, the typical home costs about $1,353 a month including 1% property tax (Ross County rate).
Mortgage on the typical Chillicothe home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $40,310 | $161,242 | $1,085 | $0 | $268 | $1,353 | $58,000 |
| 10% down | $20,155 | $181,397 | $1,220 | $76 | $268 | $1,564 | $67,000 |
| 5% down | $10,078 | $191,474 | $1,288 | $80 | $268 | $1,636 | $70,100 |
| 3.5% down (FHA) | $7,054 | $197,901 | $1,331 | $89 | $268 | $1,688 | $72,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 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 Chillicothe area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Ross County, OH | $201,557 | +3.7% | 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 Chillicothe?
The typical home in the Chillicothe, OH metro area is worth $201,552 (Zillow, September 2026).
What salary do you need to buy a house in Chillicothe?
About $58,000 a year for the typical home with 20% down at 7.11%.