Defiance, OH home prices
Typical home $186,014 · +3.8% in a year · income needed $54,000
The Defiance, OH metro area ranks 695 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.8% in a year and +27.3% over five years. With 20% down at 7.11%, the typical home costs about $1,260 a month including 1.07% property tax (Defiance County rate).
Mortgage on the typical Defiance home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $37,203 | $148,811 | $1,001 | $0 | $259 | $1,260 | $54,000 |
| 10% down | $18,601 | $167,412 | $1,126 | $70 | $259 | $1,455 | $62,400 |
| 5% down | $9,301 | $176,713 | $1,189 | $74 | $259 | $1,522 | $65,200 |
| 3.5% down (FHA) | $6,510 | $182,644 | $1,229 | $82 | $259 | $1,570 | $67,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.07% 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 Defiance area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Defiance County, OH | $185,991 | +3.8% | 1.07% |
What can you afford in Ohio on your salary? · Ohio home prices · Salaries in Ohio
Frequently asked questions
How much is a house in Defiance?
The typical home in the Defiance, OH metro area is worth $186,014 (Zillow, September 2026).
What salary do you need to buy a house in Defiance?
About $54,000 a year for the typical home with 20% down at 7.11%.