Sidney, OH home prices
Typical home $246,215 · +7.0% in a year · income needed $70,400
The Sidney, OH metro area ranks 467 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +7.0% in a year and +38.0% over five years. With 20% down at 7.11%, the typical home costs about $1,643 a month including 0.95% property tax (Shelby County rate).
Mortgage on the typical Sidney home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $49,243 | $196,972 | $1,325 | $0 | $318 | $1,643 | $70,400 |
| 10% down | $24,622 | $221,594 | $1,491 | $92 | $318 | $1,901 | $81,500 |
| 5% down | $12,311 | $233,904 | $1,573 | $97 | $318 | $1,989 | $85,300 |
| 3.5% down (FHA) | $8,618 | $241,756 | $1,626 | $109 | $318 | $2,054 | $88,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.95% 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 Sidney area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Shelby County, OH | $246,250 | +7.0% | 0.95% |
What can you afford in Ohio on your salary? · Ohio home prices · Salaries in Ohio
Frequently asked questions
How much is a house in Sidney?
The typical home in the Sidney, OH metro area is worth $246,215 (Zillow, September 2026).
What salary do you need to buy a house in Sidney?
About $70,400 a year for the typical home with 20% down at 7.11%.