Urbana, OH home prices
Typical home $255,639 · +7.4% in a year · income needed $73,800
The Urbana, OH metro area ranks 435 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +7.4% in a year and +34.8% over five years. With 20% down at 7.11%, the typical home costs about $1,721 a month including 1.02% property tax (Champaign County rate).
Mortgage on the typical Urbana home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $51,128 | $204,511 | $1,376 | $0 | $345 | $1,721 | $73,800 |
| 10% down | $25,564 | $230,075 | $1,548 | $96 | $345 | $1,989 | $85,200 |
| 5% down | $12,782 | $242,857 | $1,634 | $101 | $345 | $2,080 | $89,200 |
| 3.5% down (FHA) | $8,947 | $251,008 | $1,689 | $113 | $345 | $2,147 | $92,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.02% 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 Urbana area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Champaign County, OH | $255,719 | +7.4% | 1.02% |
What can you afford in Ohio on your salary? · Ohio home prices · Salaries in Ohio
Frequently asked questions
How much is a house in Urbana?
The typical home in the Urbana, OH metro area is worth $255,639 (Zillow, September 2026).
What salary do you need to buy a house in Urbana?
About $73,800 a year for the typical home with 20% down at 7.11%.