Income needed to buy a home
Defiance County, OH
$64,580
a year in household income to buy the typical Defiance County home with 10% down.
The monthly math
Typical home value$188,051
Down payment (10%)$18,805
Loan$169,246
Principal and interest (7.40%)$1,172/mo
Property tax (1.09% a year)$170/mo
Homeowners insurance (estimate)$94/mo
Mortgage insurance$71/mo
Total monthly cost$1,507/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Within reach
The typical household here earns $73,064 a year, 13% more than it takes.
In Ohio
Defiance County ranks #26 of 88 for the income a home takes, from least to most.
Easiest to afford in Ohio
| County | Typical home | Income needed |
|---|---|---|
| Meigs County | $115,811 | $38,833 |
| Jefferson County | $127,407 | $43,049 |
| Belmont County | $133,163 | $45,355 |
| Harrison County | $145,138 | $48,946 |
| Jackson County | $147,176 | $49,570 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.