Income needed to buy a home
Jefferson County, OH
$43,049
a year in household income to buy the typical Jefferson County home with 10% down.
The monthly math
Typical home value$127,407
Down payment (10%)$12,741
Loan$114,666
Principal and interest (7.40%)$794/mo
Property tax (0.93% a year)$99/mo
Homeowners insurance (estimate)$64/mo
Mortgage insurance$48/mo
Total monthly cost$1,004/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 $59,055 a year, 37% more than it takes.
In Ohio
Jefferson County ranks #2 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 |
| Belmont County | $133,163 | $45,355 |
| Harrison County | $145,138 | $48,946 |
| Jackson County | $147,176 | $49,570 |
| Scioto County | $145,722 | $50,028 |
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.