The typical owner-occupied home in Westernville is worth about $147,300, 65% below the New York median of $423,800 and 56% below the national median of $332,700. Owners pay a median $2,575 a year in property taxes, about 1.75% of their home's value, higher than the New York rate of 1.55%. The median household earns $46,875 a year, so the median home costs 3.1 times the median income (4.9 times for New York). 52% of occupied homes here are lived in by their owners, and 44% of those owners still have a mortgage.
Westernville at a glance
| Westernville | New York | U.S. | |
|---|---|---|---|
| Median home value | $147,300 | $423,800 | $332,700 |
| Median property tax paid per year | $2,575 | $6,582 | $3,119 |
| Property tax as a share of value | 1.75% | 1.55% | 0.94% |
| Median household income | $46,875 | $85,974 | $80,734 |
| Homes lived in by their owners | 52% | 54% | 65% |
| Owner homes with a mortgage | 44% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,366 | $2,555 | $1,963 |
| Those costs as a share of the owners' income | 13.4% | 22.5% | 21.0% |
| Median rent | $1,053 | $1,621 | $1,413 |
| Rent as a share of renters' income | 51.0% | 31.2% | 30.6% |
| Median year homes were built | 1954 | 1959 | 1980 |
| Vacant homes | 19.4% | 10.0% | 10.1% |
| Population | 195 | 19,852,366 | 334,922,499 |
What a typical home costs per month in Westernville
At this week's average 30-year rate of 7.11%, buying the median Westernville home of $147,300 with 20% down costs about $1,069 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,314, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $45,810 for the 20%-down payment. That payment is 27% of the median Westernville household income of $46,875; at that income and 20% down, the 28% guideline points to a home of about $151,000.
The median rent here is $1,053 a month, so owning the median home costs about $16 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $29,460 |
|---|---|
| Loan amount | $117,840 |
| Principal and interest | $793 |
| Property taxes (1.75% a year) | $215 |
| Homeowners insurance (our estimate, 0.5% a year) | $61 |
| PMI | $0 |
| Total per month | $1,069 |
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| Down payment | $5,156 |
|---|---|
| Loan amount | $144,632 |
| Principal and interest | $973 |
| Property taxes (1.75% a year) | $215 |
| Homeowners insurance (our estimate, 0.5% a year) | $61 |
| FHA mortgage insurance | $65 |
| Total per month | $1,314 |
Change the numbers in the calculator
Questions about home buying in Westernville
What is the median home value in Westernville?
About $147,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Westernville?
Homeowners pay a median $2,575 a year, which is about 1.75% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Westernville?
For the median home with 20% down at 7.11%, the payment is about $1,069 a month. Keeping that under 28% of gross income takes about $45,810 a year.
More about Westernville
- Mortgage Refinance in Westernville
- Debt Relief in Westernville
- Home Equity Loans in Westernville
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data