The typical owner-occupied home in Owensville is worth about $157,700, 27% below the Ohio median of $214,800 and 53% below the national median of $332,700. Owners pay a median $1,471 a year in property taxes, about 0.93% of their home's value, lower than the Ohio rate of 1.31%. 33% of occupied homes here are lived in by their owners, and 68% of those owners still have a mortgage.
Owensville at a glance
| Owensville | Ohio | U.S. | |
|---|---|---|---|
| Median home value | $157,700 | $214,800 | $332,700 |
| Median property tax paid per year | $1,471 | $2,822 | $3,119 |
| Property tax as a share of value | 0.93% | 1.31% | 0.94% |
| Median household income | – | $71,389 | $80,734 |
| Homes lived in by their owners | 33% | 67% | 65% |
| Owner homes with a mortgage | 68% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,021 | $1,517 | $1,963 |
| Those costs as a share of the owners' income | 20.3% | 18.6% | 21.0% |
| Median rent | – | $1,034 | $1,413 |
| Rent as a share of renters' income | 25.5% | 28.3% | 30.6% |
| Median year homes were built | 1974 | 1970 | 1980 |
| Vacant homes | 5.1% | 8.1% | 10.1% |
| Population | 620 | 11,810,293 | 334,922,499 |
What a typical home costs per month in Owensville
At this week's average 30-year rate of 7.11%, buying the median Owensville home of $157,700 with 20% down costs about $1,037 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,299, 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 $44,427 for the 20%-down payment.
| Down payment | $31,540 |
|---|---|
| Loan amount | $126,160 |
| Principal and interest | $849 |
| Property taxes (0.93% a year) | $122 |
| Homeowners insurance (our estimate, 0.5% a year) | $66 |
| PMI | $0 |
| Total per month | $1,037 |
Change the numbers in the calculator
| Down payment | $5,520 |
|---|---|
| Loan amount | $154,844 |
| Principal and interest | $1,042 |
| Property taxes (0.93% a year) | $122 |
| Homeowners insurance (our estimate, 0.5% a year) | $66 |
| FHA mortgage insurance | $70 |
| Total per month | $1,299 |
Change the numbers in the calculator
Questions about home buying in Owensville
What is the median home value in Owensville?
About $157,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Owensville?
Homeowners pay a median $1,471 a year, which is about 0.93% 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 Owensville?
For the median home with 20% down at 7.11%, the payment is about $1,037 a month. Keeping that under 28% of gross income takes about $44,427 a year.
More about Owensville
- Mortgage Refinance in Owensville
- Debt Relief in Owensville
- Home Equity Loans in Owensville
- 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