The typical owner-occupied home in Bellbrook is worth about $264,300, 23% above the Ohio median of $214,800 and 21% below the national median of $332,700. Owners pay a median $4,894 a year in property taxes, about 1.85% of their home's value, higher than the Ohio rate of 1.31%. The median household earns $111,513 a year, so the median home costs 2.4 times the median income (3.0 times for Ohio). 81% of occupied homes here are lived in by their owners, and 67% of those owners still have a mortgage.
Bellbrook at a glance
| Bellbrook | Ohio | U.S. | |
|---|---|---|---|
| Median home value | $264,300 | $214,800 | $332,700 |
| Median property tax paid per year | $4,894 | $2,822 | $3,119 |
| Property tax as a share of value | 1.85% | 1.31% | 0.94% |
| Median household income | $111,513 | $71,389 | $80,734 |
| Homes lived in by their owners | 81% | 67% | 65% |
| Owner homes with a mortgage | 67% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,653 | $1,517 | $1,963 |
| Those costs as a share of the owners' income | 19.1% | 18.6% | 21.0% |
| Median rent | $1,346 | $1,034 | $1,413 |
| Rent as a share of renters' income | 20.1% | 28.3% | 30.6% |
| Median year homes were built | 1971 | 1970 | 1980 |
| Vacant homes | 1.8% | 8.1% | 10.1% |
| Population | 7,394 | 11,810,293 | 334,922,499 |
What a typical home costs per month in Bellbrook
At this week's average 30-year rate of 7.11%, buying the median Bellbrook home of $264,300 with 20% down costs about $1,940 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,380, 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 $83,141 for the 20%-down payment. That payment is 21% of the median Bellbrook household income of $111,513; at that income and 20% down, the 28% guideline points to a home of about $354,000.
The median rent here is $1,346 a month, so owning the median home costs about $594 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $52,860 |
|---|---|
| Loan amount | $211,440 |
| Principal and interest | $1,422 |
| Property taxes (1.85% a year) | $407 |
| Homeowners insurance (our estimate, 0.5% a year) | $110 |
| PMI | $0 |
| Total per month | $1,940 |
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| Down payment | $9,250 |
|---|---|
| Loan amount | $259,513 |
| Principal and interest | $1,746 |
| Property taxes (1.85% a year) | $407 |
| Homeowners insurance (our estimate, 0.5% a year) | $110 |
| FHA mortgage insurance | $117 |
| Total per month | $2,380 |
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Questions about home buying in Bellbrook
What is the median home value in Bellbrook?
About $264,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Bellbrook?
Homeowners pay a median $4,894 a year, which is about 1.85% 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 Bellbrook?
For the median home with 20% down at 7.11%, the payment is about $1,940 a month. Keeping that under 28% of gross income takes about $83,141 a year.
More about Bellbrook
- Mortgage Refinance in Bellbrook
- Debt Relief in Bellbrook
- Home Equity Loans in Bellbrook
- 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