The typical owner-occupied home in Guernsey County 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 $1,593 a year in property taxes, about 1.01% of their home's value, lower than the Ohio rate of 1.31%. The median household earns $58,478 a year, so the median home costs 2.7 times the median income (3.0 times for Ohio). 72% of occupied homes here are lived in by their owners, and 53% of those owners still have a mortgage.
Guernsey County at a glance
| Guernsey County | Ohio | U.S. | |
|---|---|---|---|
| Median home value | $157,700 | $214,800 | $332,700 |
| Median property tax paid per year | $1,593 | $2,822 | $3,119 |
| Property tax as a share of value | 1.01% | 1.31% | 0.94% |
| Median household income | $58,478 | $71,389 | $80,734 |
| Homes lived in by their owners | 72% | 67% | 65% |
| Owner homes with a mortgage | 53% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,237 | $1,517 | $1,963 |
| Those costs as a share of the owners' income | 19.6% | 18.6% | 21.0% |
| Median rent | $864 | $1,034 | $1,413 |
| Rent as a share of renters' income | 28.8% | 28.3% | 30.6% |
| Median year homes were built | 1972 | 1970 | 1980 |
| Vacant homes | 14.3% | 8.1% | 10.1% |
| Population | 38,223 | 11,810,293 | 334,922,499 |
What a typical home costs per month in Guernsey County
At this week's average 30-year rate of 7.11%, buying the median Guernsey County home of $157,700 with 20% down costs about $1,047 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,310, 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 $44,877 for the 20%-down payment. That payment is 21% of the median Guernsey County household income of $58,478; at that income and 20% down, the 28% guideline points to a home of about $205,000.
The median rent here is $864 a month, so owning the median home costs about $183 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $31,540 |
|---|---|
| Loan amount | $126,160 |
| Principal and interest | $849 |
| Property taxes (1.01% a year) | $133 |
| Homeowners insurance (our estimate, 0.5% a year) | $66 |
| PMI | $0 |
| Total per month | $1,047 |
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| Down payment | $5,520 |
|---|---|
| Loan amount | $154,844 |
| Principal and interest | $1,042 |
| Property taxes (1.01% a year) | $133 |
| Homeowners insurance (our estimate, 0.5% a year) | $66 |
| FHA mortgage insurance | $70 |
| Total per month | $1,310 |
Change the numbers in the calculator
Questions about home buying in Guernsey County
What is the median home value in Guernsey County?
About $157,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Guernsey County?
Homeowners pay a median $1,593 a year, which is about 1.01% 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 Guernsey County?
For the median home with 20% down at 7.11%, the payment is about $1,047 a month. Keeping that under 28% of gross income takes about $44,877 a year.
More about Guernsey County
- Mortgage Refinance in Guernsey County
- Debt Relief in Guernsey County
- Home Equity Loans in Guernsey County
- 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