The typical owner-occupied home in Dunkirk is worth about $99,200, 54% below the Ohio median of $214,800 and 70% below the national median of $332,700. Owners pay a median $1,133 a year in property taxes, about 1.14% of their home's value, lower than the Ohio rate of 1.31%. The median household earns $49,286 a year, so the median home costs 2.0 times the median income (3.0 times for Ohio). 75% of occupied homes here are lived in by their owners, and 60% of those owners still have a mortgage.
Dunkirk at a glance
| Dunkirk | Ohio | U.S. | |
|---|---|---|---|
| Median home value | $99,200 | $214,800 | $332,700 |
| Median property tax paid per year | $1,133 | $2,822 | $3,119 |
| Property tax as a share of value | 1.14% | 1.31% | 0.94% |
| Median household income | $49,286 | $71,389 | $80,734 |
| Homes lived in by their owners | 75% | 67% | 65% |
| Owner homes with a mortgage | 60% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,122 | $1,517 | $1,963 |
| Those costs as a share of the owners' income | 24.8% | 18.6% | 21.0% |
| Median rent | $814 | $1,034 | $1,413 |
| Rent as a share of renters' income | 21.7% | 28.3% | 30.6% |
| Median year homes were built | 1938 | 1970 | 1980 |
| Vacant homes | 14.1% | 8.1% | 10.1% |
| Population | 839 | 11,810,293 | 334,922,499 |
What a typical home costs per month in Dunkirk
At this week's average 30-year rate of 7.11%, buying the median Dunkirk home of $99,200 with 20% down costs about $669 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $835, 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 $28,690 for the 20%-down payment. That payment is 16% of the median Dunkirk household income of $49,286; at that income and 20% down, the 28% guideline points to a home of about $170,000.
The median rent here is $814 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $19,840 |
|---|---|
| Loan amount | $79,360 |
| Principal and interest | $534 |
| Property taxes (1.14% a year) | $94 |
| Homeowners insurance (our estimate, 0.5% a year) | $41 |
| PMI | $0 |
| Total per month | $669 |
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| Down payment | $3,472 |
|---|---|
| Loan amount | $97,403 |
| Principal and interest | $655 |
| Property taxes (1.14% a year) | $94 |
| Homeowners insurance (our estimate, 0.5% a year) | $41 |
| FHA mortgage insurance | $44 |
| Total per month | $835 |
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Questions about home buying in Dunkirk
What is the median home value in Dunkirk?
About $99,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Dunkirk?
Homeowners pay a median $1,133 a year, which is about 1.14% 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 Dunkirk?
For the median home with 20% down at 7.11%, the payment is about $669 a month. Keeping that under 28% of gross income takes about $28,690 a year.
More about Dunkirk
- Mortgage Refinance in Dunkirk
- Debt Relief in Dunkirk
- Home Equity Loans in Dunkirk
- 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