The typical owner-occupied home in Holgate is worth about $100,800, 53% below the Ohio median of $214,800 and 70% below the national median of $332,700. Owners pay a median $1,161 a year in property taxes, about 1.15% of their home's value, lower than the Ohio rate of 1.31%. The median household earns $50,690 a year, so the median home costs 2.0 times the median income (3.0 times for Ohio). 86% of occupied homes here are lived in by their owners, and 45% of those owners still have a mortgage.
Holgate at a glance
| Holgate | Ohio | U.S. | |
|---|---|---|---|
| Median home value | $100,800 | $214,800 | $332,700 |
| Median property tax paid per year | $1,161 | $2,822 | $3,119 |
| Property tax as a share of value | 1.15% | 1.31% | 0.94% |
| Median household income | $50,690 | $71,389 | $80,734 |
| Homes lived in by their owners | 86% | 67% | 65% |
| Owner homes with a mortgage | 45% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $996 | $1,517 | $1,963 |
| Those costs as a share of the owners' income | 19.1% | 18.6% | 21.0% |
| Median rent | $684 | $1,034 | $1,413 |
| Rent as a share of renters' income | 14.7% | 28.3% | 30.6% |
| Median year homes were built | 1955 | 1970 | 1980 |
| Vacant homes | 9.9% | 8.1% | 10.1% |
| Population | 1,012 | 11,810,293 | 334,922,499 |
What a typical home costs per month in Holgate
At this week's average 30-year rate of 7.11%, buying the median Holgate home of $100,800 with 20% down costs about $681 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $849, 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 $29,189 for the 20%-down payment. That payment is 16% of the median Holgate household income of $50,690; at that income and 20% down, the 28% guideline points to a home of about $175,000.
The median rent here is $684 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $20,160 |
|---|---|
| Loan amount | $80,640 |
| Principal and interest | $542 |
| Property taxes (1.15% a year) | $97 |
| Homeowners insurance (our estimate, 0.5% a year) | $42 |
| PMI | $0 |
| Total per month | $681 |
Change the numbers in the calculator
| Down payment | $3,528 |
|---|---|
| Loan amount | $98,974 |
| Principal and interest | $666 |
| Property taxes (1.15% a year) | $97 |
| Homeowners insurance (our estimate, 0.5% a year) | $42 |
| FHA mortgage insurance | $45 |
| Total per month | $849 |
Change the numbers in the calculator
Questions about home buying in Holgate
What is the median home value in Holgate?
About $100,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Holgate?
Homeowners pay a median $1,161 a year, which is about 1.15% 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 Holgate?
For the median home with 20% down at 7.11%, the payment is about $681 a month. Keeping that under 28% of gross income takes about $29,189 a year.
More about Holgate
- Mortgage Refinance in Holgate
- Debt Relief in Holgate
- Home Equity Loans in Holgate
- 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