The typical owner-occupied home in Youngstown is worth about $63,300, 71% below the Ohio median of $214,800 and 81% below the national median of $332,700. Owners pay a median $811 a year in property taxes, about 1.28% of their home's value, close to the Ohio rate of 1.31%. The median household earns $34,408 a year, so the median home costs 1.8 times the median income (3.0 times for Ohio). 56% of occupied homes here are lived in by their owners, and 39% of those owners still have a mortgage.
Youngstown at a glance
| Youngstown | Ohio | U.S. | |
|---|---|---|---|
| Median home value | $63,300 | $214,800 | $332,700 |
| Median property tax paid per year | $811 | $2,822 | $3,119 |
| Property tax as a share of value | 1.28% | 1.31% | 0.94% |
| Median household income | $34,408 | $71,389 | $80,734 |
| Homes lived in by their owners | 56% | 67% | 65% |
| Owner homes with a mortgage | 39% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $916 | $1,517 | $1,963 |
| Those costs as a share of the owners' income | 18.4% | 18.6% | 21.0% |
| Median rent | $728 | $1,034 | $1,413 |
| Rent as a share of renters' income | 34.3% | 28.3% | 30.6% |
| Median year homes were built | 1950 | 1970 | 1980 |
| Vacant homes | 15.0% | 8.1% | 10.1% |
| Population | 59,331 | 11,810,293 | 334,922,499 |
What a typical home costs per month in Youngstown
At this week's average 30-year rate of 7.11%, buying the median Youngstown home of $63,300 with 20% down costs about $435 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $540, 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 $18,624 for the 20%-down payment. That payment is 15% of the median Youngstown household income of $34,408; at that income and 20% down, the 28% guideline points to a home of about $117,000.
The median rent here is $728 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $12,660 |
|---|---|
| Loan amount | $50,640 |
| Principal and interest | $341 |
| Property taxes (1.28% a year) | $68 |
| Homeowners insurance (our estimate, 0.5% a year) | $26 |
| PMI | $0 |
| Total per month | $435 |
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| Down payment | $2,216 |
|---|---|
| Loan amount | $62,153 |
| Principal and interest | $418 |
| Property taxes (1.28% a year) | $68 |
| Homeowners insurance (our estimate, 0.5% a year) | $26 |
| FHA mortgage insurance | $28 |
| Total per month | $540 |
Change the numbers in the calculator
Questions about home buying in Youngstown
What is the median home value in Youngstown?
About $63,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Youngstown?
Homeowners pay a median $811 a year, which is about 1.28% 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 Youngstown?
For the median home with 20% down at 7.11%, the payment is about $435 a month. Keeping that under 28% of gross income takes about $18,624 a year.
More about Youngstown
- Mortgage Refinance in Youngstown
- Debt Relief in Youngstown
- Home Equity Loans in Youngstown
- 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