The typical owner-occupied home in Cecil is worth about $45,000, 79% below the Ohio median of $214,800 and 86% below the national median of $332,700. The median household earns $76,250 a year, so the median home costs 0.6 times the median income (3.0 times for Ohio). 98% of occupied homes here are lived in by their owners, and 27% of those owners still have a mortgage.
Cecil at a glance
| Cecil | Ohio | U.S. | |
|---|---|---|---|
| Median home value | $45,000 | $214,800 | $332,700 |
| Median property tax paid per year | – | $2,822 | $3,119 |
| Median household income | $76,250 | $71,389 | $80,734 |
| Homes lived in by their owners | 98% | 67% | 65% |
| Owner homes with a mortgage | 27% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $900 | $1,517 | $1,963 |
| Those costs as a share of the owners' income | 14.0% | 18.6% | 21.0% |
| Median rent | – | $1,034 | $1,413 |
| Median year homes were built | 1952 | 1970 | 1980 |
| Vacant homes | 20.8% | 8.1% | 10.1% |
| Population | 138 | 11,810,293 | 334,922,499 |
What a typical home costs per month in Cecil
At this week's average 30-year rate of 7.11%, buying the median Cecil home of $45,000 with 20% down costs about $302 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $377, 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 $12,950 for the 20%-down payment. That payment is 5% of the median Cecil household income of $76,250; at that income and 20% down, the 28% guideline points to a home of about $265,000.
| Down payment | $9,000 |
|---|---|
| Loan amount | $36,000 |
| Principal and interest | $242 |
| Property taxes (1.10% a year) | $41 |
| Homeowners insurance (our estimate, 0.5% a year) | $19 |
| PMI | $0 |
| Total per month | $302 |
Change the numbers in the calculator
| Down payment | $1,575 |
|---|---|
| Loan amount | $44,185 |
| Principal and interest | $297 |
| Property taxes (1.10% a year) | $41 |
| Homeowners insurance (our estimate, 0.5% a year) | $19 |
| FHA mortgage insurance | $20 |
| Total per month | $377 |
Change the numbers in the calculator
Questions about home buying in Cecil
What is the median home value in Cecil?
About $45,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Cecil?
For the median home with 20% down at 7.11%, the payment is about $302 a month. Keeping that under 28% of gross income takes about $12,950 a year.
More about Cecil
- Mortgage Refinance in Cecil
- Debt Relief in Cecil
- Home Equity Loans in Cecil
- 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