The typical owner-occupied home in Haviland is worth about $89,200, 58% below the Ohio median of $214,800 and 73% below the national median of $332,700. Owners pay a median $1,096 a year in property taxes, about 1.23% of their home's value, lower than the Ohio rate of 1.31%. The median household earns $74,500 a year, so the median home costs 1.2 times the median income (3.0 times for Ohio). 74% of occupied homes here are lived in by their owners, and 32% of those owners still have a mortgage.
Haviland at a glance
| Haviland | Ohio | U.S. | |
|---|---|---|---|
| Median home value | $89,200 | $214,800 | $332,700 |
| Median property tax paid per year | $1,096 | $2,822 | $3,119 |
| Property tax as a share of value | 1.23% | 1.31% | 0.94% |
| Median household income | $74,500 | $71,389 | $80,734 |
| Homes lived in by their owners | 74% | 67% | 65% |
| Owner homes with a mortgage | 32% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $763 | $1,517 | $1,963 |
| Those costs as a share of the owners' income | 14.2% | 18.6% | 21.0% |
| Median rent | $725 | $1,034 | $1,413 |
| Rent as a share of renters' income | 13.5% | 28.3% | 30.6% |
| Median year homes were built | 1954 | 1970 | 1980 |
| Vacant homes | 23.9% | 8.1% | 10.1% |
| Population | 186 | 11,810,293 | 334,922,499 |
What a typical home costs per month in Haviland
At this week's average 30-year rate of 7.11%, buying the median Haviland home of $89,200 with 20% down costs about $609 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $757, 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 $26,085 for the 20%-down payment. That payment is 10% of the median Haviland household income of $74,500; at that income and 20% down, the 28% guideline points to a home of about $255,000.
The median rent here is $725 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $17,840 |
|---|---|
| Loan amount | $71,360 |
| Principal and interest | $480 |
| Property taxes (1.23% a year) | $91 |
| Homeowners insurance (our estimate, 0.5% a year) | $37 |
| PMI | $0 |
| Total per month | $609 |
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| Down payment | $3,122 |
|---|---|
| Loan amount | $87,584 |
| Principal and interest | $589 |
| Property taxes (1.23% a year) | $91 |
| Homeowners insurance (our estimate, 0.5% a year) | $37 |
| FHA mortgage insurance | $39 |
| Total per month | $757 |
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Questions about home buying in Haviland
What is the median home value in Haviland?
About $89,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Haviland?
Homeowners pay a median $1,096 a year, which is about 1.23% 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 Haviland?
For the median home with 20% down at 7.11%, the payment is about $609 a month. Keeping that under 28% of gross income takes about $26,085 a year.
More about Haviland
- Mortgage Refinance in Haviland
- Debt Relief in Haviland
- Home Equity Loans in Haviland
- 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