The typical owner-occupied home in Paulding is worth about $120,200, 44% below the Ohio median of $214,800 and 64% below the national median of $332,700. Owners pay a median $1,373 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 $53,750 a year, so the median home costs 2.2 times the median income (3.0 times for Ohio). 66% of occupied homes here are lived in by their owners, and 61% of those owners still have a mortgage.
Paulding at a glance
| Paulding | Ohio | U.S. | |
|---|---|---|---|
| Median home value | $120,200 | $214,800 | $332,700 |
| Median property tax paid per year | $1,373 | $2,822 | $3,119 |
| Property tax as a share of value | 1.14% | 1.31% | 0.94% |
| Median household income | $53,750 | $71,389 | $80,734 |
| Homes lived in by their owners | 66% | 67% | 65% |
| Owner homes with a mortgage | 61% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $976 | $1,517 | $1,963 |
| Those costs as a share of the owners' income | 18.1% | 18.6% | 21.0% |
| Median rent | $822 | $1,034 | $1,413 |
| Rent as a share of renters' income | 29.0% | 28.3% | 30.6% |
| Median year homes were built | 1964 | 1970 | 1980 |
| Vacant homes | 14.6% | 8.1% | 10.1% |
| Population | 3,230 | 11,810,293 | 334,922,499 |
What a typical home costs per month in Paulding
At this week's average 30-year rate of 7.11%, buying the median Paulding home of $120,200 with 20% down costs about $811 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,011, 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 $34,763 for the 20%-down payment. That payment is 18% of the median Paulding household income of $53,750; at that income and 20% down, the 28% guideline points to a home of about $186,000.
The median rent here is $822 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $24,040 |
|---|---|
| Loan amount | $96,160 |
| Principal and interest | $647 |
| Property taxes (1.14% a year) | $114 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| PMI | $0 |
| Total per month | $811 |
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| Down payment | $4,207 |
|---|---|
| Loan amount | $118,023 |
| Principal and interest | $794 |
| Property taxes (1.14% a year) | $114 |
| Homeowners insurance (our estimate, 0.5% a year) | $50 |
| FHA mortgage insurance | $53 |
| Total per month | $1,011 |
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Questions about home buying in Paulding
What is the median home value in Paulding?
About $120,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Paulding?
Homeowners pay a median $1,373 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 Paulding?
For the median home with 20% down at 7.11%, the payment is about $811 a month. Keeping that under 28% of gross income takes about $34,763 a year.
More about Paulding
- Mortgage Refinance in Paulding
- Debt Relief in Paulding
- Home Equity Loans in Paulding
- 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