The typical owner-occupied home in Kirby is worth about $105,000, 51% below the Ohio median of $214,800 and 68% below the national median of $332,700. Owners pay a median $900 a year in property taxes, about 0.86% of their home's value, lower than the Ohio rate of 1.31%. The median household earns $65,625 a year, so the median home costs 1.6 times the median income (3.0 times for Ohio). 65% of occupied homes here are lived in by their owners, and 77% of those owners still have a mortgage.
Kirby at a glance
| Kirby | Ohio | U.S. | |
|---|---|---|---|
| Median home value | $105,000 | $214,800 | $332,700 |
| Median property tax paid per year | $900 | $2,822 | $3,119 |
| Property tax as a share of value | 0.86% | 1.31% | 0.94% |
| Median household income | $65,625 | $71,389 | $80,734 |
| Homes lived in by their owners | 65% | 67% | 65% |
| Owner homes with a mortgage | 77% | 61% | 61% |
| Median monthly costs, owners with a mortgage | $1,075 | $1,517 | $1,963 |
| Those costs as a share of the owners' income | 10.6% | 18.6% | 21.0% |
| Median rent | – | $1,034 | $1,413 |
| Rent as a share of renters' income | 18.3% | 28.3% | 30.6% |
| Median year homes were built | 1938 | 1970 | 1980 |
| Vacant homes | 9.8% | 8.1% | 10.1% |
| Population | 100 | 11,810,293 | 334,922,499 |
What a typical home costs per month in Kirby
At this week's average 30-year rate of 7.11%, buying the median Kirby home of $105,000 with 20% down costs about $684 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $859, 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 $29,317 for the 20%-down payment. That payment is 13% of the median Kirby household income of $65,625; at that income and 20% down, the 28% guideline points to a home of about $235,000.
| Down payment | $21,000 |
|---|---|
| Loan amount | $84,000 |
| Principal and interest | $565 |
| Property taxes (0.86% a year) | $75 |
| Homeowners insurance (our estimate, 0.5% a year) | $44 |
| PMI | $0 |
| Total per month | $684 |
Change the numbers in the calculator
| Down payment | $3,675 |
|---|---|
| Loan amount | $103,098 |
| Principal and interest | $694 |
| Property taxes (0.86% a year) | $75 |
| Homeowners insurance (our estimate, 0.5% a year) | $44 |
| FHA mortgage insurance | $46 |
| Total per month | $859 |
Change the numbers in the calculator
Questions about home buying in Kirby
What is the median home value in Kirby?
About $105,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Kirby?
Homeowners pay a median $900 a year, which is about 0.86% 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 Kirby?
For the median home with 20% down at 7.11%, the payment is about $684 a month. Keeping that under 28% of gross income takes about $29,317 a year.
More about Kirby
- Mortgage Refinance in Kirby
- Debt Relief in Kirby
- Home Equity Loans in Kirby
- 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