The typical owner-occupied home in Port Clinton is worth about $135,200, 47% below the Pennsylvania median of $254,500 and 59% below the national median of $332,700. Owners pay a median $1,987 a year in property taxes, about 1.47% of their home's value, higher than the Pennsylvania rate of 1.30%. The median household earns $61,563 a year, so the median home costs 2.2 times the median income (3.3 times for Pennsylvania). 71% of occupied homes here are lived in by their owners, and 44% of those owners still have a mortgage.
Port Clinton at a glance
| Port Clinton | Pennsylvania | U.S. | |
|---|---|---|---|
| Median home value | $135,200 | $254,500 | $332,700 |
| Median property tax paid per year | $1,987 | $3,311 | $3,119 |
| Property tax as a share of value | 1.47% | 1.30% | 0.94% |
| Median household income | $61,563 | $77,971 | $80,734 |
| Homes lived in by their owners | 71% | 69% | 65% |
| Owner homes with a mortgage | 44% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,175 | $1,762 | $1,963 |
| Those costs as a share of the owners' income | 17.5% | 19.4% | 21.0% |
| Median rent | $1,133 | $1,209 | $1,413 |
| Rent as a share of renters' income | 20.0% | 29.2% | 30.6% |
| Median year homes were built | 1938 | 1965 | 1980 |
| Vacant homes | 9.0% | 9.2% | 10.1% |
| Population | 271 | 13,018,639 | 334,922,499 |
What a typical home costs per month in Port Clinton
At this week's average 30-year rate of 7.11%, buying the median Port Clinton home of $135,200 with 20% down costs about $950 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,175, 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 $40,695 for the 20%-down payment. That payment is 19% of the median Port Clinton household income of $61,563; at that income and 20% down, the 28% guideline points to a home of about $205,000.
The median rent here is $1,133 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $27,040 |
|---|---|
| Loan amount | $108,160 |
| Principal and interest | $728 |
| Property taxes (1.47% a year) | $166 |
| Homeowners insurance (our estimate, 0.5% a year) | $56 |
| PMI | $0 |
| Total per month | $950 |
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| Down payment | $4,732 |
|---|---|
| Loan amount | $132,751 |
| Principal and interest | $893 |
| Property taxes (1.47% a year) | $166 |
| Homeowners insurance (our estimate, 0.5% a year) | $56 |
| FHA mortgage insurance | $60 |
| Total per month | $1,175 |
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Questions about home buying in Port Clinton
What is the median home value in Port Clinton?
About $135,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Port Clinton?
Homeowners pay a median $1,987 a year, which is about 1.47% 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 Port Clinton?
For the median home with 20% down at 7.11%, the payment is about $950 a month. Keeping that under 28% of gross income takes about $40,695 a year.
More about Port Clinton
- Mortgage Refinance in Port Clinton
- Debt Relief in Port Clinton
- Home Equity Loans in Port Clinton
- 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