Adams County, OH Average Home Price (2026)
The average home price in Adams County, Ohio is about $188,500 (the 2026 median across 8 ZIP codes, at ~$174/sq ft) — 16% more affordable than the Ohio median and 35% more affordable than the typical U.S. home.
How Adams County compares
Adams County is relatively affordable for housing nationally: its typical home costs $188,500 against $225,500 for Ohio and $289,000 for the U.S. Within the county, ZIP-level values run from about $142,000 to $243,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Adams County | $188,500 | $174 |
| Ohio | $225,500 | $160 |
| United States | $289,000 | $193 |
Adams County home prices by ZIP code
The 8 most valuable ZIP codes in Adams County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 45697 Winchester | $243,000 | $180 | +29% |
| 45679 Seaman | $199,000 | $174 | +6% |
| 45616 Blue Creek | $198,000 | $233 | +5% |
| 45693 West Union | $192,000 | $167 | +2% |
| 45684 Blue Creek | $185,000 | $174 | -2% |
| 45660 Peebles | $184,000 | $151 | -2% |
| 45650 Lynx | $143,000 | $184 | -24% |
| 45144 Manchester | $142,000 | $153 | -25% |
Home value appreciation in Adams County
Home prices in Adams County have risen about 100% over the last 10 years (≈7.2% a year) and +98.7% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +17.6% — still rising. A home worth $188,500 today was worth roughly $94,109 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Ohio is +93.4% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Adams County
Run the numbers for Adams County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Adams County
To buy the typical $188,500 home in Adams County with 20% down, you need a household income of roughly $51,000 a year (about $1,200 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $61,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $9,400 | $1,490/mo | $64,000/yr |
| 10% (+PMI) | $18,900 | $1,420/mo | $61,000/yr |
| 20% | $37,700 | $1,200/mo | $51,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Adams County
At about $174 per square foot, here is roughly how much home different budgets get you in Adams County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 860 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1150 sq ft | around the typical home here |
| $250k | 1440 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 1720 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2300 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Ohio.
Estimate a specific home in Adams County
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Adams County home prices: frequently asked
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Browse all Ohio cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.