Allen County, OH Average Home Price (2026)
The average home price in Allen County, Ohio is about $201,000 (the 2026 median across 12 ZIP codes, at ~$131/sq ft) — 11% more affordable than the Ohio median and 30% more affordable than the typical U.S. home.
How Allen County compares
Allen County is relatively affordable for housing nationally: its typical home costs $201,000 against $225,500 for Ohio and $289,000 for the U.S. Within the county, ZIP-level values run from about $75,000 to $275,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Allen County | $201,000 | $131 |
| Ohio | $225,500 | $160 |
| United States | $289,000 | $193 |
Cities in Allen County
Cities with their own home-value page, largest first:
Allen County home prices by ZIP code
The 12 most valuable ZIP codes in Allen County (of 12 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 45817 Bluffton | $275,000 | $159 | +37% |
| 45854 Lafayette | $274,000 | $144 | +36% |
| 45807 Delphos | $258,000 | $172 | +28% |
| 45850 Harrod | $241,000 | $130 | +20% |
| 45806 Fort Shawnee | $237,000 | $161 | +18% |
| 45887 Spencerville | $203,000 | $138 | +1% |
| 45833 Delphos | $199,000 | $112 | -1% |
| 45805 Lima | $194,000 | $128 | -3% |
| 45820 Cairo | $143,000 | $132 | -29% |
| 45801 Lima | $142,000 | $106 | -29% |
| 45808 Beaverdam | $122,000 | $130 | -39% |
| 45804 Lima | $75,000 | $112 | -63% |
Home value appreciation in Allen County
Home prices in Allen County have risen about 84% over the last 10 years (≈6.3% a year) and +75.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +7.7% — still rising. A home worth $201,000 today was worth roughly $109,061 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 Allen County
Run the numbers for Allen County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Allen County
To buy the typical $201,000 home in Allen County with 20% down, you need a household income of roughly $55,000 a year (about $1,280 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $65,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,100 | $1,590/mo | $68,000/yr |
| 10% (+PMI) | $20,100 | $1,520/mo | $65,000/yr |
| 20% | $40,200 | $1,280/mo | $55,000/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 Allen County
At about $131 per square foot, here is roughly how much home different budgets get you in Allen County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1150 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1530 sq ft | around the typical home here |
| $250k | 1910 sq ft | around the typical home here |
| $300k | 2290 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 3050 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 Allen County
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Allen 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.