Champaign County, OH Average Home Price (2026)
The average home price in Champaign County, Ohio is about $250,000 (the 2026 median across 9 ZIP codes, at ~$187/sq ft) — 11% more expensive than the Ohio median and 13% more affordable than the typical U.S. home.
How Champaign County compares
Champaign County is about average for housing nationally: its typical home costs $250,000 against $225,500 for Ohio and $289,000 for the U.S. Within the county, ZIP-level values run from about $158,000 to $345,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Champaign County | $250,000 | $187 |
| Ohio | $225,500 | $160 |
| United States | $289,000 | $193 |
Cities in Champaign County
Cities with their own home-value page, largest first:
Champaign County home prices by ZIP code
The 9 most valuable ZIP codes in Champaign County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 43009 Cable | $345,000 | $215 | +38% |
| 43044 Woodstock | $284,000 | $202 | +14% |
| 43060 Woodstock | $266,000 | $228 | +6% |
| 43084 Woodstock | $263,000 | $278 | +5% |
| 43072 Saint Paris | $250,000 | $187 | +0% |
| 43078 Urbana | $243,000 | $163 | -3% |
| 45317 Conover | $228,000 | $171 | -9% |
| 43070 Rosewood | $188,000 | $99 | -25% |
| 45389 Christiansburg | $158,000 | $132 | -37% |
Home value appreciation in Champaign County
Home prices in Champaign County have risen about 105% over the last 10 years (≈7.5% a year) and +94.8% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.2% — still rising. A home worth $250,000 today was worth roughly $121,832 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 Champaign County
Run the numbers for Champaign County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Champaign County
To buy the typical $250,000 home in Champaign County with 20% down, you need a household income of roughly $68,000 a year (about $1,590 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $81,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,500 | $1,970/mo | $85,000/yr |
| 10% (+PMI) | $25,000 | $1,890/mo | $81,000/yr |
| 20% | $50,000 | $1,590/mo | $68,000/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 Champaign County
At about $187 per square foot, here is roughly how much home different budgets get you in Champaign County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 800 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1070 sq ft | around the typical home here |
| $250k | 1340 sq ft | around the typical home here |
| $300k | 1600 sq ft | around the typical home here |
| $400k | 2140 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 Champaign County
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Champaign 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.