Guernsey County, OH Average Home Price (2026)
The average home price in Guernsey County, Ohio is about $176,500 (the 2026 median across 8 ZIP codes, at ~$135/sq ft) — 22% more affordable than the Ohio median and 39% more affordable than the typical U.S. home.
How Guernsey County compares
Guernsey County is relatively affordable for housing nationally: its typical home costs $176,500 against $225,500 for Ohio and $289,000 for the U.S. Within the county, ZIP-level values run from about $138,000 to $215,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Guernsey County | $176,500 | $135 |
| Ohio | $225,500 | $160 |
| United States | $289,000 | $193 |
Guernsey County home prices by ZIP code
The 8 most valuable ZIP codes in Guernsey County (of 8 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 43778 Salesville | $215,000 | $279 | +22% |
| 43732 Cumberland | $199,000 | $135 | +13% |
| 43773 Quaker City | $184,000 | $102 | +4% |
| 43755 Lore City | $179,000 | $135 | +1% |
| 43725 Cambridge | $174,000 | $116 | -1% |
| 43780 Senecaville | $166,000 | $221 | -6% |
| 43723 Byesville | $156,000 | $119 | -12% |
| 43749 Kimbolton | $138,000 | $137 | -22% |
Home value appreciation in Guernsey County
Home prices in Guernsey County have risen about 73% over the last 10 years (≈5.6% a year) and +94.4% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +7.8% — still rising. A home worth $176,500 today was worth roughly $102,023 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 Guernsey County
Run the numbers for Guernsey County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Guernsey County
To buy the typical $176,500 home in Guernsey County with 20% down, you need a household income of roughly $48,000 a year (about $1,120 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $57,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $8,800 | $1,390/mo | $60,000/yr |
| 10% (+PMI) | $17,700 | $1,330/mo | $57,000/yr |
| 20% | $35,300 | $1,120/mo | $48,000/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 Guernsey County
At about $135 per square foot, here is roughly how much home different budgets get you in Guernsey County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 1110 sq ft | around the typical home here |
| $200k | 1480 sq ft | around the typical home here |
| $250k | 1850 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 2220 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2960 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 Guernsey County
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Guernsey 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.