Mercer County, OH Average Home Price (2026)
The average home price in Mercer County, Ohio is about $245,000 (the 2026 median across 9 ZIP codes, at ~$175/sq ft) — 9% more expensive than the Ohio median and 15% more affordable than the typical U.S. home.
How Mercer County compares
Mercer County is about average for housing nationally: its typical home costs $245,000 against $225,500 for Ohio and $289,000 for the U.S. Within the county, ZIP-level values run from about $156,000 to $437,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Mercer County | $245,000 | $175 |
| Ohio | $225,500 | $160 |
| United States | $289,000 | $193 |
Mercer County home prices by ZIP code
The 9 most valuable ZIP codes in Mercer County (of 9 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 45860 Maria Stein | $437,000 | $319 | +78% |
| 45883 Saint Henry | $382,000 | $201 | +56% |
| 45846 Fort Recovery | $350,000 | $184 | +43% |
| 45828 Coldwater | $294,000 | $189 | +20% |
| 45822 Celina | $245,000 | $166 | +0% |
| 45310 Burkettsville | $230,000 | $121 | -6% |
| 45882 Rockford | $230,000 | $175 | -6% |
| 45862 Mendon | $180,000 | $133 | -27% |
| 45866 Montezuma | $156,000 | $82 | -36% |
Home value appreciation in Mercer County
Home prices in Mercer County have risen about 82% over the last 10 years (≈6.2% a year) and +88.8% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.9% — still rising. A home worth $245,000 today was worth roughly $134,320 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 Mercer County
Run the numbers for Mercer County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Mercer County
To buy the typical $245,000 home in Mercer County with 20% down, you need a household income of roughly $67,000 a year (about $1,560 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $79,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,300 | $1,930/mo | $83,000/yr |
| 10% (+PMI) | $24,500 | $1,850/mo | $79,000/yr |
| 20% | $49,000 | $1,560/mo | $67,000/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 Mercer County
At about $175 per square foot, here is roughly how much home different budgets get you in Mercer County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 860 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1140 sq ft | around the typical home here |
| $250k | 1430 sq ft | around the typical home here |
| $300k | 1710 sq ft | around the typical home here |
| $400k | 2290 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 Mercer County
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Mercer 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.