Miami County, OH Average Home Price (2026)
The average home price in Miami County, Ohio is about $256,500 (the 2026 median across 10 ZIP codes, at ~$173/sq ft) — 14% more expensive than the Ohio median and 11% more affordable than the typical U.S. home.
How Miami County compares
Miami County is about average for housing nationally: its typical home costs $256,500 against $225,500 for Ohio and $289,000 for the U.S. Within the county, ZIP-level values run from about $182,000 to $359,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Miami County | $256,500 | $173 |
| Ohio | $225,500 | $160 |
| United States | $289,000 | $193 |
Miami County home prices by ZIP code
The 10 most valuable ZIP codes in Miami County (of 10 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 45312 Casstown | $359,000 | $231 | +40% |
| 45371 Tipp City | $350,000 | $170 | +36% |
| 45339 Ludlow Falls | $333,000 | $150 | +30% |
| 45373 Troy | $282,000 | $183 | +10% |
| 45337 Laura | $260,000 | $176 | +1% |
| 45326 Fletcher | $253,000 | $189 | -1% |
| 45359 Pleasant Hill | $247,000 | $169 | -4% |
| 45318 Covington | $240,000 | $215 | -6% |
| 45383 West Milton | $236,000 | $169 | -8% |
| 45356 Piqua | $182,000 | $151 | -29% |
Home value appreciation in Miami County
Home prices in Miami County have risen about 95% over the last 10 years (≈6.9% a year) and +82.2% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.0% — still rising. A home worth $256,500 today was worth roughly $131,606 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 Miami County
Run the numbers for Miami County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Miami County
To buy the typical $256,500 home in Miami County with 20% down, you need a household income of roughly $70,000 a year (about $1,630 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $83,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,800 | $2,020/mo | $87,000/yr |
| 10% (+PMI) | $25,700 | $1,930/mo | $83,000/yr |
| 20% | $51,300 | $1,630/mo | $70,000/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 Miami County
At about $173 per square foot, here is roughly how much home different budgets get you in Miami County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 870 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1160 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1450 sq ft | around the typical home here |
| $300k | 1730 sq ft | around the typical home here |
| $400k | 2310 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 Miami County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Miami County home prices: frequently asked
What is the average home price in Miami County, OH? +
What salary do you need to buy a house in Miami County? +
Which part of Miami County is most expensive? +
Are home values in Miami County going up? +
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.