Ottawa County, OH Average Home Price (2026)
The average home price in Ottawa County, Ohio is about $234,500 (the 2026 median across 12 ZIP codes, at ~$187/sq ft) — 4% more expensive than the Ohio median and 19% more affordable than the typical U.S. home.
How Ottawa County compares
Ottawa County is about average for housing nationally: its typical home costs $234,500 against $225,500 for Ohio and $289,000 for the U.S. Within the county, ZIP-level values run from about $106,000 to $444,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Ottawa County | $234,500 | $187 |
| Ohio | $225,500 | $160 |
| United States | $289,000 | $193 |
Ottawa County home prices by ZIP code
The 12 most valuable ZIP codes in Ottawa County (of 12 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 43456 Put in Bay | $444,000 | $385 | +89% |
| 43440 Lakeside | $381,000 | $338 | +62% |
| 43446 Middle Bass | $303,000 | $281 | +29% |
| 43452 Port Clinton | $283,000 | $304 | +21% |
| 43432 Graytown | $261,000 | $232 | +11% |
| 43468 Williston | $243,000 | $128 | +4% |
| 43445 Martin | $226,000 | $181 | -4% |
| 43416 Elmore | $225,000 | $188 | -4% |
| 43449 Oak Harbor | $212,000 | $185 | -10% |
| 43430 Genoa | $211,000 | $161 | -10% |
| 43458 Rocky Ridge | $156,000 | $82 | -33% |
| 43408 Clay Center | $106,000 | $56 | -55% |
Home value appreciation in Ottawa County
Home prices in Ottawa County have risen about 90% over the last 10 years (≈6.6% a year) and +72.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +8.3% — still rising. A home worth $234,500 today was worth roughly $123,421 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 Ottawa County
Run the numbers for Ottawa County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Ottawa County
To buy the typical $234,500 home in Ottawa County with 20% down, you need a household income of roughly $64,000 a year (about $1,490 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $76,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,700 | $1,850/mo | $79,000/yr |
| 10% (+PMI) | $23,500 | $1,770/mo | $76,000/yr |
| 20% | $46,900 | $1,490/mo | $64,000/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 Ottawa County
At about $187 per square foot, here is roughly how much home different budgets get you in Ottawa 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 Ottawa County
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Ottawa 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.