What income do you need to buy a house in Holgate, OH?

It takes about $54,000/yr to afford the typical Holgate, OH home ($179K, +8.4% past year) at today's rates. Starter homes run around $109K. See if you can afford a house in Holgate (2026 data) — free, no signup.

Market snapshot (2026-07)

• Income needed to buy the typical home: about $54,000/yr (28% front-end ratio, 20% down, 6.76% 30-yr fixed, OH property tax and insurance)
• Typical home value: $179K (Zillow ZHVI, 2026-07)
• 1-year change: +8.4%
• Bottom 35% of homes: $109K
• Top 35% of homes start around: $298K
• Median household income: $51K
• Price-to-income ratio: 3.5
• Estimated payment on the typical home: $930/mo principal & interest (20% down, 6.76% 30-yr fixed)

Nearby housing markets

• Napoleon, OH — typical home $219K
• Defiance, OH — typical home $188K
• Wauseon, OH — typical home $234K
• Bowling Green, OH — typical home $269K
• Bryan, OH — typical home $195K
• Waterville, OH — typical home $349K

The most affordable cities to buy a house in Ohio

Home values are Zillow Group public data (ZHVI, updated monthly); income and population are US Census Bureau ACS 5-year estimates. Estimates only — not financial advice.

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