Cambridge, OH—43725
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Cambridge, OH
As of Oct '25, the median home price in Cambridge, OH is $164,000, with a year-over-year change of 2.7%. This indicates that home prices in Cambridge, OH are increasing. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $164,000 | 2.7% |
| Single Family | $164,000 | 3.1% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $137,000 | 0.7% |
3 Bed | $191,000 | 3.2% |
4 Bed | $233,000 | 2.2% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Cambridge, OH
As of July '25, Rentcast reports the average rent in Cambridge, OH is $963, with a year-over-year rent change of 2.6%. Per bedroom, the median rent as of July '25 in Cambridge, OH is 1-bedrooms: $779, 2-bedrooms: $988, 3-bedrooms: $1,390. The most common rental property sizes in Cambridge, OH are 2-bedroom and 3-bedroom, accounting for 43.7% and 22.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $900 | $963 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $750 | $779 |
| 2 Bed Rent | $900 | $988 |
| 3 Bed Rent | $1,250 | $1,390 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Cambridge, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Cambridge, OH is 62. This is a increase of 19.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 25.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $198,000 | 21.0% |
Listing Count | 73 | -11.0% |
| Listings as % of Homes | 0.5% | -11.0% |
Days on Market | 62 | 19.0% |
Demographics — Cambridge, OH
As of the latest ACS Survey released in 2023, Cambridge, OH has a population of 19,700, which has remained stable by 0.7% over the past 5 years. Cambridge, OH is a moderately popular place for families, as children make up 22.4% of the population. The area has a poorly educated workforce, with 16.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 3.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 19,700 | 0.7% |
% Under 18 | 22.4% | 1.8% |
% Seniors | 20.3% | 2.5% |
% WFH | 3.4% | 78.9% |
% w/ College Degree | 16.5% | 8.6% |
As of the latest ACS Survey released in 2023, Cambridge, OH is a predominantly white area, with 90.9% of the population identifying as white. The white population has shrunk by 1.9% in the last 5 years. The second most common race or ethnicity in Cambridge, OH is black, making up 2.9% of the population. Foreign-born residents account for 1.1% of the population in Cambridge, OH, and this percentage has increased by 37.5% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 90.9% | -1.9% |
% Black | 2.9% | 31.8% |
% Hispanic | 1.9% | 18.8% |
% Asian | 0.7% | 75.0% |
% Foreign Born | 1.1% | 37.5% |
Mortgage and Risk — Cambridge, OH
According to HUD data as of 2023, there were 436 mortgage originations in Cambridge, OH, of which 70.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 33.0% above 90% LTV (very high). This implies large mortgage risk in Cambridge, OH. Investor activity is low, as 3.0% of loans were by investors. 18.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 436 |
% Conventional Loans | 70.0% |
% Government Loans | 30.0% |
% Investor Loans | 3.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 18.0% |
Loan Activity
Rentals and Section 8 — Cambridge, OH
Cambridge, OH lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 924 |
Total Units Section 8 | 748 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 96.1% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$80 | $750 | $670 |
| 2 Bedroom | -$20 | $900 | $880 |
| 3 Bedroom | -$100 | $1,250 | $1,150 |
| 4 Bedroom | N/A | N/A | $1,380 |
Affordability — Cambridge, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.8 |
| Median Home Price | $164,000 |
| Median Household Income | $51,600 |