Girard, OH—44420
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Girard, OH
As of Oct '25, the median home price in Girard, OH is $142,000, with a year-over-year change of 6.1%. This indicates that home prices in Girard, OH are increasing. According to Zillow, the 1-year price projection is 3.0%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $142,000 | 6.1% |
| Single Family | $141,000 | 7.6% |
| Condos | $206,000 | 21.9% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $102,000 | 6.2% |
3 Bed | $148,000 | 8.0% |
4 Bed | $224,000 | 9.3% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Girard, OH
As of July '25, Rentcast reports the average rent in Girard, OH is $1,290, with a year-over-year rent change of 5.7%. Per bedroom, the median rent as of July '25 in Girard, OH is 1-bedrooms: $833, 2-bedrooms: $1,130, 3-bedrooms: $1,490. The most common rental property sizes in Girard, OH are 2-bedroom and 3-bedroom, accounting for 35.6% and 35.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,400 | $1,290 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $825 | $833 |
| 2 Bed Rent | $1,050 | $1,130 |
| 3 Bed Rent | $1,400 | $1,490 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Girard, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Girard, OH is 53. This is a increase of 7.0% 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 13.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $163,000 | 15.0% |
Listing Count | 47 | 51.0% |
| Listings as % of Homes | 0.3% | 51.0% |
Days on Market | 53 | 7.0% |
Demographics — Girard, OH
As of the latest ACS Survey released in 2023, Girard, OH has a population of 15,100, which has increased by 1.8% over the past 5 years. Girard, OH is a moderately popular place for families, as children make up 22.7% of the population. The area has a poorly educated workforce, with 21.8% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 15,100 | 1.8% |
% Under 18 | 22.7% | 10.2% |
% Seniors | 17.9% | -4.8% |
% WFH | 5.0% | 284.6% |
% w/ College Degree | 21.8% | 4.3% |
As of the latest ACS Survey released in 2023, Girard, OH is a predominantly white area, with 89.2% of the population identifying as white. The white population has grown by 2.5% in the last 5 years. The second most common race or ethnicity in Girard, OH is hispanic, making up 3.3% of the population. Foreign-born residents account for 0.8% of the population in Girard, OH, and this percentage has decreased by 69.2% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 89.2% | 2.5% |
% Black | 2.9% | -52.5% |
% Hispanic | 3.3% | -2.9% |
% Asian | 0.0% | -100.0% |
% Foreign Born | 0.8% | -69.2% |
Mortgage and Risk — Girard, OH
According to HUD data as of 2023, there were 275 mortgage originations in Girard, OH, of which 72.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 34.0% above 90% LTV (very high). This implies large mortgage risk in Girard, OH. Investor activity is low, as 3.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 275 |
% Conventional Loans | 72.0% |
% Government Loans | 28.0% |
% Investor Loans | 3.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Girard, OH
Girard, OH lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 197 |
Total Units Section 8 | 89 |
% Rentals under Section 8 | 4.9% |
% Occupied Section 8 | 90.8% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$125 | $825 | $700 |
| 2 Bedroom | -$170 | $1,050 | $880 |
| 3 Bedroom | -$230 | $1,400 | $1,170 |
| 4 Bedroom | N/A | N/A | $1,240 |
Affordability — Girard, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.2 |
| Median Home Price | $142,000 |
| Median Household Income | $52,500 |