Findlay, OH—45840
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Findlay, OH
As of Oct '25, the median home price in Findlay, OH is $235,000, with a year-over-year change of 3.5%. This indicates that home prices in Findlay, OH are increasing. According to Zillow, the 1-year price projection is 1.1%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $235,000 | 3.5% |
| Single Family | $234,000 | 3.1% |
| Condos | $245,000 | 4.7% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | $123,000 | 0.0% |
2 Bed | $163,000 | 3.8% |
3 Bed | $233,000 | 3.6% |
4 Bed | $332,000 | 3.1% |
| 5 Bed | $413,000 | 2.0% |
% of Housing Stock
Rental Trends — Findlay, OH
As of July '25, Rentcast reports the average rent in Findlay, OH is $1,360, with a year-over-year rent change of 4.6%. Per bedroom, the median rent as of July '25 in Findlay, OH is studios: $2,160, 1-bedrooms: $882, 2-bedrooms: $1,480, 3-bedrooms: $1,550, 4-bedrooms: $2,250. The most common rental property sizes in Findlay, OH are 2-bedroom and 1-bedroom, accounting for 42.1% and 28.6% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,250 | $1,360 |
| Studio Rent | $2,160 | $2,160 |
| 1 Bed Rent | $750 | $882 |
| 2 Bed Rent | $1,400 | $1,480 |
| 3 Bed Rent | $1,250 | $1,550 |
| 4 Bed Rent | $2,250 | $2,250 |
% of Rental Stock
Property Listings — Findlay, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Findlay, OH is 39. This is a increase of 8.0% 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 29.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $271,000 | 7.0% |
Listing Count | 188 | -1.0% |
| Listings as % of Homes | 0.4% | -1.0% |
Days on Market | 39 | 8.0% |
Demographics — Findlay, OH
As of the latest ACS Survey released in 2023, Findlay, OH has a population of 54,300, which has decreased by -2.6% over the past 5 years. Findlay, OH is a moderately popular place for families, as children make up 20.4% of the population. The area has a moderately educated workforce, with 32.5% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 9.6% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 54,300 | -2.6% |
% Under 18 | 20.4% | -5.1% |
% Seniors | 18.4% | 16.5% |
% WFH | 9.6% | 255.6% |
% w/ College Degree | 32.5% | 10.9% |
As of the latest ACS Survey released in 2023, Findlay, OH is a predominantly white area, with 85.4% of the population identifying as white. The white population has shrunk by 2.3% in the last 5 years. The second most common race or ethnicity in Findlay, OH is hispanic, making up 6.4% of the population. Foreign-born residents account for 4.2% of the population in Findlay, OH, and this percentage has decreased by 14.3% 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 | 85.4% | -2.3% |
% Black | 2.4% | 33.3% |
% Hispanic | 6.4% | 1.6% |
% Asian | 2.5% | 0.0% |
% Foreign Born | 4.2% | -14.3% |
Mortgage and Risk — Findlay, OH
According to HUD data as of 2023, there were 998 mortgage originations in Findlay, OH, of which 78.0% of loans were conventional mortgages. The average loan-to-value was 68.0%, with 32.0% above 90% LTV (very high). This implies large mortgage risk in Findlay, OH. Investor activity is low, as 2.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 998 |
% Conventional Loans | 78.0% |
% Government Loans | 22.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Findlay, OH
Findlay, OH lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 998 |
Total Units Section 8 | 990 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 78.2% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $20 | $750 | $770 |
| 2 Bedroom | -$390 | $1,400 | $1,010 |
| 3 Bedroom | $60 | $1,250 | $1,310 |
| 4 Bedroom | -$710 | $2,250 | $1,540 |
Affordability — Findlay, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.2 |
| Median Home Price | $235,000 |
| Median Household Income | $64,100 |