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Urbana city, OH

ZIP 43078 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 43078

Median Home Value
$176,300
Median Rent
$704
Affordability Snapshot
$49,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,133/mo PITI).

12%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 43078 in Urbana city, OH, a household would need roughly $49,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,133. That sits below the local median household income ($72,500), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
73.7%+13% vs US avg
x
Vacancy Rate
8.4%-19% vs US avg
x
Broadband Access
89.5%+3% vs US avg
x
4+ Bedrooms
3.9%-73% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
9.9%-80% vs US avg
x
Mortgage-Free
44.1%+15% vs US avg
x
$176,300
Home Value
$704
Rent
1966
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached75.6%
  • 1-unit attached2.3%
  • 2-9 units12.7%
  • 10+ units4.0%
  • Mobile home & other5.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$176,300
Median rent$704
Owner-occupied73.7%
Vacant8.4%
Price-to-income2.4x
Est. income to buy$49,000