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Vermilion city, OH

ZIP 44089 — 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 44089

Median Home Value
$197,900
Median Rent
$792
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,271/mo PITI).

13%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.8 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 44089 in Vermilion city, OH, a household would need roughly $54,000 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 $1,271. That sits below the local median household income ($72,045), 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

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
81.4%+24% vs US avg
x
Vacancy Rate
13.3%+29% vs US avg
x
Broadband Access
86.3%-1% vs US avg
x
4+ Bedrooms
3.0%-80% vs US avg
x
Built Pre-1939
4.9%-62% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
15.1%-70% vs US avg
x
Mortgage-Free
41.1%+8% vs US avg
x
$197,900
Home Value
$792
Rent
1970
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached81.6%
  • 1-unit attached4.0%
  • 2-9 units8.1%
  • 10+ units2.8%
  • Mobile home & other3.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$197,900
Median rent$792
Owner-occupied81.4%
Vacant13.3%
Price-to-income2.7x
Est. income to buy$54,000