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Beloit village, OH

ZIP 44609 — 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 44609

Median Home Value
$190,200
Median Rent
$488
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,222/mo PITI).

9%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

32.5 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 44609 in Beloit village, OH, a household would need roughly $52,000 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 $1,222. That sits below the local median household income ($62,738), 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
85.2%+30% vs US avg
x
Vacancy Rate
6.4%-38% vs US avg
x
Broadband Access
90.7%+4% vs US avg
x
4+ Bedrooms
3.9%-73% vs US avg
x
Built Pre-1939
13.3%+4% vs US avg
x
Built Post-2014
1.7%-75% vs US avg
x
Rent Burden >30%
2.6%-95% vs US avg
x
Mortgage-Free
53.1%+39% vs US avg
x
$190,200
Home Value
$488
Rent
1971
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached81.0%
  • 1-unit attached0.4%
  • 2-9 units3.2%
  • 10+ units0.2%
  • Mobile home & other15.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$190,200
Median rent$488
Owner-occupied85.2%
Vacant6.4%
Price-to-income3.0x
Est. income to buy$52,000