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Chillicothe city, OH

ZIP 45601 — Housing & Real Estate

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

Working ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45601

Median Home Value
$160,800
Median Rent
$660
Affordability Snapshot
$44,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,033/mo PITI).

14%
Rent-to-Income Ratio

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

2.8x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

20.3 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 45601 in Chillicothe city, OH, a household would need roughly $44,000 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 $1,033. That sits below the local median household income ($57,430), 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
69.4%+6% vs US avg
x
Vacancy Rate
7.6%-26% vs US avg
x
Broadband Access
88.1%+1% vs US avg
x
4+ Bedrooms
2.6%-83% vs US avg
x
Built Pre-1939
6.6%-48% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
24.1%-51% vs US avg
x
Mortgage-Free
44.5%+17% vs US avg
x
$160,800
Home Value
$660
Rent
1970
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached71.0%
  • 1-unit attached2.3%
  • 2-9 units10.2%
  • 10+ units5.6%
  • Mobile home & other10.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$160,800
Median rent$660
Owner-occupied69.4%
Vacant7.6%
Price-to-income2.8x
Est. income to buy$44,000