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Ottoville village, OH

ZIP 45876 — 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 45876

Median Home Value
$231,700
Median Rent
$750
Affordability Snapshot
$64,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,488/mo PITI).

12%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

25.7 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 45876 in Ottoville village, OH, a household would need roughly $64,000 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 $1,488. That sits below the local median household income ($75,250), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
87.3%+33% vs US avg
x
Vacancy Rate
2.3%-78% vs US avg
x
Broadband Access
89.9%+3% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
0.0%
x
Mortgage-Free
45.8%+20% vs US avg
x
$231,700
Home Value
$750
Rent
1985
Year Built
2004
Moved In

Residents have lived here since ~2004 on average

Housing Structure

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

  • 1-unit detached95.4%
  • 1-unit attached0.0%
  • 2-9 units4.6%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$231,700
Median rent$750
Owner-occupied87.3%
Vacant2.3%
Price-to-income3.1x
Est. income to buy$64,000