US5.com
  1. Home
  2. States
  3. Ohio
  4. ZIP 45885
  5. Housing & Real Estate
St. Marys city, OH

ZIP 45885 — 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 45885

Median Home Value
$153,900
Median Rent
$685
Affordability Snapshot
$42,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$989/mo PITI).

11%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

18.7 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 45885 in St. Marys city, OH, a household would need roughly $42,000 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 $989. That sits below the local median household income ($75,054), 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
75.5%+15% vs US avg
x
Vacancy Rate
6.0%-42% vs US avg
x
Broadband Access
88.0%+1% vs US avg
x
4+ Bedrooms
2.6%-83% vs US avg
x
Built Pre-1939
5.4%-58% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
19.1%-62% vs US avg
x
Mortgage-Free
44.0%+15% vs US avg
x
$153,900
Home Value
$685
Rent
1963
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 detached80.3%
  • 1-unit attached2.8%
  • 2-9 units9.0%
  • 10+ units5.2%
  • Mobile home & other2.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$153,900
Median rent$685
Owner-occupied75.5%
Vacant6.0%
Price-to-income2.1x
Est. income to buy$42,000