The story of this market
The typical home in Ottawa County, Ohio sells for about $340,000, or $197 per square foot.
Prices are up +45% from a year ago, so sellers still have some momentum. Homes take about 70 days to sell, which is slow. Over the long run, values in this county have grown 73% since 2000. Last year 10 of 14 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is strong wind, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $1,209 a month.
HUD sets the fair market rent for a 2-bedroom at $1,209 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
+3.3%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+10.1%). Worst: 2010 (-5.7%). Hover to read a year.
Monthly price momentum
Home values since 2015
+3%
OH · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,441
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+3.3%
2025 change
FHFA repeat-sales index, median of 14 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
56
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $22,094,650.
Mortgage activity
Home lending in this county
78.1%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 2095 | 1237 | 78.1% | 3.6% | $165,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Ottawa County, Ohio
Ottawa County's housing market shows significant year-over-year price appreciation, though sales volume remains constrained. The market is currently adjusting to higher price points, with a balanced supply of inventory relative to demand.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: median price corroborated by the published ten-year series (2026) (within 12.5%).
Select a city to expand its ZIP intel reports beneath · 12 cities · 13 ZIP reports
Median prices moved up 2.4% year over year.
Homes spend a median of 53 days on market with 2.3 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 84.71% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.5% · poverty 9.3% — a stable, low-distress profile.
Deterministic aggregate of 13 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Oct 8
researched Sep 17
researched Sep 17
researched Sep 21
researched Sep 21
researched Sep 21
researched Oct 20
researched Sep 21
researched Sep 21
researched Oct 8
| 43408 | Clay Center | $215,000 | $138 | +4.2% | 42 | 97.5% | 12.5% | 3.2 | 18 | $1,150 | researched Oct 8 |
| 43412 | Curtice | $160,700 | $155 | -4.2% | 38 | 99% | — | 2.7 | 194 | $872 | researched Sep 17 |
| 43416 | Elmore | $375,000 | $213 | 0% | 70 | — | — | — | 7 | $398 | researched Sep 17 |
| 43430 | Genoa | $233,000 | $146 | +3.1% | 41 | 99.4% | 15% | 2.6 | 12 | $929 | researched Sep 21 |
| 43432 | Graytown | $235,000 | $138 | +2.1% | 42 | 98.2% | 15% | 3.5 | 12 | $950 | researched Sep 21 |
| 43433 | Gypsum | $145,864 | $105 | +5.2% | 37 | 98.5% | 9% | 4.2 | 118,662 | $1,000 | researched Sep 21 |
| 43434 | — | $93,000 | $170 | — | 71 | — | — | — | 44 | — | researched Oct 20 |
| 43438 | Isle Saint George | $333,300 | — | 0% | — | — | — | — | — | $1,209 | researched Sep 21 |
| 43440 | Marblehead | $379,000 | $215 | +3.2% | 52 | 97.5% | 12.4% | 4 | 48 | $746 | researched Sep 21 |
| 43449 | Oak Harbor | $213,891 | $149 | +2.4% | 68 | 97.2% | 12% | 5.5 | 77 | $1,150 | researched Oct 8 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
The county economy is anchored by accommodation, food services, and retail sectors, with significant revenue generated from tourism and local services.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Ohio) — Real Property Tax Assessment: Property is assessed at 35% of its true market value. The tax is calculated by multiplying the assessed value by the effective tax rate (millage) of the local taxing district.
The economy is driven by retail, healthcare, and tourism-related accommodation and food services.
The Ottawa County Auditor maintains appraisal records for over 35,000 parcels and oversees the conveyance fee process.
- Cedar Point4.518.9 mi
- Kalahari Resorts & Conventions - Sandusky4.324.7 mi
- Great Wolf Lodge | Sandusky4.222.4 mi
- Kalahari Resorts Indoor Waterpark - Sandusky, OH4.224.8 mi
- Cedar Point Shores4.218.5 mi
- Huntington Center4.628.1 mi
- Sawmill Creek by Cedar Point Resorts4.125.5 mi
- Glass City Center4.428.1 mi
- Fifth Third Field4.728.2 mi
- Sprucewood Shores Estate Winery4.727.3 mi
- Cedar Point4.518.9 mi
- African Safari Wildlife Park4.310.6 mi
- Maumee Bay State Park4.720 mi
- East Harbor State Park4.610.6 mi
- Kelleys Island Ferry4.614.9 mi
- Toledo Museum of Art4.829.3 mi
- Imagination Station4.727.9 mi
- Marblehead Lighthouse Historical Society4.815.8 mi
- The Michigan Museum of Horror4.228.9 mi
- National Museum of the Great Lakes4.827 mi
- Maumee Bay State Park4.720 mi
- East Harbor State Park4.610.6 mi
- Magee Marsh Wildlife Area4.810.1 mi
- Marblehead Lighthouse Historical Society4.815.8 mi
- The Watering Hole Safari and Waterpark (Monsoon Lagoon)411.8 mi
- Sawmill Creek by Cedar Point Resorts4.125.5 mi
- Catawba Island Club4.78.3 mi
- Bay Point Resort and Marina4.315.9 mi
- Safe Harbor Toledo Beach4.525.7 mi
- River Raisin Marina & Campground4.126.8 mi
- Maumee Bay State Park Golf Course4.519.7 mi
- Sugar Creek Golf Course4.118.3 mi
- Sandusky's Mills Creek Golf Course4.318.8 mi
- Fleitz Pumpkin Farm4.719.9 mi
- Bergman Orchards4.610.4 mi
- DG Market418.6 mi
- Bassett's Hardware & City Market4.58.7 mi
- Harbor Light Landing4.410.7 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Provides extensive recreational access, boating, and tourism opportunities that define the county's appeal.
Data retrieved from U.S. Census Bureau QuickFacts and World Population Review.
Ohio is a judicial foreclosure state requiring court action to foreclose. Owners have redemption rights to pay the full amount of taxes, penalties, and costs to stop the sale, typically until the confirmation of sale or decree of foreclosure.
Governed by Ohio Revised Code Chapters 323, 5721, and 5723.
Property is assessed at 35% of its true market value. The tax is calculated by multiplying the assessed value by the effective tax rate (millage) of the local taxing district. Exemptions include the Homestead Exemption for qualifying seniors and disabled persons, which reduces the taxable value of the primary residence.
Governed by Ohio Revised Code Chapter 5713.
applies when — Applies to the transfer of residential real property consisting of one to four dwelling units.
Sellers must complete a state-prescribed form disclosing known material conditions and defects of the property, including structural, mechanical, and environmental issues.
Governed by Ohio Revised Code Chapter 5302.30.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.