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Oberlin city, OH

ZIP 44074 — 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 44074

Median Home Value
$229,000
Median Rent
$801
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,471/mo PITI).

13%
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.

23.8 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 44074 in Oberlin city, OH, a household would need roughly $63,000 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 $1,471. That sits below the local median household income ($73,697), 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
68.3%+4% vs US avg
x
Vacancy Rate
8.6%-17% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
5.0%-67% vs US avg
x
Built Pre-1939
3.6%-72% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
25.4%-49% vs US avg
x
Mortgage-Free
37.7%-1% vs US avg
x
$229,000
Home Value
$801
Rent
1969
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached72.2%
  • 1-unit attached6.5%
  • 2-9 units13.5%
  • 10+ units7.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$229,000
Median rent$801
Owner-occupied68.3%
Vacant8.6%
Price-to-income3.1x
Est. income to buy$63,000