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Fort Recovery village, OH

ZIP 45846 — 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 45846

Median Home Value
$250,300
Median Rent
$580
Affordability Snapshot
$69,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,608/mo PITI).

8%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

36.0 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 45846 in Fort Recovery village, OH, a household would need roughly $69,000 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 $1,608. That sits below the local median household income ($92,273), 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
90.3%+38% vs US avg
x
Vacancy Rate
3.2%-69% vs US avg
x
Broadband Access
88.4%+2% vs US avg
x
4+ Bedrooms
2.9%-80% vs US avg
x
Built Pre-1939
5.7%-55% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
9.2%-81% vs US avg
x
Mortgage-Free
53.5%+40% vs US avg
x
$250,300
Home Value
$580
Rent
1974
Year Built
2005
Moved In

Residents have lived here since ~2005 on average

Housing Structure

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

  • 1-unit detached90.5%
  • 1-unit attached0.6%
  • 2-9 units4.0%
  • 10+ units0.0%
  • Mobile home & other5.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$250,300
Median rent$580
Owner-occupied90.3%
Vacant3.2%
Price-to-income2.7x
Est. income to buy$69,000