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Minster village, OH

ZIP 45865 — 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 45865

Median Home Value
$265,700
Median Rent
$657
Affordability Snapshot
$73,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,707/mo PITI).

9%
Rent-to-Income Ratio

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

2.9x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

33.7 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 45865 in Minster village, OH, a household would need roughly $73,000 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 $1,707. That sits below the local median household income ($92,016), 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

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.3%+35% vs US avg
x
Vacancy Rate
10.9%+6% vs US avg
x
Broadband Access
93.5%+7% vs US avg
x
4+ Bedrooms
2.6%-82% vs US avg
x
Built Pre-1939
7.5%-42% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
4.2%-92% vs US avg
x
Mortgage-Free
48.3%+27% vs US avg
x
$265,700
Home Value
$657
Rent
1977
Year Built
2008
Moved In

Residents have lived here since ~2008 on average

Housing Structure

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

  • 1-unit detached84.2%
  • 1-unit attached4.8%
  • 2-9 units5.2%
  • 10+ units1.3%
  • Mobile home & other4.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$265,700
Median rent$657
Owner-occupied88.3%
Vacant10.9%
Price-to-income2.9x
Est. income to buy$73,000