The story of this market
The typical home in Ottawa County, Ohio sells for about $348,000, 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 Approval rate is approved ÷ decided (withdrawn and incomplete files excluded).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 residential real estate market remains firm, propelled by resilient demand for coastal lifestyle and recreational properties alongside tight permanent housing inventory. Median prices exhibit notable gains year-over-year while days on market have elongated slightly to 70 days, signaling healthy stabilization rather than contraction.
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: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 12 cities · 12 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 85.05% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.1% · poverty 9.3% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 12 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.
Ottawa County, Ohio — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
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 Sep 21
researched Sep 21
researched Oct 8
researched Sep 17
| 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 |
| 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 |
| 43452 | Port Clinton | $450,000 | $206 | +5% | 55 | 100% | — | 2.7 | 1,411 | $968 | researched Sep 17 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Ottawa County maintains relatively low violent crime rates compared to broader Ohio metro benchmarks, with property crime concentrating primarily around seasonal shoreline tourism corridors and marinas during summer months.
Local public districts generally earn solid marks on the Ohio Department of Education report cards, with standout performance across elementary campuses such as R C Waters and Danbury.
Lake Erie coastal shoreline dynamics drive localized risk, with approximately 18% of parcels exposed to coastal and riverine flood events alongside seasonal high-wind seiches and severe winter storms.
The local economy is driven by year-round utilities including the Davis-Besse Nuclear Power Station, regional healthcare, maritime trade, and extensive seasonal leisure and vacation tourism along Lake Erie and the Marblehead Peninsula.
Property taxes are administered by the Ottawa County Auditor based on a 35% statutory assessed valuation ratio multiplied by combined school, county, township, and municipal millage, subject to Ohio House Bill 920 rollback factors and homestead exemptions.
Ottawa County boasts direct access to Lake Erie waters, East Harbor State Park, the Marblehead Lighthouse, Magee Marsh Wildlife Area, and extensive boating and recreational fishing amenities.
The rental landscape is heavily bifurcated between workforce residential leases in town centers and high-yield short-term vacation rentals dominating coastal Port Clinton, Catawba Island, and Marblehead.
Ottawa County's economic engine blends coastal tourism, hospitality, agriculture, light manufacturing, and clean energy led by the Davis-Besse Nuclear Power Station and healthcare systems.
Primary road corridors include State Route 2 providing east-west highway connectivity to Toledo and Cleveland, complemented by regional ferry routes linking mainland peninsulas to Lake Erie islands.
Regional planning balances preservation of critical freshwater wetlands and agricultural reserves with expanding marina-district residential redevelopment and hospitality amenities.
The Ottawa County Auditor conducts triennial updates and sexennial reappraisals under Ohio Department of Taxation oversight, taxing properties at 35% of market value.
Special tax and utility layers encompass local school districts, joint vocational districts, park districts, regional port authorities, and emergency service levies spanning township lines.
Coastal proximity to Lake Erie prompts standard NFIP flood insurance requirements in shoreline lowlands, alongside routine inland windstorm coverage across residential policies.
- 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 from Google Maps, 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.
Spanning over 1,800 acres on Lake Erie, this park provides sandy beaches, extensive boating ramps, wetlands, camping sites, and hiking trails for water enthusiasts.
Home to the oldest continuously operating lighthouse on the Great Lakes, featuring limestone rocky coastlines and panoramic views of Lake Erie and Cedar Point.
A world-renowned freshwater marsh and birdwatching hotspot that draws thousands of international visitors annually during spring songbird migration.
A prominent private resort community anchoring golf, maritime yachting, fine dining, and leisure along the Lake Erie archipelago shoreline.
Retrieved via Census QuickFacts and ACS county-level data for Ottawa County, OH (FIPS 39123). Vacancy rates reflect elevated secondary and seasonal vacation homes.
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.
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.
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.