The story of this market
The typical home in ZIP 45631 sells for about $165,000, or $108 per square foot.
Prices are up +3.1% from a year ago, so sellers still have some momentum. Homes take about 58 days to sell. HUD's fair market rent for a two-bedroom is $846 a month.
ZIP 45631 — Gallipolis
The housing market in 45631 remains stable with modest year-over-year price appreciation and balanced inventory levels. Demand is supported by local employment in healthcare and education, though the market is constrained by limited new construction. Overall, the area offers affordable entry points for buyers compared to broader regional trends.
This ZIP is well-suited for families and local workers seeking affordable housing in a small-town, riverfront setting with access to essential regional services.
Median prices moved up 3.1% year over year.
Homes spend a median of 58 days on market with 3.8 months of supply — a fast-moving market.
13% of listings have cut prices · homes sell at 96.2% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.2% · poverty 13.7% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 4.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 3.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net outflow — more people moved out than in
ZCTA 45631, Gallia County OH
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
The area is served by Gallia County Local School District and Gallipolis City School District, with schools generally rated as average for the region.
The area faces moderate flood risks near the Ohio River and standard regional wind/storm exposure.
Economic momentum is driven by healthcare and education sectors, with Holzer Health System serving as a major regional employer.
Property taxes are assessed by Gallia County based on market value; the rate includes local school district levies and municipal taxes for the city of Gallipolis.
Commutes are primarily car-dependent, with residents traveling to local employment hubs in Gallipolis or across the river into West Virginia.
The area features access to the Ohio River for boating and fishing, several local parks, and proximity to the Gallia County Fairgrounds.
The rental market is characterized by steady demand from local workers and students, with limited new multi-family construction.
The economy is anchored by healthcare, education, and government services, with Holzer Health System being the primary economic driver.
Transportation is dominated by private vehicle use, with US Route 35 serving as the primary corridor for regional connectivity.
Development is focused on small-scale commercial infill and infrastructure maintenance within the city of Gallipolis.
The Gallia County Auditor manages property assessments, conducting triennial updates to ensure valuations reflect current market conditions.
Parcels are subject to school district levies and local municipal taxes; no major MUDs or PIDs are prevalent.
Property insurance premiums are stable, though coverage for flood-prone areas near the river requires separate policy considerations.
Ohio is a judicial foreclosure state, requiring court intervention for the foreclosure process.
Ohio law requires sellers to provide a Residential Property Disclosure Form covering known material defects.
Data retrieved from data.census.gov ZCTA 45631 profile.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Historic riverfront park featuring walking paths and community events.
Provides recreational boating, fishing, and scenic views.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.