Miami County, Ohio: What It Costs to Buy a Home
The median home in Miami County is worth $209,200, property taxes on it run about $2,106 a year (1.01%), the FHA loan limit is $541,287, and closing on it means about $209 in transfer tax plus $1,368 in title insurance. Each number below opens its own page with the source and a calculator.
| Median home value | $209,200 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $2,106 a year, 1.01% of value | Property tax page → |
| FHA loan limit (1 unit) | $541,287 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax on the median home | $209 | Ohio transfer tax page → |
| Title insurance on the median home | $1,218 owner's + $150 lender's | Title insurance page → |
| Closing costs from these items | $1,577 | Closing costs page → |
| Area median income (HUD, family of 4) | $103,000; low-income limit $82,400 | Income limits page → |
Frequently asked questions
How much do homes cost in Miami County?
The median owner-occupied home in Miami County is valued at $209,200, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Miami County?
The median Miami County homeowner pays $2,106 a year in real estate taxes, about 1.01% of the median home value ($2,103 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Miami County?
$541,287 for a one-unit home in 2026 (the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Miami County?
On the $209,200 median home: transfer tax $209, title insurance $1,368 for both policies, about $1,577 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Miami County?
HUD's FY 2026 median family income for Miami County (Dayton-Kettering-Beavercreek, OH MSA) is $103,000. A family of four counts as low income below $82,400 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Ohio counties
- Medina County $268,000
- Meigs County $113,400
- Mercer County $208,600
- Monroe County $132,000
- Montgomery County $167,400
- Morgan County $134,200
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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