Cost of Living in Ottawa County, Ohio
At a Glance
Rent burden measured as median gross rent as a percentage of renter household income (Census ACS B25071)
How Ottawa County Compares
Median monthly rent comparison
Detailed Housing Stats
Data Story
About Cost of Living in Ottawa County, Ohio
Ottawa: Above-National Income, Best Affordability
Ottawa County renters spend just 14.4% of their income on rent—the lowest ratio among all eight counties—while earning $75,728 annually, slightly above the national average of $74,755. This combination of strong income and efficient housing costs makes Ottawa Ohio's affordability leader in this group.
Ottawa Leads Ohio's Housing Affordability
At 14.4%, Ottawa's rent-to-income ratio substantially beats Ohio's 15.6% average, ranking it among the state's most affordable counties for renters. The median rent of $909 sits just $36 above the state average, but Ottawa's higher median income of $75,728 creates the efficiency gap.
Highest Income Drives Affordability Advantage
Ottawa's 14.4% rent-to-income ratio significantly outpaces nearby counties: Morrow (15.9%), Montgomery (18.0%), and all deep-rural options, even though Ottawa's median rent of $909 is not the lowest. Ottawa's competitive advantage stems from its superior median income at $75,728, anchored by strong regional employment.
Strong Income Cushions Housing Expenses
The $909 monthly rent represents just 14.4% of Ottawa's $75,728 median income, while homeowners dedicate 15.3% to their $963 monthly cost—both well below strain thresholds. Ottawa households retain substantially more discretionary income than peers in lower-income counties, supporting both savings and consumer spending.
Ottawa: Affordability Plus Opportunity
If you're relocating to Ohio and seeking the best combination of housing affordability and economic opportunity, Ottawa County delivers: 14.4% rent-to-income ratio and median income of $75,728. Compare Ottawa's balanced profile against rural affordability leaders like Paulding or Perry—Ottawa costs slightly more but offers significantly better employment stability and wage growth.
Affordability Calculator
See how your income compares to housing costs in Ottawa County
Rent Burden
14.4%
of gross income
Max Housing (28% Rule)
$1,767
per month
Owner Cost Burden
15.3%
of gross income
You can likely afford the median home in Ottawa County
Median home value is $200,700. Estimated monthly cost: $1,602 vs. your max of $1,767.
Rent Affordability Guide
Frequently Asked Questions
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See Today's RatesData: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.