Key Economic Benchmarks
Median Household Income
$76,101$6,342 per month · U.S. Census Bureau ACS 5-YearFair market rent & 30% rule in Ottawa County, OH
Official HUD Fair Market Rents evaluated against local household income benchmarks.
2026 HUD Fair Market Rent Schedule: Ottawa County, OH
Official FY2026 HUD Fair Market Rents for Ottawa County, OH HUD Metro FMR Area. Under the federal 30% housing affordability standard, housing costs are sustainable when they consume 30% or less of gross household income.
| Unit Size | Monthly Rent | Annual Rent | 30% Rule Min. Income | % of Median Income |
|---|---|---|---|---|
| Studio / Efficiency | $807 | $9,684 | $32,280 | 12.7% |
| 1-Bedroom Apartment | $843 | $10,116 | $33,720 | 13.3% |
| 2-Bedroom ApartmentBenchmark | $1,106 | $13,272 | $44,240 | 17.4% |
| 3-Bedroom Home | $1,326 | $15,912 | $53,040 | 20.9% |
| 4-Bedroom Home | $1,696 | $20,352 | $67,840 | 26.7% |
50/30/20 Living Budget in Ottawa County, OH
Based on the local median household income of $76,101/year ($6,342/month), here is how a balanced budget allocates expenses:
Take-Home Pay & Tax Explorer in Ohio
Explore net income after federal income tax, FICA, and Ohio state income tax based on the local median baseline.
Related Regional & Financial Profiles
Compare earnings and living costs across Ohio with official federal datasets:
Frequently Asked Questions About Living in Ottawa County, OH
What is the median household income in Ottawa County, OH?
According to the latest U.S. Census Bureau ACS 5-Year survey, the median household income in Ottawa County, OH is $76,101 per year (approximately $6,342 per month).
What is the average rent in Ottawa County, OH?
According to HUD Fair Market Rent (FMR) benchmarks for 2026, standard monthly rents in Ottawa County, OH are $807 for a studio, $843 for 1 bedroom, $1,106 for 2 bedrooms, $1,326 for 3 bedrooms, and $1,696 for 4 bedrooms.
How does the cost of living in Ottawa County, OH compare to the national average?
Based on the Bureau of Economic Analysis (BEA) Regional Price Parity index, the general price level in Ottawa County, OH is 89.3 (10.7% lower than the U.S. national baseline of 100.0).
How much do you need to earn to comfortably afford rent in Ottawa County, OH?
Under the standard 30% housing affordability standard, renting a median 2-bedroom home ($1,106/month) in Ottawa County, OH requires a minimum gross household income of $44,240 per year ($3,687 per month).
What is a balanced 50/30/20 monthly budget in Ottawa County, OH?
For a typical household earning the median income of $76,101/year ($6,342/month) in Ottawa County, OH, a balanced 50/30/20 budget allocates $3,171/month to essential needs (rent, utilities, groceries), $1,903/month to discretionary spending, and $1,268/month to savings and debt repayment.
What are typical electricity and utility costs in Ottawa County, OH?
Residential electricity rates in Ohio average 19.2¢ per kWh according to the U.S. Energy Information Administration (EIA). For an average home using 900 kWh per month, the estimated electric bill is approximately $173 per month.