Rental numbers for the Lima, OH metro
The typical home here runs -$435 a month at 7.78% with 25% down, breaking even at about 2.9%. 0 of 2 ZIP codes with full Zillow data in this metro are cash-flow positive; the median gross yield is 9.3%.
- Gross yield
- 7.5%
- typical home, Zillow
- Median ZIP yield
- 9.3%
- 2 ZIPs with full data
- Cash flow
- -$435/mo
- at 7.78%, 25% down
- Typical price
- $193,000
- Zillow ZHVI, Aug 2026
- Typical rent
- $1,211/mo
- Zillow ZORI, Aug 2026
ZIP codes in the metro
11 with published figures
| 45804Lima | $79,000 | $1,090* | 16.5% | 10.7% | +$280 | n/a |
| 45808Beaverdam | $123,000 | $1,180* | 11.5% | 6.8% | +$30 | n/a |
| 45801Lima | $143,000 | $1,190 | 10.0% | 5.6% | -$99 | n/a |
| 45805Lima | $196,000 | $1,421 | 8.7% | 4.7% | -$285 | n/a |
| 45820Cairo | $143,000 | $1,020* | 8.6% | 4.5% | -$238 | n/a |
| 45887Spencerville | $204,000 | $1,030* | 6.1% | 2.8% | -$615 | n/a |
| 45806Fort Shawnee | $239,000 | $1,160* | 5.8% | 2.3% | -$824 | n/a |
| 45830Columbus Grove | $246,000 | $1,120* | 5.5% | 2.1% | -$896 | n/a |
| 45807Delphos | $260,000 | $1,180* | 5.5% | 2.0% | -$965 | n/a |
| 45850Harrod | $246,000 | $1,100* | 5.4% | 2.1% | -$899 | n/a |
| 45817Bluffton | $276,000 | $1,040* | 4.5% | 1.5% | -$1,140 | n/a |
* HUD Fair Market Rent, 2 bedroom, where Zillow publishes no rent index. Conservative.
Trends
Five years to August 2026
- Price, 12 months
- +5.8%
- Rent, 12 months
- +2.7%
- Rent minus price growth
- -3.1 pts
- Property tax
- 1.14%
- effective rate, ACS 2024
Show the numbers
| Month | Typical value | Rent |
|---|---|---|
| Aug 2021 | $145,608 | n/a |
| Aug 2022 | $159,763 | n/a |
| Aug 2023 | $164,711 | n/a |
| Aug 2024 | $172,861 | $1,092 |
| Aug 2025 | $182,095 | $1,179 |
| Aug 2026 | $192,619 | $1,211 |
Counties
- Allen County, OH9.3% median yield
- Putnam County, OHn/a median yield
Tools
Questions
- Is the Lima, OH metro good for rental property?
- The typical home here runs -$435 a month at 7.78% with 25% down, breaking even at about 2.9%. 0 of 2 ZIP codes with full Zillow data in this metro are cash-flow positive; the median gross yield is 9.3%. Figures assume a typical home, 7.78% with 25% down and the default costs on the methodology page.
- Which ZIP codes in the Lima, OH metro have the highest rental yield?
- 45801 (Lima) at 10.0%, 45805 (Lima) at 8.7%, on Zillow value and rent. The full table above sorts by any column.
Sources and method
- Zillow Home Value Index (ZHVI), mid tier, smoothed and seasonally adjusted
Zillow Research. Read: 2026-08.
Typical home value by ZIP, county, metro and state, and the price trend.
- Zillow Observed Rent Index (ZORI), all homes plus multifamily, smoothed
Zillow Research. Read: 2026-08.
Typical market rent by ZIP, county and metro, and the rent trend (tier A pages).
- HUD Small Area Fair Market Rents, FY2026
US Department of Housing and Urban Development. Read: FY2026.
Rent by bedroom count for every ZIP. The rent used on tier B pages, and a reference on all pages. It is the 40th percentile gross rent, so it runs below market.
- American Community Survey 5-year estimates, 2020 to 2024 (B25103 median real estate taxes paid, B25077 median home value, B11001 households)
US Census Bureau. Read: 2020 to 2024.
Effective property tax rate (median taxes paid divided by median value) by ZIP code tabulation area, county and state; households for the permits ratio.
- Freddie Mac Primary Mortgage Market Survey, 30-year fixed (FRED series MORTGAGE30US)
Freddie Mac via the Federal Reserve Bank of St. Louis. Read: 2026-09-24.
The weekly 30-year rate. The site adds a disclosed investor premium to it for the loan payment.
Data: Zillow Research (ZHVI, ZORI), HUD, US Census Bureau, Freddie Mac. Every formula is on the methodology page.
Estimates from public data for a typical property. Not investment, tax or legal advice. Your property, financing and costs will differ.