Market Overview
Home Prices in Bluffton, OH
The median home value in Bluffton, OH is $281,017 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 6.5% compared to a year ago and up 4% from two years prior.
Compared to the U.S. national median of $410,000, homes in Bluffton are priced31% below average. Bluffton is part of the Lima, OH metro area.
Over the past five years, Bluffton home values have risen by approximately29.5%, reflecting strong long-term appreciation in this market.
Price History
Bluffton Home Price Trend
City Comparison
Bluffton vs. National Median
At $281,017, homes in Bluffton cost 31% below the national median of $410,000. This makes Bluffton a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Bluffton?
20% Down Payment
$56,203
on $281,017
Monthly P&I
$1,466/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,862/mo
incl. taxes & insurance
Income Needed
$74,480
gross annual (30% rule)
10% Down Option
$28,102
+ PMI applies
Loan Amount (20% dn)
$224,814
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Bluffton, OH?
The median home value in Bluffton is $281,017 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 6.5% year-over-year.
How much have home prices changed in Bluffton?
Over the past year, home values in Bluffton have increased by 6.5%. Over five years, prices have risen approximately 29.5%.
How much do I need to earn to buy a home in Bluffton?
To comfortably afford the median home price of $281,017 with a 20% down payment ($56,203) at today's rates (6.8%), you'd need a gross annual income of approximately $74,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Bluffton compare to the national average home price?
The national median home value is approximately $410,000. At $281,017, homes in Bluffton are 31% below the national average.
What metro area is Bluffton part of?
Bluffton is part of the Lima, OH metropolitan area. Home prices and market conditions can vary across the broader metro region.