{"area":{"county":"Wyandot County","state":"OH","stateName":"Ohio","slug":"wyandot-oh","metro":null},"homeValue":{"series":[{"date":"2021-04-01","value":143427},{"date":"2021-07-01","value":147914},{"date":"2021-10-01","value":152289},{"date":"2022-01-01","value":158652},{"date":"2022-04-01","value":163258},{"date":"2022-07-01","value":163400},{"date":"2022-10-01","value":164992},{"date":"2023-01-01","value":168086},{"date":"2023-04-01","value":171933},{"date":"2023-07-01","value":175877},{"date":"2023-10-01","value":179180},{"date":"2024-01-01","value":180982},{"date":"2024-04-01","value":184795},{"date":"2024-07-01","value":188195},{"date":"2024-10-01","value":191164},{"date":"2025-01-01","value":194734},{"date":"2025-04-01","value":194881},{"date":"2025-07-01","value":197776},{"date":"2025-10-01","value":199969},{"date":"2026-01-01","value":201709},{"date":"2026-04-01","value":203488}],"latest":203488,"yoy":4.416541376532345,"fiveYr":41.87565800023705,"sinceStart":259.13238382661797,"modeled":true},"rent":{"series":[{"date":"2026-11-01","value":1005}],"latest":1005,"yoy":null,"fiveYr":null,"sinceStart":null,"modeled":true},"census":{"medianIncome":69768,"population":21598,"povertyRate":8.769787214054206,"medianHomeValue":163400,"medianGrossRent":827,"medianPropertyTax":1410},"hud":{"county":"Wyandot County","year":"2027","perUnit":1005,"bedrooms":2,"estimated":false,"baseBedrooms":2},"crime":{"scope":"state","state":"Ohio","period":"11-2024 to 10-2026","window":{"from":"11-2024","to":"10-2026","fellBack":false},"violentCrime":{"total":57142,"ratePer100k":240.08214773988678},"propertyCrime":{"total":292391,"ratePer100k":1228.4809642611956},"note":"State-level totals from the FBI CDE summarized offense endpoint."},"crimeVintage":{"from":"11-2024","to":"10-2026","fellBack":false},"priceToRentRatio":16.9,"ratioVerdict":"Borderline — at 16.9× the market leans renting (modeled investor cash flow is negative, so this is owner-occupant math — it is not a claim of strong rental yield)","priceCagr":7.247144398805538,"rentCagr":3,"cashFlow":{"price":203488,"monthlyRent":1005,"grossRent":1005,"downPct":20,"ratePct":6.75,"units":1,"state":"OH","down":40697.600000000006,"loan":162790.4,"mortgagePI":1055.8554357957844,"monthlyTax":146.34178666666668,"taxRatePct":0.863,"taxRateSource":"Census ACS county effective rate 0.86% ($1,410 tax ÷ $163,400 ACS median), applied to current value","monthlyInsurance":81.39519999999999,"insuranceRatePct":0.48,"insuranceBasis":"Insurance: state-level estimate (OH avg 0.48%/yr)","insuranceHighRisk":false,"vacancyPct":5,"vacancyLoss":50.25,"egi":954.75,"mgmtPct":10,"monthlyMgmt":100.5,"maintenancePct":5,"monthlyMaint":50.25,"capexPct":5,"monthlyCapex":50.25,"hoaMonthly":0,"monthlyHoa":0,"operatingExpenses":428.73698666666667,"noi":526.0130133333333,"totalExpenses":1484.592422462451,"cashFlow":-529.842422462451,"annualCf":-6358.109069549413,"cocReturn":-15.622810852604117,"capRate":3.1019795565340464},"resilience":{"scenarios":[{"id":"rentDown","label":"Rent drops 10%","kind":"standard","detail":"Standard assumption","cashFlow":-605.2174224624512,"delta":-75,"survives":false},{"id":"vacancy","label":"Vacancy stretches to 8%","kind":"standard","detail":"Standard assumption","cashFlow":-559.992422462451,"delta":-30,"survives":false},{"id":"insurance","label":"Insurance costs rise 25%","kind":"standard","detail":"Standard assumption","cashFlow":-550.1912224624512,"delta":-20,"survives":false},{"id":"rateReset","label":"If financed at 8.25% instead","kind":"standard","detail":"Fixed-rate comparison — the deal if you'd borrowed at a higher rate today; your actual fixed payment never resets","cashFlow":-696.9768964675831,"delta":-167,"survives":false},{"id":"historyHome","label":"Worst market shock in available history (since 1991-01-01) (home values −7.1% over 12 months)","kind":"history","detail":"History-derived proxy: worst decline found in any window of up to 12 months in the state FHFA home-value series, 2007-10-01 → 2008-10-01, applied to rent","cashFlow":-583.5489173925688,"delta":-54,"survives":false}],"survived":0,"total":5,"score":0,"worstCashFlow":-696.9768964675831,"baselineCashFlow":-529.842422462451,"framing":"underwater","confidenceLabel":"crosscheck","omitted":[],"note":"Each scenario re-runs the same verified cash-flow engine with one shock applied, then re-checks the cash-flow identity before display. Standard shocks are fixed assumptions; the history-derived scenario is this market's own worst observed 12-month decline. Estimates only — not a guarantee of performance."},"rentVsBuy":{"years":7,"priceCagr":7.247144398805538,"rentCagr":3,"totalRentPaid":92409.29390079775,"totalCashOutlay":179780.7699269574,"insuranceBasis":"Insurance: state-level estimate (OH avg 0.48%/yr)","homeValueAfter":332077.12819588056,"equityBuilt":184283.83724325502,"netCostOfBuying":36194.53268370239,"buyingCheaper":true,"savings":56214.761217095365},"priceToIncome":{"ratio":2.9166380002293315,"price":203488,"medianIncome":69768,"label":"Affordable (≤3x income — historical rule of thumb)"},"countyTaxRatePct":0.863,"countyTaxSource":"Census ACS county effective rate 0.86% ($1,410 tax ÷ $163,400 ACS median), applied to current value","dataCheck":{"status":"crosscheck","checks":[{"metric":"home value (vintage update)","primary":203488,"secondary":163400,"primarySource":"current estimate (ACS county median × FHFA state HPI growth)","secondarySource":"raw ACS 2023 county median (as measured ~2021)","ratio":1.25,"grade":"crosscheck","consistent":false,"hidePoint":false},{"metric":"HUD fair market rent","primary":1005,"secondary":827,"primarySource":"HUD FMR (county)","secondarySource":"Census ACS (county gross rent)","ratio":1.22,"grade":"crosscheck","consistent":false,"hidePoint":false}],"confidence":{"homeValue":{"label":"crosscheck","ratio":1.25,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":163400,"high":203488}},"rent":{"label":"crosscheck","ratio":1.22,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":827,"high":1005}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"note":"Every headline metric is checked against a second figure, and each check names its own basis. The rent and property-price checks pair genuinely independent datasets (HUD FMR vs Census ACS gross rent; your price vs the county estimate). The home-value check compares our current estimate (ACS county median updated by the FHFA state index) against the raw ACS 2023 median — its spread reflects price movement since the ACS measurement period (~2021), not disagreement between unrelated sources. 'Verified' means the two figures agree within 15%; 'Cross-checked' means they diverge more than 15%; 'Divergent' flags a >2x difference. A spread beyond 35% is too wide to defend a single point — the headline shows the source range instead, flagged 'sources disagree'."},"integrity":{"status":"pass","checks":[{"name":"home value freshness","status":"pass","detail":"latest 2026-04-01 (227d old — current for quarterly cadence)"},{"name":"home value card↔chart","status":"pass","detail":"card matches chart"},{"name":"home value growth window","status":"pass","detail":"growth matches the 5.0yr available window"},{"name":"rent freshness","status":"pass","detail":"latest 2026-11-01 (13d old — current for monthly cadence)"},{"name":"rent card↔chart","status":"pass","detail":"card matches chart"},{"name":"cash flow identity","status":"pass","detail":"NOI − P&I = cash flow"},{"name":"cash-on-cash","status":"pass","detail":"annual CF ÷ down matches"},{"name":"cap rate","status":"pass","detail":"NOI×12 ÷ price matches"},{"name":"price-to-rent","status":"pass","detail":"price ÷ (rent×12) matches"},{"name":"income plausibility","status":"pass","detail":"within expected range"},{"name":"price-to-income","status":"pass","detail":"price ÷ income matches"},{"name":"buy-vs-rent: home value at term","status":"pass","detail":"compounds at 7.2%/yr"},{"name":"buy-vs-rent: total rent paid","status":"pass","detail":"geometric series matches"},{"name":"buy-vs-rent: equity built","status":"pass","detail":"home value − loan balance matches"},{"name":"buy-vs-rent: net cost","status":"pass","detail":"outlay − equity gain matches"},{"name":"buy-vs-rent: savings & verdict","status":"pass","detail":"savings = rent − net cost, verdict matches"}],"summary":"16/16 verified","freshness":{"homeValue":{"date":"2026-04-01","ageDays":227,"cadence":"quarterly","current":true},"rent":{"date":"2026-11-01","ageDays":13,"cadence":"monthly","current":true}}},"confidence":{"homeValue":{"label":"crosscheck","ratio":1.25,"sources":["current estimate (ACS county median × FHFA state HPI growth)","raw ACS 2023 county median (as measured ~2021)"],"hidePoint":false,"range":{"low":163400,"high":203488}},"rent":{"label":"crosscheck","ratio":1.22,"sources":["HUD FMR (county)","Census ACS (county gross rent)"],"hidePoint":false,"range":{"low":827,"high":1005}},"income":{"label":"estimate","sources":["Census ACS"]},"crime":{"label":"estimate","sources":["FBI CDE"]}},"verdict":"Wyandot County, OH is a moderate market — a 16.9x price-to-rent ratio is borderline, leaning renting; individual deals decide the outcome.","faqs":[{"q":"Is Wyandot County, OH a good rental market?","a":"Mixed. Wyandot County's 16.9x price-to-rent ratio is moderate; rentals can cash flow, but only on well-priced properties."},{"q":"What is the median home value in Wyandot County?","a":"The typical home value in Wyandot County is about $203,488 (county-level, Census ACS & FHFA state HPI), up 4.4% year-over-year, and up 41.9% over five years."},{"q":"What is the median rent in Wyandot County?","a":"The typical rent in Wyandot County is about $1,005/mo (county-level, HUD 2-bedroom benchmark bridged from Census ACS gross rent), a current modeled estimate."},{"q":"Is it cheaper to rent or buy in Wyandot County?","a":"Over a 7-year horizon, buying is cheaper in Wyandot County — roughly $56,215 ahead of renting, with about $184,284 in equity built."},{"q":"Is Wyandot County affordable for homebuyers?","a":"Wyandot County's median home value is 2.9x the local median household income — Affordable (≤3x income — historical rule of thumb)."},{"q":"What is the property tax rate in Wyandot County?","a":"Wyandot County's effective property tax rate is about 0.86% of home value (Census ACS county effective rate 0.86% ($1,410 tax ÷ $163,400 ACS median), applied to current value), which on a $203,488 median home is roughly $146/mo."}],"takeaways":["The median home value in Wyandot County, OH was $203,488 as of April 2026, up 4.4% year over year (FHFA HPI applied to the Census ACS county median).","The typical market rent in Wyandot County, OH was $1,005/mo as of November 2026, a current modeled estimate (HUD Fair Market Rent, FY2027, bridged from Census ACS gross rent).","Wyandot County, OH has a price-to-rent ratio of 16.9 — a moderate reading where individual deals decide the outcome. (Computed by Areal from the figures above.)"],"citationSources":[{"name":"U.S. Census Bureau — ACS ACS 2024 5-year estimates","url":"https://www.census.gov/programs-surveys/acs/"},{"name":"FHFA House Price Index","url":"https://www.fhfa.gov/data/hpi"},{"name":"HUD Fair Market Rent","url":"https://www.huduser.gov/portal/datasets/fmr.html"},{"name":"FBI Crime Data Explorer","url":"https://cde.ucr.cjis.gov/"}],"jsonApi":{"function":"getCountyReport","query":"slug=wyandot-oh","url":"https://areal.studio/functions/getCountyReport?slug=wyandot-oh"},"assumptions":{"downPct":20,"ratePct":6.75,"years":7},"dataVintage":{"pulledAt":"2026-11-14T10:22:45.381Z","homeValueBasis":"FHFA state HPI (quarterly) × ACS county anchor","rentBasis":"HUD county FMR — flat current estimate (modeled, no public trend)","zhviThrough":null,"zoriThrough":null,"fhfaHpiThrough":"2026-04-01","hpiLevel":"state","hpiMetro":null,"acsVintage":"ACS 2024 5-year estimates","acsVintageMisses":[],"hudFy":"2027","safmrFy":null},"zipAnchors":{"homeValueTier":"county-fhfa-acs","rentTier":"county-acs-hud","zhvi":null,"zori":null,"safmr":null,"countyHomeEstimate":203488,"countyFmr":1005,"countyRatio":null,"hpiLevel":"state","hpiMetro":null},"links":{"stateDir":"OH","stateName":"Ohio","cityPages":[],"zips":[]},"sources":["Census ACS 5-year","FHFA HPI","HUD Fair Market Rent","FBI CDE (state-level context)"]}