C+

Wilmington, OH

Source:

Affordability Score: 64/100

Population: 22,260 · 1 ZIP codes

The affordability dashboard for Wilmington, OH aggregates Census ACS 5-Year Estimates across 1 ZIP code covering 22,260 residents, then layers in county-level federal data to produce an overall grade of C+ (64/100). The headline inputs are median household income of $74,051, median home value of $226,300, median rent of $894 per month, and 24.6% of adults holding a bachelor's degree or higher. These four metrics alone explain most of the variance between city dashboards.

Cross-agency feeds widen the picture beyond Census demographics. HUD publishes a Fair Market Rent for a 2-bedroom in this county at $1,029 per month (studio $778, 1BR $838, 3BR $1,349, 4BR $1,696). Department of Labor data lists infant center-based childcare at $11,537 per year, consuming 16% of the local median household income.

Reading the overall grade requires reading all seven dimensions together. The score weights Income 20%, Safety 20%, Housing 15%, Rent 15%, Education 10%, Commute 10%, and Childcare 10%, with each sub-score benchmarked against national percentiles rather than state averages — so the grade is genuinely comparable across any city in the country. Strengths visible in the raw data for Wilmington, OH include rent. Pressure points are education. Unemployment currently reads 3.7% and poverty 12.3% — numbers worth keeping alongside the headline grade.

Score Breakdown

Income C+
$74,051
Median household income
Education F
24.6%
Bachelor's degree or higher
Housing B-
3.1x
Home value $226,300 vs income
Commute B
21 min
Average commute time
Rent A
$1,029/mo
2BR fair market rent (17% of income)
Safety N/A
N/A
Violent crime rate (county)
Childcare D
$11,537/yr
Center-based infant care (16% of income)

Income & Employment

Median Income
$74,051
▲ 19% vs national
Per Capita Income
$37,843
Unemployment Rate
3.7%
Poverty Rate
12.3%

Housing

Median Home Value
$226,300
▼ 18% vs national
Median Rent
$894/mo
Owner Occupied
70.8%
2BR Fair Market Rent
$1,029/mo
▼ 14% vs national

Fair Market Rents by Bedroom

Studio
$778
1BR
$838
2BR
$1,029
3BR
$1,349
4BR
$1,696

Safety

Violent Crime Rate
Data Source
FBI UCR (county-level)

Education & Family

Bachelor's Degree+
24.6%
▼ 5 ppt vs national
High School+
60.9%
Median Age
41.2
Avg. Commute
21 min
▼ 5 min vs national

Childcare Costs

Infant (Center)
$11,537/yr
16% of income
Toddler (Center)
$10,400/yr
Preschool (Center)
$9,100/yr
School-Age (Center)
$6,552/yr

What This Means

Wilmington, OH receives an overall affordability grade of C+ (64/100), aggregated from 1 ZIP codes with a total population of 22,260. This area performs well in rent. Challenges include education. Data was unavailable for safety — these dimensions were excluded from the overall score.

Nearby City Dashboards

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What are common questions about this dashboard?

Is Wilmington, OH affordable?
Wilmington, OH receives an overall affordability grade of C+ (64/100) based on Census, HUD, FBI, and DOL data. Median household income is $74,051. Median home value is $226,300.
What is the cost of living in Wilmington?
Key cost metrics: Median rent $894/mo. 2BR fair market rent $1,029/mo. Infant childcare $11,537/yr. Median home value $226,300.
How is the affordability score calculated?
The score evaluates 7 dimensions weighted by importance: Income (20%), Safety (20%), Housing (15%), Rent (15%), Education (10%), Commute (10%), and Childcare (10%). Each metric is compared against national percentile benchmarks from Census, HUD, FBI, and DOL data.

Data as of 2024. Source: U.S. Census Bureau ACS 5-Year Estimates. Source: HUD Fair Market Rents. Source: FBI Uniform Crime Report. Source: DOL National Database of Childcare Prices. Verify with HUD →