CashFlowRE
Sign in Sign up
286 S South St
C Composite 56.7
Why this score? — see what drove the C grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • Cash flow +27.8/30.0
  • DSCR +9.8/10.0
  • 1% rule +6.3/10.0
  • Schools +3.9/10.0
  • Livability +3.9/5.0
  • Rent growth +2.5/5.0
  • Condition / age +2.5/5.0
  • ARV discount +0.0/15.0
  • Appreciation +0.0/10.0

$399,000

286 S South St · Wilmington, OH 45177
4 bd · 2.0 ba · 3,698 sqft · SingleFamily public records · 95 Days on market
Built 1860 0.57 ac lot $108/sqft · 40% above area Est $286k · 40% over

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks MLS

Step into timeless elegance with this beautifully renovated c. . 1860 historic 3698 SF home situated on approximately a half-acre lot. Featuring a grand foyer with open staircase, this home offers a spacious living room, parlor/family room, and a study with built-ins and glass panel bifold doors opening to the formal dining room and charming arched sitting area. Enjoy outdoor living with both a welcoming front porch and a spacious side porch. The fully equipped kitchen provides walkout access to a brick terrace overlooking the backyard and attached two-car garage. A convenient mudroom and half bath complete the main level. Upstairs features a primary suite with a dressing area/closet and a brand new bath with double sinks, shower and bidet, plus three additional bedrooms, second full bath, and a rear staircase leading back to the kitchen area. The open landing includes a newly added door providing walkout access overlooking the front of the home. Many recent renovations enhance this classic home, including restoration of the widow’s walk. Part basement. A rare opportunity to own a beautifully updated historic property with space, charm and character.

Key facts

  • Study with built-ins
  • Open staircase
  • Formal dining room

Tags

GRAND FOYEROPEN STAIRCASESPACIOUS LRSTUDY WITH BUILT-INSGLASS PANEL BIFOLD DOORSFORMAL DINING ROOM

Neighborhood map

Property Rental comp Retail Transit Schools Stadiums Fortune 500 · Circle radius: 3.0 mi
Loading POIs…

What this means for you Summary

Snapshot

  • This is a 4-bed/2.0-bath single-family listed at $399k.

Deal economics

  • At list price, monthly cash flow is $1k ($15k/yr) — positive.
  • The deal already cash-flows at list — no discount required.
  • Meets the 1% rule at list price ($4k rent vs $399k).
  • Recommended offer: $363k (9.0% below list) — sets the bar for market timing.
  • Cap rate 10.0% vs local median 6.3% in Wilmington — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

  • Location reads 77/100 on livability (#202 in OH, #3,127 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: amenities D, commute F, employment F.
  • Wilmington City (town): math 42% / reading 51% proficiency, ranked #492 of 656 in OH (top 75%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
  • Zoned schools: Roy E Holmes Elementary School (508 students, 58% FRL); Rodger O. Borror Middle School (math 35% / reading 44%, grade F, #519 of 654 statewide, top 80%, 502 students, 48% FRL); Wilmington High School (math 24% / reading 62%, grade F, #494 of 781 statewide, top 63%, 663 students, 46% FRL) — zoned schools at 51% FRL track the district average.
  • Market conditions: 108 active listings in the ZIP; 1 comparable units currently listed for rent nearby; 119 units permitted in Clinton County in 2024 (0 in 5+ unit buildings).
  • At $4,500/mo this rent would consume 77% of the median local household income ($70k/yr) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $3k of loan paydown is wiped out by about $12k of value loss. Plan a longer hold.
  • Clinton County population projected at -12% by 2050 — secular population decline; favor cash flow + early exit over multi-decade hold.
  • At projected returns (-3.0% appreciation + 3.0% rent growth), your $112k cash investment doubles in ~9 years — after that, you're playing with house money.

Negotiation context

  • It's been on market 95 days — a 9% lower offer ($363k) is reasonable based on typical stale-listing flexibility.
  • 7 sale attempts with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
  • Current owner paid $129k; list at $399k implies a 209% gain — meaningful room to come down on a strong offer.

Risks & watch-outs

  • Watch-outs: built in 1860 — expect roof / HVAC / electrical / plumbing capex.
Recommended offer $363,090 (9.0% below list)

Questions for the listing agent

  1. It's been on market 95 days. Have you received any prior offers? Is the seller open to a 9% concession, seller financing, or rate buy-down credit?
  2. Built in 1860 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
  3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  6. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  7. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
1.13%
Cap rate
9.96%
Cash-on-cash
13.10%
DSCR
1.58
GRM
7.4

CMA / ARV

ARV (median comp)
$285,595
List price
$399,000
Delta
39.71%
Verdict
OVERPRICED
Comps
20 within 1.0 mi
Show comp detail 5 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
286 S South St 0.00mi 4/1.0 3,698 (0%) 10mo $129,000 $35 88
326 N Walnut St 0.58mi 4/1.5 3,606 (-2%) 9mo $295,000 $82 60
12 Peterson Pl 0.71mi 4/3.5 3,407 (-8%) 6mo $425,000 $125 43
15 Peterson Pl 0.71mi 3/3.0 (-1) 3,478 (-6%) 12mo $585,000 $168 38
11 Peterson Pl 0.73mi 4/5.0 3,488 (-6%) 10mo $615,000 $176 36

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 3.0% rent growth · sell at horizon

5-year hold
IRR
3.0%
Equity multiple
1.11×
Total profit
$12,802
Equity at exit
$59,492
10-year hold
IRR
12.5%
Equity multiple
1.99×
Total profit
$110,355
Equity at exit
$34,498

Cash invested: $111,720 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (STATE)
73 Landlord-Friendly
State Ohio
73 Landlord-Friendly · R+6
County
— inherits STATE
City
— inherits STATE
3-day notice; Cleveland / Columbus have some habitability code enforcement; otherwise landlord-leaning.

ZIP-level market 45177

Active inventory
108
Price-to-rent
7.4×

Monthly cashflow live

Estimated rent
$4,500 medium interval (Pro) →
Mortgage (P&I)
$2,092
Tax from tax record
$77 /mo · $926/yr
Insurance
$166
HOA
$0
Vacancy / Maint / Mgmt
$945
Net cashflow
$1,219

Break-even live

Break-even rent $2,957
Max offer price $399,000
Occupancy floor 68%

Sensitivity live

Price -10% $1,445 -5% $1,332 +0% $1,219 +5% $1,106 +10% $993
Rent -10% $864 -5% $1,041 +0% $1,219 +5% $1,397 +10% $1,575
Rate -1.0pp $1,420 -0.5pp $1,321 base $1,219 +0.5pp $1,116 +1.0pp $1,011

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$99,750
Closing costs
$11,970
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Down + closing
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 1 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
160 Columbus St Wilmington, OH 4.0 1.5 2962 $4,500 $1.52 4d 1 0.41mi

Listing history 37 events

  1. 2026-06-22
    days on market $399,000 Active 95 DOM
  2. 2026-06-18
    days on market $399,000 Active 92 DOM
  3. 2026-06-17
    days on market $399,000 Active 91 DOM
  4. 2026-06-16
    days on market $399,000 Active 90 DOM
  5. 2026-06-15
    days on market $399,000 Active 89 DOM
  6. 2026-06-14
    days on market $399,000 Active 87 DOM
  7. 2026-06-10
    days on market $399,000 Active 84 DOM
  8. 2026-06-09
    days on market $399,000 Active 83 DOM
  9. 2026-06-08
    days on market $399,000 Active 82 DOM
  10. 2026-06-07
    pricedays on market $399,000 Active 81 DOM
  11. 2026-06-05
    days on market $409,000 Active 78 DOM
  12. 2026-06-03
    days on market $409,000 Active 77 DOM
  13. 2026-06-02
    days on market $409,000 Active 76 DOM
  14. 2026-06-01
    days on market $409,000 Active 75 DOM
  15. 2026-05-31
    days on market $409,000 Active 74 DOM
  16. 2026-05-31
    days on market $409,000 Active 73 DOM
  17. 2026-05-17
    status Active 1176-char remark
    Show marketing remark (1176 chars)

    Step into timeless elegance with this beautifully renovated c. . 1860 historic 3698 SF home situated on approximately a half-acre lot. Featuring a grand foyer with open staircase, this home offers a spacious living room, parlor/family room, and a study with built-ins and glass panel bifold doors opening to the formal dining room and charming arched sitting area. Enjoy outdoor living with both a welcoming front porch and a spacious side porch. The fully equipped kitchen provides walkout access to a brick terrace overlooking the backyard and attached two-car garage. A convenient mudroom and half bath complete the main level. Upstairs features a primary suite with a dressing area/closet and a brand new bath with double sinks, shower and bidet, plus three additional bedrooms, second full bath, and a rear staircase leading back to the kitchen area. The open landing includes a newly added door providing walkout access overlooking the front of the home. Many recent renovations enhance this classic home, including restoration of the widow’s walk. Part basement. A rare opportunity to own a beautifully updated historic property with space, charm and character.

  18. 2026-05-17
    price $409,000 1176-char remark
    Show marketing remark (1176 chars)

    Step into timeless elegance with this beautifully renovated c. . 1860 historic 3698 SF home situated on approximately a half-acre lot. Featuring a grand foyer with open staircase, this home offers a spacious living room, parlor/family room, and a study with built-ins and glass panel bifold doors opening to the formal dining room and charming arched sitting area. Enjoy outdoor living with both a welcoming front porch and a spacious side porch. The fully equipped kitchen provides walkout access to a brick terrace overlooking the backyard and attached two-car garage. A convenient mudroom and half bath complete the main level. Upstairs features a primary suite with a dressing area/closet and a brand new bath with double sinks, shower and bidet, plus three additional bedrooms, second full bath, and a rear staircase leading back to the kitchen area. The open landing includes a newly added door providing walkout access overlooking the front of the home. Many recent renovations enhance this classic home, including restoration of the widow’s walk. Part basement. A rare opportunity to own a beautifully updated historic property with space, charm and character.

  19. 2026-05-12
    status Active 1012-char remark
    Show marketing remark (1012 chars)

    Step into timeless elegance w/ this beautifully renovated c. 1860 historic 3698 SF home situated on 0.5690 A. lot. Featuring a grand foyer with open staircase, this home offers a spacious LR w/FP, parlor/FM w/FP, & a study w/built-ins and glass panel bifold doors opening to the formal dining room and charming arched sitting area. Enjoy outdoor living with both a welcoming front porch and a spacious side porch. The fully equipped kitchen provides walkout access to a brick terrace overlooking the backyard and attached two-car garage. A convenient mudroom and half bath complete the main level. Upstairs features a primary suite with a dressing area/closet & a brand-new BA w/ double sinks, shower & bidet, plus three addt'l BRs, 2nd full BA, and a rear staircase leading back to the kitchen area. The open landing includes a new door providing w/o access overlooking the front of the home. Many recent renovations enhance this classic home, including restoration of the widow's walk. Part bsmnt

  20. 2026-05-06
    historical 1176-char remark
    Show marketing remark (1176 chars)

    Step into timeless elegance with this beautifully renovated c. . 1860 historic 3698 SF home situated on approximately a half-acre lot. Featuring a grand foyer with open staircase, this home offers a spacious living room, parlor/family room, and a study with built-ins and glass panel bifold doors opening to the formal dining room and charming arched sitting area. Enjoy outdoor living with both a welcoming front porch and a spacious side porch. The fully equipped kitchen provides walkout access to a brick terrace overlooking the backyard and attached two-car garage. A convenient mudroom and half bath complete the main level. Upstairs features a primary suite with a dressing area/closet and a brand new bath with double sinks, shower and bidet, plus three additional bedrooms, second full bath, and a rear staircase leading back to the kitchen area. The open landing includes a newly added door providing walkout access overlooking the front of the home. Many recent renovations enhance this classic home, including restoration of the widow’s walk. Part basement. A rare opportunity to own a beautifully updated historic property with space, charm and character.

  21. 2026-05-05
    price $409,000 1012-char remark
    Show marketing remark (1012 chars)

    Step into timeless elegance w/ this beautifully renovated c. 1860 historic 3698 SF home situated on 0.5690 A. lot. Featuring a grand foyer with open staircase, this home offers a spacious LR w/FP, parlor/FM w/FP, & a study w/built-ins and glass panel bifold doors opening to the formal dining room and charming arched sitting area. Enjoy outdoor living with both a welcoming front porch and a spacious side porch. The fully equipped kitchen provides walkout access to a brick terrace overlooking the backyard and attached two-car garage. A convenient mudroom and half bath complete the main level. Upstairs features a primary suite with a dressing area/closet & a brand-new BA w/ double sinks, shower & bidet, plus three addt'l BRs, 2nd full BA, and a rear staircase leading back to the kitchen area. The open landing includes a new door providing w/o access overlooking the front of the home. Many recent renovations enhance this classic home, including restoration of the widow's walk. Part bsmnt

  22. 2026-05-05
    historical 1012-char remark
    Show marketing remark (1012 chars)

    Step into timeless elegance w/ this beautifully renovated c. 1860 historic 3698 SF home situated on 0.5690 A. lot. Featuring a grand foyer with open staircase, this home offers a spacious LR w/FP, parlor/FM w/FP, & a study w/built-ins and glass panel bifold doors opening to the formal dining room and charming arched sitting area. Enjoy outdoor living with both a welcoming front porch and a spacious side porch. The fully equipped kitchen provides walkout access to a brick terrace overlooking the backyard and attached two-car garage. A convenient mudroom and half bath complete the main level. Upstairs features a primary suite with a dressing area/closet & a brand-new BA w/ double sinks, shower & bidet, plus three addt'l BRs, 2nd full BA, and a rear staircase leading back to the kitchen area. The open landing includes a new door providing w/o access overlooking the front of the home. Many recent renovations enhance this classic home, including restoration of the widow's walk. Part bsmnt

  23. 2026-04-04
    historical ActiveUnderContract 1176-char remark
    Show marketing remark (1012 chars)

    Step into timeless elegance w/ this beautifully renovated c. 1860 historic 3698 SF home situated on 0.5690 A. lot. Featuring a grand foyer with open staircase, this home offers a spacious LR w/FP, parlor/FM w/FP, & a study w/built-ins and glass panel bifold doors opening to the formal dining room and charming arched sitting area. Enjoy outdoor living with both a welcoming front porch and a spacious side porch. The fully equipped kitchen provides walkout access to a brick terrace overlooking the backyard and attached two-car garage. A convenient mudroom and half bath complete the main level. Upstairs features a primary suite with a dressing area/closet & a brand-new BA w/ double sinks, shower & bidet, plus three addt'l BRs, 2nd full BA, and a rear staircase leading back to the kitchen area. The open landing includes a new door providing w/o access overlooking the front of the home. Many recent renovations enhance this classic home, including restoration of the widow's walk. Part bsmnt

  24. 2026-04-04
    historical Contingency Pending 1012-char remark
    Show marketing remark (1012 chars)

    Step into timeless elegance w/ this beautifully renovated c. 1860 historic 3698 SF home situated on 0.5690 A. lot. Featuring a grand foyer with open staircase, this home offers a spacious LR w/FP, parlor/FM w/FP, & a study w/built-ins and glass panel bifold doors opening to the formal dining room and charming arched sitting area. Enjoy outdoor living with both a welcoming front porch and a spacious side porch. The fully equipped kitchen provides walkout access to a brick terrace overlooking the backyard and attached two-car garage. A convenient mudroom and half bath complete the main level. Upstairs features a primary suite with a dressing area/closet & a brand-new BA w/ double sinks, shower & bidet, plus three addt'l BRs, 2nd full BA, and a rear staircase leading back to the kitchen area. The open landing includes a new door providing w/o access overlooking the front of the home. Many recent renovations enhance this classic home, including restoration of the widow's walk. Part bsmnt

  25. 2026-03-24
    price $399,999 1176-char remark
    Show marketing remark (1012 chars)

    Step into timeless elegance w/ this beautifully renovated c. 1860 historic 3698 SF home situated on 0.5690 A. lot. Featuring a grand foyer with open staircase, this home offers a spacious LR w/FP, parlor/FM w/FP, & a study w/built-ins and glass panel bifold doors opening to the formal dining room and charming arched sitting area. Enjoy outdoor living with both a welcoming front porch and a spacious side porch. The fully equipped kitchen provides walkout access to a brick terrace overlooking the backyard and attached two-car garage. A convenient mudroom and half bath complete the main level. Upstairs features a primary suite with a dressing area/closet & a brand-new BA w/ double sinks, shower & bidet, plus three addt'l BRs, 2nd full BA, and a rear staircase leading back to the kitchen area. The open landing includes a new door providing w/o access overlooking the front of the home. Many recent renovations enhance this classic home, including restoration of the widow's walk. Part bsmnt

  26. 2026-03-24
    price $399,999 1012-char remark
    Show marketing remark (1012 chars)

    Step into timeless elegance w/ this beautifully renovated c. 1860 historic 3698 SF home situated on 0.5690 A. lot. Featuring a grand foyer with open staircase, this home offers a spacious LR w/FP, parlor/FM w/FP, & a study w/built-ins and glass panel bifold doors opening to the formal dining room and charming arched sitting area. Enjoy outdoor living with both a welcoming front porch and a spacious side porch. The fully equipped kitchen provides walkout access to a brick terrace overlooking the backyard and attached two-car garage. A convenient mudroom and half bath complete the main level. Upstairs features a primary suite with a dressing area/closet & a brand-new BA w/ double sinks, shower & bidet, plus three addt'l BRs, 2nd full BA, and a rear staircase leading back to the kitchen area. The open landing includes a new door providing w/o access overlooking the front of the home. Many recent renovations enhance this classic home, including restoration of the widow's walk. Part bsmnt

  27. 2026-03-11
    listed $419,000 Active 1176-char remark
    Show marketing remark (1012 chars)

    Step into timeless elegance w/ this beautifully renovated c. 1860 historic 3698 SF home situated on 0.5690 A. lot. Featuring a grand foyer with open staircase, this home offers a spacious LR w/FP, parlor/FM w/FP, & a study w/built-ins and glass panel bifold doors opening to the formal dining room and charming arched sitting area. Enjoy outdoor living with both a welcoming front porch and a spacious side porch. The fully equipped kitchen provides walkout access to a brick terrace overlooking the backyard and attached two-car garage. A convenient mudroom and half bath complete the main level. Upstairs features a primary suite with a dressing area/closet & a brand-new BA w/ double sinks, shower & bidet, plus three addt'l BRs, 2nd full BA, and a rear staircase leading back to the kitchen area. The open landing includes a new door providing w/o access overlooking the front of the home. Many recent renovations enhance this classic home, including restoration of the widow's walk. Part bsmnt

  28. 2026-03-11
    listed $419,000 Active 1012-char remark
    Show marketing remark (1012 chars)

    Step into timeless elegance w/ this beautifully renovated c. 1860 historic 3698 SF home situated on 0.5690 A. lot. Featuring a grand foyer with open staircase, this home offers a spacious LR w/FP, parlor/FM w/FP, & a study w/built-ins and glass panel bifold doors opening to the formal dining room and charming arched sitting area. Enjoy outdoor living with both a welcoming front porch and a spacious side porch. The fully equipped kitchen provides walkout access to a brick terrace overlooking the backyard and attached two-car garage. A convenient mudroom and half bath complete the main level. Upstairs features a primary suite with a dressing area/closet & a brand-new BA w/ double sinks, shower & bidet, plus three addt'l BRs, 2nd full BA, and a rear staircase leading back to the kitchen area. The open landing includes a new door providing w/o access overlooking the front of the home. Many recent renovations enhance this classic home, including restoration of the widow's walk. Part bsmnt

  29. 2025-09-19
    soldstatus $129,000
  30. 2025-09-05
    soldstatus $129,000 Sold
  31. 2025-08-20
    historical Contingency Pending
  32. 2025-08-12
    status Active
  33. 2025-07-28
    historical Contingency Pending
  34. 2025-07-25
    status Active
  35. 2025-07-17
    historical Contingency Pending
  36. 2025-07-09
    price $139,500
  37. 2025-06-24
    listed $159,000 Active

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast OH · Partial reset (capped growth)

Current annual tax
$926 · $77/mo
Projected year-2 tax
$3,575 · $298/mo
Expected delta
+$2,649/yr (+$221/mo · 285.9%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 3/10 Moderate 7 d/yr ≥100°F today · 19 d/yr by 30 yrs out
  • 💨 Wind 2/10 Low 100% chance of damaging wind over 30 yrs
  • 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Nearby sold comps map

Loading sold comps map…

Walkable amenities ~0.75 mi

Loading nearby amenities…

Taxation est. · year 1

Rental income
$54,000
− Mortgage interest
−$22,350
− Property taxes
−$926
− Insurance
−$1,995
− Repairs & maintenance
−$4,320
− Management
−$4,320
− Depreciation
−$11,607
Taxable income
$8,481
combined federal + state — saved on this device
Est. tax owed @ 24.0%
−$2,035
After-tax cash flow
$12,594/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

District
Wilmington City
NCES district ID
3904511
Math proficiency
42% ▼ -16.00%
Reading proficiency
51% ▼ -6.00%
Median HH income
$43,201
Composite
39.2/100
National rank
#4020
State rank
#492 of 656 in OH

Livability — Wilmington

Score
77/100
State rank
#202
US rank
#3127

Category grades

Amenities D Commute F Cost of living A+ Crime C Employment F Housing A+ Health & safety A+ User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
Wilmington, OH
County
Clinton · 46,911 people
Population (ZIP)
22,442
Household income
$70,483
Rent vs Own
30.6% rent · 69.4% own
Severe rent burden
9.5

Population outlook (Clinton County) Hauer SSP2

Today (2025)
41,352 people
By 2030
40,831 · -1.3%
By 2040
39,049 · -5.6%
By 2050
36,408 · -12.0%
By 2075
29,652 · -28.3%
By 2100
20,736 · -49.9%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Predominantly White (91%)
Race & ethnicity
White 91% Two or more races 3% Black 3% Hispanic / Latino 2% Asian 1%
Common ancestry
Lithuanian 2% Slovak 2% Romanian 2%
Foreign-born
3% · Canada, Jamaica
Languages at home
97% English-only · Spanish 1% Other Asian/Pacific 1%

Political lean MEDSL · Clinton

2024 margin
Solid R (+54.6) · D 22.3% · R 76.9%
2008→2024 swing
-24.3pp toward R · 2008: -30.3pp · 2024: -54.6pp
All cycles
2024: R+54.6 2020: R+52.6 2016: R+52.6 2012: R+35.2 2008: R+30.3

Not yet ingested

Civics

Market trends

HPI YoY
▼ -150.35%
Current HPI
238.9182
Rent YoY
Metro
State GDP YoY
▲ 1.98%
F500 in state
48

Industry mix (Fortune 500 HQ in OH)

Industry F500 HQs Revenue

Price history

+157.2% since first listed
21 events — show timeline
  • 2026-05-17 Relisted Dayton MLS
  • 2026-05-17 Price Changed $409,000 Dayton MLS
  • 2026-05-12 Relisted Cincy MLS
  • 2026-05-06 Listing Removed Dayton MLS
  • 2026-05-05 Listing Removed Cincy MLS
  • 2026-05-05 Price Changed $409,000 Cincy MLS
  • 2026-04-04 Contingent Dayton MLS
  • 2026-04-04 Contingent Cincy MLS
  • 2026-03-24 Price Changed $399,999 Dayton MLS
  • 2026-03-24 Price Changed $399,999 Cincy MLS
  • 2026-03-11 Listed $419,000 Cincy MLS
  • 2026-03-11 Listed $419,000 Dayton MLS
  • 2025-09-19 Sold (Public Records) $129,000 Public Records
  • 2025-09-05 Sold (MLS) $129,000 Cincy MLS
  • 2025-08-20 Contingent Cincy MLS
  • 2025-08-12 Relisted Cincy MLS
  • 2025-07-28 Contingent Cincy MLS
  • 2025-07-25 Relisted Cincy MLS
  • 2025-07-17 Contingent Cincy MLS
  • 2025-07-09 Price Changed $139,500 Cincy MLS
  • 2025-06-24 Listed $159,000 Cincy MLS

Property tax history

-7.5%/yr

Latest (2025): $926 · -72.2% YoY. Source: county tax records.

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

Loading sold comps…