Lima, OH Metro Area - Investment Guide
Metro Area • 8 Cities • 10 ZIP Codes
Avg Home Value
$191,513
Avg Monthly Rent
$1,037
Avg Cap Rate
4.85%
Avg Investability
3.2 ★
Cities
8
ZIP Codes
10
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Market Trends
Metro Home Value History
Metro Rent History
🏦 30-yr Fixed Rate:
6.76%
as of Sep 10
Source: Freddie Mac PMMS
☀️
WARM MARKET
Lima, OH Metro Area
Seller-favorable conditions, steady activity
0 days
Average time to sell
Very Fast
11.4%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅
Market conditions data as of August 29, 2026 — updated weekly
Best ZIP codes in Lima, OH
Every ZIP in the metro, ranked four ways. Free.
Cities in Lima, OH
Top ZIP Codes by Investability
| ZIP Code | City | State | Home Value | Rent | Cap Rate | Rating |
|---|---|---|---|---|---|---|
| 45804 | Lima | OH | $81,687 | $1,000 | 9.55% | |
| 45804 | Lima | OH | $77,176 | $1,035 | 10.46% | |
| 45804 | Lima | OH | $84,210 | $1,000 | 9.26% | |
| 45804 | Lima | OH | $80,985 | $1,000 | 9.63% | |
| 45804 | Lima | OH | $79,523 | $1,000 | 9.81% | |
| 45804 | Lima | OH | $82,966 | $1,000 | 9.40% | |
| 45804 | Lima | OH | $77,176 | $1,035 | 10.46% | |
| 45801 | Lima | OH | $138,282 | $1,232 | 6.95% | |
| 45801 | Lima | OH | $138,282 | $1,232 | 6.95% | |
| 45820 | Cairo | OH | $138,433 | $918 | 5.17% | |
| 45805 | Lima | OH | $195,731 | $1,044 | 4.16% | |
| 45830 | Columbus Grove | OH | $229,625 | $1,008 | 3.42% | |
| 45806 | Fort Shawnee | OH | $237,071 | $1,044 | 3.43% | |
| 45850 | Harrod | OH | $229,049 | $990 | 3.37% | |
| 45887 | Spencerville | OH | $190,944 | $927 | 3.79% | |
| 45808 | Beaverdam | OH | $125,958 | $1,062 | 6.58% | |
| 45817 | Bluffton | OH | $275,833 | $936 | 2.65% | |
| 45805 | Lima | OH | $186,191 | $1,044 | 4.37% | |
| 45820 | Cairo | OH | $145,763 | $918 | 4.91% | |
| 45806 | Fort Shawnee | OH | $225,005 | $1,044 | 3.62% | |
| 45830 | Columbus Grove | OH | $242,195 | $1,008 | 3.25% | |
| 45808 | Beaverdam | OH | $112,485 | $1,062 | 7.36% | |
| 45850 | Harrod | OH | $243,456 | $990 | 3.17% | |
| 45887 | Spencerville | OH | $203,897 | $927 | 3.55% | |
| 45801 | Lima | OH | $140,727 | $1,170 | 6.48% | |
| 45817 | Bluffton | OH | $263,156 | $936 | 2.77% | |
| 45820 | Cairo | OH | $138,433 | $918 | 5.17% | |
| 45805 | Lima | OH | $193,640 | $1,044 | 4.21% | |
| 45830 | Columbus Grove | OH | $229,625 | $1,008 | 3.42% | |
| 45806 | Fort Shawnee | OH | $234,537 | $1,044 | 3.47% | |
| 45850 | Harrod | OH | $229,049 | $990 | 3.37% | |
| 45887 | Spencerville | OH | $190,944 | $927 | 3.79% | |
| 45808 | Beaverdam | OH | $121,540 | $1,062 | 6.82% | |
| 45817 | Bluffton | OH | $270,344 | $936 | 2.70% | |
| 45801 | Lima | OH | $143,431 | $1,134 | 6.17% | |
| 45820 | Cairo | OH | $141,944 | $918 | 5.04% | |
| 45805 | Lima | OH | $197,879 | $1,354 | 5.34% | |
| 45830 | Columbus Grove | OH | $236,148 | $1,008 | 3.33% | |
| 45806 | Fort Shawnee | OH | $241,035 | $1,044 | 3.38% | |
| 45850 | Harrod | OH | $239,200 | $990 | 3.23% | |
| 45887 | Spencerville | OH | $198,806 | $927 | 3.64% | |
| 45801 | Lima | OH | $136,835 | $1,158 | 6.60% | |
| 45808 | Beaverdam | OH | $124,247 | $1,062 | 6.67% | |
| 45817 | Bluffton | OH | $280,014 | $936 | 2.61% | |
| 45805 | Lima | OH | $186,150 | $1,044 | 4.37% | |
| 45820 | Cairo | OH | $146,305 | $918 | 4.89% | |
| 45806 | Fort Shawnee | OH | $225,568 | $1,044 | 3.61% | |
| 45830 | Columbus Grove | OH | $248,433 | $1,008 | 3.16% | |
| 45850 | Harrod | OH | $247,500 | $990 | 3.12% | |
| 45808 | Beaverdam | OH | $113,399 | $1,062 | 7.30% |
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About Lima, OH Real Estate Market
The Lima, OH metropolitan statistical area (MSA) encompasses 8 cities and 10 ZIP codes. The average home value across the metro is $191,513, with an average monthly rent of $1,037. Explore individual cities and ZIP codes to find investment opportunities that match your criteria.