Cost of Living & Housing in Celina
Celina's cost of living pairs housing running close to the Ohio statewide average -- with a genuine lakefront premium on Grand Lake St. Marys -- against Celina's own directly-collected local income tax and a real, disclosed property-tax-rate gap across the city's two-county footprint.
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Learn moreHousing close to the Ohio statewide average, with a genuine lakefront premium
Celina's average home value (45822 ZIP) ran approximately $242,279 as of April 2026, up 7.7% year-over-year -- modestly below the Ohio statewide average range ($218,865-$251,502). Properties directly on Grand Lake St. Marys command a real, genuine premium over inland city housing stock not independently broken out this pass; confirm current, specific listings directly (base record).
A real, disclosed property-tax-rate gap across Celina's two-county footprint
Celina genuinely spans both Mercer and Auglaize counties, with a real, disclosed gap in effective property tax rate between the two portions: approximately 1.41% in the Mercer County portion (median bill ~$2,138) versus a notably higher approximately 1.97% in the Auglaize County portion (base record).
Celina's own 1.5% city income tax
Celina levies a real, current 1.5% municipal income tax, effective since January 1, 2011, administered through the city's own dedicated filing infrastructure. Ohio's flat 2.75% state income tax (above a $26,050 exemption) and 5.75% state base sales tax apply on top (base record).
A comparatively healthy area median income
Celina's median household income ran $62,849, with a poverty rate of approximately 11.39% -- both comparatively healthy for this project's Ohio Tier C batch, though notably below the broader Mercer County median ($76,782) (base record).
Key takeaways
- Celina's housing ($242,279 average value) runs close to, modestly below, the Ohio statewide average -- with a genuine lakefront premium on Grand Lake St. Marys.
- Celina genuinely spans two counties, with a real, disclosed property-tax-rate gap between the Mercer (~1.41%) and Auglaize (~1.97%) portions.
- Celina's own 1.5% city income tax is administered through the city's own filing infrastructure.
- Median household income ($62,849) is comparatively healthy, though below the broader Mercer County median.
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