Median Income
$51,250
32% lower than US avg
Home Value
$175,000
38% lower than US avg
Violent Crime
190/100K
50% lower than US avg
Bachelor's+
7.3%
78% lower than US avg
Median Rent
$1,063
9% lower than US avg
Obesity Rate
41.8%
30% higher than US avg
Unemployment
0.0%
100% lower than US avg
Poverty Rate
0.0%
100% lower than US avg
How Mutual Compares to the U.S. Average (100% = U.S. avg)
People
Population73
Median Age53.2 yrs
Density521/mi²
Male / Female47% / 53%
Largest GroupWhite 100%
Veterans58.0%
Economy
A
Median Income$51,250
Per Capita$27,138
Unemployment0.0%
Poverty0.0%
County GDP$1,680M
Commute30 min
Housing
A+
Home Value$175,000
Rent$1,063
Ownership78.8%
Zillow$185,322
Housing Units37
Rent Burden42.5%
Crime
F
Violent190/100K
Property3,436/100K
Health
Obesity41.8%
Uninsured7.3%
Smoking15.8%
Depression26.9%
Heart Disease5.6%
Climate
Avg Temp51°F (11°C)
AQI43 (Good)
Rain44.0 in/yr
Sunny Days275/yr
Elevation1,186 ft (361 m)
Education
D
Bachelor's+7.3%
High School+92.7%
Graduate+3.9%
School Score5.75
Community
2024 VoteR 75% / D 24%
Commute30 min
Broadband33.0%
EV Stations2
Libraries5
Is Mutual a Good Place to Live?
Based on current data, Mutual receives an overall livability score of 2.8 out of 5.0, earning a grade of C+. Key strengths include low unemployment, low crime rates, affordable housing, abundant sunshine. Areas to be aware of include below-average incomes, high obesity rates. Mutual has some notable strengths but also faces challenges that prospective residents should consider.
Economy & Jobs
The median household income in Mutual is $51,250, 32% below the national average of $75,149. The job market is very strong with unemployment at just 0.0%. Only 0.0% of residents live below the poverty line, well below the national rate of 12.4%. Workers commute an average of 30 minutes.
Cost of Living & Housing
The median home value in Mutual is $175,000, 38% below the national median / offering relatively affordable homeownership. Renters pay a median of $1,063 per month. A price-to-income ratio of 3.4x indicates a reasonably affordable housing market.
Safety & Crime
Violent crime in Mutual is below the national average at 190 per 100,000 residents (U.S. avg: 380). Property crime occurs at a rate of 3,436 per 100,000, 75% above the national average.
Education
7.3% of residents hold a bachelor's degree, below the national average of 33.7%. 92.7% have completed high school. Area schools have an average test score of 5.7/10.
Climate & Weather
Mutual experiences four distinct seasons with an average temperature of 51°F. Winters average 27°F in January while summers reach 74°F in July. With 275 sunny days per year, residents enjoy well above the national average of sunshine. Annual precipitation totals 44.0 inches. Air quality is rated Good with a median AQI of 43.
Mutual has a population of 73 with a density of 521 people per square mile, spread across 0.1 square miles. The median age is 53.2 years, 37% older than the national median of 38.9. The gender split is 53.4% female and 46.6% male. The city is predominantly White (100%). English is the primary language spoken at home by 100% of residents. 58.0% of the population are veterans, above the national rate of 6.0%. 15.0% of residents have a disability. 85.0% have health insurance coverage.
Population
53.2yrs
Median Age
37% above US avg
Language Spoken at Home
English Only
100.0%
27% above US avg
Spanish
0.0%
100% below US avg
The median household income in Mutual is $51,250, which is 32% below the national average of $75,149. Per capita income is $27,138 (below the $39,052 national figure). The average weekly wage is $1,001, 30% lower than the U.S. average. The unemployment rate is 0.0% (below the 3.6% US average). 0.0% of residents live below the poverty line, lower than the national rate of 12.4%. The area has 747 business establishments, including 54 restaurants. The cost of living index is 92.8, below the national baseline of 100 / offering relatively affordable living. Workers commute an average of 30 minutes. 7.7% of workers work from home (below the 15.2% national rate).
Income
| Median HH Income | $51,250 |
| 32% below US avg |
| Per Capita Income | $27,138 |
| Avg Weekly Wage | $1,001 |
| IRS Avg AGI | $65,047 |
| Gini Index | 0.376 (0=equal, 1=unequal) |
Employment & Poverty
| Unemployment | 0.0% |
| 100% below US avg |
| Poverty Rate | 0.0% |
| 100% below US avg |
| Establishments (County) | 747 |
| County GDP | $1,680M |
Business (County)
| Restaurants | 54 |
| Healthcare | 47 |
| Retail | 73 |
| Manufacturing | 39 |
Tax & Cost of Living
| Property Tax (IRS) | $4,100 |
| 17% above US avg |
| Cost of Living | 92.80 (100=avg) |
| Effective Tax Rate | 2.34% |
Commute & Transportation
| Commute Time | 29.8 min |
| Drive Alone | 84.6% |
| Public Transit | 0.0% |
| Work from Home | 7.7% |
The median home value in Mutual is $175,000, 38% below the national median of $281,900. Zillow estimates the typical home value at $185,322. Monthly rent averages $1,063 (9% below the national average of $1,163). Fair market rent ranges from $873 for a one-bedroom to $1,092 for a two-bedroom apartment. 78.8% of housing units are owner-occupied (above the 65.4% national rate). There are 37 total housing units in the city. The median year a home was built is 1959. The average annual property tax is $4,100 (higher than the $3,500 national average). 42.5% of renters spend 30% or more of their income on housing, indicating a significant affordability challenge for renters. The home price-to-income ratio is 3.4x.
Home Values
| Census Median | $175,000 |
| 38% below US avg |
| Zillow ZHVI | $185,322 |
Real Estate Market (Redfin)
Rental Costs
| Census Median Rent | $1,063 |
| 9% below US avg |
| Rent Burden | 42.5% |
HUD Fair Market Rent
| Studio | $816 |
| 1 Bedroom | $873 |
| 2 Bedrooms | $1,092 |
| 3 Bedrooms | $1,388 |
| 4 Bedrooms | $1,550 |
Ownership & Property
| Homeownership | 78.8% |
| Owner-Occupied | 78.8% |
| Renter-Occupied | 21.2% |
| Housing Units | 37 |
| Median Year Built | 1959 |
Property Tax
| Avg Tax (IRS) | $4,100 |
| 17% above US avg |
| Effective Rate | 2.34% |
In Mutual, 41.8% of adults are obese, above the national rate of 32.1%. 9.6% have diabetes. Heart disease affects 5.6% of residents. 31.7% have high blood pressure. 15.8% are current smokers. 19.0% report binge drinking. 24.3% are physically inactive. 26.9% report depression (above the 20.0% national average). 18.7% experience frequent mental distress. 7.3% of residents lack health insurance. The primary care physician ratio is 1:6,450. The dentist ratio is 1:2,978. 51.7% of residents have access to exercise opportunities. The food environment index is 8.5 out of 10.
Health Metrics: Mutual vs U.S. Average (%)
Chronic Conditions
| Obesity | 41.8% |
| 30% above US avg |
| Diabetes | 9.6% |
| Heart Disease | 5.6% |
| High Blood Pressure | 31.7% |
| Asthma | 11.0% |
| COPD | 6.7% |
| Cancer | 7.7% |
| Stroke | 2.8% |
Behaviors & Mental Health
| Smoking | 15.8% |
| 13% above US avg |
| Binge Drinking | 19.0% |
| Physical Inactivity | 24.3% |
| Depression | 26.9% |
| Mental Distress | 18.7% |
| Physical Distress | 12.8% |
| Short Sleep | 41.9% |
Healthcare Access
| Insurance Rate | 85.0% |
| Uninsured | 7.3% |
| 15% below US avg |
| Primary Care | 1:6,450 |
| Dentists | 1:2,978 |
| Mental Health | 1:903 |
| Checkup Rate | 76.8% |
| Dental Visits | 65.8% |
| Premature Death | 8,612/100K |
Food & Exercise
| Food Environment | 8.5/10 |
| Exercise Access | 51.7% |
| Healthcare Facilities | 47 |
Mutual has a violent crime rate of 190 per 100,000 residents, 50% below the national average of 380. Property crime stands at 3,436 per 100,000, 75% above the U.S. average. The county recorded 5 fatal traffic crashes. Overall, Mutual receives a safety grade of F.
Crime Rates: Mutual vs U.S. Average (per 100,000)
Violent Crime
| Total Violent | 189.9/100K |
| 50% below US avg |
| |
Property Crime
| Total Property | 3,435.8/100K |
| 75% above US avg |
Traffic Safety
| Fatal Crashes (County/yr) | 5 |
| Avg Accident Severity | 0.0 / 4.0 |
Safety Score
| Safety Grade | F |
| Safety Score | 1.0 / 5.0 |
Mutual experiences four distinct seasons with an average annual temperature of 51°F (11°C). Winters average 27°F in January while summers reach 74°F in July. The area gets 275 sunny days per year, well above the U.S. average of 205 / making it one of the sunnier locations in the country. Annual precipitation totals 44.0 inches. Air quality is rated Good with a median AQI of 43. The city sits at an elevation of 1,186 feet.
Temperature
27°F Jan (-3°C)
74°F Jul (23°C)
| Annual Average | 51.2°F |
| 5% below US avg |
| January Average | 27°F (-3°C) |
| July Average | 74°F (23°C) |
| Sunny Days | 275 days/yr |
Geography
| Elevation | 1,186 ft (361 m) |
| Area | 0.1 sq mi (0.4 km²) |
| Population Density | 521/sq mi |
| Coordinates | 40.0794°N, 83.6369°W |
| Timezone | America/New_York |
| County | Champaign County County |
| Nearest Airport | James M Cox Dayton International (DAY)
33 miles away |
Precipitation & Snow
Annual Rainfall
44.0"
16% above US avg
Wettest Month (Jul)
4.33"
Air Quality
| AQI Median | 43.0 |
| Rating | Good |
Natural Hazard Risk
| Overall Risk | Very Low |
| Risk Score | 26.8 / 100 |
| Social Vulnerability | 19.8 / 100 |
| Community Resilience | 82.4 / 100 |
Hazard Breakdown
| Tornado |
Relatively Low |
| Hurricane |
Very Low |
| Earthquake |
Very Low |
| Wildfire |
Very Low |
| Flood |
Relatively Low |
| Hail |
Relatively Low |
| Strong Wind |
Relatively Low |
| Heat Wave |
Very Low |
| Winter Weather |
Relatively Low |
| Lightning |
Relatively Low |
| Ice Storm |
Relatively Low |
| Drought |
Relatively Low |
| Cold Wave |
Relatively Low |
| Landslide |
Very Low |
Source: FEMA National Risk Index v1.20 (Dec 2025)
Earthquake History
12 earthquakes (M2.5+) within 150 km since 1990.
Strongest: M3.6. Most recent: M3.4 on May 24, 2017.
| Feb 19, 1995 |
8 km SSE of Rocky Fork Point, Ohio |
M3.6 |
108 km |
| Nov 20, 2013 |
2 km SW of Buchtel, Ohio |
M3.5 |
141 km |
| May 24, 2017 |
1 km S of McArthur, Ohio |
M3.4 |
137 km |
| Apr 17, 1990 |
8 km NW of Fort Recovery, Ohio |
M3.0 |
111 km |
| Apr 4, 1994 |
2 km WNW of Minster, Ohio |
M2.9 |
74 km |
| May 12, 2006 |
2 km E of Lima, Ohio |
M2.8 |
83 km |
| Mar 17, 1999 |
2 km NNE of Ripley, Ohio |
M2.8 |
148 km |
| May 14, 2010 |
1 km ENE of Gibsonburg, Ohio |
M2.7 |
149 km |
| Jun 12, 2015 |
6 km NW of Convoy, Ohio |
M2.6 |
136 km |
| Feb 11, 2015 |
8 km SE of Richmond Dale, Ohio |
M2.6 |
129 km |
| Jan 30, 2004 |
2 km S of Rockford, Ohio |
M2.5 |
108 km |
| Jun 4, 1990 |
4 km SSE of Van Buren, Ohio |
M2.5 |
113 km |
Source: USGS (M2.5+, 1990–2025)
Tornado History
501 tornadoes (EF0+) within 100 km since 1950.
Strongest: EF5. Total: 69 fatalities, 2,088 injuries.
| Date |
Rating |
Distance |
Fatalities |
| Apr 3, 1974 |
EF5 |
61 km |
36 |
| May 27, 2019 |
EF4 |
76 km |
0 |
| Sep 20, 2000 |
EF4 |
56 km |
1 |
| Apr 11, 1965 |
EF4 |
93 km |
13 |
| Apr 11, 1965 |
EF4 |
70 km |
3 |
| Mar 14, 2024 |
EF3 |
66 km |
3 |
| May 27, 2019 |
EF3 |
72 km |
0 |
| May 27, 2019 |
EF3 |
53 km |
0 |
| May 14, 2014 |
EF3 |
48 km |
0 |
| Nov 10, 2002 |
EF3 |
31 km |
0 |
| Oct 13, 1999 |
EF3 |
77 km |
0 |
| Jun 30, 1993 |
EF3 |
98 km |
0 |
| May 31, 1985 |
EF3 |
79 km |
1 |
| Jun 13, 1981 |
EF3 |
78 km |
4 |
| May 10, 1973 |
EF3 |
23 km |
0 |
| Jun 2, 1971 |
EF3 |
98 km |
0 |
| May 24, 1971 |
EF3 |
51 km |
0 |
| Feb 22, 1971 |
EF3 |
61 km |
0 |
| Sep 3, 1970 |
EF3 |
74 km |
0 |
| May 8, 1969 |
EF3 |
62 km |
0 |
Source: NOAA SPC (EF0+, 1950–2024)
Monthly Weather
| Month |
Avg Temperature |
Precipitation |
Summary |
| January |
27°F (-3°C) |
2.1 in |
Coldest |
| February |
29°F (-2°C) |
2.1 in |
Driest |
| March |
39°F (4°C) |
3.1 in |
|
| April |
49°F (10°C) |
3.6 in |
|
| May |
60°F (16°C) |
4.1 in |
|
| June |
69°F (20°C) |
3.9 in |
|
| July |
74°F (23°C) |
4.3 in |
Warmest, Wettest |
| August |
71°F (21°C) |
3.5 in |
|
| September |
64°F (18°C) |
3.0 in |
|
| October |
53°F (12°C) |
2.6 in |
|
| November |
42°F (5°C) |
3.1 in |
|
| December |
32°F (-0°C) |
2.8 in |
|
Mutual has a seasonal temperature swing of 46°F / from 27°F in January to 74°F in July. Total annual precipitation is 38.2 inches, with July being the wettest month (4.3") and February the driest (2.1").
Average costs for common services in Mutual. Prices are estimated based on regional cost of living data and may vary by provider.
Healthcare
| Doctor Visit (Primary Care) |
$232 ($139–$371) |
| Specialist Visit |
$325 ($186–$510) |
| Urgent Care Visit |
$186 ($93–$325) |
| Emergency Room Visit |
$2,042 ($742–$4,640) |
| Dental Cleaning |
$121 ($70–$186) |
| Dental Filling |
$232 ($139–$371) |
View all 40 services
Auto Repair
| Oil Change (Conventional) |
$42 ($23–$70) |
| Oil Change (Synthetic) |
$70 ($46–$111) |
| Brake Pad Replacement |
$278 ($139–$464) |
| Tire Rotation |
$37 ($19–$70) |
| New Tires (Set of 4) |
$557 ($371–$928) |
| Battery Replacement |
$186 ($93–$325) |
View all 18 services
Home Services
| Plumber (Per Hour) |
$93 ($56–$139) |
| Electrician (Per Hour) |
$84 ($46–$130) |
| HVAC Repair |
$371 ($139–$742) |
| HVAC System Install |
$6,496 ($3,712–$11,136) |
| Roof Repair |
$928 ($371–$1,856) |
| Roof Replacement |
$8,352 ($5,104–$13,920) |
View all 25 services
Legal
| Divorce (Uncontested) |
$1,392 ($464–$3,248) |
| Divorce (Contested) |
$13,920 ($4,640–$27,840) |
| DUI Defense |
$4,640 ($1,856–$9,280) |
| Bankruptcy (Chapter 7) |
$1,392 ($742–$2,784) |
| Will Preparation |
$464 ($186–$928) |
| Trust Preparation |
$2,320 ($928–$4,640) |
View all 12 services
Personal Care
| Men's Haircut |
$23 ($14–$42) |
| Women's Haircut |
$51 ($28–$93) |
| Hair Coloring (Full) |
$139 ($70–$232) |
| Manicure |
$23 ($14–$42) |
| Pedicure |
$37 ($23–$60) |
| Massage (1 Hour) |
$74 ($46–$121) |
View all 12 services
Food & Grocery
| Gallon of Milk (per gallon) |
$3.80 ($2.78–$5.10) |
| Dozen Eggs (per dozen) |
$3.25 ($2.32–$4.64) |
| Loaf of Bread |
$3.53 ($2.32–$5.10) |
| Chicken Breast (per lb) |
$4.18 ($2.78–$6.03) |
| Ground Beef (per lb) |
$5.10 ($3.71–$6.96) |
| Rice (per lb) |
$0.93 ($0.56–$1.67) |
View all 20 services
Utilities
| Electricity (Monthly) |
$130 ($74–$232) |
| Natural Gas (Monthly) |
$65 ($28–$139) |
| Water/Sewer (Monthly) |
$65 ($37–$111) |
| Internet (Monthly) |
$65 ($37–$93) |
| Cell Phone Plan (Monthly) |
$60 ($28–$93) |
| Cable TV (Monthly) |
$79 ($46–$139) |
View all 8 services
Transportation
| Monthly Parking (Downtown) |
$186 ($70–$464) |
| Car Insurance (Annual) |
$1,856 ($1,114–$3,248) |
| Bus Pass (Monthly) |
$65 ($28–$121) |
| Taxi/Uber (5-Mile Ride) |
$14 ($7.42–$23) |
| Car Registration (Annual) |
$93 ($28–$232) |
| Driver's License Renewal |
$28 ($14–$70) |
View all 8 services
Education & Childcare
| Daycare (Infant, Monthly) |
$1,114 ($557–$2,320) |
| Daycare (Toddler, Monthly) |
$928 ($464–$1,856) |
| After-School Care (Monthly) |
$371 ($186–$650) |
| Tutoring (Per Hour) |
$46 ($23–$93) |
| SAT/ACT Prep Course |
$928 ($371–$2,320) |
| Private School (K-12, Annual) |
$11,600 ($4,640–$27,840) |
View all 8 services
Pets
| Vet Visit (Routine Checkup) |
$56 ($28–$93) |
| Dog Vaccination (Annual) |
$93 ($46–$186) |
| Dog Grooming |
$56 ($28–$93) |
| Pet Boarding (Per Night) |
$37 ($19–$70) |
| Dog Spay/Neuter |
$278 ($139–$464) |
| Cat Spay/Neuter |
$186 ($93–$371) |
View all 9 services
Childcare
| Center-Based (monthly) |
| Infant | $751 |
| Toddler | $693 |
| Preschool | $615 |
| Family Childcare (monthly) |
| Infant | $671 |
| Toddler | $660 |
| Preschool | $610 |
Source: DOL Women's Bureau (2022)
Frequently Asked Questions About Mutual
What is the population of Mutual?
Mutual has a population of 73 residents and is located in Ohio. The population density is 521 people per square mile, spread across 0.1 square miles. The median age of residents is 53.2 years, which is older than the national median of 38.9 years. The population is 53.4% female and 46.6% male.
Is Mutual expensive to live in?
Mutual is more affordable than the national average, with a cost of living index of 92.8 / below the baseline of 100. The median household income is $51,250, 32% below the national average of $75,149. The median home value is $175,000 (38% below the U.S. median). Renters pay a median of $1,063 per month. The home price-to-income ratio is 3.4x, indicating housing is reasonably affordable relative to local income levels.
Is Mutual safe?
Mutual is safer than the national average, with a violent crime rate of 190 per 100,000 compared to the U.S. rate of 380. Property crime occurs at a rate of 3,436 per 100,000 (above the national average). Overall, Mutual receives a safety grade of F based on combined crime data.
What is the weather like in Mutual?
Mutual has a four-season climate with an average annual temperature of 51°F (11°C). Winter temperatures average 27°F in January, while summers reach an average of 74°F in July. The area receives 275 sunny days per year, well above the national average of 205. Annual rainfall totals 44.0 inches. Air quality is rated Good with a median Air Quality Index (AQI) of 43.
How is the job market in Mutual?
The job market in Mutual is very strong, with unemployment at just 0.0% / well below the national rate of 3.6%. The average weekly wage is $1,001. There are 747 business establishments in the area, including 54 restaurants and food service locations. The average commute time is 30 minutes, and 7.7% of workers work from home.
How much does housing cost in Mutual?
The median home value in Mutual is $175,000. Zillow estimates the typical home value at $185,322. For renters, the median monthly rent is $1,063. Fair market rent is $873 for a 1-bedroom and $1,092 for a 2-bedroom apartment. The homeownership rate is 78.8%. The average annual property tax is $4,100.
How are the schools in Mutual?
Schools in Mutual score 5.7 out of 10 on standardized testing, near the national average. 7.3% of adults in Mutual hold a bachelor's degree or higher, below the national average of 33.7%. 92.7% have completed high school. 3.9% hold a graduate or professional degree.
How healthy is Mutual?
The obesity rate in Mutual is 41.8% (above the national rate of 32.1%). 15.8% of adults are smokers. 24.3% are physically inactive. 26.9% of residents report depression. 7.3% lack health insurance. 51.7% of residents have access to exercise opportunities. The primary care physician ratio is 1:6,450.
What is transportation like in Mutual?
The average commute in Mutual is 30 minutes. 84.6% of workers drive alone to work, and 7.7% work from home.
What are the demographics of Mutual?
The racial and ethnic makeup of Mutual is 100% White. 100% of residents speak only English at home. 58.0% of the population are military veterans. 15.0% of residents have a disability. 85.0% have health insurance coverage.
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