How much house can I afford on $250,000 in Ohio?
About $845,000 with 20% down ($681,000 with an FHA loan), using Ohio's 1.22% property tax rate.
That is $599,354 more than the typical Ohio home ($245,982), so a $250,000 salary can buy a typical home here. The payment of $5,833 covers $4,549 principal and interest, $861 property tax and $423 insurance.
Counties in Ohio you can afford on $250,000
88 of 88 counties have a typical home value at or below $845,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Delaware County | $515,396 | +1.1% | 1.6% |
| Union County | $411,030 | +1.8% | 1.14% |
| Warren County | $407,863 | +1.6% | 1.2% |
| Geauga County | $398,271 | +6.1% | 1.38% |
| Holmes County | $367,123 | +6.9% | 1.08% |
| Fairfield County | $361,623 | +1.9% | 1.1% |
| Medina County | $348,695 | +4.0% | 1.24% |
| Licking County | $340,409 | +4.0% | 1.22% |
| Pickaway County | $327,922 | +2.5% | 1% |
| Clermont County | $326,509 | +2.2% | 1.25% |
| Madison County | $320,250 | +2.2% | 1.02% |
| Butler County | $313,302 | +3.3% | 1.22% |
| Greene County | $300,208 | +3.2% | 1.61% |
| Franklin County | $292,001 | +0.0% | 1.47% |
| Knox County | $288,681 | +4.6% | 1.07% |
| Morrow County | $286,534 | +4.4% | 1.06% |
| Hocking County | $284,239 | +3.7% | 0.99% |
| Portage County | $282,245 | +5.3% | 1.27% |
| Mercer County | $275,628 | +5.2% | 1.1% |
| Ottawa County | $273,705 | +1.3% | 1.08% |
| Miami County | $268,300 | +2.5% | 0.98% |
| Hamilton County | $266,241 | +0.8% | 1.51% |
| Wayne County | $264,392 | +3.8% | 1.17% |
| Putnam County | $260,924 | +9.1% | 0.97% |
| Lorain County | $260,654 | +4.8% | 1.37% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 1.22% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Ohio
Frequently asked questions
How much house can I afford on $250,000 in Ohio?
About $845,000 with 20% down at 7.11%, keeping the payment (with Ohio's 1.22% property tax and insurance) under $5,833 a month.
Is $250,000 enough to buy a house in Ohio?
Yes: the typical Ohio home is worth $245,982 (Zillow, September 2026) and $250,000 supports about $845,000. 88 of 88 counties are within budget.