How much house can I afford on $70,000 in Ohio?
About $237,000 with 20% down ($191,000 with an FHA loan), using Ohio's 1.22% property tax rate.
That is $9,288 less than the typical Ohio home ($245,982), so on $70,000 you'd look at cheaper areas or a smaller home. The payment of $1,633 covers $1,274 principal and interest, $241 property tax and $118 insurance.
Counties in Ohio you can afford on $70,000
51 of 88 counties have a typical home value at or below $237,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Preble County | $235,943 | +7.3% | 1.04% |
| Fulton County | $230,046 | +2.7% | 1.28% |
| Summit County | $227,458 | +3.6% | 1.53% |
| Perry County | $221,504 | +1.2% | 0.95% |
| Darke County | $220,288 | +8.5% | 0.91% |
| Stark County | $218,921 | +4.2% | 1.29% |
| Cuyahoga County | $218,659 | +3.3% | 2% |
| Tuscarawas County | $218,297 | +6.0% | 1.06% |
| Henry County | $211,247 | +5.4% | 1.17% |
| Muskingum County | $211,125 | +2.2% | 0.91% |
| Carroll County | $203,750 | +8.6% | 0.94% |
| Montgomery County | $202,892 | +2.9% | 1.73% |
| Ross County | $201,557 | +3.7% | 1% |
| Highland County | $200,703 | +4.1% | 0.91% |
| Clark County | $199,692 | +3.2% | 1.19% |
| Richland County | $198,720 | +6.0% | 1.25% |
| Huron County | $195,481 | +4.6% | 1.05% |
| Coshocton County | $191,924 | +6.8% | 0.95% |
| Wyandot County | $191,318 | +4.1% | 0.86% |
| Hardin County | $191,242 | +4.7% | 1.05% |
| Allen County | $190,690 | +5.1% | 1.12% |
| Noble County | $189,907 | +3.6% | 0.72% |
| Sandusky County | $188,459 | +4.2% | 1.03% |
| Van Wert County | $186,641 | +3.3% | 0.91% |
| Adams County | $186,518 | +1.5% | 0.83% |
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 $70,000 in Ohio?
About $237,000 with 20% down at 7.11%, keeping the payment (with Ohio's 1.22% property tax and insurance) under $1,633 a month.
Is $70,000 enough to buy a house in Ohio?
Not the typical home: the typical Ohio home is worth $245,982 (Zillow, September 2026) and $70,000 supports about $237,000. 51 of 88 counties are within budget.