How much house can I afford on $80,000 in Ohio?
About $271,000 with 20% down ($218,000 with an FHA loan), using Ohio's 1.22% property tax rate.
That is $24,525 more than the typical Ohio home ($245,982), so a $80,000 salary can buy a typical home here. The payment of $1,867 covers $1,456 principal and interest, $276 property tax and $135 insurance.
Counties in Ohio you can afford on $80,000
68 of 88 counties have a typical home value at or below $271,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| Brown County | $260,279 | +2.1% | 0.82% |
| Champaign County | $255,719 | +7.4% | 1.02% |
| Clinton County | $253,731 | +4.1% | 0.93% |
| Logan County | $253,679 | +3.7% | 1% |
| Lake County | $249,918 | +3.4% | 1.62% |
| Shelby County | $246,250 | +7.0% | 0.95% |
| Fayette County | $244,757 | +3.1% | 0.94% |
| Ashland County | $244,608 | +4.3% | 0.99% |
| Auglaize County | $242,461 | +6.2% | 0.96% |
| Wood County | $242,240 | +2.6% | 1.34% |
| Erie County | $240,422 | +3.4% | 1.22% |
| Hancock County | $239,297 | +3.7% | 1% |
| 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% |
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 $80,000 in Ohio?
About $271,000 with 20% down at 7.11%, keeping the payment (with Ohio's 1.22% property tax and insurance) under $1,867 a month.
Is $80,000 enough to buy a house in Ohio?
Yes: the typical Ohio home is worth $245,982 (Zillow, September 2026) and $80,000 supports about $271,000. 68 of 88 counties are within budget.