How much house can I afford on $90,000 in Ohio?
About $304,000 with 20% down ($245,000 with an FHA loan), using Ohio's 1.22% property tax rate.
That is $58,339 more than the typical Ohio home ($245,982), so a $90,000 salary can buy a typical home here. The payment of $2,100 covers $1,638 principal and interest, $310 property tax and $152 insurance.
Counties in Ohio you can afford on $90,000
76 of 88 counties have a typical home value at or below $304,000. The 25 priciest of them:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| 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% |
| 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% |
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 $90,000 in Ohio?
About $304,000 with 20% down at 7.11%, keeping the payment (with Ohio's 1.22% property tax and insurance) under $2,100 a month.
Is $90,000 enough to buy a house in Ohio?
Yes: the typical Ohio home is worth $245,982 (Zillow, September 2026) and $90,000 supports about $304,000. 76 of 88 counties are within budget.