Ohio home prices and mortgage costs
Typical home value $245,982 · +3.2% in a year · property tax 1.22%
Typical home value
$245,982
Payment (20% down)
$1,697
Income needed
$72,700
Ohio ranks 43rd most expensive of 51 states and D.C. Home values changed +3.2% over the past year and +29.8% over five years. Buying the typical home with 20% down costs about $1,697 a month at 7.11%, which needs a household income of about $72,700.
Cost of the typical Ohio home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $49,196 | $196,786 | $1,324 | $0 | $374 | $1,697 | $72,700 |
| 10% down | $24,598 | $221,384 | $1,489 | $92 | $374 | $1,955 | $83,800 |
| 5% down | $12,299 | $233,683 | $1,572 | $97 | $374 | $2,043 | $87,600 |
| 3.5% down (FHA) | $8,609 | $241,527 | $1,625 | $109 | $374 | $2,107 | $90,300 |
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.
Check a specific budget: how much house you can afford in Ohio by salary · payment on a $250K home in Ohio
Home prices by county in Ohio
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Delaware County | $515,396 | +1.1% | 1.6% | $3,719 | $159,400 |
| Union County | $411,030 | +1.8% | 1.14% | $2,810 | $120,400 |
| Warren County | $407,863 | +1.6% | 1.2% | $2,807 | $120,300 |
| Geauga County | $398,271 | +6.1% | 1.38% | $2,800 | $120,000 |
| Holmes County | $367,123 | +6.9% | 1.08% | $2,489 | $106,700 |
| Fairfield County | $361,623 | +1.9% | 1.1% | $2,459 | $105,400 |
| Medina County | $348,695 | +4.0% | 1.24% | $2,411 | $103,300 |
| Licking County | $340,409 | +4.0% | 1.22% | $2,349 | $100,700 |
| Pickaway County | $327,922 | +2.5% | 1% | $2,202 | $94,400 |
| Clermont County | $326,509 | +2.2% | 1.25% | $2,261 | $96,900 |
| Madison County | $320,250 | +2.2% | 1.02% | $2,155 | $92,300 |
| Butler County | $313,302 | +3.3% | 1.22% | $2,160 | $92,600 |
| Greene County | $300,208 | +3.2% | 1.61% | $2,170 | $93,000 |
| Franklin County | $292,001 | +0.0% | 1.47% | $2,076 | $89,000 |
| Knox County | $288,681 | +4.6% | 1.07% | $1,956 | $83,800 |
| Morrow County | $286,534 | +4.4% | 1.06% | $1,939 | $83,100 |
| Hocking County | $284,239 | +3.7% | 0.99% | $1,907 | $81,700 |
| Portage County | $282,245 | +5.3% | 1.27% | $1,958 | $83,900 |
| Mercer County | $275,628 | +5.2% | 1.1% | $1,875 | $80,300 |
| Ottawa County | $273,705 | +1.3% | 1.08% | $1,856 | $79,600 |
| Miami County | $268,300 | +2.5% | 0.98% | $1,798 | $77,100 |
| Hamilton County | $266,241 | +0.8% | 1.51% | $1,901 | $81,500 |
| Wayne County | $264,392 | +3.8% | 1.17% | $1,813 | $77,700 |
| Putnam County | $260,924 | +9.1% | 0.97% | $1,745 | $74,800 |
| Lorain County | $260,654 | +4.8% | 1.37% | $1,830 | $78,400 |
| Brown County | $260,279 | +2.1% | 0.82% | $1,708 | $73,200 |
| Champaign County | $255,719 | +7.4% | 1.02% | $1,722 | $73,800 |
| Clinton County | $253,731 | +4.1% | 0.93% | $1,688 | $72,300 |
| Logan County | $253,679 | +3.7% | 1% | $1,704 | $73,000 |
| Lake County | $249,918 | +3.4% | 1.62% | $1,808 | $77,500 |
| Shelby County | $246,250 | +7.0% | 0.95% | $1,644 | $70,400 |
| Fayette County | $244,757 | +3.1% | 0.94% | $1,631 | $69,900 |
| Ashland County | $244,608 | +4.3% | 0.99% | $1,641 | $70,300 |
| Auglaize County | $242,461 | +6.2% | 0.96% | $1,621 | $69,500 |
| Wood County | $242,240 | +2.6% | 1.34% | $1,696 | $72,700 |
| Erie County | $240,422 | +3.4% | 1.22% | $1,658 | $71,000 |
| Hancock County | $239,297 | +3.7% | 1% | $1,607 | $68,900 |
| Preble County | $235,943 | +7.3% | 1.04% | $1,592 | $68,200 |
| Fulton County | $230,046 | +2.7% | 1.28% | $1,598 | $68,500 |
| Summit County | $227,458 | +3.6% | 1.53% | $1,628 | $69,800 |
| Perry County | $221,504 | +1.2% | 0.95% | $1,478 | $63,300 |
| Darke County | $220,288 | +8.5% | 0.91% | $1,464 | $62,700 |
| Stark County | $218,921 | +4.2% | 1.29% | $1,523 | $65,300 |
| Cuyahoga County | $218,659 | +3.3% | 2% | $1,651 | $70,700 |
| Tuscarawas County | $218,297 | +6.0% | 1.06% | $1,476 | $63,300 |
| Henry County | $211,247 | +5.4% | 1.17% | $1,448 | $62,100 |
| Muskingum County | $211,125 | +2.2% | 0.91% | $1,401 | $60,000 |
| Carroll County | $203,750 | +8.6% | 0.94% | $1,358 | $58,200 |
| Montgomery County | $202,892 | +2.9% | 1.73% | $1,486 | $63,700 |
| Ross County | $201,557 | +3.7% | 1% | $1,353 | $58,000 |
| Highland County | $200,703 | +4.1% | 0.91% | $1,332 | $57,100 |
| Clark County | $199,692 | +3.2% | 1.19% | $1,372 | $58,800 |
| Richland County | $198,720 | +6.0% | 1.25% | $1,376 | $59,000 |
| Huron County | $195,481 | +4.6% | 1.05% | $1,322 | $56,600 |
| Coshocton County | $191,924 | +6.8% | 0.95% | $1,280 | $54,900 |
| Wyandot County | $191,318 | +4.1% | 0.86% | $1,263 | $54,100 |
| Hardin County | $191,242 | +4.7% | 1.05% | $1,292 | $55,400 |
| Allen County | $190,690 | +5.1% | 1.12% | $1,299 | $55,700 |
| Noble County | $189,907 | +3.6% | 0.72% | $1,231 | $52,800 |
| Sandusky County | $188,459 | +4.2% | 1.03% | $1,271 | $54,500 |
| Van Wert County | $186,641 | +3.3% | 0.91% | $1,240 | $53,100 |
| Adams County | $186,518 | +1.5% | 0.83% | $1,225 | $52,500 |
| Defiance County | $185,991 | +3.8% | 1.07% | $1,260 | $54,000 |
| Athens County | $185,595 | +3.5% | 1.17% | $1,273 | $54,500 |
| Washington County | $184,844 | +4.5% | 0.93% | $1,231 | $52,800 |
| Williams County | $184,170 | +3.1% | 1.05% | $1,245 | $53,300 |
| Marion County | $183,249 | +4.1% | 0.95% | $1,223 | $52,400 |
| Ashtabula County | $182,582 | +6.6% | 1.21% | $1,258 | $53,900 |
| Seneca County | $180,081 | +4.5% | 1.03% | $1,214 | $52,000 |
| Lucas County | $176,069 | +4.6% | 1.69% | $1,284 | $55,000 |
| Mahoning County | $175,744 | +5.4% | 1.3% | $1,224 | $52,500 |
| Vinton County | $173,446 | +3.0% | 0.98% | $1,162 | $49,800 |
| Gallia County | $173,158 | +7.5% | 0.91% | $1,150 | $49,300 |
| Trumbull County | $172,302 | +6.6% | 1.31% | $1,201 | $51,500 |
| Pike County | $171,666 | +3.6% | 0.83% | $1,128 | $48,300 |
| Guernsey County | $167,065 | +3.8% | 1.01% | $1,123 | $48,100 |
| Paulding County | $164,933 | +6.9% | 1.03% | $1,112 | $47,600 |
| Columbiana County | $162,260 | +3.7% | 1.01% | $1,091 | $46,700 |
| Crawford County | $161,149 | +4.1% | 1.19% | $1,107 | $47,400 |
| Monroe County | $152,311 | +6.8% | 0.82% | $1,000 | $42,900 |
| Morgan County | $151,782 | +4.5% | 0.84% | $999 | $42,800 |
| Lawrence County | $146,838 | +3.3% | 0.84% | $967 | $41,400 |
| Jackson County | $145,771 | -1.2% | 0.9% | $967 | $41,500 |
| Harrison County | $144,245 | +3.9% | 1.05% | $975 | $41,800 |
| Scioto County | $144,147 | +4.4% | 1.06% | $975 | $41,800 |
| Belmont County | $132,616 | +1.5% | 0.95% | $885 | $37,900 |
| Jefferson County | $127,048 | +1.1% | 0.98% | $851 | $36,500 |
| Meigs County | $117,928 | +7.3% | 1.04% | $796 | $34,100 |
Metro areas in Ohio
Frequently asked questions
What is the average home price in Ohio?
The typical home in Ohio is worth $245,982 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in Ohio?
About $72,700 a year to buy the typical $245,982 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in Ohio?
The typical effective rate is 1.22% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).