Ohio (OH) · Midwest Real Estate Profile
Ohio Mortgage Payment & Property Tax Guide
Calculate your exact monthly housing expense in Ohio. In Ohio, the effective statewide property tax rate averages 1.53% and homeowners insurance averages 0.45% of home market value. Explore 25 pre-calculated loan scenarios below.
Effective Property Tax1.53%
Homeowners Insurance0.45%
Median Home Price$225,000
Conforming Loan Limit$766,550
Property Tax Context for Ohio: At 1.53%, a median-priced home of $225,000 pays roughly $3,443 per year in property taxes ($287/month). Millage rates vary across counties and municipalities.
Companion Tax Engine
View Ohio Tax Tables →Check Take-Home Pay Across All 50 States on AfterTaxMath
See exact net salary, state income tax withholding, and FICA deductions for Ohio residents.
Monthly Payment Benchmarks in Ohio (30-Year Fixed at 6.50%%)
Estimated monthly PITI payments assuming 20% down payment and standard 28% DTI underwriting:
| Loan Amount | Est. Home Value | 30-Yr P&I | OH Property Tax | Total PITI/mo | Required Salary | Details |
|---|---|---|---|---|---|---|
| $150,000 | $187,500 | $948/mo | $239/mo | $1,257/mo | $54,000/yr | View schedule → |
| $250,000 | $312,500 | $1,580/mo | $398/mo | $2,096/mo | $90,000/yr | View schedule → |
| $350,000 | $437,500 | $2,212/mo | $558/mo | $2,934/mo | $126,000/yr | View schedule → |
| $450,000 | $562,500 | $2,844/mo | $717/mo | $3,772/mo | $162,000/yr | View schedule → |
| $550,000 | $687,500 | $3,476/mo | $877/mo | $4,611/mo | $198,000/yr | View schedule → |
| $750,000 | $937,500 | $4,741/mo | $1,195/mo | $6,287/mo | $269,000/yr | View schedule → |
| $1,000,000 | $1,250,000 | $6,321/mo | $1,594/mo | $8,383/mo | $359,000/yr | View schedule → |
Browse all 25 loan amounts in Ohio
Select any loan principal to view detailed amortization, rate sensitivity, and DTI requirements:
$100k in OH$838/mo$150k in OH$1,257/mo$200k in OH$1,677/mo$250k in OH$2,096/mo$300k in OH$2,515/mo$350k in OH$2,934/mo$400k in OH$3,353/mo$450k in OH$3,772/mo$500k in OH$4,192/mo$550k in OH$4,611/mo$600k in OH$5,030/mo$650k in OH$5,449/mo$700k in OH$5,868/mo$750k in OH$6,287/mo$800k in OH$6,707/mo$850k in OH$7,126/mo$900k in OH$7,545/mo$950k in OH$7,964/mo$1 million in OH$8,383/mo$1.1 million in OH$9,221/mo$1.2 million in OH$10,060/mo$1.3 million in OH$10,898/mo$1.4 million in OH$11,736/mo$1.5 million in OH$12,575/mo$2 million in OH$16,766/mo
Explore neighboring Midwest states
Compare mortgage payment benchmarks and property taxes across neighboring Midwest jurisdictions:
Illinois (2.08% tax)View guide →Indiana (0.81% tax)View guide →Iowa (1.50% tax)View guide →Kansas (1.34% tax)View guide →Michigan (1.38% tax)View guide →Minnesota (1.08% tax)View guide →
Closing Costs & Transfer Tax in Ohio
State conveyance fee is $1.00 per $1,000; county commissioners can add up to $3.00 per $1,000 ($4.00 total).