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45874 Mortgage Calculator

Estimate your true cost of homeownership in ZIP Code 45874 with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$1,418
P&I Payment$958
Taxes & Ins$203
Utilities$258
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Mortgage Details

$178,891
Local Median: $178,891
$35,778 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$1,418

Monthly Breakdown

Principal & Interest
$958
Property Taxes
$130
Homeowners Ins.
$72
Utilities
$258

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$201,699

Local Housing Facts for ZIP Code 45874

  • ·Median home value: $178,891 (adjusted for current market conditions)
  • ·Est. property taxes: $1,565/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $867/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,092/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in OHIO CITY?

Based on the local median home value, estimated real estate property taxes in OHIO CITY are around $1,565 per year.

What is the average home price in OHIO CITY?

The median home value in OHIO CITY is currently estimated at $178,891.

How much does homeowners insurance cost in OHIO CITY?

For a median priced home, homeowners insurance in OHIO CITY averages around $867 annually.

What is the true total cost of owning a home in OHIO CITY?

True homeownership costs go beyond principal and interest. In OHIO CITY, a typical homeowner with a median-priced home of $178,891 can expect to pay roughly $1,565/yr in property taxes, $867/yr for homeowners insurance, and $3,092/yr in energy utilities. That adds approximately $460 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.