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Ohio Mortgage Calculator

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

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Est. Total Monthly Cost
$1,365
P&I Payment$796
Taxes & Ins$289
Utilities$280
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Mortgage Details

$149,633
Local Median: $149,633
$29,927 (20%)
%

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

Local Area Costs

Monthly$1,365

Monthly Breakdown

Principal & Interest
$796
Property Taxes
$210
Homeowners Ins.
$79
Utilities
$280

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$166,827

Local Housing Facts for Ohio

  • ·Median home value: $149,633 (adjusted for current market conditions)
  • ·Est. property taxes: $2,524/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $945/yr — based on local per-$1K premium rates
  • ·Energy utilities: $3,362/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?

Based on the local median home value, estimated real estate property taxes in Ohio are around $2,524 per year.

What is the average home price in Ohio?

The median home value in Ohio is currently estimated at $149,633.

How much does homeowners insurance cost in Ohio?

For a median priced home, homeowners insurance in Ohio averages around $945 annually.

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

True homeownership costs go beyond principal and interest. In Ohio, a typical homeowner with a median-priced home of $149,633 can expect to pay roughly $2,524/yr in property taxes, $945/yr for homeowners insurance, and $3,362/yr in energy utilities. That adds approximately $569 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.