The calculator below is pre-filled with Franklin County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Ohio's statewide figures.
County data last updated 2026-08-28. FIPS 39049. Full source list on /methodology.
All-in cost first, always — pre-filled with Franklin County tax and insurance figures. Estimate only, not a loan quote or pre-approval.
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Tell us your income and savings instead, and we'll work out the max home price and a qualification signal for Ohio.
How much house can I afford in Ohio? →Ohio's transfer tax on a median $245,500 home is $246 — and the seller usually pays it. Here's where your Ohio closing money actually goes instead.
Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.
The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.
A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.
Ohio Housing Finance Agency's 30-year fixed-rate FHA, VA, USDA-RD, or conventional first mortgage, available to first-time homebuyers statewide (first-time requirement waived for veterans and buyers purchasing in an OHFA-designated target area, or under the Next Home non-first-time-buyer variant); subject to county-specific income and purchase-price limits.
Forgivable down payment and closing cost assistance of 3% of the purchase price for conventional loans or 3.5% for government loans (FHA/VA/USDA); forgiven after 7 years of continued ownership/occupancy, fully repayable if the home is sold before then. Must be paired with an OHFA first mortgage.