Calculate your Ohio mortgage payment with state-specific property tax rates (1.47% average), state income tax (3.5%-8.5%), and 2026 conforming loan limits.
OH average: 1.47% (varies by county)
Most Ohio counties follow standard conforming limits.
Ohio has a progressive income tax with rates from 3.5% to 8.5%:
Ohio property taxes are moderate but vary by location:
Check their site for updates.
Ohio is one of the most affordable states for homebuyers. The median home price is $220,000 (well below national average), property taxes are moderate (1.47%), and there's no estate tax. The state also offers strong first-time homebuyer programs through OHFA.
Ohio has a progressive income tax with rates from 3.5% to 8.5%. The top rate of 8.5% applies to income over $115,300 (single) or $230,650 (married). Retirement income is fully exempt, making Ohio attractive for retirees.
Yes, the Ohio Housing Finance Agency (OHFA) offers several programs: down payment assistance (up to 5% of loan amount), competitive interest rates, and special programs for teachers, healthcare workers, and first responders.
Ohio has lower home prices (median $220K vs $250K in MI), lower property taxes (1.47% vs 1.44% - similar), and a simpler income tax system. Michigan has higher property taxes but no estate tax. Both states offer strong first-time homebuyer programs. The choice depends on job opportunities and lifestyle preferences.