TrueAffordHome Affordability by State
What can you afford in Ohio?
A baseline estimate for a household earning $90,000 a year gross, with typical debts and expenses, a $30,000 down payment, and a 740-759 credit score — using Ohio's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
Ohio's effective property tax rate is around 1.36% of home value per year — the 8th highest in the country. Average homeowner's insurance runs near $1,752/year on a $300,000 home — the 20th lowest.
Comfortable
$243,952
Stretch
$304,104
Risky ceiling
$339,526
A lender would likely approve up to $339,526 on this baseline in Ohio — but this household's own budget, once real expenses are counted, can only sustain $304,104. That $35,422 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.
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