Local costs · Ohio

What a home costs across Ohio

Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in Ohio, then every county with its own tax rate and insurance range.

Statewide facts

Home insurance average
About $995 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
Transfer & recording tax
Ohio conveyance fee (state + county): 0.40% of price — seller customarily paysOn the $239,800 state median home, the buyer’s customary share is about $0; the seller customarily covers about $959.
Title insurance
Ohio uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
State income tax
Ohio income tax is modeled at about 1.90% effective for a married household at $100,000 (1.97% filing single). These are modeled effective rates from Tax Foundation 2026 brackets.

All 88 counties in Ohio

Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.

CountyProperty taxInsurance / yr
Adams County0.83%$630–$1,410typical $970
Allen County1.12%$700–$1,550typical $1,070
Ashland County1.00%$760–$1,700typical $1,170
Ashtabula County1.21%$620–$1,380typical $950
Athens County1.17%$520–$1,160typical $800
Auglaize County0.96%$790–$1,770typical $1,220
Belmont County0.95%$490–$1,100typical $760
Brown County0.81%$640–$1,420typical $980
Butler County1.21%$850–$1,890typical $1,300
Carroll County0.94%$570–$1,280typical $880
Champaign County1.02%$750–$1,670typical $1,150
Clark County1.19%$670–$1,490typical $1,030
Clermont County1.25%$620–$1,380typical $950
Clinton County0.93%$690–$1,540typical $1,060
Columbiana County1.01%$580–$1,290typical $890
Coshocton County0.95%$650–$1,450typical $1,000
Crawford County1.19%$700–$1,550typical $1,070
Cuyahoga County2.00%$490–$1,090typical $750
Darke County0.92%$900–$2,000typical $1,380
Defiance County1.07%$850–$1,900typical $1,310
Delaware County1.60%$700–$1,570typical $1,080
Erie County1.22%$760–$1,700typical $1,170
Fairfield County1.10%$640–$1,420typical $980
Fayette County0.94%$680–$1,520typical $1,050
Franklin County1.47%$580–$1,290typical $890
Fulton County1.28%$830–$1,860typical $1,280
Gallia County0.91%$490–$1,090typical $750
Geauga County1.38%$550–$1,230typical $850
Greene County1.61%$650–$1,450typical $1,000
Guernsey County1.01%$550–$1,220typical $840
Hamilton County1.51%$760–$1,700typical $1,170
Hancock County1.00%$1,020–$2,280typical $1,570
Hardin County1.05%$810–$1,810typical $1,250
Harrison County1.05%$590–$1,310typical $900
Henry County1.17%$810–$1,810typical $1,250
Highland County0.91%$650–$1,450typical $1,000
Hocking County0.99%$590–$1,310typical $900
Holmes County1.08%$710–$1,580typical $1,090
Huron County1.05%$810–$1,800typical $1,240
Jackson County0.90%$490–$1,090typical $750
Jefferson County0.98%$530–$1,190typical $820
Knox County1.07%$750–$1,670typical $1,150
Lake County1.62%$530–$1,190typical $820
Lawrence County0.84%$490–$1,090typical $750
Licking County1.22%$690–$1,540typical $1,060
Logan County1.00%$750–$1,670typical $1,150
Lorain County1.37%$620–$1,380typical $950
Lucas County1.69%$680–$1,510typical $1,040
Madison County1.02%$700–$1,550typical $1,070
Mahoning County1.30%$610–$1,360typical $940
Marion County0.95%$780–$1,740typical $1,200
Medina County1.24%$680–$1,520typical $1,050
Meigs County1.04%$510–$1,150typical $790
Mercer County1.10%$910–$2,030typical $1,400
Miami County0.98%$710–$1,580typical $1,090
Monroe County0.82%$500–$1,120typical $770
Montgomery County1.73%$510–$1,130typical $780
Morgan County0.84%$520–$1,160typical $800
Morrow County1.06%$760–$1,700typical $1,170
Muskingum County0.91%$580–$1,290typical $890
Noble County0.72%$530–$1,170typical $810
Ottawa County1.08%$790–$1,770typical $1,220
Paulding County1.03%$880–$1,960typical $1,350
Perry County0.95%$590–$1,320typical $910
Pickaway County1.00%$640–$1,440typical $990
Pike County0.83%$540–$1,200typical $830
Portage County1.27%$620–$1,390typical $960
Preble County1.04%$940–$2,090typical $1,440
Putnam County0.97%$870–$1,940typical $1,340
Richland County1.25%$640–$1,420typical $980
Ross County1.00%$590–$1,310typical $900
Sandusky County1.03%$810–$1,800typical $1,240
Scioto County1.06%$530–$1,170typical $810
Seneca County1.03%$790–$1,770typical $1,220
Shelby County0.95%$730–$1,640typical $1,130
Stark County1.29%$650–$1,450typical $1,000
Summit County1.53%$720–$1,610typical $1,110
Trumbull County1.31%$640–$1,420typical $980
Tuscarawas County1.06%$520–$1,160typical $800
Union County1.14%$730–$1,620typical $1,120
Van Wert County0.91%$810–$1,800typical $1,240
Vinton County0.98%$540–$1,200typical $830
Warren County1.20%$620–$1,390typical $960
Washington County0.93%$500–$1,120typical $770
Wayne County1.17%$730–$1,640typical $1,130
Williams County1.05%$900–$2,020typical $1,390
Wood County1.34%$730–$1,640typical $1,130
Wyandot County0.86%$940–$2,090typical $1,440

* Property-tax rate is approximate because the county’s Census median is top-coded.

How these numbers are built

Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.

Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.