Ohio Mortgage Snapshot
Ohio Mortgage + Property Tax Snapshot (2026)
Compare Ohio property tax context, FHA limit tier signals, and county-level navigation so you can plan financing scenarios faster.
Estimated Effective State Rate
1.36%
Sample Annual Tax on $425,000 Home
$5,780
FHA State Tier
Standard FHA Tier
County/Locality Pages
7
Ohio Property Tax Calculator
Ohio's statewide effective rate is about 1.36% (2024 ACS), above the 0.90% national benchmark. We include Cuyahoga, Summit, Lake, and other major counties. For official bill-level estimates, use your county auditor or state revenue department.
FHA Limit Tier Context in Ohio
State Tier Signal
Most counties in this state follow the standard FHA floor framework.
FHA 1-Unit Floor
$541,287
FHA 1-Unit Ceiling
$1,249,125
What Homebuyers in Ohio Should Know
- Balance tax assumptions with insurance and financing terms for accurate payment planning.
Ohio County and Locality Pages
Cuyahoga County
Estimated effective rate: 2.03%
Franklin County
Estimated effective rate: 1.39%
Hamilton County
Estimated effective rate: 1.33%
Lake County
Estimated effective rate: 1.44%
Lucas County
Estimated effective rate: 1.69%
Montgomery County
Estimated effective rate: 1.66%
Summit County
Estimated effective rate: 1.55%
Need the National View?
Return to the national Property Tax Calculator to compare across states and scenarios.
Methodology and Data Sources
- Tax Foundation Facts & Figures: Property Tax as Percent of Home Value - State-level effective property tax rates (Updated: 2026-02-19)
- HUD/FHA Mortgagee Letter 2025-23 - 2026 FHA floor and high-cost ceiling frameworks (1-4 unit) (Updated: 2026-01-01)
Educational guidance only. Final loan terms and eligibility vary by county limits, credit, income, property profile, and lender guidelines.