Ranked from ACS 2023 5-Year
Cheapest Counties to Own a Home Outright in Ohio
Paying off a mortgage does not end the cost of a house. This ranks counties by what the median home still costs every month with no loan at all: property tax, insurance, electricity, water and maintenance. Nowhere in America is it zero.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Ohio ranked
| # | County | Monthly if paid off | Median home | Effective rate |
|---|---|---|---|---|
| 1 | Meigs County | $462 | $113,400 | 0.985% |
| 2 | Harrison County | $477 | $118,000 | 1.039% |
| 3 | Jefferson County | $480 | $120,600 | 1.012% |
| 4 | Monroe County | $487 | $132,000 | 0.870% |
| 5 | Lawrence County | $495 | $135,600 | 0.880% |
| 6 | Morgan County | $496 | $134,200 | 0.906% |
| 7 | Paulding County | $501 | $126,800 | 1.090% |
| 8 | Crawford County | $507 | $123,600 | 1.221% |
| 9 | Gallia County | $508 | $135,000 | 1.001% |
| 10 | Van Wert County | $509 | $137,300 | 0.966% |
| 11 | Scioto County | $510 | $132,300 | 1.071% |
| 12 | Vinton County | $511 | $131,700 | 1.087% |
| 13 | Noble County | $511 | $149,300 | 0.789% |
| 14 | Jackson County | $513 | $140,400 | 0.954% |
| 15 | Pike County | $517 | $148,500 | 0.855% |
| 16 | Coshocton County | $519 | $142,300 | 0.968% |
| 17 | Seneca County | $521 | $136,200 | 1.093% |
| 18 | Hardin County | $521 | $134,800 | 1.122% |
| 19 | Belmont County | $523 | $143,000 | 0.993% |
| 20 | Columbiana County | $524 | $139,100 | 1.070% |
| 21 | Marion County | $528 | $146,200 | 0.979% |
| 22 | Adams County | $531 | $157,500 | 0.827% |
| 23 | Williams County | $537 | $140,000 | 1.160% |
| 24 | Trumbull County | $537 | $128,100 | 1.410% |
| 25 | Wyandot County | $543 | $159,500 | 0.888% |
| 26 | Highland County | $545 | $157,000 | 0.939% |
| 27 | Guernsey County | $548 | $154,100 | 1.013% |
| 28 | Sandusky County | $551 | $152,500 | 1.063% |
| 29 | Defiance County | $555 | $150,900 | 1.117% |
| 30 | Ross County | $555 | $158,500 | 0.995% |
| 31 | Fayette County | $558 | $162,200 | 0.962% |
| 32 | Huron County | $563 | $158,900 | 1.047% |
| 33 | Mahoning County | $567 | $141,100 | 1.400% |
| 34 | Darke County | $567 | $169,100 | 0.930% |
| 35 | Ashtabula County | $570 | $149,600 | 1.263% |
| 36 | Muskingum County | $572 | $170,100 | 0.946% |
| 37 | Allen County | $572 | $158,400 | 1.125% |
| 38 | Brown County | $576 | $181,100 | 0.827% |
| 39 | Washington County | $581 | $174,100 | 0.956% |
| 40 | Clark County | $582 | $155,900 | 1.246% |
| 41 | Richland County | $583 | $154,000 | 1.288% |
| 42 | Carroll County | $583 | $174,500 | 0.967% |
| 43 | Perry County | $585 | $178,300 | 0.929% |
| 44 | Hocking County | $586 | $172,300 | 1.015% |
| 45 | Preble County | $592 | $171,100 | 1.076% |
| 46 | Ashland County | $593 | $175,900 | 1.016% |
| 47 | Henry County | $595 | $166,000 | 1.177% |
| 48 | Auglaize County | $598 | $182,000 | 0.965% |
| 49 | Tuscarawas County | $605 | $176,800 | 1.080% |
| 50 | Clinton County | $616 | $192,800 | 0.942% |
| 51 | Athens County | $617 | $173,800 | 1.205% |
| 52 | Champaign County | $618 | $186,300 | 1.040% |
| 53 | Logan County | $619 | $186,200 | 1.046% |
| 54 | Putnam County | $619 | $191,600 | 0.976% |
| 55 | Shelby County | $622 | $190,300 | 1.008% |
| 56 | Hancock County | $633 | $196,500 | 1.001% |
| 57 | Fulton County | $640 | $176,000 | 1.334% |
| 58 | Stark County | $642 | $177,700 | 1.318% |
| 59 | Lucas County | $645 | $155,200 | 1.746% |
| 60 | Erie County | $648 | $183,900 | 1.267% |
| 61 | Ottawa County | $656 | $200,700 | 1.087% |
| 62 | Morrow County | $659 | $200,800 | 1.100% |
| 63 | Miami County | $660 | $209,200 | 1.007% |
| 64 | Mercer County | $671 | $208,600 | 1.078% |
| 65 | Montgomery County | $682 | $167,400 | 1.777% |
| 66 | Wayne County | $684 | $204,600 | 1.201% |
| 67 | Knox County | $691 | $218,300 | 1.074% |
| 68 | Portage County | $714 | $210,500 | 1.296% |
| 69 | Madison County | $714 | $231,400 | 1.053% |
| 70 | Pickaway County | $720 | $235,700 | 1.034% |
| 71 | Summit County | $720 | $195,700 | 1.542% |
| 72 | Lorain County | $732 | $207,200 | 1.444% |
| 73 | Wood County | $734 | $214,400 | 1.358% |
| 74 | Lake County | $757 | $199,900 | 1.703% |
| 75 | Holmes County | $770 | $251,800 | 1.113% |
| 76 | Cuyahoga County | $772 | $183,200 | 2.085% |
| 77 | Butler County | $776 | $243,000 | 1.239% |
| 78 | Clermont County | $790 | $245,600 | 1.279% |
| 79 | Hamilton County | $793 | $225,700 | 1.533% |
| 80 | Licking County | $797 | $250,700 | 1.256% |
| 81 | Fairfield County | $821 | $272,200 | 1.147% |
| 82 | Medina County | $843 | $268,000 | 1.287% |
| 83 | Greene County | $854 | $238,000 | 1.689% |
| 84 | Franklin County | $895 | $265,700 | 1.547% |
| 85 | Union County | $923 | $306,600 | 1.255% |
| 86 | Warren County | $957 | $319,700 | 1.275% |
| 87 | Geauga County | $978 | $305,100 | 1.486% |
| 88 | Delaware County | $1,313 | $419,500 | 1.644% |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Cheapest Counties to Own a Home Outright across all 3,133 US counties · Every county in Ohio