Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Ohio
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Ohio ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Cuyahoga County | 44.1% | $772 | $1,750 |
| 2 | Trumbull County | 44.0% | $537 | $1,221 |
| 3 | Lucas County | 43.8% | $645 | $1,474 |
| 4 | Crawford County | 43.5% | $507 | $1,167 |
| 5 | Meigs County | 43.3% | $462 | $1,068 |
| 6 | Montgomery County | 43.3% | $682 | $1,576 |
| 7 | Harrison County | 43.1% | $477 | $1,107 |
| 8 | Mahoning County | 43.0% | $567 | $1,320 |
| 9 | Jefferson County | 42.7% | $480 | $1,123 |
| 10 | Paulding County | 42.5% | $501 | $1,177 |
| 11 | Vinton County | 42.1% | $511 | $1,214 |
| 12 | Hardin County | 42.0% | $521 | $1,241 |
| 13 | Scioto County | 41.9% | $510 | $1,216 |
| 14 | Williams County | 41.8% | $537 | $1,284 |
| 15 | Seneca County | 41.7% | $521 | $1,248 |
| 16 | Ashtabula County | 41.7% | $570 | $1,369 |
| 17 | Richland County | 41.5% | $583 | $1,406 |
| 18 | Lake County | 41.5% | $757 | $1,824 |
| 19 | Columbiana County | 41.4% | $524 | $1,267 |
| 20 | Gallia County | 41.3% | $508 | $1,229 |
| 21 | Clark County | 41.2% | $582 | $1,415 |
| 22 | Van Wert County | 41.0% | $509 | $1,242 |
| 23 | Morgan County | 40.9% | $496 | $1,212 |
| 24 | Monroe County | 40.9% | $487 | $1,192 |
| 25 | Summit County | 40.8% | $720 | $1,765 |
| 26 | Defiance County | 40.8% | $555 | $1,360 |
| 27 | Belmont County | 40.7% | $523 | $1,287 |
| 28 | Jackson County | 40.6% | $513 | $1,263 |
| 29 | Lawrence County | 40.6% | $495 | $1,219 |
| 30 | Coshocton County | 40.6% | $519 | $1,278 |
| 31 | Fulton County | 40.5% | $640 | $1,580 |
| 32 | Sandusky County | 40.4% | $551 | $1,366 |
| 33 | Stark County | 40.4% | $642 | $1,591 |
| 34 | Marion County | 40.4% | $528 | $1,308 |
| 35 | Allen County | 40.3% | $572 | $1,418 |
| 36 | Greene County | 40.2% | $854 | $2,125 |
| 37 | Henry County | 40.2% | $595 | $1,482 |
| 38 | Guernsey County | 40.0% | $548 | $1,371 |
| 39 | Athens County | 39.9% | $617 | $1,544 |
| 40 | Huron County | 39.9% | $563 | $1,411 |
| 41 | Lorain County | 39.8% | $732 | $1,838 |
| 42 | Erie County | 39.8% | $648 | $1,630 |
| 43 | Hamilton County | 39.7% | $793 | $1,998 |
| 44 | Ross County | 39.6% | $555 | $1,401 |
| 45 | Pike County | 39.5% | $517 | $1,310 |
| 46 | Highland County | 39.4% | $545 | $1,383 |
| 47 | Preble County | 39.3% | $592 | $1,506 |
| 48 | Fayette County | 39.2% | $558 | $1,424 |
| 49 | Wood County | 39.1% | $734 | $1,878 |
| 50 | Tuscarawas County | 39.0% | $605 | $1,549 |
| 51 | Noble County | 39.0% | $511 | $1,308 |
| 52 | Wyandot County | 38.9% | $543 | $1,394 |
| 53 | Hocking County | 38.9% | $586 | $1,506 |
| 54 | Portage County | 38.8% | $714 | $1,837 |
| 55 | Ashland County | 38.7% | $593 | $1,532 |
| 56 | Adams County | 38.7% | $531 | $1,372 |
| 57 | Franklin County | 38.7% | $895 | $2,314 |
| 58 | Muskingum County | 38.6% | $572 | $1,480 |
| 59 | Darke County | 38.6% | $567 | $1,470 |
| 60 | Carroll County | 38.5% | $583 | $1,515 |
| 61 | Wayne County | 38.5% | $684 | $1,776 |
| 62 | Washington County | 38.5% | $581 | $1,510 |
| 63 | Logan County | 38.4% | $619 | $1,613 |
| 64 | Champaign County | 38.3% | $618 | $1,613 |
| 65 | Auglaize County | 38.1% | $598 | $1,570 |
| 66 | Perry County | 38.1% | $585 | $1,537 |
| 67 | Morrow County | 38.1% | $659 | $1,731 |
| 68 | Ottawa County | 38.0% | $656 | $1,728 |
| 69 | Shelby County | 38.0% | $622 | $1,638 |
| 70 | Putnam County | 37.7% | $619 | $1,642 |
| 71 | Hancock County | 37.6% | $633 | $1,682 |
| 72 | Mercer County | 37.6% | $671 | $1,785 |
| 73 | Clermont County | 37.6% | $790 | $2,101 |
| 74 | Geauga County | 37.5% | $978 | $2,607 |
| 75 | Clinton County | 37.4% | $616 | $1,645 |
| 76 | Butler County | 37.4% | $776 | $2,074 |
| 77 | Licking County | 37.3% | $797 | $2,135 |
| 78 | Brown County | 37.3% | $576 | $1,542 |
| 79 | Knox County | 37.2% | $691 | $1,856 |
| 80 | Miami County | 37.2% | $660 | $1,777 |
| 81 | Medina County | 37.1% | $843 | $2,274 |
| 82 | Delaware County | 37.0% | $1,313 | $3,552 |
| 83 | Madison County | 36.6% | $714 | $1,950 |
| 84 | Holmes County | 36.4% | $770 | $2,114 |
| 85 | Pickaway County | 36.4% | $720 | $1,978 |
| 86 | Fairfield County | 36.1% | $821 | $2,274 |
| 87 | Union County | 36.0% | $923 | $2,559 |
| 88 | Warren County | 35.9% | $957 | $2,664 |
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
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Ohio