Ohio · Property Tax & Closing Costs
Ohio property tax by county
Property tax rates, median home values, and closing cost estimates for all 88 counties in Ohio. The average effective rate across the state is 1.11%, ranking Ohio 15 of 51 (above-average property taxes). Data is sourced from the US Census Bureau American Community Survey 2024 5-year estimates.
Average rate
1.11%
across 88 counties
National rank
#15
of 51, highest rate first
Median home value
$184,050
county median in state
Rate range
0.72%–2.00%
Noble County → Cuyahoga County
Same home, different county
On a $184,050 home (the typical county median in Ohio), the annual property tax bill depends heavily on where you buy:
Difference
$2,356/yr
$196/mo · $23,558 over 10 years
Estimate: purchase price × each county's effective rate. Actual bills depend on assessed value, local levies, and exemptions.
Lowest property tax rates in Ohio
The five Ohio counties with the lowest effective property tax rates, useful for buyers comparing total cost of ownership across the state.
| County | Rate |
|---|---|
| Noble County | 0.72% |
| Brown County | 0.81% |
| Monroe County | 0.82% |
| Adams County | 0.83% |
| Pike County | 0.83% |
Highest property tax rates in Ohio
The five Ohiocounties with the highest effective property tax rates. High rates often reflect strong school district funding or municipal services rather than weakness, but they materially change a buyer's monthly carrying cost.
| County | Rate |
|---|---|
| Cuyahoga County | 2.00% |
| Montgomery County | 1.73% |
| Lucas County | 1.69% |
| Lake County | 1.62% |
| Greene County | 1.61% |
Ohio real estate transfer tax
Ohio charges a combined transfer tax of about 0.40% of the purchase price. On a $184,050 home, that is roughly $736 in total.
| Paid by | Rate | On $184,050 |
|---|---|---|
| Buyer | 0.00% | $0 |
| Seller | 0.40% | $736 |
State Real Property Conveyance Fee $1/$1,000 (0.1%) per ORC 319.54(G)(3). Counties may add a permissive fee up to $3/$1,000 (0.3%) per ORC 322.02; most counties charge the full $3/$1,000. seller_rate 0.004 reflects the common state+county combined rate; actual county rates vary from 0.001 to 0.004.
Official Ohio source → · Verified April 2026
Closing costs in Ohio
Across Ohio's 88 counties, buyer closing costs run $2,868 to $10,258 at each county's median home value with 20% down. Cash needed at closing, with closing costs and the down payment, runs $26,728 to $99,358. Pick your county for your own figures.
Ohio closing cost calculatorOhio property tax exemptions
Ways buyers in Ohio may reduce their annual property tax. These programs apply statewide; verify county specifics with your local assessor.
Homestead Exemption
Shields up to $29,000 of market value from property tax for homeowners 65+ or permanently and totally disabled. 2026 income limit: $41,000 (Ohio adjusted gross income).
View official source →Enhanced Homestead Exemption for Disabled Veterans
Veterans with 100% service-connected disability receive an enhanced homestead exemption of $58,000 off market value (no income limit).
View official source →Owner-Occupancy Credit
2.5% reduction on property tax for owner-occupied primary residences (excludes commercial/rental). Automatic once homestead is established.
View official source →Last verified April 2026. Exemption amounts and eligibility change frequently. Always confirm with your county assessor before claiming.
All 88 counties in Ohio
Effective property tax rate, median home value, and median annual taxes paid for every county in Ohio. Click a county to open its full property tax calculator and closing cost breakdown.
Source: US Census Bureau American Community Survey 2024 5-year estimates, tables B25077 (median home value) and B25103 (median real estate taxes paid). Effective rate is computed as median taxes paid divided by median home value at the county level and represents the typical owner-occupied home. Actual bills vary by purchase price, exemptions, and special assessments.