Ohio closing cost calculator

As of September 2026, the Zillow Home Value Index lists a typical Ohio home at $245,982. Rounded to $246,000, a buyer who puts $49,200 down and borrows $196,800 owes $5,613 in closing costs. Adding the down payment to the closing costs brings cash to close to $54,813.

The seller's share amounts to just $246, before any agent commission or mortgage payoff. A lower or higher home price can shift the buyer's total quite a bit, making your own price range worth checking.

For Ohio homes of different types, typical values span $137,776 at the lower-priced end and $428,768 at the higher-priced end; with 20% down, what buyers pay in closing costs ranges from $3,952 to $8,995.

Home ownership means more bills lie ahead. The median property tax in Ohio for an owner-occupied home comes to $2,822 each year, about 1.31% of the median home value, based on U.S. Census Bureau data.

Lender fees and prepaid costs are built into the example, which uses 20% down; add your own figures to get a more useful estimate. Commission shows up only after you enter a rate, because your own agreement sets it, not the state.

Ohio's costs are close to the national median. On a $400,000 sale with 20% down, buyers pay $7,858 in closing costs here, just $8 above the $7,850 median in the 50 states and DC. At that price, the seller's costs before commission and payoff equal $400, which is $40 below the median state's $440.

What buyers pay differs in the states next door. Buyers face costs of $5,625 in Indiana, $5,545 in Kentucky, $5,605 in Michigan, $6,950 in Pennsylvania and $5,599 in West Virginia for the same $246,000 home.

The Ohio State Bar Association's guide for consumers recommends having an attorney review the title evidence and advise on representation at closing for buyers. The pamphlet does not state that an attorney is required by Ohio law at a home closing, so the choice is yours to make. Add your price to the calculator now and your own closing costs appear before you go over your lender's figures.

Buyers' agents earn 2.42% of the sale price on average nationwide, based on Redfin. A commission rate in your agreement can matter a lot to the seller's total; enter it and the estimate will include it.

Agent commission shows up in the calculator only after you enter a rate. Find the rate that applies to your sale in your agreement.

An owner's title policy is a form of insurance that you buy once. If someone later claims rights to the home, you are covered. In the example above, a $246,000 price carries a cost of $1,033.

About 0.42% of the sale price is the national estimate behind that figure, not an Ohio rate; we lack a table of Ohio title rates. Until a quote arrives from your title company, treat the figure as a rough estimate.

This charge goes by the name real property conveyance fee in Ohio, where the state sets the rate at 0.1% of the price. According to the Ohio Department of Taxation, persons who make sales of real estate pay this fee, which by custom makes the seller responsible. On top of that, a county may charge up to 3 additional mills.

Above the state fee, Franklin County applies a permissive real property transfer tax set at 0.2%. Its minimum conveyance fee is $3, and its transfer tax is $0.50. The Franklin County Auditor accepts payment only in cash, by business check or by cashier's check; personal checks are not taken, so be ready with the right payment beforehand. Franklin County lowers the fee to a state rate of $1 per $1,000 when the grantor, the person transferring the home, gets the homestead exemption at the time of the transfer.

Not every transfer owes Ohio's conveyance fee. Exempt transfers include gifts between spouses, plus gifts to children and their spouses. Also exempt are transfers into a revocable trust that you can still revoke at will, plus transfers out again under that same power.

A separate rule applies to landlords. Your purchase of a residential rental in a county with more than 200,000 residents gives you 60 days following transfer to provide the county auditor with your contact information and property details.

A $400,000 sale carries a state fee of $400. That puts Ohio 33rd of the 36 places that charge a transfer tax, DC included. Only three charge less. For the $246,000 example, the fee comes to $246.

Among transfer taxes for the same $246,000 home, Indiana charges $0, Kentucky $246, West Virginia $541, Michigan $1,845 and Pennsylvania $2,460; Ohio's $246 is toward the lower end. Put your price into the calculator to view the fee beside the $34 deed recording fee and the $34 mortgage recording fee from the Stark County recorder schedule.