Franklin County mortgage calculator
Franklin County contains Columbus, Ohio's capital and largest city, where relatively affordable prices combine with Ohio's above-average property-tax rates to shape the monthly payment.
Jump to another calculator — pick a state or region to go there.
Franklin County mortgage inputs
Enter your gross monthly income above to see an affordability read (based on the standard 28% front-end DTI guideline).
Loan amount: $320,000
Starts from Ohio's 1.36% average effective property-tax rate. Your rate in Franklin County may differ — edit any field for your exact numbers.
Buying a home in Franklin County
Ohio funds a large share of local services through property tax, and rates vary between the many municipalities and school districts inside Franklin County. Because entry prices are comparatively low, the property-tax line does an outsized share of the work in your monthly total — so when you compare homes here, compare their tax bills as carefully as their list prices.
As a worked example, a $400,000 home with 20% down and a 6.55% 30-year fixed rate works out to about $2,033 a month in principal and interest, plus roughly $453 for property tax at Ohio's 1.36% average — a core cost near $2,486 before insurance and any HOA. Enter prices you're actually seeing around Columbus to get your real figure.
See more Ohio mortgage details →
Frequently asked questions
How much is a monthly mortgage payment in Franklin County?
It depends on the home price, your rate, and your down payment. As an example, a $400,000 home with 20% down at 6.55% over 30 years is about $2,033 in principal and interest, plus roughly $453 a month for Ohio's 1.36% average property tax — before insurance and any HOA or maintenance charges.
Does this calculator include Franklin County property taxes?
Yes — it starts from Ohio's statewide average effective property-tax rate of 1.36%. Local rates in Franklin County can differ, so check your county assessor and adjust the property-tax field for your exact number.
Does the calculator store my information?
No. Everything is calculated in your browser — no account, no email, no lead form, nothing saved or sent to a server.