📍 Zip Code 43201 · Columbus, OH · Franklin County

Mortgage Costs in 43201
Columbus, OH

Real 2026 data · Property tax 1.6% · 7.1% mortgage rate
$255,000
Median Home Price
$1,817
All-In Monthly (20% down)
$77,880
Salary Needed
Difficult
Affordability on Avg Income

Full Cost Breakdown — 43201 (Columbus, OH)

Cost Item
20% Down ($51,000)
10% Down ($25,500)
Principal & Interest
$1,371/mo
$1,542/mo
Property Tax (1.6%)
$340/mo
$340/mo
Home Insurance (~0.5%)
$106/mo
$106/mo
PMI (if <20% down)
$115/mo
Total All-In
$1,817/mo
$2,103/mo

What Salary Do You Need to Buy in 43201?

Using the standard 28% gross income housing rule, you need approximately $77,880/year to comfortably afford the median home in Columbus, OH with 20% down at today's 7.1% rate.

The average household income in Franklin County is approximately $62,000/year — which means buying the median home here is difficult for the average family.

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Property Tax in 43201 (Franklin County)

Franklin County has a property tax rate of approximately 1.6% — above the national average of 1.1%. On a $255,000 home, this equals $340/month or $4,080/year in property taxes.

Property taxes can often be appealed if your assessment seems high. Ownwell specializes in property tax appeals — they only charge if they save you money.

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Potential savings: $612/year. No win = no fee.
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Will a Bank Approve You in Columbus?

Approval depends on your specific profile — credit score, income, existing debts, and down payment. The Bank Rejection Engine shows exactly how 5 different lender types would score your application for a home in 43201.

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