Property Tax in Ohio (2026): Rates, Exemptions, and Real Numbers

Ohio Property Tax Rates by County

Highest and lowest effective rates within Ohio

Property Tax Calculator — Ohio

Pre-loaded with Ohio's 1.53% effective rate and $225,614 median price

Property Tax by City in Ohio

Annual and monthly property tax by city, based on local median prices and the statewide effective rate

Ohio Homestead Exemption

How Ohio Assesses Property Values

Assessment cycle: Sexennial (every 6 years) full reappraisal with triennial updates (every 3 years). Counties assess at 35% of true market value.

Property Tax's Impact on Your True Monthly Cost

On a $225,614 home in Ohio

Property tax represents 14% of the true monthly cost in Ohio.

Mortgage Calculator Including Property Tax — Ohio

See your full PITI (principal, interest, taxes, insurance) payment

How Ohio's Property Tax Affects Affordability

$288/month in property tax reduces the home price you can afford. Use the affordability calculator to see the real impact.

Property Tax After Refinancing in Ohio

Refinancing changes your P&I but not your property tax. If your home was reassessed at a higher value, your tax bill increases regardless of your rate.

Frequently Asked Questions

What is the property tax rate in Ohio?

Ohio's effective property tax rate is 1.53%, ranking #9 nationally. The median annual property tax bill is $3,453 ($288/month). Rates range from 0.84% in Lawrence County to 2.09% in Cuyahoga County (Cleveland). Source: Tax Foundation Property Taxes by State 2024.

Does Ohio have a homestead exemption?

Yes — Ohio offers a homestead exemption for primary residences. Homestead Exemption reduces taxable value by $26,200 (2024) for homeowners 65+ or permanently disabled with qualifying income ($38,600 limit). Owner Occupancy Credit provides 2.5% rollback on owner-occupied residential property tax bills for all owners.. Apply through your county assessor's office after purchasing your home.

How often is property reassessed in Ohio?

Ohio reassesses property on a sexennial (every 6 years) full reappraisal with triennial updates (every 3 years). counties assess at 35% of true market value. basis. When your property is reassessed, your tax bill changes based on the new assessed value multiplied by the applicable rate. If you believe your assessment is too high, you can appeal — most counties allow 30-90 days after receiving your assessment notice.

How is property tax calculated in Ohio?

Property tax = Assessed Value × Mill Rate (or effective rate). In Ohio, the effective rate is 1.53% of market value. On a $225,614 home: $225,614 × 1.53% = $3,453/year. Assessments may use a fraction of market value — the effective rate accounts for this.

Can I appeal my property tax assessment in Ohio?

Yes. If your assessed value is higher than comparable sales in your area, you can file an appeal with your county assessment board. Steps: (1) Get your assessment notice, (2) Research comparable recent sales, (3) File an appeal by the deadline (typically 30-90 days from assessment notice). Studies show 20-40% of appeals result in a reduction. The process is free and you represent yourself — no attorney required.

Are property taxes included in my mortgage payment in Ohio?

Most lenders require an escrow account that collects $288/month ($3,453/year ÷ 12) along with your mortgage payment, then pays the county on your behalf. If your loan-to-value is below 80%, you may be able to opt out of escrow and pay taxes directly. Note: if your assessed value rises, your escrow payment adjusts and your total monthly cost increases.

What Ohio counties have the highest and lowest property taxes?

Ohio's highest effective rate is in Cuyahoga County (Cleveland) at 2.09%. The lowest is Lawrence County at 0.84%. That's a 1.25% spread — on a $225,614 home, the difference is $2,820/year.