Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Ohio and Utah. Updated for 2026.
Utah wins 4 of 6 cost categories, making it the more affordable state for homebuyers overall. However, Ohio has a lower total cost when combining home price, closing costs, and insurance. Both states offer first-time buyer programs — explore the state pages for full details.
Estimated PITI payments assuming 10% down, 6.5% rate, 30-year fixed mortgage with PMI.
Buying in Ohio saves you approximately $1,543/month ($18,516/year) compared to Utah, based on median home prices with identical loan terms.
There's a dramatic price gap between these two states. Homes in Ohio cost 55% less than in Utah — that's a difference of $265K on the median home. For buyers relocating from Utah to Ohio, this can mean upgrading significantly or pocketing substantial savings. The equity you've built in a Utah home could fund a much larger down payment in Ohio, potentially eliminating PMI and reducing your monthly payment dramatically.
Utah has a moderate property tax advantage at 0.58% versus Ohio's 1.56%. While the rate gap of 0.98% may seem small, it translates to an annual difference of approximately $570 when applied to each state's median home price. Over a typical homeownership period of 7-10 years, that adds up to $5K in savings.
Closing costs are a one-time but significant expense. Utah averages $6K in closing costs (1.3% of purchase price) while Ohio averages $3K (1.4%). The difference is spread across title insurance, attorney fees, and recording costs rather than a single large tax. Budget for these upfront costs — they affect how much cash you need on hand at closing.
Both states offer down payment assistance for first-time buyers. Ohio's OHFA Your Choice! Down Payment Assistance provides 2.5% or 5% of purchase price, while Utah's UHC FirstHome Loan offers Up to 6% DPA second. These programs can significantly reduce your upfront costs and make homeownership accessible even if you haven't saved a full 20% down payment. Check eligibility requirements on each state's housing finance agency website — income limits and purchase price caps apply.
The bottom line: Ohio homes cost $265K less than Utah on average. That translates to roughly $1,543 less per month in total housing costs if you choose Ohio. For most buyers, this price gap is the single biggest factor — it affects your loan size, monthly payment, and how quickly you build equity.