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Mortgage Calculator &
Closing Costs: Sandusky, OH

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Sandusky, Ohio.

Median Home Price
$145K
Population
25K
Avg Monthly Rent
$780
Property Tax Rate
1.56%
Sandusky vs Ohio Median
The median home price in Sandusky is $145,000, which is 33% below the Ohio state median of $215,000.

Mortgage Calculator — Sandusky, OH

Pre-filled with Sandusky median home price and Ohio tax/insurance rates. Adjust for your property.

$
$29,000
%
%
years
OH avg
%
$
Monthly Payment (PITI)
$1,039
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$733
per month
Taxes & Insurance
$306
per month
Total Interest Paid
$148K
over 30 years
Total Loan Cost
$264K
all payments
Payment Breakdown
Loan Amount$116,000
Principal & Interest$733
Property Taxes$189
Homeowners Insurance$117
Total Monthly PITI$1,039

Closing Costs — Sandusky, OH

Estimated closing costs based on Ohio rates and fees applied to Sandusky prices.

$
%
Ohio: Avg closing costs 1.4% of price. Transfer tax: 0.4%.
Estimated Closing Costs
$7,337
5.1% of purchase price
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Lender Fees
$1,469
origination, underwriting
Third-Party
$2,175
appraisal, title, inspection
Government Fees
$580
transfer taxes, recording
Prepaids + Escrow
$3,113
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$1,044
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,025
Recording Fee$150
Transfer Tax$580
Prepaid Taxes (3 mo)$566
Prepaid Insurance (12 mo)$1,400
Prepaid Interest (15 days)$349
Escrow Reserves$799
Total Closing Costs$7,337

Buying a Home in Sandusky, Ohio

The median home price in Sandusky is $145,000, 33% below the Ohio state median of $215,000. With a population of 25,056, Sandusky is a smaller market where home prices tend to be more accessible than in many parts of Ohio.

Property taxes in Ohio average 1.56% annually. This higher-than-average tax rate means a $145,000 home in Sandusky would carry roughly $189/month in property taxes alone — plan accordingly. Homeowners insurance in Ohio runs approximately $1,400 per year. This is within the normal range nationally.

Average rent in Sandusky is $780/month. The price-to-rent ratio in Sandusky is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Sandusky offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Ohio's OHFA Your Choice! Down Payment Assistance program.

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