Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between North Carolina and Ohio. Updated for 2026.
Metric
North Carolina
Ohio
Median Home Price
$340K
$215K
Property Tax Rate
0.78%
1.56%
Avg Closing Costs
$5K
$3K
Closing Cost %
1.4%
1.4%
Transfer Tax
0.2%
0.4%
Homeowners Insurance
$2,300/yr
$1,400/yr
First-Time Buyer Program
NC Home Advantage Mortgage
Up to 5% DPA
OHFA Grants for Grads
2.5% or 5% DPA
Verdict
Ohio wins 3 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $215K and lower overall costs, Ohio offers meaningful savings compared to North Carolina. Both states offer first-time buyer programs — explore the state pages for full details.