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Mortgage Calculator &
Closing Costs: Youngstown, OH

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

Median Home Price
$75K
Population
60K
Avg Monthly Rent
$680
Property Tax Rate
1.56%
Youngstown vs Ohio Median
The median home price in Youngstown is $75,000, which is 65% below the Ohio state median of $215,000.

Mortgage Calculator — Youngstown, OH

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

$
$15,000
%
%
years
OH avg
%
$
Monthly Payment (PITI)
$594
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$379
per month
Taxes & Insurance
$215
per month
Total Interest Paid
$77K
over 30 years
Total Loan Cost
$137K
all payments
Payment Breakdown
Loan Amount$60,000
Principal & Interest$379
Property Taxes$98
Homeowners Insurance$117
Total Monthly PITI$594

Closing Costs — Youngstown, OH

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

$
%
Ohio: Avg closing costs 1.4% of price. Transfer tax: 0.4%.
Estimated Closing Costs
$5,489
7.3% of purchase price
Lender Fees
$965
origination, underwriting
Third-Party
$1,825
appraisal, title, inspection
Government Fees
$300
transfer taxes, recording
Prepaids + Escrow
$2,399
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$540
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$675
Recording Fee$150
Transfer Tax$300
Prepaid Taxes (3 mo)$293
Prepaid Insurance (12 mo)$1,400
Prepaid Interest (15 days)$180
Escrow Reserves$526
Total Closing Costs$5,489

Buying a Home in Youngstown, Ohio

The median home price in Youngstown is $75,000, 65% below the Ohio state median of $215,000. With a population of 60,068, Youngstown 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 $75,000 home in Youngstown would carry roughly $98/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 Youngstown is $680/month. With a price-to-rent ratio under 15, buying may be more cost-effective than renting in Youngstown over the long term.

Youngstown offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Ohio's OHFA Grants for Grads program.

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