Posts from November 19th, 2025

Your monthly costs include more than just your mortgage payment. In most Central Ohio neighborhoods, expect:

• Property Taxes: Among the highest expenses; they vary significantly between Hilliard, Dublin, Powell, and Columbus city limits.

• Utilities: Electric, gas, water, and trash typically range $200–$350/month depending on home size and usage.

• HOA Fees: Common in newer communities like Jerome Village, Evans Farm, and parts of New Albany.

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In the Columbus market, you should get pre-approved before you start touring homes. Inventory moves quickly, and sellers prioritize buyers who come prepared. A pre-approval not only strengthens your offer, it helps determine your price point and monthly payments.

Choosing the right lender matters. I always recommend reputable, local lenders who understand Central Ohio property taxes, competitive offer strategies, and the nuances of our suburban communities. A strong lender can make or break your ability to close smoothly.

One of the biggest myths in real estate is that you need 20% down to buy a home. In Central Ohio, most buyers put down 3–5% using conventional financing, and FHA loans allow as low as 3.5%. First-time buyer programs, grant money, and lender credits can reduce that even further.

Closing costs typically range from 2–3% of the purchase price, which may include appraisal fees, lender fees, title insurance, and prepaid taxes. In certain cases — depending on the home and type of loan — we can negotiate seller credits to help lower your upfront costs. Every situation is different, and this is where strategic guidance matters.