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.
Insurance: Budget $70–$130/month depending on coverage.
During my buyer consultations, I run you through estimated totals for any home you're considering — so there are no surprises.