Ohio VA Loans
Deciding to purchase a house in Ohio is a huge financial decision, but with the unique benefits provided by the VA loan, your dream of homeownership just got that much easier.
With the average listing price of a home in Ohio landing at $285,181, the VA loan’s signature $0-money-down benefit is a considerable advantage for Ohio homebuyers.
See also: VA Loan Options for Other States
How to get a VA Loan in Ohio
VA loans are made by private lenders and guaranteed by the Department of Veterans Affairs. Because private lenders make the loans and not the VA, you need to find a lender licensed in the state you plan to purchase or refinance.
For example, if you're purchasing a home in Cincinnati, OH, you'll need to find a lender licensed in Ohio to do the loan.
Other Considerations for Getting a VA Loan in Ohio
VA borrowers in Ohio should also consider the cost and impact of VA loan limits and property taxes when making their home purchase.
Ohio VA Loan Limits
VA borrowers in Ohio with their full VA loan entitlement are not restricted by VA loan limits. This means you can borrow as much as a lender is willing to lend without needing a down payment.
However, veterans without their full VA loan entitlement are still bound to Ohio’s VA loan limits.
As of January 1, 2024, VA loan limits for all counties in Ohio are $766,550.
Property Taxes in Ohio
Another consideration for VA buyers in Ohio is property taxes. For certain VA buyers, there are exemptions.
You may be eligible for a property tax exemption in Ohio if you meet one of the following conditions:
- A disabled veteran may receive a property tax exemption up to $50,000 of the market value on their residence if the veteran is 100 percent disabled as a result of service
If you are required to pay property tax in Ohio, the American Community Survey by the U.S. Census Bureau estimates you may pay the following in each county:
| County | Property Tax Rate |
|---|---|
| Adams | 1.03% |
| Allen | 1.28% |
| Ashland | 1.18% |
| Ashtabula | 1.38% |
| Athens | 1.42% |
| Auglaize | 1.02% |
| Belmont | 1.09% |
| Brown | 1.03% |
| Butler | 1.53% |
| Carroll | 1.07% |
| Champaign | 1.24% |
| Clark | 1.44% |
| Clermont | 1.50% |
| Clinton | 1.08% |
| Columbiana | 1.18% |
| Coshocton | 1.18% |
| Crawford | 1.40% |
| Cuyahoga | 2.44% |
| Darke | 1.11% |
| Defiance | 1.30% |
| Delaware | 1.82% |
| Erie | 1.41% |
| Fairfield | 1.36% |
| Fayette | 1.16% |
| Franklin | 2.05% |
| Fulton | 1.37% |
| Gallia | 1.06% |
| Geauga | 1.56% |
| Greene | 1.90% |
| Guernsey | 1.10% |
| Hamilton | 1.81% |
| Hancock | 1.10% |
| Hardin | 1.22% |
| Harrison | 0.95% |
| Henry | 1.26% |
| Highland | 1.13% |
| Hocking | 1.09% |
| Holmes | 1.10% |
| Huron | 1.16% |
| Jackson | 1.05% |
| Jefferson | 1.10% |
| Knox | 1.21% |
| Lake | 1.79% |
| Lawrence | 0.87% |
| Licking | 1.45% |
| Logan | 1.13% |
| Lorain | 1.69% |
| Lucas | 2.02% |
| Madison | 1.31% |
| Mahoning | 1.57% |
| Marion | 1.28% |
| Medina | 1.50% |
| Meigs | 0.99% |
| Mercer | 1.17% |
| Miami | 1.20% |
| Monroe | 0.89% |
| Montgomery | 2.18% |
| Morgan | 0.99% |
| Morrow | 1.18% |
| Muskingum | 1.12% |
| Noble | 0.95% |
| Ottawa | 1.11% |
| Paulding | 1.28% |
| Perry | 1.12% |
| Pickaway | 1.20% |
| Pike | 0.93% |
| Portage | 1.45% |
| Preble | 1.21% |
| Putnam | 0.98% |
| Richland | 1.47% |
| Ross | 1.11% |
| Sandusky | 1.22% |
| Scioto | 1.18% |
| Seneca | 1.23% |
| Shelby | 1.08% |
| Stark | 1.42% |
| Summit | 1.81% |
| Trumbull | 1.49% |
| Tuscarawas | 1.18% |
| Union | 1.44% |
| Van Wert | 1.07% |
| Vinton | 1.18% |
| Warren | 1.56% |
| Washington | 0.99% |
| Wayne | 1.36% |
| Williams | 1.37% |
| Wood | 1.54% |
| Wyandot | 0.90% |
How VA Loans Work in Ohio
View the graphic below to learn more about how VA loans work in Ohio.
