How Much House Can a Physical Therapist Afford in Columbus?
A Physical Therapist earning $84,000/year in Columbus can afford a home priced up to approximately $213,000 with a 20% down payment and standard 30-year mortgage at 6.95%. Ohio charges up to 3.99% state income tax.
| Metric | Value |
|---|---|
| Annual Salary | $84,000 |
| Monthly Gross | $7,000 |
| Monthly Take-Home (~23% tax) | $5,390 |
| Max PITI (28% rule) | $1,509 |
| Affordable Home Price (20% down) | $213,000 |
| Affordable Home Price (10% down) | $189,000 |
| Estimated Down Payment (20%) | $42,600 |
| Monthly Mortgage Payment | $1,127 |
How Does Columbus’s Housing Market Compare?
The median home price in Columbus is approximately $270,000. A Physical Therapist earning $84,000 may need to explore outer suburbs or consider a dual-income household to comfortably purchase a median-priced home in Columbus.
Tips for Homebuying in Columbus on a Physical Therapist Salary
- Save aggressively for the down payment. With a target of $42,600, aim to save 15–20% of your take-home pay monthly until you hit your goal.
- Explore first-time homebuyer programs. OH and Columbus may offer down payment assistance, closing cost grants, or favorable mortgage terms for qualifying buyers.
- Consider a 15-year mortgage. If budget allows, a shorter loan term dramatically reduces total interest paid over the life of the loan.
- Get pre-approved before shopping. A pre-approval letter strengthens your offer in Columbus’s competitive real estate market.
Frequently Asked Questions
How much house can a Physical Therapist afford in Columbus?
A Physical Therapist earning $84,000 in Columbus can typically afford a home priced between $189,000 (10% down) and $213,000 (20% down), using the 28% housing-to-income rule.
What is the median home price in Columbus?
The median home price in Columbus is approximately $270,000 as of 2026, depending on neighborhood and property type.
Is Columbus affordable for Physical Therapists?
Columbus has become more competitive in recent years. A Physical Therapist earning $84,000 may need to be strategic about location or consider dual-income to comfortably buy at the median price.
Learn More
Explore our full mortgage affordability guide: Mortgage Affordability Calculator 2026
For salary benchmarks: Physical Therapist Salary in Columbus 2026