How Much House Can a Physician Afford in Columbus?
A Physician earning $212,000/year in Columbus can afford a home priced up to approximately $624,000 with a 20% down payment and a 30-year fixed mortgage at 6.95%.
| Metric | Value |
|---|---|
| Annual Salary | $212,000 |
| Monthly Take-Home (after ~23% tax) | $13,603 |
| Max Housing Budget (28% rule) | $3,808 |
| Affordable Home Price (20% down) | $624,000 |
| Down Payment Required | $124,800 |
| Monthly Mortgage Payment | $3,304 |
Tips for Homebuying in Columbus
- Save aggressively toward your $124,800 down payment goal
- Explore first-time buyer programs in Columbus for grants or favorable terms
- Get pre-approved before making offers in Columbus’s competitive market
- Factor property taxes and HOA fees into your monthly budget
FAQ
How much house can a Physician afford in Columbus?
Approximately $624,000 with 20% down and a 30-year mortgage, based on the 28% income rule.
What salary do you need to buy a house in Columbus?
Income requirements vary by home price. A Physician earning $212,000 can typically afford homes in the $499,200–$624,000 range.
Related
Mortgage Affordability Calculator 2026 | Physician Salary in Columbus 2026