Buying a house in Ohio is about more than just finding the right property — it’s about understanding the market, the process, and the local details that can save you money and stress.
Here’s what every buyer should know before starting their home journey in Ohio — especially around Coshocton and Tuscarawas Counties.

1️⃣Understand the Local Market

Ohio’s real estate market is diverse. Cities like Columbus and Cleveland move faster, while areas like Coshocton, New Philadelphia, and Dover offer more affordable options and small-town charm.
👉 Tip: Work with a local Realtor (like me) who understands pricing trends, school districts, and zoning laws in your exact county.

Use the MLS Now app or your agent’s search portal to track listings and see how long homes stay on the market. In my area, well-priced homes between $150K–$300K are moving quickly — so timing matters.

2️⃣ Get Pre-Approved Before You Shop

In Ohio, serious buyers get pre-approved before touring homes.
Pre-approval not only clarifies your budget, it makes your offer stand out in a competitive market.
Local lenders — like SSB Community Bank in Strasburg or Peoples Bank in Coshocton — can guide you through FHA, VA, USDA, and conventional options. We have a variety of Banks we work with. Reach out and we send you more info.

3️⃣ Know the Hidden Costs of Homeownership

Beyond your down payment, expect:

• Property taxes (which vary by county)
• Home insurance and HOA dues
• Inspection, appraisal, and closing costs

In Tuscarawas and Coshocton Counties, property taxes tend to be lower than the state average — which is great for long-term affordability.

4️⃣ Hire the Right Home Inspector

A detailed inspection is your best defense against surprises.
Work with experienced inspectors like Marcus Sellard, Edi Bill or Brandon Blair — professionals who know the local soil, septic, and foundation issues that are common in rural Ohio.

5️⃣ Understand Ohio’s Title & Closing Process

In Ohio, you’ll work with a title company or attorney to verify ownership and handle closing.
Title companies like Fidelity Title, Alban Title or Ohio Real Title will ensure there are no hidden liens or ownership disputes.

The closing typically takes 30–45 days from accepted offer to keys-in-hand.

6️⃣ Take Advantage of Ohio-Specific Programs

Ohio offers several buyer-assistance programs for first-time and repeat buyers:

• OHFA (Ohio Housing Finance Agency) down-payment assistance
• Welcome Home Grant programs through local lenders
• Ohio Heroes Program for teachers, nurses, and veterans or Firefighters

These programs can lower your upfront costs — ask your Realtor or lender if you qualify.

7️⃣ Choose the Right Realtor for Your Area

A local Realtor who knows Coshocton and Tuscarawas Counties will help you:

• Find properties before they hit Zillow
• Negotiate better deals
• Connect you with trusted local vendors
• Make the process smooth and stress-free

As Matthias Sterzer – The German Realtor Team, my goal is to educate and empower you through every step, creating “lightbulb moments” along the way.

💡 Final Thought

Buying a home in Ohio can be one of your best financial decisions — especially when you’re informed and guided by local expertise.
Start with clarity, build your team, and you’ll be holding the keys to your new Ohio home sooner than you think.

👉 Let’s talk about your goals and get you moving.
📞 Call/Text: 740-610-8725
📍 Serving New Philadelphia, Sugarcreek, Coshocton & surrounding areas
🔗 Schedule Your Free Consultation