How to Buy a Home in Columbus, Ohio (Step-by-Step Guide)

Buying a home in Columbus, Ohio can feel overwhelming — especially if it’s your first time. But with the right plan, the process is straightforward and manageable.

Here’s a simple step-by-step guide.

Step 1: Get Pre-Approved

Before looking at homes, speak with a local lender and get pre-approved. This tells you:

• Your price range

• Your monthly payment

• Your negotiating strength

In today’s market, sellers expect buyers to be pre-approved before accepting an offer.

Step 2: Define Your Priorities

Ask yourself:

• What neighborhoods fit your lifestyle?

• How important are schools?

• Do you want move-in ready or fixer-upper?

Popular Columbus suburbs include Dublin, Powell, Worthington, Hilliard, and Upper Arlington — each with different price points and vibes.

Step 3: Tour Homes Strategically

Avoid seeing “everything.” Focus on homes that truly match your goals and budget. Competitive homes can move quickly, so clarity matters.

Step 4: Make a Strong Offer

Your offer isn’t just about price. Terms matter:

• Inspection timelines

• Closing flexibility

• Earnest money

• Appraisal strategy

A clean, well-structured offer can win, even without being the highest price.

Step 5: Inspection & Appraisal

After your offer is accepted:

• Home inspection ensures the property condition

• Appraisal confirms value for the lender

Negotiations may happen during this stage.

Step 6: Closing

Once financing clears and final paperwork is signed, you’ll receive the keys. From contract to closing typically takes 30–45 days.

Is Now a Good Time to Buy in Columbus?

Columbus remains one of the strongest real estate markets in Ohio due to job growth and steady demand. Buyers today face less chaos than peak years, making it a more stable time to purchase.

If you’re considering buying a home in Columbus, having a clear plan gives you a competitive advantage.