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Homestead Exemption Laws in Ohio

Ohio protects up to $182,625 of a person's interest in a residence, an amount adjusted every three years and in effect from April 1, 2025 through March 31, 2028.

Last checked . General information, not legal advice.

Ohio at a glance

Exemption amount
$182,625
Statutory base of $125,000 adjusted for inflation every three years; this figure applies April 1, 2025 to March 31, 2028.
Unlimited in value
No
Acreage limit
No acreage limit
The exemption covers one parcel or item of property used as a residence.

Sources

Last checked

The rules in Ohio

How much home equity does the homestead exemption protect in Ohio?

Exemption amount in Ohio: $182,625. Statutory base of $125,000 adjusted for inflation every three years; this figure applies April 1, 2025 to March 31, 2028.

Is the homestead exemption unlimited in value in Ohio?

No. Unlimited in value in Ohio: no.

Is there an acreage limit on the homestead exemption in Ohio?

Acreage limit in Ohio: No acreage limit. The exemption covers one parcel or item of property used as a residence.

Where do the Ohio homestead exemption laws come from?

The rules above come from Ohio Rev. Code 2329.66(A)(1)(b) and Ohio Rev. Code 2329.66(B). Each source is linked on this page. We last checked them in October 2026.

Good to know

The statute lists $125,000, but the Ohio Judicial Conference adjusts the amount every three years. The current figure applies from April 1, 2025 through March 31, 2028.

What this means in practice

The exemption applies to equity, not to the full value of the home. Equity is the market value minus the mortgages and other liens on the property. A lender that holds a mortgage on the home, and certain other claims such as taxes on the property, can usually still be enforced against it regardless of the exemption.

Check whether you need to take a step to claim the protection. Some states protect a home automatically once it is your residence, while others require you to record a homestead declaration with the county or to claim the exemption in court when a creditor tries to collect.

In bankruptcy, federal law can limit a state homestead exemption for a home bought within a set period before the filing, and residency rules decide which state's exemptions apply if you moved recently. Some states also let filers choose the federal bankruptcy exemptions instead of the state list. A bankruptcy attorney can confirm which rules apply to your situation.

General information, not legal advice. Laws change, and cities can add their own rules, so check the current statute before you rely on it.