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City · 25,317 residents · Lorain County, Ohio

Avon , Ohio

In Avon, a typical home is worth $395,900 and typical rent is $1,796 a month. Compared with all of Lorain County, typical rent is 86% higher, typical household income is 85% higher, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $395,900

    77% above the county

    84% above Ohio

    • Avon
    • Lorain
    • Ohio

  • Typical rent

    $1,796a month

    86% above the county

    74% above Ohio

    • Avon
    • Lorain
    • Ohio

  • Typical household income

    $135,915a year

    85% above the county

    90% above Ohio

    • Avon
    • Lorain
    • Ohio

  • Households that own their home

    88%

    14 points above the county

    21 points above Ohio

    • Avon
    • Lorain
    • Ohio

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$478,933
4.7% more than 12 months ago
Typical rent
$2,334 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Avon is in Lorain County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Lorain County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Avon apart

What this place has that others do not, from public data, most unusual first.

  1. The typical rent in Avon is $1,796 a month, 86% more than in Lorain County as a whole ($966).

  2. The typical household income in Avon is $135,915, 85% more than in Lorain County as a whole ($73,347).

  3. The typical home in Avon is worth $395,900, 77% more than in Lorain County as a whole ($223,200).

  4. Nearby, in North Olmsted, the typical home value is $219,800: 44% less than in Avon ($395,900).

  5. Nearby, in North Ridgeville, the typical rent is $1,116: 38% less than in Avon ($1,796).

  6. 88% of households in Avon own their home, against 74% in Lorain County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Avon

What homes there are in Avon, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is the most common home in Avon: 78% of homes, near the figure in Lorain County (76%).

Year built

Here half of the homes date from 2001 or later; in Lorain County, from 1973 or later.

Homes in Avon are bigger: 75% have 3 bedrooms or more; in Lorain County, 71%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,471 a month

Lorain County: $1,525 a month

Without a mortgage

$818 a month

Lorain County: $629 a month

Owners with a mortgage

64%

Lorain County: 62%

The typical cost for an owner with a mortgage in Avon is $2,471 a month, more than in Lorain County ($1,525); without one, $818.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Avon rose 33% since 2015–2019, less than in Lorain County (48%).

Rents in Avon rose faster than in Lorain County: 45% since 2015–2019, against 25%.

Here income did not keep up with housing: it rose 24%, while home values changed +33% and rent +45%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAvonLorain CountyOhioUnited States
Rental vacancy Unreliable estimate7.5%4.4%5.5%
Homeowner vacancy Unreliable estimate0.7%0.8%0.9%
More than one person per room Unreliable estimate1.3%1.5%3.4%
People per household 2.632.422.372.53
Drive alone 72%78%75%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 23%12%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.63 on average, against 2.42 in Lorain County.

Working from home is more common in Avon: 23%, against 12% in Lorain County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Avon?

A typical home is tight for the typical income

We start with a typical home in Avon, worth $395,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Avon, which is $135,915 a year. For that payment to be 28% of income, a household would need to earn about $148,925 a year.

The calculator's FHA and conventional loan limits are those of all of Lorain County.

Your numbers

Local data
$

Starts at the typical home value in Avon. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $13,857 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,475

at 7.18% · 30 years

Loan amount
$388,729
Total interest
$559,289
Paid off in
November 2056

Includes $6,686 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,171 a month

  • Tight

    $3,171 to $4,077 a month

    Your payment · 31%

  • Hard

    more than $4,077 a month

Compared with the typical household income in Avon ($135,915 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,475
Principal & interest$2,633
Property tax$502
Home insurance$165
FHA mortgage insurance (MIP)$175

You need at least $13,857 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Avon and Lorain County

Avon is in Lorain County, Ohio. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Avon's own numbers

Typical home value
$395,900
Typical monthly rent
$1,796
Typical yearly household income
$135,915
Households that own their home
88%
Effective property tax rate
1.52%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Lorain County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,274
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
1.1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Lorain County.

Everything about Lorain County

Buying

Buying a home in Avon

A typical home in Avon is worth $395,900: 77% above the county and 84% above Ohio. With the typical household income in Avon ($135,915 a year), a typical home costs 2.9 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Avon 2.9 years
  • Lorain 3.0 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lorain County

According to FHFA’s house price index, home prices in Lorain County rose 92% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Lorain County.

Period County Ohio U.S.
Last year (2025) +5.6% +4.8% +2.9%
5 years (2020–2025) +56% +53% +47%
10 years (2015–2025) +92% +93% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Avon next to Lorain County, Ohio and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Avon $395,900
  • Lorain $223,200
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Avon $1,796
  • Lorain $966
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Avon $135,915
  • Lorain $73,347
  • Ohio $71,389
  • United States $80,734
See the full table
Avon next to Lorain County and Ohio
Measure Avon Lorain County Ohio U.S.
Typical home value $395,900 $223,200 $214,800 $332,700
Typical monthly rent $1,796 $966 $1,034 $1,413
Typical yearly household income $135,915 $73,347 $71,389 $80,734
Households that own their home 88% 74% 67% 65%
Typical yearly property tax $6,013 $3,055 $2,822 $3,119
Effective property tax rate 1.52% 1.37% 1.31% 0.94%
Renters with high rent for their income 42% 47% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lorain County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Avon

For a typical $395,900 home in Avon, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Avon's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,475a month

    Least cash to close
    Down payment
    $13,857
    Cash to close
    $25,734
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $175

  • Conventional, 5% down $3,402a month

    Down payment
    $19,795
    Cash to close
    $31,672
    Rate
    7.18%
    Mortgage insurance
    PMI · $188

  • Conventional, 20% down, no PMI $2,812a month

    Down payment
    $79,180
    Cash to close
    $91,057
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,178a month

    Down payment
    $59,385
    Cash to close
    $71,262
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Avon and for Lorain County.

Property tax

Effective rate in Avon

1.52%of the home’s value each year

$6,013 a year for the typical owner in Avon.

  • Avon 1.52%
  • Lorain 1.37%
  • Ohio 1.31%

What Ohio publishes Homestead exemption for seniors and people with disabilities (Ohio Department of Taxation)

Exemptions and deadlines in Ohio

Flood risk in Lorain County

FEMA does not publish these numbers by city: they are for all of Lorain County.

Homes in the high-risk zone
1.1%
1,264
Of those, with NFIP insurance
30%
County Ohio U.S.
Homes in the high-risk zone 1.1% 1.7% 3.5%
Of those, with NFIP insurance 30% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Avon

Typical rent in Avon is $1,796 a month: 86% above the county. In Avon, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lorain County, by unit size. To pay the 2-bedroom one ($1,274 a month) without spending more than 30% of your income, you would need to earn $24.50 an hour working full time.

HUD fair market rent for all of Lorain County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $924 $17.77 $36,960
1 bedroom $1,050 $20.19 $42,000
2 bedrooms $1,274 $24.50 $50,960
3 bedrooms $1,628 $31.31 $65,120
4 bedrooms $1,756 $33.77 $70,240

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Avon

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Avon is in ZIP code 44011.

For 2 bedrooms it is $1,840: $566 more than the fair market rent for Lorain County ($1,274).

  • 44011 $1,840$2,350

A ZIP code counts for Avon when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Avon

HUD lists one building with rents for lower incomes in Avon.

  • Timber Lake 37830 Chester Rd, Avon 44011 252 low-income homes · 2 bd: 126 · 3 bd: 126 · In service since 2001

See all 49 buildings in Lorain County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Avon

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 4 HUD-approved agencies with an office in Lorain County; 2 say they serve in Spanish.

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Avon

No down payment, repair or rent-help program on our list is for Avon or Lorain County. The ones below are statewide in Ohio: they work in Avon the same as in the rest of the state.

Which programs do I qualify for? All programs in Ohio

  • Your Choice! Down Payment Assistance

    Statewide in Ohio

    Ohio state agency help of 2.5% or 5% of the price for the down payment, closing costs or other costs before closing, forgiven after seven years; if you sell sooner, you repay all of it. Offered by Ohio Housing Finance Agency (OHFA).

    Forgivable

    See the program Official page

  • Mortgage Tax Credit

    Statewide in Ohio

    Ohio state agency certificate that turns part of your mortgage interest into a credit on your federal tax return, up to $2,000 a year: 40% with an OHFA mortgage (MTC Plus) or 15% to 20% with another mortgage (MTC Basic). Offered by Ohio Housing Finance Agency (OHFA).

    Tax credit

    See the program Official page

Housing counselors near Avon

The HUD-approved agencies closest to the center of Avon, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • El Centro de Servicios Sociales (OH)

    2800 Pearl Ave, Lorain · 7 miles away · Spanish

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 3 more
    (440) 277-8235

  • El Centro de Servicios Sociales, Inc

    2800 Pearl Ave, Lorain · 7 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (440) 277-8235

  • Lorain County Urban League

    200 Middle Ave, Elyria · 8 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 1 more
    (440) 323-3364

Every agency in Lorain County All counseling agencies in Ohio

Help in Spanish near Avon

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Avon

In HUD’s record, no housing authority with an office in Lorain County is named for Avon or Lorain County.

One other authority has an office in Lorain County: see the list Source: HUD

Cities

Other cities in Lorain County

These cities are also in Lorain County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Lorain County Housing in Ohio

Nearby cities

The cities closest to Avon, with the typical home value.

Neighboring counties

If Lorain County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Avon.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Avon

Short answers with the numbers for Avon and all of Lorain County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Avon?

The typical home value in Avon is $395,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lorain County it is $223,200.

How much does it cost to rent in Avon?

Typical rent in Avon is $1,796 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lorain County is $1,274.

What is the FHA loan limit in Avon?

Avon uses the FHA limit for all of Lorain County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Avon?

The typical homeowner in Avon pays $6,013 a year, according to the U.S. Census Bureau. That is 1.52% of the home’s value; in Lorain County, the rate is 1.37%.

Where can I find free help to buy or rent in Avon?

There are 4 HUD-approved counseling agencies with an office in Lorain County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).