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City · 8,623 residents · Geauga County, Ohio

Bainbridge , Ohio

In Bainbridge, a typical home is worth $446,600 and typical rent is $2,238 a month. Compared with all of Geauga County, typical rent is 107% higher, the typical home value is 35% higher, and the share of households that own their home is 5 points higher.

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  • Typical home value

    $446,600

    35% above the county

    108% above Ohio

    • Bainbridge
    • Geauga
    • Ohio

  • Typical rent

    $2,238a month

    107% above the county

    116% above Ohio

    • Bainbridge
    • Geauga
    • Ohio

  • Typical household income

    $144,167a year

    34% above the county

    102% above Ohio

    • Bainbridge
    • Geauga
    • Ohio

  • Households that own their home

    93%

    5 points above the county

    25 points above Ohio

    • Bainbridge
    • Geauga
    • Ohio

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

Bainbridge is in Geauga 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 Geauga County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bainbridge apart

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

  1. The typical rent in Bainbridge is $2,238 a month, 107% more than in Geauga County as a whole ($1,083).

  2. Nearby, in Bedford Heights, the typical home value is $156,500: 65% less than in Bainbridge ($446,600).

  3. Nearby, in Bedford Heights, the typical rent is $1,009: 55% less than in Bainbridge ($2,238).

  4. Bainbridge has the 11th highest homeownership rate of the 292 cities in Ohio with more than 5,000 people (93%).

  5. The typical home in Bainbridge is worth $446,600, 35% more than in Geauga County as a whole ($331,100).

  6. The typical household income in Bainbridge is $144,167, 34% more than in Geauga County as a whole ($107,860).

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

The homes here

Housing in Bainbridge

What homes there are in Bainbridge, 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 rules in Bainbridge: 93% of homes, more than in Geauga County (88%).

Year built

By age, homes in Bainbridge look like those in Geauga County: the typical year built is 1978.

There is more room for a big family here: 92% of homes have 3 bedrooms or more, against 83% in Geauga County.

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

$2,574 a month

Geauga County: $1,967 a month

Without a mortgage

$1,005 a month

Geauga County: $746 a month

Owners with a mortgage

63%

Geauga County: 62%

Owning costs more in Bainbridge: with a mortgage, the typical cost is $2,574 a month; in Geauga County, $1,967. Without one, $1,005.

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 boundaries of Bainbridge changed since 2015–2019, so the Census does not compare its figures from then and now. In Geauga County, the typical home value rose 37%.

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

MeasureBainbridgeGeauga CountyOhioUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate2.0%1.5%3.4%
People per household 2.512.642.372.53
Drive alone 67%70%75%69%
Carpool Unreliable estimate10%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 28%17%13%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Bainbridge has 2.51 people on average, about the same as in Geauga County (2.64).

Working from home is more common in Bainbridge: 28%, against 17% in Geauga 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 Bainbridge?

A typical home is tight for the typical income

We start with a typical home in Bainbridge, worth $446,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Bainbridge, which is $144,167 a year. For that payment to be 28% of income, a household would need to earn about $171,506 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Bainbridge. 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 $15,631 (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

$4,002

at 7.18% · 30 years

Loan amount
$438,511
Total interest
$630,914
Paid off in
November 2056

Includes $7,542 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,364 a month

  • Tight

    $3,364 to $4,325 a month

    Your payment · 33%

  • Hard

    more than $4,325 a month

Compared with the typical household income in Bainbridge ($144,167 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,002
Principal & interest$2,971
Property tax$648
Home insurance$186
FHA mortgage insurance (MIP)$198

You need at least $15,631 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

Bainbridge and Geauga County

Bainbridge is in Geauga 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).

Bainbridge's own numbers

Typical home value
$446,600
Typical monthly rent
$2,238
Typical yearly household income
$144,167
Households that own their home
93%
Effective property tax rate
1.74%

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

Numbers for all of Geauga 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)
+48%
Homes in a high flood-risk zone
0.2%

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 Geauga County.

Everything about Geauga County

Buying

Buying a home in Bainbridge

A typical home in Bainbridge is worth $446,600: 35% above the county and 108% above Ohio. With the typical household income in Bainbridge ($144,167 a year), a typical home costs 3.1 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.

  • Bainbridge 3.1 years
  • Geauga 3.1 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Geauga County

According to FHFA’s house price index, home prices in Geauga County rose 73% in the 10 years through 2025.

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

Period County Ohio U.S.
Last year (2025) +4.4% +4.8% +2.9%
5 years (2020–2025) +48% +53% +47%
10 years (2015–2025) +73% +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

Bainbridge next to Geauga 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
  • Bainbridge $446,600
  • Geauga $331,100
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Bainbridge $2,238
  • Geauga $1,083
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Bainbridge $144,167
  • Geauga $107,860
  • Ohio $71,389
  • United States $80,734
See the full table
Bainbridge next to Geauga County and Ohio
Measure Bainbridge Geauga County Ohio U.S.
Typical home value $446,600 $331,100 $214,800 $332,700
Typical monthly rent $2,238 $1,083 $1,034 $1,413
Typical yearly household income $144,167 $107,860 $71,389 $80,734
Households that own their home 93% 87% 67% 65%
Typical yearly property tax $7,790 $4,564 $2,822 $3,119
Effective property tax rate 1.74% 1.38% 1.31% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Geauga 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 Bainbridge

For a typical $446,600 home in Bainbridge, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bainbridge's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,002a month

    Least cash to close
    Down payment
    $15,631
    Cash to close
    $29,029
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $198

  • Conventional, 5% down $3,920a month

    Down payment
    $22,330
    Cash to close
    $35,728
    Rate
    7.18%
    Mortgage insurance
    PMI · $212

  • Conventional, 20% down, no PMI $3,254a month

    Down payment
    $89,320
    Cash to close
    $102,718
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,667a month

    Down payment
    $66,990
    Cash to close
    $80,388
    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 Bainbridge and for Geauga County.

Property tax

Effective rate in Bainbridge

1.74%of the home’s value each year

$7,790 a year for the typical owner in Bainbridge.

  • Bainbridge 1.74%
  • Geauga 1.38%
  • 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 Geauga County

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

Homes in the high-risk zone
0.2%
72
Of those, with NFIP insurance
31%
County Ohio U.S.
Homes in the high-risk zone 0.2% 1.7% 3.5%
Of those, with NFIP insurance 31% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bainbridge

Typical rent in Bainbridge is $2,238 a month: 107% above the county.

HUD publishes a fair market rent for all of Geauga 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 Geauga 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 Bainbridge

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bainbridge is in ZIP code 44023.

For 2 bedrooms it is $1,910: $636 more than the fair market rent for Geauga County ($1,274).

  • 44023 $1,910$2,440

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bainbridge 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?

Free help

Help to buy or rent in Bainbridge

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.

We found no HUD-approved agencies with an office in Geauga County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Bainbridge

No down payment, repair or rent-help program on our list is for Bainbridge or Geauga County. The ones below are statewide in Ohio: they work in Bainbridge 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 Bainbridge

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

  • Breaking Chains Inc

    23300 Chagrin Blvd Ste 201, Beachwood · 10 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 1 more
    (216) 464-0699

  • Nid-Hca Stoudermire

    17017 Miles Ave, Cleveland · 12 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (216) 282-3333

  • Home Repair Resource Center

    2520 Noble Rd, Cleveland Heights · 14 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (216) 381-6100

All counseling agencies in Ohio

Help in Spanish near Bainbridge

None of the 3 agencies on this list say they serve 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 Bainbridge

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

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

Cities

Other cities in Geauga County

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

Everything about Geauga County Housing in Ohio

Nearby cities

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

Neighboring counties

If Geauga 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 Bainbridge.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Bainbridge

Short answers with the numbers for Bainbridge and all of Geauga 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 Bainbridge?

The typical home value in Bainbridge is $446,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Geauga County it is $331,100.

How much does it cost to rent in Bainbridge?

Typical rent in Bainbridge is $2,238 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Geauga County is $1,274.

What is the FHA loan limit in Bainbridge?

Bainbridge uses the FHA limit for all of Geauga 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 Bainbridge?

The typical homeowner in Bainbridge pays $7,790 a year, according to the U.S. Census Bureau. That is 1.74% of the home’s value; in Geauga County, the rate is 1.38%.

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

We found no HUD-approved counseling agencies with an office in Geauga County; the nearest ones are on this page. 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).