In Bay Village, a typical home is worth $353,000. Compared with all of Cuyahoga County, typical household income is 105% higher, the typical home value is 81% higher, and the share of households that own their home is 32 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $312,238 to $421,998.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Bay Village is in Cuyahoga 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 Cuyahoga County. See the county
What this place has that others do not, from public data, most unusual first.
1
91% of households in Bay Village own their home, against 59% in Cuyahoga County.
2
The typical household income in Bay Village is $132,254,105% more than in Cuyahoga County as a whole ($64,468).
3
The typical home in Bay Village is worth $353,000,81% more than in Cuyahoga County as a whole ($195,400).
4
Nearby, in Fairview Park, the typical home value is $239,100: 32% less than in Bay Village ($353,000).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Bay Village
What homes there are in Bay Village, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Bay Village
Cuyahoga County
Ohio
United States
Kind of home: Bay Village and its comparisons
Measure
Bay Village
Cuyahoga County
Ohio
United States
Detached house
93%
59%
69%
61%
Attached house
2%
6%
5%
6%
Building of 2 to 4
Unreliable estimate
10%
8%
8%
Apartments (5 or more)
Unreliable estimate
24%
15%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Bay Village: 93% of homes, more than in Cuyahoga County (59%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Bay Village
Cuyahoga County
Ohio
United States
Year built: Bay Village and its comparisons
Measure
Bay Village
Cuyahoga County
Ohio
United States
Before 1960
51%
56%
38%
26%
1960–1979
35%
25%
26%
24%
1980–1999
7%
12%
20%
25%
2000–2009
3%
4%
10%
14%
2010 or later
4%
4%
7%
11%
The typical year built in Bay Village is 1960, about the same as in Cuyahoga County (1957).
In Bay Village, 84% of homes have 3 bedrooms or more, more than in Cuyahoga County (57%).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K9%
$200K–$300K23%
$300K–$500K43%
$500K–$750K15%
$750K–$1M5%
$1M or more3%
Value of owner-occupied homes: Bay Village and its comparisons
Measure
Bay Village
Under $100K
Unreliable estimate
$100K–$200K
9%
$200K–$300K
23%
$300K–$500K
43%
$500K–$750K
15%
$750K–$1M
5%
$1M or more
3%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Bay Village and its comparisons
Measure
Bay Village
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,201 a month
Cuyahoga County: $1,570 a month
Without a mortgage
$993 a month
Cuyahoga County: $671 a month
Owners with a mortgage
67%
Cuyahoga County: 59%
Owning costs more in Bay Village: with a mortgage, the typical cost is $2,201 a month; in Cuyahoga County, $1,570. Without one, $993.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Bay Village+42%
Cuyahoga County+47%
Ohio+47%
United States+53%
Typical rent
Bay VillageUnreliable
Cuyahoga County+31%
Ohio+28%
United States+33%
Typical household income
Bay Village+28%
Cuyahoga County+28%
Ohio+26%
United States+29%
Change since 2015–2019: Bay Village and its comparisons
Measure
Bay Village
Cuyahoga County
Ohio
United States
Typical home value
+42%
+47%
+47%
+53%
Typical rent
Unreliable estimate
+31%
+28%
+33%
Typical household income
+28%
+28%
+26%
+29%
The typical home value in Bay Village rose 42% since 2015–2019, less than in Cuyahoga County (47%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Bay Village and its comparisons
Measure
Bay Village
Cuyahoga County
Ohio
United States
Rental vacancy
Unreliable estimate
5.3%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
1.0%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.2%
1.5%
3.4%
People per household
2.58
2.20
2.37
2.53
Drive alone
66%
70%
75%
69%
Carpool
3%
7%
8%
9%
Public transit
Unreliable estimate
3%
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
29%
16%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Bay Village are bigger: 2.58 people on average; in Cuyahoga County, 2.20.
Working from home is more common in Bay Village: 29%, against 16% in Cuyahoga County.
Do the math
What would you pay each month for a home in Bay Village?
A typical home is tight for the typical income
We start with a typical home in Bay Village, worth $353,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Bay Village, which is $132,254 a year. For that payment to be 28% of income, a household would need to earn about $139,974 a year.
The calculator's FHA and conventional loan limits are those of all of Cuyahoga County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Bay Village. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $12,355 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,266
at 7.18% · 30 years
Loan amount
$346,606
Total interest
$498,685
Paid off in
November 2056
Includes $5,961 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,086 a month
Tight
$3,086 to $3,968 a month
Your payment · 30%
Hard
more than $3,968 a month
Compared with the typical household income in Bay Village ($132,254 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,348
Property tax
$615
Home insurance
$147
FHA mortgage insurance (MIP)
$156
You need at least $12,355 for the down payment, plus closing costs.
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.
Total monthly payment $3,266; principal and interest $2,348.
The city and its county
Bay Village and Cuyahoga County
Bay Village is in Cuyahoga 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).
Bay Village
Map of Cuyahoga County, Ohio, with Bay Village marked. Around it, the neighboring counties.
Bay Village
Cuyahoga County
Other cities with a page
Bay Village's own numbers
Typical home value
$353,000
Typical yearly household income
$132,254
Households that own their home
91%
Effective property tax rate
2.09%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Cuyahoga 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)
+54%
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 Cuyahoga County.
A typical home in Bay Village is worth $353,000: 81% above the county and 64% above Ohio. With the typical household income in Bay Village ($132,254 a year), a typical home costs 2.7 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.
Bay Village2.7 years
Cuyahoga3.0 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Cuyahoga County
According to FHFA’s house price index, home prices in Cuyahoga County rose 93% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Cuyahoga County.
Yearly change in FHFA’s price index in Cuyahoga County, 2016 to 2025
2016: +3.7% +3.7% 2016
2017: +4.9% +4.9% 2017
2018: +5.9% +5.9% 2018
2019: +4.5% +4.5% 2019
2020: +4.7% +4.7% 2020
2021: +11.6% +11.6% 2021
2022: +13.0% +13.0% 2022
2023: +8.3% +8.3% 2023
2024: +6.3% +6.3% 2024
2025: +5.7% +5.7% 2025
Change in FHFA’s price index in Cuyahoga County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+5.7%
+4.8%
+2.9%
5 years (2020–2025)
+54%
+53%
+47%
10 years (2015–2025)
+93%
+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
Bay Village next to Cuyahoga 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
Bay Village$353,000
Cuyahoga$195,400
Ohio$214,800
United States$332,700
Typical yearly household income
Bay Village$132,254
Cuyahoga$64,468
Ohio$71,389
United States$80,734
See the full table
Bay Village next to Cuyahoga County and Ohio
Measure
Bay Village
Cuyahoga County
Ohio
U.S.
Typical home value
$353,000 ▲81% above the county
$195,400
$214,800
$332,700
Typical yearly household income
$132,254 ▲105% above the county
$64,468
$71,389
$80,734
Households that own their home
91% ▲32 points above the county
59%
67%
65%
Typical yearly property tax
$7,361 ▲88% above the county
$3,910
$2,822
$3,119
Effective property tax rate
2.09% ▲0.09 points above the county
2%
1.31%
0.94%
Renters with high rent for their income
42% ▼7 points below the county
48%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cuyahoga 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 Bay Village
For a typical $353,000 home in Bay Village, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bay Village's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,266a month
Least cash to close
Down payment
$12,355
Cash to close
$22,945
Rate
7.18%
Mortgage insurance
FHA MIP · $156
Conventional, 5% down$3,201a month
Down payment
$17,650
Cash to close
$28,240
Rate
7.18%
Mortgage insurance
PMI · $168
Conventional, 20% down, no PMI$2,675a month
Down payment
$70,600
Cash to close
$81,190
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,001a month
Down payment
$52,950
Cash to close
$63,540
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Bay Village
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,266
$12,355
$346,606
7.18%
FHA MIP · $156
$22,945
580
Conventional, 5% down
$3,201
$17,650
$335,350
7.18%
PMI · $168
$28,240
620*
Conventional, 20% down, no PMI
$2,675
$70,600
$282,400
7.18%
None
$81,190
620*
ITIN, 15% down (example)
$3,001
$52,950
$300,050
8.18%
None
$63,540
Set by the lender
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.
The Census Bureau publishes no typical rent for Bay Village. Below are the fair market rents for Cuyahoga County. In Bay Village, 42% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Cuyahoga 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 lists one building with rents for lower incomes in Bay Village.
Knickerbocker Apartments27100 Knickerbocker Rd, Bay Village 44140148 low-income homes · Studio: 58 · 1 bd: 89 · 2 bd: 1 · In service since 2018 · For older adults(440) 871-3234
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 12 HUD-approved agencies with an office in Cuyahoga County; 5 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Bay Village or Cuyahoga County. The ones below are statewide in Ohio: they work in Bay Village the same as in the rest of the state.
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).
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).
No legal help resource on our list is for Bay Village or Cuyahoga County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Bay Village and all of Cuyahoga 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 Bay Village?
The typical home value in Bay Village is $353,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cuyahoga County it is $195,400.
What is the FHA loan limit in Bay Village?
Bay Village uses the FHA limit for all of Cuyahoga 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 Bay Village?
The typical homeowner in Bay Village pays $7,361 a year, according to the U.S. Census Bureau. That is 2.09% of the home’s value; in Cuyahoga County, the rate is 2%.
Where can I find free help to buy or rent in Bay Village?
There are 12 HUD-approved counseling agencies with an office in Cuyahoga County. 5 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
