In Bedford, a typical home is worth $135,200 and typical rent is $1,059 a month. Compared with all of Cuyahoga County, the typical home value is 31% lower and typical household income is 11% lower.
Typical home value from Zillow, September 2021 to September 2026: from $118,327 to $155,636.
Typical rent
$1,119a month
▲ 3.6% more than 12 months ago
Typical rent from Zillow, March 2024 to September 2026: from $965 to $1,119.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Bedford 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
Nearby, in Maple Heights, the typical home value is $97,900: 28% less than in Bedford ($135,200).
2
The typical home in Bedford is worth $135,200,31% less than in Cuyahoga County as a whole ($195,400).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Bedford
What homes there are in Bedford, 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
Bedford
Cuyahoga County
Ohio
United States
Kind of home: Bedford and its comparisons
Measure
Bedford
Cuyahoga County
Ohio
United States
Detached house
61%
59%
69%
61%
Attached house
3%
6%
5%
6%
Building of 2 to 4
8%
10%
8%
8%
Apartments (5 or more)
28%
24%
15%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Bedford: 61% of homes, near the figure in Cuyahoga County (59%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Bedford
Cuyahoga County
Ohio
United States
Year built: Bedford and its comparisons
Measure
Bedford
Cuyahoga County
Ohio
United States
Before 1960
56%
56%
38%
26%
1960–1979
23%
25%
26%
24%
1980–1999
17%
12%
20%
25%
2000–2009
Unreliable estimate
4%
10%
14%
2010 or later
Unreliable estimate
4%
7%
11%
The typical year built in Bedford is 1958, about the same as in Cuyahoga County (1957).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K26%
$100K–$200K51%
$200K–$300K15%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Bedford and its comparisons
Measure
Bedford
Under $100K
26%
$100K–$200K
51%
$200K–$300K
15%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99936%
$1,000–$1,49945%
$1,500–$1,9997%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Bedford and its comparisons
Measure
Bedford
Under $500
Unreliable estimate
$500–$999
36%
$1,000–$1,499
45%
$1,500–$1,999
7%
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,261 a month
Cuyahoga County: $1,570 a month
Without a mortgage
$528 a month
Cuyahoga County: $671 a month
Owners with a mortgage
65%
Cuyahoga County: 59%
The typical cost for an owner with a mortgage in Bedford is $1,261 a month, less than in Cuyahoga County ($1,570); without one, $528.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Bedford+48%
Cuyahoga County+47%
Ohio+47%
United States+53%
Typical rent
Bedford+25%
Cuyahoga County+31%
Ohio+28%
United States+33%
Typical household income
Bedford+25%
Cuyahoga County+28%
Ohio+26%
United States+29%
Change since 2015–2019: Bedford and its comparisons
Measure
Bedford
Cuyahoga County
Ohio
United States
Typical home value
+48%
+47%
+47%
+53%
Typical rent
+25%
+31%
+28%
+33%
Typical household income
+25%
+28%
+26%
+29%
The typical home value in Bedford rose 48% since 2015–2019, about the same as in Cuyahoga County (47%).
Since 2015–2019, the typical rent in Bedford rose 25%, less than in Cuyahoga County (31%).
The typical household income in Bedford rose 25% over that time; home values changed +48% and rent +25%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Bedford and its comparisons
Measure
Bedford
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
2.11
2.20
2.37
2.53
Drive alone
82%
70%
75%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
3%
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
11%
16%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Cuyahoga County, a household in Bedford has 2.11 people on average.
In Bedford, 82% of workers drive alone to work; in Cuyahoga County, 70%.
Do the math
What would you pay each month for a home in Bedford?
A typical home is within reach of the typical income
We start with a typical home in Bedford, worth $135,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Bedford, which is $57,308 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 Bedford. 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 $4,732 (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
$1,239
at 7.18% · 30 years
Loan amount
$132,751
Total interest
$190,998
Paid off in
November 2056
Includes $2,283 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,337 a month
Your payment · 26%
Tight
$1,337 to $1,719 a month
Hard
more than $1,719 a month
Compared with the typical household income in Bedford ($57,308 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$899
Property tax
$223
Home insurance
$56
FHA mortgage insurance (MIP)
$60
You need at least $4,732 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 $1,239; principal and interest $899.
The city and its county
Bedford and Cuyahoga County
Bedford 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).
Bedford
Map of Cuyahoga County, Ohio, with Bedford marked. Around it, the neighboring counties.
Bedford
Cuyahoga County
Other cities with a page
Bedford's own numbers
Typical home value
$135,200
Typical monthly rent
$1,059
Typical yearly household income
$57,308
Households that own their home
59%
Effective property tax rate
1.98%
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 Bedford is worth $135,200: 31% below the county and 37% below Ohio. With the typical household income in Bedford ($57,308 a year), a typical home costs 2.4 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.
Bedford2.4 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
Bedford 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
Bedford$135,200
Cuyahoga$195,400
Ohio$214,800
United States$332,700
Typical monthly rent
Bedford$1,059
Cuyahoga$1,060
Ohio$1,034
United States$1,413
Typical yearly household income
Bedford$57,308
Cuyahoga$64,468
Ohio$71,389
United States$80,734
See the full table
Bedford next to Cuyahoga County and Ohio
Measure
Bedford
Cuyahoga County
Ohio
U.S.
Typical home value
$135,200 ▼31% below the county
$195,400
$214,800
$332,700
Typical monthly rent
$1,059
$1,060
$1,034
$1,413
Typical yearly household income
$57,308 ▼11% below the county
$64,468
$71,389
$80,734
Households that own their home
59%
59%
67%
65%
Typical yearly property tax
$2,678 ▼32% below the county
$3,910
$2,822
$3,119
Effective property tax rate
1.98% ▼0.02 points below the county
2%
1.31%
0.94%
Renters with high rent for their income
48%
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 Bedford
For a typical $135,200 home in Bedford, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bedford's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,239a month
Least cash to close
Down payment
$4,732
Cash to close
$8,788
Rate
7.18%
Mortgage insurance
FHA MIP · $60
Conventional, 5% down$1,214a month
Down payment
$6,760
Cash to close
$10,816
Rate
7.18%
Mortgage insurance
PMI · $64
Conventional, 20% down, no PMI$1,012a month
Down payment
$27,040
Cash to close
$31,096
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,137a month
Down payment
$20,280
Cash to close
$24,336
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Bedford
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,239
$4,732
$132,751
7.18%
FHA MIP · $60
$8,788
580
Conventional, 5% down
$1,214
$6,760
$128,440
7.18%
PMI · $64
$10,816
620*
Conventional, 20% down, no PMI
$1,012
$27,040
$108,160
7.18%
None
$31,096
620*
ITIN, 15% down (example)
$1,137
$20,280
$114,920
8.18%
None
$24,336
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.
Typical rent in Bedford is $1,059 a month: about the same as the county. In Bedford, 48% 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Cuyahoga County (Fiscal year 2027)
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 Bedford
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bedford is in ZIP code 44146.
For 2 bedrooms it is $1,230: $44 less than the fair market rent for Cuyahoga County ($1,274).
Fair market rent by ZIP code and size in Bedford, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
44146
$890
$1,010
$1,230
$1,570
$1,690
ZIP code2 bd3 bd
44146 $1,230$1,570
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bedford 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Bedford or Cuyahoga County. The ones below are statewide in Ohio: they work in Bedford 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 Bedford 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 Bedford 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 Bedford?
The typical home value in Bedford is $135,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cuyahoga County it is $195,400.
How much does it cost to rent in Bedford?
Typical rent in Bedford is $1,059 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cuyahoga County is $1,274.
What is the FHA loan limit in Bedford?
Bedford 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 Bedford?
The typical homeowner in Bedford pays $2,678 a year, according to the U.S. Census Bureau. That is 1.98% of the home’s value; in Cuyahoga County, the rate is 2%.
Where can I find free help to buy or rent in Bedford?
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.
