In Berea, a typical home is worth $198,100 and typical rent is $1,062 a month. Compared with all of Cuyahoga County, typical household income is 16% higher and the share of households that own their home is 14 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $182,346 to $239,840.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Berea 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
73% of households in Berea own their home, against 59% in Cuyahoga County.
2
The typical household income in Berea is $74,926,16% more than in Cuyahoga County as a whole ($64,468).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Berea
What homes there are in Berea, 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
Berea
Cuyahoga County
Ohio
United States
Kind of home: Berea and its comparisons
Measure
Berea
Cuyahoga County
Ohio
United States
Detached house
76%
59%
69%
61%
Attached house
4%
6%
5%
6%
Building of 2 to 4
Unreliable estimate
10%
8%
8%
Apartments (5 or more)
17%
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 Berea: 76% of homes, more than in Cuyahoga County (59%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Berea
Cuyahoga County
Ohio
United States
Year built: Berea and its comparisons
Measure
Berea
Cuyahoga County
Ohio
United States
Before 1960
51%
56%
38%
26%
1960–1979
29%
25%
26%
24%
1980–1999
8%
12%
20%
25%
2000–2009
9%
4%
10%
14%
2010 or later
3%
4%
7%
11%
The typical year built in Berea is 1959, about the same as in Cuyahoga County (1957).
In Berea, 70% 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
Under the limitOver the limitUnreliable estimate
Under $100K4%
$100K–$200K47%
$200K–$300K31%
$300K–$500K16%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Berea and its comparisons
Measure
Berea
Under $100K
4%
$100K–$200K
47%
$200K–$300K
31%
$300K–$500K
16%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA limit for Cuyahoga County is high ($541,287): at least 98% of owner-occupied homes in Berea are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99939%
$1,000–$1,49936%
$1,500–$1,99915%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Berea and its comparisons
Measure
Berea
Under $500
Unreliable estimate
$500–$999
39%
$1,000–$1,499
36%
$1,500–$1,999
15%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,553 a month
Cuyahoga County: $1,570 a month
Without a mortgage
$680 a month
Cuyahoga County: $671 a month
Owners with a mortgage
65%
Cuyahoga County: 59%
Owning costs about the same in Berea as in Cuyahoga County: with a mortgage, $1,553 a month; without one, $680.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Berea+43%
Cuyahoga County+47%
Ohio+47%
United States+53%
Typical rent
Berea+25%
Cuyahoga County+31%
Ohio+28%
United States+33%
Typical household income
Berea+26%
Cuyahoga County+28%
Ohio+26%
United States+29%
Change since 2015–2019: Berea and its comparisons
Measure
Berea
Cuyahoga County
Ohio
United States
Typical home value
+43%
+47%
+47%
+53%
Typical rent
+25%
+31%
+28%
+33%
Typical household income
+26%
+28%
+26%
+29%
Homes in Berea gained value more slowly than in Cuyahoga County: 43% since 2015–2019, against 47%.
Since 2015–2019, the typical rent in Berea rose 25%, less than in Cuyahoga County (31%).
To compare: typical income in Berea rose 26%; the home, +43%; the rent, +25%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Berea and its comparisons
Measure
Berea
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
2.25
2.20
2.37
2.53
Drive alone
71%
70%
75%
69%
Carpool
5%
7%
8%
9%
Public transit
Unreliable estimate
3%
1%
3%
Walk or bike
6%
3%
2%
3%
Work from home
17%
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
By size, households in Berea look like those in Cuyahoga County: 2.25 people on average.
The car rules in Berea: 71% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Berea?
A typical home is tight for the typical income
We start with a typical home in Berea, worth $198,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Berea, which is $74,926 a year. For that payment to be 28% of income, a household would need to earn about $77,844 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 Berea. 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 $6,934 (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
$1,816
at 7.18% · 30 years
Loan amount
$194,511
Total interest
$279,856
Paid off in
November 2056
Includes $3,345 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,748 a month
Tight
$1,748 to $2,248 a month
Your payment · 29%
Hard
more than $2,248 a month
Compared with the typical household income in Berea ($74,926 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,318
Property tax
$329
Home insurance
$83
FHA mortgage insurance (MIP)
$88
You need at least $6,934 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 $1,816; principal and interest $1,318.
The city and its county
Berea and Cuyahoga County
Berea 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).
Berea
Map of Cuyahoga County, Ohio, with Berea marked. Around it, the neighboring counties.
Berea
Cuyahoga County
Other cities with a page
Berea's own numbers
Typical home value
$198,100
Typical monthly rent
$1,062
Typical yearly household income
$74,926
Households that own their home
73%
Effective property tax rate
1.99%
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 Berea is worth $198,100: about the same as the county and 8% below Ohio. With the typical household income in Berea ($74,926 a year), a typical home costs 2.6 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.
Berea2.6 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
Berea 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
Berea$198,100
Cuyahoga$195,400
Ohio$214,800
United States$332,700
Typical monthly rent
Berea$1,062
Cuyahoga$1,060
Ohio$1,034
United States$1,413
Typical yearly household income
Berea$74,926
Cuyahoga$64,468
Ohio$71,389
United States$80,734
See the full table
Berea next to Cuyahoga County and Ohio
Measure
Berea
Cuyahoga County
Ohio
U.S.
Typical home value
$198,100
$195,400
$214,800
$332,700
Typical monthly rent
$1,062
$1,060
$1,034
$1,413
Typical yearly household income
$74,926 ▲16% above the county
$64,468
$71,389
$80,734
Households that own their home
73% ▲14 points above the county
59%
67%
65%
Typical yearly property tax
$3,934
$3,910
$2,822
$3,119
Effective property tax rate
1.99% ▼0.01 points below the county
2%
1.31%
0.94%
Renters with high rent for their income
43% ▼6 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 Berea
For a typical $198,100 home in Berea, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Berea's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,816a month
Least cash to close
Down payment
$6,934
Cash to close
$12,877
Rate
7.18%
Mortgage insurance
FHA MIP · $88
Conventional, 5% down$1,780a month
Down payment
$9,905
Cash to close
$15,848
Rate
7.18%
Mortgage insurance
PMI · $94
Conventional, 20% down, no PMI$1,485a month
Down payment
$39,620
Cash to close
$45,563
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,668a month
Down payment
$29,715
Cash to close
$35,658
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Berea
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,816
$6,934
$194,512
7.18%
FHA MIP · $88
$12,877
580
Conventional, 5% down
$1,780
$9,905
$188,195
7.18%
PMI · $94
$15,848
620*
Conventional, 20% down, no PMI
$1,485
$39,620
$158,480
7.18%
None
$45,563
620*
ITIN, 15% down (example)
$1,668
$29,715
$168,385
8.18%
None
$35,658
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 Berea is $1,062 a month: about the same as the county. In Berea, 43% 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 Berea
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Berea is in ZIP code 44017.
For 2 bedrooms it is $1,270: $4 less than the fair market rent for Cuyahoga County ($1,274).
Fair market rent by ZIP code and size in Berea, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
44017
$920
$1,050
$1,270
$1,620
$1,750
ZIP code2 bd3 bd
44017 $1,270$1,620
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Berea 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 Berea or Cuyahoga County. The ones below are statewide in Ohio: they work in Berea 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 Berea 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 Berea 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 Berea?
The typical home value in Berea is $198,100, 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 Berea?
Typical rent in Berea is $1,062 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 Berea?
Berea 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 Berea?
The typical homeowner in Berea pays $3,934 a year, according to the U.S. Census Bureau. That is 1.99% of the home’s value; in Cuyahoga County, the rate is 2%.
Where can I find free help to buy or rent in Berea?
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.
