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City · 44,497 residents · Cuyahoga County, Ohio

Cleveland Heights , Ohio

In Cleveland Heights, a typical home is worth $192,100 and typical rent is $1,216 a month. Compared with all of Cuyahoga County, typical rent is 15% higher and typical household income is 13% higher.

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  • Typical home value

    $192,100

    About the same as the county

    11% below Ohio

    • Cleveland Heights
    • Cuyahoga
    • Ohio

  • Typical rent

    $1,216a month

    15% above the county

    18% above Ohio

    • Cleveland Heights
    • Cuyahoga
    • Ohio

  • Typical household income

    $72,826a year

    13% above the county

    2% above Ohio

    • Cleveland Heights
    • Cuyahoga
    • Ohio

  • Households that own their home

    58%

    1 points below the county

    9 points below Ohio

    • Cleveland Heights
    • Cuyahoga
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$206,409
1.3% more than 12 months ago
Typical rent
$1,394 a month
3.9% more than 12 months ago

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

Cleveland Heights 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Cleveland Heights apart

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

  1. Nearby, in East Cleveland, the typical home value is $68,800: 64% less than in Cleveland Heights ($192,100).

  2. Nearby, in East Cleveland, the typical rent is $776: 36% less than in Cleveland Heights ($1,216).

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

The homes here

Housing in Cleveland Heights

What homes there are in Cleveland Heights, 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

In Cleveland Heights, 6 in 10 homes are single-family detached houses, about the same as in Cuyahoga County.

Year built

In Cleveland Heights, at least half of the homes were built before 1940, and 81% date from before 1960.

In Cleveland Heights, 67% of homes have 3 bedrooms or more, more than in Cuyahoga County (57%).

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

By price, most homes in Cleveland Heights sit under the FHA limit for Cuyahoga County ($541,287): about 94%.

Monthly rent with utilities

Measured against HUD's 2-bedroom fair market rent ($1,274), about 54% of rented homes in Cleveland Heights cost less.

With a mortgage

$1,734 a month

Cuyahoga County: $1,570 a month

Without a mortgage

$875 a month

Cuyahoga County: $671 a month

Owners with a mortgage

62%

Cuyahoga County: 59%

Owning costs more in Cleveland Heights: with a mortgage, the typical cost is $1,734 a month; in Cuyahoga County, $1,570. Without one, $875.

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 Cleveland Heights rose 49% since 2015–2019, about the same as in Cuyahoga County (47%).

Rents in Cleveland Heights rose more slowly than in Cuyahoga County: 26% since 2015–2019, against 31%.

To compare: typical income in Cleveland Heights rose 26%; the home, +49%; the rent, +26%.

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

MeasureCleveland HeightsCuyahoga CountyOhioUnited States
Rental vacancy 5.7%5.3%4.4%5.5%
Homeowner vacancy Unreliable estimate1.0%0.8%0.9%
More than one person per room Unreliable estimate1.2%1.5%3.4%
People per household 2.262.202.372.53
Drive alone 63%70%75%69%
Carpool 8%7%8%9%
Public transit 3%3%1%3%
Walk or bike 6%3%2%3%
Work from home 18%16%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Cuyahoga County, the rental vacancy rate in Cleveland Heights is 5.7%.

A household in Cleveland Heights has 2.26 people on average, about the same as in Cuyahoga County (2.20).

More people walk or bike to work in Cleveland Heights: 6%, against 3% in Cuyahoga 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 Cleveland Heights?

A typical home is tight for the typical income

We start with a typical home in Cleveland Heights, worth $192,100, 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 Cleveland Heights, which is $72,826 a year. For that payment to be 28% of income, a household would need to earn about $80,769 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Cleveland Heights. 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 $6,724 (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

$1,885

at 7.18% · 30 years

Loan amount
$188,620
Total interest
$271,380
Paid off in
November 2056

Includes $3,244 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,699 a month

  • Tight

    $1,699 to $2,185 a month

    Your payment · 31%

  • Hard

    more than $2,185 a month

Compared with the typical household income in Cleveland Heights ($72,826 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,885
Principal & interest$1,278
Property tax$442
Home insurance$80
FHA mortgage insurance (MIP)$85

You need at least $6,724 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

Cleveland Heights and Cuyahoga County

Cleveland Heights 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).

Cleveland Heights's own numbers

Typical home value
$192,100
Typical monthly rent
$1,216
Typical yearly household income
$72,826
Households that own their home
58%
Effective property tax rate
2.76%

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.

Everything about Cuyahoga County

Buying

Buying a home in Cleveland Heights

A typical home in Cleveland Heights is worth $192,100: about the same as the county and 11% below Ohio. With the typical household income in Cleveland Heights ($72,826 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.

  • Cleveland Heights 2.6 years
  • Cuyahoga 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 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.

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

Cleveland Heights 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
  • Cleveland Heights $192,100
  • Cuyahoga $195,400
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Cleveland Heights $1,216
  • Cuyahoga $1,060
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Cleveland Heights $72,826
  • Cuyahoga $64,468
  • Ohio $71,389
  • United States $80,734
See the full table
Cleveland Heights next to Cuyahoga County and Ohio
Measure Cleveland Heights Cuyahoga County Ohio U.S.
Typical home value $192,100 $195,400 $214,800 $332,700
Typical monthly rent $1,216 $1,060 $1,034 $1,413
Typical yearly household income $72,826 $64,468 $71,389 $80,734
Households that own their home 58% 59% 67% 65%
Typical yearly property tax $5,306 $3,910 $2,822 $3,119
Effective property tax rate 2.76% 2% 1.31% 0.94%
Renters with high rent for their income 50% 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 Cleveland Heights

For a typical $192,100 home in Cleveland Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cleveland Heights's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,885a month

    Least cash to close
    Down payment
    $6,724
    Cash to close
    $12,487
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $85

  • Conventional, 5% down $1,849a month

    Down payment
    $9,605
    Cash to close
    $15,368
    Rate
    7.18%
    Mortgage insurance
    PMI · $91

  • Conventional, 20% down, no PMI $1,563a month

    Down payment
    $38,420
    Cash to close
    $44,183
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,741a month

    Down payment
    $28,815
    Cash to close
    $34,578
    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 Cleveland Heights and for Cuyahoga County.

Property tax

Effective rate in Cleveland Heights

2.76%of the home’s value each year

$5,306 a year for the typical owner in Cleveland Heights.

  • Cleveland Heights 2.76%
  • Cuyahoga 2%
  • 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 Cuyahoga County

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

Homes in the high-risk zone
0.2%
802
Of those, with NFIP insurance
38%
County Ohio U.S.
Homes in the high-risk zone 0.2% 1.7% 3.5%
Of those, with NFIP insurance 38% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cleveland Heights

Typical rent in Cleveland Heights is $1,216 a month: 15% above the county. In Cleveland Heights, 50% 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 fair market rent for all of Cuyahoga 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 Cleveland Heights

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cleveland Heights has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,410 in 44121 to $1,520 in 44118.

2 of the 2 are above the fair market rent for Cuyahoga County ($1,274).

  • 44118 $1,520$1,940
  • 44121 $1,410$1,800

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cleveland Heights 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 Cleveland Heights

HUD lists 10 buildings with rents for lower incomes in Cleveland Heights. These are the largest.

  • Musicians Towers 2727 Lancashire Rd, Cleveland Heights 44106 240 low-income homes · 1 bd: 228 · 2 bd: 12 · In service since 2020 · For older adults (216) 378-1860
  • Severance Towers 25 Severance Cir, Cleveland Heights 44118 190 low-income homes · For older adults (216) 795-6797
  • Warrensville Community Apts 1500 Warrensville Center Rd, Cleveland Heights 44121 101 homes, 100 low-income · 1 bd: 96 · 2 bd: 5 · In service since 2008 · For older adults (216) 291-8821
  • Warrensville Manor 1476 Warrensville Center Rd, Cleveland Heights 44121 100 low-income homes · For older adults (216) 291-0779
  • Margaret Wagner Apartments III 2373 Euclid Heights Blvd, Cleveland Heights 44106 80 low-income homes · For older adults (216) 791-8000

See all 372 buildings in Cuyahoga County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cleveland Heights

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.

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 Cleveland Heights

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

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

  • Nid-Hca Valentine

    2490 Lee Boulevard, Suite 306, Cleveland Heights · 1 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (216) 932-6624

  • Home Repair Resource Center

    2520 Noble Rd, Cleveland Heights · 2 miles away

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

  • Ohio State University Extension - Cuyahoga County

    12200 Fairhill Rd, Cleveland · 2 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (216) 429-8200

Every agency in Cuyahoga County All counseling agencies in Ohio

Help in Spanish near Cleveland Heights

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 Cleveland Heights

In HUD’s record, no housing authority with an office in Cuyahoga County is named for Cleveland Heights or Cuyahoga County.

3 other authorities have an office in Cuyahoga County: see the list Source: HUD

Cities

Other cities in Cuyahoga County

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

Everything about Cuyahoga County Housing in Ohio
See 25 more cities in Cuyahoga County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Cleveland Heights, with the typical home value.

Neighboring counties

If Cuyahoga 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 Cleveland Heights.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Cleveland Heights

Short answers with the numbers for Cleveland Heights 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 Cleveland Heights?

The typical home value in Cleveland Heights is $192,100, 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 Cleveland Heights?

Typical rent in Cleveland Heights is $1,216 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 Cleveland Heights?

Cleveland Heights 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 Cleveland Heights?

The typical homeowner in Cleveland Heights pays $5,306 a year, according to the U.S. Census Bureau. That is 2.76% of the home’s value; in Cuyahoga County, the rate is 2%.

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

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.

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).