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City · 366,097 residents · Cuyahoga County, Ohio

Cleveland , Ohio

In Cleveland, a typical home is worth $102,000 and typical rent is $945 a month. Compared with all of Cuyahoga County, the typical home value is 48% lower, typical household income is 37% lower, and the share of households that own their home is 18 points lower.

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  • Typical home value

    $102,000

    48% below the county

    53% below Ohio

    • Cleveland
    • Cuyahoga
    • Ohio

  • Typical rent

    $945a month

    11% below the county

    9% below Ohio

    • Cleveland
    • Cuyahoga
    • Ohio

  • Typical household income

    $40,801a year

    37% below the county

    43% below Ohio

    • Cleveland
    • Cuyahoga
    • Ohio

  • Households that own their home

    42%

    18 points below the county

    25 points below Ohio

    • Cleveland
    • Cuyahoga
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$115,810
0.8% less than 12 months ago
Typical rent
$1,359 a month
4.3% more than 12 months ago

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

Cleveland 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 apart

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

  1. Cleveland has the 8th lowest homeownership rate of the 292 cities in Ohio with more than 5,000 people (42%).

  2. Cleveland has the 9th lowest typical household income of the 292 cities in Ohio with more than 5,000 people ($40,801).

  3. The typical home in Cleveland is worth $102,000, 48% less than in Cuyahoga County as a whole ($195,400).

  4. Nearby, in East Cleveland, the typical home value is $68,800: 33% less than in Cleveland ($102,000).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Cleveland fell 0.8%; in Ohio, it rose 3.2%.

  6. Nearby, in East Cleveland, the typical rent is $776: 18% less than in Cleveland ($945).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Cleveland

What homes there are in Cleveland, 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 there is a bit of everything: no kind of home reaches half. The most common are detached houses (46%); in Cuyahoga County, 59%.

Year built

In Cleveland, half of the homes were built before 1941; in Cuyahoga County, before 1957.

In Cleveland, 22% of homes have 1 bedroom or none (studios); 44% have 3 bedrooms or more, against 57% in Cuyahoga 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

By price, most homes in Cleveland sit under the FHA limit for Cuyahoga County ($541,287): about 98%.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Cuyahoga County is $1,274; about 70% of rents in Cleveland are below it.

With a mortgage

$1,193 a month

Cuyahoga County: $1,570 a month

Without a mortgage

$476 a month

Cuyahoga County: $671 a month

Owners with a mortgage

52%

Cuyahoga County: 59%

The typical cost for an owner with a mortgage in Cleveland is $1,193 a month, less than in Cuyahoga County ($1,570); without one, $476.

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

Much as in Cuyahoga County, the typical rent in Cleveland rose 31% since 2015–2019.

While home values in Cleveland changed +47% and rent +31%, the typical household income rose 32%.

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

MeasureClevelandCuyahoga CountyOhioUnited States
Rental vacancy 5.1%5.3%4.4%5.5%
Homeowner vacancy 1.5%1.0%0.8%0.9%
More than one person per room 1.5%1.2%1.5%3.4%
People per household 2.092.202.372.53
Drive alone 65%70%75%69%
Carpool 10%7%8%9%
Public transit 7%3%1%3%
Walk or bike 6%3%2%3%
Work from home 12%16%13%15%
Other means 2%2%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 is 5.1%.

Much as in Cuyahoga County, 1.5% of households in Cleveland have more than one person per room.

Fewer people live in each home here: 2.09 on average, against 2.20 in Cuyahoga County.

Public transit matters here: 7% of workers take it to work, 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?

A typical home is within reach of the typical income

We start with a typical home in Cleveland, worth $102,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Cleveland, which is $40,801 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. 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 $3,570 (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

$912

at 7.18% · 30 years

Loan amount
$100,153
Total interest
$144,096
Paid off in
November 2056

Includes $1,723 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $952 a month

    Your payment · 27%

  • Tight

    $952 to $1,224 a month

  • Hard

    more than $1,224 a month

Compared with the typical household income in Cleveland ($40,801 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$912
Principal & interest$678
Property tax$146
Home insurance$43
FHA mortgage insurance (MIP)$45

You need at least $3,570 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 and Cuyahoga County

Cleveland 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's own numbers

Typical home value
$102,000
Typical monthly rent
$945
Typical yearly household income
$40,801
Households that own their home
42%
Effective property tax rate
1.72%

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

A typical home in Cleveland is worth $102,000: 48% below the county and 53% below Ohio. With the typical household income in Cleveland ($40,801 a year), a typical home costs 2.5 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 2.5 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 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 $102,000
  • Cuyahoga $195,400
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Cleveland $945
  • Cuyahoga $1,060
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Cleveland $40,801
  • Cuyahoga $64,468
  • Ohio $71,389
  • United States $80,734
See the full table
Cleveland next to Cuyahoga County and Ohio
Measure Cleveland Cuyahoga County Ohio U.S.
Typical home value $102,000 $195,400 $214,800 $332,700
Typical monthly rent $945 $1,060 $1,034 $1,413
Typical yearly household income $40,801 $64,468 $71,389 $80,734
Households that own their home 42% 59% 67% 65%
Typical yearly property tax $1,759 $3,910 $2,822 $3,119
Effective property tax rate 1.72% 2% 1.31% 0.94%
Renters with high rent for their income 53% 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

For a typical $102,000 home in Cleveland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cleveland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $912a month

    Least cash to close
    Down payment
    $3,570
    Cash to close
    $6,630
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $45

  • Conventional, 5% down $894a month

    Down payment
    $5,100
    Cash to close
    $8,160
    Rate
    7.18%
    Mortgage insurance
    PMI · $48

  • Conventional, 20% down, no PMI $741a month

    Down payment
    $20,400
    Cash to close
    $23,460
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $836a month

    Down payment
    $15,300
    Cash to close
    $18,360
    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 and for Cuyahoga County.

Property tax

Effective rate in Cleveland

1.72%of the home’s value each year

$1,759 a year for the typical owner in Cleveland.

  • Cleveland 1.72%
  • 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

Typical rent in Cleveland is $945 a month: 11% below the county. In Cleveland, 53% 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

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cleveland has 16 ZIP codes with their own.

For 2 bedrooms it runs from $1,000 in 44104 to $1,910 in 44113.

6 of the 16 are above the fair market rent for Cuyahoga County ($1,274).

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

HUD lists 286 buildings with rents for lower incomes in Cleveland. These are the largest.

  • Downtown 2700 Washington Ave, Cleveland 44113 834 homes, 718 low-income · Run by Cuyahoga Metropolitan Housing Authority · Average payment: $190 a month · Average wait: 20 months (216) 348-5000
  • King Kennedy 6001 Woodland Ave, Cleveland 44104 1,016 homes, 700 low-income · Run by Cuyahoga Metropolitan Housing Authority · Average payment: $249 a month · Average wait: 18 months (216) 348-5000
  • Outhwaite 4115 Case Ct, Cleveland 44104 858 homes, 678 low-income · Run by Cuyahoga Metropolitan Housing Authority · Average payment: $180 a month · Average wait: 19 months (216) 348-5000
  • Euclid Beach Villa 125 E 156th St, Cleveland 44110 811 homes, 559 low-income · 1 bd: 446 · 2 bd: 113 · In service since 2003 · For older adults (216) 531-3820
  • Cedar Central 2708 Cedar Ave, Cleveland 44115 604 homes, 500 low-income · Run by Cuyahoga Metropolitan Housing Authority · Average payment: $223 a month · Average wait: 20 months (216) 348-5000

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

Free help

Help to buy or rent in Cleveland

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 young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Cleveland

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

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

  • Spanish American Committee

    4407 Lorain Ave, Cleveland · 2 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (216) 961-2100

  • CHN Housing Partners

    3711 Chester Ave, Cleveland · 2 miles away · Spanish

    Also serves in French.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (216) 881-8443

  • Asian Services in Action, Inc. (ASIA)

    3631 Perkins Ave, Cleveland · 2 miles away

    Also serves in Arabic, Cantonese, and Mandarin Chinese.

    • Budget and financial counseling
    • Fair housing pre-purchase workshops
    • and 6 more
    (216) 881-0330

Every agency in Cuyahoga County All counseling agencies in Ohio

Help in Spanish near Cleveland

2 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

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

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Cleveland

Short answers with the numbers for Cleveland 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?

The typical home value in Cleveland is $102,000, 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?

Typical rent in Cleveland is $945 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?

Cleveland 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?

The typical homeowner in Cleveland pays $1,759 a year, according to the U.S. Census Bureau. That is 1.72% of the home’s value; in Cuyahoga County, the rate is 2%.

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

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).