In Eastlake, a typical home is worth $172,100 and typical rent is $973 a month. Compared with all of Lake County, typical household income is 23% lower and the typical home value is 20% lower.
Typical home value from Zillow, September 2021 to September 2026: from $160,227 to $209,007.
Typical rent
$1,206a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Eastlake is in Lake 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 Lake County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical household income in Eastlake is $62,072,23% less than in Lake County as a whole ($80,925).
2
The typical home in Eastlake is worth $172,100,20% less than in Lake County as a whole ($214,100).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Eastlake
What homes there are in Eastlake, 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
Eastlake
Lake County
Ohio
United States
Kind of home: Eastlake and its comparisons
Measure
Eastlake
Lake County
Ohio
United States
Detached house
80%
72%
69%
61%
Attached house
2%
7%
5%
6%
Building of 2 to 4
Unreliable estimate
4%
8%
8%
Apartments (5 or more)
17%
16%
15%
19%
Mobile home
Unreliable estimate
2%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Eastlake, 8 in 10 homes are single-family detached houses; in Lake County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Eastlake
Lake County
Ohio
United States
Year built: Eastlake and its comparisons
Measure
Eastlake
Lake County
Ohio
United States
Before 1960
36%
32%
38%
26%
1960–1979
46%
31%
26%
24%
1980–1999
15%
22%
20%
25%
2000–2009
Unreliable estimate
9%
10%
14%
2010 or later
Unreliable estimate
6%
7%
11%
The typical home in Eastlake was built in 1965, 7 years before the typical one in Lake County.
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 $100K10%
$100K–$200K53%
$200K–$300K28%
$300K–$500K9%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Eastlake and its comparisons
Measure
Eastlake
Under $100K
10%
$100K–$200K
53%
$200K–$300K
28%
$300K–$500K
9%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
At least 100% of owner-occupied homes in Eastlake are worth less than $500,000, below the FHA loan limit for Lake County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99953%
$1,000–$1,49935%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Eastlake and its comparisons
Measure
Eastlake
Under $500
Unreliable estimate
$500–$999
53%
$1,000–$1,499
35%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,335 a month
Lake County: $1,500 a month
Without a mortgage
$540 a month
Lake County: $635 a month
Owners with a mortgage
66%
Lake County: 62%
In Eastlake, 66% of owners have a mortgage, and their typical cost is $1,335 a month, against $1,500 in Lake County. Without one it drops to $540.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Eastlake+29%
Lake County+37%
Ohio+47%
United States+53%
Typical rent
Eastlake+12%
Lake County+24%
Ohio+28%
United States+33%
Typical household income
EastlakeNo clear change
Lake County+26%
Ohio+26%
United States+29%
Change since 2015–2019: Eastlake and its comparisons
Measure
Eastlake
Lake County
Ohio
United States
Typical home value
+29%
+37%
+47%
+53%
Typical rent
+12%
+24%
+28%
+33%
Typical household income
No clear change
+26%
+26%
+29%
The typical home value in Eastlake rose 29% since 2015–2019, less than in Lake County (37%).
Since 2015–2019, the typical rent in Eastlake rose 12%, less than in Lake County (24%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Eastlake and its comparisons
Measure
Eastlake
Lake County
Ohio
United States
Rental vacancy
Unreliable estimate
3.3%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.8%
0.9%
More than one person per room
Unreliable estimate
1.0%
1.5%
3.4%
People per household
2.10
2.27
2.37
2.53
Drive alone
82%
77%
75%
69%
Carpool
7%
7%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
10%
14%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Fewer people live in each home here: 2.10 on average, against 2.27 in Lake County.
In Eastlake, 82% of workers drive alone to work; in Lake County, 77%.
Do the math
What would you pay each month for a home in Eastlake?
A typical home is tight for the typical income
We start with a typical home in Eastlake, worth $172,100, 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 Eastlake, which is $62,072 a year. For that payment to be 28% of income, a household would need to earn about $65,599 a year.
The calculator's FHA and conventional loan limits are those of all of Lake 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 Eastlake. 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 $6,024 (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
$1,531
at 7.18% · 30 years
Loan amount
$168,982
Total interest
$243,126
Paid off in
November 2056
Includes $2,906 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,448 a month
Tight
$1,448 to $1,862 a month
Your payment · 30%
Hard
more than $1,862 a month
Compared with the typical household income in Eastlake ($62,072 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,145
Property tax
$238
Home insurance
$72
FHA mortgage insurance (MIP)
$76
You need at least $6,024 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 $1,531; principal and interest $1,145.
The city and its county
Eastlake and Lake County
Eastlake is in Lake 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).
Eastlake
Map of Lake County, Ohio, with Eastlake marked. Around it, the neighboring counties.
Eastlake
Lake County
Other cities with a page
Eastlake's own numbers
Typical home value
$172,100
Typical monthly rent
$973
Typical yearly household income
$62,072
Households that own their home
74%
Effective property tax rate
1.66%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lake 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)
+47%
Homes in a high flood-risk zone
0.8%
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 Lake County.
A typical home in Eastlake is worth $172,100: 20% below the county and 20% below Ohio. With the typical household income in Eastlake ($62,072 a year), a typical home costs 2.8 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.
Eastlake2.8 years
Lake2.6 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lake County
According to FHFA’s house price index, home prices in Lake County rose 77% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lake County.
Yearly change in FHFA’s price index in Lake County, 2016 to 2025
2016: +3.0% +3.0% 2016
2017: +2.7% +2.7% 2017
2018: +4.1% +4.1% 2018
2019: +4.4% +4.4% 2019
2020: +4.5% +4.5% 2020
2021: +9.7% +9.7% 2021
2022: +10.6% +10.6% 2022
2023: +7.0% +7.0% 2023
2024: +8.1% +8.1% 2024
2025: +4.9% +4.9% 2025
Change in FHFA’s price index in Lake County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+4.9%
+4.8%
+2.9%
5 years (2020–2025)
+47%
+53%
+47%
10 years (2015–2025)
+77%
+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
Eastlake next to Lake 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
Eastlake$172,100
Lake$214,100
Ohio$214,800
United States$332,700
Typical monthly rent
Eastlake$973
Lake$1,113
Ohio$1,034
United States$1,413
Typical yearly household income
Eastlake$62,072
Lake$80,925
Ohio$71,389
United States$80,734
See the full table
Eastlake next to Lake County and Ohio
Measure
Eastlake
Lake County
Ohio
U.S.
Typical home value
$172,100 ▼20% below the county
$214,100
$214,800
$332,700
Typical monthly rent
$973 ▼13% below the county
$1,113
$1,034
$1,413
Typical yearly household income
$62,072 ▼23% below the county
$80,925
$71,389
$80,734
Households that own their home
74% ▼1 points below the county
76%
67%
65%
Typical yearly property tax
$2,852 ▼18% below the county
$3,475
$2,822
$3,119
Effective property tax rate
1.66% ▲0.04 points above the county
1.62%
1.31%
0.94%
Renters with high rent for their income
56% ▲10 points above the county
45%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lake 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 Eastlake
For a typical $172,100 home in Eastlake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Eastlake's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,531a month
Least cash to close
Down payment
$6,024
Cash to close
$11,187
Rate
7.18%
Mortgage insurance
FHA MIP · $76
Conventional, 5% down$1,499a month
Down payment
$8,605
Cash to close
$13,768
Rate
7.18%
Mortgage insurance
PMI · $82
Conventional, 20% down, no PMI$1,242a month
Down payment
$34,420
Cash to close
$39,583
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,402a month
Down payment
$25,815
Cash to close
$30,978
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Eastlake
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,531
$6,024
$168,983
7.18%
FHA MIP · $76
$11,187
580
Conventional, 5% down
$1,499
$8,605
$163,495
7.18%
PMI · $82
$13,768
620*
Conventional, 20% down, no PMI
$1,242
$34,420
$137,680
7.18%
None
$39,583
620*
ITIN, 15% down (example)
$1,402
$25,815
$146,285
8.18%
None
$30,978
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 Eastlake is $973 a month: 13% below the county. In Eastlake, 56% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Lake 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 Lake 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 Eastlake
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Eastlake is in ZIP code 44095.
For 2 bedrooms it is $1,200: $74 less than the fair market rent for Lake County ($1,274).
Fair market rent by ZIP code and size in Eastlake, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
44095
$870
$990
$1,200
$1,530
$1,650
ZIP code2 bd3 bd
44095 $1,200$1,530
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Eastlake 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 is 1 HUD-approved agency with an office in Lake County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Eastlake or Lake County. The ones below are statewide in Ohio: they work in Eastlake 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 Eastlake or Lake 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 Eastlake and all of Lake 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 Eastlake?
The typical home value in Eastlake is $172,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lake County it is $214,100.
How much does it cost to rent in Eastlake?
Typical rent in Eastlake is $973 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lake County is $1,274.
What is the FHA loan limit in Eastlake?
Eastlake uses the FHA limit for all of Lake 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 Eastlake?
The typical homeowner in Eastlake pays $2,852 a year, according to the U.S. Census Bureau. That is 1.66% of the home’s value; in Lake County, the rate is 1.62%.
Where can I find free help to buy or rent in Eastlake?
There is 1 HUD-approved counseling agency with an office in Lake County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
