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City · 53,035 residents · Lorain County, Ohio

Elyria , Ohio

In Elyria, a typical home is worth $156,100 and typical rent is $906 a month. Compared with all of Lorain County, the typical home value is 30% lower, typical household income is 25% lower, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $156,100

    30% below the county

    27% below Ohio

    • Elyria
    • Lorain
    • Ohio

  • Typical rent

    $906a month

    6% below the county

    12% below Ohio

    • Elyria
    • Lorain
    • Ohio

  • Typical household income

    $54,945a year

    25% below the county

    23% below Ohio

    • Elyria
    • Lorain
    • Ohio

  • Households that own their home

    60%

    14 points below the county

    7 points below Ohio

    • Elyria
    • Lorain
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$186,585
4.7% more than 12 months ago
Typical rent
$1,176 a month
6.9% more than 12 months ago

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

Elyria is in Lorain 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 Lorain County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Elyria apart

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

  1. The typical home in Elyria is worth $156,100, 30% less than in Lorain County as a whole ($223,200).

  2. 60% of households in Elyria own their home, against 74% in Lorain County.

  3. The typical household income in Elyria is $54,945, 25% less than in Lorain County as a whole ($73,347).

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

The homes here

Housing in Elyria

What homes there are in Elyria, 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

The detached house is still the most common home in Elyria, but it weighs less than in Lorain County: 64% against 76%.

There are more mobile homes here than in Lorain County: 5% of homes, against 2%.

Year built

Homes in Elyria are older: the typical year built is 1967; in Lorain County, 1973.

In Elyria, 13% of homes have 1 bedroom or none (studios); 60% have 3 bedrooms or more, against 71% in Lorain 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

At least 99% of owner-occupied homes in Elyria are worth less than $500,000, below the FHA loan limit for Lorain County ($541,287).

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Lorain County is $1,274; about 78% of rents in Elyria are below it.

With a mortgage

$1,234 a month

Lorain County: $1,525 a month

Without a mortgage

$562 a month

Lorain County: $629 a month

Owners with a mortgage

62%

Lorain County: 62%

The typical cost for an owner with a mortgage in Elyria is $1,234 a month, less than in Lorain County ($1,525); without one, $562.

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 Elyria rose 58% since 2015–2019, more than in Lorain County (48%).

Much as in Lorain County, the typical rent in Elyria rose 22% since 2015–2019.

While home values in Elyria changed +58% and rent +22%, the typical household income rose 24%.

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

MeasureElyriaLorain CountyOhioUnited States
Rental vacancy 10.3%7.5%4.4%5.5%
Homeowner vacancy 2.0%0.7%0.8%0.9%
More than one person per room 2.0%1.3%1.5%3.4%
People per household 2.282.422.372.53
Drive alone 81%78%75%69%
Carpool 11%8%8%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 7%12%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Elyria is 10.3%, higher than in Lorain County (7.5%).

Much as in Lorain County, 2.0% of households in Elyria have more than one person per room.

Households in Elyria are smaller: 2.28 people on average; in Lorain County, 2.42.

More people carpool to work in Elyria than in Lorain County: 11% against 8%.

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 Elyria?

A typical home is tight for the typical income

We start with a typical home in Elyria, worth $156,100, 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 Elyria, which is $54,945 a year. For that payment to be 28% of income, a household would need to earn about $57,828 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Elyria. 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 $5,464 (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

$1,349

at 7.18% · 30 years

Loan amount
$153,272
Total interest
$220,523
Paid off in
November 2056

Includes $2,636 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,282 a month

  • Tight

    $1,282 to $1,648 a month

    Your payment · 29%

  • Hard

    more than $1,648 a month

Compared with the typical household income in Elyria ($54,945 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,349
Principal & interest$1,038
Property tax$177
Home insurance$65
FHA mortgage insurance (MIP)$69

You need at least $5,464 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

Elyria and Lorain County

Elyria is in Lorain 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).

Elyria's own numbers

Typical home value
$156,100
Typical monthly rent
$906
Typical yearly household income
$54,945
Households that own their home
60%
Effective property tax rate
1.36%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Lorain 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)
+56%
Homes in a high flood-risk zone
1.1%

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 Lorain County.

Everything about Lorain County

Buying

Buying a home in Elyria

A typical home in Elyria is worth $156,100: 30% below the county and 27% below Ohio. With the typical household income in Elyria ($54,945 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.

  • Elyria 2.8 years
  • Lorain 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 Lorain County

According to FHFA’s house price index, home prices in Lorain County rose 92% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Lorain County.

Period County Ohio U.S.
Last year (2025) +5.6% +4.8% +2.9%
5 years (2020–2025) +56% +53% +47%
10 years (2015–2025) +92% +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

Elyria next to Lorain 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
  • Elyria $156,100
  • Lorain $223,200
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Elyria $906
  • Lorain $966
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Elyria $54,945
  • Lorain $73,347
  • Ohio $71,389
  • United States $80,734
See the full table
Elyria next to Lorain County and Ohio
Measure Elyria Lorain County Ohio U.S.
Typical home value $156,100 $223,200 $214,800 $332,700
Typical monthly rent $906 $966 $1,034 $1,413
Typical yearly household income $54,945 $73,347 $71,389 $80,734
Households that own their home 60% 74% 67% 65%
Typical yearly property tax $2,127 $3,055 $2,822 $3,119
Effective property tax rate 1.36% 1.37% 1.31% 0.94%
Renters with high rent for their income 45% 47% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lorain 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 Elyria

For a typical $156,100 home in Elyria, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Elyria's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,349a month

    Least cash to close
    Down payment
    $5,464
    Cash to close
    $10,147
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $69

  • Conventional, 5% down $1,321a month

    Down payment
    $7,805
    Cash to close
    $12,488
    Rate
    7.18%
    Mortgage insurance
    PMI · $74

  • Conventional, 20% down, no PMI $1,088a month

    Down payment
    $31,220
    Cash to close
    $35,903
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,232a month

    Down payment
    $23,415
    Cash to close
    $28,098
    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 Elyria and for Lorain County.

Property tax

Effective rate in Elyria

1.36%of the home’s value each year

$2,127 a year for the typical owner in Elyria.

  • Elyria 1.36%
  • Lorain 1.37%
  • 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 Lorain County

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

Homes in the high-risk zone
1.1%
1,264
Of those, with NFIP insurance
30%
County Ohio U.S.
Homes in the high-risk zone 1.1% 1.7% 3.5%
Of those, with NFIP insurance 30% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Elyria

Typical rent in Elyria is $906 a month: 6% below the county. In Elyria, 45% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lorain 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 Lorain 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 Elyria

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Elyria is in ZIP code 44035.

For 2 bedrooms it is $1,150: $124 less than the fair market rent for Lorain County ($1,274).

  • 44035 $1,150$1,470

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Elyria 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 Elyria

HUD lists 16 buildings with rents for lower incomes in Elyria. These are the largest.

  • Westway Gardens 1182 Garden St, Elyria 44035 300 low-income homes · For families (440) 322-4881
  • Westway Gardens Apts 1013 Garden St, Elyria 44035 300 low-income homes · 2 bd: 202 · 3 bd: 98 · In service since 2010
  • Wilkes-Villa 310 East Ave, Elyria 44035 200 homes, 199 low-income · Run by Lorain Metropolitan Housing Authority · Average payment: $265 a month · Average wait: 17 months (440) 288-1600
  • Kensington Square Apts 535 Abbe Rd S, Elyria 44035 192 homes, 190 low-income · 1 bd: 36 · 2 bd: 156 · In service since 2009 · For families
  • Wilkes Villa 104 Louden Ct, Elyria 44035 174 low-income homes · For families (440) 242-1169

See all 49 buildings in Lorain County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Elyria

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 4 HUD-approved agencies with an office in Lorain County; 2 say they serve in Spanish.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Elyria

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

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

  • Lorain County Urban League

    200 Middle Ave, Elyria · 1 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 1 more
    (440) 323-3364

  • El Centro de Servicios Sociales (OH)

    2800 Pearl Ave, Lorain · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Home improvement and repairs
    • and 3 more
    (440) 277-8235

  • El Centro de Servicios Sociales, Inc

    2800 Pearl Ave, Lorain · 5 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (440) 277-8235

Every agency in Lorain County All counseling agencies in Ohio

Help in Spanish near Elyria

1 of the 3 agencies on this list says it serves 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 Elyria

In HUD’s record, no housing authority with an office in Lorain County is named for Elyria or Lorain County.

One other authority has an office in Lorain County: see the list Source: HUD

Cities

Other cities in Lorain County

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

Everything about Lorain County Housing in Ohio

Nearby cities

The cities closest to Elyria, with the typical home value.

Neighboring counties

If Lorain 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 Elyria.

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

Questions

Housing questions about Elyria

Short answers with the numbers for Elyria and all of Lorain 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 Elyria?

The typical home value in Elyria is $156,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lorain County it is $223,200.

How much does it cost to rent in Elyria?

Typical rent in Elyria is $906 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lorain County is $1,274.

What is the FHA loan limit in Elyria?

Elyria uses the FHA limit for all of Lorain 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 Elyria?

The typical homeowner in Elyria pays $2,127 a year, according to the U.S. Census Bureau. That is 1.36% of the home’s value; in Lorain County, the rate is 1.37%.

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

There are 4 HUD-approved counseling agencies with an office in Lorain County. 2 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).