In Garfield Heights, a typical home is worth $109,900 and typical rent is $1,129 a month. Compared with all of Cuyahoga County, the typical home value is 44% lower and typical household income is 15% lower.
Typical home value from Zillow, September 2021 to September 2026: from $108,278 to $138,979.
Typical rent
$1,421a month
▲ 2.7% more than 12 months ago
Typical rent from Zillow, June 2022 to September 2026: from $1,057 to $1,421.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Garfield 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
What this place has that others do not, from public data, most unusual first.
1
The typical home in Garfield Heights is worth $109,900,44% less than in Cuyahoga County as a whole ($195,400).
2
Garfield Heights has the 13th largest share of rent-burdened renters of the 253 cities in Ohio with more than 5,000 people (61%).
3
The typical household income in Garfield Heights is $54,593,15% less than in Cuyahoga County as a whole ($64,468).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Garfield Heights
What homes there are in Garfield 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Garfield Heights
Cuyahoga County
Ohio
United States
Kind of home: Garfield Heights and its comparisons
Measure
Garfield Heights
Cuyahoga County
Ohio
United States
Detached house
74%
59%
69%
61%
Attached house
2%
6%
5%
6%
Building of 2 to 4
10%
10%
8%
8%
Apartments (5 or more)
13%
24%
15%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Garfield Heights, 7 in 10 homes are single-family detached houses; in Cuyahoga County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Garfield Heights
Cuyahoga County
Ohio
United States
Year built: Garfield Heights and its comparisons
Measure
Garfield Heights
Cuyahoga County
Ohio
United States
Before 1960
66%
56%
38%
26%
1960–1979
25%
25%
26%
24%
1980–1999
4%
12%
20%
25%
2000–2009
4%
4%
10%
14%
2010 or later
Unreliable estimate
4%
7%
11%
By age, homes in Garfield Heights look like those in Cuyahoga County: the typical year built is 1955.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K40%
$100K–$200K51%
$200K–$300K8%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Garfield Heights and its comparisons
Measure
Garfield Heights
Under $100K
40%
$100K–$200K
51%
$200K–$300K
8%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5005%
$500–$99933%
$1,000–$1,49952%
HUD fair market rent, 2 bedrooms: $1,274
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Garfield Heights and its comparisons
Measure
Garfield Heights
Under $500
5%
$500–$999
33%
$1,000–$1,499
52%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
About 66% of rented homes in Garfield Heights cost less than HUD's 2-bedroom fair market rent for Cuyahoga County ($1,274).
With a mortgage
$1,277 a month
Cuyahoga County: $1,570 a month
Without a mortgage
$568 a month
Cuyahoga County: $671 a month
Owners with a mortgage
58%
Cuyahoga County: 59%
The typical cost for an owner with a mortgage in Garfield Heights is $1,277 a month, less than in Cuyahoga County ($1,570); without one, $568.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Garfield Heights+51%
Cuyahoga County+47%
Ohio+47%
United States+53%
Typical rent
Garfield Heights+21%
Cuyahoga County+31%
Ohio+28%
United States+33%
Typical household income
Garfield Heights+24%
Cuyahoga County+28%
Ohio+26%
United States+29%
Change since 2015–2019: Garfield Heights and its comparisons
Measure
Garfield Heights
Cuyahoga County
Ohio
United States
Typical home value
+51%
+47%
+47%
+53%
Typical rent
+21%
+31%
+28%
+33%
Typical household income
+24%
+28%
+26%
+29%
The typical home value in Garfield Heights rose 51% since 2015–2019, more than in Cuyahoga County (47%).
Since 2015–2019, the typical rent in Garfield Heights rose 21%, less than in Cuyahoga County (31%).
While home values in Garfield Heights changed +51% and rent +21%, the typical household income rose 24%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Garfield Heights and its comparisons
Measure
Garfield Heights
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
2.40
2.20
2.37
2.53
Drive alone
77%
70%
75%
69%
Carpool
9%
7%
8%
9%
Public transit
Unreliable estimate
3%
1%
3%
Walk or bike
2%
3%
2%
3%
Work from home
9%
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
On average, a household in Garfield Heights has 2.40 people, more than in Cuyahoga County (2.20).
The car rules in Garfield Heights: 77% 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 Garfield Heights?
A typical home is within reach of the typical income
We start with a typical home in Garfield Heights, worth $109,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Garfield Heights, which is $54,593 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 Garfield Heights. 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 $3,847 (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
$1,068
at 7.18% · 30 years
Loan amount
$107,909
Total interest
$155,256
Paid off in
November 2056
Includes $1,856 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,274 a month
Your payment · 23%
Tight
$1,274 to $1,638 a month
Hard
more than $1,638 a month
Compared with the typical household income in Garfield Heights ($54,593 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$731
Property tax
$243
Home insurance
$46
FHA mortgage insurance (MIP)
$49
You need at least $3,847 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 $1,068; principal and interest $731.
The city and its county
Garfield Heights and Cuyahoga County
Garfield 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).
Garfield Heights
Map of Cuyahoga County, Ohio, with Garfield Heights marked. Around it, the neighboring counties.
Garfield Heights
Cuyahoga County
Other cities with a page
Garfield Heights's own numbers
Typical home value
$109,900
Typical monthly rent
$1,129
Typical yearly household income
$54,593
Households that own their home
59%
Effective property tax rate
2.65%
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 Garfield Heights is worth $109,900: 44% below the county and 49% below Ohio. With the typical household income in Garfield Heights ($54,593 a year), a typical home costs 2.0 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.
Garfield Heights2.0 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
Garfield 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
Garfield Heights$109,900
Cuyahoga$195,400
Ohio$214,800
United States$332,700
Typical monthly rent
Garfield Heights$1,129
Cuyahoga$1,060
Ohio$1,034
United States$1,413
Typical yearly household income
Garfield Heights$54,593
Cuyahoga$64,468
Ohio$71,389
United States$80,734
See the full table
Garfield Heights next to Cuyahoga County and Ohio
Measure
Garfield Heights
Cuyahoga County
Ohio
U.S.
Typical home value
$109,900 ▼44% below the county
$195,400
$214,800
$332,700
Typical monthly rent
$1,129 ▲7% above the county
$1,060
$1,034
$1,413
Typical yearly household income
$54,593 ▼15% below the county
$64,468
$71,389
$80,734
Households that own their home
59% ▼1 points below the county
59%
67%
65%
Typical yearly property tax
$2,912 ▼26% below the county
$3,910
$2,822
$3,119
Effective property tax rate
2.65% ▲0.65 points above the county
2%
1.31%
0.94%
Renters with high rent for their income
61% ▲13 points above 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 Garfield Heights
For a typical $109,900 home in Garfield Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Garfield Heights's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,068a month
Least cash to close
Down payment
$3,847
Cash to close
$7,144
Rate
7.18%
Mortgage insurance
FHA MIP · $49
Conventional, 5% down$1,048a month
Down payment
$5,495
Cash to close
$8,792
Rate
7.18%
Mortgage insurance
PMI · $52
Conventional, 20% down, no PMI$884a month
Down payment
$21,980
Cash to close
$25,277
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$986a month
Down payment
$16,485
Cash to close
$19,782
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Garfield Heights
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,068
$3,847
$107,909
7.18%
FHA MIP · $49
$7,144
580
Conventional, 5% down
$1,048
$5,495
$104,405
7.18%
PMI · $52
$8,792
620*
Conventional, 20% down, no PMI
$884
$21,980
$87,920
7.18%
None
$25,277
620*
ITIN, 15% down (example)
$986
$16,485
$93,415
8.18%
None
$19,782
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 Garfield Heights is $1,129 a month: 7% above the county. In Garfield Heights, 61% 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 Garfield Heights
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Garfield Heights is in ZIP code 44125.
For 2 bedrooms it is $1,370: $96 more than the fair market rent for Cuyahoga County ($1,274).
Fair market rent by ZIP code and size in Garfield Heights, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
44125
$990
$1,130
$1,370
$1,750
$1,890
ZIP code2 bd3 bd
44125 $1,370$1,750
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Garfield 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 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 Garfield Heights or Cuyahoga County. The ones below are statewide in Ohio: they work in Garfield Heights 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).
The HUD-approved agencies closest to the center of Garfield Heights, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Garfield Heights 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 Garfield 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 Garfield Heights?
The typical home value in Garfield Heights is $109,900, 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 Garfield Heights?
Typical rent in Garfield Heights is $1,129 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 Garfield Heights?
Garfield 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 Garfield Heights?
The typical homeowner in Garfield Heights pays $2,912 a year, according to the U.S. Census Bureau. That is 2.65% of the home’s value; in Cuyahoga County, the rate is 2%.
Where can I find free help to buy or rent in Garfield 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.
