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City · 6,911 residents · Lake County, Ohio

Kirtland , Ohio

In Kirtland, a typical home is worth $391,300 and typical rent is $874 a month. Compared with all of Lake County, the typical home value is 83% higher, typical household income is 36% higher, and the share of households that own their home is 16 points higher.

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  • Typical home value

    $391,300

    83% above the county

    82% above Ohio

    • Kirtland
    • Lake
    • Ohio

  • Typical rent

    $874a month

    21% below the county

    15% below Ohio

    • Kirtland
    • Lake
    • Ohio

  • Typical household income

    $110,455a year

    36% above the county

    55% above Ohio

    • Kirtland
    • Lake
    • Ohio

  • Households that own their home

    91%

    16 points above the county

    24 points above Ohio

    • Kirtland
    • Lake
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$421,505
5.6% more than 12 months ago

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

Kirtland 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Kirtland apart

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

  1. The typical home in Kirtland is worth $391,300, 83% more than in Lake County as a whole ($214,100).

  2. Nearby, in Eastlake, the typical home value is $172,100: 56% less than in Kirtland ($391,300).

  3. Kirtland has the 13th highest homeownership rate of the 292 cities in Ohio with more than 5,000 people (91%).

  4. The typical household income in Kirtland is $110,455, 36% more than in Lake County as a whole ($80,925).

  5. The typical rent in Kirtland is $874 a month, 21% less than in Lake County as a whole ($1,113).

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

The homes here

Housing in Kirtland

What homes there are in Kirtland, 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 Kirtland, 9 in 10 homes are single-family detached houses; in Lake County, 7.

Year built

By age, homes in Kirtland look like those in Lake County: the typical year built is 1973.

There is more room for a big family here: 89% of homes have 3 bedrooms or more, against 70% in Lake 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
Monthly rent with utilities

With a mortgage

$2,100 a month

Lake County: $1,500 a month

Without a mortgage

$811 a month

Lake County: $635 a month

Owners with a mortgage

60%

Lake County: 62%

The typical cost for an owner with a mortgage in Kirtland is $2,100 a month, more than in Lake County ($1,500); without one, $811.

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 Kirtland rose 32% since 2015–2019, less than in Lake County (37%).

Since 2015–2019, the typical rent in Kirtland did not change clearly, according to the Census.

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

MeasureKirtlandLake CountyOhioUnited States
Rental vacancy Unreliable estimate3.3%4.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.0%1.5%3.4%
People per household 2.412.272.372.53
Drive alone 70%77%75%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 24%14%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Kirtland are bigger: 2.41 people on average; in Lake County, 2.27.

In Kirtland, 24% of workers work from home, more than in Lake County (14%).

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 Kirtland?

A typical home costs more than the typical income allows

We start with a typical home in Kirtland, worth $391,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 37% of the typical household income in Kirtland, which is $110,455 a year. For that payment to be 28% of income, a household would need to earn about $146,636 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Kirtland. 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 $13,696 (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

$3,422

at 7.18% · 30 years

Loan amount
$384,212
Total interest
$552,791
Paid off in
November 2056

Includes $6,608 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,577 a month

  • Tight

    $2,577 to $3,314 a month

  • Hard

    more than $3,314 a month

    Your payment · 37%

Compared with the typical household income in Kirtland ($110,455 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,422
Principal & interest$2,603
Property tax$483
Home insurance$163
FHA mortgage insurance (MIP)$173

You need at least $13,696 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

Kirtland and Lake County

Kirtland 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).

Kirtland's own numbers

Typical home value
$391,300
Typical monthly rent
$874
Typical yearly household income
$110,455
Households that own their home
91%
Effective property tax rate
1.48%

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.

Everything about Lake County

Buying

Buying a home in Kirtland

A typical home in Kirtland is worth $391,300: 83% above the county and 82% above Ohio. With the typical household income in Kirtland ($110,455 a year), a typical home costs 3.5 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.

  • Kirtland 3.5 years
  • Lake 2.6 years
  • Ohio 3.0 years
  • United States 4.1 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.

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

Kirtland 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
  • Kirtland $391,300
  • Lake $214,100
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Kirtland $874
  • Lake $1,113
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Kirtland $110,455
  • Lake $80,925
  • Ohio $71,389
  • United States $80,734
See the full table
Kirtland next to Lake County and Ohio
Measure Kirtland Lake County Ohio U.S.
Typical home value $391,300 $214,100 $214,800 $332,700
Typical monthly rent $874 $1,113 $1,034 $1,413
Typical yearly household income $110,455 $80,925 $71,389 $80,734
Households that own their home 91% 76% 67% 65%
Typical yearly property tax $5,807 $3,475 $2,822 $3,119
Effective property tax rate 1.48% 1.62% 1.31% 0.94%

“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 Kirtland

For a typical $391,300 home in Kirtland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kirtland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,422a month

    Least cash to close
    Down payment
    $13,696
    Cash to close
    $25,435
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $173

  • Conventional, 5% down $3,350a month

    Down payment
    $19,565
    Cash to close
    $31,304
    Rate
    7.18%
    Mortgage insurance
    PMI · $186

  • Conventional, 20% down, no PMI $2,766a month

    Down payment
    $78,260
    Cash to close
    $89,999
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,128a month

    Down payment
    $58,695
    Cash to close
    $70,434
    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 Kirtland and for Lake County.

Property tax

Effective rate in Kirtland

1.48%of the home’s value each year

$5,807 a year for the typical owner in Kirtland.

  • Kirtland 1.48%
  • Lake 1.62%
  • 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 Lake County

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

Homes in the high-risk zone
0.8%
756
Of those, with NFIP insurance
32%
County Ohio U.S.
Homes in the high-risk zone 0.8% 1.7% 3.5%
Of those, with NFIP insurance 32% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kirtland

Typical rent in Kirtland is $874 a month: 21% below the county.

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.

HUD fair market rent for all of Lake 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 Kirtland

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kirtland is in ZIP code 44094.

For 2 bedrooms it is $1,440: $166 more than the fair market rent for Lake County ($1,274).

  • 44094 $1,440$1,840

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

Free help

Help to buy or rent in Kirtland

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.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Kirtland

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

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

  • Fair Housing Resource Center

    1100 Mentor Ave, Painesville · 9 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 12 more
    (440) 392-0147

  • Home Repair Resource Center

    2520 Noble Rd, Cleveland Heights · 11 miles away

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

  • Breaking Chains Inc

    23300 Chagrin Blvd Ste 201, Beachwood · 13 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 1 more
    (216) 464-0699

Every agency in Lake County All counseling agencies in Ohio

Help in Spanish near Kirtland

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 Kirtland

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

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

Cities

Other cities in Lake County

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

Everything about Lake County Housing in Ohio

Nearby cities

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

Neighboring counties

If Lake 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 Kirtland.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Kirtland

Short answers with the numbers for Kirtland 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 Kirtland?

The typical home value in Kirtland is $391,300, 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 Kirtland?

Typical rent in Kirtland is $874 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 Kirtland?

Kirtland 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 Kirtland?

The typical homeowner in Kirtland pays $5,807 a year, according to the U.S. Census Bureau. That is 1.48% of the home’s value; in Lake County, the rate is 1.62%.

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

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.

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).