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City · 15,786 residents · Cuyahoga County, Ohio

Middleburg Heights , Ohio

In Middleburg Heights, a typical home is worth $228,400 and typical rent is $1,079 a month. Compared with all of Cuyahoga County, typical household income is 22% higher, the typical home value is 17% higher, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $228,400

    17% above the county

    6% above Ohio

    • Middleburg Heights
    • Cuyahoga
    • Ohio

  • Typical rent

    $1,079a month

    About the same as the county

    4% above Ohio

    • Middleburg Heights
    • Cuyahoga
    • Ohio

  • Typical household income

    $78,815a year

    22% above the county

    10% above Ohio

    • Middleburg Heights
    • Cuyahoga
    • Ohio

  • Households that own their home

    70%

    11 points above the county

    3 points above Ohio

    • Middleburg Heights
    • Cuyahoga
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$277,781
4.3% more than 12 months ago

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

Middleburg 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Middleburg Heights apart

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

  1. Nearby, in Brook Park, the typical home value is $169,600: 26% less than in Middleburg Heights ($228,400).

  2. The typical household income in Middleburg Heights is $78,815, 22% more than in Cuyahoga County as a whole ($64,468).

  3. The typical home in Middleburg Heights is worth $228,400, 17% more than in Cuyahoga County as a whole ($195,400).

  4. 70% of households in Middleburg Heights own their home, against 59% in Cuyahoga County.

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

The homes here

Housing in Middleburg Heights

What homes there are in Middleburg 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

In Middleburg Heights, 6 in 10 homes are single-family detached houses, about the same as in Cuyahoga County.

Year built

The typical home in Middleburg Heights was built in 1969, 12 years after the typical one in Cuyahoga County.

In Middleburg Heights, 60% of homes have 3 bedrooms or more, about the same as 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

The FHA limit for Cuyahoga County is high ($541,287): at least 98% of owner-occupied homes in Middleburg Heights are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,619 a month

Cuyahoga County: $1,570 a month

Without a mortgage

$716 a month

Cuyahoga County: $671 a month

Owners with a mortgage

57%

Cuyahoga County: 59%

The typical cost for an owner with a mortgage in Middleburg Heights is $1,619 a month, near the figure in Cuyahoga County ($1,570).

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 Middleburg Heights rose 41% since 2015–2019, less than in Cuyahoga County (47%).

The typical rent in Middleburg Heights rose 19% over the same time; in Cuyahoga County, it rose 31%.

While home values in Middleburg Heights changed +41% and rent +19%, 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

MeasureMiddleburg HeightsCuyahoga CountyOhioUnited States
Rental vacancy Unreliable estimate5.3%4.4%5.5%
Homeowner vacancy Unreliable estimate1.0%0.8%0.9%
More than one person per room Unreliable estimate1.2%1.5%3.4%
People per household 2.042.202.372.53
Drive alone 80%70%75%69%
Carpool 4%7%8%9%
Public transit Unreliable estimate3%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 12%16%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Middleburg Heights has 2.04 people, fewer than in Cuyahoga County (2.20).

The car rules in Middleburg Heights: 80% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Middleburg Heights?

A typical home is tight for the typical income

We start with a typical home in Middleburg Heights, worth $228,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Middleburg Heights, which is $78,815 a year. For that payment to be 28% of income, a household would need to earn about $88,690 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 Middleburg Heights. 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 $7,994 (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

$2,069

at 7.18% · 30 years

Loan amount
$224,263
Total interest
$322,662
Paid off in
November 2056

Includes $3,857 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,839 a month

  • Tight

    $1,839 to $2,364 a month

    Your payment · 32%

  • Hard

    more than $2,364 a month

Compared with the typical household income in Middleburg Heights ($78,815 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,069
Principal & interest$1,519
Property tax$354
Home insurance$95
FHA mortgage insurance (MIP)$101

You need at least $7,994 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

Middleburg Heights and Cuyahoga County

Middleburg 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).

Middleburg Heights's own numbers

Typical home value
$228,400
Typical monthly rent
$1,079
Typical yearly household income
$78,815
Households that own their home
70%
Effective property tax rate
1.86%

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 Middleburg Heights

A typical home in Middleburg Heights is worth $228,400: 17% above the county and 6% above Ohio. With the typical household income in Middleburg Heights ($78,815 a year), a typical home costs 2.9 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.

  • Middleburg Heights 2.9 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

Middleburg 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
  • Middleburg Heights $228,400
  • Cuyahoga $195,400
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Middleburg Heights $1,079
  • Cuyahoga $1,060
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Middleburg Heights $78,815
  • Cuyahoga $64,468
  • Ohio $71,389
  • United States $80,734
See the full table
Middleburg Heights next to Cuyahoga County and Ohio
Measure Middleburg Heights Cuyahoga County Ohio U.S.
Typical home value $228,400 $195,400 $214,800 $332,700
Typical monthly rent $1,079 $1,060 $1,034 $1,413
Typical yearly household income $78,815 $64,468 $71,389 $80,734
Households that own their home 70% 59% 67% 65%
Typical yearly property tax $4,252 $3,910 $2,822 $3,119
Effective property tax rate 1.86% 2% 1.31% 0.94%
Renters with high rent for their income 36% 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 Middleburg Heights

For a typical $228,400 home in Middleburg Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Middleburg Heights's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,069a month

    Least cash to close
    Down payment
    $7,994
    Cash to close
    $14,846
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $101

  • Conventional, 5% down $2,028a month

    Down payment
    $11,420
    Cash to close
    $18,272
    Rate
    7.18%
    Mortgage insurance
    PMI · $108

  • Conventional, 20% down, no PMI $1,687a month

    Down payment
    $45,680
    Cash to close
    $52,532
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,898a month

    Down payment
    $34,260
    Cash to close
    $41,112
    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 Middleburg Heights and for Cuyahoga County.

Property tax

Effective rate in Middleburg Heights

1.86%of the home’s value each year

$4,252 a year for the typical owner in Middleburg Heights.

  • Middleburg Heights 1.86%
  • 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 Middleburg Heights

Typical rent in Middleburg Heights is $1,079 a month: about the same as the county. In Middleburg Heights, 36% 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 Middleburg Heights

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Middleburg Heights is in ZIP code 44130.

For 2 bedrooms it is $1,380: $106 more than the fair market rent for Cuyahoga County ($1,274).

  • 44130 $1,380$1,760

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

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Middleburg Heights

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

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

  • Spanish American Committee

    4407 Lorain Ave, Cleveland · 9 miles away · Spanish

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

  • CHN Housing Partners

    3711 Chester Ave, Cleveland · 12 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 · 12 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 Middleburg Heights

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 Middleburg Heights

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

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

Questions

Housing questions about Middleburg Heights

Short answers with the numbers for Middleburg 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 Middleburg Heights?

The typical home value in Middleburg Heights is $228,400, 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 Middleburg Heights?

Typical rent in Middleburg Heights is $1,079 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 Middleburg Heights?

Middleburg 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 Middleburg Heights?

The typical homeowner in Middleburg Heights pays $4,252 a year, according to the U.S. Census Bureau. That is 1.86% of the home’s value; in Cuyahoga County, the rate is 2%.

Where can I find free help to buy or rent in Middleburg 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.

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).