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City · 31,924 residents · Cuyahoga County, Ohio

North Olmsted , Ohio

In North Olmsted, a typical home is worth $219,800 and typical rent is $1,141 a month. Compared with all of Cuyahoga County, typical household income is 31% higher, the typical home value is 12% higher, and the share of households that own their home is 20 points higher.

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  • Typical home value

    $219,800

    12% above the county

    2% above Ohio

    • North Olmsted
    • Cuyahoga
    • Ohio

  • Typical rent

    $1,141a month

    8% above the county

    10% above Ohio

    • North Olmsted
    • Cuyahoga
    • Ohio

  • Typical household income

    $84,363a year

    31% above the county

    18% above Ohio

    • North Olmsted
    • Cuyahoga
    • Ohio

  • Households that own their home

    79%

    20 points above the county

    12 points above Ohio

    • North Olmsted
    • Cuyahoga
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$273,122
4.6% more than 12 months ago
Typical rent
$1,847 a month
3.9% more than 12 months ago

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

North Olmsted 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 North Olmsted apart

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

  1. 79% of households in North Olmsted own their home, against 59% in Cuyahoga County.

  2. The typical household income in North Olmsted is $84,363, 31% more than in Cuyahoga County as a whole ($64,468).

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

The homes here

Housing in North Olmsted

What homes there are in North Olmsted, 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 North Olmsted, 7 in 10 homes are single-family detached houses; in Cuyahoga County, 6.

Year built

The typical home in North Olmsted was built in 1966, 9 years after the typical one in Cuyahoga County.

Homes in North Olmsted are bigger: 71% have 3 bedrooms or more; in Cuyahoga County, 57%.

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 99% of owner-occupied homes in North Olmsted are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,623 a month

Cuyahoga County: $1,570 a month

Without a mortgage

$716 a month

Cuyahoga County: $671 a month

Owners with a mortgage

62%

Cuyahoga County: 59%

The typical cost for an owner with a mortgage in North Olmsted is $1,623 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

From 2015–2019 to 2020–2024, the typical home value in North Olmsted rose 41%; in Cuyahoga County, it rose 47%.

Since 2015–2019, the typical rent in North Olmsted rose 27%, less than in Cuyahoga County (31%).

To compare: typical income in North Olmsted rose 31%; the home, +41%; the rent, +27%.

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

MeasureNorth OlmstedCuyahoga 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 2.332.202.372.53
Drive alone 74%70%75%69%
Carpool 5%7%8%9%
Public transit Unreliable estimate3%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 18%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 North Olmsted has 2.33 people, more than in Cuyahoga County (2.20).

In North Olmsted, 74% of workers drive alone to work; in Cuyahoga County, 70%.

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 North Olmsted?

A typical home is tight for the typical income

We start with a typical home in North Olmsted, worth $219,800, 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 North Olmsted, which is $84,363 a year. For that payment to be 28% of income, a household would need to earn about $87,941 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 North Olmsted. 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 $7,693 (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

$2,052

at 7.18% · 30 years

Loan amount
$215,819
Total interest
$310,513
Paid off in
November 2056

Includes $3,712 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,968 a month

  • Tight

    $1,968 to $2,531 a month

    Your payment · 29%

  • Hard

    more than $2,531 a month

Compared with the typical household income in North Olmsted ($84,363 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,052
Principal & interest$1,462
Property tax$401
Home insurance$92
FHA mortgage insurance (MIP)$97

You need at least $7,693 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

North Olmsted and Cuyahoga County

North Olmsted 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).

North Olmsted's own numbers

Typical home value
$219,800
Typical monthly rent
$1,141
Typical yearly household income
$84,363
Households that own their home
79%
Effective property tax rate
2.19%

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 North Olmsted

A typical home in North Olmsted is worth $219,800: 12% above the county and 2% above Ohio. With the typical household income in North Olmsted ($84,363 a year), a typical home costs 2.6 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.

  • North Olmsted 2.6 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

North Olmsted 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
  • North Olmsted $219,800
  • Cuyahoga $195,400
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • North Olmsted $1,141
  • Cuyahoga $1,060
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • North Olmsted $84,363
  • Cuyahoga $64,468
  • Ohio $71,389
  • United States $80,734
See the full table
North Olmsted next to Cuyahoga County and Ohio
Measure North Olmsted Cuyahoga County Ohio U.S.
Typical home value $219,800 $195,400 $214,800 $332,700
Typical monthly rent $1,141 $1,060 $1,034 $1,413
Typical yearly household income $84,363 $64,468 $71,389 $80,734
Households that own their home 79% 59% 67% 65%
Typical yearly property tax $4,824 $3,910 $2,822 $3,119
Effective property tax rate 2.19% 2% 1.31% 0.94%
Renters with high rent for their income 44% 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 North Olmsted

For a typical $219,800 home in North Olmsted, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Olmsted's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,052a month

    Least cash to close
    Down payment
    $7,693
    Cash to close
    $14,287
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $97

  • Conventional, 5% down $2,012a month

    Down payment
    $10,990
    Cash to close
    $17,584
    Rate
    7.18%
    Mortgage insurance
    PMI · $104

  • Conventional, 20% down, no PMI $1,684a month

    Down payment
    $43,960
    Cash to close
    $50,554
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,887a month

    Down payment
    $32,970
    Cash to close
    $39,564
    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 North Olmsted and for Cuyahoga County.

Property tax

Effective rate in North Olmsted

2.19%of the home’s value each year

$4,824 a year for the typical owner in North Olmsted.

  • North Olmsted 2.19%
  • 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 North Olmsted

Typical rent in North Olmsted is $1,141 a month: 8% above the county. In North Olmsted, 44% 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 North Olmsted

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). North Olmsted is in ZIP code 44070.

For 2 bedrooms it is $1,340: $66 more than the fair market rent for Cuyahoga County ($1,274).

  • 44070 $1,340$1,710

A ZIP code counts for North Olmsted 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 North Olmsted

HUD lists one building with rents for lower incomes in North Olmsted.

  • Apts at ST Richard 25595 Country Club Blvd, North Olmsted 44070 34 low-income homes · 1 bd: 26 · 2 bd: 8 · In service since 2013

See all 372 buildings in Cuyahoga County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in North Olmsted

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.

A man smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in North Olmsted

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

The HUD-approved agencies closest to the center of North Olmsted, 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 · 10 miles away

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

  • Spanish American Committee

    4407 Lorain Ave, Cleveland · 11 miles away · Spanish

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

  • El Centro de Servicios Sociales (OH)

    2800 Pearl Ave, Lorain · 11 miles away · Spanish

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

Every agency in Cuyahoga County All counseling agencies in Ohio

Help in Spanish near North Olmsted

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 North Olmsted

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

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about North Olmsted

Short answers with the numbers for North Olmsted 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 North Olmsted?

The typical home value in North Olmsted is $219,800, 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 North Olmsted?

Typical rent in North Olmsted is $1,141 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 North Olmsted?

North Olmsted 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 North Olmsted?

The typical homeowner in North Olmsted pays $4,824 a year, according to the U.S. Census Bureau. That is 2.19% of the home’s value; in Cuyahoga County, the rate is 2%.

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

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).