In North Ridgeville, a typical home is worth $270,100 and typical rent is $1,116 a month. Compared with all of Lorain County, typical household income is 32% higher, the typical home value is 21% higher, and the share of households that own their home is 16 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $251,942 to $333,017.
Typical rent
$2,110a month
Typical rent from Zillow, March 2026 to September 2026: from $2,098 to $2,110.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
North Ridgeville 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
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Elyria, the typical home value is $156,100: 42% less than in North Ridgeville ($270,100).
2
90% of households in North Ridgeville own their home, against 74% in Lorain County.
3
The typical household income in North Ridgeville is $96,698,32% more than in Lorain County as a whole ($73,347).
4
Nearby, in Elyria, the typical rent is $906: 19% less than in North Ridgeville ($1,116).
5
The typical home in North Ridgeville is worth $270,100,21% more than in Lorain County as a whole ($223,200).
6
The typical rent in North Ridgeville is $1,116 a month, 16% more than in Lorain County as a whole ($966).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in North Ridgeville
What homes there are in North Ridgeville, 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
North Ridgeville
Lorain County
Ohio
United States
Kind of home: North Ridgeville and its comparisons
Measure
North Ridgeville
Lorain County
Ohio
United States
Detached house
86%
76%
69%
61%
Attached house
5%
6%
5%
6%
Building of 2 to 4
Unreliable estimate
5%
8%
8%
Apartments (5 or more)
5%
11%
15%
19%
Mobile home
3%
2%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in North Ridgeville: 86% of homes, more than in Lorain County (76%).
Year built
Before 19601960–19791980–19992000–20092010 or later
North Ridgeville
Lorain County
Ohio
United States
Year built: North Ridgeville and its comparisons
Measure
North Ridgeville
Lorain County
Ohio
United States
Before 1960
10%
33%
38%
26%
1960–1979
29%
27%
26%
24%
1980–1999
17%
18%
20%
25%
2000–2009
24%
13%
10%
14%
2010 or later
20%
9%
7%
11%
Homes in North Ridgeville are newer: the typical year built is 1995; in Lorain County, 1973.
There is more room for a big family here: 80% of homes have 3 bedrooms or more, against 71% in Lorain County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K5%
$100K–$200K21%
$200K–$300K36%
$300K–$500K35%
$500K–$750K2%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: North Ridgeville and its comparisons
Measure
North Ridgeville
Under $100K
5%
$100K–$200K
21%
$200K–$300K
36%
$300K–$500K
35%
$500K–$750K
2%
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
By price, most homes in North Ridgeville sit under the FHA limit for Lorain County ($541,287): about 97%.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99942%
$1,000–$1,49916%
$1,500–$1,99925%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: North Ridgeville and its comparisons
Measure
North Ridgeville
Under $500
Unreliable estimate
$500–$999
42%
$1,000–$1,499
16%
$1,500–$1,999
25%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,665 a month
Lorain County: $1,525 a month
Without a mortgage
$683 a month
Lorain County: $629 a month
Owners with a mortgage
67%
Lorain County: 62%
Owning costs more in North Ridgeville: with a mortgage, the typical cost is $1,665 a month; in Lorain County, $1,525. Without one, $683.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
North Ridgeville+48%
Lorain County+48%
Ohio+47%
United States+53%
Typical rent
North RidgevilleNo clear change
Lorain County+25%
Ohio+28%
United States+33%
Typical household income
North Ridgeville+25%
Lorain County+26%
Ohio+26%
United States+29%
Change since 2015–2019: North Ridgeville and its comparisons
Measure
North Ridgeville
Lorain County
Ohio
United States
Typical home value
+48%
+48%
+47%
+53%
Typical rent
No clear change
+25%
+28%
+33%
Typical household income
+25%
+26%
+26%
+29%
From 2015–2019 to 2020–2024, home values in North Ridgeville rose at about the same pace as in Lorain County: 48% against 48%.
Rent in North Ridgeville moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: North Ridgeville and its comparisons
Measure
North Ridgeville
Lorain County
Ohio
United States
Rental vacancy
Unreliable estimate
7.5%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.3%
1.5%
3.4%
People per household
2.58
2.42
2.37
2.53
Drive alone
76%
78%
75%
69%
Carpool
6%
8%
8%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
15%
12%
13%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.58 on average, against 2.42 in Lorain County.
In North Ridgeville, 15% of workers work from home, more than in Lorain County (12%).
Do the math
What would you pay each month for a home in North Ridgeville?
A typical home is tight for the typical income
We start with a typical home in North Ridgeville, worth $270,100, 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 North Ridgeville, which is $96,698 a year. For that payment to be 28% of income, a household would need to earn about $100,735 a year.
The calculator's FHA and conventional loan limits are those of all of Lorain 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 North Ridgeville. 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 $9,454 (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
$2,350
at 7.18% · 30 years
Loan amount
$265,207
Total interest
$381,571
Paid off in
November 2056
Includes $4,561 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,256 a month
Tight
$2,256 to $2,901 a month
Your payment · 29%
Hard
more than $2,901 a month
Compared with the typical household income in North Ridgeville ($96,698 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,797
Property tax
$322
Home insurance
$113
FHA mortgage insurance (MIP)
$119
You need at least $9,454 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 $2,350; principal and interest $1,797.
The city and its county
North Ridgeville and Lorain County
North Ridgeville 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).
North Ridgeville
Map of Lorain County, Ohio, with North Ridgeville marked. Around it, the neighboring counties.
North Ridgeville
Lorain County
Other cities with a page
North Ridgeville's own numbers
Typical home value
$270,100
Typical monthly rent
$1,116
Typical yearly household income
$96,698
Households that own their home
90%
Effective property tax rate
1.43%
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.
A typical home in North Ridgeville is worth $270,100: 21% above the county and 26% above Ohio. With the typical household income in North Ridgeville ($96,698 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.
North Ridgeville2.8 years
Lorain3.0 years
Ohio3.0 years
United States4.1 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.
Yearly change in FHFA’s price index in Lorain County, 2016 to 2025
2016: +2.2% +2.2% 2016
2017: +5.3% +5.3% 2017
2018: +4.9% +4.9% 2018
2019: +4.4% +4.4% 2019
2020: +4.6% +4.6% 2020
2021: +11.2% +11.2% 2021
2022: +13.0% +13.0% 2022
2023: +9.3% +9.3% 2023
2024: +7.4% +7.4% 2024
2025: +5.6% +5.6% 2025
Change in FHFA’s price index in Lorain County, Ohio and the United States
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
North Ridgeville 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
North Ridgeville$270,100
Lorain$223,200
Ohio$214,800
United States$332,700
Typical monthly rent
North Ridgeville$1,116
Lorain$966
Ohio$1,034
United States$1,413
Typical yearly household income
North Ridgeville$96,698
Lorain$73,347
Ohio$71,389
United States$80,734
See the full table
North Ridgeville next to Lorain County and Ohio
Measure
North Ridgeville
Lorain County
Ohio
U.S.
Typical home value
$270,100 ▲21% above the county
$223,200
$214,800
$332,700
Typical monthly rent
$1,116 ▲16% above the county
$966
$1,034
$1,413
Typical yearly household income
$96,698 ▲32% above the county
$73,347
$71,389
$80,734
Households that own their home
90% ▲16 points above the county
74%
67%
65%
Typical yearly property tax
$3,866 ▲27% above the county
$3,055
$2,822
$3,119
Effective property tax rate
1.43% ▲0.06 points above the county
1.37%
1.31%
0.94%
Renters with high rent for their income
41% ▼6 points below the county
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 North Ridgeville
For a typical $270,100 home in North Ridgeville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Ridgeville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,350a month
Least cash to close
Down payment
$9,454
Cash to close
$17,557
Rate
7.18%
Mortgage insurance
FHA MIP · $119
Conventional, 5% down$2,301a month
Down payment
$13,505
Cash to close
$21,608
Rate
7.18%
Mortgage insurance
PMI · $128
Conventional, 20% down, no PMI$1,898a month
Down payment
$54,020
Cash to close
$62,123
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,148a month
Down payment
$40,515
Cash to close
$48,618
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in North Ridgeville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,350
$9,454
$265,208
7.18%
FHA MIP · $119
$17,557
580
Conventional, 5% down
$2,301
$13,505
$256,595
7.18%
PMI · $128
$21,608
620*
Conventional, 20% down, no PMI
$1,898
$54,020
$216,080
7.18%
None
$62,123
620*
ITIN, 15% down (example)
$2,148
$40,515
$229,585
8.18%
None
$48,618
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 North Ridgeville is $1,116 a month: 16% above the county. In North Ridgeville, 41% 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.
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.
No down payment, repair or rent-help program on our list is for North Ridgeville or Lorain County. The ones below are statewide in Ohio: they work in North Ridgeville 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 North Ridgeville, 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 North Ridgeville or Lorain 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 North Ridgeville 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 North Ridgeville?
The typical home value in North Ridgeville is $270,100, 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 North Ridgeville?
Typical rent in North Ridgeville is $1,116 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 North Ridgeville?
North Ridgeville 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 North Ridgeville?
The typical homeowner in North Ridgeville pays $3,866 a year, according to the U.S. Census Bureau. That is 1.43% of the home’s value; in Lorain County, the rate is 1.37%.
Where can I find free help to buy or rent in North Ridgeville?
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.
