In Pepper Pike, a typical home is worth $579,600 and typical rent is $3,501 a month. Compared with all of Cuyahoga County, typical household income is 253% higher, typical rent is 230% higher, and the share of households that own their home is 36 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $545,519 to $723,004.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Pepper Pike 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
Pepper Pike has the highest typical rent of the 285 cities in Ohio with more than 5,000 people: $3,501.
2
95% of households in Pepper Pike own their home, against 59% in Cuyahoga County.
3
Pepper Pike has the 3rd highest typical household income of the 292 cities in Ohio with more than 5,000 people ($227,813).
4
The typical home in Pepper Pike is worth $579,600,197% more than in Cuyahoga County as a whole ($195,400).
5
Nearby, in Warrensville Heights, the typical rent is $1,044: 70% less than in Pepper Pike ($3,501).
6
Nearby, in Warrensville Heights, the typical home value is $121,100: 79% less than in Pepper Pike ($579,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Pepper Pike
What homes there are in Pepper Pike, 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
Pepper Pike
Cuyahoga County
Ohio
United States
Kind of home: Pepper Pike and its comparisons
Measure
Pepper Pike
Cuyahoga County
Ohio
United States
Detached house
94%
59%
69%
61%
Attached house
3%
6%
5%
6%
Building of 2 to 4
Unreliable estimate
10%
8%
8%
Apartments (5 or more)
Unreliable estimate
24%
15%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 94% of homes here, against 59% in Cuyahoga County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Pepper Pike
Cuyahoga County
Ohio
United States
Year built: Pepper Pike and its comparisons
Measure
Pepper Pike
Cuyahoga County
Ohio
United States
Before 1960
33%
56%
38%
26%
1960–1979
38%
25%
26%
24%
1980–1999
17%
12%
20%
25%
2000–2009
5%
4%
10%
14%
2010 or later
9%
4%
7%
11%
Here half of the homes date from 1969 or later; in Cuyahoga County, from 1957 or later.
Homes in Pepper Pike are bigger: 97% have 3 bedrooms or more; in Cuyahoga County, 57%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K28%
$500K–$750K37%
$750K–$1M17%
$1M or more8%
Value of owner-occupied homes: Pepper Pike and its comparisons
Measure
Pepper Pike
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
28%
$500K–$750K
37%
$750K–$1M
17%
$1M or more
8%
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Pepper Pike and its comparisons
Measure
Pepper Pike
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$3,593 a month
Cuyahoga County: $1,570 a month
Owners with a mortgage
50%
Cuyahoga County: 59%
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Pepper Pike+32%
Cuyahoga County+47%
Ohio+47%
United States+53%
Typical household income
Pepper PikeNo clear change
Cuyahoga County+28%
Ohio+26%
United States+29%
Change since 2015–2019: Pepper Pike and its comparisons
Measure
Pepper Pike
Cuyahoga County
Ohio
United States
Typical home value
+32%
+47%
+47%
+53%
Typical rent
No data
+31%
+28%
+33%
Typical household income
No clear change
+28%
+26%
+29%
Homes in Pepper Pike gained value more slowly than in Cuyahoga County: 32% since 2015–2019, against 47%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Pepper Pike and its comparisons
Measure
Pepper Pike
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
2.45
2.20
2.37
2.53
Drive alone
73%
70%
75%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
3%
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
19%
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
More people live in each home here: 2.45 on average, against 2.20 in Cuyahoga County.
Many people here do not commute at all: 19% work from home; in Cuyahoga County, 16%.
Do the math
What would you pay each month for a home in Pepper Pike?
A typical home is within reach of the typical income
We start with a typical home in Pepper Pike, worth $579,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Pepper Pike, which is $227,813 a year. Note: at that price the loan is above the FHA limit for Cuyahoga County ($541,287), so FHA would not insure it; the payment is only a reference.
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 Pepper Pike. 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 $20,286 (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
$5,189
at 7.18% · 30 years
Loan amount
$569,102
Total interest
$818,804
Paid off in
November 2056
Includes $9,788 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $5,316 a month
Your payment · 27%
Tight
$5,316 to $6,834 a month
Hard
more than $6,834 a month
Compared with the typical household income in Pepper Pike ($227,813 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,855
Property tax
$836
Home insurance
$242
FHA mortgage insurance (MIP)
$256
This loan is over the FHA limit
You'd borrow $559,314, but the FHA limit for a one-unit home in Pepper Pike is $541,287. You'd need a bigger down payment or a different loan.
You need at least $20,286 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 $5,189; principal and interest $3,855.
The city and its county
Pepper Pike and Cuyahoga County
Pepper Pike 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).
Pepper Pike
Map of Cuyahoga County, Ohio, with Pepper Pike marked. Around it, the neighboring counties.
Pepper Pike
Cuyahoga County
Other cities with a page
Pepper Pike's own numbers
Typical home value
$579,600
Typical monthly rent
$3,501
Typical yearly household income
$227,813
Households that own their home
95%
Effective property tax rate
1.73%
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 Pepper Pike is worth $579,600: 197% above the county and 170% above Ohio. With the typical household income in Pepper Pike ($227,813 a year), a typical home costs 2.5 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.
Pepper Pike2.5 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
Pepper Pike 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
Pepper Pike$579,600
Cuyahoga$195,400
Ohio$214,800
United States$332,700
Typical monthly rent
Pepper Pike$3,501
Cuyahoga$1,060
Ohio$1,034
United States$1,413
Typical yearly household income
Pepper Pike$227,813
Cuyahoga$64,468
Ohio$71,389
United States$80,734
See the full table
Pepper Pike next to Cuyahoga County and Ohio
Measure
Pepper Pike
Cuyahoga County
Ohio
U.S.
Typical home value
$579,600 ▲197% above the county
$195,400
$214,800
$332,700
Typical monthly rent
$3,501 ▲230% above the county
$1,060
$1,034
$1,413
Typical yearly household income
$227,813 ▲253% above the county
$64,468
$71,389
$80,734
Households that own their home
95% ▲36 points above the county
59%
67%
65%
Typical yearly property tax
$10,001 ▲156% above the county
$3,910
$2,822
$3,119
Effective property tax rate
1.73% ▼0.27 points below the county
2%
1.31%
0.94%
“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 Pepper Pike
For a typical $579,600 home in Pepper Pike, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pepper Pike's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$5,189a month
Above the FHA limit for Cuyahoga County ($541,287)
Down payment
$20,286
Cash to close
$37,674
Rate
7.18%
Mortgage insurance
FHA MIP · $256
Conventional, 5% down$5,082a month
Least cash to close
Down payment
$28,980
Cash to close
$46,368
Rate
7.18%
Mortgage insurance
PMI · $275
Conventional, 20% down, no PMI$4,218a month
Down payment
$115,920
Cash to close
$133,308
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,754a month
Down payment
$86,940
Cash to close
$104,328
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Pepper Pike
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Above the FHA limit for Cuyahoga County ($541,287)
$5,189
$20,286
$569,102
7.18%
FHA MIP · $256
$37,674
580
Conventional, 5% down Least cash to close
$5,082
$28,980
$550,620
7.18%
PMI · $275
$46,368
620*
Conventional, 20% down, no PMI
$4,218
$115,920
$463,680
7.18%
None
$133,308
620*
ITIN, 15% down (example)
$4,754
$86,940
$492,660
8.18%
None
$104,328
Set by the lender
The option that asks for the least cash to close is Conventional, 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 Pepper Pike is $3,501 a month: 230% above the county.
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 Pepper Pike
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pepper Pike is in ZIP code 44124.
For 2 bedrooms it is $1,470: $196 more than the fair market rent for Cuyahoga County ($1,274).
Fair market rent by ZIP code and size in Pepper Pike, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
44124
$1,070
$1,210
$1,470
$1,880
$2,030
ZIP code2 bd3 bd
44124 $1,470$1,880
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pepper Pike 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 Pepper Pike or Cuyahoga County. The ones below are statewide in Ohio: they work in Pepper Pike 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).
No legal help resource on our list is for Pepper Pike 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 Pepper Pike 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 Pepper Pike?
The typical home value in Pepper Pike is $579,600, 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 Pepper Pike?
Typical rent in Pepper Pike is $3,501 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 Pepper Pike?
Pepper Pike 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 Pepper Pike?
The typical homeowner in Pepper Pike pays $10,001 a year, according to the U.S. Census Bureau. That is 1.73% of the home’s value; in Cuyahoga County, the rate is 2%.
Where can I find free help to buy or rent in Pepper Pike?
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.
