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City · 21,490 residents · Cuyahoga County, Ohio

Rocky River , Ohio

In Rocky River, a typical home is worth $349,300 and typical rent is $1,175 a month. Compared with all of Cuyahoga County, the typical home value is 79% higher, typical household income is 46% higher, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $349,300

    79% above the county

    63% above Ohio

    • Rocky River
    • Cuyahoga
    • Ohio

  • Typical rent

    $1,175a month

    11% above the county

    14% above Ohio

    • Rocky River
    • Cuyahoga
    • Ohio

  • Typical household income

    $94,026a year

    46% above the county

    32% above Ohio

    • Rocky River
    • Cuyahoga
    • Ohio

  • Households that own their home

    70%

    10 points above the county

    2 points above Ohio

    • Rocky River
    • Cuyahoga
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$399,719
4.8% more than 12 months ago
Typical rent
$1,439 a month

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

Rocky River 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 Rocky River apart

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

  1. The typical home in Rocky River is worth $349,300, 79% more than in Cuyahoga County as a whole ($195,400).

  2. Nearby, in Brook Park, the typical home value is $169,600: 51% less than in Rocky River ($349,300).

  3. The typical household income in Rocky River is $94,026, 46% more than in Cuyahoga County as a whole ($64,468).

  4. 70% of households in Rocky River own their home, against 59% in Cuyahoga County.

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

The homes here

Housing in Rocky River

What homes there are in Rocky River, 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

The detached house is still the most common home in Rocky River, but it weighs less than in Cuyahoga County: 56% against 59%.

Year built

Here half of the homes date from 1962 or later; in Cuyahoga County, from 1957 or later.

Much as in Cuyahoga County, 58% of homes in Rocky River have 3 bedrooms or more.

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

About 80% of owner-occupied homes in Rocky River are worth less than the FHA loan limit for Cuyahoga County ($541,287).

Monthly rent with utilities

With a mortgage

$2,145 a month

Cuyahoga County: $1,570 a month

Without a mortgage

$865 a month

Cuyahoga County: $671 a month

Owners with a mortgage

61%

Cuyahoga County: 59%

Owning costs more in Rocky River: with a mortgage, the typical cost is $2,145 a month; in Cuyahoga County, $1,570. Without one, $865.

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 Rocky River rose 42% since 2015–2019, less than in Cuyahoga County (47%).

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

The typical household income in Rocky River rose 26% over that time; home values changed +42% and 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

MeasureRocky RiverCuyahoga 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 2.182.202.372.53
Drive alone 71%70%75%69%
Carpool 6%7%8%9%
Public transit Unreliable estimate3%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 19%16%13%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Cuyahoga County, a household in Rocky River has 2.18 people on average.

Working from home is more common in Rocky River: 19%, against 16% in Cuyahoga County.

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 Rocky River?

A typical home costs more than the typical income allows

We start with a typical home in Rocky River, worth $349,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Rocky River, which is $94,026 a year. For that payment to be 28% of income, a household would need to earn about $135,388 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 Rocky River. 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 $12,226 (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

$3,159

at 7.18% · 30 years

Loan amount
$342,973
Total interest
$493,457
Paid off in
November 2056

Includes $5,899 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,194 a month

  • Tight

    $2,194 to $2,821 a month

  • Hard

    more than $2,821 a month

    Your payment · 40%

Compared with the typical household income in Rocky River ($94,026 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,159
Principal & interest$2,323
Property tax$536
Home insurance$146
FHA mortgage insurance (MIP)$154

You need at least $12,226 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

Rocky River and Cuyahoga County

Rocky River 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).

Rocky River's own numbers

Typical home value
$349,300
Typical monthly rent
$1,175
Typical yearly household income
$94,026
Households that own their home
70%
Effective property tax rate
1.84%

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 Rocky River

A typical home in Rocky River is worth $349,300: 79% above the county and 63% above Ohio. With the typical household income in Rocky River ($94,026 a year), a typical home costs 3.7 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.

  • Rocky River 3.7 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

Rocky River 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
  • Rocky River $349,300
  • Cuyahoga $195,400
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Rocky River $1,175
  • Cuyahoga $1,060
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Rocky River $94,026
  • Cuyahoga $64,468
  • Ohio $71,389
  • United States $80,734
See the full table
Rocky River next to Cuyahoga County and Ohio
Measure Rocky River Cuyahoga County Ohio U.S.
Typical home value $349,300 $195,400 $214,800 $332,700
Typical monthly rent $1,175 $1,060 $1,034 $1,413
Typical yearly household income $94,026 $64,468 $71,389 $80,734
Households that own their home 70% 59% 67% 65%
Typical yearly property tax $6,421 $3,910 $2,822 $3,119
Effective property tax rate 1.84% 2% 1.31% 0.94%
Renters with high rent for their income 47% 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 Rocky River

For a typical $349,300 home in Rocky River, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rocky River's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,159a month

    Least cash to close
    Down payment
    $12,226
    Cash to close
    $22,705
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $154

  • Conventional, 5% down $3,095a month

    Down payment
    $17,465
    Cash to close
    $27,944
    Rate
    7.18%
    Mortgage insurance
    PMI · $166

  • Conventional, 20% down, no PMI $2,574a month

    Down payment
    $69,860
    Cash to close
    $80,339
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,897a month

    Down payment
    $52,395
    Cash to close
    $62,874
    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 Rocky River and for Cuyahoga County.

Property tax

Effective rate in Rocky River

1.84%of the home’s value each year

$6,421 a year for the typical owner in Rocky River.

  • Rocky River 1.84%
  • 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 Rocky River

Typical rent in Rocky River is $1,175 a month: 11% above the county. In Rocky River, 47% 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 Rocky River

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rocky River is in ZIP code 44116.

For 2 bedrooms it is $1,390: $116 more than the fair market rent for Cuyahoga County ($1,274).

  • 44116 $1,390$1,780

A ZIP code counts for Rocky River 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 Rocky River

HUD lists one building with rents for lower incomes in Rocky River.

  • Pinzone Towers Apartments 21900 Addington Blvd, Rocky River 44116 100 low-income homes · For older adults (440) 356-0007

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

Free help

Help to buy or rent in Rocky River

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

HUD counseling is free or low-cost

Assistance programs in Rocky River

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

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

  • Spanish American Committee

    4407 Lorain Ave, Cleveland · 7 miles away · Spanish

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

  • Asian Services in Action, Inc. (ASIA)

    3631 Perkins Ave, Cleveland · 10 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

  • CHN Housing Partners

    3711 Chester Ave, Cleveland · 10 miles away · Spanish

    Also serves in French.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (216) 881-8443

Every agency in Cuyahoga County All counseling agencies in Ohio

Help in Spanish near Rocky River

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 Rocky River

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

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Rocky River

Short answers with the numbers for Rocky River 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 Rocky River?

The typical home value in Rocky River is $349,300, 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 Rocky River?

Typical rent in Rocky River is $1,175 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 Rocky River?

Rocky River 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 Rocky River?

The typical homeowner in Rocky River pays $6,421 a year, according to the U.S. Census Bureau. That is 1.84% of the home’s value; in Cuyahoga County, the rate is 2%.

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

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).