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City · 28,922 residents · Cuyahoga County, Ohio

Shaker Heights , Ohio

In Shaker Heights, a typical home is worth $303,200 and typical rent is $1,168 a month. Compared with all of Cuyahoga County, typical household income is 61% higher and the typical home value is 55% higher.

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  • Typical home value

    $303,200

    55% above the county

    41% above Ohio

    • Shaker Heights
    • Cuyahoga
    • Ohio

  • Typical rent

    $1,168a month

    10% above the county

    13% above Ohio

    • Shaker Heights
    • Cuyahoga
    • Ohio

  • Typical household income

    $104,073a year

    61% above the county

    46% above Ohio

    • Shaker Heights
    • Cuyahoga
    • Ohio

  • Households that own their home

    60%

    1 points above the county

    7 points below Ohio

    • Shaker Heights
    • Cuyahoga
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$351,837
2.4% more than 12 months ago
Typical rent
$1,822 a month
9% more than 12 months ago

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

Shaker 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 Shaker Heights apart

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

  1. Nearby, in Warrensville Heights, the typical home value is $121,100: 60% less than in Shaker Heights ($303,200).

  2. The typical household income in Shaker Heights is $104,073, 61% more than in Cuyahoga County as a whole ($64,468).

  3. The typical home in Shaker Heights is worth $303,200, 55% more than in Cuyahoga County as a whole ($195,400).

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

The homes here

Housing in Shaker Heights

What homes there are in Shaker 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

The detached house is still the most common home in Shaker Heights, but it weighs less than in Cuyahoga County: 54% against 59%.

Year built

In Shaker Heights, half of the homes were built before 1945; in Cuyahoga County, before 1957.

Homes in Shaker Heights are bigger: 62% 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

About 82% of owner-occupied homes in Shaker Heights are worth less than the FHA loan limit for Cuyahoga County ($541,287).

Monthly rent with utilities

With a mortgage

$2,445 a month

Cuyahoga County: $1,570 a month

Without a mortgage

$1,257 a month

Cuyahoga County: $671 a month

Owners with a mortgage

62%

Cuyahoga County: 59%

Owning costs more in Shaker Heights: with a mortgage, the typical cost is $2,445 a month; in Cuyahoga County, $1,570. Without one, $1,257.

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 Shaker Heights rose 32%; in Cuyahoga County, it rose 47%.

Since 2015–2019, the typical rent in Shaker Heights rose 14%, less than in Cuyahoga County (31%).

While home values in Shaker Heights changed +32% and rent +14%, the typical household income rose 19%.

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

MeasureShaker HeightsCuyahoga CountyOhioUnited States
Rental vacancy 6.9%5.3%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 2.242.202.372.53
Drive alone 64%70%75%69%
Carpool 7%7%8%9%
Public transit Unreliable estimate3%1%3%
Walk or bike 2%3%2%3%
Work from home 23%16%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Shaker Heights: 6.9% is empty and offered for rent, against 5.3% in Cuyahoga County.

A household in Shaker Heights has 2.24 people on average, about the same as in Cuyahoga County (2.20).

Working from home is more common in Shaker Heights: 23%, 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 Shaker Heights?

A typical home is tight for the typical income

We start with a typical home in Shaker Heights, worth $303,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Shaker Heights, which is $104,073 a year. For that payment to be 28% of income, a household would need to earn about $130,297 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 Shaker 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 $10,612 (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

$3,040

at 7.18% · 30 years

Loan amount
$297,708
Total interest
$428,332
Paid off in
November 2056

Includes $5,120 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,428 a month

  • Tight

    $2,428 to $3,122 a month

    Your payment · 35%

  • Hard

    more than $3,122 a month

Compared with the typical household income in Shaker Heights ($104,073 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,040
Principal & interest$2,017
Property tax$763
Home insurance$126
FHA mortgage insurance (MIP)$134

You need at least $10,612 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

Shaker Heights and Cuyahoga County

Shaker 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).

Shaker Heights's own numbers

Typical home value
$303,200
Typical monthly rent
$1,168
Typical yearly household income
$104,073
Households that own their home
60%
Effective property tax rate
3.02%

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 Shaker Heights

A typical home in Shaker Heights is worth $303,200: 55% above the county and 41% above Ohio. With the typical household income in Shaker Heights ($104,073 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.

  • Shaker 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

Shaker 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
  • Shaker Heights $303,200
  • Cuyahoga $195,400
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Shaker Heights $1,168
  • Cuyahoga $1,060
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Shaker Heights $104,073
  • Cuyahoga $64,468
  • Ohio $71,389
  • United States $80,734
See the full table
Shaker Heights next to Cuyahoga County and Ohio
Measure Shaker Heights Cuyahoga County Ohio U.S.
Typical home value $303,200 $195,400 $214,800 $332,700
Typical monthly rent $1,168 $1,060 $1,034 $1,413
Typical yearly household income $104,073 $64,468 $71,389 $80,734
Households that own their home 60% 59% 67% 65%
Typical yearly property tax $9,168 $3,910 $2,822 $3,119
Effective property tax rate 3.02% 2% 1.31% 0.94%
Renters with high rent for their income 38% 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 Shaker Heights

For a typical $303,200 home in Shaker Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Shaker Heights's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,040a month

    Least cash to close
    Down payment
    $10,612
    Cash to close
    $19,708
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $134

  • Conventional, 5% down $2,985a month

    Down payment
    $15,160
    Cash to close
    $24,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $144

  • Conventional, 20% down, no PMI $2,533a month

    Down payment
    $60,640
    Cash to close
    $69,736
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,813a month

    Down payment
    $45,480
    Cash to close
    $54,576
    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 Shaker Heights and for Cuyahoga County.

Property tax

Effective rate in Shaker Heights

3.02%of the home’s value each year

$9,168 a year for the typical owner in Shaker Heights.

  • Shaker Heights 3.02%
  • 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 Shaker Heights

Typical rent in Shaker Heights is $1,168 a month: 10% above the county. In Shaker Heights, 38% 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 Shaker Heights

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Shaker Heights has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,210 in 44120 to $1,850 in 44122.

1 of the 2 is above the fair market rent for Cuyahoga County ($1,274).

  • 44120 $1,210$1,550
  • 44122 $1,850$2,360

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Shaker 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?

Low-income apartments

Low-income apartments in Shaker Heights

HUD lists 3 buildings with rents for lower incomes in Shaker Heights. These are the largest.

  • Campbell Court Apartments 16650 Van Aken Blvd, Shaker Heights 44120 82 homes, 81 low-income · For older adults (216) 921-8448
  • Statesman Apartments II 16705 Van Aken Blvd, Shaker Heights 44120 47 low-income homes · For older adults (216) 283-1813
  • Library Court Senior Housing 16301 Chagrin Blvd, Shaker Heights 44120 44 low-income homes · 1 bd: 12 · 2 bd: 32 · In service since 2011 · For older adults

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

Free help

Help to buy or rent in Shaker 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.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Shaker Heights

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

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

  • Breaking Chains Inc

    23300 Chagrin Blvd Ste 201, Beachwood · 2 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 1 more
    (216) 464-0699

  • Nid-Hca Stoudermire

    17017 Miles Ave, Cleveland · 3 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (216) 282-3333

  • Community Housing Solutions

    12114 Larchmere Blvd, Cleveland · 3 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (216) 231-5815

Every agency in Cuyahoga County All counseling agencies in Ohio

Help in Spanish near Shaker Heights

1 of the 3 agencies on this list says it serves 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 Shaker Heights

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

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Shaker Heights

Short answers with the numbers for Shaker 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 Shaker Heights?

The typical home value in Shaker Heights is $303,200, 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 Shaker Heights?

Typical rent in Shaker Heights is $1,168 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 Shaker Heights?

Shaker 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 Shaker Heights?

The typical homeowner in Shaker Heights pays $9,168 a year, according to the U.S. Census Bureau. That is 3.02% of the home’s value; in Cuyahoga County, the rate is 2%.

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