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City · 34,104 residents · Cuyahoga County, Ohio

Westlake , Ohio

In Westlake, a typical home is worth $368,200 and typical rent is $1,570 a month. Compared with all of Cuyahoga County, the typical home value is 88% higher, typical household income is 74% higher, and the share of households that own their home is 14 points higher.

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  • Typical home value

    $368,200

    88% above the county

    71% above Ohio

    • Westlake
    • Cuyahoga
    • Ohio

  • Typical rent

    $1,570a month

    48% above the county

    52% above Ohio

    • Westlake
    • Cuyahoga
    • Ohio

  • Typical household income

    $112,200a year

    74% above the county

    57% above Ohio

    • Westlake
    • Cuyahoga
    • Ohio

  • Households that own their home

    73%

    14 points above the county

    6 points above Ohio

    • Westlake
    • Cuyahoga
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$421,021
3.3% more than 12 months ago
Typical rent
$1,878 a month
4.2% more than 12 months ago

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

Westlake 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 Westlake apart

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

  1. The typical household income in Westlake is $112,200, 74% more than in Cuyahoga County as a whole ($64,468).

  2. The typical home in Westlake is worth $368,200, 88% more than in Cuyahoga County as a whole ($195,400).

  3. The typical rent in Westlake is $1,570 a month, 48% more than in Cuyahoga County as a whole ($1,060).

  4. Nearby, in North Olmsted, the typical home value is $219,800: 40% less than in Westlake ($368,200).

  5. Nearby, in Fairview Park, the typical rent is $1,039: 34% less than in Westlake ($1,570).

  6. 73% of households in Westlake own their home, against 59% in Cuyahoga County.

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

The homes here

Housing in Westlake

What homes there are in Westlake, 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 Westlake, 6 in 10 homes are single-family detached houses, about the same as in Cuyahoga County.

Year built

The typical home in Westlake was built in 1983, 26 years after the typical one in Cuyahoga County.

In Westlake, 64% of homes have 3 bedrooms or more, more than 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 loan limit for Cuyahoga County is $541,287, and about 77% of owner-occupied homes in Westlake are worth less than that.

Monthly rent with utilities

With a mortgage

$2,071 a month

Cuyahoga County: $1,570 a month

Without a mortgage

$926 a month

Cuyahoga County: $671 a month

Owners with a mortgage

57%

Cuyahoga County: 59%

In Westlake, 57% of owners have a mortgage, and their typical cost is $2,071 a month, against $1,570 in Cuyahoga County. Without one it drops to $926.

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

Homes in Westlake gained value more slowly than in Cuyahoga County: 42% since 2015–2019, against 47%.

Rents in Westlake rose at about the same pace as in Cuyahoga County: 34% since 2015–2019, against 31%.

Housing prices ran ahead of income in Westlake: typical income rose 31%, against +42% for home values and +34% for rent.

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

MeasureWestlakeCuyahoga 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 2.292.202.372.53
Drive alone 70%70%75%69%
Carpool 6%7%8%9%
Public transit Unreliable estimate3%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 21%16%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Westlake has 2.29 people on average, about the same as in Cuyahoga County (2.20).

In Westlake, 21% of workers work from home, more than in Cuyahoga County (16%).

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 Westlake?

A typical home is tight for the typical income

We start with a typical home in Westlake, worth $368,200, 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 Westlake, which is $112,200 a year. For that payment to be 28% of income, a household would need to earn about $139,031 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 Westlake. 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 $12,887 (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

$3,244

at 7.18% · 30 years

Loan amount
$361,531
Total interest
$520,158
Paid off in
November 2056

Includes $6,218 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,618 a month

  • Tight

    $2,618 to $3,366 a month

    Your payment · 35%

  • Hard

    more than $3,366 a month

Compared with the typical household income in Westlake ($112,200 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,244
Principal & interest$2,449
Property tax$479
Home insurance$153
FHA mortgage insurance (MIP)$163

You need at least $12,887 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

Westlake and Cuyahoga County

Westlake 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).

Westlake's own numbers

Typical home value
$368,200
Typical monthly rent
$1,570
Typical yearly household income
$112,200
Households that own their home
73%
Effective property tax rate
1.56%

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 Westlake

A typical home in Westlake is worth $368,200: 88% above the county and 71% above Ohio. With the typical household income in Westlake ($112,200 a year), a typical home costs 3.3 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.

  • Westlake 3.3 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

Westlake 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
  • Westlake $368,200
  • Cuyahoga $195,400
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Westlake $1,570
  • Cuyahoga $1,060
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Westlake $112,200
  • Cuyahoga $64,468
  • Ohio $71,389
  • United States $80,734
See the full table
Westlake next to Cuyahoga County and Ohio
Measure Westlake Cuyahoga County Ohio U.S.
Typical home value $368,200 $195,400 $214,800 $332,700
Typical monthly rent $1,570 $1,060 $1,034 $1,413
Typical yearly household income $112,200 $64,468 $71,389 $80,734
Households that own their home 73% 59% 67% 65%
Typical yearly property tax $5,742 $3,910 $2,822 $3,119
Effective property tax rate 1.56% 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 Westlake

For a typical $368,200 home in Westlake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Westlake's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,244a month

    Least cash to close
    Down payment
    $12,887
    Cash to close
    $23,933
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $163

  • Conventional, 5% down $3,177a month

    Down payment
    $18,410
    Cash to close
    $29,456
    Rate
    7.18%
    Mortgage insurance
    PMI · $175

  • Conventional, 20% down, no PMI $2,628a month

    Down payment
    $73,640
    Cash to close
    $84,686
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,968a month

    Down payment
    $55,230
    Cash to close
    $66,276
    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 Westlake and for Cuyahoga County.

Property tax

Effective rate in Westlake

1.56%of the home’s value each year

$5,742 a year for the typical owner in Westlake.

  • Westlake 1.56%
  • 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 Westlake

Typical rent in Westlake is $1,570 a month: 48% above the county. In Westlake, 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 Westlake

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Westlake is in ZIP code 44145.

For 2 bedrooms it is $1,770: $496 more than the fair market rent for Cuyahoga County ($1,274).

  • 44145 $1,770$2,260

A ZIP code counts for Westlake 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?

Free help

Help to buy or rent in Westlake

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 young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Westlake

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

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

  • 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

  • El Centro de Servicios Sociales, Inc

    2800 Pearl Ave, Lorain · 11 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 3 more
    (440) 277-8235

  • Lorain County Urban League

    200 Middle Ave, Elyria · 11 miles away

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

Every agency in Cuyahoga County All counseling agencies in Ohio

Help in Spanish near Westlake

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 Westlake

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

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

Questions

Housing questions about Westlake

Short answers with the numbers for Westlake 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 Westlake?

The typical home value in Westlake is $368,200, 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 Westlake?

Typical rent in Westlake is $1,570 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 Westlake?

Westlake 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 Westlake?

The typical homeowner in Westlake pays $5,742 a year, according to the U.S. Census Bureau. That is 1.56% of the home’s value; in Cuyahoga County, the rate is 2%.

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

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).