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City · 9,975 residents · Lake County, Ohio

Willoughby Hills , Ohio

In Willoughby Hills, a typical home is worth $328,600 and typical rent is $1,116 a month. Compared with all of Lake County, the typical home value is 53% higher, typical household income is 17% lower, and the share of households that own their home is 34 points lower.

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  • Typical home value

    $328,600

    53% above the county

    53% above Ohio

    • Willoughby Hills
    • Lake
    • Ohio

  • Typical rent

    $1,116a month

    About the same as the county

    8% above Ohio

    • Willoughby Hills
    • Lake
    • Ohio

  • Typical household income

    $67,214a year

    17% below the county

    6% below Ohio

    • Willoughby Hills
    • Lake
    • Ohio

  • Households that own their home

    42%

    34 points below the county

    25 points below Ohio

    • Willoughby Hills
    • Lake
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$364,343
4.6% more than 12 months ago
Typical rent
$1,074 a month

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

Willoughby Hills is in Lake 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 Lake County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Willoughby Hills apart

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

  1. 42% of households in Willoughby Hills own their home, against 76% in Lake County.

  2. Nearby, in Willowick, the typical home value is $166,000: 49% less than in Willoughby Hills ($328,600).

  3. The typical home in Willoughby Hills is worth $328,600, 53% more than in Lake County as a whole ($214,100).

  4. The typical household income in Willoughby Hills is $67,214, 17% less than in Lake County as a whole ($80,925).

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

The homes here

Housing in Willoughby Hills

What homes there are in Willoughby Hills, 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

Homes in Willoughby Hills are varied: detached houses are the largest group, at 41%, against 72% in Lake County.

Year built

The typical year built in Willoughby Hills is 1973, about the same as in Lake County (1972).

There are fewer big homes in Willoughby Hills than in Lake County: 44% have 3 bedrooms or more, against 70%.

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
Monthly rent with utilities

With a mortgage

$2,174 a month

Lake County: $1,500 a month

Without a mortgage

$758 a month

Lake County: $635 a month

Owners with a mortgage

55%

Lake County: 62%

The typical cost for an owner with a mortgage in Willoughby Hills is $2,174 a month, more than in Lake County ($1,500); without one, $758.

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 Willoughby Hills rose 29%; in Lake County, it rose 37%.

The typical rent in Willoughby Hills rose 21% over the same time; in Lake County, it rose 24%.

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

MeasureWilloughby HillsLake CountyOhioUnited States
Rental vacancy Unreliable estimate3.3%4.4%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.8%0.9%
More than one person per room Unreliable estimate1.0%1.5%3.4%
People per household 1.962.272.372.53
Drive alone 73%77%75%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 21%14%13%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Willoughby Hills are smaller: 1.96 people on average; in Lake County, 2.27.

In Willoughby Hills, 21% of workers work from home, more than in Lake County (14%).

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 Willoughby Hills?

A typical home costs more than the typical income allows

We start with a typical home in Willoughby Hills, worth $328,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 52% of the typical household income in Willoughby Hills, which is $67,214 a year. For that payment to be 28% of income, a household would need to earn about $125,722 a year.

The calculator's FHA and conventional loan limits are those of all of Lake County.

Your numbers

Local data
$

Starts at the typical home value in Willoughby Hills. 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 $11,501 (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

$2,933

at 7.18% · 30 years

Loan amount
$322,648
Total interest
$464,215
Paid off in
November 2056

Includes $5,549 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,568 a month

  • Tight

    $1,568 to $2,016 a month

  • Hard

    more than $2,016 a month

    Your payment · 52%

Compared with the typical household income in Willoughby Hills ($67,214 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,933
Principal & interest$2,186
Property tax$466
Home insurance$137
FHA mortgage insurance (MIP)$145

You need at least $11,501 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

Willoughby Hills and Lake County

Willoughby Hills is in Lake 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).

Willoughby Hills's own numbers

Typical home value
$328,600
Typical monthly rent
$1,116
Typical yearly household income
$67,214
Households that own their home
42%
Effective property tax rate
1.7%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Lake 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)
+47%
Homes in a high flood-risk zone
0.8%

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 Lake County.

Everything about Lake County

Buying

Buying a home in Willoughby Hills

A typical home in Willoughby Hills is worth $328,600: 53% above the county and 53% above Ohio. With the typical household income in Willoughby Hills ($67,214 a year), a typical home costs 4.9 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.

  • Willoughby Hills 4.9 years
  • Lake 2.6 years
  • Ohio 3.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Lake County

According to FHFA’s house price index, home prices in Lake County rose 77% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Lake County.

Period County Ohio U.S.
Last year (2025) +4.9% +4.8% +2.9%
5 years (2020–2025) +47% +53% +47%
10 years (2015–2025) +77% +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

Willoughby Hills next to Lake 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
  • Willoughby Hills $328,600
  • Lake $214,100
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Willoughby Hills $1,116
  • Lake $1,113
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Willoughby Hills $67,214
  • Lake $80,925
  • Ohio $71,389
  • United States $80,734
See the full table
Willoughby Hills next to Lake County and Ohio
Measure Willoughby Hills Lake County Ohio U.S.
Typical home value $328,600 $214,100 $214,800 $332,700
Typical monthly rent $1,116 $1,113 $1,034 $1,413
Typical yearly household income $67,214 $80,925 $71,389 $80,734
Households that own their home 42% 76% 67% 65%
Typical yearly property tax $5,574 $3,475 $2,822 $3,119
Effective property tax rate 1.7% 1.62% 1.31% 0.94%
Renters with high rent for their income 47% 45% 46% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lake 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 Willoughby Hills

For a typical $328,600 home in Willoughby Hills, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Willoughby Hills's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,934a month

    Least cash to close
    Down payment
    $11,501
    Cash to close
    $21,359
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $145

  • Conventional, 5% down $2,873a month

    Down payment
    $16,430
    Cash to close
    $26,288
    Rate
    7.18%
    Mortgage insurance
    PMI · $156

  • Conventional, 20% down, no PMI $2,383a month

    Down payment
    $65,720
    Cash to close
    $75,578
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,687a month

    Down payment
    $49,290
    Cash to close
    $59,148
    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 Willoughby Hills and for Lake County.

Property tax

Effective rate in Willoughby Hills

1.7%of the home’s value each year

$5,574 a year for the typical owner in Willoughby Hills.

  • Willoughby Hills 1.7%
  • Lake 1.62%
  • 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 Lake County

FEMA does not publish these numbers by city: they are for all of Lake County.

Homes in the high-risk zone
0.8%
756
Of those, with NFIP insurance
32%
County Ohio U.S.
Homes in the high-risk zone 0.8% 1.7% 3.5%
Of those, with NFIP insurance 32% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Willoughby Hills

Typical rent in Willoughby Hills is $1,116 a month: about the same as the county. In Willoughby Hills, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Lake 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 Lake 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 Willoughby Hills

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

For 2 bedrooms it runs from $1,290 in 44092 to $1,440 in 44094.

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

  • 44092 $1,290$1,650
  • 44094 $1,440$1,840

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

HUD lists one building with rents for lower incomes in Willoughby Hills.

  • Mary Rose Estates 35253 Maplegrove Rd, Willoughby Hills 44094 40 low-income homes · In service since 2013 · For older adults (440) 975-0751

See all 16 buildings in Lake County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Willoughby Hills

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 is 1 HUD-approved agency with an office in Lake County; 1 says it serves 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 Willoughby Hills

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

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

  • Home Repair Resource Center

    2520 Noble Rd, Cleveland Heights · 7 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (216) 381-6100

  • Nid-Hca Valentine

    2490 Lee Boulevard, Suite 306, Cleveland Heights · 8 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (216) 932-6624

  • Breaking Chains Inc

    23300 Chagrin Blvd Ste 201, Beachwood · 9 miles away

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

Every agency in Lake County All counseling agencies in Ohio

Help in Spanish near Willoughby Hills

None 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 Willoughby Hills

In HUD’s record, no housing authority with an office in Lake County is named for Willoughby Hills or Lake County.

One other authority has an office in Lake County: see the list Source: HUD

Cities

Other cities in Lake County

These cities are also in Lake County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Lake County Housing in Ohio

Nearby cities

The cities closest to Willoughby Hills, with the typical home value.

Neighboring counties

If Lake 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 Willoughby Hills.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Willoughby Hills

Short answers with the numbers for Willoughby Hills and all of Lake 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 Willoughby Hills?

The typical home value in Willoughby Hills is $328,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lake County it is $214,100.

How much does it cost to rent in Willoughby Hills?

Typical rent in Willoughby Hills is $1,116 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lake County is $1,274.

What is the FHA loan limit in Willoughby Hills?

Willoughby Hills uses the FHA limit for all of Lake 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 Willoughby Hills?

The typical homeowner in Willoughby Hills pays $5,574 a year, according to the U.S. Census Bureau. That is 1.7% of the home’s value; in Lake County, the rate is 1.62%.

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

There is 1 HUD-approved counseling agency with an office in Lake County. 1 says it serves 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).