In Cleveland, a typical home is worth $174,400 and typical rent is $930 a month. Compared with all of Liberty County, typical household income is 21% lower, typical rent is 11% lower, and the share of households that own their home is 19 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $219,150 to $222,084.
Typical rent
$1,656a month
▲ 4.5% more than 12 months ago
Typical rent from Zillow, March 2024 to September 2026: from $1,635 to $1,656.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Cleveland is in Liberty 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 Liberty County. See the county
What this place has that others do not, from public data, most unusual first.
1
63% of households in Cleveland own their home, against 82% in Liberty County.
2
Nearby, in Willis, the typical home value is $124,300: 29% less than in Cleveland ($174,400).
3
The typical household income in Cleveland is $54,519,21% less than in Liberty County as a whole ($68,703).
4
According to Zillow, in the 12 months to September 2026 the typical home value in Cleveland fell 4.5%; in Texas, it fell 1.4%.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Cleveland
What homes there are in Cleveland, 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
Cleveland
Liberty County
Texas
United States
Kind of home: Cleveland and its comparisons
Measure
Cleveland
Liberty County
Texas
United States
Detached house
59%
58%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
16%
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
18%
33%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is the most common home in Cleveland: 59% of homes, near the figure in Liberty County (58%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Cleveland
Liberty County
Texas
United States
Year built: Cleveland and its comparisons
Measure
Cleveland
Liberty County
Texas
United States
Before 1960
14%
7%
12%
26%
1960–1979
27%
21%
21%
24%
1980–1999
39%
29%
28%
25%
2000–2009
11%
18%
18%
14%
2010 or later
10%
25%
21%
11%
Homes in Cleveland are older: the typical year built is 1984; in Liberty County, 1996.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitCould be either sideUnreliable estimate
Under $100K23%
$100K–$200K37%
$200K–$300K22%
$300K–$500K17%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Cleveland and its comparisons
Measure
Cleveland
Under $100K
23%
$100K–$200K
37%
$200K–$300K
22%
$300K–$500K
17%
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
The FHA limit for Liberty County is high ($541,287): at least 99% of owner-occupied homes in Cleveland are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50026%
$500–$99928%
$1,000–$1,49929%
HUD fair market rent, 2 bedrooms: $1,497
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Cleveland and its comparisons
Measure
Cleveland
Under $500
26%
$500–$999
28%
$1,000–$1,499
29%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Liberty County is $1,497; about 83% of rents in Cleveland are below it.
With a mortgage
$1,829 a month
Liberty County: $1,679 a month
Without a mortgage
$541 a month
Liberty County: $533 a month
Owners with a mortgage
59%
Liberty County: 47%
The typical cost for an owner with a mortgage in Cleveland is $1,829 a month, more than in Liberty County ($1,679); without one, $541.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Cleveland+91%
Liberty County+63%
Texas+65%
United States+53%
Typical rent
Cleveland+35%
Liberty County+23%
Texas+34%
United States+33%
Typical household income
ClevelandNo clear change
Liberty County+33%
Texas+27%
United States+29%
Change since 2015–2019: Cleveland and its comparisons
Measure
Cleveland
Liberty County
Texas
United States
Typical home value
+91%
+63%
+65%
+53%
Typical rent
+35%
+23%
+34%
+33%
Typical household income
No clear change
+33%
+27%
+29%
The typical home value in Cleveland rose 91% since 2015–2019, more than in Liberty County (63%).
Since 2015–2019, the typical rent in Cleveland rose 35%, more than in Liberty County (23%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Cleveland and its comparisons
Measure
Cleveland
Liberty County
Texas
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
7.2%
4.8%
3.4%
People per household
3.00
3.15
2.69
2.53
Drive alone
78%
78%
71%
69%
Carpool
Unreliable estimate
14%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
7%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
By size, households in Cleveland look like those in Liberty County: 3.00 people on average.
In Cleveland, 78% of workers drive alone to work; in Liberty County, 78%.
Do the math
What would you pay each month for a home in Cleveland?
A typical home is tight for the typical income
We start with a typical home in Cleveland, worth $174,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Cleveland, which is $54,519 a year. For that payment to be 28% of income, a household would need to earn about $66,600 a year.
The calculator's FHA and conventional loan limits are those of all of Liberty 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 Cleveland. 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 $6,104 (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
$1,554
at 7.18% · 30 years
Loan amount
$171,241
Total interest
$246,376
Paid off in
November 2056
Includes $2,945 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,272 a month
Tight
$1,272 to $1,636 a month
Your payment · 34%
Hard
more than $1,636 a month
Compared with the typical household income in Cleveland ($54,519 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,160
Property tax
$244
Home insurance
$73
FHA mortgage insurance (MIP)
$77
You need at least $6,104 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 $1,554; principal and interest $1,160.
The city and its county
Cleveland and Liberty County
Cleveland is in Liberty County, Texas. 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).
Cleveland
Map of Liberty County, Texas, with Cleveland marked. Around it, the neighboring counties.
Cleveland
Liberty County
Other cities with a page
Cleveland's own numbers
Typical home value
$174,400
Typical monthly rent
$930
Typical yearly household income
$54,519
Households that own their home
63%
Effective property tax rate
1.68%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Liberty County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,497
Price change over 5 years (FHFA)
+37%
Homes in a high flood-risk zone
11%
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 Liberty County.
A typical home in Cleveland is worth $174,400: 4% below the county and 39% below Texas. With the typical household income in Cleveland ($54,519 a year), a typical home costs 3.2 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.
Cleveland3.2 years
Liberty2.6 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Liberty County
According to FHFA’s house price index, home prices in Liberty County rose 80% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Liberty County.
Yearly change in FHFA’s price index in Liberty County, 2016 to 2025
2016: +8.1% +8.1% 2016
2017: +5.9% +5.9% 2017
2018: +4.4% +4.4% 2018
2019: +6.8% +6.8% 2019
2020: +3.2% +3.2% 2020
2021: +9.3% +9.3% 2021
2022: +13.8% +13.8% 2022
2023: +7.5% +7.5% 2023
2024: +2.9% +2.9% 2024
2025: −0.7% −0.7% 2025
Change in FHFA’s price index in Liberty County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−0.7%
+0.8%
+2.9%
5 years (2020–2025)
+37%
+44%
+47%
10 years (2015–2025)
+80%
+88%
+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
Cleveland next to Liberty County, Texas and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Cleveland$174,400
Liberty$181,700
Texas$283,800
United States$332,700
Typical monthly rent
Cleveland$930
Liberty$1,044
Texas$1,403
United States$1,413
Typical yearly household income
Cleveland$54,519
Liberty$68,703
Texas$78,476
United States$80,734
See the full table
Cleveland next to Liberty County and Texas
Measure
Cleveland
Liberty County
Texas
U.S.
Typical home value
$174,400 ▼4% below the county
$181,700
$283,800
$332,700
Typical monthly rent
$930 ▼11% below the county
$1,044
$1,403
$1,413
Typical yearly household income
$54,519 ▼21% below the county
$68,703
$78,476
$80,734
Households that own their home
63% ▼19 points below the county
82%
63%
65%
Typical yearly property tax
$2,929 ▲37% above the county
$2,133
$4,232
$3,119
Effective property tax rate
1.68% ▲0.51 points above the county
1.17%
1.49%
0.94%
Renters with high rent for their income
48% ▼6 points below the county
54%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Liberty 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 Cleveland
For a typical $174,400 home in Cleveland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cleveland's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,554a month
Least cash to close
Down payment
$6,104
Cash to close
$11,336
Rate
7.18%
Mortgage insurance
FHA MIP · $77
Conventional, 5% down$1,522a month
Down payment
$8,720
Cash to close
$13,952
Rate
7.18%
Mortgage insurance
PMI · $83
Conventional, 20% down, no PMI$1,262a month
Down payment
$34,880
Cash to close
$40,112
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,423a month
Down payment
$26,160
Cash to close
$31,392
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Cleveland
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,554
$6,104
$171,241
7.18%
FHA MIP · $77
$11,336
580
Conventional, 5% down
$1,522
$8,720
$165,680
7.18%
PMI · $83
$13,952
620*
Conventional, 20% down, no PMI
$1,262
$34,880
$139,520
7.18%
None
$40,112
620*
ITIN, 15% down (example)
$1,423
$26,160
$148,240
8.18%
None
$31,392
Set by the lender
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.
Typical rent in Cleveland is $930 a month: 11% below the county. In Cleveland, 48% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Liberty County, by unit size. To pay the 2-bedroom one ($1,497 a month) without spending more than 30% of your income, you would need to earn $28.79 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 Liberty County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,233
$23.71
$49,320
1 bedroom
$1,261
$24.25
$50,440
2 bedrooms
$1,497
$28.79
$59,880
3 bedrooms
$2,017
$38.79
$80,680
4 bedrooms
$2,502
$48.12
$100,080
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 Cleveland
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cleveland has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,120 in 77327 to $1,210 in 77328.
None is above the fair market rent for Liberty County ($1,497).
Fair market rent by ZIP code, HUD area and size in Cleveland, fiscal year 2027. A ZIP code that crosses a HUD area line appears once per area.
77327
Houston-The Woodlands-Sugar Land, TX
$920
$940
$1,120
$1,510
$1,870
77328
San Jacinto County, TX
$1,000
$1,050
$1,210
$1,580
$2,020
ZIP code2 bd3 bd
77327 $1,120$1,510
77328 $1,210$1,580
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cleveland 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)
HUD lists 6 buildings with rents for lower incomes in Cleveland. These are the largest.
Pineridge Plaza Apts1301 Nevell St, Cleveland 7732770 low-income homes · 1 bd: 22 · 2 bd: 24 · 3 bd: 24 · In service since 1998
UnnamedCleveland 7732770 low-income homes · Run by Housing Authority of Cleveland · Average payment: $396 a month · Average wait: 20 months · Homes at several sites(281) 593-1159
Park Place Apts100 Campbell St, Cleveland 7732760 low-income homes · 1 bd: 36 · 2 bd: 16 · 3 bd: 8 · For people with disabilities(281) 592-0332
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.
We found no HUD-approved agencies with an office in Liberty County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Cleveland or Liberty County. The ones below are statewide in Texas: they work in Cleveland the same as in the rest of the state.
Texas state program for first-time buyers: a 30-year mortgage with down payment assistance.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state program with down payment assistance for any buyer, not only first-time buyers.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return.Offered by Texas Department of Housing and Community Affairs (TDHCA).
No legal help resource on our list is for Cleveland or Liberty 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 Cleveland and all of Liberty 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 Cleveland?
The typical home value in Cleveland is $174,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Liberty County it is $181,700.
How much does it cost to rent in Cleveland?
Typical rent in Cleveland is $930 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Liberty County is $1,497.
What is the FHA loan limit in Cleveland?
Cleveland uses the FHA limit for all of Liberty 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 Cleveland?
The typical homeowner in Cleveland pays $2,929 a year, according to the U.S. Census Bureau. That is 1.68% of the home’s value; in Liberty County, the rate is 1.17%.
Where can I find free help to buy or rent in Cleveland?
We found no HUD-approved counseling agencies with an office in Liberty County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
