44035
Elyria, Ohio.
Elyria, Lorain County, OH · Cleveland-Elyria, OH metro · population 62,179
to buy the typical home at today's mortgage rate — +$565 (+135%) since Jan 2020.
- 1 year
- Up $8,510 +5%
- $179,208$187,718 since Sep 2025
- 5 years
- Up $46,657 +33%
- $141,061$187,718 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 44035$985
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in zip 44035 rose 4.7% over the past year — faster than the nation's +1.2%.
Asking rents in zip 44035 rose 6.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in zip 44035 runs $20/mo more than renting one. The gap peaked at $268 in Nov 2021.
That is $1,400 a month against $1,380 rent: a $985 mortgage payment, plus $214 property tax and $201 insurance & upkeep.
Owning vs renting — zip 44035
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,400
- Renting$1,380
- Mortgage only$985
Property tax · $214/mo 1.37% of value a year — the ACS 2020-2024 median bill over the median home value for Lorain County, OH
Insurance & upkeep · $201/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
School districts in 44035, by share of its land: Elyria City Schools 52% · Midview Local 14% · Keystone Local 12% · Firelands Local 9% · Oberlin City Schools 6% · Amherst Exempted Village 4% · Sheffield-Sheffield Lake City 2% · Clearview Local 1%. Which one a home is in is printed on its tax bill.
Zillow also publishes an index for the city itself: Elyria, OH — measured over the city limits, which is a different area from this zip.
Asking rent — 44035
Against the Cleveland-Elyria, OH metro and the national benchmark.
- 44035$1,380
- Cleveland$1,440
- United States$1,932
Typical home value — 44035
Mid-tier homes, smoothed and seasonally adjusted.
- 44035$187,718
- Cleveland$250,001
- United States$366,157
Within 20 miles
Showing 30 of 35 zips in range — sorting picks from all 35.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 4.7 | 44055 | Lorain | 20,043 | $1,194 | $127,380 |
| 5.9 | 44039 | North Ridgeville | 36,780 | $2,110 | $332,624 |
| 6.4 | 44053 | Lorain | 21,084 | $1,004 | $246,174 |
| 6.4 | 44052 | Lorain | 28,282 | $1,059 | $138,990 |
| 6.7 | 44001 | Amherst | 21,448 | — | $280,785 |
| 7.1 | 44054 | Sheffield Lake | 12,806 | — | $227,574 |
| 7.6 | 44074 | Oberlin | 11,745 | — | $274,128 |
| 8.1 | 44050 | Lagrange | 7,059 | — | $302,670 |
| 8.2 | 44011 | Avon | 25,317 | $2,334 | $479,159 |
| 8.2 | 44044 | Grafton | 14,721 | — | $315,296 |
| 10.6 | 44028 | Columbia Station | 9,671 | — | $404,457 |
| 10.7 | 44012 | Avon Lake | 25,752 | $2,170 | $428,882 |
| 10.8 | 44138 | Olmsted Falls | 23,162 | $1,966 | $300,993 |
| 11.4 | 44049 | Kipton | 246 | — | $143,910 |
| 11.5 | 44070 | North Olmsted | 31,924 | $1,847 | $273,175 |
| 12.0 | 44145 | Westlake | 34,104 | $1,878 | $421,528 |
| 12.3 | 44089 | Vermilion | 15,654 | $1,995 | $272,003 |
| 13.2 | 44140 | Bay Village | 15,984 | $2,700 | $422,319 |
| 13.9 | 44017 | Berea | 18,279 | $1,320 | $240,036 |
| 13.9 | 44280 | Valley City | 5,503 | — | $492,107 |
| 14.6 | 44090 | Wellington | 10,670 | — | $289,373 |
| 14.6 | 44253 | Litchfield | 3,552 | — | $401,511 |
| 14.7 | 44149 | Strongsville | 21,098 | $2,550 | $379,858 |
| 15.3 | 44126 | Cleveland | 16,976 | $1,290 | $281,215 |
| 15.4 | 44889 | Wakeman | 7,500 | — | $279,107 |
| 16.1 | 44142 | Brook Park | 18,284 | $1,125 | $214,996 |
| 16.1 | 44116 | Rocky River | 21,532 | $1,439 | $400,196 |
| 16.5 | 44135 | Cleveland | 28,022 | $1,432 | $155,957 |
| 17.0 | 44136 | Strongsville | 24,946 | $2,004 | $356,084 |
| 17.8 | 44212 | Brunswick | 45,889 | $1,740 | $319,395 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.