44052
Lorain, Ohio.
Lorain, Lorain County, OH · Cleveland-Elyria, OH metro · population 28,282
to buy the typical home at today's mortgage rate — +$450 (+161%) since Jan 2020.
- 1 year
- Up $7,104 +5%
- $131,924$139,028 since Sep 2025
- 5 years
- Up $39,754 +40%
- $99,274$139,028 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.
- 44052$730
- United States$1,932
At the last five years' pace, a typical home here doubles in price every 10 years.
Typical home values in zip 44052 rose 5.4% over the past year — faster than the nation's +1.2%.
Asking rents in zip 44052 rose 0.6% over the past year — slower than the nation's +2.7%.
Owning the typical home in zip 44052 runs $22/mo less than renting one. The gap peaked at $110 in Feb 2026.
That is $1,037 a month against $1,059 rent: a $730 mortgage payment, plus $159 property tax and $149 insurance & upkeep.
Owning vs renting — zip 44052
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$1,037
- Renting$1,059
- Mortgage only$730
Property tax · $159/mo 1.37% of value a year — the ACS 2020-2024 median bill over the median home value for Lorain County, OH
Insurance & upkeep · $149/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 44052, by share of its land: Lorain City 90% · Clearview Local 6% · Amherst Exempted Village 2%. Which one a home is in is printed on its tax bill.
Zillow also publishes an index for the city itself: Lorain, OH — measured over the city limits, which is a different area from this zip.
Asking rent — 44052
Against the Cleveland-Elyria, OH metro and the national benchmark.
- 44052$1,059
- Cleveland$1,440
- United States$1,932
Within 20 miles
| 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 |
|---|---|---|---|---|---|
| 2.1 | 44055 | Lorain | 20,043 | $1,194 | $127,380 |
| 3.6 | 44054 | Sheffield Lake | 12,806 | — | $227,574 |
| 3.7 | 44053 | Lorain | 21,084 | $1,004 | $246,174 |
| 6.4 | 44035 | Elyria | 62,179 | $1,380 | $187,718 |
| 7.4 | 44011 | Avon | 25,317 | $2,334 | $479,159 |
| 7.9 | 44001 | Amherst | 21,448 | — | $280,785 |
| 8.0 | 44012 | Avon Lake | 25,752 | $2,170 | $428,882 |
| 8.8 | 44039 | North Ridgeville | 36,780 | $2,110 | $332,624 |
| 11.5 | 44089 | Vermilion | 15,654 | $1,995 | $272,003 |
| 12.0 | 44145 | Westlake | 34,104 | $1,878 | $421,528 |
| 12.1 | 44140 | Bay Village | 15,984 | $2,700 | $422,319 |
| 12.2 | 44074 | Oberlin | 11,745 | — | $274,128 |
| 12.9 | 44070 | North Olmsted | 31,924 | $1,847 | $273,175 |
| 13.6 | 44138 | Olmsted Falls | 23,162 | $1,966 | $300,993 |
| 14.4 | 44044 | Grafton | 14,721 | — | $315,296 |
| 14.4 | 44050 | Lagrange | 7,059 | — | $302,670 |
| 15.0 | 44049 | Kipton | 246 | — | $143,910 |
| 15.3 | 44028 | Columbia Station | 9,671 | — | $404,457 |
| 16.0 | 44126 | Cleveland | 16,976 | $1,290 | $281,215 |
| 16.1 | 44116 | Rocky River | 21,532 | $1,439 | $400,196 |
| 16.6 | 44017 | Berea | 18,279 | $1,320 | $240,036 |
| 17.7 | 44135 | Cleveland | 28,022 | $1,432 | $155,957 |
| 17.9 | 44142 | Brook Park | 18,284 | $1,125 | $214,996 |
| 18.4 | 44889 | Wakeman | 7,500 | — | $279,107 |
| 18.5 | 44814 | Berlin Heights | 2,369 | — | $273,510 |
| 18.6 | 44149 | Strongsville | 21,098 | $2,550 | $379,858 |
| 18.8 | 44107 | Lakewood | 50,018 | $1,422 | $290,254 |
| 19.2 | 44111 | Cleveland | 42,021 | $1,271 | $160,828 |
| 19.4 | 44280 | Valley City | 5,503 | — | $492,107 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.