Cleveland, Texas.
Typical home $222,084 (-4.5% in a year), asking rent $1,656 (+4.5%). Houston-The Woodlands-Sugar Land, TX metro.
to buy the typical home at today's mortgage rate — +$523 (+81%) since Jan 2020.
- 1 year
- Down $10,385 -4%
- $232,469$222,084 since Sep 2025
- 5 years
- Up $2,934 +1%
- $219,150$222,084 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.
- Cleveland$1,166
- Texas$1,556
- United States$1,922
Typical home values in Cleveland, TX fell 4.5% over the past year — slower than the nation's +1.2%.
Asking rents in Cleveland, TX rose 4.5% over the past year — faster than the nation's +2.7%.
Owning the typical home in Cleveland runs $35/mo less than renting one. The gap peaked at $107 in Apr 2024.
That is $1,621 a month against $1,656 rent: a $1,166 mortgage payment, plus $217 property tax and $238 insurance & upkeep.
Owning vs renting — Cleveland
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$1,621
- Renting$1,656
- Mortgage only$1,166
Property tax · $217/mo 1.17% of value a year — the ACS 2020-2024 median bill over the median home value for Liberty County, TX
Insurance & upkeep · $238/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.
Living in Cleveland, Liberty County, Texas
Cleveland is a city of 7,471 people in Liberty County. 63% of its homes are lived in by their owners and 37% are rented. Unemployment in Liberty County was 6.0% in August 2026, and the county had 1.1% more jobs in 2025 than the year before. The most residents work in schools and health care, then government.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Cleveland is a small Texas city in Liberty County, with a population younger than much of the country and more homes lived in by their owners than rented. Incomes in the county are somewhat below the national picture, and a good number of residents live below the poverty line. Few adults hold a four-year degree.
Work. Residents work mostly in schools, hospitals and social care, with government, the building trades and retail also employing many. Among the largest workplaces in Cleveland are Cleveland ISD, Cleveland Emergency Hospital and Brookshire Brothers. Commutes tend to be long, and some people work from home.
Things to do. For time outdoors, Sam Houston National Forest is a protected area a longer drive away, and Lake Livingston is a reservoir that is also a longer drive. Grand Texas Theme Park, an amusement park, is likewise a longer drive from town. Winters are mild with little or no snow, summers are hot, and the year brings plenty of rain.
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- 2,789households
- 10%of adults have a degree
- 19%below the poverty line
- 37 mintypical commute
- 11%work from home
What residents work in
Employed residents by industry, from the Census survey. Liberty County had 20,335 jobs in 2025, 1.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 61° and lows near 39°; warmest in August, with highs near 92° and lows near 71°. About 56 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Cleveland weather station, 2 miles away (NOAA).
Largest workplaces in Cleveland
- Cleveland ISDSchool district1,900FTE
- Cleveland Emergency HospitalGeneral hospital317FTE
- Cleveland Health Care CenterSkilled nursing facilities95
- Brookshire BrothersGrocery stores68
- ClevelandMail and parcel delivery53
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 216 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningVery high
- TornadoesVery high
- Cold wavesRelatively high
- Hurricanesrelatively high in parts of ClevelandRelatively moderate
- Ice stormsRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Cleveland’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Liberty County and the Houston-The Woodlands-Sugar Land, TX metro.
Cleveland home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cleveland$222,084
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 5 Cleveland listings, and the typical home goes pending in 78 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Cleveland19.82%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Cleveland78
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Cleveland463
New listings per month
Sellers arriving at the market.
- Cleveland65
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Cleveland$231,806
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Cleveland95.65%
Zip codes with a Cleveland address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cleveland — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Cleveland
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 77327 | Cleveland | 42,685 | $1,579 | $207,054 |
| 77328 | Cleveland | 17,208 | $1,807 | $252,337 |