Elyria, Ohio.
Typical home $186,585 (+4.7% in a year), asking rent $1,176 (+6.9%). Cleveland-Elyria, OH metro.
Property tax and schools in Elyria
Elyria’s own tax page → what a home here pays, who charges it, its levies and ballot, and its schools.
Elyria is in Lorain County, where its property tax is set. Its homes there are in 3 school districts: Elyria City Schools, Keystone Local and Midview Local. Check your own bill.
to buy the typical home at today's mortgage rate — +$562 (+135%) since Jan 2020.
- 1 year
- Up $8,392 +5%
- $178,193$186,585 since Sep 2025
- 5 years
- Up $46,354 +33%
- $140,231$186,585 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.
- Elyria$979
- Ohio$1,291
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in Elyria, OH rose 4.7% over the past year — faster than the nation's +1.2%.
Asking rents in Elyria, OH rose 6.9% over the past year — faster than the nation's +2.7%.
Owning the typical home in Elyria runs $216/mo more than renting one. The gap peaked at $268 in Jan 2025.
That is $1,392 a month against $1,176 rent: a $979 mortgage payment, plus $213 property tax and $200 insurance & upkeep.
Owning vs renting — Elyria
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$1,392
- Renting$1,176
- Mortgage only$979
Property tax · $213/mo 1.37% of value a year — the ACS 2020-2024 median bill over the median home value for Lorain County, OH
Insurance & upkeep · $200/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 Elyria, Lorain County, Ohio
Elyria is a city of 52,656 people in Lorain County. Half its households earn more than $54,945 a year and half less, against $73,347 across Lorain County; 17% of its people live below the poverty line. 60% of its homes are lived in by their owners and 40% are rented. Unemployment in Elyria was 1.9% in August 2026, and Lorain County had 1.5% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
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. Elyria is a city in Lorain County, Ohio, and a good-sized one, with a median age close to that of the country as a whole. Household incomes run well below the county's, and more people live below the poverty line than most would expect in a county this size. Most homes are lived in by their owners, and a typical home costs far less than a typical home in many parts of the country. Winters are cold and snowy, with January the coldest month, while July brings warm summer days and the year is fairly wet.
Work. Many residents work in schools, hospitals and social care, with manufacturing, shops and professional and business services also employing a good number. Among the largest workplaces in Elyria are Lorain County Community College, UH Elyria Medical Center and Emerson Electric. Unemployment has fallen over the past year, and Lorain County has added jobs. Fewer adults hold a four-year degree than in many places, most people travel a moderate distance to work, and only a small number work from home.
Things to do. The Black River runs in or beside town, a natural spot for time near the water. A short drive away are the Allen Memorial Art Museum and Tappan Square, a park. For a longer outing, Cleveland is a longer drive away and has the Rock and Roll Hall of Fame, one of the best known museums of its kind.
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- 22,899households
- 18%of adults have a degree
- 17%below the poverty line
- 23 mintypical commute
- 6%work from home
What residents work in
Employed residents by industry, from the Census survey. Lorain County had 99,738 jobs in 2025, 1.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 36° and lows near 22°; warmest in July, with highs near 85° and lows near 65°. About 44 inches of snow and 42 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Elyria East weather station, 3 miles away (NOAA).
Largest employers in Elyria
- University Hospitals Health System1,962
- Lorain County1,773
- Lorain County Community College1,366
- Elyria City School District712
- Ridge Tool505
- Parker Hannifin Corporation371
- Diamond Products299
- Elyria Foundry Company222
From the City of Elyria’s annual financial report for 2024, its schedule of principal employers (its source: “United States Department of Labor - Bureau of Labor Statistics; Regional Income Tax Agency”), as Ohio’s Auditor of State publishes it: the report. Employees as the report counts them.
Natural hazards
- Ice stormsRelatively moderate
- Strong windRelatively moderate
- Winter weatherRelatively moderate
- TornadoesRelatively moderate
- Cold wavesRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Elyria’s census tracts, against the rest of the country; all of them together, relatively low. 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 Lorain County and the Cleveland-Elyria, OH metro.
Elyria home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Elyria$186,585
- Ohio$245,982
- United States$366,157
Sellers are cutting prices on about 1 in 4 Elyria listings, and the typical home goes pending in 15 days — the market is cooling.
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.
- Elyria25.26%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Elyria15
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Elyria187
New listings per month
Sellers arriving at the market.
- Elyria73
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Elyria$192,720
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Elyria99.38%
Zip codes with a Elyria address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Elyria — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.