Cleveland, Ohio.
Typical home $115,810 (-0.8% in a year), asking rent $1,359 (+4.3%). Cleveland-Elyria, OH metro.
Property tax and schools in Cleveland
Cleveland’s own tax page → what a home here pays, who charges it, its levies and ballot, and its schools.
Cleveland is in Cuyahoga County, where its property tax is set. Its homes there are in 3 school districts: Berea City, Cleveland Municipal and Shaker Heights City. Check your own bill.
to buy the typical home at today's mortgage rate — +$330 (+119%) since Jan 2020.
- 1 year
- Down $939 -1%
- $116,750$115,810 since Sep 2025
- 5 years
- Up $16,093 +16%
- $99,718$115,810 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$608
- Ohio$1,291
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 23 years.
Typical home values in Cleveland, OH fell 0.8% over the past year — slower than the nation's +1.2%.
Asking rents in Cleveland, OH rose 4.3% over the past year — faster than the nation's +2.7%.
Owning the typical home in Cleveland runs $434/mo less than renting one. The gap peaked at $458 in Sep 2020.
That is $925 a month against $1,359 rent: a $608 mortgage payment, plus $193 property tax and $124 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$925
- Renting$1,359
- Mortgage only$608
Property tax · $193/mo 2.00% of value a year — the ACS 2020-2024 median bill over the median home value for Cuyahoga County, OH
Insurance & upkeep · $124/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, Cuyahoga County, Ohio
Cleveland is a city of 372,624 people in Cuyahoga County. Half its households earn more than $40,801 a year and half less, against $64,468 across Cuyahoga County; 31% of its people live below the poverty line. 42% of its homes are lived in by their owners and 58% are rented. Unemployment in Cleveland was 2.2% in August 2026, and Cuyahoga County had 1.8% fewer 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. Cleveland is a large city on the shore of Lake Erie and the biggest in Cuyahoga County. Its residents are somewhat younger than in most American communities, and household incomes run well below the county's. Most households rent rather than own, and homes cost less than in many other parts of the country. Winters are cold, with January the coldest month, and summers are warm, with July the warmest; the year brings a fair amount of rain and melted snow.
Work. Many Clevelanders work in schools, hospitals and social care, with manufacturing, professional and business services, and restaurants, hotels and entertainment also employing many. Hospitals are among the largest workplaces in the city, including the Cleveland Clinic Main Campus and UH Cleveland Medical Center, and Cleveland Municipal Schools is another big employer. The job market has shifted over the past year, with the county adding fewer jobs than before, and fewer adults here hold a four-year degree than in many other places.
Things to do. The Rock and Roll Hall of Fame, a museum devoted to the history of rock music, sits in or beside the city, as does Progressive Field, a ballpark where baseball is played. A short drive away, the Cleveland Museum of Art holds a wide collection and is one of the city's best known institutions. For a longer outing, Cuyahoga Valley National Park is a longer drive away and offers a change of scenery from the city.
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- 169,683households
- 22%of adults have a degree
- 31%below the poverty line
- 22 mintypical commute
- 12%work from home
What residents work in
Employed residents by industry, from the Census survey. Cuyahoga County had 692,694 jobs in 2025, 1.8% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 35° and lows near 24°; warmest in July, with highs near 81° and lows near 68°. About 33 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Cleveland Burke Airport weather station, 3 miles away (NOAA).
Largest employers in Cleveland
- Cleveland Clinic51,351
- University Hospitals25,936
- U.S. Federal Government16,665
- The MetroHealth System7,688
- City of Cleveland7,457
- Cuyahoga County7,074
- Sherwin-Williams Co.6,462
- VA Northeast Ohio Healthcare System6,090
From the City of Cleveland’s annual financial report for 2024, its schedule of principal employers (its source: “Number of employees from Crain's Cleveland: Book of Lists 2025, Largest Cuyahoga County Employers; FTEs as of 6/30/2024”), as Ohio’s Auditor of State publishes it: the report. Employees as the report counts them.
Natural hazards
- Cold wavesrelatively high in parts of ClevelandRelatively 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, very 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 Cuyahoga County and the Cleveland-Elyria, OH 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$115,810
- Ohio$245,982
- United States$366,157
Sellers are cutting prices on about 1 in 4 Cleveland listings, and the typical home goes pending in 18 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.
- Cleveland25.37%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Cleveland18
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Cleveland1,380
New listings per month
Sellers arriving at the market.
- Cleveland400
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Cleveland$120,873
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Cleveland98.24%
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 |
|---|---|---|---|---|
| 44111 | Cleveland | 42,021 | $1,271 | $160,828 |
| 44102 | Cleveland | 39,952 | $1,356 | $130,988 |
| 44109 | Cleveland | 39,428 | $1,128 | $146,322 |
| 44105 | Cleveland | 32,115 | $1,187 | $73,706 |
| 44135 | Cleveland | 28,022 | $1,432 | $155,957 |
| 44106 | Cleveland | 25,120 | $1,413 | $198,975 |
| 44113 | Cleveland | 20,250 | $1,672 | $309,124 |
| 44108 | Cleveland | 19,381 | $1,159 | $74,039 |
| 44104 | Cleveland | 18,902 | $1,118 | $75,269 |
| 44110 | Cleveland | 17,009 | $1,073 | $82,517 |
| 44103 | Cleveland | 13,941 | $1,113 | $75,114 |
| 44119 | Cleveland | 13,243 | $1,164 | $135,756 |
| 44115 | Cleveland | 10,011 | $1,649 | $165,516 |
| 44114 | Cleveland | 7,488 | $1,629 | $200,242 |
| 44127 | Cleveland | 4,239 | $1,150 | $54,112 |