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Elyria city, OH

ZIP 44035 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 44035

Median Home Value
$147,600
Median Rent
$700
Affordability Snapshot
$41,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$948/mo PITI).

15%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.6 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 44035 in Elyria city, OH, a household would need roughly $41,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $948. That sits below the local median household income ($54,362), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
63.1%-4% vs US avg
x
Vacancy Rate
9.4%-9% vs US avg
x
Broadband Access
83.7%-4% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
6.5%-49% vs US avg
x
Built Post-2014
1.1%-84% vs US avg
x
Rent Burden >30%
23.1%-53% vs US avg
x
Mortgage-Free
40.3%+5% vs US avg
x
$147,600
Home Value
$700
Rent
1965
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached66.7%
  • 1-unit attached4.9%
  • 2-9 units13.1%
  • 10+ units11.3%
  • Mobile home & other4.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$147,600
Median rent$700
Owner-occupied63.1%
Vacant9.4%
Price-to-income2.7x
Est. income to buy$41,000