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Cleveland city, OH

ZIP 44105 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 44105

Median Home Value
$56,400
Median Rent
$685
Affordability Snapshot
$16,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$362/mo PITI).

21%
Rent-to-Income Ratio

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

1.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

6.9 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 44105 in Cleveland city, OH, a household would need roughly $16,000 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 $362. That sits below the local median household income ($38,294), 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

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
47.5%-27% vs US avg
x
Vacancy Rate
16.7%+62% vs US avg
x
Broadband Access
78.5%-10% vs US avg
x
4+ Bedrooms
3.0%-79% vs US avg
x
Built Pre-1939
12.2%-4% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
23.1%-54% vs US avg
x
Mortgage-Free
60.3%+58% vs US avg
x
$56,400
Home Value
$685
Rent
1938
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached61.6%
  • 1-unit attached3.6%
  • 2-9 units30.3%
  • 10+ units4.2%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$56,400
Median rent$685
Owner-occupied47.5%
Vacant16.7%
Price-to-income1.5x
Est. income to buy$16,000