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Cleveland city, OH

ZIP 44109 — 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 44109

Median Home Value
$112,700
Median Rent
$706
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$724/mo PITI).

20%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

13.3 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 44109 in Cleveland city, OH, a household would need roughly $31,000 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 $724. That sits below the local median household income ($43,130), 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 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
48.3%-26% vs US avg
x
Vacancy Rate
16.0%+55% vs US avg
x
Broadband Access
84.9%-2% vs US avg
x
4+ Bedrooms
2.4%-84% vs US avg
x
Built Pre-1939
7.0%-45% vs US avg
x
Built Post-2014
0.0%-99% vs US avg
x
Rent Burden >30%
22.7%-54% vs US avg
x
Mortgage-Free
43.1%+13% vs US avg
x
$112,700
Home Value
$706
Rent
1938
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached51.3%
  • 1-unit attached7.1%
  • 2-9 units26.3%
  • 10+ units15.1%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$112,700
Median rent$706
Owner-occupied48.3%
Vacant16.0%
Price-to-income2.6x
Est. income to buy$31,000