Cuyahoga County, Ohio financial profile

The typical home costs 2.8 times the median household income, inside the 3–4× range lenders traditionally treat as comfortable.

We use data from Census ACS median home value and data from Census ACS median household income.

House prices in this county moved 53.5% over five years, which on today's median value is about $58,805 of the price.

We use data from FHFA House Price Index (5-year) and data from Census ACS median home value.

FEMA’s National Risk Index rates this county “Relatively High” for overall natural hazard risk on its own national scale (composite risk score 98.0), and it has been inside 4 federal disaster declarations in the last 15 years, led by cold wave. That is what drives homeowners insurance pricing.

We use data from FEMA National Risk Index and data from FEMA disaster declarations (15 years).

19.6% of mortgage applications here are denied, versus 17.7% nationally — 1.9 points harder than the national picture.

We use data from CFPB HMDA county aggregates and data from CFPB HMDA national aggregates.

The benchmark silver plan for a 40-year-old runs $540 a month here. Before subsidies that is 10.8% of the median household income, across 8 insurers selling on the marketplace.

We use data from CMS Marketplace QHP rate files and data from Census ACS median household income.

At 17.0¢ per kilowatt-hour, a typical 900 kWh month costs about $153 — 3.0% of the median household income over a year.

We use data from EIA average retail electricity price and data from Census ACS median household income.

Feeding two adults and two school-age children at USDA's low-cost plan runs about $1,125 a month (6/2026 prices) — 22.5% of the median household income here, before rent, energy or health cover.

We use data from USDA Food Plans: Cost of Food at Home, June 2026 (June 2026) (household-adjusted) and data from Census ACS median household income.

NAIC puts the average Ohio car insurance premium at $1,038 a year and the average owner-occupied HO-3 homeowners premium at $1,116 (2023 data). Together that is 3.6% of the median household income in this county. Both figures are state averages — NAIC does not publish county premiums, so we never break them down further, and an average premium reflects each state's coverage limits, deductibles, risk and regulation rather than the price of cover alone.

We use data from NAIC auto and homeowners insurance reports (state) and data from Census ACS median household income.

The Ohio average HO-3 premium of $1,116 works out at $6.62 for every $1,000 of the $168,700 median home value in this county. High-hazard states such as Louisiana, Florida and Oklahoma sit far above the national picture on this measure.

We use data from NAIC homeowners report, HO-3 state average and data from Census ACS median home value.