Home Insurance Estimator for Cleveland, OH
Updated 2026 · Local data pre-filled
Home insurance rates vary widely within Ohio, driven by weather risks, construction costs, and local claims history. The median home value in Cleveland is $175,000, and we've pre-filled that as your dwelling coverage starting point. Adjust for your home's actual replacement cost for the most accurate estimate.
✓ Calculator below is pre-filled with Cleveland local data
How Cleveland Compares to the National Average
Understanding how Cleveland stacks up helps you calibrate your financial planning.
| Metric | Cleveland, OH | US Average | Difference |
|---|---|---|---|
| Median Home Price | $175,000 | $420,800 | -58.4% |
| Median Monthly Rent | $950 | $1,713 | -44.5% |
| Median Household Income | $52,600 | $74,580 | -29.5% |
| Property Tax Rate | 1.60% | 1.10% | +45.5% |
| Cost of Living Index | 85 | 100 | -15.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Cleveland Financial Snapshot
- Population (Metro)
- 2,010,000
- Unemployment
- 5.4%
- Avg Commute
- 25 min
- Median Age
- 37.8
- Price-to-Rent Ratio
- 15.4x
- Annual Property Tax
- $2,800
Home Insurance Estimator in Other Ohio Cities
Frequently Asked Questions — Cleveland
What is the median home price in Cleveland, OH?
The median home price in Cleveland is $175,000 as of 2025–2026. This is below the national median of $420,800.
What is the average rent in Cleveland?
Median monthly rent in Cleveland is $950. That works out to $11,400/year, or 22% of the median household income — within the commonly recommended 30% of income guideline.
Is Cleveland affordable?
Cleveland's cost of living index is 85 vs. the national average of 100. With a median household income of $52,600/year and a median home price of $175,000, the price-to-income ratio is 3.3x. Cleveland remains relatively affordable compared to many US metros.
What is the property tax rate in Cleveland?
The effective property tax rate in Cleveland is 1.60% of assessed value. On the median home of $175,000, that's roughly $2,800/year ($233/month).