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Eastlake city, OH

ZIP 44095 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 44095

Median Home Value
$162,600
Median Rent
$860
Affordability Snapshot
$45,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,044/mo PITI).

15%
Rent-to-Income Ratio

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

2.3x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

15.8 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 44095 in Eastlake city, OH, a household would need roughly $45,000 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 $1,044. That sits below the local median household income ($69,778), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
75.9%+16% vs US avg
x
Vacancy Rate
4.9%-53% vs US avg
x
Broadband Access
89.3%+3% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
8.9%-30% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
16.1%-68% vs US avg
x
Mortgage-Free
36.7%-4% vs US avg
x
$162,600
Home Value
$860
Rent
1960
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached83.3%
  • 1-unit attached2.1%
  • 2-9 units5.3%
  • 10+ units9.1%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$162,600
Median rent$860
Owner-occupied75.9%
Vacant4.9%
Price-to-income2.3x
Est. income to buy$45,000