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Cloverdale village, OH

ZIP 45827 — 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 45827

Median Home Value
$204,900
Median Rent
$390
Affordability Snapshot
$56,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,316/mo PITI).

6%
Rent-to-Income Ratio

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

2.4x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

43.8 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 45827 in Cloverdale village, OH, a household would need roughly $56,000 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 $1,316. That sits below the local median household income ($84,099), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
89.9%+38% vs US avg
x
Vacancy Rate
6.8%-34% vs US avg
x
Broadband Access
77.8%-11% vs US avg
x
4+ Bedrooms
2.3%-85% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
61.1%+23% vs US avg
x
Mortgage-Free
45.6%+19% vs US avg
x
$204,900
Home Value
$390
Rent
1980
Year Built
1999
Moved In

Residents have lived here since ~1999 on average

Housing Structure

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

  • 1-unit detached84.6%
  • 1-unit attached0.6%
  • 2-9 units0.0%
  • 10+ units0.2%
  • Mobile home & other14.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$204,900
Median rent$390
Owner-occupied89.9%
Vacant6.8%
Price-to-income2.4x
Est. income to buy$56,000