Cuyahoga County, OH Closing Cost Calculator
Estimated closing costs for a home purchase in Cuyahoga County including OH-specific transfer taxes.
Estimated closing costs for a $110,000 home with 20% down
Low estimate
$2,340
High estimate
$4,368
Cost Breakdown (Mid Estimate)
| Origination Fee | $660 |
| Title Insurance | $500 |
| Appraisal | $600 |
| OH Transfer Taxes & Fees | $310 |
| Prepaid Items (escrow) | $550 |
| Other Fees | $500 |
| Total (Mid) | $3,120 |
Estimates only. Actual costs vary by lender and transaction.
Local Home Values & Affordability
At a median of $110,000, Cuyahoga County sits 65% below the national median of $310,000 — making it one of the more affordable markets in our dataset and well within FHA financing range.
A 20% down payment on a median Cuyahoga County home requires $22,000 in cash — or $3,850 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.
Property Tax in This Market
Cuyahoga County's effective property tax rate of 1.82% is 65% above the 1.10% national average across the markets we track — placing it among the top 30% highest-tax counties in our dataset.
Based on the 1.82% effective rate and a median home value of $110,000, a typical homeowner in Cuyahoga County pays approximately $2,002 in annual property taxes — or $167 per month added to their mortgage payment.
Sources: Tax Foundation 2025
Homeowners Insurance Costs
Homeowners insurance in Cuyahoga County runs approximately $1,200/year ($100/month), in line with the national average of $1,600.
Premium quotes in Cuyahoga County typically range from $850 to $1,800 per year depending on home age, construction type, coverage limits, and your insurer. Always get multiple quotes.
Sources: NAIC 2024
Loan Limits & Financing Options
A buyer purchasing the median Cuyahoga County home ($110,000) with FHA's minimum 3.5% down would borrow $106,150 — well within the $541,287 baseline FHA limit for this county. FHA financing is a viable option for most buyers here.
With 20% down on a median-priced home, the loan amount of $88,000 stays $744,750 below the $832,750 conforming limit — giving buyers access to conventional Fannie/Freddie pricing without jumbo underwriting.
Sources: HUD ML 2025-23, FHFA 2026
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