Skip to content
Purchase Mortgage Loan
Get Pre-Approved

FHA loans in Cleveland Heights, OH

Quick answer

The 2026 FHA loan limit in Cleveland Heights, OH (Cuyahoga County) is $541,287 for a single-family home, enough for a purchase price up to about $560,000 with 3.5% down. On the $176,700 median home value, that down payment is about $6,185 and the estimated payment is $1,547/month at 7.18%, which needs roughly $67,000 a year in income.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $72,302; value-to-income ratio 2.44. Cleveland Heights ranks 100 by home value and 25 by population among 186 places in our OH dataset.

What does an FHA loan cost on a typical Cleveland Heights home?

ItemCleveland Heights
Median home value (Census ACS)$176,700
Ohio median home value$199,200
Down payment (3.5%)$6,185
Loan incl. 1.75% upfront MIP$173,500
Estimated monthly payment (PITI + MI)$1,547
Income needed (28% / 36%)$67,000 / $52,000
Cuyahoga County 2026 FHA limit (1 unit)$541,287
Max purchase price at the limit$560,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Ohio's 1.36% effective property tax rate (Census ACS), $1,116/yr homeowners insurance (NAIC state average) and 0.55% annual FHA MIP.

What is the 2026 FHA loan limit in Cleveland Heights?

Cleveland Heights is in Cuyahoga County where HUD's 2026 one-unit FHA limit is $541,287. With the minimum 3.5% down, that caps the purchase price at about $560,000; above that you'd need a bigger down payment or a conventional loan (conforming limit $832,750).

The Cleveland Heights median home value of $176,700 is 11% below the Ohio median, and within what the county limit supports.

Which down payment assistance programs can Cleveland Heights buyers use?

FHA loans in nearby cities

East ClevelandUniversity HeightsSouth EuclidShaker HeightsLyndhurstBeachwood

FHA loan FAQs for Cleveland Heights

Cleveland Heights is in Cuyahoga County, where HUD's 2026 FHA limit for a one-unit home is $541,287. With 3.5% down, that supports a purchase price up to about $560,000.

3.5% of $176,700 is about $6,185 with a 580+ credit score (10%, or $17,670, with a 500–579 score), plus closing costs.

At the $176,700 median value (below the Ohio median of $199,200), the estimated payment of $1,547/month at 7.18% needs about $67,000 a year under the 28% housing guideline, or $52,000 if your total debts stay under 36%.

0 city-level, 1 county-level and 1 statewide programs are verified for this city (2 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

Get matched with FHA lenders in Cleveland Heights

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.