ZIP 44140

44140 is one of 52 ZIP codes that lie mostly in Cuyahoga County, OH.

Shaded by typical home value, it ranks 2 of the 39 nearby ZIPs shown.

5 school locations in 44140: 3 elementary, 1 middle, 1 high.

In alphabetical order: Bay High School, Bay Middle School, Glenview Center for Childcare and Learning, Normandy Elementary School, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 44140 was worth $164,641.

Values peaked at $426,468 in August 2026. The latest reading is the peak.

As of August 2026: $426,468, +4.5% over twelve months.

Start with the typical home: $426,468. Put 20% down and borrow $341,174 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,362 a month in principal and interest.

The median household here earns $122,083 a year, $10,174 a month. So the payment takes 23.2% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 9.0% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $986.

In December 2020, with rates at 2.68%, it was $948.

By August 2026, at 6.67%, it was $2,194 — +132% since December 2020, while the home's value moved +46%.

Reported values rose +159% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $324,936. So the real change is +31%, not +159%.

44140: +159% since January 2000.

Cuyahoga County: +107% since January 2000.

Ohio: +133% since January 2000 — 44140 ran ahead of it by 26 points.

Owning the typical home costs about $2,789 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $2,700 a month.

Price divided by a year's rent: 13.2. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 26 a month (Redfin, 3-month rolling data through August 2026). That is 69% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 35.

Going out — closed sales: about 23 a month. That is 68% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 1.5 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 3 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 23 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 32 — so sales ran at 72% of it, and below it in 22 of the last 24 months.

Across Cuyahoga County, builders pulled permits for 1,896 new homes in 2025.

Of those, 40% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Cuyahoga County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 9,796 moved in. Among the ten receiving the most, 12,251 moved out.

Net across those counties: −2,455 households. Beside it, homes for sale in this ZIP: 35 in June 2026.

Most arrivals came from Lorain, OH (2,213 households); most departures went to Lorain, OH (2,947).

County assessor records list 140 properties with a market value here. Their average assessed market value is $420,400; the typical home value is $426,468.

The assessor average sits −1.4% from the market figure — an average against a typical value, so treat it as a check, not a verdict.