Ohio Case Study

Ohio is home to approximately 3.1 million homeowners, with an estimated 2.1 million homeowners being eligible for HAF assistance based on income. The 10 Ohio counties facing the highest foreclosure risk (outlined in pink) have a predicted foreclosure rate between 2.7 and 3.0 percent. Homeowners in Ohio’s highest-risk counties are majority white and tend to live in rural areas, with the exception of Cuyahoga County, where Cleveland is located.

Predicted foreclosure rate, by county

Source: Urban Institute.


Share of homeowners of color, by census tract

Source: 2019 American Community Survey.

The Ohio counties with the largest number of homeowners earning less than 100 percent of the area median income (AMI) and with the largest number of homeowners of color are not the same counties facing the highest foreclosure risk (outlined in pink).

Number of homeowners earning less than 100 percent of the AMI, by county

Sources: 2019 American Community Survey and Urban Institute calculations.

Rather, the areas where homeowners earning less than 100 percent of the AMI account for the largest shares of total homeowners have the highest predicted foreclosure rates (outlined in pink). This relationship does not always hold in the other direction, as some counties with large shares of homeowners earning less than 100 percent of the AMI have moderate foreclosure risk, an indication that other factors influence their foreclosure risk.

Share of homeowners earning less than 100 percent of the AMI, by county

Sources: 2019 American Community Survey and Urban Institute calculations.