This section focuses on the population at risk for losing their home or experiencing homelessness. Data on those who are housing insecure are difficult to find, particularly for those forced to live with friends or family for a short period of time. Thus, many of the numbers in this section are likely an undercount of the total Ohio population experiencing housing insecurity.
Section Highlights
- Over 1 million Ohioans (8.8%) live in a household that spends at least half its income on housing, which puts them at risk of foreclosure or evictions. This includes 325,722 people living in households that are severely mortgage-burdened and 707,820 Ohioans living in severely rent-burdened households.
- Ohio's 90-day delinquency rate rose sharply in 2020 due to the COVID-19 pandemic—peaking at 3.9% in August of that year. The serious delinquency rate has since returned to pre-pandemic lows (1.5% in December 2022). While there were more delinquencies throughout the height of the pandemic, foreclosures remained low due to the federal foreclosure moratorium, which expired on July 31, 2021. As such, Ohio's foreclosure rate reached a historic low of 0.3% in December 2021, but since then, foreclosures have been on the rise (0.5% in December 2022).
- From the start of the pandemic, the threat of eviction loomed large. Thanks to both local and federal moratoria on eviction proceedings, combined with emergency rental assistance, Ohio's eviction filing rate dropped from 6.6% in 2019 to 4.2% in 2020. With the expiration of these eviction moratoria in 2021, however, eviction filings have since returned to near pre-pandemic levels (6.4% in 2022).
- Homelessness among students remains high. Ohio's public and community schools reported that 26,385 students (1.5% of total enrollment) lacked a fixed, regular, and adequate place to sleep during the 2021—2022 school year.
- On a single night in January 2022, over 10,000 people were counted statewide as living in temporary housing, homeless shelters, or on the streets. However, our research shows that the actual number of Ohioans experiencing homelessness is at least seven times larger.
Jump to: Negative Equity & Mortgage Default | Eviction | Homelessness | Housing Insecure Population
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Negative Equity & Mortgage Default
Mortgage Delinquencies by Severity
Source: TrueStandings Servicing, CoreLogic
Monthly 90-Day Delinquency Rate, U.S. & Ohio
Source: Real Estate Analytics Suite, CoreLogic
Monthly Foreclosure Rates for the U.S. & Ohio
Source: Real Estate Analytics Suite, CoreLogic
Annual Negative Equity Shares for the U.S. & Ohio
Source: Real Estate Analytics Suite, CoreLogic
90-Day Delinquency Rate by Region
Source: Real Estate Analytics Suite, CoreLogic
90-Day Delinquency Rate
Source: Real Estate Analytics Suite, CoreLogic
Foreclosure Rate by Region
Source: Real Estate Analytics Suite, CoreLogic
Foreclosure Rate
Source: Real Estate Analytics Suite, CoreLogic
Negative Equity Share by Region
Source: Real Estate Analytics Suite, CoreLogic
Eviction
Eviction Filing Rate
Source: State of Ohio Court Statistics; American Community Survey One-Year Estimates, Table B25003
Eviction Filing Rate by Region
Source: State of Ohio Court Statistics; 2017–2021 American Community Survey Five-Year Estimates, Table B25003
Eviction Filing Rate
Source: State of Ohio Court Statistics; 2017–2021 American Community Survey Five-Year Estimates, Table B25003
Homelessness
Point-in-Time Count by Household Type & Shelter Status
Source: Point-in-Time Count, U.S. Department of Housing and Urban Development
Beds for Homeless Persons by Project Type
Source: Housing Inventory Count, U.S. Department of Housing and Urban Development
Homeless Share of School Enrollment by Region
Source: Ohio Department of Education (public data request, based on 2021–2022 school year data)
Homeless Share of School Enrollment
Source: Ohio Department of Education (public data request, based on 2021–2022 school year data)
Housing Insecure Population
Housing Insecure Population by Tenure
Source: IPUMS-USA, University of Minnesota (based on 2021 one-year estimates)
Housing Insecure Population by Region
Source: IPUMS-USA, University of Minnesota (based on 2021 one-year estimates)