44053 Property Tax Rate
Lorain, Ohio · Part of Lorain County
Effective Tax Rate
1.31%
7.7% above state avgMedian Annual Tax
$2,481
$207/mo escrow
Estimate Your Tax
Annual Tax
$2,481
Monthly
$207
Eff. Rate
1.31%
Buyer decision brief
What ZIP 44053 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$207/mo
Based on median annual tax paid
State context
0.07 percentage points above the Ohio average
Ohio average: 1.24%
Data confidence
High confidenceThe Census margin of error is $146, about 6% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Lorain County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 44053 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$146 tax MOE, 6% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Lorain County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 44053
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $189,500, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.31%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Ohio and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $207 per month before insurance, HOA dues, or special assessments.
Assessor verification
Lorain County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 44053 Compares
Median Annual Property Tax
ZIP 44053
1.31%
Effective rate
Ohio Avg
1.24%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Ohio
Higher than 66% of ZIP codes in Ohio(66th percentile, 1,116 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 44053
Property owners in ZIP code 44053 (Lorain, Ohio) pay a median of $2,481/year in property taxes on homes valued at $189,500. This translates to an effective tax rate of 1.31%, which is 6% above the Ohio state average of 1.24%.
The monthly property tax burden for a median-valued home in 44053 is approximately $207, which factors into escrow payments on mortgages. This ZIP code is located within Lorain County.
Compared to similar ZIP codes in Ohio, 44053 has higher property taxes. ZIP codes with similar effective rates include 44856 (1.31%) and 44507 (1.31%).
In Lorain, property taxes represent approximately 3.8% of the median household income of $65,332, providing context for the relative tax burden on homeowners in this area.
Lorain County reassesses all properties every three years according to Ohio law, with the county auditor conducting revaluations on a three-year rotating schedule. All primary residence owners automatically receive a 2.5% Owner-Occupancy Credit on their tax bill, and seniors 65+ plus disabled homeowners qualify for the Homestead Exemption to reduce assessed value — file the exemption with the Lorain County Auditor's office immediately after your purchase closes. The Lorain County Auditor (440) 329-5700 will provide your revaluation year and process your Homestead Exemption application to ensure maximum tax relief for your primary residence.
Frequently Asked Questions
What is the property tax rate in ZIP code 44053?
How much are property taxes in Lorain, OH (44053)?
How does ZIP 44053 compare to the Ohio average?
What is the median home value in ZIP 44053?
What county is ZIP code 44053 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$146. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 44053 is part of Lorain County, Ohio. View the full county profile for broader context and more data.
View Lorain County on TaxByCounty →Explore Lorain, OH
View all 3 ZIP codes in Lorain with property tax comparisons.
View Lorain Property Tax Rates →Why compare these ZIPs?
Better comparison set for ZIP 44053
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
44049
Kipton, OH
0.13 percentage points lower than ZIP 44053.
Rate
1.17%
Tax
$1,594
Quality
84
45243
Cincinnati, OH
$427,400 higher median home value than ZIP 44053.
Rate
1.50%
Tax
$9,278
Quality
94
45174
Terrace Park, OH
$391,500 higher median home value than ZIP 44053.
Rate
1.72%
Tax
$10,001
Quality
70
43021
Galena, OH
$335,300 higher median home value than ZIP 44053.
Rate
1.61%
Tax
$8,475
Quality
82
43212
Columbus, OH
$325,300 higher median home value than ZIP 44053.
Rate
1.65%
Tax
$8,482
Quality
94
43215
Columbus, OH
0.29 percentage points lower than ZIP 44053.
Rate
1.02%
Tax
$5,170
Quality
89
44040
Gates Mills, OH
$308,100 higher median home value than ZIP 44053.
Rate
2.01%
Tax
$10,001
Quality
70
43456
Put In Bay, OH
0.59 percentage points lower than ZIP 44053.
Rate
0.72%
Tax
$3,567
Quality
84
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.