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FIPS: 39035•Rank #7 National•Rank #1 in OH
Cuyahoga County, OH
Forward-Looking Municipal Debt, Assessment Lag & Carrying Cost Audit
High Tax Drift Risk
96% Conf.
Tax Drift Index
77.1/ 100
High Drift Risk
Cuyahoga County Executive Risk Briefing
MSRB EMMA Disclosures & US Census BureauAugust 2026
Cuyahoga County carries a High Tax Drift Score (77.1/100) based on $8,600 in overlapping municipal debt per capita and a +24.5% CAD assessment lag spread. Projected 3-year millage escalation of +0.38% (+38 bps) indicates an estimated +$1,732/yr escrow adjustment on median-priced properties.
Median Home: $210,000Median Income: $60,000Effective Tax: 2.5%
Municipal Debt Per Capita
$8,600
14.3% of Median Income
CAD Valuation Lag
+24.5%
Assessed Value trailing Market HPI
3-Yr Millage Escalation
+38 bps
Effective Rate: 2.5% → 2.8%
Projected Annual Escrow Shock
+$1,732/yr
Estimated on median assessed home
Interactive Property Tax & Escrow Shock Simulator
Model forward-looking ad valorem tax obligations and monthly escrow adjustments for a specific parcel in Cuyahoga County, OH.
$210,000
$0
Current Annual Tax
$5,145
@ 2.45% eff. rate
Year 3 Projected Tax
$6,877
@ 2.83% eff. rate
Net Escrow Increase
+$1,732/yr
+$144/mo mortgage escrow
Projected Shock Attribution Breakdown+38 bps rate shift
1. Muni Bond Debt Service
+20 bps
I&S bond amortization
2. Operating Deficit Drift
+18 bps
M&O budget expansion
3. CAD Valuation Catch-up
+$819/yr
+$33,443 assessed base
Overlapping Taxing Jurisdictions & Debt Obligations
Breakdown of autonomous debt issuers assessing ad valorem property taxes on parcels within Cuyahoga County.
| Entity Name | Entity Type | Outstanding Bond Debt | Debt / Student or Cap | Adopted Millage |
|---|---|---|---|---|
| Cleveland Metropolitan School District | ISD | $890.0M | $24,500 | 1.380% |
5-Year Historical Drift Score & Effective Rate Trajectory
2022
68
2.3% eff.
2023
71
2.4% eff.
2024
73
2.4% eff.
2025
76
2.4% eff.
2026
77.1
2.5% eff.
Statutory Constraint & Legislative Policy
Cleveland metropolitan area with high effective millage rates funding 31 distinct municipal school districts.
Data Provenance & Audit Citations