CLEVELAND, Ohio — A recent study found Cleveland to be among the top 20 most affordable U.S. metros to buy or rent a home. Clever Real Estate, an online real estate resource, ranked the metros based on several factors, including a home-buying affordability ratio, which was calculated by dividing the median home value by the median household income, as well as rental rates. The study also looked at insurance rates, property rates and energy costs, for 100 of the largest metros in the country.