Updated April 2026 · U.S. Census Bureau, fiscal year 2023
Is Elyria, OH in Financial Trouble?
Not yet, but Elyria, OH bears watching. Its C grade (50/100) is a middle-of-the-pack reading: the city is meeting today's obligations, but at least one structural factor, debt, pension funding, or thin reserves, is flashing a caution signal that could tighten budgets over the next two to three years.
Elyria, OH Budget Snapshot
| Total Spending | $648.7M |
| Per Capita Spending | $12,290 |
| Total Revenue | $0 |
| Total Debt | $26.2M |
| Debt Per Capita | $497 |
| Population | 52,780 |
| Fiscal Health Score | 50/100 (C) |
| Data Year | FY 2023 |
Fiscal Health Score Breakdown
Elyria's C grade is the weighted average of six factors, each scored 0–100. Its strongest input is Spending Efficiency (100/100); its weakest is Revenue Diversity (0/100). The weakest factor is where budget pressure is most likely to surface first.
What Does the C Grade Mean?
Elyria, OH earns a C on the CitySpend Fiscal Health Score (50/100). The city is meeting current obligations but is exposed on at least one structural front, debt service, pension funding shortfalls, or thin reserves, that warrants close watching over the next two to three budget cycles.
Debt Burden in Context
Debt-wise, Elyria sits close to the peer median for cities its size: $497 per resident versus a peer-group median of $0. That tracks with normal capital-program borrowing for streets, water, and public buildings.
Where the Money Goes
Of the $648.7M that Elyria, OH spent in its most recent reported fiscal year, the largest single line item per resident is Parks & Recreation at $398. Fire Protection comes next at $191 per resident. Together those two functions account for the bulk of every-day taxpayer-facing services in the city budget. The remaining categories, parks, health, housing, debt service, and general administration, fill out the picture.
Top Spending Categories (Per Capita)
Where the Money Comes From
How This Score Is Calculated
The CitySpend Fiscal Health Score combines six factors into one composite, drawn from the U.S. Census Bureau Annual Survey of State and Local Government Finances: budget balance and reserves (25%), debt burden per capita versus peer median (20%), pension funded ratio from the Public Plans Database (20%), spending efficiency (15%), revenue diversity (10%), and three-year trend direction (10%). Best-practice weighting follows guidance from the Government Finance Officers Association (GFOA). Read the full methodology.
More about Elyria, OH
Not yet, but Elyria, OH bears watching. Its C grade (50/100) is a middle-of-the-pack reading: the city is meeting today's obligations, but at least one structural factor, debt, pension funding, or thin reserves, is flashing a caution signal that could tighten budgets over the next two to three years.
The data source behind this answer is the Census Annual Survey of State and Local Government Finances. Every figure on the page traces back to that source; the methodology page describes the inputs and the refresh cadence in full detail.
For readers turning this answer into action: cross-reference against the underlying the Census Annual Survey of State and Local Government Finances record before acting on time-sensitive decisions. The site renders the data as it was published; subsequent revisions can shift the picture, and the live federal data is always the authoritative current reference.