In Cheviot, a typical home is worth $153,000 and typical rent is $878 a month. Compared with all of Hamilton County, the typical home value is 37% lower, typical household income is 27% lower, and the share of households that own their home is 5 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $138,833 to $180,935.
Typical rent
$1,168a month
Typical rent from Zillow, March 2026 to September 2026: from $1,120 to $1,168.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Cheviot is in Hamilton County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Hamilton County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Cheviot is worth $153,000,37% less than in Hamilton County as a whole ($241,900).
2
The typical household income in Cheviot is $53,132,27% less than in Hamilton County as a whole ($72,470).
3
According to Zillow, in the 12 months to September 2026 the typical home value in Cheviot barely changed; in Ohio, it rose 3.2%.
4
The typical rent in Cheviot is $878 a month, 18% less than in Hamilton County as a whole ($1,075).
5
54% of households in Cheviot own their home, against 59% in Hamilton County.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Cheviot
What homes there are in Cheviot, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Cheviot
Hamilton County
Ohio
United States
Kind of home: Cheviot and its comparisons
Measure
Cheviot
Hamilton County
Ohio
United States
Detached house
60%
58%
69%
61%
Attached house
Unreliable estimate
5%
5%
6%
Building of 2 to 4
18%
13%
8%
8%
Apartments (5 or more)
Unreliable estimate
24%
15%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Cheviot, 6 in 10 homes are single-family detached houses, about the same as in Hamilton County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Cheviot
Hamilton County
Ohio
United States
Year built: Cheviot and its comparisons
Measure
Cheviot
Hamilton County
Ohio
United States
Before 1960
67%
46%
38%
26%
1960–1979
29%
27%
26%
24%
1980–1999
Unreliable estimate
16%
20%
25%
2000–2009
Unreliable estimate
6%
10%
14%
2010 or later
Unreliable estimate
5%
7%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K22%
$100K–$200K55%
$200K–$300K22%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Cheviot and its comparisons
Measure
Cheviot
Under $100K
22%
$100K–$200K
55%
$200K–$300K
22%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99963%
$1,000–$1,49923%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Cheviot and its comparisons
Measure
Cheviot
Under $500
Unreliable
$500–$999
63%
$1,000–$1,499
23%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,176 a month
Hamilton County: $1,673 a month
Without a mortgage
$589 a month
Hamilton County: $707 a month
Owners with a mortgage
61%
Hamilton County: 66%
In Cheviot, 61% of owners have a mortgage, and their typical cost is $1,176 a month, against $1,673 in Hamilton County. Without one it drops to $589.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Cheviot+60%
Hamilton County+56%
Ohio+47%
United States+53%
Typical rent
Cheviot+18%
Hamilton County+33%
Ohio+28%
United States+33%
Typical household income
CheviotNo clear change
Hamilton County+27%
Ohio+26%
United States+29%
Change since 2015–2019: Cheviot and its comparisons
Measure
Cheviot
Hamilton County
Ohio
United States
Typical home value
+60%
+56%
+47%
+53%
Typical rent
+18%
+33%
+28%
+33%
Typical household income
No clear change
+27%
+26%
+29%
Since 2015–2019, homes in Cheviot gained value faster than in Hamilton County: 60% against 56%.
The typical rent in Cheviot rose 18% over the same time; in Hamilton County, it rose 33%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Cheviot and its comparisons
Measure
Cheviot
Hamilton County
Ohio
United States
Rental vacancy
Unreliable estimate
4.4%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.9%
1.5%
3.4%
People per household
2.34
2.29
2.37
2.53
Drive alone
72%
71%
75%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
3%
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
19%
15%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in Cheviot has 2.34 people on average, about the same as in Hamilton County (2.29).
Many people here do not commute at all: 19% work from home; in Hamilton County, 15%.
Do the math
What would you pay each month for a home in Cheviot?
A typical home is tight for the typical income
We start with a typical home in Cheviot, worth $153,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Cheviot, which is $53,132 a year. For that payment to be 28% of income, a household would need to earn about $58,210 a year.
The calculator's FHA and conventional loan limits are those of all of Hamilton County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Cheviot. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $5,355 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,358
at 7.18% · 30 years
Loan amount
$150,229
Total interest
$216,144
Paid off in
November 2056
Includes $2,584 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,240 a month
Tight
$1,240 to $1,594 a month
Your payment · 31%
Hard
more than $1,594 a month
Compared with the typical household income in Cheviot ($53,132 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,018
Property tax
$209
Home insurance
$64
FHA mortgage insurance (MIP)
$68
You need at least $5,355 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $1,358; principal and interest $1,018.
The city and its county
Cheviot and Hamilton County
Cheviot is in Hamilton County, Ohio. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Cheviot
Map of Hamilton County, Ohio, with Cheviot marked. Around it, the neighboring counties.
Cheviot
Hamilton County
Other cities with a page
Cheviot's own numbers
Typical home value
$153,000
Typical monthly rent
$878
Typical yearly household income
$53,132
Households that own their home
54%
Effective property tax rate
1.64%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Hamilton County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,442
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
1%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Hamilton County.
A typical home in Cheviot is worth $153,000: 37% below the county and 29% below Ohio. With the typical household income in Cheviot ($53,132 a year), a typical home costs 2.9 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Cheviot2.9 years
Hamilton3.3 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Hamilton County
According to FHFA’s house price index, home prices in Hamilton County rose 99% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Hamilton County.
Yearly change in FHFA’s price index in Hamilton County, 2016 to 2025
2016: +4.3% +4.3% 2016
2017: +5.2% +5.2% 2017
2018: +6.6% +6.6% 2018
2019: +4.8% +4.8% 2019
2020: +4.9% +4.9% 2020
2021: +11.0% +11.0% 2021
2022: +14.8% +14.8% 2022
2023: +9.8% +9.8% 2023
2024: +6.2% +6.2% 2024
2025: +4.0% +4.0% 2025
Change in FHFA’s price index in Hamilton County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+4.0%
+4.8%
+2.9%
5 years (2020–2025)
+54%
+53%
+47%
10 years (2015–2025)
+99%
+93%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Cheviot next to Hamilton County, Ohio and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Cheviot$153,000
Hamilton$241,900
Ohio$214,800
United States$332,700
Typical monthly rent
Cheviot$878
Hamilton$1,075
Ohio$1,034
United States$1,413
Typical yearly household income
Cheviot$53,132
Hamilton$72,470
Ohio$71,389
United States$80,734
See the full table
Cheviot next to Hamilton County and Ohio
Measure
Cheviot
Hamilton County
Ohio
U.S.
Typical home value
$153,000 ▼37% below the county
$241,900
$214,800
$332,700
Typical monthly rent
$878 ▼18% below the county
$1,075
$1,034
$1,413
Typical yearly household income
$53,132 ▼27% below the county
$72,470
$71,389
$80,734
Households that own their home
54% ▼5 points below the county
59%
67%
65%
Typical yearly property tax
$2,510 ▼31% below the county
$3,652
$2,822
$3,119
Effective property tax rate
1.64% ▲0.13 points above the county
1.51%
1.31%
0.94%
Renters with high rent for their income
53% ▲4 points above the county
49%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hamilton County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Cheviot
For a typical $153,000 home in Cheviot, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cheviot's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,358a month
Least cash to close
Down payment
$5,355
Cash to close
$9,945
Rate
7.18%
Mortgage insurance
FHA MIP · $68
Conventional, 5% down$1,330a month
Down payment
$7,650
Cash to close
$12,240
Rate
7.18%
Mortgage insurance
PMI · $73
Conventional, 20% down, no PMI$1,102a month
Down payment
$30,600
Cash to close
$35,190
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,243a month
Down payment
$22,950
Cash to close
$27,540
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Cheviot
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,358
$5,355
$150,229
7.18%
FHA MIP · $68
$9,945
580
Conventional, 5% down
$1,330
$7,650
$145,350
7.18%
PMI · $73
$12,240
620*
Conventional, 20% down, no PMI
$1,102
$30,600
$122,400
7.18%
None
$35,190
620*
ITIN, 15% down (example)
$1,243
$22,950
$130,050
8.18%
None
$27,540
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Cheviot is $878 a month: 18% below the county. In Cheviot, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Hamilton County, by unit size. To pay the 2-bedroom one ($1,442 a month) without spending more than 30% of your income, you would need to earn $27.73 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Hamilton County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,052
$20.23
$42,080
1 bedroom
$1,128
$21.69
$45,120
2 bedrooms
$1,442
$27.73
$57,680
3 bedrooms
$1,897
$36.48
$75,880
4 bedrooms
$2,141
$41.17
$85,640
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Cheviot
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cheviot is in ZIP code 45211.
For 2 bedrooms it is $1,210: $232 less than the fair market rent for Hamilton County ($1,442).
Fair market rent by ZIP code and size in Cheviot, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
45211
$880
$950
$1,210
$1,590
$1,800
ZIP code2 bd3 bd
45211 $1,210$1,590
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cheviot when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
There are 2 HUD-approved agencies with an office in Hamilton County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Cheviot or Hamilton County. The ones below are statewide in Ohio: they work in Cheviot the same as in the rest of the state.
Ohio state agency help of 2.5% or 5% of the price for the down payment, closing costs or other costs before closing, forgiven after seven years; if you sell sooner, you repay all of it.Offered by Ohio Housing Finance Agency (OHFA).
Ohio state agency certificate that turns part of your mortgage interest into a credit on your federal tax return, up to $2,000 a year: 40% with an OHFA mortgage (MTC Plus) or 15% to 20% with another mortgage (MTC Basic).Offered by Ohio Housing Finance Agency (OHFA).
No legal help resource on our list is for Cheviot or Hamilton County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Cheviot and all of Hamilton County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Cheviot?
The typical home value in Cheviot is $153,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hamilton County it is $241,900.
How much does it cost to rent in Cheviot?
Typical rent in Cheviot is $878 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hamilton County is $1,442.
What is the FHA loan limit in Cheviot?
Cheviot uses the FHA limit for all of Hamilton County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Cheviot?
The typical homeowner in Cheviot pays $2,510 a year, according to the U.S. Census Bureau. That is 1.64% of the home’s value; in Hamilton County, the rate is 1.51%.
Where can I find free help to buy or rent in Cheviot?
There are 2 HUD-approved counseling agencies with an office in Hamilton County. They can help you get ready to buy, with your credit, or with rent.
