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City · 311,224 residents · Hamilton County, Ohio

Cincinnati , Ohio

In Cincinnati, a typical home is worth $230,900 and typical rent is $1,001 a month. Compared with all of Hamilton County, typical household income is 27% lower, typical rent is 7% lower, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $230,900

    5% below the county

    7% above Ohio

    • Cincinnati
    • Hamilton
    • Ohio

  • Typical rent

    $1,001a month

    7% below the county

    3% below Ohio

    • Cincinnati
    • Hamilton
    • Ohio

  • Typical household income

    $52,909a year

    27% below the county

    26% below Ohio

    • Cincinnati
    • Hamilton
    • Ohio

  • Households that own their home

    40%

    19 points below the county

    27 points below Ohio

    • Cincinnati
    • Hamilton
    • Ohio

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$245,743
about the same as 12 months ago
Typical rent
$1,432 a month
2.6% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Cincinnati 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Cincinnati apart

What this place has that others do not, from public data, most unusual first.

  1. Cincinnati has the 6th lowest homeownership rate of the 292 cities in Ohio with more than 5,000 people (40%).

  2. Nearby, in Cheviot, the typical home value is $153,000: 34% less than in Cincinnati ($230,900).

  3. The typical household income in Cincinnati is $52,909, 27% less than in Hamilton County as a whole ($72,470).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Cincinnati

What homes there are in Cincinnati, 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

Homes in Cincinnati are varied: detached houses are the largest group, at 38%, against 58% in Hamilton County.

Year built

The typical home in Cincinnati was built in 1951, 12 years before the typical one in Hamilton County.

There are fewer big homes in Cincinnati than in Hamilton County: 37% have 3 bedrooms or more, against 55%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA loan limit for Hamilton County is $541,287, and about 87% of owner-occupied homes in Cincinnati are worth less than that.

Monthly rent with utilities

By rent, most homes in Cincinnati cost less than HUD's 2-bedroom fair market rent ($1,442): about 75%.

With a mortgage

$1,640 a month

Hamilton County: $1,673 a month

Without a mortgage

$659 a month

Hamilton County: $707 a month

Owners with a mortgage

66%

Hamilton County: 66%

The typical cost for an owner with a mortgage in Cincinnati is $1,640 a month, near the figure in Hamilton County ($1,673).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Cincinnati gained value faster than in Hamilton County: 67% against 56%.

Rents in Cincinnati rose at about the same pace as in Hamilton County: 36% since 2015–2019, against 33%.

Housing prices ran ahead of income in Cincinnati: typical income rose 30%, against +67% for home values and +36% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCincinnatiHamilton CountyOhioUnited States
Rental vacancy 4.7%4.4%4.4%5.5%
Homeowner vacancy 1.1%0.6%0.8%0.9%
More than one person per room 2.4%1.9%1.5%3.4%
People per household 2.062.292.372.53
Drive alone 65%71%75%69%
Carpool 7%7%8%9%
Public transit 5%3%1%3%
Walk or bike 6%3%2%3%
Work from home 15%15%13%15%
Other means 2%2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Cincinnati, the rental vacancy rate is 4.7%, about the same as in Hamilton County.

More than one person per room: that is how 2.4% of households in Cincinnati live, near the figure in Hamilton County (1.9%).

On average, a household in Cincinnati has 2.06 people, fewer than in Hamilton County (2.29).

To get to work, 65% of workers in Cincinnati drive alone; in Hamilton County, 71%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Cincinnati?

A typical home costs more than the typical income allows

We start with a typical home in Cincinnati, worth $230,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 45% of the typical household income in Cincinnati, which is $52,909 a year. For that payment to be 28% of income, a household would need to earn about $85,620 a year.

The calculator's FHA and conventional loan limits are those of all of Hamilton County.

Your numbers

Local data
$

Starts at the typical home value in Cincinnati. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,082 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,998

at 7.18% · 30 years

Loan amount
$226,717
Total interest
$326,193
Paid off in
November 2056

Includes $3,899 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,235 a month

  • Tight

    $1,235 to $1,587 a month

  • Hard

    more than $1,587 a month

    Your payment · 45%

Compared with the typical household income in Cincinnati ($52,909 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,998
Principal & interest$1,536
Property tax$264
Home insurance$96
FHA mortgage insurance (MIP)$102

You need at least $8,082 for the down payment, plus closing costs.

Next step

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.

The city and its county

Cincinnati and Hamilton County

Cincinnati 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).

Cincinnati's own numbers

Typical home value
$230,900
Typical monthly rent
$1,001
Typical yearly household income
$52,909
Households that own their home
40%
Effective property tax rate
1.37%

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.

Everything about Hamilton County

Buying

Buying a home in Cincinnati

A typical home in Cincinnati is worth $230,900: 5% below the county and 7% above Ohio. With the typical household income in Cincinnati ($52,909 a year), a typical home costs 4.4 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.

  • Cincinnati 4.4 years
  • Hamilton 3.3 years
  • Ohio 3.0 years
  • United States 4.1 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.

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

Cincinnati 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
  • Cincinnati $230,900
  • Hamilton $241,900
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Cincinnati $1,001
  • Hamilton $1,075
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Cincinnati $52,909
  • Hamilton $72,470
  • Ohio $71,389
  • United States $80,734
See the full table
Cincinnati next to Hamilton County and Ohio
Measure Cincinnati Hamilton County Ohio U.S.
Typical home value $230,900 $241,900 $214,800 $332,700
Typical monthly rent $1,001 $1,075 $1,034 $1,413
Typical yearly household income $52,909 $72,470 $71,389 $80,734
Households that own their home 40% 59% 67% 65%
Typical yearly property tax $3,169 $3,652 $2,822 $3,119
Effective property tax rate 1.37% 1.51% 1.31% 0.94%
Renters with high rent for their income 50% 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 Cincinnati

For a typical $230,900 home in Cincinnati, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cincinnati's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,998a month

    Least cash to close
    Down payment
    $8,082
    Cash to close
    $15,009
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $102

  • Conventional, 5% down $1,955a month

    Down payment
    $11,545
    Cash to close
    $18,472
    Rate
    7.18%
    Mortgage insurance
    PMI · $110

  • Conventional, 20% down, no PMI $1,611a month

    Down payment
    $46,180
    Cash to close
    $53,107
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,825a month

    Down payment
    $34,635
    Cash to close
    $41,562
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Cincinnati and for Hamilton County.

Property tax

Effective rate in Cincinnati

1.37%of the home’s value each year

$3,169 a year for the typical owner in Cincinnati.

  • Cincinnati 1.37%
  • Hamilton 1.51%
  • Ohio 1.31%

What Ohio publishes Homestead exemption for seniors and people with disabilities (Ohio Department of Taxation)

Exemptions and deadlines in Ohio

Flood risk in Hamilton County

FEMA does not publish these numbers by city: they are for all of Hamilton County.

Homes in the high-risk zone
1%
2,527
Of those, with NFIP insurance
24%
County Ohio U.S.
Homes in the high-risk zone 1% 1.7% 3.5%
Of those, with NFIP insurance 24% 16% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cincinnati

Typical rent in Cincinnati is $1,001 a month: 7% below the county. In Cincinnati, 50% 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.

HUD fair market rent for all of Hamilton County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Cincinnati

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cincinnati has 22 ZIP codes with their own.

For 2 bedrooms it runs from $1,040 in 45232 to $2,160 in 45202.

7 of the 22 are above the fair market rent for Hamilton County ($1,442).

8 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cincinnati 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Cincinnati

HUD lists 263 buildings with rents for lower incomes in Cincinnati. These are the largest.

  • Huntington Meadows Apts 1931 Langdon Farm Rd, Cincinnati 45237 1,165 low-income homes · In service since 1999
  • Villages at Roll Hill 3754 President Dr, Cincinnati 45225 703 low-income homes · For families (513) 542-8333
  • Findlater Gardens 590 Dutch Colony Dr, Cincinnati 45232 653 homes, 649 low-income · Run by Cincinnati Metropolitan Housing Authority · Average payment: $264 a month · Average wait: 25 months (513) 977-5661
  • Winton Terrace 58 Craft St, Cincinnati 45232 691 homes, 608 low-income · Run by Cincinnati Metropolitan Housing Authority · Average payment: $238 a month · Average wait: 13 months (513) 977-5661
  • Millvale - North 3163 Moosewood Ave, Cincinnati 45225 390 homes, 381 low-income · Run by Cincinnati Metropolitan Housing Authority · Average payment: $241 a month · Average wait: 15 months (513) 977-5661

See all 281 buildings in Hamilton County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cincinnati

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.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Cincinnati

No down payment, repair or rent-help program on our list is for Cincinnati or Hamilton County. The ones below are statewide in Ohio: they work in Cincinnati the same as in the rest of the state.

Which programs do I qualify for? All programs in Ohio

  • Your Choice! Down Payment Assistance

    Statewide in Ohio

    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).

    Forgivable

    See the program Official page

  • Mortgage Tax Credit

    Statewide in Ohio

    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).

    Tax credit

    See the program Official page

Housing counselors near Cincinnati

The HUD-approved agencies closest to the center of Cincinnati, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Home Ownership Center of Greater Cincinnati

    2820 Vernon Pl, Cincinnati · 1 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (513) 961-2800

  • Working in Neighborhoods

    1814 Dreman Ave, Cincinnati · 2 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (513) 541-4109

  • Ohio State University Extension - Butler County

    1802 Princeton Road, Hamilton · 18 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (513) 785-6653

Every agency in Hamilton County All counseling agencies in Ohio

Help in Spanish near Cincinnati

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Cincinnati

HUD’s record names them for Cincinnati or Hamilton County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Cincinnati Metropolitan Housing Authority Public housing and Section 8 vouchers (513) 977-5661

All housing agencies in Ohio Source: HUD

Cities

Other cities in Hamilton County

These cities are also in Hamilton County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Hamilton County Housing in Ohio
See 21 more cities in Hamilton County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Cincinnati, with the typical home value.

Neighboring counties

If Hamilton County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Cincinnati.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Cincinnati

Short answers with the numbers for Cincinnati 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 Cincinnati?

The typical home value in Cincinnati is $230,900, 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 Cincinnati?

Typical rent in Cincinnati is $1,001 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 Cincinnati?

Cincinnati 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 Cincinnati?

The typical homeowner in Cincinnati pays $3,169 a year, according to the U.S. Census Bureau. That is 1.37% of the home’s value; in Hamilton County, the rate is 1.51%.

Where can I find free help to buy or rent in Cincinnati?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).