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City · 11,973 residents · Hamilton County, Ohio

Dent , Ohio

In Dent, a typical home is worth $282,500 and typical rent is $1,108 a month. Compared with all of Hamilton County, typical household income is 20% higher, the typical home value is 17% higher, and the share of households that own their home is 23 points higher.

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  • Typical home value

    $282,500

    17% above the county

    32% above Ohio

    • Dent
    • Hamilton
    • Ohio

  • Typical rent

    $1,108a month

    3% above the county

    7% above Ohio

    • Dent
    • Hamilton
    • Ohio

  • Typical household income

    $86,636a year

    20% above the county

    21% above Ohio

    • Dent
    • Hamilton
    • Ohio

  • Households that own their home

    83%

    23 points above the county

    15 points above Ohio

    • Dent
    • Hamilton
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$269,675
1% less than 12 months ago
Typical rent
$1,180 a month

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

Dent 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 Dent apart

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

  1. 83% of households in Dent own their home, against 59% in Hamilton County.

  2. Nearby, in Bridgetown, the typical home value is $183,600: 35% less than in Dent ($282,500).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Dent fell 1%; in Ohio, it rose 3.2%.

  4. The typical household income in Dent is $86,636, 20% more than in Hamilton County as a whole ($72,470).

  5. The typical home in Dent is worth $282,500, 17% more than in Hamilton County as a whole ($241,900).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Dent

What homes there are in Dent, 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

In Dent, 6 in 10 homes are single-family detached houses, about the same as in Hamilton County.

Year built

The typical home in Dent was built in 1995, 32 years after the typical one in Hamilton County.

There is more room for a big family here: 60% of homes have 3 bedrooms or more, against 55% in Hamilton County.

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
Monthly rent with utilities

With a mortgage

$1,813 a month

Hamilton County: $1,673 a month

Without a mortgage

$803 a month

Hamilton County: $707 a month

Owners with a mortgage

62%

Hamilton County: 66%

Owning costs more in Dent: with a mortgage, the typical cost is $1,813 a month; in Hamilton County, $1,673. Without one, $803.

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

Dent does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Hamilton County the typical home value rose 56%.

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

MeasureDentHamilton CountyOhioUnited States
Rental vacancy Unreliable estimate4.4%4.4%5.5%
Homeowner vacancy Unreliable estimate0.6%0.8%0.9%
More than one person per room Unreliable estimate1.9%1.5%3.4%
People per household 2.462.292.372.53
Drive alone 82%71%75%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate3%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 13%15%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Dent has 2.46 people, more than in Hamilton County (2.29).

The car rules in Dent: 82% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.

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 Dent?

A typical home is tight for the typical income

We start with a typical home in Dent, worth $282,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Dent, which is $86,636 a year. For that payment to be 28% of income, a household would need to earn about $105,158 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 Dent. 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 $9,888 (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

$2,454

at 7.18% · 30 years

Loan amount
$277,383
Total interest
$399,089
Paid off in
November 2056

Includes $4,771 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,022 a month

  • Tight

    $2,022 to $2,599 a month

    Your payment · 34%

  • Hard

    more than $2,599 a month

Compared with the typical household income in Dent ($86,636 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,454
Principal & interest$1,879
Property tax$332
Home insurance$118
FHA mortgage insurance (MIP)$125

You need at least $9,888 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

Dent and Hamilton County

Dent 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).

Dent's own numbers

Typical home value
$282,500
Typical monthly rent
$1,108
Typical yearly household income
$86,636
Households that own their home
83%
Effective property tax rate
1.41%

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 Dent

A typical home in Dent is worth $282,500: 17% above the county and 32% above Ohio. With the typical household income in Dent ($86,636 a year), a typical home costs 3.3 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.

  • Dent 3.3 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

Dent 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
  • Dent $282,500
  • Hamilton $241,900
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Dent $1,108
  • Hamilton $1,075
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Dent $86,636
  • Hamilton $72,470
  • Ohio $71,389
  • United States $80,734
See the full table
Dent next to Hamilton County and Ohio
Measure Dent Hamilton County Ohio U.S.
Typical home value $282,500 $241,900 $214,800 $332,700
Typical monthly rent $1,108 $1,075 $1,034 $1,413
Typical yearly household income $86,636 $72,470 $71,389 $80,734
Households that own their home 83% 59% 67% 65%
Typical yearly property tax $3,996 $3,652 $2,822 $3,119
Effective property tax rate 1.41% 1.51% 1.31% 0.94%
Renters with high rent for their income 39% 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 Dent

For a typical $282,500 home in Dent, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dent's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,454a month

    Least cash to close
    Down payment
    $9,888
    Cash to close
    $18,363
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $125

  • Conventional, 5% down $2,402a month

    Down payment
    $14,125
    Cash to close
    $22,600
    Rate
    7.18%
    Mortgage insurance
    PMI · $134

  • Conventional, 20% down, no PMI $1,981a month

    Down payment
    $56,500
    Cash to close
    $64,975
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,242a month

    Down payment
    $42,375
    Cash to close
    $50,850
    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 Dent and for Hamilton County.

Property tax

Effective rate in Dent

1.41%of the home’s value each year

$3,996 a year for the typical owner in Dent.

  • Dent 1.41%
  • 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 Dent

Typical rent in Dent is $1,108 a month: 3% above the county. In Dent, 39% 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 Dent

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dent has 2 ZIP codes with their own.

For 2 bedrooms it is $1,400 in all of them.

None is above the fair market rent for Hamilton County ($1,442).

  • 45247 $1,400$1,840
  • 45248 $1,400$1,840

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Dent 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?

Free help

Help to buy or rent in Dent

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 smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Dent

No down payment, repair or rent-help program on our list is for Dent or Hamilton County. The ones below are statewide in Ohio: they work in Dent 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 Dent

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

  • Working in Neighborhoods

    1814 Dreman Ave, Cincinnati · 6 miles away

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

  • Home Ownership Center of Greater Cincinnati

    2820 Vernon Pl, Cincinnati · 10 miles away

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

  • Neighborhood Housing Services of Hamilton, Inc.

    100 S Martin Luther King Jr Blvd, Hamilton · 15 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (513) 737-9301

Every agency in Hamilton County All counseling agencies in Ohio

Help in Spanish near Dent

1 of the 3 agencies on this list says it serves 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 Dent

In HUD’s record, no housing authority with an office in Hamilton County is named for Dent or Hamilton County.

One other authority has an office in Hamilton County: see the list 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 Dent, 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 Dent.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Dent

Short answers with the numbers for Dent 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 Dent?

The typical home value in Dent is $282,500, 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 Dent?

Typical rent in Dent is $1,108 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 Dent?

Dent 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 Dent?

The typical homeowner in Dent pays $3,996 a year, according to the U.S. Census Bureau. That is 1.41% of the home’s value; in Hamilton County, the rate is 1.51%.

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

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).