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City · 7,687 residents · Hamilton County, Ohio

Dry Run , Ohio

In Dry Run, a typical home is worth $472,200 and typical rent is $2,300 a month. Compared with all of Hamilton County, typical household income is 177% higher, typical rent is 114% higher, and the share of households that own their home is 37 points higher.

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  • Typical home value

    $472,200

    95% above the county

    120% above Ohio

    • Dry Run
    • Hamilton
    • Ohio

  • Typical rent

    $2,300a month

    114% above the county

    122% above Ohio

    • Dry Run
    • Hamilton
    • Ohio

  • Typical household income

    $200,530a year

    177% above the county

    181% above Ohio

    • Dry Run
    • Hamilton
    • Ohio

  • Households that own their home

    97%

    37 points above the county

    29 points above Ohio

    • Dry Run
    • Hamilton
    • Ohio

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

Market now, with Zillow data

Zillow data
Typical home value
$545,834
3.1% more than 12 months ago

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

Dry Run 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 Dry Run apart

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

  1. 97% of households in Dry Run own their home, against 59% in Hamilton County.

  2. The typical rent in Dry Run is $2,300 a month, 114% more than in Hamilton County as a whole ($1,075).

  3. The typical household income in Dry Run is $200,530, 177% more than in Hamilton County as a whole ($72,470).

  4. The typical home in Dry Run is worth $472,200, 95% more than in Hamilton County as a whole ($241,900).

  5. Nearby, in Milford, the typical rent is $940: 59% less than in Dry Run ($2,300).

  6. Nearby, in Withamsville, the typical home value is $229,400: 51% less than in Dry Run ($472,200).

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

The homes here

Housing in Dry Run

What homes there are in Dry Run, 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

The detached house rules in Dry Run: 100% of homes, more than in Hamilton County (58%).

Year built

The typical home in Dry Run was built in 1986, 23 years after the typical one in Hamilton County.

In Dry Run, 98% of homes have 3 bedrooms or more, more than in Hamilton County (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
Monthly rent with utilities

With a mortgage

$2,991 a month

Hamilton County: $1,673 a month

Without a mortgage

$1,148 a month

Hamilton County: $707 a month

Owners with a mortgage

69%

Hamilton County: 66%

Owning costs more in Dry Run: with a mortgage, the typical cost is $2,991 a month; in Hamilton County, $1,673. Without one, $1,148.

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

From 2015–2019 to 2020–2024, the typical home value in Dry Run rose 40%; in Hamilton County, it 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

MeasureDry RunHamilton 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 3.042.292.372.53
Drive alone 72%71%75%69%
Carpool 4%7%8%9%
Public transit Unreliable estimate3%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 23%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 Dry Run has 3.04 people, more than in Hamilton County (2.29).

Working from home is more common in Dry Run: 23%, against 15% in Hamilton County.

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 Dry Run?

A typical home is within reach of the typical income

We start with a typical home in Dry Run, worth $472,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Dry Run, which is $200,530 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 Dry Run. 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 $16,527 (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

$4,267

at 7.18% · 30 years

Loan amount
$463,647
Total interest
$667,080
Paid off in
November 2056

Includes $7,974 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,679 a month

    Your payment · 26%

  • Tight

    $4,679 to $6,016 a month

  • Hard

    more than $6,016 a month

Compared with the typical household income in Dry Run ($200,530 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,267
Principal & interest$3,141
Property tax$720
Home insurance$197
FHA mortgage insurance (MIP)$209

You need at least $16,527 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

Dry Run and Hamilton County

Dry Run 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).

Dry Run's own numbers

Typical home value
$472,200
Typical monthly rent
$2,300
Typical yearly household income
$200,530
Households that own their home
97%
Effective property tax rate
1.83%

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 Dry Run

A typical home in Dry Run is worth $472,200: 95% above the county and 120% above Ohio. With the typical household income in Dry Run ($200,530 a year), a typical home costs 2.4 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.

  • Dry Run 2.4 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

Dry Run 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
  • Dry Run $472,200
  • Hamilton $241,900
  • Ohio $214,800
  • United States $332,700
Typical monthly rent
  • Dry Run $2,300
  • Hamilton $1,075
  • Ohio $1,034
  • United States $1,413
Typical yearly household income
  • Dry Run $200,530
  • Hamilton $72,470
  • Ohio $71,389
  • United States $80,734
See the full table
Dry Run next to Hamilton County and Ohio
Measure Dry Run Hamilton County Ohio U.S.
Typical home value $472,200 $241,900 $214,800 $332,700
Typical monthly rent $2,300 $1,075 $1,034 $1,413
Typical yearly household income $200,530 $72,470 $71,389 $80,734
Households that own their home 97% 59% 67% 65%
Typical yearly property tax $8,623 $3,652 $2,822 $3,119
Effective property tax rate 1.83% 1.51% 1.31% 0.94%

“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 Dry Run

For a typical $472,200 home in Dry Run, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Dry Run's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,267a month

    Least cash to close
    Down payment
    $16,527
    Cash to close
    $30,693
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $209

  • Conventional, 5% down $4,180a month

    Down payment
    $23,610
    Cash to close
    $37,776
    Rate
    7.18%
    Mortgage insurance
    PMI · $224

  • Conventional, 20% down, no PMI $3,476a month

    Down payment
    $94,440
    Cash to close
    $108,606
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,912a month

    Down payment
    $70,830
    Cash to close
    $84,996
    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 Dry Run and for Hamilton County.

Property tax

Effective rate in Dry Run

1.83%of the home’s value each year

$8,623 a year for the typical owner in Dry Run.

  • Dry Run 1.83%
  • 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 Dry Run

Typical rent in Dry Run is $2,300 a month: 114% above the county.

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 Dry Run

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Dry Run is in ZIP code 45244.

For 2 bedrooms it is $1,470: $28 more than the fair market rent for Hamilton County ($1,442).

  • 45244 $1,470$1,930

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Dry Run 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 Dry Run

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.

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Dry Run

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

The HUD-approved agencies closest to the center of Dry Run, 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 · 9 miles away

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

  • Working in Neighborhoods

    1814 Dreman Ave, Cincinnati · 12 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 · 23 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 Dry Run

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 Dry Run

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

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Dry Run

Short answers with the numbers for Dry Run 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 Dry Run?

The typical home value in Dry Run is $472,200, 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 Dry Run?

Typical rent in Dry Run is $2,300 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 Dry Run?

Dry Run 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 Dry Run?

The typical homeowner in Dry Run pays $8,623 a year, according to the U.S. Census Bureau. That is 1.83% of the home’s value; in Hamilton County, the rate is 1.51%.

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

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).