In Hamilton, a typical home is worth $165,200 and typical rent is $1,007 a month. Compared with all of Butler County, the typical home value is 36% lower, typical household income is 32% lower, and the share of households that own their home is 16 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $230,432 to $303,382.
Typical rent
$1,438a month
▲ 5.3% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,009 to $1,438.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Hamilton is in Butler 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 Butler County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in Hamilton is worth $165,200,36% less than in Butler County as a whole ($258,500).
2
The typical household income in Hamilton is $55,166,32% less than in Butler County as a whole ($81,590).
3
54% of households in Hamilton own their home, against 70% in Butler County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Hamilton
What homes there are in Hamilton, 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
Hamilton
Butler County
Ohio
United States
Kind of home: Hamilton and its comparisons
Measure
Hamilton
Butler County
Ohio
United States
Detached house
69%
72%
69%
61%
Attached house
4%
5%
5%
6%
Building of 2 to 4
12%
7%
8%
8%
Apartments (5 or more)
15%
13%
15%
19%
Mobile home
Unreliable estimate
2%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Hamilton, but it weighs less than in Butler County: 69% against 72%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Hamilton
Butler County
Ohio
United States
Year built: Hamilton and its comparisons
Measure
Hamilton
Butler County
Ohio
United States
Before 1960
58%
26%
38%
26%
1960–1979
20%
26%
26%
24%
1980–1999
10%
26%
20%
25%
2000–2009
8%
14%
10%
14%
2010 or later
4%
8%
7%
11%
In Hamilton, half of the homes were built before 1956; in Butler County, before 1979.
Homes in Hamilton are smaller: 49% have 3 bedrooms or more; in Butler County, 67%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K21%
$100K–$200K44%
$200K–$300K21%
$300K–$500K12%
$500K–$750K1%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Hamilton and its comparisons
Measure
Hamilton
Under $100K
21%
$100K–$200K
44%
$200K–$300K
21%
$300K–$500K
12%
$500K–$750K
1%
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
By price, most homes in Hamilton sit under the FHA limit for Butler County ($541,287): about 98%.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5007%
$500–$99942%
$1,000–$1,49939%
HUD fair market rent, 2 bedrooms: $1,442
$1,500–$1,9999%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Hamilton and its comparisons
Measure
Hamilton
Under $500
7%
$500–$999
42%
$1,000–$1,499
39%
$1,500–$1,999
9%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
By rent, most homes in Hamilton cost less than HUD's 2-bedroom fair market rent ($1,442): about 84%.
With a mortgage
$1,210 a month
Butler County: $1,665 a month
Without a mortgage
$507 a month
Butler County: $619 a month
Owners with a mortgage
58%
Butler County: 65%
The typical cost for an owner with a mortgage in Hamilton is $1,210 a month, less than in Butler County ($1,665); without one, $507.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Hamilton+54%
Butler County+50%
Ohio+47%
United States+53%
Typical rent
Hamilton+25%
Butler County+29%
Ohio+28%
United States+33%
Typical household income
Hamilton+17%
Butler County+23%
Ohio+26%
United States+29%
Change since 2015–2019: Hamilton and its comparisons
Measure
Hamilton
Butler County
Ohio
United States
Typical home value
+54%
+50%
+47%
+53%
Typical rent
+25%
+29%
+28%
+33%
Typical household income
+17%
+23%
+26%
+29%
From 2015–2019 to 2020–2024, the typical home value in Hamilton rose 54%; in Butler County, it rose 50%.
Since 2015–2019, the typical rent in Hamilton rose 25%, less than in Butler County (29%).
The typical household income in Hamilton rose 17%: less than home values (+54%) and rent (+25%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Hamilton and its comparisons
Measure
Hamilton
Butler County
Ohio
United States
Rental vacancy
4.2%
4.5%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
0.8%
0.9%
More than one person per room
1.5%
1.8%
1.5%
3.4%
People per household
2.48
2.60
2.37
2.53
Drive alone
76%
75%
75%
69%
Carpool
12%
8%
8%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
3%
2%
2%
3%
Work from home
7%
13%
13%
15%
Other means
2%
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Open rentals in Hamilton look like those in Butler County: the rental vacancy rate is 4.2%.
More than one person per room: that is how 1.5% of households in Hamilton live, near the figure in Butler County (1.8%).
A household in Hamilton has 2.48 people on average, about the same as in Butler County (2.60).
Carpooling is common in Hamilton: 12% of workers get to work that way, against 8% in Butler County.
Do the math
What would you pay each month for a home in Hamilton?
A typical home is tight for the typical income
We start with a typical home in Hamilton, worth $165,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Hamilton, which is $55,166 a year. For that payment to be 28% of income, a household would need to earn about $59,488 a year.
The calculator's FHA and conventional loan limits are those of all of Butler 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 Hamilton. 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 $5,782 (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
$1,388
at 7.18% · 30 years
Loan amount
$162,208
Total interest
$233,379
Paid off in
November 2056
Includes $2,790 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,287 a month
Tight
$1,287 to $1,655 a month
Your payment · 30%
Hard
more than $1,655 a month
Compared with the typical household income in Hamilton ($55,166 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,099
Property tax
$147
Home insurance
$69
FHA mortgage insurance (MIP)
$73
You need at least $5,782 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 $1,388; principal and interest $1,099.
The city and its county
Hamilton and Butler County
Hamilton is in Butler 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).
Hamilton
Map of Butler County, Ohio, with Hamilton marked. Around it, the neighboring counties.
Hamilton
Butler County
Other cities with a page
Hamilton's own numbers
Typical home value
$165,200
Typical monthly rent
$1,007
Typical yearly household income
$55,166
Households that own their home
54%
Effective property tax rate
1.07%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Butler 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)
+59%
Homes in a high flood-risk zone
1.4%
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 Butler County.
A typical home in Hamilton is worth $165,200: 36% below the county and 23% below Ohio. With the typical household income in Hamilton ($55,166 a year), a typical home costs 3.0 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.
Hamilton3.0 years
Butler3.2 years
Ohio3.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Butler County
According to FHFA’s house price index, home prices in Butler County rose 104% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Butler County.
Yearly change in FHFA’s price index in Butler County, 2016 to 2025
2016: +3.6% +3.6% 2016
2017: +5.8% +5.8% 2017
2018: +6.2% +6.2% 2018
2019: +5.2% +5.2% 2019
2020: +4.4% +4.4% 2020
2021: +12.2% +12.2% 2021
2022: +15.8% +15.8% 2022
2023: +9.5% +9.5% 2023
2024: +6.5% +6.5% 2024
2025: +5.1% +5.1% 2025
Change in FHFA’s price index in Butler County, Ohio and the United States
Period
County
Ohio
U.S.
Last year (2025)
+5.1%
+4.8%
+2.9%
5 years (2020–2025)
+59%
+53%
+47%
10 years (2015–2025)
+104%
+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
Hamilton next to Butler 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
Hamilton$165,200
Butler$258,500
Ohio$214,800
United States$332,700
Typical monthly rent
Hamilton$1,007
Butler$1,135
Ohio$1,034
United States$1,413
Typical yearly household income
Hamilton$55,166
Butler$81,590
Ohio$71,389
United States$80,734
See the full table
Hamilton next to Butler County and Ohio
Measure
Hamilton
Butler County
Ohio
U.S.
Typical home value
$165,200 ▼36% below the county
$258,500
$214,800
$332,700
Typical monthly rent
$1,007 ▼11% below the county
$1,135
$1,034
$1,413
Typical yearly household income
$55,166 ▼32% below the county
$81,590
$71,389
$80,734
Households that own their home
54% ▼16 points below the county
70%
67%
65%
Typical yearly property tax
$1,761 ▼44% below the county
$3,141
$2,822
$3,119
Effective property tax rate
1.07% ▼0.15 points below the county
1.22%
1.31%
0.94%
Renters with high rent for their income
45% ▼3 points below the county
48%
46%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Butler 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 Hamilton
For a typical $165,200 home in Hamilton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hamilton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,388a month
Least cash to close
Down payment
$5,782
Cash to close
$10,738
Rate
7.18%
Mortgage insurance
FHA MIP · $73
Conventional, 5% down$1,358a month
Down payment
$8,260
Cash to close
$13,216
Rate
7.18%
Mortgage insurance
PMI · $78
Conventional, 20% down, no PMI$1,111a month
Down payment
$33,040
Cash to close
$37,996
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,264a month
Down payment
$24,780
Cash to close
$29,736
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Hamilton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,388
$5,782
$162,208
7.18%
FHA MIP · $73
$10,738
580
Conventional, 5% down
$1,358
$8,260
$156,940
7.18%
PMI · $78
$13,216
620*
Conventional, 20% down, no PMI
$1,111
$33,040
$132,160
7.18%
None
$37,996
620*
ITIN, 15% down (example)
$1,264
$24,780
$140,420
8.18%
None
$29,736
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 Hamilton is $1,007 a month: 11% below the county. In Hamilton, 45% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Butler 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 Butler 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 Hamilton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hamilton has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,330 in 45013 to $1,410 in 45015.
None is above the fair market rent for Butler County ($1,442).
2-bedroom fair market rent in each of the 3 ZIP codes of Hamilton, beside the one for Butler County. For 2 bedrooms it runs from $1,330 in 45013 to $1,410 in 45015. None is above the fair market rent for Butler County ($1,442).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,442
Lowest: $1,330 (45013)Highest: $1,410 (45015)
Fair market rent by ZIP code and size in Hamilton, fiscal year 2027.
45011
$1,000
$1,070
$1,370
$1,800
$2,030
45013
$970
$1,040
$1,330
$1,750
$1,970
45015
$1,030
$1,100
$1,410
$1,860
$2,090
ZIP code2 bd3 bd
45011 $1,370$1,800
45013 $1,330$1,750
45015 $1,410$1,860
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Hamilton 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 Butler County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Hamilton or Butler County. The ones below are statewide in Ohio: they work in Hamilton 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 Hamilton or Butler 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 Hamilton and all of Butler 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 Hamilton?
The typical home value in Hamilton is $165,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Butler County it is $258,500.
How much does it cost to rent in Hamilton?
Typical rent in Hamilton is $1,007 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Butler County is $1,442.
What is the FHA loan limit in Hamilton?
Hamilton uses the FHA limit for all of Butler 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 Hamilton?
The typical homeowner in Hamilton pays $1,761 a year, according to the U.S. Census Bureau. That is 1.07% of the home’s value; in Butler County, the rate is 1.22%.
Where can I find free help to buy or rent in Hamilton?
There are 2 HUD-approved counseling agencies with an office in Butler County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
