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City · 11,516 residents · Hamilton County, Ohio

Mack , Ohio

In Mack, a typical home is worth $314,400. Compared with all of Hamilton County, typical household income is 68% higher, the typical home value is 30% higher, and the share of households that own their home is 35 points higher.

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  • Typical home value

    $314,400

    30% above the county

    46% above Ohio

    • Mack
    • Hamilton
    • Ohio

  • Typical household income

    $121,609a year

    68% above the county

    70% above Ohio

    • Mack
    • Hamilton
    • Ohio

  • Households that own their home

    94%

    35 points above the county

    27 points above Ohio

    • Mack
    • Hamilton
    • Ohio

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

Mack 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 Mack apart

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

  1. 94% of households in Mack own their home, against 59% in Hamilton County.

  2. The typical household income in Mack is $121,609, 68% more than in Hamilton County as a whole ($72,470).

  3. Nearby, in Cheviot, the typical home value is $153,000: 51% less than in Mack ($314,400).

  4. The typical home in Mack is worth $314,400, 30% more than in Hamilton County as a whole ($241,900).

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

The homes here

Housing in Mack

What homes there are in Mack, 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 Mack, 9 in 10 homes are single-family detached houses; in Hamilton County, 6.

Year built

Here half of the homes date from 1981 or later; in Hamilton County, from 1963 or later.

Homes in Mack are bigger: 93% have 3 bedrooms or more; 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

$1,891 a month

Hamilton County: $1,673 a month

Without a mortgage

$843 a month

Hamilton County: $707 a month

Owners with a mortgage

50%

Hamilton County: 66%

In Mack, 50% of owners have a mortgage, and their typical cost is $1,891 a month, against $1,673 in Hamilton County. Without one it drops to $843.

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

The typical home value in Mack rose 36% since 2015–2019, less than in Hamilton County (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

MeasureMackHamilton 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 2.712.292.372.53
Drive alone 77%71%75%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate3%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 17%15%13%15%
Other means Unreliable estimate2%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Mack are bigger: 2.71 people on average; in Hamilton County, 2.29.

To get to work, 77% of workers in Mack 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 Mack?

A typical home is within reach of the typical income

We start with a typical home in Mack, worth $314,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Mack, which is $121,609 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 Mack. 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 $11,004 (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

$2,762

at 7.18% · 30 years

Loan amount
$308,705
Total interest
$444,155
Paid off in
November 2056

Includes $5,309 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,838 a month

    Your payment · 27%

  • Tight

    $2,838 to $3,648 a month

  • Hard

    more than $3,648 a month

Compared with the typical household income in Mack ($121,609 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,762
Principal & interest$2,091
Property tax$401
Home insurance$131
FHA mortgage insurance (MIP)$139

You need at least $11,004 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

Mack and Hamilton County

Mack 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).

Mack's own numbers

Typical home value
$314,400
Typical yearly household income
$121,609
Households that own their home
94%
Effective property tax rate
1.53%

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 Mack

A typical home in Mack is worth $314,400: 30% above the county and 46% above Ohio. With the typical household income in Mack ($121,609 a year), a typical home costs 2.6 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.

  • Mack 2.6 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

Mack 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
  • Mack $314,400
  • Hamilton $241,900
  • Ohio $214,800
  • United States $332,700
Typical yearly household income
  • Mack $121,609
  • Hamilton $72,470
  • Ohio $71,389
  • United States $80,734
See the full table
Mack next to Hamilton County and Ohio
Measure Mack Hamilton County Ohio U.S.
Typical home value $314,400 $241,900 $214,800 $332,700
Typical yearly household income $121,609 $72,470 $71,389 $80,734
Households that own their home 94% 59% 67% 65%
Typical yearly property tax $4,816 $3,652 $2,822 $3,119
Effective property tax rate 1.53% 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 Mack

For a typical $314,400 home in Mack, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mack's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,762a month

    Least cash to close
    Down payment
    $11,004
    Cash to close
    $20,436
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $139

  • Conventional, 5% down $2,705a month

    Down payment
    $15,720
    Cash to close
    $25,152
    Rate
    7.18%
    Mortgage insurance
    PMI · $149

  • Conventional, 20% down, no PMI $2,236a month

    Down payment
    $62,880
    Cash to close
    $72,312
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,526a month

    Down payment
    $47,160
    Cash to close
    $56,592
    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 Mack and for Hamilton County.

Property tax

Effective rate in Mack

1.53%of the home’s value each year

$4,816 a year for the typical owner in Mack.

  • Mack 1.53%
  • 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 Mack

The Census Bureau publishes no typical rent for Mack. Below are the fair market rents for Hamilton 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 Mack

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mack has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,220 in 45233 to $1,470 in 45052.

1 of the 3 is above the fair market rent for Hamilton County ($1,442).

  • 45052 $1,470$1,930
  • 45233 $1,220$1,610
  • 45248 $1,400$1,840

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

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Mack

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

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

  • Working in Neighborhoods

    1814 Dreman Ave, Cincinnati · 7 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 · 18 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 Mack

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 Mack

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

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Mack

Short answers with the numbers for Mack 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 Mack?

The typical home value in Mack is $314,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hamilton County it is $241,900.

What is the FHA loan limit in Mack?

Mack 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 Mack?

The typical homeowner in Mack pays $4,816 a year, according to the U.S. Census Bureau. That is 1.53% of the home’s value; in Hamilton County, the rate is 1.51%.

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

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).