In Miami Heights, a typical home is worth $327,300. Compared with all of Hamilton County, typical household income is 63% higher, the typical home value is 35% higher, and the share of households that own their home is 39 points higher.
Miami Heights 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
What this place has that others do not, from public data, most unusual first.
1
Miami Heights has the highest homeownership rate of the 292 cities in Ohio with more than 5,000 people: 98%.
2
The typical household income in Miami Heights is $118,125,63% more than in Hamilton County as a whole ($72,470).
3
Nearby, in Cheviot, the typical home value is $153,000: 53% less than in Miami Heights ($327,300).
4
The typical home in Miami Heights is worth $327,300,35% more than in Hamilton County as a whole ($241,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Miami Heights
What homes there are in Miami Heights, 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
Miami Heights
Hamilton County
Ohio
United States
Kind of home: Miami Heights and its comparisons
Measure
Miami Heights
Hamilton County
Ohio
United States
Detached house
81%
58%
69%
61%
Attached house
9%
5%
5%
6%
Building of 2 to 4
Unreliable estimate
13%
8%
8%
Apartments (5 or more)
Unreliable estimate
24%
15%
19%
Mobile home
Unreliable estimate
1%
3%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 81% of homes here, against 58% in Hamilton County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Miami Heights
Hamilton County
Ohio
United States
Year built: Miami Heights and its comparisons
Measure
Miami Heights
Hamilton County
Ohio
United States
Before 1960
9%
46%
38%
26%
1960–1979
16%
27%
26%
24%
1980–1999
24%
16%
20%
25%
2000–2009
41%
6%
10%
14%
2010 or later
10%
5%
7%
11%
The typical home in Miami Heights was built in 2000, 37 years after the typical one in Hamilton County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K19%
$200K–$300K20%
$300K–$500K46%
$500K–$750K9%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Miami Heights and its comparisons
Measure
Miami Heights
Under $100K
Unreliable estimate
$100K–$200K
19%
$200K–$300K
20%
$300K–$500K
46%
$500K–$750K
9%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Miami Heights and its comparisons
Measure
Miami Heights
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,908 a month
Hamilton County: $1,673 a month
Without a mortgage
$833 a month
Hamilton County: $707 a month
Owners with a mortgage
66%
Hamilton County: 66%
Owning costs more in Miami Heights: with a mortgage, the typical cost is $1,908 a month; in Hamilton County, $1,673. Without one, $833.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Miami HeightsBoundaries changed
Hamilton County+56%
Ohio+47%
United States+53%
Typical rent
Miami HeightsBoundaries changed
Hamilton County+33%
Ohio+28%
United States+33%
Typical household income
Miami HeightsBoundaries changed
Hamilton County+27%
Ohio+26%
United States+29%
Change since 2015–2019: Miami Heights and its comparisons
Measure
Miami Heights
Hamilton County
Ohio
United States
Typical home value
Boundaries changed
+56%
+47%
+53%
Typical rent
Boundaries changed
+33%
+28%
+33%
Typical household income
Boundaries changed
+27%
+26%
+29%
The Census does not compare Miami Heights with 2015–2019 because its boundaries changed. In Hamilton County, over that time, the typical home value rose 56%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Miami Heights and its comparisons
Measure
Miami Heights
Hamilton County
Ohio
United States
Rental vacancy
Unreliable estimate
4.4%
4.4%
5.5%
Homeowner vacancy
Unreliable estimate
0.6%
0.8%
0.9%
More than one person per room
Unreliable estimate
1.9%
1.5%
3.4%
People per household
2.64
2.29
2.37
2.53
Drive alone
78%
71%
75%
69%
Carpool
Unreliable estimate
7%
8%
9%
Public transit
Unreliable estimate
3%
1%
3%
Walk or bike
Unreliable estimate
3%
2%
3%
Work from home
15%
15%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Miami Heights has 2.64 people, more than in Hamilton County (2.29).
In Miami Heights, 78% of workers drive alone to work; in Hamilton County, 71%.
Do the math
What would you pay each month for a home in Miami Heights?
A typical home is tight for the typical income
We start with a typical home in Miami Heights, worth $327,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Miami Heights, which is $118,125 a year. For that payment to be 28% of income, a household would need to earn about $123,003 a year.
The calculator's FHA and conventional loan limits are those of all of Hamilton 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 Miami Heights. 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 $11,456 (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
$2,870
at 7.18% · 30 years
Loan amount
$321,371
Total interest
$462,378
Paid off in
November 2056
Includes $5,527 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,756 a month
Tight
$2,756 to $3,544 a month
Your payment · 29%
Hard
more than $3,544 a month
Compared with the typical household income in Miami Heights ($118,125 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,177
Property tax
$412
Home insurance
$136
FHA mortgage insurance (MIP)
$145
You need at least $11,456 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 $2,870; principal and interest $2,177.
The city and its county
Miami Heights and Hamilton County
Miami Heights 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).
Miami Heights
Map of Hamilton County, Ohio, with Miami Heights marked. Around it, the neighboring counties.
Miami Heights
Hamilton County
Other cities with a page
Miami Heights's own numbers
Typical home value
$327,300
Typical yearly household income
$118,125
Households that own their home
98%
Effective property tax rate
1.51%
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.
A typical home in Miami Heights is worth $327,300: 35% above the county and 52% above Ohio. With the typical household income in Miami Heights ($118,125 a year), a typical home costs 2.8 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.
Miami Heights2.8 years
Hamilton3.3 years
Ohio3.0 years
United States4.1 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.
Yearly change in FHFA’s price index in Hamilton County, 2016 to 2025
2016: +4.3% +4.3% 2016
2017: +5.2% +5.2% 2017
2018: +6.6% +6.6% 2018
2019: +4.8% +4.8% 2019
2020: +4.9% +4.9% 2020
2021: +11.0% +11.0% 2021
2022: +14.8% +14.8% 2022
2023: +9.8% +9.8% 2023
2024: +6.2% +6.2% 2024
2025: +4.0% +4.0% 2025
Change in FHFA’s price index in Hamilton County, Ohio and the United States
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
Miami Heights 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
Miami Heights$327,300
Hamilton$241,900
Ohio$214,800
United States$332,700
Typical yearly household income
Miami Heights$118,125
Hamilton$72,470
Ohio$71,389
United States$80,734
See the full table
Miami Heights next to Hamilton County and Ohio
Measure
Miami Heights
Hamilton County
Ohio
U.S.
Typical home value
$327,300 ▲35% above the county
$241,900
$214,800
$332,700
Typical yearly household income
$118,125 ▲63% above the county
$72,470
$71,389
$80,734
Households that own their home
98% ▲39 points above the county
59%
67%
65%
Typical yearly property tax
$4,931 ▲35% above the county
$3,652
$2,822
$3,119
Effective property tax rate
1.51%
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 Miami Heights
For a typical $327,300 home in Miami Heights, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Miami Heights's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,870a month
Least cash to close
Down payment
$11,456
Cash to close
$21,275
Rate
7.18%
Mortgage insurance
FHA MIP · $145
Conventional, 5% down$2,810a month
Down payment
$16,365
Cash to close
$26,184
Rate
7.18%
Mortgage insurance
PMI · $155
Conventional, 20% down, no PMI$2,322a month
Down payment
$65,460
Cash to close
$75,279
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,625a month
Down payment
$49,095
Cash to close
$58,914
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Miami Heights
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,870
$11,456
$321,372
7.18%
FHA MIP · $145
$21,275
580
Conventional, 5% down
$2,810
$16,365
$310,935
7.18%
PMI · $155
$26,184
620*
Conventional, 20% down, no PMI
$2,322
$65,460
$261,840
7.18%
None
$75,279
620*
ITIN, 15% down (example)
$2,625
$49,095
$278,205
8.18%
None
$58,914
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.
The Census Bureau publishes no typical rent for Miami Heights. 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Hamilton 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 Miami Heights
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Miami Heights has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,400 in 45248 to $1,430 in 45002.
None is above the fair market rent for Hamilton County ($1,442).
Fair market rent by ZIP code and size in Miami Heights, fiscal year 2027.
45002
$1,040
$1,120
$1,430
$1,880
$2,120
45248
$1,020
$1,100
$1,400
$1,840
$2,080
ZIP code2 bd3 bd
45002 $1,430$1,880
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 Miami Heights 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 Hamilton County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Miami Heights or Hamilton County. The ones below are statewide in Ohio: they work in Miami Heights 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).
The HUD-approved agencies closest to the center of Miami Heights, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Miami Heights or Hamilton 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 Miami Heights 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 Miami Heights?
The typical home value in Miami Heights is $327,300, 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 Miami Heights?
Miami Heights 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 Miami Heights?
The typical homeowner in Miami Heights pays $4,931 a year, according to the U.S. Census Bureau. That is 1.51% of the home’s value; in Hamilton County, the rate is 1.51%.
Where can I find free help to buy or rent in Miami Heights?
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.
