In Northgate, a typical home is worth $174,300 and typical rent is $966 a month. Compared with all of Hamilton County, the typical home value is 28% lower, typical rent is 10% lower, and the share of households that own their home is 18 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $177,597 to $232,467.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Northgate 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
Northgate has the largest share of rent-burdened renters of the 253 cities in Ohio with more than 5,000 people: 80%.
2
77% of households in Northgate own their home, against 59% in Hamilton County.
3
The typical home in Northgate is worth $174,300,28% less than in Hamilton County as a whole ($241,900).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Northgate
What homes there are in Northgate, 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
Northgate
Hamilton County
Ohio
United States
Kind of home: Northgate and its comparisons
Measure
Northgate
Hamilton County
Ohio
United States
Detached house
83%
58%
69%
61%
Attached house
Unreliable estimate
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 83% of homes here, against 58% in Hamilton County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Northgate
Hamilton County
Ohio
United States
Year built: Northgate and its comparisons
Measure
Northgate
Hamilton County
Ohio
United States
Before 1960
18%
46%
38%
26%
1960–1979
55%
27%
26%
24%
1980–1999
18%
16%
20%
25%
2000–2009
Unreliable estimate
6%
10%
14%
2010 or later
Unreliable estimate
5%
7%
11%
Here half of the homes date from 1969 or later; in Hamilton County, from 1963 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K49%
$200K–$300K30%
$300K–$500K7%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Northgate and its comparisons
Measure
Northgate
Under $100K
Unreliable estimate
$100K–$200K
49%
$200K–$300K
30%
$300K–$500K
7%
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49924%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Northgate and its comparisons
Measure
Northgate
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
24%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,503 a month
Hamilton County: $1,673 a month
Without a mortgage
$579 a month
Hamilton County: $707 a month
Owners with a mortgage
70%
Hamilton County: 66%
Owning costs less in Northgate: with a mortgage, the typical cost is $1,503 a month; in Hamilton County, $1,673. Without one, $579.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Northgate+39%
Hamilton County+56%
Ohio+47%
United States+53%
Typical rent
NorthgateNo clear change
Hamilton County+33%
Ohio+28%
United States+33%
Typical household income
NorthgateNo clear change
Hamilton County+27%
Ohio+26%
United States+29%
Change since 2015–2019: Northgate and its comparisons
Measure
Northgate
Hamilton County
Ohio
United States
Typical home value
+39%
+56%
+47%
+53%
Typical rent
No clear change
+33%
+28%
+33%
Typical household income
No clear change
+27%
+26%
+29%
Homes in Northgate gained value more slowly than in Hamilton County: 39% since 2015–2019, against 56%.
Rent in Northgate moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Northgate and its comparisons
Measure
Northgate
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
2.60
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
14%
15%
13%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.60 on average, against 2.29 in Hamilton County.
In Northgate, 78% of workers drive alone to work; in Hamilton County, 71%.
Do the math
What would you pay each month for a home in Northgate?
A typical home is within reach of the typical income
We start with a typical home in Northgate, worth $174,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Northgate, which is $73,672 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 Northgate. 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 $6,101 (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
$1,512
at 7.18% · 30 years
Loan amount
$171,142
Total interest
$246,234
Paid off in
November 2056
Includes $2,943 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,719 a month
Your payment · 25%
Tight
$1,719 to $2,210 a month
Hard
more than $2,210 a month
Compared with the typical household income in Northgate ($73,672 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,159
Property tax
$203
Home insurance
$73
FHA mortgage insurance (MIP)
$77
You need at least $6,101 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 $1,512; principal and interest $1,159.
The city and its county
Northgate and Hamilton County
Northgate 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).
Northgate
Map of Hamilton County, Ohio, with Northgate marked. Around it, the neighboring counties.
Northgate
Hamilton County
Other cities with a page
Northgate's own numbers
Typical home value
$174,300
Typical monthly rent
$966
Typical yearly household income
$73,672
Households that own their home
77%
Effective property tax rate
1.4%
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 Northgate is worth $174,300: 28% below the county and 19% below Ohio. With the typical household income in Northgate ($73,672 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.
Northgate2.4 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
Northgate 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
Northgate$174,300
Hamilton$241,900
Ohio$214,800
United States$332,700
Typical monthly rent
Northgate$966
Hamilton$1,075
Ohio$1,034
United States$1,413
Typical yearly household income
Northgate$73,672
Hamilton$72,470
Ohio$71,389
United States$80,734
See the full table
Northgate next to Hamilton County and Ohio
Measure
Northgate
Hamilton County
Ohio
U.S.
Typical home value
$174,300 ▼28% below the county
$241,900
$214,800
$332,700
Typical monthly rent
$966 ▼10% below the county
$1,075
$1,034
$1,413
Typical yearly household income
$73,672
$72,470
$71,389
$80,734
Households that own their home
77% ▲18 points above the county
59%
67%
65%
Typical yearly property tax
$2,447 ▼33% below the county
$3,652
$2,822
$3,119
Effective property tax rate
1.4% ▼0.11 points below the county
1.51%
1.31%
0.94%
Renters with high rent for their income
80% ▲31 points above the county
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 Northgate
For a typical $174,300 home in Northgate, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Northgate's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,512a month
Least cash to close
Down payment
$6,101
Cash to close
$11,330
Rate
7.18%
Mortgage insurance
FHA MIP · $77
Conventional, 5% down$1,480a month
Down payment
$8,715
Cash to close
$13,944
Rate
7.18%
Mortgage insurance
PMI · $83
Conventional, 20% down, no PMI$1,221a month
Down payment
$34,860
Cash to close
$40,089
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,382a month
Down payment
$26,145
Cash to close
$31,374
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Northgate
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,512
$6,101
$171,143
7.18%
FHA MIP · $77
$11,330
580
Conventional, 5% down
$1,480
$8,715
$165,585
7.18%
PMI · $83
$13,944
620*
Conventional, 20% down, no PMI
$1,221
$34,860
$139,440
7.18%
None
$40,089
620*
ITIN, 15% down (example)
$1,382
$26,145
$148,155
8.18%
None
$31,374
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 Northgate is $966 a month: 10% below the county. In Northgate, 80% 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.
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 Northgate
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Northgate is in ZIP code 45251.
For 2 bedrooms it is $1,750: $308 more than the fair market rent for Hamilton County ($1,442).
Fair market rent by ZIP code and size in Northgate, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
45251
$1,280
$1,370
$1,750
$2,300
$2,600
ZIP code2 bd3 bd
45251 $1,750$2,300
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Northgate 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 Northgate or Hamilton County. The ones below are statewide in Ohio: they work in Northgate 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 Northgate 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 Northgate 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 Northgate?
The typical home value in Northgate is $174,300, 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 Northgate?
Typical rent in Northgate is $966 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 Northgate?
Northgate 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 Northgate?
The typical homeowner in Northgate pays $2,447 a year, according to the U.S. Census Bureau. That is 1.4% of the home’s value; in Hamilton County, the rate is 1.51%.
Where can I find free help to buy or rent in Northgate?
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.
