45011
Hamilton, Ohio.
Hamilton, Butler County, OH · Cincinnati, OH-KY-IN metro · population 75,864
to buy the typical home at today's mortgage rate — +$596 (+154%) since Jan 2020.
- 1 year
- Up $4,836 +3%
- $182,620$187,456 since Sep 2025
- 5 years
- Up $53,884 +40%
- $133,572$187,456 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 45011$984
- United States$1,811
At the last five years' pace, a typical home here doubles in price every 10 years.
Typical home values in zip 45011 rose 3.1% over the past year — faster than the nation's +1.2%.
Asking rents in zip 45011 rose 3.1% over the past year — faster than the nation's +2.7%.
Owning the typical home in zip 45011 runs $457/mo less than renting one. The gap peaked at $543 in Dec 2025.
That is $1,374 a month against $1,831 rent: a $984 mortgage payment, plus $190 property tax and $201 insurance & upkeep.
Owning vs renting — zip 45011
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,374
- Renting$1,831
- Mortgage only$984
Property tax · $190/mo 1.22% of value a year — the ACS 2020-2024 median bill over the median home value for Butler County, OH
Insurance & upkeep · $201/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
School districts in 45011, by share of its land: Edgewood City 28% · Lakota Local 27% · Fairfield City 22% · New Miami Local 11% · Hamilton City 9% · Preble Shawnee Local 1% · Monroe Local 1%. Which one a home is in is printed on its tax bill.
Zillow also publishes an index for the city itself: Hamilton, OH — measured over the city limits, which is a different area from this zip.
Asking rent — 45011
Against the Cincinnati, OH-KY-IN metro and the national benchmark.
- 45011$1,831
- Cincinnati$1,522
- United States$1,932
Within 20 miles
Showing 30 of 59 zips in range — sorting picks from all 59.
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 4.4 | 45067 | Trenton | 15,471 | $2,028 | $274,118 |
| 4.8 | 45062 | Seven Mile | 511 | — | $218,781 |
| 5.0 | 45015 | Hamilton | 11,038 | $1,370 | $178,413 |
| 6.7 | 45044 | Middletown | 56,217 | $1,452 | $262,955 |
| 7.3 | 45050 | Monroe | 12,248 | — | $352,143 |
| 7.5 | 45014 | Fairfield | 45,773 | $1,357 | $284,019 |
| 7.7 | 45069 | West Chester | 56,037 | $1,906 | $423,532 |
| 8.1 | 45013 | Hamilton | 53,998 | $1,235 | $270,636 |
| 9.0 | 45042 | Middletown | 27,652 | $1,012 | $248,309 |
| 9.7 | 45246 | Cincinnati | 13,527 | $1,778 | $247,033 |
| 10.1 | 45240 | Cincinnati | 29,600 | $1,573 | $243,073 |
| 10.9 | 45064 | Somerville | 3,373 | — | $291,503 |
| 11.3 | 45218 | Cincinnati | 3,836 | $1,350 | $227,015 |
| 11.5 | 45070 | West Elkton | 142 | — | $124,509 |
| 11.6 | 45040 | Mason | 59,518 | $2,118 | $497,745 |
| 11.8 | 45241 | Cincinnati | 23,955 | $1,357 | $392,896 |
| 12.2 | 45251 | Cincinnati | 20,254 | $1,564 | $216,324 |
| 12.8 | 45231 | Cincinnati | 40,463 | $1,593 | $213,386 |
| 12.8 | 45252 | Cincinnati | 4,684 | — | $301,521 |
| 12.9 | 45005 | Franklin | 32,251 | $1,284 | $275,540 |
| 13.5 | 45056 | Oxford | 27,376 | $1,275 | $343,394 |
| 13.5 | 45215 | Cincinnati | 30,586 | $1,341 | $231,988 |
| 14.1 | 45249 | Cincinnati | 14,490 | $1,616 | $584,649 |
| 14.5 | 45034 | Kings Mills | 968 | — | $432,180 |
| 15.0 | 45242 | Cincinnati | 22,623 | $1,870 | $536,279 |
| 15.1 | 45327 | Germantown | 9,315 | — | $268,759 |
| 15.2 | 45036 | Lebanon | 42,204 | $1,969 | $409,802 |
| 15.2 | 45330 | Gratis | 710 | — | $156,391 |
| 15.8 | 45224 | Cincinnati | 21,900 | $1,260 | $209,807 |
| 15.8 | 45053 | Okeana | 3,718 | — | $460,794 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.