45040
Mason, Ohio.
Mason, Warren County, OH · Cincinnati, OH-KY-IN metro · population 59,518
to buy the typical home at today's mortgage rate — +$1,443 (+123%) since Jan 2020.
- 1 year
- Up $6,343 +1%
- $491,402$497,745 since Sep 2025
- 5 years
- Up $119,818 +32%
- $377,927$497,745 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.
- 45040$2,613
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in zip 45040 rose 1.3% over the past year — in step with the nation.
Asking rents in zip 45040 rose 0.8% over the past year — slower than the nation's +2.7%.
Owning the typical home in zip 45040 runs $1,526/mo more than renting one. The gap peaked at $1,546 in Oct 2023.
That is $3,644 a month against $2,118 rent: a $2,613 mortgage payment, plus $498 property tax and $533 insurance & upkeep.
Owning vs renting — zip 45040
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$3,644
- Renting$2,118
- Mortgage only$2,613
Property tax · $498/mo 1.20% of value a year — the ACS 2020-2024 median bill over the median home value for Warren County, OH
Insurance & upkeep · $533/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 45040, by share of its land: Mason City 74% · Kings Local 17% · Lebanon City 5% · Princeton City 3% · Monroe Local 1% · Little Miami Local 1%. Which one a home is in is printed on its tax bill.
Zillow also publishes an index for the city itself: Mason, OH — measured over the city limits, which is a different area from this zip.
Asking rent — 45040
Against the Cincinnati, OH-KY-IN metro and the national benchmark.
- 45040$2,118
- Cincinnati$1,522
- United States$1,932
Typical home value — 45040
Mid-tier homes, smoothed and seasonally adjusted.
- 45040$497,745
- Cincinnati$305,940
- United States$366,157
Within 20 miles
Showing 30 of 68 zips in range — sorting picks from all 68.
| 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 |
|---|---|---|---|---|---|
| 3.4 | 45034 | Kings Mills | 968 | — | $432,180 |
| 4.3 | 45039 | Maineville | 28,335 | $1,901 | $395,501 |
| 5.2 | 45249 | Cincinnati | 14,490 | $1,616 | $584,649 |
| 5.3 | 45065 | South Lebanon | 7,053 | $2,096 | $370,194 |
| 5.4 | 45069 | West Chester | 56,037 | $1,906 | $423,532 |
| 7.1 | 45241 | Cincinnati | 23,955 | $1,357 | $392,896 |
| 7.2 | 45050 | Monroe | 12,248 | — | $352,143 |
| 7.4 | 45140 | Loveland | 57,211 | $1,739 | $443,692 |
| 7.8 | 45242 | Cincinnati | 22,623 | $1,870 | $536,279 |
| 7.9 | 45044 | Middletown | 56,217 | $1,452 | $262,955 |
| 8.2 | 45036 | Lebanon | 42,204 | $1,969 | $409,802 |
| 9.3 | 45246 | Cincinnati | 13,527 | $1,778 | $247,033 |
| 10.0 | 45152 | Morrow | 14,850 | $2,582 | $404,042 |
| 10.4 | 45111 | Camp Dennison | 265 | — | $273,159 |
| 10.8 | 45236 | Cincinnati | 24,513 | $1,834 | $282,142 |
| 11.4 | 45215 | Cincinnati | 30,586 | $1,341 | $231,988 |
| 11.6 | 45011 | Hamilton | 75,864 | $1,831 | $370,767 |
| 11.6 | 45243 | Cincinnati | 16,103 | $2,328 | $738,973 |
| 12.2 | 45015 | Hamilton | 11,038 | $1,370 | $178,413 |
| 12.4 | 45240 | Cincinnati | 29,600 | $1,573 | $243,073 |
| 12.6 | 45218 | Cincinnati | 3,836 | $1,350 | $227,015 |
| 12.8 | 45005 | Franklin | 32,251 | $1,284 | $275,540 |
| 13.0 | 45014 | Fairfield | 45,773 | $1,357 | $284,019 |
| 13.1 | 45213 | Cincinnati | 11,139 | $1,321 | $291,913 |
| 13.1 | 45122 | Goshen | 10,977 | — | $303,479 |
| 13.2 | 45174 | Terrace Park | 2,321 | — | $782,394 |
| 13.2 | 45067 | Trenton | 15,471 | $2,028 | $274,118 |
| 13.3 | 45237 | Cincinnati | 20,903 | $1,173 | $196,080 |
| 13.4 | 45150 | Milford | 33,527 | $1,386 | $336,892 |
| 13.6 | 45162 | Pleasant Plain | 2,754 | — | $326,846 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.