45140
Loveland, Ohio.
Loveland, Clermont County, OH · Cincinnati, OH-KY-IN metro · population 57,211
to buy the typical home at today's mortgage rate — +$1,322 (+131%) since Jan 2020.
- 1 year
- Up $10,264 +2%
- $433,428$443,692 since Sep 2025
- 5 years
- Up $107,360 +32%
- $336,332$443,692 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.
- 45140$2,329
- 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 45140 rose 2.4% over the past year — faster than the nation's +1.2%.
Asking rents in zip 45140 rose 3.5% over the past year — faster than the nation's +2.7%.
Owning the typical home in zip 45140 runs $1,537/mo more than renting one — the widest that gap has been in this data.
That is $3,276 a month against $1,739 rent: a $2,329 mortgage payment, plus $472 property tax and $475 insurance & upkeep.
Owning vs renting — zip 45140
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$3,276
- Renting$1,739
- Mortgage only$2,329
Property tax · $472/mo 1.28% of value a year — the ACS 2020-2024 median bill over the median home value for 3 counties
Insurance & upkeep · $475/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.
This zip spans 3 counties: Clermont County, OH 53% · Warren County, OH 31% · Hamilton County, OH 16%
School districts in 45140, by share of its land: Loveland City 33% · Little Miami Local 21% · Milford Exempted Village 17% · Goshen Local 16% · Kings Local 7% · Sycamore Community City 4% · Indian Hill Exempted Village 1%. Which one a home is in is printed on its tax bill.
Zillow also publishes an index for the city itself: Loveland, OH — measured over the city limits, which is a different area from this zip.
Asking rent — 45140
Against the Cincinnati, OH-KY-IN metro and the national benchmark.
- 45140$1,739
- Cincinnati$1,522
- United States$1,932
Typical home value — 45140
Mid-tier homes, smoothed and seasonally adjusted.
- 45140$443,692
- Cincinnati$305,940
- United States$366,157
Within 20 miles
Showing 30 of 72 zips in range — sorting picks from all 72.
| 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 |
|---|---|---|---|---|---|
| 4.5 | 45111 | Camp Dennison | 265 | — | $273,159 |
| 4.7 | 45249 | Cincinnati | 14,490 | $1,616 | $584,649 |
| 4.9 | 45039 | Maineville | 28,335 | $1,901 | $395,501 |
| 6.0 | 45242 | Cincinnati | 22,623 | $1,870 | $536,279 |
| 6.3 | 45150 | Milford | 33,527 | $1,386 | $336,892 |
| 6.7 | 45122 | Goshen | 10,977 | — | $303,479 |
| 7.0 | 45034 | Kings Mills | 968 | — | $432,180 |
| 7.2 | 45243 | Cincinnati | 16,103 | $2,328 | $738,973 |
| 7.4 | 45040 | Mason | 59,518 | $2,118 | $497,745 |
| 7.6 | 45174 | Terrace Park | 2,321 | — | $782,394 |
| 8.0 | 45065 | South Lebanon | 7,053 | $2,096 | $370,194 |
| 8.5 | 45241 | Cincinnati | 23,955 | $1,357 | $392,896 |
| 8.8 | 45236 | Cincinnati | 24,513 | $1,834 | $282,142 |
| 8.9 | 45162 | Pleasant Plain | 2,754 | — | $326,846 |
| 9.2 | 45152 | Morrow | 14,850 | $2,582 | $404,042 |
| 10.3 | 45227 | Cincinnati | 18,893 | $1,591 | $278,865 |
| 10.4 | 45244 | Cincinnati | 28,511 | $1,649 | $399,154 |
| 10.7 | 45069 | West Chester | 56,037 | $1,906 | $423,532 |
| 10.7 | 45213 | Cincinnati | 11,139 | $1,321 | $291,913 |
| 10.8 | 45160 | Owensville | 507 | — | $204,895 |
| 11.7 | 45215 | Cincinnati | 30,586 | $1,341 | $231,988 |
| 12.0 | 45237 | Cincinnati | 20,903 | $1,173 | $196,080 |
| 12.1 | 45246 | Cincinnati | 13,527 | $1,778 | $247,033 |
| 12.1 | 45209 | Cincinnati | 10,570 | $1,581 | $391,535 |
| 12.5 | 45103 | Batavia | 36,938 | $1,495 | $328,862 |
| 12.8 | 45212 | Cincinnati | 21,526 | $1,234 | $247,282 |
| 13.1 | 45036 | Lebanon | 42,204 | $1,969 | $409,802 |
| 13.1 | 45208 | Cincinnati | 17,943 | $1,504 | $620,603 |
| 13.2 | 45216 | Cincinnati | 9,569 | $1,390 | $152,793 |
| 13.6 | 45245 | Cincinnati | 20,045 | $1,520 | $326,753 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.