Cincinnati, Ohio.
Typical home $245,743 (+0.3% in a year), asking rent $1,432 (+2.6%). Cincinnati, OH-KY-IN metro.
Property tax and schools in Cincinnati
Cincinnati’s own tax page → what a home here pays, who charges it, its levies and ballot, and its schools.
Cincinnati is in Hamilton County, where its property tax is set. Its homes there are in 6 school districts: Cincinnati Public Schools, Finneytown Local, Forest Hills Local, Madeira City, Norwood City and Oak Hills Local. Check your own bill.
to buy the typical home at today's mortgage rate — +$685 (+113%) since Jan 2020.
- 1 year
- Up $729 +0%
- $245,014$245,743 since Sep 2025
- 5 years
- Up $42,141 +21%
- $203,603$245,743 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.
- Cincinnati$1,290
- Ohio$1,291
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 18 years.
Typical home values in Cincinnati, OH rose 0.3% over the past year — slower than the nation's +1.2%.
Asking rents in Cincinnati, OH rose 2.6% over the past year — in step with the nation.
Owning the typical home in Cincinnati runs $430/mo more than renting one. The gap peaked at $514 in May 2024.
That is $1,862 a month against $1,432 rent: a $1,290 mortgage payment, plus $309 property tax and $263 insurance & upkeep.
Owning vs renting — Cincinnati
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$1,862
- Renting$1,432
- Mortgage only$1,290
Property tax · $309/mo 1.51% of value a year — the ACS 2020-2024 median bill over the median home value for Hamilton County, OH
Insurance & upkeep · $263/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.
Living in Cincinnati, Hamilton County, Ohio
Cincinnati is a city of 309,317 people in Hamilton County. Half its households earn more than $52,909 a year and half less, against $72,470 across Hamilton County; 26% of its people live below the poverty line. 40% of its homes are lived in by their owners and 60% are rented. Unemployment in Cincinnati was 4.0% in August 2026, and Hamilton County had 0.3% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Cincinnati is a large city on the Ohio River, and its residents skew younger than in many American places. Most households rent rather than own, and incomes run well below the county's, with more people living below the poverty line than is typical. Winters are cold and summers are warm, with rain and melted snow spread through the year.
Work. Residents work mostly in schools, hospitals and social care, followed by professional and business services, shops, and restaurants, hotels and entertainment. Among the largest workplaces in Cincinnati are Children's Hospital Medical Center, the University of Cincinnati and Cincinnati Public Schools. Unemployment has eased over the past year, though across Hamilton County there were slightly fewer jobs than the year before.
Things to do. The Cincinnati Zoo and Botanical Garden and the Cincinnati Art Museum are both in or beside the city, as is Cincinnati Music Hall, a theatre. A short drive away, Newport Aquarium across the river offers another outing.
Report a mistake
- 144,297households
- 42%of adults have a degree
- 26%below the poverty line
- 22 mintypical commute
- 15%work from home
What residents work in
Employed residents by industry, from the Census survey. Hamilton County had 514,266 jobs in 2025, 0.3% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 41° and lows near 24°; warmest in July, with highs near 87° and lows near 65°. About 43 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Cincinnati Lunken Airport weather station, 5 miles away (NOAA).
Largest employers in Cincinnati
- Cincinnati Children's Hospital Medical Center19,568
- TriHealth Inc.12,831
- University of Cincinnati11,470
- St. Elizabeth Healthcare11,147
- Procter & Gamble11,000
- UC Health10,470
- Mercy Health10,000
- GE Aerospace9,000
From the City of Cincinnati’s annual financial report for 2024, its schedule of principal employers (its source: “Cincinnatiusa.com Cincinnati Business Courier Book of Lists : Largest Tri-State Employers Data ranked by local employees as of July 2024-…”), as Ohio’s Auditor of State publishes it: the report. Employees as the report counts them.
Natural hazards
- Tornadoesrelatively high in parts of CincinnatiRelatively moderate
- Heat wavesrelatively high in parts of CincinnatiRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Cincinnati’s census tracts, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Hamilton County and the Cincinnati, OH-KY-IN metro.
Cincinnati home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Cincinnati$245,743
- Ohio$245,982
- United States$366,157
Sellers are cutting prices on about 1 in 3 Cincinnati listings, and the typical home goes pending in 12 days — the market is cooling.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Cincinnati33.21%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Cincinnati12
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Cincinnati1,488
New listings per month
Sellers arriving at the market.
- Cincinnati514
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Cincinnati$234,967
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Cincinnati99.15%
Zip codes with a Cincinnati address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cincinnati — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Cincinnati
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 45238 | Cincinnati | 48,351 | $1,159 | $218,679 |
| 45231 | Cincinnati | 40,463 | $1,593 | $213,386 |
| 45211 | Cincinnati | 38,049 | $1,243 | $195,460 |
| 45239 | Cincinnati | 29,607 | $1,313 | $206,490 |
| 45230 | Cincinnati | 27,501 | $1,358 | $307,230 |
| 45255 | Cincinnati | 22,313 | $1,680 | $351,457 |
| 45224 | Cincinnati | 21,900 | $1,260 | $209,807 |
| 45237 | Cincinnati | 20,903 | $1,173 | $196,080 |
| 45251 | Cincinnati | 20,254 | $1,564 | $216,324 |
| 45245 | Cincinnati | 20,045 | $1,520 | $326,753 |
| 45219 | Cincinnati | 20,012 | $1,873 | $261,163 |
| 45227 | Cincinnati | 18,893 | $1,591 | $278,865 |
| 45205 | Cincinnati | 18,651 | $1,292 | $135,163 |
| 45208 | Cincinnati | 17,943 | $1,504 | $620,603 |
| 45202 | Cincinnati | 17,869 | $1,594 | $375,806 |
| 45233 | Cincinnati | 15,981 | $1,745 | $346,855 |
| 45223 | Cincinnati | 14,182 | $1,230 | $209,367 |
| 45220 | Cincinnati | 14,109 | $1,175 | $329,843 |
| 45229 | Cincinnati | 13,529 | $1,228 | $239,823 |
| 45213 | Cincinnati | 11,139 | $1,321 | $291,913 |
| 45209 | Cincinnati | 10,570 | $1,581 | $391,535 |
| 45206 | Cincinnati | 10,299 | $1,258 | $250,479 |
| 45225 | Cincinnati | 9,583 | $1,208 | $107,509 |
| 45216 | Cincinnati | 9,569 | $1,390 | $152,793 |
| 45214 | Cincinnati | 8,630 | $1,241 | $131,728 |
| 45204 | Cincinnati | 8,412 | $1,374 | $123,443 |
| 45207 | Cincinnati | 6,983 | $1,860 | $217,865 |
| 45232 | Cincinnati | 6,363 | — | $175,668 |
| 45226 | Cincinnati | 5,796 | $1,493 | $453,701 |
| 45252 | Cincinnati | 4,684 | — | $301,521 |
| 45203 | Cincinnati | 2,436 | $1,762 | $352,499 |