Hamilton, Ohio.
Typical home $303,382 (+3.4% in a year), asking rent $1,438 (+5.3%). Cincinnati, OH-KY-IN metro.
Property tax and schools in Hamilton
Hamilton’s own tax page → what a home here pays, who charges it, its levies and ballot, and its schools.
Hamilton is in Butler County, where its property tax is set. Its homes there are in 5 school districts: Edgewood City, Hamilton City, New Miami Local, Ross Local and Talawanda City. Check your own bill.
to buy the typical home at today's mortgage rate — +$907 (+132%) since Jan 2020.
- 1 year
- Up $9,928 +3%
- $293,453$303,382 since Sep 2025
- 5 years
- Up $72,949 +32%
- $230,432$303,382 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.
- Hamilton$1,592
- Ohio$1,291
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 13 years.
Typical home values in Hamilton, OH rose 3.4% over the past year — faster than the nation's +1.2%.
Asking rents in Hamilton, OH rose 5.3% over the past year — faster than the nation's +2.7%.
Owning the typical home in Hamilton runs $786/mo more than renting one. The gap peaked at $807 in Oct 2023.
That is $2,224 a month against $1,438 rent: a $1,592 mortgage payment, plus $307 property tax and $325 insurance & upkeep.
Owning vs renting — Hamilton
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$2,224
- Renting$1,438
- Mortgage only$1,592
Property tax · $307/mo 1.22% of value a year — the ACS 2020-2024 median bill over the median home value for Butler County, OH
Insurance & upkeep · $325/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 Hamilton, Butler County, Ohio
Hamilton is a city of 63,399 people in Butler County. Half its households earn more than $55,166 a year and half less, against $81,590 across Butler County; 20% of its people live below the poverty line. 54% of its homes are lived in by their owners and 46% are rented. Unemployment in Hamilton was 4.1% in August 2026, and Butler County had 0.3% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
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. Hamilton is a city in Butler County, Ohio, and it is a younger place than many, with a typical age lower than you might expect for a city of its size. Incomes run well below the county's as a whole, and more households here live below the poverty line than is typical, while owners and renters live here in fairly even numbers, with owners slightly ahead. Winters are cold, with January highs near freezing and a bit above, summers turn warm, and rain and melted snow fall steadily through the year.
Work. Many residents work in schools, hospitals and social care, followed by shops, factories, and restaurants, hotels and entertainment. Some of the biggest local employers are Hamilton City Schools, Kettering Health Hamilton and Miami University-Hamilton. Unemployment has eased over the past year, and Butler County has added jobs at a slow pace. Fewer adults hold a four-year degree than is common elsewhere, and most people get to work by commuting rather than working from home.
Things to do. The Robinson-Schwenn Building, a theatre, is in or beside town. A longer drive away are Kings Island, an amusement park, and the Cincinnati Zoo and Botanical Garden. The Cincinnati Art Museum is also a longer drive away, and sports fans can reach stadiums such as Paycor Stadium and Great American Ball Park.
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- 24,858households
- 16%of adults have a degree
- 20%below the poverty line
- 24 mintypical commute
- 6%work from home
What residents work in
Employed residents by industry, from the Census survey. Butler County had 163,638 jobs in 2025, 0.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 40° and lows near 22°; warmest in July, with highs near 87° and lows near 64°. About 41 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Hamilton Butler County Regional Airport weather station, 3 miles away (NOAA).
Largest employers in Hamilton
- Butler County1,861
- Hamilton City School District1,312
- Kettering Health (Hamilton)875
- ThyssenKrupp Bilstein of America (HQ)670
- City of Hamilton615
- Community First Solutions (HQ)600
- Bethesda Butler Hospital (TriHealth)500
- Miami University - Hamilton400
From the City of Hamilton’s annual financial report for 2024, its schedule of principal employers, as Ohio’s Auditor of State publishes it: the report. Employees as the report counts them.
Natural hazards
- TornadoesRelatively high
- Cold wavesRelatively high
- LightningRelatively high
- Ice stormsRelatively moderate
- Strong windRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Hamilton’s census tracts, against the rest of the country; all of them together, relatively moderate. 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 Butler County and the Cincinnati, OH-KY-IN metro.
Hamilton home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Hamilton$303,382
- Ohio$245,982
- United States$366,157
Sellers are cutting prices on about 1 in 3 Hamilton 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.
- Hamilton33.00%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Hamilton12
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Hamilton310
New listings per month
Sellers arriving at the market.
- Hamilton140
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Hamilton$250,073
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Hamilton100.12%
Zip codes with a Hamilton address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Hamilton — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Hamilton
| 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 |
|---|---|---|---|---|
| 45011 | Hamilton | 75,864 | $1,831 | $370,767 |
| 45013 | Hamilton | 53,998 | $1,235 | $270,636 |
| 45015 | Hamilton | 11,038 | $1,370 | $178,413 |