US5.com
  1. Home
  2. States
  3. Ohio
  4. ZIP 45204
  5. Housing & Real Estate
Cincinnati city, OH

ZIP 45204 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Income AreaLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45204

Median Home Value
$93,100
Median Rent
$582
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$598/mo PITI).

23%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

13.3 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 45204 in Cincinnati city, OH, a household would need roughly $26,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $598. That sits below the local median household income ($30,579), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 21% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
42.1%-36% vs US avg
x
Vacancy Rate
20.6%+100% vs US avg
x
Broadband Access
86.2%-1% vs US avg
x
4+ Bedrooms
0.6%-96% vs US avg
x
Built Pre-1939
7.2%-44% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
26.5%-47% vs US avg
x
Mortgage-Free
54.1%+42% vs US avg
x
$93,100
Home Value
$582
Rent
1952
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached34.4%
  • 1-unit attached6.4%
  • 2-9 units34.7%
  • 10+ units24.0%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$93,100
Median rent$582
Owner-occupied42.1%
Vacant20.6%
Price-to-income3.0x
Est. income to buy$26,000