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Cincinnati city, OH

ZIP 45208 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45208

Median Home Value
$491,400
Median Rent
$1,255
Affordability Snapshot
$135,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,157/mo PITI).

11%
Rent-to-Income Ratio

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

3.7x
Home Price-to-Income Ratio

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

32.6 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 45208 in Cincinnati city, OH, a household would need roughly $135,000 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 $3,157. That is roughly in line with the local median household income ($133,213). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
63.6%-3% vs US avg
x
Vacancy Rate
6.4%-38% vs US avg
x
Broadband Access
96.5%+11% vs US avg
x
4+ Bedrooms
7.8%-47% vs US avg
x
Built Pre-1939
7.9%-38% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
21.0%-58% vs US avg
x
Mortgage-Free
26.0%-32% vs US avg
x
$491,400
Home Value
$1,255
Rent
1938
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached53.6%
  • 1-unit attached3.2%
  • 2-9 units22.6%
  • 10+ units20.3%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$491,400
Median rent$1,255
Owner-occupied63.6%
Vacant6.4%
Price-to-income3.7x
Est. income to buy$135,000