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Cincinnati city, OH

ZIP 45209 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45209

Median Home Value
$386,600
Median Rent
$1,182
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,483/mo PITI).

16%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

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

27.3 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 45209 in Cincinnati city, OH, a household would need roughly $106,000 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 $2,483. That is about 21% above the local median household income ($87,841), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
37.6%-42% vs US avg
x
Vacancy Rate
6.8%-34% vs US avg
x
Broadband Access
93.1%+7% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
7.5%-41% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
9.7%-80% vs US avg
x
Mortgage-Free
19.2%-50% vs US avg
x
$386,600
Home Value
$1,182
Rent
1946
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached39.2%
  • 1-unit attached2.9%
  • 2-9 units26.1%
  • 10+ units31.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$386,600
Median rent$1,182
Owner-occupied37.6%
Vacant6.8%
Price-to-income4.4x
Est. income to buy$106,000