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Cincinnati city, OH

ZIP 45224 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45224

Median Home Value
$174,400
Median Rent
$737
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,120/mo PITI).

15%
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.

19.7 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 45224 in Cincinnati city, OH, a household would need roughly $48,000 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 $1,120. That sits below the local median household income ($57,754), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
60.3%-8% vs US avg
x
Vacancy Rate
4.3%-58% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
4.0%-73% vs US avg
x
Built Pre-1939
13.0%+2% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
32.0%-36% vs US avg
x
Mortgage-Free
30.3%-21% vs US avg
x
$174,400
Home Value
$737
Rent
1958
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached67.0%
  • 1-unit attached3.5%
  • 2-9 units10.0%
  • 10+ units19.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$174,400
Median rent$737
Owner-occupied60.3%
Vacant4.3%
Price-to-income3.0x
Est. income to buy$48,000