US5.com
  1. Home
  2. States
  3. Ohio
  4. ZIP 45230
  5. Housing & Real Estate
Cincinnati city, OH

ZIP 45230 — 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 45230

Median Home Value
$237,200
Median Rent
$834
Affordability Snapshot
$65,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,524/mo PITI).

11%
Rent-to-Income Ratio

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

2.7x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

23.7 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 45230 in Cincinnati city, OH, a household would need roughly $65,000 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 $1,524. That sits below the local median household income ($87,100), 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
73.7%+13% vs US avg
x
Vacancy Rate
2.9%-72% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
4.5%-70% vs US avg
x
Built Pre-1939
7.6%-41% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.1%-66% vs US avg
x
Mortgage-Free
27.8%-27% vs US avg
x
$237,200
Home Value
$834
Rent
1968
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 detached72.0%
  • 1-unit attached5.8%
  • 2-9 units11.6%
  • 10+ units10.5%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$237,200
Median rent$834
Owner-occupied73.7%
Vacant2.9%
Price-to-income2.7x
Est. income to buy$65,000