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Hamilton city, OH

ZIP 45011 — Housing & Real Estate

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

Middle ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45011

Median Home Value
$272,000
Median Rent
$795
Affordability Snapshot
$75,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,747/mo PITI).

11%
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.

28.5 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 45011 in Hamilton city, OH, a household would need roughly $75,000 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 $1,747. That sits below the local median household income ($90,360), 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
74.3%+14% vs US avg
x
Vacancy Rate
6.5%-37% vs US avg
x
Broadband Access
91.0%+5% vs US avg
x
4+ Bedrooms
4.4%-70% vs US avg
x
Built Pre-1939
4.1%-68% vs US avg
x
Built Post-2014
0.8%-89% vs US avg
x
Rent Burden >30%
23.8%-52% vs US avg
x
Mortgage-Free
32.4%-15% vs US avg
x
$272,000
Home Value
$795
Rent
1990
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 detached75.2%
  • 1-unit attached4.0%
  • 2-9 units9.0%
  • 10+ units8.0%
  • Mobile home & other3.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$272,000
Median rent$795
Owner-occupied74.3%
Vacant6.5%
Price-to-income3.0x
Est. income to buy$75,000