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Loveland city, OH

ZIP 45140 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45140

Median Home Value
$340,800
Median Rent
$1,234
Affordability Snapshot
$94,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,189/mo PITI).

13%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

23.0 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 45140 in Loveland city, OH, a household would need roughly $94,000 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 $2,189. That sits below the local median household income ($110,781), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
81.2%+24% vs US avg
x
Vacancy Rate
4.1%-60% vs US avg
x
Broadband Access
95.7%+10% vs US avg
x
4+ Bedrooms
8.6%-42% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
0.8%-88% vs US avg
x
Rent Burden >30%
20.4%-59% vs US avg
x
Mortgage-Free
34.0%-11% vs US avg
x
$340,800
Home Value
$1,234
Rent
1991
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached77.6%
  • 1-unit attached3.6%
  • 2-9 units4.5%
  • 10+ units11.9%
  • Mobile home & other2.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$340,800
Median rent$1,234
Owner-occupied81.2%
Vacant4.1%
Price-to-income3.1x
Est. income to buy$94,000