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Cincinnati city, OH

ZIP 45205 — 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 45205

Median Home Value
$112,600
Median Rent
$700
Affordability Snapshot
$31,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$723/mo PITI).

20%
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.

13.4 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 45205 in Cincinnati city, OH, a household would need roughly $31,000 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 $723. That sits below the local median household income ($41,357), 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

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
39.4%-40% vs US avg
x
Vacancy Rate
11.0%+7% vs US avg
x
Broadband Access
85.8%-1% vs US avg
x
4+ Bedrooms
4.8%-67% vs US avg
x
Built Pre-1939
9.3%-27% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
22.9%-54% vs US avg
x
Mortgage-Free
49.9%+31% vs US avg
x
$112,600
Home Value
$700
Rent
1943
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached50.6%
  • 1-unit attached2.7%
  • 2-9 units25.5%
  • 10+ units21.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$112,600
Median rent$700
Owner-occupied39.4%
Vacant11.0%
Price-to-income2.7x
Est. income to buy$31,000