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Cincinnati city, OH

ZIP 45206 — Housing & Real Estate

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

Working ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45206

Median Home Value
$269,900
Median Rent
$728
Affordability Snapshot
$74,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,734/mo PITI).

17%
Rent-to-Income Ratio

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

5.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

30.9 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 45206 in Cincinnati city, OH, a household would need roughly $74,000 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 $1,734. That is about 45% above the local median household income ($51,128), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 14% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
33.4%-49% vs US avg
x
Vacancy Rate
14.5%+40% vs US avg
x
Broadband Access
82.7%-5% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
4.3%-66% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
18.9%-62% vs US avg
x
Mortgage-Free
38.1%-0% vs US avg
x
$269,900
Home Value
$728
Rent
1944
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached14.5%
  • 1-unit attached7.0%
  • 2-9 units31.9%
  • 10+ units46.6%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$269,900
Median rent$728
Owner-occupied33.4%
Vacant14.5%
Price-to-income5.3x
Est. income to buy$74,000