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Cincinnati city, OH

ZIP 45207 — 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 45207

Median Home Value
$192,400
Median Rent
$757
Affordability Snapshot
$53,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,236/mo PITI).

19%
Rent-to-Income Ratio

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

3.9x
Home Price-to-Income Ratio

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

21.2 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 45207 in Cincinnati city, OH, a household would need roughly $53,000 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 $1,236. That is roughly in line with the local median household income ($48,833). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 18% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
57.9%-11% vs US avg
x
Vacancy Rate
17.7%+72% vs US avg
x
Broadband Access
86.3%-1% vs US avg
x
4+ Bedrooms
10.2%-31% vs US avg
x
Built Pre-1939
9.6%-25% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
31.3%-37% vs US avg
x
Mortgage-Free
31.5%-17% vs US avg
x
$192,400
Home Value
$757
Rent
1938
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 detached60.7%
  • 1-unit attached1.6%
  • 2-9 units28.1%
  • 10+ units9.6%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$192,400
Median rent$757
Owner-occupied57.9%
Vacant17.7%
Price-to-income3.9x
Est. income to buy$53,000