US5.com
  1. Home
  2. States
  3. Ohio
  4. ZIP 45220
  5. Housing & Real Estate
Cincinnati city, OH

ZIP 45220 — 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 45220

Median Home Value
$385,200
Median Rent
$843
Affordability Snapshot
$106,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,474/mo PITI).

20%
Rent-to-Income Ratio

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

7.5x
Home Price-to-Income Ratio

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

38.1 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 45220 in Cincinnati city, OH, a household would need roughly $106,000 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 $2,474. That is about 106% above the local median household income ($51,404), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
26.5%-59% vs US avg
x
Vacancy Rate
9.5%-8% vs US avg
x
Broadband Access
89.7%+3% vs US avg
x
4+ Bedrooms
6.7%-55% vs US avg
x
Built Pre-1939
5.9%-54% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
24.0%-52% vs US avg
x
Mortgage-Free
33.3%-13% vs US avg
x
$385,200
Home Value
$843
Rent
1944
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached27.4%
  • 1-unit attached1.6%
  • 2-9 units28.2%
  • 10+ units42.5%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$385,200
Median rent$843
Owner-occupied26.5%
Vacant9.5%
Price-to-income7.5x
Est. income to buy$106,000