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Cincinnati city, OH

ZIP 45226 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45226

Median Home Value
$387,200
Median Rent
$1,050
Affordability Snapshot
$107,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,487/mo PITI).

13%
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.

30.7 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 45226 in Cincinnati city, OH, a household would need roughly $107,000 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 $2,487. That is roughly in line with the local median household income ($100,320). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
62.6%-4% vs US avg
x
Vacancy Rate
9.3%-10% vs US avg
x
Broadband Access
97.8%+12% vs US avg
x
4+ Bedrooms
5.0%-66% vs US avg
x
Built Pre-1939
5.3%-58% vs US avg
x
Built Post-2014
0.7%-89% vs US avg
x
Rent Burden >30%
15.0%-70% vs US avg
x
Mortgage-Free
33.8%-12% vs US avg
x
$387,200
Home Value
$1,050
Rent
1960
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 detached50.3%
  • 1-unit attached6.4%
  • 2-9 units36.1%
  • 10+ units7.2%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$387,200
Median rent$1,050
Owner-occupied62.6%
Vacant9.3%
Price-to-income3.9x
Est. income to buy$107,000