US5.com
  1. Home
  2. States
  3. Ohio
  4. ZIP 45227
  5. Housing & Real Estate
Cincinnati city, OH

ZIP 45227 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45227

Median Home Value
$256,400
Median Rent
$1,093
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,647/mo PITI).

19%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

19.5 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 45227 in Cincinnati city, OH, a household would need roughly $71,000 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 $1,647. That is roughly in line with the local median household income ($70,614). 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
55.4%-15% vs US avg
x
Vacancy Rate
7.0%-32% vs US avg
x
Broadband Access
87.8%+1% vs US avg
x
4+ Bedrooms
3.0%-79% vs US avg
x
Built Pre-1939
12.4%-3% vs US avg
x
Built Post-2014
0.4%-95% vs US avg
x
Rent Burden >30%
22.5%-55% vs US avg
x
Mortgage-Free
27.6%-28% vs US avg
x
$256,400
Home Value
$1,093
Rent
1951
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached58.5%
  • 1-unit attached3.7%
  • 2-9 units15.4%
  • 10+ units22.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$256,400
Median rent$1,093
Owner-occupied55.4%
Vacant7.0%
Price-to-income3.6x
Est. income to buy$71,000