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Cincinnati city, OH

ZIP 45238 — 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 45238

Median Home Value
$168,800
Median Rent
$801
Affordability Snapshot
$46,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,084/mo PITI).

15%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

17.6 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 45238 in Cincinnati city, OH, a household would need roughly $46,000 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 $1,084. That sits below the local median household income ($64,672), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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
57.2%-13% vs US avg
x
Vacancy Rate
5.3%-49% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
1.5%-90% vs US avg
x
Built Pre-1939
8.3%-35% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.6%-59% vs US avg
x
Mortgage-Free
30.9%-19% vs US avg
x
$168,800
Home Value
$801
Rent
1964
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 detached60.8%
  • 1-unit attached2.6%
  • 2-9 units14.6%
  • 10+ units21.7%
  • Mobile home & other0.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$168,800
Median rent$801
Owner-occupied57.2%
Vacant5.3%
Price-to-income2.6x
Est. income to buy$46,000