Cincinnati, OH home prices
Typical home $305,940 · +2.2% in a year · income needed $93,600
The Cincinnati, OH metro area ranks 308 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.2% in a year and +26.3% over five years. With 20% down at 7.11%, the typical home costs about $2,184 a month including 1.51% property tax (Hamilton County rate).
Mortgage on the typical Cincinnati home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $61,188 | $244,752 | $1,646 | $0 | $538 | $2,184 | $93,600 |
| 10% down | $30,594 | $275,346 | $1,852 | $115 | $538 | $2,505 | $107,400 |
| 5% down | $15,297 | $290,643 | $1,955 | $121 | $538 | $2,614 | $112,000 |
| 3.5% down (FHA) | $10,708 | $300,399 | $2,021 | $135 | $538 | $2,694 | $115,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.51% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Cincinnati area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hamilton County, OH | $266,241 | +0.8% | 1.51% |
| Butler County, OH | $313,302 | +3.3% | 1.22% |
| Warren County, OH | $407,863 | +1.6% | 1.2% |
| Clermont County, OH | $326,509 | +2.2% | 1.25% |
| Kenton County, KY | $286,827 | +2.1% | 0.98% |
| Boone County, KY | $350,034 | +2.7% | 0.86% |
| Campbell County, KY | $293,229 | +2.9% | 1.01% |
| Dearborn County, IN | $327,371 | +5.2% | 0.74% |
| Brown County, OH | $260,279 | +2.1% | 0.82% |
| Grant County, KY | $272,511 | +3.1% | 0.68% |
| Franklin County, IN | $292,357 | +4.3% | 0.59% |
| Pendleton County, KY | $237,230 | +3.5% | 0.8% |
| Gallatin County, KY | $208,363 | +2.5% | 0.83% |
| Bracken County, KY | $198,166 | +8.5% | 0.92% |
| Union County, IN | $197,144 | +10.2% | 0.64% |
| Ohio County, IN | $282,157 | +3.4% | 0.61% |
What can you afford in Ohio on your salary? · Ohio home prices · Salaries in Ohio
Frequently asked questions
How much is a house in Cincinnati?
The typical home in the Cincinnati, OH metro area is worth $305,940 (Zillow, September 2026).
What salary do you need to buy a house in Cincinnati?
About $93,600 a year for the typical home with 20% down at 7.11%.