The story of this market
The typical home in Clermont County, Ohio sells for about $339,000, or $188 per square foot.
Prices are up +5.8% from a year ago, so sellers still have some momentum. Homes take about 38 days to sell. Over the long run, values in this county have grown 120% since 2000. Last year 35 of 47 neighborhoods saw prices rise, so the story isn't the same street to street. HUD's fair market rent for a two-bedroom is $1,442 a month.
HUD sets the fair market rent for a 2-bedroom at $1,442 a month. FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
+4.5%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+15.3%). Worst: 2011 (-4.3%). Hover to read a year.
Monthly price momentum
Home values since 2015
+3%
OH · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Rent benchmark
Fair market rent by size
$1,897
3-bed / month
HUD Fair Market Rents, fiscal 2027, for this county. A typical rent for a modest unit, used to set housing-voucher payments.
Neighborhood price trend
Long-run price trend, 2000–2025
+4.5%
2025 change
FHFA repeat-sales index, median of 47 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
25
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $46,500,582.
Mortgage activity
Home lending in this county
77.4%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 11272 | 6047 | 77.4% | 3% | $195,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Clermont County, Ohio
Clermont County's housing market remains fundamentally sound with median sale prices climbing approximately 5.8% year-over-year to $339,000. Tight inventory levels under 2.5 months of supply and consistent suburban demand from the Cincinnati metropolitan workforce keep home values resilient, even amidst elevated mortgage interest rates.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 12 cities · 17 ZIP reports
Median prices moved up 5.9% year over year.
Homes spend a median of 30 days on market with 1.9 months of supply — a fast-moving market.
20% of listings have cut prices · homes sell at 98.64% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.7% · poverty 8.6% — a stable, low-distress profile.
ACS 2024 5-year estimates. Aggregate published statistics for this county — never individual records, and never an attribute of any individual property or resident.
Deterministic aggregate of 16 researched ZIP reports of 17 — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Clermont County, Ohio — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 8.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
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| 45102 | Amelia | $284,000 | $175 | 0% | 37 | 98.5% | 17% | 4.2 | 292 | $975 | researched Sep 22 |
| 45103 | — | $339,000 | $170 | -1.1% | 38 | 99.2% | 17% | 51 | 153 | $1,077 | researched Sep 22 |
| 45106 | — | $335,000 | $168 | +2.1% | 42 | 98.5% | 17% | 4.2 | 51 | $718 | researched Sep 22 |
| 45112 | Chilo | $286,111 | $185 | +6.5% | 8 | 99.4% | 29.3% | 2.2 | 6,622 | $1,552 | researched Sep 22 |
| 45120 | Felicity | — | $526 | +6.5% | 61 | 102.7% | 29.3% | 4.5 | 4,562 | $756 | researched Sep 22 |
| 45122 | Goshen | $326,000 | $175 | +17.8% | 76 | 98.5% | 17% | 9.1 | 109 | $1,265 | researched Sep 22 |
| 45130 | Hamersville | $312,683 | $194 | +5.1% | 37 | 98.4% | 17% | 1.8 | 4,193 | $880 | researched Sep 22 |
| 45140 | Loveland | $421,650 | $205 | +3.8% | 3 | 99.3% | 17% | 0.8 | 138 | $1,478 | researched Sep 22 |
| 45147 | Miamiville | $235,000 | $148 | +4.2% | 32 | 98.5% | 12% | 3.4 | 48 | $1,150 | researched Sep 22 |
| 45150 | Milford | $333,900 | $191 | -5.9% | 48 | 98.4% | 41.8% | 2.3 | 114 | $1,127 | researched Sep 22 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Clermont County maintains overall violent and property crime rates that are lower than the greater Cincinnati metro average and the state of Ohio. Subdivided suburban areas like Miami and Union Townships experience primarily low-level property offenses, while rural townships report very low incident frequencies.
Public education across Clermont County is generally well regarded, led by strong performing districts such as Forest Hills (serving border areas), Milford Exempted Village, and West Clermont Local School District. Most county school districts achieve 3.5 to 4.5 stars on the Ohio Department of Education report cards.
Flooding along the Ohio River, East Fork Little Miami River, and low-lying tributary basins represents the primary environmental risk. Wildfire and seismic hazards are negligible, though severe summer convective storms and convective wind/hail events are common in southwestern Ohio.
Clermont County experiences steady residential and industrial expansion, particularly along the I-275 and SR 32 corridors. Major investments in distribution, advanced manufacturing, and healthcare expansions continue to drive suburban momentum.
Real estate taxes are assessed by the Clermont County Auditor based on a 35% statutory assessment ratio of appraised market value with triennial updates. Effective residential tax rates typically range between 50 to 75 mills after state reduction factors, alongside local township, school, and emergency levies.
Residents have extensive access to East Fork State Park, one of Ohio's largest state parks featuring a 2,160-acre reservoir, alongside Stonelick State Park and scenic trails along the Little Miami River. Historic downtown Loveland and Milford offer vibrant trailside dining and river recreation.
Clermont County maintains an accessible rental market with median rents hovering around $1,405 per month. Multifamily supply is concentrated around Union Township, Eastgate, and Milford, while single-family detached rentals remain limited across eastern agricultural townships.
Clermont County's economy is anchored by healthcare, manufacturing, retail trade, and logistics, bolstered by strong interstate connectivity to downtown Cincinnati. Major county employers include Tata Consultancy Services, Mercy Health, Total Quality Logistics (headquartered in nearby Union Township), and American Modern Insurance Group.
Primary transit corridors include Interstate 275 circling the western edge of the county, along with US-50, SR 32 (Appalachian Highway), and US-52 along the Ohio River. Clermont Transportation Connection (CTC) provides local fixed-route and dial-a-ride commuter transit connections.
Zoning and planning focus on balanced suburban growth, directing higher-density commercial and residential development along the I-275/SR 32 junctions while preserving open spaces and agricultural zoning in the eastern sectors.
The Clermont County Auditor oversees property reappraisals on a six-year sexennial revaluation cycle with a three-year triennial market update. Taxable assessed values are set at 35% of fair market value under Ohio revised code standards.
Parcels are subject to various overlapping special taxing jurisdictions including joint fire and EMS districts, vocational school districts (Great Oaks Career Campuses), park districts, and township road funds.
Clermont County maintains a relatively stable residential insurance environment compared to coastal states, though rates have risen moderately due to severe windstorm, hail, and localized river flooding exposures. Properties within mapped FEMA 100-year floodways along the Ohio and Little Miami Rivers require mandatory flood insurance under mortgage underwriting rules.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Spans over 4,800 acres including William H. Harsha Lake, offering extensive boating, fishing, camping, and over 40 miles of hiking and equestrian trails.
A premier paved rails-to-trails greenway cutting through Loveland and Milford, connecting Clermont County to regional biking networks.
A popular gathering destination anchored by the Little Miami River, featuring independent breweries, boutique shops, and outdoor gathering spaces.
A quiet 1,058-acre park in northeastern Clermont County offering peaceful canoeing, fishing, disc golf, and wooded walking paths.
Data retrieved from U.S. Census Bureau QuickFacts and ACS county summary profiles for Clermont County, OH.
Property is assessed at 35% of its true market value. The tax is calculated by multiplying the assessed value by the effective tax rate (millage) of the local taxing district. Exemptions include the Homestead Exemption for qualifying seniors and disabled persons, which reduces the taxable value of the primary residence.
Governed by Ohio Revised Code Chapter 5713.
Ohio is a judicial foreclosure state requiring court action to foreclose. Owners have redemption rights to pay the full amount of taxes, penalties, and costs to stop the sale, typically until the confirmation of sale or decree of foreclosure.
Governed by Ohio Revised Code Chapters 323, 5721, and 5723.
applies when — Applies to the transfer of residential real property consisting of one to four dwelling units.
Sellers must complete a state-prescribed form disclosing known material conditions and defects of the property, including structural, mechanical, and environmental issues.
Governed by Ohio Revised Code Chapter 5302.30.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.