The story of this market
The typical home in Hamilton County, Ohio sells for about $309,073, or $187 per square foot.
Prices are up +6.9% from a year ago, so sellers still have some momentum. Homes take about 41 days to sell. Over the long run, values in this county have grown 111% since 2000. Last year 142 of 191 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
+2.8%
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 (+14.2%). Worst: 2011 (-4.5%). 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
+2.8%
2025 change
FHFA repeat-sales index, median of 191 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
28
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $221,186,656.
Mortgage activity
Home lending in this county
78.2%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 37722 | 20755 | 78.2% | 9.4% | $155,000 |
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 Approval rate is approved ÷ decided (withdrawn and incomplete files excluded).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.
Hamilton County, Ohio
Hamilton County's housing market continues to demonstrate sustained price appreciation, recording a 6.9% year-over-year increase in median sale price to $309,073. Buyer competition remains resilient with homes trading at a 99.8% sale-to-list ratio and moving in an average of 41 days on market. Despite headwinds from elevated mortgage interest rates, ongoing inventory tightness and steady corporate employment sustain solid market fundamentals.
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 · 32 cities · 50 ZIP reports
Median prices moved up 0.8% year over year.
Homes spend a median of 38 days on market with 0.8 months of supply — a fast-moving market.
9% of listings have cut prices · homes sell at 36.6% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.6% · poverty 14.2% — 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.
Owned and leased federal assets with active or excess status, per the General Services Administration's Real Estate Across the United States inventory (read 2026-09-25). A federal footprint read on this county — not a market valuation, and never an attribute of any individual property or tenant.
Deterministic aggregate of 50 researched ZIP reports — 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.
Hamilton 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 8.2%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Each property observation weighs one in its ZIP's deterministic roll-up — property-level records (taxes, scores, permits) never roll individually. Latest property research run Oct 7, 2026.
researched Sep 22
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| 45001 | Addyston | $122,200 | $135 | +2.1% | 42 | 98.5% | 15% | 3 | 12 | $860 | researched Sep 22 |
| 45002 | Cleves | $312,683 | $194 | +5.1% | 37 | 98.4% | 17% | 1.8 | 4,193 | $1,139 | researched Sep 22 |
| 45030 | Harrison | $360,000 | $188 | 0% | 38 | — | — | — | 4,562 | $1,151 | researched Sep 22 |
| 45052 | North Bend | $512,000 | $155 | 0% | 41 | 98% | — | — | 10 | $1,159 | researched Sep 22 |
| 45140 | Loveland | $421,650 | $205 | +3.8% | 3 | 99.3% | 17% | 0.8 | 138 | $1,478 | researched Sep 22 |
| 45174 | Terrace Park | $753,000 | $359 | -43.8% | 36 | 99% | — | 1 | 6 | $3,125 | researched Sep 22 |
| 45202 | Cincinnati | $444,000 | $326 | -13.5% | 37 | 98.4% | 17% | 2.5 | 4,193 | $1,584 | researched Sep 22 |
| 45203 | Cincinnati | $358,000 | $194 | -4.8% | 37 | 98.4% | 17% | 1.9 | 4,193 | $724 | researched Sep 22 |
| 45204 | Cincinnati | $312,683 | $194 | +5.1% | 37 | 98.4% | 17% | 1.8 | 4,193 | $932 | researched Sep 22 |
| 45205 | Cincinnati | $170,000 | $88 | +11.1% | 105 | 100% | 17% | 1.6 | 85 | $895 | 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.
Countywide violent crime is concentrated within specific urban cores of Cincinnati, whereas surrounding suburban townships and municipalities consistently post violent and property crime rates below national and regional averages. Overall county incident figures have experienced modest declines post-2022 alongside expanded community-policing and violence-intervention investments.
Educational quality across Hamilton County is bifurcated, featuring top-tier suburban districts like Indian Hill, Sycamore, and Wyoming that rank among Ohio's best alongside Cincinnati Public Schools, which serves a higher-need urban student body with targeted magnet programs.
Flood risk poses the most significant exposure in the county, with approximately 15% of parcels subject to riverine flooding along the Ohio, Great Miami, and Little Miami rivers. Wildfire threat is negligible (<1%), while severe thunderstorms, convective wind events, and localized landslides on river bluffs remain secondary environmental risks.
Hamilton County maintains solid economic momentum anchored by Fortune 500 headquarters such as Procter & Gamble, Kroger, and Fifth Third Bancorp, as well as expansive healthcare networks. Infrastructure is being bolstered by federal and state funding for the Brent Spence Bridge Corridor Project and urban core redevelopment in Downtown Cincinnati and Over-the-Rhine.
Ohio real property is taxed on 35% of market value determined by the County Auditor, with effective millage rates reduced by House Bill 920 tax reduction factors. Total millage varies significantly across school districts, municipalities, and special levy districts, while qualifying primary homeowners can access owner-occupancy rollbacks and the homestead exemption.
Hamilton County is the regional economic powerhouse of Southwestern Ohio, hosting major Fortune 500 headquarters including Procter & Gamble, Kroger, and Fifth Third Bancorp. The employment base is anchored by advanced manufacturing, financial services, logistics, and premier healthcare systems like UC Health and Cincinnati Children's.
The county forms a critical multimodal junction served by Interstates 71, 75, 74, and the I-275 orbital beltway, facilitating cross-regional movement. Fixed-route public transit is managed countywide by SORTA's Metro bus network alongside the Cincinnati Bell Connector streetcar line in the downtown urban basin.
Countywide development emphasizes urban infill, transit-oriented development along designated corridors, and revitalization of commercial corridors in first-ring suburbs. Extensive public-private partnerships continue to advance riverfront enhancement, logistics hub expansions, and brownfield redevelopments.
The Hamilton County Auditor administers property appraisals under Ohio's triennial update and sexennial reappraisal schedule to assess real estate at true market value. Taxable value is set at 35% of fair market value, with tax levies constrained by Ohio House Bill 920 reduction factors.
Parcels across the county are subject to overlapping special districts including the Great Parks of Hamilton County taxing district, the Metropolitan Sewer District of Greater Cincinnati (MSD), and various municipal Community Improvement Corporations (CICs).
Property insurance markets in Hamilton County remain stable overall compared to coastal markets, though premiums have trended upward due to heightened replacement costs and regional convective storm risks. Parcels situated in designated FEMA flood hazard zones along the Ohio and Miami rivers face mandatory flood coverage requirements through the NFIP.
- Kings Island4.617.5 mi
- Jungle Jim's International Market4.77.2 mi
- Great Wolf Lodge | Mason4.217.9 mi
- Land of Illusion Adventure Park4.424.8 mi
- Dave & Buster's Springdale - Cincinnati4.26.9 mi
- Great American Ball Park4.710 mi
- TQL Stadium4.78.9 mi
- Paycor Stadium4.410 mi
- Riverbend Music Center4.514.9 mi
- Spooky Nook Sports Champion Mill4.212 mi
- Kings Island4.617.5 mi
- Cincinnati Zoo & Botanical Garden4.67 mi
- Newport Aquarium4.610.4 mi
- Creation Museum4.615.7 mi
- Great Wolf Lodge | Mason4.217.9 mi
- Creation Museum4.615.7 mi
- Cincinnati Museum Center4.78.8 mi
- Cincinnati Art Museum4.89.1 mi
- Loveland Castle Museum4.616.3 mi
- American Sign Museum4.86.5 mi
- Cincinnati Zoo & Botanical Garden4.67 mi
- Summit Park4.89.6 mi
- Ault Park4.810.7 mi
- Krohn Conservatory4.79.2 mi
- Smale Riverfront Park4.810.1 mi
- Topgolf West Chester4.49.3 mi
- The Grizzly Golf Course4.217.2 mi
- Glenview Golf Course4.45 mi
- Aston Oaks Golf Club4.510.3 mi
- Pebble Creek Golf Course, Restaurant & Event Center4.32.9 mi
- Jungle Jim's International Market4.77.2 mi
- Kenwood Towne Centre4.410.3 mi
- Cincinnati Premium Outlets4.418.3 mi
- Findlay Market4.78.7 mi
- Liberty Center4.613.9 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
World-renowned institution recognized as the second-oldest zoo in the country, offering acclaimed botanical displays and interactive exhibits that draw regional and national visitors.
Waterfront sports anchors along the Cincinnati Riverfront that house Major League Baseball's Cincinnati Reds and the NFL's Cincinnati Bengals, driving substantial regional tourism.
A network spanning over 17,000 acres across the county offering protected nature reserves, extensive multi-use hiking and biking trails, public golf facilities, and lake recreation.
A premier cultural campus in Mount Adams housing over 67,000 art pieces surrounded by expansive hilltop gardens, the Krohn Conservatory, and river valley vistas.
The leading upscale regional shopping destination featuring over 180 department stores, specialty boutiques, and diverse fine-dining venues.
Retrieved via Census Bureau QuickFacts and ACS 5-Year Estimates profile for Hamilton 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.