Provisional grade — derived from this report's measured data points; the county detector suite has not measured this geography yet. The measured ARED Score replaces it on the suite's next run.
ZIP 45204 — Cincinnati
The 45204 housing market remains stable, characterized by affordable entry points and high rental demand. While the broader Cincinnati market has seen inventory growth, this specific ZIP continues to serve as an accessible urban core for residents. Market conditions are driven by local affordability and proximity to downtown employment.
This ZIP code is primarily suited for renters and budget-conscious buyers looking for proximity to downtown Cincinnati. It offers an urban lifestyle with lower entry price points compared to suburban areas, making it attractive for those prioritizing commute times and city access.
Median prices moved up 5.1% year over year.
Homes spend a median of 37 days on market with 1.8 months of supply — a fast-moving market.
17% of listings have cut prices · homes sell at 98.4% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 8.8% · poverty 51.2% — elevated distress and economic pressure.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 12.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 9.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 45204, Hamilton County OH
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in the 45204 area are generally higher than the national average, consistent with urban core neighborhoods in Cincinnati. Local efforts are ongoing to address safety concerns through community policing and neighborhood revitalization initiatives.
Schools serving the 45204 area are part of the Cincinnati Public Schools district, which faces ongoing challenges with academic performance and resource allocation. Families often evaluate individual school ratings as performance varies significantly across the district.
The area is subject to standard regional risks, including potential for localized flooding near the Ohio River and typical Midwestern weather patterns. Property insurance premiums are influenced by these regional hazard profiles.
Economic momentum is driven by proximity to downtown Cincinnati's employment core and ongoing urban redevelopment projects. Major employers in the broader region include healthcare systems, financial services, and manufacturing.
Property taxes are assessed by Hamilton County based on property valuations, with rates determined by local levies and school district requirements. No specific special district exemptions are noted for this ZIP code.
Residents of 45204 benefit from direct access to major highway corridors and public transit routes leading into downtown Cincinnati. The commute is generally short, reflecting the neighborhood's proximity to the city's primary employment hub.
The area features access to local parks and green spaces along the Ohio River, with proximity to downtown Cincinnati's extensive shopping, dining, and cultural amenities. Recreational opportunities are primarily focused on urban parks and community centers.
The rental market in 45204 is characterized by high demand for affordable housing, with a significant share of the population being renters. Vacancy pressure remains moderate, and the area attracts both long-term residents and investors seeking rental income.
The economy is anchored by the broader Cincinnati metropolitan area, with major sectors including healthcare, education, and professional services. The area benefits from its proximity to the downtown business district.
The area is served by the Cincinnati Metro bus system, providing connectivity to the wider metropolitan region. Major highway access is facilitated by proximity to I-75 and I-71.
Development activity is focused on urban infill and the revitalization of existing residential and commercial structures. No major large-scale developments are currently reported for this specific ZIP.
Parcels are subject to standard municipal and county tax districts, including school and library levies.
Property insurance in the area is subject to standard regional market conditions, with premiums influenced by property age and proximity to flood-prone areas.
Data retrieved from US Census Bureau ZCTA-level tables.
Local community park providing green space and recreational facilities.
Provides scenic views and access to riverfront activities.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Forecasts are for speculation only and should not be used as a deciding factor in any transaction. Projections trend strictly from calculable historical values — the platform cannot predict market movements, market sentiment, or the market itself.
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Awaiting measured history — this chart renders once enough refresh-cycle reads accumulate (a one-point series is not a trend).
Standard trend model — solid = measured history · dashed = projection anchored at each line's last measured point, following that series' trailing pace (CAGR capped ±12%/yr) or trailing mean · projections are estimates, not measured reads · every charted series runs the standard 5-year historical window with a 1-year forecast, trimmed from the full retained ledger — the forecast always extends into the future year (a lagging ledger bridges to it) and stops there on purpose: authoritative, not wizardry · every price line is county-assessed value from the district CAD — the tier's same-parcel assessment roll-up on the momentum tile, the assessed trajectory in raw dollar levels and as a YoY-chained index (base 100), and the month-over-month pace from nearby comparable sales pooled from the research track; a tier without comps yet keeps its pace story with the assessed trend. Inventory, liquidity, price-cut and foreclosure lines run on the platform's own measured series.
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Aggregate foreclosure counts for this geography — recorded notices, upcoming sales and distress weight against population. The filing-level ledger opens at Investor.
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