ZIP Code 45232 — Cincinnati, OH Home Prices (2026)
The typical home in ZIP 45232 (Cincinnati, Ohio) is worth about $175,000 at roughly $189 per square foot — 29% more affordable than the Cincinnati median and 40% more affordable than the typical U.S. home.
How 45232 compares
ZIP 45232 is one of the more affordable ZIP codes in Cincinnati: its typical home value of $175,000 ranks #26 of the 31 Cincinnati ZIP codes we track (the citywide range runs from $116,000 in 45225 to $634,000 in 45208). Per square foot it costs about $189, against $183 for Cincinnati as a whole, $159 for Ohio, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 45232 | $175,000 | $189 |
| Cincinnati, OH | $245,000 | $183 |
| Ohio | $230,000 | $159 |
| United States | $294,000 | $195 |
Home value by size in 45232
Using this ZIP’s rate of about $189 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $189,000 |
| 1,500 sq ft | $283,500 |
| 2,000 sq ft | $378,000 |
| 2,500 sq ft | $472,500 |
| 3,000 sq ft | $567,000 |
Salary needed to buy a home in ZIP 45232
To buy the typical $175,000 home in ZIP 45232 with 20% down, you need a household income of roughly $48,000 a year (about $1,110 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $57,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $8,800 | $1,380/mo | $59,000/yr |
| 10% (+PMI) | $17,500 | $1,320/mo | $57,000/yr |
| 20% | $35,000 | $1,110/mo | $48,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 45232
At about $189 per square foot, here is roughly how much home different budgets get you in ZIP 45232:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 790 sq ft | around the typical home here |
| $200k | 1060 sq ft | around the typical home here |
| $250k | 1320 sq ft | above the median — larger homes or the pricier ZIPs |
| $300k | 1590 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2120 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 45232 home.
Estimate a specific home in 45232
The estimator below is pre-set to ZIP 45232 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Cincinnati ZIP codes by home value
Where 45232 sits among Cincinnati’s 31 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 45208 | $634,000 | $264 |
| 2 | 45226 | $461,000 | $259 |
| 3 | 45209 | $406,000 | $303 |
| 4 | 45202 | $387,000 | $319 |
| 5 | 45255 | $361,000 | $186 |
| 6 | 45203 | $356,000 | $275 |
| 7 | 45233 | $354,000 | $199 |
| 8 | 45220 | $337,000 | $213 |
| 9 | 45245 | $334,000 | $208 |
| 10 | 45230 | $316,000 | $197 |
| 11 | 45252 | $307,000 | $151 |
| 12 | 45213 | $304,000 | $215 |
| 13 | 45227 | $286,000 | $243 |
| 14 | 45219 | $266,000 | $204 |
| 15 | 45206 | $253,000 | $213 |
| 16 | 45229 | $245,000 | $183 |
| 17 | 45238 | $224,000 | $149 |
| 18 | 45207 | $223,000 | $158 |
| 19 | 45251 | $223,000 | $159 |
| 20 | 45231 | $218,000 | $149 |
| 21 | 45223 | $215,000 | $172 |
| 22 | 45224 | $214,000 | $156 |
| 23 | 45239 | $213,000 | $149 |
| 24 | 45237 | $202,000 | $153 |
| 25 | 45211 | $200,000 | $145 |
| 26 | 45232 (this page) | $175,000 | $189 |
| 27 | 45216 | $157,000 | $101 |
| 28 | 45205 | $140,000 | $122 |
| 29 | 45214 | $135,000 | $143 |
| 30 | 45204 | $126,000 | $130 |
| 31 | 45225 | $116,000 | $121 |
ZIP 45232 home prices: frequently asked
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See the full Cincinnati home values page, all Ohio cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.