ZIP Code 45245 — Cincinnati, OH Home Prices (2026)

The typical home in ZIP 45245 (Cincinnati, Ohio) is worth about $334,000 at roughly $208 per square foot — 36% more expensive than the Cincinnati median and 14% more expensive than the typical U.S. home.

$334,000

Typical home value

$208

Price per sq ft

#9 of 31

Cincinnati ZIPs by value

+36%

vs Cincinnati median

How 45245 compares

ZIP 45245 is one of the pricier ZIP codes in Cincinnati: its typical home value of $334,000 ranks #9 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 $208, against $183 for Cincinnati as a whole, $159 for Ohio, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 45245	$334,000	$208
Cincinnati, OH	$245,000	$183
Ohio	$230,000	$159
United States	$294,000	$195

Home value by size in 45245

Using this ZIP’s rate of about $208 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	$208,000
1,500 sq ft	$312,000
2,000 sq ft	$416,000
2,500 sq ft	$520,000
3,000 sq ft	$624,000

Salary needed to buy a home in ZIP 45245

To buy the typical $334,000 home in ZIP 45245 with 20% down, you need a household income of roughly $91,000 a year (about $2,120 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $108,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$16,700	$2,640/mo	$113,000/yr
10% (+PMI)	$33,400	$2,520/mo	$108,000/yr
20%	$66,800	$2,120/mo	$91,000/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 45245

At about $208 per square foot, here is roughly how much home different budgets get you in ZIP 45245:

Budget	Approx. size	What that looks like locally
$200k	960 sq ft	below the local median — condos, smaller or older homes
$250k	1200 sq ft	below the local median — condos, smaller or older homes
$300k	1440 sq ft	around the typical home here
$400k	1920 sq ft	around the typical home here
$500k	2400 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 45245 home.

Estimate a specific home in 45245

The estimator below is pre-set to ZIP 45245 — 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 45245 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 (this page)	$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	$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 45245 home prices: frequently asked

What is the average home price in ZIP code 45245? +

The typical home in ZIP 45245 (Cincinnati, OH) is worth about $334,000 as of 2026. That is 36% more expensive than the Cincinnati median of $245,000 and 14% more expensive than the U.S. median of $294,000.

What is the price per square foot in 45245? +

About $208 per square foot in 45245, versus $183 across Cincinnati and $159 across Ohio. At that rate a 1,500 sq ft home runs roughly $312,000 and a 2,500 sq ft home about $520,000.

What salary do you need to buy a house in ZIP 45245? +

For the typical $334,000 home in ZIP 45245, a household income of about $91,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $108,000; with 5% down about $113,000.

Is 45245 an expensive ZIP code? +

Within Cincinnati, 45245 ranks #9 of 31 ZIP codes by typical home value, which makes it one of the pricier ZIP codes in Cincinnati. Nationally it is about average.

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.