Hamilton County, OH Average Home Price (2026)
The average home price in Hamilton County, Ohio is about $259,500 (the 2026 median across 52 ZIP codes, at ~$186/sq ft) — 15% more expensive than the Ohio median and 10% more affordable than the typical U.S. home.
How Hamilton County compares
Hamilton County is about average for housing nationally: its typical home costs $259,500 against $225,500 for Ohio and $289,000 for the U.S. Within the county, ZIP-level values run from about $108,000 to $782,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Hamilton County | $259,500 | $186 |
| Ohio | $225,500 | $160 |
| United States | $289,000 | $193 |
Cities in Hamilton County
Cities with their own home-value page, largest first:
Hamilton County home prices by ZIP code
The 15 most valuable ZIP codes in Hamilton County (of 52 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 45174 Terrace Park | $782,000 | $297 | +201% |
| 45243 Madeira | $739,000 | $330 | +185% |
| 45208 Cincinnati | $621,000 | $292 | +139% |
| 45249 Sixteen Mile Stand | $585,000 | $211 | +125% |
| 45242 Montgomery | $536,000 | $260 | +107% |
| 45226 Cincinnati | $454,000 | $253 | +75% |
| 45033 Hooven | $405,000 | $213 | +56% |
| 45244 Dry Run | $399,000 | $194 | +54% |
| 45241 Sharonville | $393,000 | $211 | +51% |
| 45209 Cincinnati | $392,000 | $297 | +51% |
| 45202 Cincinnati | $376,000 | $313 | +45% |
| 45002 Cleves | $354,000 | $187 | +36% |
| 45203 Cincinnati | $352,000 | $227 | +36% |
| 45255 Cincinnati | $351,000 | $185 | +35% |
| 45052 North Bend | $348,000 | $180 | +34% |
Home value appreciation in Hamilton County
Home prices in Hamilton County have risen about 99% over the last 10 years (≈7.1% a year) and +88.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +4.0% — still rising. A home worth $259,500 today was worth roughly $130,599 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Ohio is +93.4% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Hamilton County
Run the numbers for Hamilton County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Hamilton County
To buy the typical $259,500 home in Hamilton County with 20% down, you need a household income of roughly $71,000 a year (about $1,650 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $84,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $13,000 | $2,050/mo | $88,000/yr |
| 10% (+PMI) | $26,000 | $1,960/mo | $84,000/yr |
| 20% | $51,900 | $1,650/mo | $71,000/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 Hamilton County
At about $186 per square foot, here is roughly how much home different budgets get you in Hamilton County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 810 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1080 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1340 sq ft | around the typical home here |
| $300k | 1610 sq ft | around the typical home here |
| $400k | 2150 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 filtered to Ohio.
Estimate a specific home in Hamilton County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Hamilton County home prices: frequently asked
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Browse all Ohio cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.