Market Overview
Home Prices in Cincinnati, OH
The median home value in Cincinnati, OH is $254,955 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.1% compared to a year ago and up 1.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cincinnati are priced38% below average. Cincinnati is part of the Cincinnati, OH-KY-IN metro area.
Over the past five years, Cincinnati home values have risen by approximately22.1%, reflecting strong long-term appreciation in this market.
Price History
Cincinnati Home Price Trend
City Comparison
Cincinnati vs. National Median
At $254,955, homes in Cincinnati cost 38% below the national median of $410,000. This makes Cincinnati a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cincinnati?
20% Down Payment
$50,991
on $254,955
Monthly P&I
$1,330/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,689/mo
incl. taxes & insurance
Income Needed
$67,560
gross annual (30% rule)
10% Down Option
$25,496
+ PMI applies
Loan Amount (20% dn)
$203,964
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Cincinnati, OH?
The median home value in Cincinnati is $254,955 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.1% year-over-year.
How much have home prices changed in Cincinnati?
Over the past year, home values in Cincinnati have increased by 1.1%. Over five years, prices have risen approximately 22.1%.
How much do I need to earn to buy a home in Cincinnati?
To comfortably afford the median home price of $254,955 with a 20% down payment ($50,991) at today's rates (6.8%), you'd need a gross annual income of approximately $67,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Cincinnati compare to the national average home price?
The national median home value is approximately $410,000. At $254,955, homes in Cincinnati are 38% below the national average.
What metro area is Cincinnati part of?
Cincinnati is part of the Cincinnati, OH-KY-IN metropolitan area. Home prices and market conditions can vary across the broader metro region.