Real Estate Investing in Saint Bernard, Ohio (45217)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 45217 (Saint Bernard, OH)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 14.3% of homes vacant — above national norms.
What’s happening in Saint Bernard, OH (45217)?
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Market Analysis: 45217 Saint Bernard
Not every below-median market is a bargain. Saint Bernard's 45217 ZIP reflects signals that favor experienced operators who can absorb the risk $204K pricing implies.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 45217 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
In practical terms, 45217 offers a low basis, the region around Saint Bernard has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
The demographic picture in 45217 includes headwinds that any investor should price in. Income distribution skews lower than Saint Bernard averages, and tenant stability requires active management.
Strategy in 45217 is an operator game, not a passive one. Stepping back, entry prices of $204K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Saint Bernard:
Property Strategy for 45217
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $135,116 | $1,170 | 6.2% | +9.7% | $67,558 |
| 3BR | $211,704 | $1,540 | 5.2% | +8.6% | $70,568 |
| 4BR | $267,364 | $1,710 | 4.6% | +8.4% | $66,841 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 45217 Compare?
| Metric | 45217 | Saint Bernard | Cincinnati, OH-KY-IN | Ohio |
|---|---|---|---|---|
| Home Value | $204,350 | $204,350 | N/A | $237,530 |
| 5-Year CAGR | 5.3% | 5.3% | N/A | 7.4% |
| Avg Rent | $1,106 | $1,106 | N/A | - |
| Cap Rate | 4.2% | 4.2% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 45217 (Saint Bernard, OH). Anonymous, moderated, never written by AI.
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Property managers serving Hamilton County
Manage rentals here? List your business →Associa RPM provides comprehensive HOA and condominium management services in the greater Columbus, Dublin, Cincinnati, and Dayton areas of Ohio. summary from their website
Gaslight Property offers apartments for rent in Clifton, near UC. summary from their website
SBS Property Management provides management, maintenance, inspections, finances, and communications for Condominium and Homeowner Associations across Ohio. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $204,350 |
| Monthly Rent | $1,106 |
| Price-to-Rent | 15.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.5% |
| Cap Rate | 4.2% |
| 5-Year IRR | 9.5% |
📈 Home Appreciation
| 1-Year | +1.3% ▲ |
| 3-Year CAGR | +4.3% ▲ |
| 5-Year CAGR | +5.3% ▲ |
| 10-Year CAGR | +9.4% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.2%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 45217
Population: 5,437
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 45217
Schools in This ZIP Code
Nearby Schools (5 more)
Schools in adjacent ZIP codes that may serve this area
Spencer Center for Gifted and Exceptional Students
Frederick Douglass School
Academy Of World Languages School
Norwood High School
Norwood Middle School
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Investor Insight: With 4,641 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How much do tenants pay in Saint Bernard, OH?
Expect rents around $1,106/mo per month in Saint Bernard, OH. With home values at $204K, the yield math works out to reasonable levels for rental investors.
Are tenants stable in Saint Bernard, OH?
Saint Bernard, OH draws a even-keeled base of working renters. Demand at the $1,106/mo rent level is reasonable for standard single-family and small multi rentals.
What is the typical home price in Saint Bernard, OH?
Homes in Saint Bernard, OH typically sell near $204K. Prices have moved at a 0.0% 5-year CAGR, which even-keeled long-term demand.
Which investment style suits Saint Bernard, OH?
Investors usually favor careful cash-flow rentals with hands-on management in Saint Bernard, OH. With home values at $204K and rents near $1,106/mo, other strategies can work but produce reliable rather than outsized returns.
Can owner-occupants cash flow in Saint Bernard, OH?
Saint Bernard, OH offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,106/mo rent level.
You know 45217 now. You don’t know where it ranks.
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How 45217 ranks in Cincinnati, OH-KY-IN
Every ZIP in this metro, ranked. Free.
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