Real Estate Investing in Cincinnati, Ohio (45219)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Hamilton County • Population: 19,326 • Data updated: September 2026

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Should you buy in 45219 (Cincinnati, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (49/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
3 flags
  • High vacancy: 14.2% of homes vacant — above national norms.
  • Elevated poverty: 23.2% poverty rate — can affect rent collection.
  • Lower household income: $34,990 median — tenant affordability is tighter.

What’s happening in Cincinnati, OH (45219)?

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3.0/ 5

Investability

Overall investment appeal

2.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $265,800
Avg Monthly Rent $1,367
1% Rule ✗ Does Not Meet
Median Income $34,990
% Renters 85.3%

Market Analysis: 45219 Cincinnati

ZIP 45219 in Cincinnati, OH carries a significant set of headwinds. Home values near $266K and rents of $1,367/mo sit inside a market where underwriting has to be tight.

On the rental side, the numbers look inviting — $266K purchase price, 0.0% nominal cap — the work to hit that pro forma in 45219 is substantial and deserves full respect.

ZIP 45219's metrics run below Hamilton County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Demographically, 45219 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Strategically, 45219 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Cincinnati:

C Below Average
Buy Confidence Score: 57/100
Affordability
5/25
Appreciation
18/25
Stability
11/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 7.6× the median income
Value Trend
Stable (+0.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,367/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: This market may be challenging for buyers. Consider your timing and budget carefully.
⚖️
BALANCED MARKET
Cincinnati, OH-KY-IN Metro Area
Even conditions for buyers and sellers
29 days
Average time to sell
Fast
12.9%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Cincinnati, OH-KY-IN metro data
🏠

Property Strategy for 45219

Which property type performs best in this market?

Best for Cash Flow
3BR
6.3% cap rate
Best for Appreciation
4BR
+9.3% 5yr CAGR
Best Overall Value
5BR
$64,907/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $192,272 $1,230 4.6% +8.2% $192,272
2BR $235,778 $1,580 4.8% +7.0% $117,889
3BR $236,016 $2,080 6.3% +7.7% $78,672
4BR $275,127 $2,310 6.0% +9.3% $68,782
5BR $324,533 +8.6% $64,907

Market Trends

Home Value History (with trend line)

$296K$250K$203K$157K$110K$64KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,460$2,189$1,918$1,648$1,377$1,106Aug 2017Feb 2022Jul 2026

📊 How Does 45219 Compare?

Metric 45219 Cincinnati Cincinnati, OH-KY-IN Ohio
Home Value $265,800 $262,113 N/A $237,530
5-Year CAGR 4.5% 4.8% N/A 7.4%
Avg Rent $1,367 $1,409 N/A -
Cap Rate 4.0% 4.6% - -
💡 Why Invest in 45219? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

85% of households rent in this area, creating consistent tenant demand for landlords.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 45219 (Cincinnati, 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

HOA
Unclaimed — is this your business? Claim it free

Gaslight Property offers apartments for rent in Clifton, near UC. summary from their website

Small multifamily
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SBS Property Management provides management, maintenance, inspections, finances, and communications for Condominium and Homeowner Associations across Ohio. summary from their website

HOA
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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
4.0%
Fair
5yr Growth
+4.5%
Moderate

📊 Market Snapshot

Home Value $265,800
Monthly Rent $1,367
Price-to-Rent 16.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.2%
Cap Rate 4.0%
5-Year IRR 8.5%

📈 Home Appreciation

1-Year +0.9% ▲
3-Year CAGR +3.2% ▲
5-Year CAGR +4.5% ▲
10-Year CAGR +8.2% ▲

🏠 Rent Trends

1-Year -40.3% ▼
3-Year CAGR -11.6% ▼
5-Year CAGR -4.6% ▼
Negative Leverage — IRR / Tax Play Cap Rate: 4.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.0%). 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.

Vacancy
14.2%
Moderate risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+4.5%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 45219

Population: 19,326

💰 Median Household Income
$34,990
This area
$34,990
State
$68,496
USA
$74,580
🏠 Renter Occupied
85.3%
This area
85.3%
State
25.8%
USA
34.0%
💼 Unemployment Rate
5.1%
This area
5.1%
State
-9.1%
USA
3.7%
🎓 College Educated
47.5%
This area
47.5%
State
8.4%
USA
33.7%
👤 Median Age
21.5 years
This area
21.5 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
14.2%
This area
14.2%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 69.4%
Black/African American 16.4%
Other/Mixed 7.3%
Asian 6.8%
Hispanic/Latino 3.0%
👶 Under 18
5.5%
This area
5.5%
USA
22.0%
👴 65 and Over
4.4%
This area
4.4%
USA
17.3%
📊 Poverty Rate
23.2%
This area
23.2%
USA
11.5%

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 45219

B+ Avg School Grade
3 Schools
17.9:1 Avg Class Size
$17,366 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

William H Taft Elementary School

📚 Pre-K – 06 School
👥
246 Students
👨‍🏫
13.7:1 Class Size
💰
$20,319 Per Student
A Very Good

Hughes STEM High School

📚 07 – 12 High School
👥
1,156 Students
👨‍🏫
15.6:1 Class Size
💰
$20,319 Per Student
C+ Average

Mount Auburn Preparatory Academy

📚 K – 12 K-12 Charter
👥
440 Students
👨‍🏫
24.4:1 Class Size
💰
$11,460 Per Student

Nearby Schools (5 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

Spencer Center for Gifted and Exceptional Students

📚 03 – 12 High School
📍 2825 Alms Pl, Cincinnati
👥
336 Students
👨‍🏫
11.8:1 Class Size
💰
$20,319 Per Student
A+ Excellent

Frederick Douglass School

📚 Pre-K – 06 School
📍 2627 Park Ave, Cincinnati
👥
247 Students
👨‍🏫
11.0:1 Class Size
💰
$20,319 Per Student
A+ Excellent

St Bernard-Elmwood Place Elementary School

📚 K – 06 School
📍 4515 Tower Ave, Saint Bernard
👥
293 Students
👨‍🏫
10.9:1 Class Size
💰
$35,182 Per Student
A+ Excellent

Academy Of World Languages School

📚 Pre-K – 08 School
📍 2030 Fairfax Ave, Cincinnati
👥
548 Students
👨‍🏫
13.8:1 Class Size
💰
$20,319 Per Student
A+ Excellent

Bellevue High School

📚 06 – 12 High School
📍 201 Center St, Bellevue
👥
330 Students
👨‍🏫
12.4:1 Class Size
💰
$24,733 Per Student
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

8 Nearby 4,641 Off-Campus Students
C+
University of Cincinnati-Main Campus
43,338 students · 0.3 mi
C
The Christ College of Nursing and Health Sciences
765 students · 0.4 mi
C+
Gods Bible School and College
443 students · 0.9 mi
C
Union Institute & University
1,098 students · 0.9 mi
C+
Good Samaritan College of Nursing and Health Science
457 students · 1.1 mi
C
Art Academy of Cincinnati
259 students · 1.2 mi
C+
Cincinnati State Technical and Community College
8,681 students · 2.1 mi
C+
Xavier University
6,000 students · 2.6 mi

Investor Insight: With 4,641 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Are homes affordable in Cincinnati, OH?

Cincinnati, OH home values average about $266K. That price point suits investors targeting rentals with $1,367/mo in monthly income.

What is the tenant pool like in Cincinnati, OH?

Expect a solid tenant pool in Cincinnati, OH. The rental market absorbs $1,367/mo rents without meaningful friction.

Is Cincinnati, OH suited for a house hack?

The a challenging house-hack environment in Cincinnati, OH reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

How does Cincinnati, OH stack up for property investment?

Yes - Cincinnati, OH a 3.0/5 investability score. With $266K home prices against $1,367/mo monthly rent, the market delivers a reasonable entry point for new investors.

How do experienced investors play Cincinnati, OH?

Investors who focus on careful cash-flow rentals with hands-on management typically do well in Cincinnati, OH. The numbers - $266K homes against $1,367/mo rents - support that play.

You know 45219 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 45219 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 45219 ranks in Cincinnati, OH-KY-IN

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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