Real Estate Investing in Cincinnati, Ohio (45245)
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Should you buy in 45245 (Cincinnati, 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.
No major risk flags on the data we track.
What’s happening in Cincinnati, OH (45245)?
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Market Analysis: 45245 Cincinnati
Investors eyeing 45245 need to respect the fundamentals at play. Home values of $334K come alongside slower price movement and elevated management overhead.
For an experienced owner, 45245 can be a a credible choice for hunting ground — but the discount at $334K reflects genuine risk that outside investors often underestimate.
The gap between 45245 and stronger Cincinnati ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
A notable renter share of 37% in 45245 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
Strategy in 45245 is an operator game, not a passive one. On the rental side, entry prices of $334K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Cincinnati:
Property Strategy for 45245
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $229,341 | $1,420 | 4.5% | +9.4% | $114,671 |
| 3BR | $303,379 | $1,870 | 4.4% | +8.1% | $101,126 |
| 4BR | $443,904 | $2,070 | 3.4% | +8.4% | $110,976 |
| 5BR | $569,277 | — | — | +7.4% | $113,855 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 45245 Compare?
| Metric | 45245 | Cincinnati | Cincinnati, OH-KY-IN | Ohio |
|---|---|---|---|---|
| Home Value | $334,335 | $262,113 | N/A | $237,530 |
| 5-Year CAGR | 5.6% | 4.8% | N/A | 7.4% |
| Avg Rent | $1,564 | $1,409 | N/A | - |
| Cap Rate | 3.7% | 4.6% | - | - |
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 45245 (Cincinnati, OH). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $334,335 |
| Monthly Rent | $1,564 |
| Price-to-Rent | 17.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.6% |
| Cap Rate | 3.7% |
| 5-Year IRR | 9.3% |
📈 Home Appreciation
| 1-Year | +4.7% ▲ |
| 3-Year CAGR | +4.4% ▲ |
| 5-Year CAGR | +5.6% ▲ |
| 10-Year CAGR | +7.2% ▲ |
🏠 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 (3.7%). 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 45245
Population: 19,707
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 45245
Schools in This ZIP Code
Nearby Schools (4 more)
Schools in adjacent ZIP codes that may serve this area
Ayer Elementary School
Summit Elementary School
Anderson High School
Nagel 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 2,742 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How does Cincinnati, OH stack up for property investment?
Cincinnati, OH sits at an investability rating of 3.0/5, with median home values near $334K and average rents around $1,564/mo. That combination puts it in the resilient tier for investor interest.
What is the best play in Cincinnati, OH?
Cincinnati, OH investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($334K prices, $1,564/mo rents) make it a reasonable choice.
What is the average monthly rent in Cincinnati, OH?
Rent in Cincinnati, OH is around $1,564/mo. The resulting rent-to-value relationship with $334K pricing is reasonable for most investor models.
How high is vacancy risk in Cincinnati, OH?
Cincinnati, OH carries elevated vacancy risk. Expect stable absorption at market rents of $1,564/mo.
How strict are landlord regulations in Cincinnati, OH?
Rental owners in Cincinnati, OH deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.
You know 45245 now. You don’t know where it ranks.
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How 45245 ranks in Cincinnati, OH-KY-IN
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