Market Snapshot
- Median listing price
- $284K
- Median rent
- $1,150/mo
- Days on market
- 93 days
- Gross rental yield
- 4.86%
- STR vs LTR
- $1,679/mo STR · $1,150/mo LTR
The median listing price in Cincinnati, OH ZIP 45220 is $283,749.5 as of October 2026.
The median market rent in Cincinnati, OH ZIP 45220 is $1,150/month as of October 2026.
The median days on market in Cincinnati, OH ZIP 45220 is 93 days as of October 2026. The market is currently neutral.
At a median list price of $283,749.5 and a median rent of $1,150/month, the gross rental yield in Cincinnati, OH ZIP 45220 is 4.86% as of October 2026.
In Cincinnati, OH ZIP 45220, median Airbnb revenue is $1,679/month compared to median long-term rent of $1,150/month as of October 2026.
Cincinnati, OH 45220 Real Estate Market Report
ZIP Code: 45220
Report Date: October 2026
Scope: This ZIP code analysis focuses on single-family residential (SFR) properties. Metrics are calculated from recent sales and active listings within the past 90 days.
Market Overview
This analysis is based on a sample of properties from this ZIP code (up to 200 sold properties and up to 100 active properties). The median prices below are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.
Market Metrics
The property counts shown above represent only the properties analyzed in this report sample, not the total inventory for this ZIP code. Median prices are calculated from all available properties in the sample, while trend analysis uses properties from the selected analysis window.
Rental Market
Note: The relationship between property values and rental rates reflects different market dynamics. Higher-priced properties may have lower rental yields due to factors such as luxury market positioning, owner-occupancy preferences, or long-term appreciation strategies rather than immediate rental income maximization.
Property Taxes
Liquidity & Velocity
Market Trends & Context
Understanding Market Temperature
A Neutral market indicates balanced conditions where neither buyers nor sellers have a strong advantage, typically characterized by flat price trends, extended but stable days on market, and moderate inventory relative to sales.
Current Mortgage Rate Context
Market-level mortgage rate comparison for this area:
Current 30-year fixed mortgage rates in Cincinnati are 7.3% compared to the 5.7% average seen earlier in 2026, indicating that property owners in this market currently hold significantly more favorable financing.
Note: Interest rate comparisons provide market context. The existing "Interest Rate Pressure" metric above shows the qualitative market impact.
Key Findings
- median sold price $268,000 is the primary indicator of market value and recent transactions in ZIP 45220, representing the most reliable signal of what buyers are actually paying in the current environment.
- median listing price $283,750 sits above the median sold price, which may indicate pricing friction between seller expectations and recent transaction levels rather than a sustained upward shift in realized values.
- median days on market 93 points to slower sales velocity and suggests that properties are taking longer to convert to closed sales, which may reflect buyer caution amid financing headwinds.
- interest rate pressure elevated is an important headwind: Current 30-year fixed mortgage rates in Cincinnati are 7.3% compared to the 5.7% average seen earlier in 2026, which increases carrying costs and may suppress purchase activity; at the same time, the marketTemperature neutral and rentYoYTrend up indicate balanced price conditions with continuing rental demand that supports holding value.
Notable Properties
The following 8 properties represent notable market examples and recent transactions that illustrate key market dynamics. These are illustrative examples selected for their significance (top sales, market benchmarks, quick sales) and are not the basis for the statistical calculations shown above.
Recent Transactions
Highest sale in the past 90 days. Fully renovated with modern finishes and premium lot positioning.
Sold above market average
Sold above market average
Quick sale indicating strong buyer demand and competitive market conditions.
Sold above market average
Sold at market average
Representative market sale establishing baseline for properties in the core neighborhood.
Sold below market average
Investment Analysis
Compare rental income potential against ownership costs and benchmark against market averages.
Monthly rental income vs estimated ownership cost
20% down, 7.32% rate, 1.4% tax
Avg nightly rate and occupancy for this ZIP
Data Sources
Real estate market data & public records, and GemHaus® proprietary models.
Report generated: 10/28/2026
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