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Area data

Cincinnati, OH — ZIP 45209

Population: 10,570 (Census ACS)

The median home value in ZIP 45209 (Cincinnati, OH) is $405,545 — down 0.6% over the past year. Homes sell for a median $318,500 after a median 94 days on market. Typical rent runs $1,515/month. FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively High, with lightning, tornado, coldwave the top-rated hazards. Cost of living is 9.5% below the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$405,545

Median home value

-0.6%

1-year change

94

Median days on market

Relatively High

Hazard risk (county)

Home values & appreciation

Median home value
$405,545
1-year appreciation
-0.6%
3-year appreciation
+9.8%
5-year appreciation
+21.5%
10-year appreciation
+69.2%
All-time peak (2026-02)
$413,967
House Price Index (state)
353.3 (+4.7% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$318,500
Median list price
$460,000
Median price per sqft
$192
1-year sale-price change
-18.5%
Median days on market
94 days
Homes sold (recent period)
2
For-sale inventory
32
Sale-to-list ratio
91.2%
Active listings
1
1-year forecast
+1.3%
Days to pending
25 days
New listings (monthly)
20

Source: recent area sales and market data (ZIP-level)

Rents

Typical rent
$1,515/mo
1-year rent change
+1.3%
Studio fair-market rent
$1,250/mo
1BR fair-market rent
$1,380/mo
2BR fair-market rent
$1,770/mo
3BR fair-market rent
$2,340/mo
4BR fair-market rent
$2,590/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Below Average)
90.5 (100 = US avg)
Electricity rate (state-level)
17.0¢/kWh
Natural gas rate (state-level)
$13.90/MCF
30-year mortgage rate (national)
6.66%
15-year mortgage rate (national)
6.00%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively High
Top hazards (county)
lightning, tornado, coldWave, heatWave, iceStorm
Notable hazard ratings (county)
coldWave: Relatively High · drought: Relatively Low · earthquake: Relatively Moderate · hail: Relatively Moderate · heatWave: Relatively High · iceStorm: Relatively High
FEMA flood zone
A13
Flood risk level
High
Wildfire risk to homes (county)
Higher than 9% of US counties
Buildings in wildfire direct-exposure zone
33.5%
Radon potential (county)
High radon potential — EPA Zone 1 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Pristine, Inc. (5.8 mi)
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA flood data (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
58.0°F
Average high
67.0°F
Average low
48.0°F
Annual precipitation
40.7 in
Annual snowfall
6.4 in
USDA plant hardiness zone
6b (extreme annual low -5 to 0°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Moderate
Median AQI (annual)
54
Days with Good air quality
129
Days with Moderate air quality
217
Days with Unhealthy air quality
2
Highest AQI recorded (year)
193

Source: EPA air quality data (nearest monitoring station, annual)

Walkability & transit

Walkability index
16.2 / 20
Transit service frequency
382
Jobs reachable by car (30 min)
86,207
Jobs reachable by transit (45 min)
58,464

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
3
Nearest national park
William Howard Taft National Historic Site (5 mi)
National parks include
William Howard Taft National Historic Site, Dayton Aviation Heritage National Historical Park, Charles Young Buffalo Soldiers National Monument
Airports within 30 mi
38
Nearest airport
Cincinnati Municipal Airport Lunken Field (LUK) (4 mi)
Nearest major airport
Cincinnati Municipal Airport Lunken Field (LUK) (4 mi)
Hospitals nearby (~15 mi)
16
Hospitals include
ST ELIZABETH FT THOMAS, ST ELIZABETH EDGEWOOD, ST ELIZABETH FLORENCE
Avg hospital rating (CMS)
3.4 / 5
Best hospital rating nearby (CMS)
5.0 / 5
Solar radiation rating
Fair (4.0 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data · DOE/NREL (proximity-based)

Migration

Net migration (county)
-2,373 tax filers

Source: IRS county-to-county migration data (county-level, ~12-month lag)

Housing stock

Median year housing built
1,949
Housing built before 1970
67.0%
Housing built 2000 or later
20.6%
Median annual property tax
$6,507
Mean commute to work
15 min
Households with broadband internet
85.8%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
462,193
Average weekly wage
$1,427
Top industries (by employment)
Health Care, Accommodation & Food, Professional Services
Annual residential building permits (county)
527

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 45209State medianUS median
Median home value$405,545$225,539$289,727
Median sale price$318,500$242,250$325,000
Median days on market94 days45 days51 days
Typical rent$1,515/mo$1,394/mo$1,808/mo
Median annual property tax$6,507$1,962$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the median home value in ZIP 45209?
$405,545.
What is the median sale price in ZIP 45209?
$318,500.
How long do homes take to sell in ZIP 45209?
Median days on market: 94 days.
What is typical rent in ZIP 45209?
Typical rent: $1,515/month.
What is the natural-hazard risk in ZIP 45209?
Overall risk: Relatively High (FEMA NRI, county-level). Top hazards: lightning, tornado, coldWave, heatWave, iceStorm.
Is ZIP 45209 in a flood zone?
High (FEMA NFIP). FEMA flood zone A13.
What is the wildfire risk in ZIP 45209?
Risk to homes is higher than 9% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 45209?
High radon potential — EPA Zone 1 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 45209?
No current or proposed National Priorities List sites within 5 miles (EPA).
Is ZIP 45209 walkable?
Walkability index: 16.2/20 (EPA Smart Location Database).
What is the air quality in ZIP 45209?
Moderate. Median AQI: 54. (EPA AQI).
What is the cost of living in ZIP 45209?
Regional Price Parity: 90.5 (100 = US average) (Below Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

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Data last updated

Most recent source refresh: Sep 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents