Safe Rate Local
Learn about the people, housing, costs and businesses in Cincinnati, Ohio
Real local data across mortgage, insurance, natural hazard, and place.
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Cincinnati.
True all-in cost — P&I, taxes, insurance & utilities for homes in Cincinnati.
Find and compare lenders active near Cincinnati.
FEMA flood zones and flood insurance estimates for Cincinnati.
Seismic risk and earthquake insurance estimates for Cincinnati.
Wildfire exposure and insurance estimates for Cincinnati.
As of today, the 30-year fixed mortgage rate for Cincinnati is approximately 6.990% (7.043% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for CincinnatiThe median home value in Cincinnati is $261k. The median monthly rent is $1,049. Annual property taxes average $4k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Cincinnati have increased 17.9% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,153/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $49k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Cincinnati is $59k/year.
Calculate your buying powerThe largest employment sectors in Cincinnati are public administration (26%) and healthcare (14%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.