Cincinnati
Investment Analysis

Cincinnati, OH
Housing Market Screening

City-level home-price and one-bedroom-rent references with transparent methodology and limitations.

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City-level screening

27.2x

Home price / annualized 1BR rent

Gross annual 1BR-rent reference
3.7%
Recorded YoY field
+2.0%

Not cap rate, ROI, valuation or buy-versus-rent advice. City fields may reflect different source years.

Median Home Price
$300,000
Average Rent (1BR)
$919/mo
Median Income
$54,314
Population
311,112

Housing Screening Context

Cincinnati has a computed screening multiple of 27.2x and a gross annual 1BR-rent reference of 3.7%.

These values compare separate city-level fields, not one matched property. They exclude financing, taxes, insurance, maintenance, vacancy, transaction costs and tenure horizon.

Recorded year-over-year price change: +2.0%. Source period and forecast assumptions should be reviewed before scenario use.

Read the transparent methodology or open the Housing Research Hub.

Rental Cash Flow Analysis

Monthly Income

Gross Rent $919
Annual Gross $11,028

Est. Monthly Expenses

Property Tax (~1.5%) -$375
Insurance (~0.5%) -$125
Maintenance (~1%) -$250
Est. Net Cash Flow $169/mo

Price Forecast 2026โ€“2028

๐Ÿ”ฎ Cincinnati Price Forecast 2026โ€“2028

Based on 5-year Zillow ZHVI trend analysis ยท Statistical projection
๐Ÿ“ˆ Upward Trend
PROJECTEDNOW$254K2027$271Kโ–ฒ 6.5%2028$281Kโ–ฒ 10.5%20232024Now
$295K$222K
Current
$300K
2026
Projected
$271K
โ†‘ 6.5% by 2027
Projected
$281K
โ†‘ 10.5% by 2028
5yr CAGR:+4.2%
Confidence:High
Rยฒ:0.94
โ–ผ

The Cincinnati housing market forecast for 2026-2028 suggests a period of stabilization rather than dramatic shifts. With a median home price of $240,511 and a relatively cool market temperature of 68/100, the region is poised for steady, single-digit appreciation. The price-to-rent ratio of 19.0x slightly exceeds the national average, indicating that while buying remains competitive, it hasn't reached the extreme premiums seen in larger coastal metros. Given the modest YoY price change of 1.3% and a solid 5-year CAGR of 5.7%, the data points toward sustainable growth rather than a speculative bubble.

When asking will Cincinnati home prices drop, the risk grade of A and the rapid 22 days on market suggest significant declines are unlikely. Affordability remains a key advantage for Cincinnati real estate Cincinnati 2027, supported by a robust logistics and healthcare economy that continues to draw residents. However, the neutral buy/rent verdict implies that investors should look for value in specific neighborhoods rather than expecting broad, aggressive gains. The 5-year price range of $181,393 โ€“ $240,511 highlights the importance of entry-point strategy.

Projected Cap Rate (2027)
2.5%
5yr CAGR
+4.2%

Job Market

Unemployment 3.8%
National avg: 3.7%
Job Growth (YoY) +0.8%

Healthcare

74
Score
Good

Risk Factors

High Crime Area

Market Activity

Source: Redfin ยท 2026-05-31
Sale-to-List 98.8%
Months Supply 3.5
Price Drops 27%
Gone in 2 Wks 52%

Market Position

Affordability Below Avg
Safety Higher Risk

ROI Projector Model an editable scenario

Adjust the sliders to model different investment scenarios for Cincinnati.

Total ROI
-85%
on $60,000 invested
Annual ROI
-31.6%
compounded
Total Return
-$51,012
appreciation + cashflow
Mo. Cash Flow
-$1,442
year 1 estimate
Equity Growth Over 5 Years
Y168kY277kY386kY495kY5105k
Appreciation
$30,575
Cash Flow
-$81,587
Final Equity
$104,640

* Estimates based on 2.0% annual appreciation, 3% rent growth, 5% vacancy. Does not include closing costs, tax benefits, or capital gains tax. For illustrative purposes only.

Rental Scenario Calculator Estimate your monthly cashflow

Rental Cash-Flow Scenario

Pre-filled for Cincinnati

Property

Purchase Price$300,000
Monthly Rent$919
Down Payment20%

Financing

Interest Rate6.5%

Expenses

Property Tax1.2%
Insurance (Annual)$1,500
Maintenance Reserve1%
Vacancy Rate5%
Property Management0%
HOA (Monthly)$0
-$1,319
Modeled Monthly Cash Flow
-$15,827/ year
-26.4%
Cash-on-Cash
0.8%
Cap Rate

Monthly Breakdown

+ Rental Income$919
โˆ’ Mortgage (P&I)$1,517
โˆ’ Property Tax$300
โˆ’ Insurance$125
โˆ’ Maintenance$250
โˆ’ Vacancy Loss$46
= Net Cash Flow-$1,319

Scenario Summary

Down Payment
$60,000
Loan Amount
$240,000
Total Monthly Expenses
$2,238
Gross Yield
3.7%

Investor Toolkit

Research Cincinnati before you invest

Disclaimer: This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be made after consulting with qualified professionals. Data sources include Zillow, Census Bureau, and BLS. Cap rates and yields are estimates based on available data.

Last updated: July 2026