HousingHandbookReference data

U.S. ZIP Code · OH45230

Hamilton County · Cincinnati, OH-KY-IN

Typical home value

$314,672[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+2.4%
5-year / yr
+5.3%
10-year / yr
+6.1%

Relative price

vs U.S.
+10.8%
vs metro
+10.9%
vs state
+43.9%
ZIP 45230 location in OH
Location of ZIP 45230 in OH

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 45230 is worth $314,672 — 10.9% above the Cincinnati, OH-KY-IN median. Over the past year, values have risen 2.4%. Homes here rent for a typical $1,346 a month — a 5.1% gross rental yield. The effective property tax rate is 1.7%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
$1,346[2]
Gross yield
5.1%[2]
Cap rate
3.1%[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
1.7%[3]
Typical annual tax
$5,282[3]

#Climate risk

FEMA National Risk Index ratings for Hamilton County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively High[4]
Riverine flood
Relatively High
Coastal flood
Not Applicable
Wildfire
Very Low
Drought
Relatively Low
Heat wave
Relatively High
Hurricane
Very Low
Tornado
Very High
Earthquake
Relatively Moderate
Winter weather
Relatively High

#Who lives here

Population
27,501[3]
Median household income
$89,516[3]

#Migration

Household moves in and out of Hamilton County over a year, from IRS tax-return data.

Net migration
-1,903[5]
Moved in
18,761
Moved out
20,664

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
4
Elementary
4
Middle
0
High
0
  • Sherwood Elementary School

    Elementary · Grades PK–6 · Forest Hills Local

    722 students

  • Sands Montessori School

    Elementary · Grades PK–6 · Cincinnati Public Schools

    678 students

  • Maddux Elementary School

    Elementary · Grades K–6 · Forest Hills Local

    578 students

  • Mt. Washington School

    Elementary · Grades PK–7 · Cincinnati Public Schools

    286 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield5.1%
Net yield (after ~40% expenses)3.1%
Annual rent$16,157

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,591
Loan principal$251,738
Down payment$62,934
Total interest paid$321,078

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio1.70
Monthly cost to own$2,294
Monthly rent$1,346

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
36th percentile[1]
Rental yield
26th percentile[2]
Property tax
94th percentile[3]

Frequently asked

How much is a home worth in ZIP code 45230?
The typical home in 45230 is worth $314,672, based on the Zillow Home Value Index.
Are home values rising in 45230?
Home values in 45230 are up 2.4% over the past year, and up 5.3% a year over five years.
What is the typical rent in 45230?
A typical home in 45230 rents for about $1,346 a month, a gross rental yield of 5.1%.
What is the property tax rate in 45230?
The effective property tax rate in 45230 is 1.7% — roughly $5,282 a year on a typical home.
Who lives in 45230?
ZIP code 45230 has a population of 27,501 and a median household income of $89,516.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Amelia CDP, OH

    Typical home
    $312,312
    Gross yield
    6.0%
  • Cedar Grove, IN

    Typical home
    $317,198
    Gross yield
  • Crittenden, KY

    Typical home
    $309,452
    Gross yield
  • Melbourne, KY

    Typical home
    $309,333
    Gross yield
  • New Richmond, OH

    Typical home
    $309,048
    Gross yield
  • Pleasant Plain, OH

    Typical home
    $321,511
    Gross yield

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