How much is a home worth in ZIP code 45245?

The typical home in 45245 is worth $332,100, based on the Zillow Home Value Index.

Are home values rising in 45245?

Home values in 45245 are up 3.1% over the past year, and up 6.1% a year over five years.

What is the typical rent in 45245?

A typical home in 45245 rents for about $1,784 a month, a gross rental yield of 6.4%.

What is the property tax rate in 45245?

The effective property tax rate in 45245 is 1.2% — roughly $3,896 a year on a typical home.

ZIP code 45245 has a population of 20,045 and a median household income of $80,147.

HousingHandbookReference data

…

U.S. ZIP Code · OH45245

Clermont County · Cincinnati, OH-KY-IN

Typical home value

$332,100^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +3.1%
5-year / yr: +6.1%
10-year / yr: +7.1%

Relative price

vs U.S.: +16.9%
vs metro: +17.0%
vs state: +51.9%

Price history

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

The typical home in 45245 is worth $332,100 — 17.0% above the Cincinnati, OH-KY-IN median. Over the past year, values have risen 3.1%. Homes here rent for a typical $1,784 a month — a 6.4% gross rental yield. The effective property tax rate is 1.2%.

#Rent & investment

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

Monthly rent: $1,784^[2]
Gross yield: 6.4%^[2]
Cap rate: 3.9%^[2]

#Property tax

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

Effective tax rate: 1.2%^[3]
Typical annual tax: $3,896^[3]

#Climate risk

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

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

#Who lives here

Population: 20,045^[3]
Median household income: $80,147^[3]

#Migration

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

Net migration: +701^[5]
Moved in: 6,211
Moved out: 5,510

Schools

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

Public schools: 5
Elementary: 5
Middle: 0
High: 0

Merwin Elementary School
Elementary · Grades K–5 · West Clermont Local
581 students
Summerside Elementary
Elementary · Grades PK–5 · West Clermont Local
576 students
Withamsville-Tobasco Elementary School
Elementary · Grades K–5 · West Clermont Local
530 students
Clough Pike Elementary School
Elementary · Grades K–5 · West Clermont Local
500 students
Locust Corner Elementary School
Elementary · Grades PK–5 · New Richmond Exempted Village
367 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.

Home value$Monthly rent$

Gross yield6.4%

Net yield (after ~40% expenses)3.9%

Annual rent$21,402

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.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$1,679

Loan principal$265,680

Down payment$66,420

Total interest paid$338,860

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.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.28

Monthly cost to own$2,280

Monthly rent$1,784

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: 67th percentile^[1]
Rental yield: 48th percentile^[2]
Property tax: 53rd percentile^[3]

Frequently asked

How much is a home worth in ZIP code 45245?: The typical home in 45245 is worth $332,100, based on the Zillow Home Value Index.
Are home values rising in 45245?: Home values in 45245 are up 3.1% over the past year, and up 6.1% a year over five years.
What is the typical rent in 45245?: A typical home in 45245 rents for about $1,784 a month, a gross rental yield of 6.4%.
What is the property tax rate in 45245?: The effective property tax rate in 45245 is 1.2% — roughly $3,896 a year on a typical home.
Who lives in 45245?: ZIP code 45245 has a population of 20,045 and a median household income of $80,147.

#Comparable ZIPs

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

47025 vs 45245 →
Bright CDP, IN
Typical home
$330,891
Gross yield
—
45103 vs 45245 →
Batavia, OH
Typical home
$330,428
Gross yield
7.0%
41051
Independence, KY
Typical home
$334,165
Gross yield
7.5%
41017
Edgewood, KY
Typical home
$335,115
Gross yield
5.6%
41005
Burlington CDP, KY
Typical home
$327,036
Gross yield
7.7%
45056
Oxford, OH
Typical home
$337,596
Gross yield
5.8%

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#Jump to section

U.S. ZIP Code · OH45245

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