Cincinnati - OH housing market
The Cincinnati metro has a typical home value of $305,940, up 2.2% from a year ago. Homes are moving fast at 11 days on market, a strong seller's market. 33% of listings have had a price cut. Data from Zillow Research, updated monthly.
Cincinnati housing market, October 2026
The typical Cincinnati home is worth $305,940 as of September 2026, up 0.1% from the prior month, up 0.3% over three months, and up 2.2% from a year ago. Over the past two years values have ranged from $291,482 to $305,940.
Homes are going pending in about 11 days, slower than the 6 days seen three months earlier. There are roughly 6,722 homes for sale, 8% more than a year ago. 32.7% of listings have taken a price cut (up from 27.2% three months ago).
Typical rent is $1,522 a month, up 2.9% year over year, which puts the price-to-rent ratio at 16.7.
At this week's 7.40% mortgage rate with 20% down ($61,188), the typical Cincinnati home costs about $2,077 a month including tax and insurance, which needs a household income of roughly $89,000 to stay under a 28% payment-to-income ratio.
Income needed to buy assumes 20% down, a 30-year fixed mortgage at 7.4% (Freddie Mac weekly average), property tax at 1.1% and insurance at 0.4% of value per year, and a 28% payment-to-income cap. Local taxes and insurance vary; treat it as a comparison figure across metros, not a lender's answer. All metros ranked →
How to read this data
The typical home value ($305,940) is the Zillow Home Value Index for the Cincinnati - OH metro area: a smoothed, seasonally adjusted estimate of the typical value for middle-tier homes (33rd to 67th percentile) across single-family and condo properties.
Prices are up 2.2% over the past year. In Cincinnati - OH, that means a home worth $299,354 last year is now worth roughly $305,940.
The median sale price, what homes actually close for, is $280,739. Homes are selling at 99.1% of list price, meaning buyers have room to negotiate.
Homes listed in Cincinnati - OH sit on the market for roughly 11 days before going pending. Shorter = seller's market; longer = buyer's market.
About 32.7% of current listings have had at least one price cut. High price-cut shares signal sellers are adjusting expectations downward.
Roughly 2,598 new listings hit the market each month in Cincinnati - OH. There are currently 6,722 homes for sale, up 8.5% from a year ago.
The typical monthly rent in Cincinnati - OH is $1,522, up 2.9% year over year. On the Rent vs Buy Index that is a price-to-rent ratio of 16.8x, toss-up (#101 of 195 metros). The mortgage on a typical home here, 20% down at today's 7.4% 30-year rate, runs about $1,695 a month in principal and interest, $173 more than renting before taxes, insurance and upkeep. The two break even at a 6.34% rate.
What's not on this page
This is market-level data, not property-level. We don't list individual homes for sale. For that, go to Zillow, Redfin, or your local MLS.
Data: Zillow Research (ZHVI and market indicators), refreshed monthly at the source. This page was rebuilt October 2026. Methodology →
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Other metros in OH
| Metro | Home value | 1-yr change | Days on market |
|---|---|---|---|
| Columbus - OH | $326,910 | +1.3% | 14.0d |
| Cleveland - OH | $250,001 | +3.9% | 13.0d |
| Akron - OH | $240,089 | +4.0% | 11.0d |
| Toledo - OH | $202,056 | +3.3% | 10.0d |
| Youngstown - OH | $175,230 | +4.8% | 23.0d |
| Canton - OH | $217,652 | +4.5% | 14.0d |