Cincinnati appears moderately affordable relative to its own income and housing benchmarks. With a median household income of $52,909, the median gross rent of $1,001 represents about 22.7% of monthly income, which is within a commonly cited affordability threshold. However, the uniform non-housing calculator baseline of $1,250 per month suggests additional costs may strain budgets, and citywide data does not reflect neighborhood-level variation in costs or quality.
Cincinnati at a glance
What the default budget models
A one-person renting household begins with a modeled annual core-cost baseline of $27,012. It combines the ACS median gross-rent estimate with a uniform $1,250 monthly non-housing baseline. State income tax is excluded until a current official reference is approved; the calculator labels that limitation instead of guessing.
| 2024 ACS population estimate | 311,224 |
| 2024 ACS median household income | $52,909 |
| 2024 ACS median gross rent | $1,001 |
| 2024 ACS median owner-occupied home value | $230,900 |
| Derived one-way commute estimate | 24 minutes |
| State-tax treatment | Excluded — official reference pending |
| Rent-to-income reference | 23% |
The trade-off
Relative strength: Median rent is 22.7% of median income.. Watch closely: lower housing costs may be offset by higher non-housing expenses..
Compare Cincinnati
Frequently asked questions
Is rent in Cincinnati affordable for the average household?
Median gross rent of $1,001 per month is about 22.7% of the median household income of $52,909, which falls within a range often considered affordable, though this is a citywide average and does not reflect variation across neighborhoods or individual circumstances.
How does Cincinnati’s median home value compare to its income?
The median owner-occupied home value is $230,900, which is approximately 4.36 times the median household income of $52,909. This ratio suggests moderate home affordability relative to income, though actual affordability depends on down payment, interest rates, and other costs not included in the ACS data.
Source ledger
Every production input below is retained with its publisher and dataset. The ACS figures are five-year estimates, not live listings or guarantees.
- PopulationU.S. Census Bureau · 2024 ACS 5-Year B01003
- Median household incomeU.S. Census Bureau · 2024 ACS 5-Year B19013
- Median gross rentU.S. Census Bureau · 2024 ACS 5-Year B25064
- Median owner-occupied home valueU.S. Census Bureau · 2024 ACS 5-Year B25077
- Commute-time distributionU.S. Census Bureau · 2024 ACS 5-Year B08303
Interpretation: The ACS 2024 five-year estimates generally summarize observations across 2020–2024. The commute number is a weighted midpoint estimate from table B08303. State income tax is not included in the modeled take-home result. Verify a current address, quote, commute, and tax situation before making a decision.