Aug 2026
$293K
+3.2% year-over-year
How it’s calculated
Rolling 3-month median sale price vs. same 3 months one year prior.
Cincinnati, OH
Daily-refreshed real estate signals + Three-Opinion home-price methodology for Cincinnati, OH. Built for agents; free to read.
Cincinnati, OH’s median sale price is $293K as of Aug 2026 — +3.2% year over year. Pecan Street tracks Cincinnati with its Three-Opinion home-price methodology (Redfin, FHFA HPI, and Zillow ZHVI), with no market signals flagged right now.
Headline
Sep 18, 2026
7.04%
30-year fixed
Where it comes from
National benchmark: Optimal Blue OBMMI 30-year conforming, via FRED. An average of rates borrowers have actually locked, updated daily.
The same rate appears on every market page.
Principal & interest
$1,563/mo
$67K/yr income needed
How it’s calculated
Payment — this market’s median sale price with 20% down, on a 30-year fixed loan at the rate shown. Principal and interest only — no property tax, insurance, PMI or HOA.
Income needed — that payment at 28% of gross income. A rule of thumb, not a lending decision.
How Cincinnati compares to other U.S. metros
| Price cuts | ↑23rd of 194 (top 12%) |
|---|---|
| Days on market | ↓162nd of 194 |
| Price-to-rent | ↓128th of 195 |
| Home-price growth | ↑72nd of 195 (top 37%) |
Rank across the U.S. metros Pecan Street tracks, on market data alone — a higher rank means more of that measure (more price cuts, faster price growth, a wider asking-vs-sale gap, a higher price-to-rent ratio, or more days on market). The bar shows where this metro sits within that metric’s own cohort (left is more, right is less); ↑ and ↓ mark the positions furthest from the middle, and rows are ordered the same way. Metrics without data for this metro are omitted.
Affordability
| Price-to-rent ratio | ≈ 14 -1.3% YoY ↓128th of 195 |
|---|---|
| Asking price / sq ft | $191 -0.2% YoY |
Price-to-rent divides the median sale price by the annual HUD Fair Market Rent (a 3-bedroom, 40th-percentile benchmark), so it is a directional rent-vs-buy read, not a cap rate; its year-over-year change is directional in the same way. Asking price per square foot is the median across active for-sale listings (Realtor.com), as of Aug 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market pressure
| Listings with a price cut | ≈ 48% +0.8 pts YoY ↑23rd of 194 (top 12%) |
|---|---|
| New housing units permitted | 547 |
Price-cut share is the portion of active for-sale listings that have taken a price reduction (Realtor.com), as of Aug 2026. New housing units authorized by residential building permits in the metro that month — new supply in the pipeline, which counts of existing listings don't capture (US Census Bureau, Building Permits Survey), as of Jul 2026. The bar under a figure places this metro among the U.S. metros we track on that measure, highest first.
Market facts
| ZIPs with listing data | 12 shown of 157 |
|---|---|
| MLS board of record | MLS of Greater Cincinnati |
| Price methodology | Three-Opinion · Redfin · FHFA HPI · Zillow ZHVI |
| Data as of | Aug 2026 |
Recent signals
No signals flagged for this market right now.
Price reconciliation
normal · 0.6ppRedfin (city) +3.2% | FHFA HPI · Q2 2026 +3.8% |
Year-over-year home-price change from two independent methods — Redfin (monthly sold price) and FHFA (quarterly repeat-sales index). When they diverge, the market is mid-shift; cite the figure with that in mind.
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Start free trialZIP-level data
| ZIP | Median list price | Active listings | New listings | Price reductions | Days on market | Home value |
|---|---|---|---|---|---|---|
| 41017 | $385K↑ | 99↑ | 68↓ | 40↓ | 44↑ | $340K↑ |
| 41071 | $300K↓ | 115↑ | 40↑ | 40↓ | 63↑ | $235K↑ |
| 41091 | $525K↓ | 107↑ | 48↑ | 44↑ | 40↓ | $461K↑ |
| 45005 | $350K↑ | 88↑ | 56↑ | 68↑ | 43↑ | $278K↑ |
| 45011 | $425K↓ | 109↓ | 72↑ | 72 | 36↓ | $377K↑ |
| 45013 | $300K↓ | 94↑ | 64↑ | 44↑ | 50↑ | $276K↑ |
| 45036 | $449K↓ | 164↑ | 64↑ | 36↓ | 63↑ | $412K↑ |
| 45040 | $599K↓ | 115↑ | 52↓ | 36↓ | 33↑ | $506K↑ |
| 45044 | $264K↓ | 106↑ | 64↓ | 56↑ | 40↑ | $268K↑ |
| 45069 | $460K↓ | 88↑ | 60↑ | 56↑ | 32↓ | $430K↑ |
| 45150 | $346K↑ | 88↑ | 56↓ | 32 | 47↑ | $340K↑ |
| 45202 | $360K↓ | 115↑ | 24↑ | 32↑ | 79↑ | $380K↓ |
ZIP figures from Realtor.com listing data; home value from Zillow ZHVI. ZIP codes shown have the most complete listing-data history and active for-sale inventory in this metro; the latest available month is shown per ZIP. Arrows show the direction of each figure against the same three months a year earlier; no arrow means the change rounds to zero or the comparison isn't available.