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Cincinnati, OH

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US location · verified

Neighborhood intelligence

Your Cincinnati relocation brief

Safety, noise, air quality, true cost, hazard, and commute intelligence for Cincinnati.

Median rent

$1,001/mo

ACS 2024 5-year

HUD 2-bedroom FMR $1,442/mo

Median household income

$52,909

ACS 2024 5-year

Median home value

$230,900

ACS 2024 5-year

Safety score

37/100

FBI CDE

Weather

59°F (H 69° / L 50°)

Open-Meteo

Buying in Cincinnati? Check current mortgage rates early — before you fall in love with a ZIP.

Safety & Crime Index

37/100

FBI CDE

Worth extra due diligence — 110% above average FBI data, 2023–2024

Below Average

Noise Level

39 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 59°F

Quiet — Low environmental index

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 40 (100 = avg)

Good / Low Pollen

Neighborhood guide

Living in Cincinnati OH

Cincinnati is one of the more affordable options in its region at $1,001/month typical rent. Safety scores 37/100.

Cincinnati has about 311,224 residents. Scores below are citywide. Your ZIP can land better or worse on rent and crime.

Is Cincinnati OH Safe?

Cincinnati OH scores 37/100 on safety (well below average). Crime is about 110% above the national average. Research block-level crime data and visit after dark before you commit.

Detail: overall crime index 210 (100 = avg); violent crime index 211; property crime index 209. Indexes near 100 track a typical U.S. load. Higher means more crime pressure on that category.

Schools in Cincinnati OH

School quality varies by neighborhood in Cincinnati. Check GreatSchools.org or your local district for current ratings before you choose a ZIP.

Cost of Living in Cincinnati OH

Typical rent in Cincinnati is about $1,001/month (affordable). At $1,001/month for a typical unit, you need about $36,036+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $230,900.

Median household income is $52,909, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($52,909) clears the $36,036 comfort line for that rent.

Walk Score 68 (Somewhat Walkable); transit score 42 (Some Transit).

Weather and Climate in Cincinnati OH

Average temperature is about 59°F (highs near 69°F, lows near 50°F).

You can be outside most of the year without extreme gear. Heating and cooling costs are usually moderate compared with hotter or colder metros. If you visit, go in winter or midsummer (not only in spring) to see the extremes.

Who Should Move to Cincinnati OH?

Who tends to thrive in Cincinnati: (1) Renters who want $1,001/month housing without coastal prices (comfort income is about $36,036) (2) Households earning $36,036+ who can clear the 3× rent rule at $1,001/month (3) Movers with a locked job offer in Cincinnati who already priced rent and commute (4) Buyers comparing mid-size metros who will tour multiple ZIPs before signing

Who should look elsewhere: (1) People with young kids who want to let them roam freely (crime pressure is real here; safety 37/100) (2) Households expecting top marks on rent and safety at once (Cincinnati does not clear every bar) (3) People who will not research ZIP-level crime maps before leasing

Income sniff test: clear about $36,036 household income for $1,001/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Moving to Cincinnati requires serious research first. Safety scores 37/100 which is significantly below average. If you have a specific reason to be here that justifies the tradeoff, go in with eyes open on neighborhood selection.

Next steps

Tools for your move

Quotes and listings for Cincinnati when you're ready to act.

Relocation deep-dive

Before you sign anything

True ownership costs, insurance hazards, and commute math for Cincinnati.

True Cost Matrix

Property tax trajectories and climate-adjusted utility estimates

Monthly carrying cost

$1,624

Mortgage + tax + insurance + HOA

Annual property tax

$3,348

Annual est. $5,580

Est. monthly utilities

$410

Climate-adjusted electric, gas & water

Median home price

$230,900

ACS 2024 5-year

Home price trend

5-year median sale price

+11.2% · 5 yr
$208k
2022
$213k
2023
$219k
2024
$225k
2025
$231k
2026

Modeled from +14.2% cumulative appreciation · median sale price by year

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$623/mo vs buying
$1,001ACS 2024 5-year
Rent
$1,624
Buy

Mortgage

$1,168

Property tax

$279

Insurance

$83

HOA

$95

Buy estimate: 20% down, 30-yr fixed at 6.5% APR · taxes, insurance & HOA included

Property tax trajectory

Effective rate and estimated annual bill on median home

2023

1.33%

$3,064/yr

2024

1.37%

$3,156/yr

2025

1.41%

$3,250/yr

2026

1.45%

$3,348/yr

Buying in Cincinnati? See current mortgage rates in minutes.

Disaster & Insurance Risk

Flood zone exposure and average insurance premium impacts

Flood zone

Zone X — minimal flood risk

moderate exposure

Wildfire hazard index

45 (100 = avg)

low exposure

Est. annual homeowners insurance

$990/yr

moderate exposure
Wind hazard index40 (100 = avg)
Tornado index—
Earthquake index—
Insurance trendTypical near-term temperature around 59°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $990.

Custom Commute Calculator

Work address, MPG, and toll footprint estimates

Work commute & expense calculator

Monthly gas and toll footprint from Cincinnati to your workplace

One-way drive

~24 min

At ~30 mph average

Monthly fuel

$66

18.9 gal · 22 days

Monthly tolls

$0

Round-trip toll estimate

Monthly total

$66

Gas + tolls · 48 min/day

Annual footprint

$792

Commute-only estimate

✓ Data sourced from U.S. Census Bureau, HUD, FBI & Open-Meteo