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Hamilton County, Ohio

Single-family vs. condo trends, market pressure signals, and 5-year price history. Source: Redfin.

Median Sale Price
$279,500
+31.8% YoY
Active Inventory
2,248
Days on Market
47 days
Price Drops
21.8%

Single-Family vs. Condo

Source: Redfin (property-type breakdown)
Single-Family Median
$295,000
+7.3% YoY
Condo / Co-op Median
$220,000
-2.0% YoY
SFR vs. Condo YoY Gap
+9.3%
SFR outperforming condos
DOM: SFR vs. Condo
44d / 49d
SFR / Condo

Buyer vs. Seller Market Indicators

Latest month — Redfin
Months of Supply
3.2 mo
Balanced

Inventory ÷ monthly sales. Below 3 = strong seller market; 3-6 balanced; above 6 = buyer market.

Sale-to-List Ratio
99.2%
At asking

Median closing price ÷ original list price. Above 100% = homes routinely closing above asking.

% Sold Above List
31%
Mixed

Share of closed sales priced above asking. The single cleanest read on bidder competition.

What does your sqft target cost in Hamilton County, Ohio?

$181/sqft median (Redfin)
+$0 adj
+$0 adj
optional
Estimated price
$361,039
Above median (+29% vs median)
Region median
$279,500
all homes
Price-tier reverse lookup — what sqft does each price band buy?
$600,000
≈ 3,324 sqft
$1,200,000
≈ 6,647 sqft
$2,000,000
≈ 11,079 sqft
$5,000,000
≈ 27,698 sqft

Estimate = (median $/sqft × your sqft) + bed/bath/lot adjustments. Bed and bath adjustments use Appraisal Institute / Fannie Mae standard rules of thumb (~$15K/extra bedroom, ~$20K/extra bathroom vs. a 3bd/2ba baseline; half-bath = half adj). Lot premium is a $1.50/sqft heuristic beyond a 6,000 sqft baseline — accuracy varies sharply by urban infill vs. acreage market. Quality, condition, year built, and HOA are not modeled here. For a deeper county-level hedonic AVM, see AVM Lite.

Rent + invest vs. buy + own — backtested

15-yr rolling history · S&P 500
Property type:
Upfront capital committed (both paths): $64K = 20% down + 3% closing on a $280K home
BUY + OWN
Median ending wealth $245K $150K real
Net gain on $64K upfront: $181K
Range: $245K → $245K
Wealth = home value (appreciated at 3%/yr) − remaining mortgage − 6% selling cost. Gain = wealth − upfront. Leveraged appreciation on full $280K asset comes from the 20% down.
RENT + INVEST
Median ending portfolio $497K $336K real
Net gain on $157K contributed: $339K
Range: $227K → $1.35M
Same upfront cash + each year's (own − rent) surplus invested in S&P 500 at actual annual returns. Median renter contributed $157K total.
Median wealth delta: $251K in favor of RENT + INVEST
What if you'd started in a recent year? (most-recent 15yr window: 2011–2025)
WindowBuy wealthBuy gainRent wealthRent gainWealth delta
2011–2025$245K$181K$744K$587K$498K rent
2010–2024$245K$181K$761K$603K$515K rent
2009–2023$245K$181K$737K$580K$492K rent
2008–2022$245K$181K$484K$326K$238K rent
2007–2021$245K$181K$624K$467K$379K rent
2006–2020$245K$181K$536K$379K$291K rent
2005–2019$245K$181K$479K$322K$234K rent
2004–2018$245K$181K$396K$238K$150K rent

Educational tool, not investment or real-estate advice. Past performance does not guarantee future results. Backtests use actual annual total returns including dividends from S&P 500 (Damodaran (NYU Stern) annual total return (with dividends), 1957-present.).

Buyer model: 30-yr fixed mortgage, P&I + property tax + insurance + maintenance (1% of value/yr) + HOA. Selling cost = 6%. Investor model: down payment + annual cashflow surplus invested in the chosen index at that calendar year's actual return.

Tax model: pre-tax comparison. Toggle "after-tax mode" to apply MID, SALT, LTCG, and the Sec 121 capital-gains exclusion.

This calculator does not adjust for: PMI (assumed 20%+ down), differential transaction costs by state, lifestyle factors (commute, schools, kids), illiquidity / forced-sale risk, or insurance availability constraints (e.g., FL/CA wildfire). Consult a fiduciary advisor and tax professional before acting on any of this.

Market Pressure Signals

Derived from Redfin trend
Inventory vs. Long-Term Avg
+21.5%
surplus — buyer leverage
DOM vs. 24-Mo Avg
-0.9%
currently 47 days
Long-Term Avg Inventory
1,851
Long-Term Avg DOM
47 days

Mortgage & Price Stress

State HPI + national delinquency
State HPI YoY
+5.1%
positive — appreciating
State HPI vs. Peak
0.0%
at or near peak peak 2025-10-01
National Mortgage Delinquency
1.89%
benchmark — 2026-01-01 county-grain delinquency requires paid data

State-grain HPI YoY + drawdown from peak is the cleanest free price-stress proxy. The national delinquency rate gives the macro mortgage-stress backdrop. True county-level mortgage delinquency lives in paid datasets (MBA NDS, CoreLogic LP).

Value Ratios

Median home price ÷ county median income
Value / Income
4.0×
fair value
Median Household Income
$70,816
Census ACS B19013

Historically affordable markets sit at 3–4× income; over 5× is stretched, over 6× is severely overvalued. Lower ratios point to bargain opportunities.

Housing Stock & Owners

Census ACS 5-year (B19013, B01003, B25002, B25003, B25034, B25007)
Population
827,878
total residents
Total Housing Units
380,414
all units, occupied + vacant
Vacancy Rate
7.4%
tight
Homeownership Rate
59.0%
of occupied units owner-occupied
Boomer Owners (65+)
18.4%
of homeowner households
Millennial / Gen-X Owners (35-54)
8.2%
of homeowner households
Pre-1949 Housing Stock
31.4%
structures built before 1949

When boomer-owner share is high, expect more inventory hitting the market over the next decade as homes transition. High vacancy + high old-stock often signals deferred-maintenance markets where buyers can negotiate.

Net Migration (IRS Tax Returns)

IRS Statistics of Income — Migration Data
Net Migration
-4,848
losing people (2022–2023)
Inbound Returns
14,593
21,437 people moved in
Outbound Returns
16,814
26,285 people moved out
Net Returns
-2,221
household-filer basis

Top 5 Origins (where movers came from)

  1. Butler, Ohio — 2,852 returns
  2. Clermont, Ohio — 1,649 returns
  3. Warren, Ohio — 1,292 returns
  4. Kenton, Kentucky — 895 returns
  5. Campbell, Kentucky — 566 returns

Top 5 Destinations (where movers went)

  1. Butler, Ohio — 3,171 returns
  2. Clermont, Ohio — 2,249 returns
  3. Warren, Ohio — 1,451 returns
  4. Kenton, Kentucky — 1,039 returns
  5. Franklin, Ohio — 669 returns

IRS Statistics of Income tracks county-to-county migration via tax-return change-of-address. Net migration uses the exemption count (a proxy for people, including dependents). True net flow can lag by 1–2 years vs. real-time movements.

Who's Moving In (Census ACS)

Source: Census ACS B07001 (5-year)
Inbound Movers (1 yr)
42,409
5.19% of pop. — moved here from outside the county
From Other States
19,200
2.35% of pop. — interstate inbound
From Abroad
3,830
moved into the county from outside the U.S.
Same House 1 Year Ago
86%
stable residents

Census ACS asks where people lived 1 year ago, so this counts inbound movers but does not show outbound — true net migration would require IRS SOI parsing.

Trends

Up to 5 years of monthly data

Median Sale Price

Trailing 12 months

Active Inventory

Trailing 12 months

Days on Market

Trailing 12 months

Looking for state-level data? See Ohio statewide stats →

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