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Cincinnati, OH

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US location · verified

Neighborhood intelligence

Your Cincinnati relocation brief

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

Median rent

$1,353/mo

HUD 2024

Median household income

$49,191

Census ACS 2022

Median home value

$192,000

Census ACS 2022

Safety score

1/100

FBI CDE

Schools

B+

Estimated

Weather

72°F (H 84° / L 61°)

Open-Meteo

Safety & Crime Index

1/100

FBI CDE

Worth extra due diligence — 110% above average

Below Average

Noise Level

37 dB — Quiet Suburb

Open-Meteo

Open-Meteo 16-day avg 72°F

Quiet — Low environmental index

High-Level School Grade

B+

Estimated

16:1 staffing ratio · Modeled district estimate from public data

Top 35% statewide

Environmental / Air Quality

AQI 35 — Good

Open-Meteo

Low pollen & dust baseline · wind index 45 (100 = avg)

Good / Low Pollen

Side-by-side

Compare with another city

See how Cincinnati stacks up on rent, safety, schools, and weather.

Neighborhood guide

Living in Cincinnati OH

Cincinnati is one of the more affordable options in its region at $1,353/month typical rent. Safety scores 1/100 and schools grade B+.

Cincinnati has about 308,870 residents. Scores below are citywide. Your ZIP can land better or worse on rent, crime, and schools.

Is Cincinnati OH Safe?

Cincinnati OH scores 1/100 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

Campus scores in the report: Cincinnati Elementary (elementary) at 7/10; Cincinnati Middle School (middle) at 7/10; Cincinnati High School (high) at 8/10. On this 10-point scale, 7 is solidly middle; 9 is a standout.

District picture: about B+ (above average) · Top 35% statewide. Student-teacher staffing: 16:1. If schools drive your move, compare the specific campuses that serve your target address against statewide peers.

Cost of Living in Cincinnati OH

Typical rent in Cincinnati is about $1,353/month (moderate). At $1,353/month for a typical unit, you need about $48,708+ in household income to rent comfortably without stretching (3× rent × 12). Typical home value: $192,000.

Median household income is $49,191, property taxes run about 1.45%, and homes typically sell in around 28 days. Local median income ($49,191) clears the $48,708 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 72°F (highs near 84°F, lows near 61°F).

Most of the year is outdoor-friendly; peak summer still needs AC for comfort. Cooling costs matter more than heating for most of the year. If you visit, go in late summer so you feel the heat, not just a mild weekend.

Who Should Move to Cincinnati OH?

Who tends to thrive in Cincinnati: (1) Renters who want $1,353/month housing without coastal prices (comfort income is about $48,708) (2) Households earning $48,708+ who can clear the 3× rent rule at $1,353/month (3) Movers with a locked job offer in Cincinnati who already priced rent, schools, 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 1/100) (2) Households expecting top marks on rent, safety, and schools at once (Cincinnati does not clear every bar) (3) People who will not research ZIP-level crime and school maps before leasing

Income sniff test: clear about $48,708 household income for $1,353/month rent. Under that, pick a cheaper ZIP or a different city.

Bottom Line

Moving to Cincinnati requires serious research first. Safety scores 1/100 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.

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

$1,366

Mortgage + tax + insurance + HOA

Annual property tax

$2,784

Annual est. $5,580

Est. monthly utilities

$301

Climate-adjusted electric, gas & water

Median home price

$192,000

Census ACS 2022

Home price trend

5-year median sale price

+11.2% · 5 yr
$173k
2022
$177k
2023
$182k
2024
$187k
2025
$192k
2026

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

Rent vs buy index

Estimated monthly cost comparison

Renting saves ~$13/mo vs buying
$1,353HUD 2024
Rent
$1,366
Buy

Mortgage

$971

Property tax

$232

Insurance

$69

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%

$2,548/yr

2024

1.37%

$2,624/yr

2025

1.41%

$2,703/yr

2026

1.45%

$2,784/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

20 (100 = avg)

low exposure

Est. annual homeowners insurance

$823/yr

moderate exposure
Wind hazard index45 (100 = avg)
Tornado index
Earthquake index
Insurance trendTypical near-term temperature around 72°F

Flood and wind exposure can materially affect premiums — verify FEMA maps and carrier quotes before closing. Estimated annual homeowners insurance: $823.

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