All Reports Housing Affordability Cincinnati MSA • February 2026 • All

Housing Affordability

Home price and typical payment compared to income

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Housing AffordabilityCincinnati MSAFebruary 2026

Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
February 2026
33.6%
Year-over-year change
-10%
Compared to 37.3% last year
Difference from state
+2%
Compared to 32.8% in Indiana
View source and notes...

Last update: March 7, 2026, 4:23 a.m. Source: IAR Data Warehouse / American Community Survey Data notes: Assumes 10% down payment, 0.77% tax rate, 0.83% insurance rate, 0.79% PMI rate. Interest rates are based on the national 4-week rolling average. Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Cincinnati MSA includes Dearborn County, Ohio County, Union County.

Affordable Listings

Pct. of listings in last 90 days affordable to household earning $75K
February 2026
30.8%
Year-over-year change
+18%
Compared to 26.1% last year
Difference from state
-32%
Compared to 45.2% in Indiana
View source and notes...

Last update: March 7, 2026, 4:11 a.m. Source: IAR Data Warehouse Data notes: Assumes 10% down payment, 0.77% tax rate, 0.83% insurance rate, 0.79% PMI rate. Interest rates are based on the national 4-week rolling average. Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Cincinnati MSA includes Dearborn County, Ohio County, Union County.

Demographics

Median Household Income

Adjusted to current dollars
January 2025
$78,827
Year-over-year change
+9%
Compared to $72,292 last year
Difference from state
+13%
Compared to $69,976 in Indiana
View source and notes...

Last update: March 7, 2026, 4:23 a.m. Source: American Community Survey and Bureau of Labor Statistics Employment Cost Index Data notes: The most recent income measure from the American Community Survey is adjusted by two-year change in the Employment Cost Index to adjust to current dollars. Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Cincinnati MSA includes Dearborn County, Ohio County, Union County.

Market Momentum

Price

Median Monthly Payment

For median-priced home
February 2026
$2,205
Year-over-year change
-10%
Compared to $2,447 last year
Difference from state
+15%
Compared to $1,911 in Indiana
View source and notes...

Last update: March 7, 2026, 4:11 a.m. Source: IAR Datawarehouse Data notes: Assumes 10% down payment, 0.77% tax rate, 0.83% insurance rate, 0.79% PMI rate. Interest rates are based on the national 4-week rolling average. Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Cincinnati MSA includes Dearborn County, Ohio County, Union County.

Median Sale Price

3-Month Rolling Median
February 2026
$300,000
Year-over-year change
-4%
Compared to $312,900 last year
Difference from state
+15%
Compared to $259,900 in Indiana
View source and notes...

Last update: March 7, 2026, 4:11 a.m. Source: IAR Data Warehouse Data notes: - Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Cincinnati MSA includes Dearborn County, Ohio County, Union County.

Sales

Closed Sales by Price

12-month rolling total
All properties, February 2026
490
+16%
Under $250K
169
+12%
At Least $250K
321
+18%
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Cincinnati MSA includes Dearborn County, Ohio County, Union County.

Supply

New Listings by Price

12-month rolling total
All properties, February 2026
615
+18%
Under $250K
181
-1%
At Least $250K
434
+29%
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Cincinnati MSA includes Dearborn County, Ohio County, Union County.

Inventory by Price

Average daily inventory in latest month
All properties, February 2026
85
+16%
Under $250K
28
+23%
At Least $250K
57
+13%
View source and notes...

Last update: March 7, 2026, midnight Source: IAR MLS Data Warehouse Data notes: None Geography notes: Metropolitan Statistical Areas are defined by the U.S. Census Bureau after each decennial census. They are made up of one or more counties and contain an urbanized area with at least 50,000 people. Learn more here: https://www.census.gov/programs-surveys/metro-micro/about.html. Cincinnati MSA includes Dearborn County, Ohio County, Union County.