All Reports Housing Affordability Cincinnati MSA • May 2026 • All

Housing Affordability

Home price and typical payment compared to income

 Quick Summary

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Housing AffordabilityCincinnati MSAMay 2026

Affordability

Payment as a Percent of Income

Based on 3-mo. median sale price
May 2026
33.8%
Year-over-year change
-0%
Compared to 33.9% last year
Difference from state
-6%
Compared to 35.8% in Indiana
View source and notes...

Last update: June 7, 2026, 4:13 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
May 2026
30.3%
Year-over-year change
+0%
Compared to 30.2% last year
Difference from state
-18%
Compared to 36.9% in Indiana
View source and notes...

Last update: June 7, 2026, 4:03 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: June 7, 2026, 4:13 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
May 2026
$2,218
Year-over-year change
-0%
Compared to $2,224 last year
Difference from state
+6%
Compared to $2,085 in Indiana
View source and notes...

Last update: June 7, 2026, 4:03 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
May 2026
$292,500
Year-over-year change
+3%
Compared to $285,000 last year
Difference from state
+6%
Compared to $275,000 in Indiana
View source and notes...

Last update: June 7, 2026, 4:03 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, May 2026
510
+5%
Under $250K
174
-5%
At Least $250K
336
+12%
View source and notes...

Last update: June 7, 2026, 4:55 a.m. 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, May 2026
632
+7%
Under $250K
168
-14%
At Least $250K
464
+17%
View source and notes...

Last update: June 7, 2026, 4:55 a.m. 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, May 2026
79
+12%
Under $250K
23
+2%
At Least $250K
55
+17%
View source and notes...

Last update: June 7, 2026, 4:55 a.m. 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.