ZIP Code · OH

ZIP 45140

Part of Loveland, OH

Pop. 57,211·Clermont County·32nd most expensive ZIP in Ohio

Median rent (all units)

$1,739/mo

Year-over-Year

+3.8%

Month-over-Month

+0.2%

vs US Median

-$193

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 45140 · $1,739

More affordable than 55% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,210

1 BR

$1,330

2 BR

$1,710

3 BR

$2,260

4 BR+

$2,500

Research median

$1,710/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Cheapest month to sign

February. Asking rents in ZIP 45140 usually run 0.7% below trend in February and 1.1% above it in September, about $31 a month apart at today's median. Based on 5 years of data.

Compared with the peak

Rent in ZIP 45140 is at its highest level since Zillow's records here began in October 2021.

Past year vs. the rest of Ohio

Rent in ZIP 45140 changed +3.8% over the year to September 2026. Across the 190 Ohio ZIP codes Zillow tracks, the typical change was +3.8%.

Recent direction

Rent has risen 8 months in a row, and rose in 10 of the last 12 months.

What a typical income covers

30% of the median household income ($114,827) is $2,871 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($2,500).

Cheaper nearby

ZIP 45150, 6 miles away, rents for 20% less ($1,386/mo), about $4,200 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 45140. The seasonal pattern compares Zillow’s seasonally adjusted and unadjusted series. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$20,868/yr

At $1,739/mo median

Location

CityLoveland

StateOH

CountyClermont County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (3.8% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+3.8% YoY, +0.2% MoM), not inventory.

Demographics

Who lives here

ZIP 45140 (Loveland, OH) is majority owner-occupied, has a median income above the national average, 52.5% of residents hold a bachelor's degree or higher.

Population

57,211

Median income

$114,827

Median age

41.6

Renters

19.6%

Age distribution

24.7%

17.1%

26.9%

14.1%

17.1%

Under 1824.7%

18–3417.1%

35–5426.9%

55–6414.1%

65+17.1%

Gender

49.6%

50.4%

Male49.6%

Female50.4%

Race & ethnicity

86.9%

White86.9%

Black1.8%

Hispanic4.3%

Asian3.8%

Other3.2%

Education (25+)

19.2%

25.2%

52.5%

No HS diploma3%

HS diploma19.2%

Some college25.2%

Bachelor's+52.5%

Housing tenure

80.4%

19.6%

Owner80.4%

Renter19.6%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2022 vs 2026

How ZIP 45140 in Loveland, OH has changed in 5 years

Rent

$1,422 → $1,739

up 22.3%

Income

$97,105 → $114,827

up 18.3%

Population

54,686 → 57,211

up 4.6%

Renter share

22.2% → 19.6%

-2.6 pts

Bachelor's+

48.7% → 52.5%

+3.8 pts

Median age

40.4 → 41.6

+1.2 yrs

Five years ago, renters in ZIP 45140 in Loveland, OH paid around $1,422 a month. That figure now sits near $1,739, up 22.3% from the 2022 baseline. Local incomes tracked alongside that move, going from a median of $97,105 in 2021 to $114,827 more recently. Because rent grew faster than wages over the same span, the affordability picture has tightened relative to 2021. Census counts show ZIP 45140 in Loveland, OH adding about 2,525 residents over the five-year window, up 4.6% on net. The renter share has eased from 22.2% to 19.6%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 48.7% to 52.5% across the same window. These shifts give renters and would-be renters a longer baseline for sizing up today's listings against the ZIP 45140 in Loveland, OH market of 2022.

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About renting in ZIP 45140

Last updated: October 17, 2026

ZIP code 45140 covers Loveland, OH. The median rent here is $1,739/mo as of October 2026. A 1-bedroom rents for a median of $1,330/mo. A 2-bedroom rents for a median of $1,710/mo.

At 18% of local median household income ($114,827/yr), ZIP 45140 ranks as affordable compared to the national benchmark of 30%. Rents have increased 3.8% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 45140?

To keep rent at or below 30% of gross income, you would need to earn at least $70,000/year (about $34/hour full-time) to afford the median rent of $1,739/mo in ZIP 45140. The local median household income is $114,827/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 45140?

Rent in ZIP 45140 has risen 3.8% over the past year as of September 2026. That is the highest level since Zillow's records here began in October 2021.

When is the cheapest time to rent in ZIP 45140?

Asking rents in ZIP 45140 are usually lowest in February, about 0.7% below their yearly trend, and highest in September, about 1.1% above it. At today's median that is a gap of roughly $31 a month. This pattern comes from 5 years of Zillow rent data.

How does ZIP 45140 compare to other ZIPs in Ohio?

ZIP 45140 is one of the pricier among Ohio ZIP codes for rent, ranking #32 of 229 at $1,739/mo. Over the year to September 2026, rent in ZIP 45140 changed +3.8%, against a typical +3.8% across the 190 Ohio ZIP codes Zillow tracks.