ZIP Code · OH

ZIP 45245

Part of Cincinnati, OH

Pop. 20,045·Clermont County·81st most expensive ZIP in Ohio

Median rent (all units)

$1,520/mo

Year-over-Year

Stable

Month-over-Month

Stable

vs US Median

-$412

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 45245 · $1,520

More affordable than 72% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,010

1 BR

$1,100

2 BR

$1,420

3 BR

$1,870

4 BR+

$2,070

Research median

$1,420/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

What a typical income covers

30% of the median household income ($80,147) is $2,004 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($1,870); a 4-bedroom is $2,070.

Rank in Cincinnati

18th cheapest of 25 ZIP codes in Cincinnati.

Cheaper nearby

ZIP 45102, 5 miles away, rents for 12% less ($1,338/mo), about $2,200 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 45245. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$18,240/yr

At $1,520/mo median

Location

CityCincinnati

StateOH

CountyClermont County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (+0.0% YoY, +0.0% MoM), not inventory.

Demographics

Who lives here

ZIP 45245 (Cincinnati, OH) is majority owner-occupied, has a large retiree population, 32.3% of residents hold a bachelor's degree or higher.

Population

20,045

Median income

$80,147

Median age

41.7

Renters

37.4%

Age distribution

18.1%

20.5%

25.3%

14%

22.1%

Under 1818.1%

18–3420.5%

35–5425.3%

55–6414%

65+22.1%

Gender

47.9%

52.1%

Male47.9%

Female52.1%

Race & ethnicity

87.5%

White87.5%

Black2.3%

Hispanic4.7%

Asian1.3%

Other4.2%

Education (25+)

31.3%

30.6%

32.3%

No HS diploma5.9%

HS diploma31.3%

Some college30.6%

Bachelor's+32.3%

Housing tenure

62.6%

37.4%

Owner62.6%

Renter37.4%

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

2021 vs 2026

How ZIP 45245 in Cincinnati, OH has changed in 5 years

Income

$65,271 → $80,147

up 22.8%

Population

20,880 → 20,045

down 4.0%

Renter share

37.1% → 37.4%

+0.3 pts

Bachelor's+

31.8% → 32.3%

+0.5 pts

Median age

40 → 41.7

+1.7 yrs

Median household income grew from $65,271 to $80,147 between 2021 and 2024, a 22.8% shift. Headcount in the area went from 20,880 to 20,045 between 2021 and 2024, a 4.0% change.

Community

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Local insights

Tips for renters in ZIP 45245

About renting in ZIP 45245

Last updated: October 17, 2026

ZIP code 45245 covers Cincinnati, OH. The median rent here is $1,520/mo as of October 2026. A 1-bedroom rents for a median of $1,100/mo. A 2-bedroom rents for a median of $1,420/mo.

At 23% of local median household income ($80,147/yr), ZIP 45245 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 45245?

To keep rent at or below 30% of gross income, you would need to earn at least $61,000/year (about $29/hour full-time) to afford the median rent of $1,520/mo in ZIP 45245. The local median household income is $80,147/yr, so the typical household meets that bar.