Income needed to buy a home
Hamilton County, OH
$96,708
a year in household income to buy the typical Hamilton County home with 10% down.
The monthly math
Typical home value$269,765
Down payment (10%)$26,977
Loan$242,789
Principal and interest (7.40%)$1,681/mo
Property tax (1.51% a year)$339/mo
Homeowners insurance (estimate)$135/mo
Mortgage insurance$101/mo
Total monthly cost$2,257/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
A stretch
The typical household here earns $72,470 a year, 75% of what it takes.
In Ohio
Hamilton County ranks #71 of 88 for the income a home takes, from least to most.
Easiest to afford in Ohio
| County | Typical home | Income needed |
|---|---|---|
| Meigs County | $115,811 | $38,833 |
| Jefferson County | $127,407 | $43,049 |
| Belmont County | $133,163 | $45,355 |
| Harrison County | $145,138 | $48,946 |
| Jackson County | $147,176 | $49,570 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.