Market Report · May 2026

ZIP 45202 — Downtown

📍 Cincinnati Metro · Ohio

🟡 WARM

Balanced market · 27 avg days on market
Property tax ~1.45%/yr

$320K

Median Price

Days on Market

$2,170

Est. Monthly PITI

Mortgage Breakdown — 45202

Median Price$320,000

20% Down$64,000

Loan Amount$256,000

P&I at 6.7%$1,651/mo

Property Tax$386/mo

Total PITI$2,170/mo

Income Needed$72,333/yr

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Educational purposes only. Not financial advice. Data estimated from public sources.

The other half of the answer

Prices tell you what a house costs here. They do not tell you whether a lender will approve the loan — and that varies more than almost anyone realises.

21.2%

of FHA applications denied in Cincinnati, OH-KY-IN, 2025 · national 22.1%

CROSSCOUNTRY MORTGAGE, LLC

6.5%

UNION HOME MORTGAGE CORP.

7.2%

FREEDOM MORTGAGE CORPORATION

15.4%

United Wholesale Mortgage

20.5%

ROCKET MORTGAGE

25.8%

A 19.3-point spread between the busiest FHA lenders in this metro.

Loans under $150K denied at 36.6% versus 16.5% above $250K.

This market's lenders → Which lenders approve most → Apply to more than one? →

CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published for this market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. CC BY 4.0, not independently reproduced.

AI Accuracy Index The Door Effect The Denial Map Open Data About 184 Metro Gaps Evidence Navigator Hallucination Files Press Newsletter

FinanceRateCalc · Independent analysis of the complete federal HMDA record · Measured, not assumed. · No lender or AI vendor funds or previews this work.