Real Estate Investing in Hamilton, Ohio (45011)

Butler County • Population: 74,636 • Data updated: June 2026

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Should you buy in 45011 (Hamilton, OH)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (80/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Hamilton, OH (45011)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $374,516
Avg Monthly Rent $1,918
1% Rule ✗ Does Not Meet
Median Income $84,785
% Renters 25.7%

Market Analysis: 45011 Hamilton

Investors eyeing 45011 need to respect the fundamentals at play. Home values of $375K come alongside slower price movement and elevated management overhead.

The 45011 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

In the broader OH picture, 45011 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

Employment concentration in 45011 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

The 45011 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.49% as of Jun 25 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Hamilton:

B Good
Buy Confidence Score: 77/100
Affordability
15/25
Appreciation
25/25
Stability
14/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.4× the median income
Value Trend
Rising (+5.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,918/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Cincinnati, OH-KY-IN Metro Area
Even conditions for buyers and sellers
25 days
Average time to sell
Fast
11.9%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of June 20, 2026 — updated weekly from Cincinnati, OH-KY-IN metro data
🏠

Property Strategy for 45011

Which property type performs best in this market?

Best for Cash Flow
1BR
7.5% cap rate
Best for Appreciation
1BR
+9.9% 5yr CAGR
Best Overall Value
2BR
$73,872/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $95,377 $1,000 7.5% +9.9% $95,377
2BR $147,744 $1,290 6.3% +8.9% $73,872
3BR $320,983 $1,700 3.8% +8.2% $106,994
4BR $451,285 $1,880 3.0% +8.3% $112,821
5BR $610,212 +8.3% $122,042

Market Trends

Home Value History (with trend line)

$393K$340K$288K$235K$182K$130KMay 2006May 2016May 2026

Rent History (with trend line)

$1,975$1,808$1,642$1,475$1,309$1,142Jul 2022Jun 2024May 2026

📊 How Does 45011 Compare?

Metric 45011 Hamilton Cincinnati, OH-KY-IN Ohio
Home Value $374,516 $276,325 N/A $237,530
5-Year CAGR 7.2% 6.9% N/A 7.4%
Avg Rent $1,918 $1,574 N/A -
Cap Rate 4.0% 4.7% - -
💡 Why Invest in 45011? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 45011 (Hamilton, OH). Anonymous, moderated, never written by AI.

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Property managers serving Butler County

Manage rentals here? List your business →

Professional Rental Management has been doing business in Hays for over 30 years, managing 1, 2, and 3 bedroom apartments with full-time maintenance staff. summary from their website

Small multifamily
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Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
4.0%
Low
5yr Growth
+7.2%
Strong

📊 Market Snapshot

Home Value $374,516
Monthly Rent $1,918
Price-to-Rent 16.3:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.1%
Cap Rate 4.0%
5-Year IRR 11.2%

📈 Home Appreciation

1-Year +5.9% ▲
3-Year CAGR +5.5% ▲
5-Year CAGR +7.2% ▲
10-Year CAGR +7.5% ▲

🏠 Rent Trends

1-Year +29.3% ▲
3-Year CAGR +13.3% ▲
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.0%  |  30yr Rate: 6.5%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.5%) exceeds the estimated cap rate (4.0%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
6.3%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+7.2%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 45011

Population: 74,636

💰 Median Household Income
$84,785
This area
$84,785
State
$68,496
USA
$74,580
🏠 Renter Occupied
25.7%
This area
25.7%
State
25.8%
USA
34.0%
💼 Unemployment Rate
3.6%
This area
3.6%
State
-9.1%
USA
3.7%
🎓 College Educated
28.5%
This area
28.5%
State
8.4%
USA
33.7%
👤 Median Age
39.1 years
This area
39.1 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
6.3%
This area
6.3%
State
11.1%
USA
10.5%
👥 Population by Ethnicity
White 74.4%
Black/African American 11.9%
Other/Mixed 9.4%
Hispanic/Latino 5.1%
Asian 4.3%
👶 Under 18
23.3%
This area
23.3%
USA
22.0%
👴 65 and Over
13.0%
This area
13.0%
USA
17.3%
📊 Poverty Rate
9.2%
This area
9.2%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 45011

B Avg School Grade
19 Schools
17.5:1 Avg Class Size
$16,876 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

D Russel Lee Career-Technology Center

📚 06 – 12 High School
👥
921 Students
👨‍🏫
4.3:1 Class Size
💰
$37,629 Per Student
A+ Excellent

New Miami Elementary School

📚 Pre-K – 05 Elementary
👥
323 Students
👨‍🏫
13.5:1 Class Size
💰
$18,979 Per Student
A Very Good

New Miami High School

📚 09 – 12 High School
👥
154 Students
👨‍🏫
10.3:1 Class Size
💰
$18,979 Per Student
A Very Good

New Miami Middle School

📚 06 – 08 Middle
👥
119 Students
👨‍🏫
11.9:1 Class Size
💰
$18,979 Per Student
B+ Above Average

Richard Allen Academy

📚 K – 06 School Charter
👥
111 Students
👨‍🏫
13.1:1 Class Size
💰
$15,729 Per Student
B Good

Butler Tech School of the Arts

📚 11 – 12 High School Limited Data
👥
143 Students
💰
$37,629 Per Student
B Good

Fairfield East Elementary School

📚 Pre-K – 05 Elementary
👥
640 Students
👨‍🏫
17.3:1 Class Size
💰
$12,086 Per Student
B Good

Garfield Middle School

📚 07 – 08 Middle
👥
785 Students
👨‍🏫
15.4:1 Class Size
💰
$13,788 Per Student
B Good

Riverview Elementary School

📚 Pre-K – 06 School
👥
648 Students
👨‍🏫
17.1:1 Class Size
💰
$13,788 Per Student
B Good

Fairfield Preparatory Academy

📚 K – 05 Elementary Charter
👥
118 Students
👨‍🏫
11.8:1 Class Size
B Good

Crawford Woods Elementary School

📚 K – 06 School
👥
572 Students
👨‍🏫
18.8:1 Class Size
💰
$13,788 Per Student
B Good

Fairfield North Elementary School

📚 K – 05 Elementary
👥
623 Students
👨‍🏫
20.1:1 Class Size
💰
$12,086 Per Student
B Good

Fairwood Elementary School

📚 Pre-K – 06 School
👥
618 Students
👨‍🏫
18.2:1 Class Size
💰
$13,788 Per Student
C+ Average

Lakota Plains Junior School

📚 07 – 08 Middle
👥
735 Students
👨‍🏫
25.1:1 Class Size
💰
$12,754 Per Student
C+ Average

Liberty Early Childhood School

📚 Pre-K – 02 Elementary
👥
446 Students
👨‍🏫
24.1:1 Class Size
💰
$12,754 Per Student
C+ Average

VanGorden Elementary School

📚 03 – 06 School
👥
654 Students
👨‍🏫
23.8:1 Class Size
💰
$12,754 Per Student
C+ Average

VanGorden Preschool

📚 Grade PK Elementary Limited Data
👥
209 Students
💰
$12,754 Per Student
C+ Average

Cherokee Elementary School

📚 03 – 06 School
👥
803 Students
👨‍🏫
25.9:1 Class Size
💰
$12,754 Per Student
C Below Average

Heritage Early Childhood School

📚 K – 02 Elementary
👥
631 Students
👨‍🏫
27.4:1 Class Size
💰
$12,754 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

8 Nearby 1,045 Off-Campus Students
C+
Butler Technology and Career Development Schools
483 students · 3.8 mi
C
Miami University-Hamilton
2,374 students · 4.8 mi
C+
Moler-Pickens Beauty Academy
89 students · 7.7 mi
D
Elite Welding Academy LLC
65 students · 8.2 mi
D
Aveda Fredric's Institute-Cincinnati
482 students · 9.1 mi
C
ATA College-Cincinnati
264 students · 9.2 mi
C
Miami University-Middletown
1,213 students · 10.1 mi
D
Ross Medical Education Center-Cincinnati
91 students · 10.2 mi

Investor Insight: With 1,045 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

How does Hamilton, OH rate as a rental market?

Hamilton, OH reports an investability rating of 3.0/5, with median home values near $375K and average rents around $1,918/mo. That combination puts it in the notable tier for investor interest.

How strong is tenant demand in Hamilton, OH?

Tenant demand in Hamilton, OH is solid. The local workforce $1,918/mo rents across most rental classes.

What do landlords charge for rent in Hamilton, OH?

Rental rates in Hamilton, OH average $1,918/mo. Tenant demand and $375K home values make the yield look reasonable by investor standards.

Which real estate strategy fits Hamilton, OH?

In Hamilton, OH the significant play is typically careful cash-flow rentals with hands-on management. The combination of $375K prices and $1,918/mo rents suits that approach.

How do landlord-tenant laws work in Hamilton, OH?

Rental owners in Hamilton, OH deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.

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