Cincinnati, Clermont County, Ohio Property Taxes
Property Taxes in Cincinnati, Ohio
Median Cincinnati, Ohio effective property tax rate: 1.77%, significantly higher than the national median of 1.02%, and higher than the Ohio state median of 1.60%.
Median Cincinnati, Ohio home value: $200,200
Median annual Cincinnati, Ohio tax bill: $3,648, $1,248 higher than the national median property tax bill of $2,400.
How are property taxes in Clermont calculated?
Property taxes in Cincinnati, Ohio are calculated based on the tax assessed value, which is often lower than the actual market value due to property tax exemptions such as the homestead or senior exemption.
Understanding Cincinnati's property tax system, exemptions, and reduction opportunities can lead to significant savings. Regardless of where you live in Cincinnati, knowing local tax details benefits homeowners and investors.
Last Updated April 13, 2026
Cincinnati, Clermont County, Ohio Property Tax Bill Calculator
$100,000
$1,500,000
$3,000,000
Median Effective Tax Rate
1.77%
Estimate Property Tax Bill
$3,544
$3,288
How Does the Cincinnati Property Tax Calculator Work?
Use this Cincinnati property tax calculator to estimate your annual property tax bill. Enter your property's assessed value and our calculator applies Cincinnati's median effective tax rate of 1.77% — based on actual property records in Clermont County — to generate your estimate.
Enter your property's estimated assessed value — the figure the local appraisal district uses to calculate your bill, which reflects any exemptions you hold and is typically lower than your home's market value. Our calculator applies Cincinnati's median effective rate across all local levies, providing a more accurate estimate than applying a single county millage rate.
Your bill may vary by ZIP code within Cincinnati: rates range from $3,279.00 in 45255 to $3,742.00 in 45245, primarily due to differences in school district levies and local assessment districts.
For a more precise estimate, scroll down to explore ZIP code-level tax rate trends across Cincinnati.
About Cincinnati Property Taxes
About Property Taxes in Cincinnati, Clermont, Ohio
Cincinnati’s median effective property tax rate of 1.77% is higher than the Ohio state median of 1.60% and higher than the national median of 1.02%. This rate reflects the Clermont County base levy combined with local school district levies and special assessment districts that vary by subdivision throughout the city.
Property tax rates are not uniform across Cincinnati. Homeowners in the 45245 ZIP code carry a median effective rate of 1.77%, while those in 45244 pay 1.77%. This spread — 0.00 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Clermont County. Understanding which part of Cincinnati you live in can make a meaningful difference to your annual tax bill.
Cincinnati homeowners who believe their assessed value is too high can file a formal appeal with the Tax Assessor before the March 31, 2026 deadline each year.
If your estimated bill above seems higher than expected, Ownwell can review your assessment and protest on your behalf. You only pay if we save you money.
Property Tax Rates Across Cincinnati, Clermont County, Ohio
As noted earlier, local government entities set tax rates, which can vary widely within a state.
Why? Because annually, each county estimates its required budget to provide services and divides that by the total value of all taxable property within its jurisdiction. This calculation results in the property tax rate.
While there are votes and laws involved in setting tax rates and budgets, in a nutshell, this is the annual process.
Below, you can compare Cincinnati's effective property tax rate to other cities in Ohio and the median property tax rates in Ohio and the U.S.
Our median effective property tax rate (tax bill Ă· assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Cincinnati Tax Rate
1.77%
Our median effective property tax rate (tax bill Ă· assessor's market value) accounts for exemptions and deductions, making it more accurate than the general median tax rate, which is the midpoint of statutory rates before adjustments.
Median Effective Clermont County Tax Rate
1.60%
Median Effective Ohio Tax Rate
1.60%
Median Effective United States Tax Rate
1.02%
Property Tax Rates Across Cincinnati, Clermont County, Ohio
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 45244 | 1.52% | 1.60% | 1.77% | 1.77% | 1.81% |
| 45245 | 1.46% | 1.72% | 1.77% | 1.81% | 4.36% |
| 45255 | 1.47% | 1.76% | 1.77% | 1.79% | 1.81% |
| 45204 | N/A | N/A | N/A | N/A | N/A |
| 45215 | N/A | N/A | N/A | N/A | N/A |
| 45241 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Cincinnati, Clermont County, Ohio
When examining property taxes in Cincinnati, understanding the distinction between market value and assessed value is crucial.
The market value is what a willing buyer would pay to a willing seller in an open and competitive market, often influenced by location, property condition, and economic market trends. Clermont County estimates the market value for tax purposes.
The assessed value is the market value minus any applicable exemptions or limits determined by local laws and offerings. The tax assessed value is the figure used to calculate your property taxes or the amount multiplied by your tax rate to get your tax bill.
Assessment notices:
In Clermont County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of the month.
Each property owner receives an assessment notice that contains both the market value and assessed value, along with an estimate of your property tax bill. By providing insights into how assessed and market values are determined, this section helps property owners navigate their tax responsibilities and understand the valuation processes affecting their property taxes in Cincinnati.
For example, the median home price in Cincinnati is $200,200, with tax bills ranging significantly across the county. 45245 has the highest median home price at $204,000.
Property Tax Assessment Values Across Cincinnati, Clermont County, Ohio
Source: Ownwell
$58,400
$180,600
$302,800
Median Cincinnati Market Value
$200,200
Median Clermont County Market Value
$198,700
Median Ohio Market Value
$168,370
Median United States Market Value
$235,294
Property Tax Assessment Values Across Cincinnati, Clermont County, Ohio
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 45244 | $112,900 | $153,100 | $198,850 | $301,550 | $436,250 |
| 45245 | $10,700 | $145,350 | $204,000 | $296,450 | $417,360 |
| 45255 | $95,600 | $148,600 | $191,900 | $290,050 | $388,580 |
| 45204 | N/A | N/A | N/A | N/A | N/A |
| 45215 | N/A | N/A | N/A | N/A | N/A |
| 45241 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Cincinnati, Clermont County, Ohio
Property tax bills in Cincinnati are calculated by applying the local tax rate to a home’s assessed value, which is based on the market value of the property. For a typical home priced around $200,200, the final bill can vary depending on location, exemptions, and how the property is assessed within Clermont County.
Homeowners in Cincinnati often see bills that differ from one neighborhood to another because local taxing authorities and school districts can affect the total amount due. The median property tax bill is $3,742 in ZIP code 45245, while the lowest median tax bill is $3,279 in ZIP code 45255. Across the area, tax bills range from $2,714 at the 25th percentile to $6,979 at the 90th percentile.
Because property taxes are tied to assessed value, changes in the housing market can increase a homeowner’s bill even if the home itself has not changed.
Median Cincinnati Tax Bill
$3,648
Median Clermont County Tax Bill
$3,380
Median Ohio Tax Bill
$2,789
Median United States Tax Bill
$2,400
Property Tax Bills Across Cincinnati, Clermont County, Ohio
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 45244 | $2,238 | $2,805 | $3,660 | $5,226 | $7,081 |
| 45245 | $2,058 | $2,778 | $3,742 | $5,228 | $6,946 |
| 45255 | $1,709 | $2,491 | $3,279 | $5,020 | $6,792 |
| 45204 | N/A | N/A | N/A | N/A | N/A |
| 45215 | N/A | N/A | N/A | N/A | N/A |
| 45241 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Don't miss the deadline to appeal!
Dates | |
|---|---|
| Appeal Deadline | March 31 |
Links | |
|---|---|
| Clermont Tax Assessor | |
| Website | www.clermontauditorrealestate.org |