Property Taxes in Cincinnati, Ohio
Median Cincinnati, Ohio effective property tax rate: 2.03%, significantly higher than the national median of 1.02%, and higher than the Ohio state median of 1.60%.
Median Cincinnati, Ohio home value: $188,710
Median annual Cincinnati, Ohio tax bill: $3,635, $1,235 higher than the national median property tax bill of $2,400.
How are property taxes in Hamilton 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
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 2.03% — based on actual property records in Hamilton 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 $1,020.00 in 45225 to $9,224.00 in 45243, primarily due to differences in school district levies and local assessment districts. Cincinnati's median tax bill of $3,635 is higher than the Ohio median tax bill by $1,235 and above the national median property tax rate of 1.02% and national median property tax bill of $2,400.
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, Hamilton, Ohio
Cincinnati's median effective property tax rate of 2.03% is higher than the Ohio state median of 1.60% and higher than the national median of 1.02%. This rate reflects the Hamilton 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 45218 ZIP code carry a median effective rate of 2.34%, while those in 45241 pay 1.42%. This spread — 0.92 percentage points across the same city — reflects how school district boundaries and local assessment districts are drawn across Hamilton County.
Cincinnati homeowners who believe their assessed value is too high can file a formal appeal with the local 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, Hamilton 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 ÷ 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
2.03%
Our median effective property tax rate (tax bill ÷ 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 Hamilton County Tax Rate
1.98%
Median Effective Ohio Tax Rate
1.60%
Median Effective United States Tax Rate
1.27%
Property Tax Rates Across Cincinnati, Hamilton County, Ohio
| Zip | 10th Percentile | 25th Percentile | Median Tax Rate | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 45202 | 0.56% | 1.88% | 2.09% | 2.19% | 2.23% |
| 45203 | 2.09% | 2.09% | 2.09% | 2.10% | 2.21% |
| 45204 | 1.73% | 2.10% | 2.21% | 2.23% | 2.27% |
| 45205 | 1.65% | 2.10% | 2.13% | 2.23% | 2.24% |
| 45206 | 1.54% | 2.09% | 2.09% | 2.21% | 2.22% |
| 45207 | 0.75% | 2.05% | 2.10% | 2.22% | 2.23% |
| 45208 | 1.73% | 2.09% | 2.09% | 2.09% | 2.21% |
| 45209 | 1.72% | 2.09% | 2.09% | 2.10% | 2.22% |
| 45211 | 1.73% | 1.88% | 2.10% | 2.15% | 2.24% |
| 45212 | 1.48% | 1.76% | 1.76% | 1.87% | 2.09% |
| 45213 | 1.78% | 2.09% | 2.10% | 2.13% | 2.24% |
| 45214 | 2.09% | 2.10% | 2.22% | 2.25% | 2.30% |
| 45215 | 1.60% | 1.81% | 1.91% | 2.08% | 2.19% |
| 45216 | 1.79% | 2.10% | 2.23% | 2.34% | 2.47% |
| 45217 | 1.67% | 2.06% | 2.07% | 2.19% | 2.19% |
| 45218 | 1.98% | 2.32% | 2.34% | 2.36% | 2.47% |
| 45219 | 1.73% | 2.09% | 2.22% | 2.22% | 2.23% |
| 45220 | 1.93% | 2.09% | 2.10% | 2.21% | 2.22% |
| 45223 | 0.94% | 2.09% | 2.10% | 2.22% | 2.24% |
| 45224 | 1.75% | 2.09% | 2.10% | 2.23% | 2.39% |
| 45225 | 2.09% | 2.11% | 2.22% | 2.25% | 2.31% |
| 45226 | 1.06% | 2.09% | 2.09% | 2.10% | 2.22% |
| 45227 | 1.74% | 2.10% | 2.22% | 2.41% | 2.57% |
| 45229 | 1.71% | 2.09% | 2.10% | 2.21% | 2.23% |
| 45230 | 1.90% | 2.09% | 2.13% | 2.13% | 2.22% |
| 45231 | 1.76% | 1.82% | 2.00% | 2.29% | 2.39% |
| 45232 | 1.73% | 2.10% | 2.11% | 2.22% | 2.23% |
| 45233 | 1.63% | 1.78% | 2.03% | 2.06% | 2.14% |
| 45236 | 1.37% | 1.81% | 1.94% | 2.12% | 2.14% |
| 45237 | 1.70% | 2.05% | 2.11% | 2.26% | 2.44% |
| 45238 | 1.75% | 2.03% | 2.04% | 2.10% | 2.18% |
| 45239 | 1.62% | 1.86% | 1.87% | 1.95% | 2.09% |
| 45240 | 1.62% | 2.00% | 2.01% | 2.12% | 2.13% |
| 45241 | 1.25% | 1.42% | 1.42% | 1.43% | 1.51% |
| 45242 | 1.27% | 1.37% | 1.54% | 1.72% | 1.76% |
| 45243 | 1.24% | 1.26% | 1.88% | 2.00% | 2.01% |
| 45244 | 1.95% | 2.03% | 2.13% | 2.13% | 2.16% |
| 45246 | 1.33% | 1.51% | 1.51% | 1.75% | 2.00% |
| 45247 | 1.63% | 1.78% | 1.87% | 1.88% | 1.95% |
| 45248 | 1.53% | 1.78% | 1.78% | 1.79% | 1.88% |
| 45249 | 1.54% | 1.57% | 1.70% | 1.71% | 1.76% |
| 45251 | 1.58% | 1.87% | 1.87% | 1.90% | 1.97% |
| 45252 | 1.69% | 1.87% | 1.87% | 1.89% | 1.97% |
| 45255 | 1.95% | 2.13% | 2.13% | 2.13% | 2.22% |
| 45263 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Assessment Values Across Cincinnati, Hamilton County, Ohio
When examining property taxes in Cincinnati, Ohio, 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. The Hamilton County appraisal district 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 Hamilton County, assessment notices are sent in the spring each year. They'll typically reach your mailbox by the middle of May.
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 $188,710, with tax bills ranging significantly across the county. 45243 has the highest median home price at $543,650.
Property Tax Assessment Values Across Cincinnati, Hamilton County, Ohio
Source: Ownwell
$48,340
$360,900
$673,460
Median Cincinnati Market Value
$188,710
Median Hamilton County Market Value
$196,620
Median Ohio Market Value
$168,370
Median United States Market Value
$274,101
Property Tax Assessment Values Across Cincinnati, Hamilton County, Ohio
| Zip | 10th Percentile | 25th Percentile | Median Home Price | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 45202 | $150,400 | $228,580 | $332,140 | $515,420 | $765,626 |
| 45203 | $227,314 | $274,490 | $299,900 | $333,345 | $354,094 |
| 45204 | $33,280 | $49,068 | $74,330 | $114,132 | $166,185 |
| 45205 | $61,522 | $75,000 | $92,940 | $117,280 | $153,000 |
| 45206 | $99,530 | $139,750 | $210,650 | $355,400 | $689,498 |
| 45207 | $82,574 | $98,035 | $122,120 | $183,655 | $293,992 |
| 45208 | $210,600 | $301,800 | $454,080 | $696,360 | $1,092,744 |
| 45209 | $204,910 | $237,942 | $285,230 | $358,360 | $482,722 |
| 45211 | $76,630 | $110,000 | $139,220 | $179,380 | $231,208 |
| 45212 | $110,420 | $136,925 | $178,740 | $239,880 | $309,112 |
| 45213 | $122,284 | $158,930 | $204,890 | $272,650 | $360,392 |
| 45214 | $25,568 | $39,150 | $63,000 | $132,500 | $257,470 |
| 45215 | $65,050 | $101,100 | $175,100 | $310,000 | $504,116 |
| 45216 | $51,852 | $70,208 | $99,260 | $136,270 | $173,865 |
| 45217 | $55,910 | $108,470 | $143,420 | $180,670 | $228,098 |
| 45218 | $103,000 | $135,840 | $167,350 | $200,000 | $228,320 |
| 45219 | $92,968 | $130,175 | $167,355 | $215,000 | $287,908 |
| 45220 | $66,018 | $125,210 | $258,490 | $430,560 | $576,458 |
| 45223 | $46,572 | $102,525 | $164,790 | $250,838 | $335,000 |
| 45224 | $92,540 | $125,390 | $156,230 | $204,390 | $262,922 |
| 45225 | $21,916 | $31,710 | $48,340 | $76,790 | $126,206 |
| 45226 | $114,024 | $229,000 | $366,460 | $621,280 | $909,860 |
| 45227 | $114,834 | $140,000 | $183,780 | $302,570 | $525,000 |
| 45229 | $66,430 | $108,410 | $189,910 | $322,635 | $525,360 |
| 45230 | $142,000 | $178,195 | $234,375 | $309,818 | $450,544 |
| 45231 | $94,045 | $123,100 | $156,025 | $199,470 | $249,900 |
| 45232 | $71,826 | $84,930 | $105,820 | $135,430 | $185,628 |
| 45233 | $111,630 | $168,468 | $266,685 | $361,180 | $480,150 |
| 45236 | $137,700 | $162,990 | $199,500 | $265,960 | $418,480 |
| 45237 | $88,281 | $106,725 | $133,965 | $173,520 | $335,579 |
| 45238 | $105,568 | $129,070 | $166,270 | $215,760 | $265,944 |
| 45239 | $89,250 | $118,090 | $154,020 | $196,530 | $239,116 |
| 45240 | $119,180 | $143,750 | $175,000 | $215,415 | $251,652 |
| 45241 | $156,660 | $190,120 | $235,970 | $327,280 | $463,250 |
| 45242 | $175,530 | $239,770 | $468,470 | $684,150 | $1,490,264 |
| 45243 | $280,785 | $345,625 | $543,650 | $1,044,402 | $1,720,440 |
| 45244 | $152,744 | $259,880 | $388,730 | $514,850 | $687,180 |
| 45246 | $133,486 | $152,500 | $183,910 | $247,430 | $404,894 |
| 45247 | $121,990 | $168,620 | $250,350 | $329,405 | $429,688 |
| 45248 | $118,000 | $151,930 | $186,095 | $273,112 | $375,387 |
| 45249 | $122,470 | $244,952 | $434,630 | $560,000 | $728,550 |
| 45251 | $101,174 | $121,950 | $160,000 | $214,310 | $279,590 |
| 45252 | $115,063 | $145,235 | $246,335 | $356,282 | $452,479 |
| 45255 | $201,004 | $238,470 | $293,800 | $394,630 | $592,722 |
| 45263 | N/A | N/A | N/A | N/A | N/A |
Source: Ownwell
Property Tax Bills Across Cincinnati, Hamilton County, Ohio
Property tax bills in Cincinnati are based on the assessed value of a home and the local tax rate set for Hamilton County. When a property’s market value rises, the assessed value can increase as well, which may lead to a higher tax bill. The bill is determined by multiplying the assessed value by the applicable tax rate, so two homes with similar market values can still have different bills if they are assessed differently.
For homeowners, this means property taxes can change even if nothing about the home itself has changed. In Cincinnati, the median home price is $188,710, and the tax burden varies widely across neighborhoods. The 25th percentile tax bill is $2,555, while the 75th percentile reaches $5,601. At the high end, the 90th percentile tax bill is $8,817, compared with a low median tax bill of $1,020 in ZIP code 45225 and a high median tax bill of $9,224 in ZIP code 45243.
Median Cincinnati Tax Bill
$3,635
Median Hamilton County Tax Bill
$3,721
Median Ohio Tax Bill
$2,789
Median United States Tax Bill
$3,209
Property Tax Bills Across Cincinnati, Hamilton County, Ohio
| Zip | 10th Percentile | 25th Percentile | Median Tax Bill | 75th Percentile | 90th Percentile |
|---|---|---|---|---|---|
| 45202 | $1,664 | $3,685 | $5,896 | $9,240 | $13,282 |
| 45203 | $4,312 | $5,685 | $6,258 | $6,992 | $7,429 |
| 45204 | $650 | $1,025 | $1,573 | $2,370 | $3,513 |
| 45205 | $1,191 | $1,549 | $1,950 | $2,449 | $3,145 |
| 45206 | $1,660 | $2,586 | $4,070 | $6,788 | $13,846 |
| 45207 | $1,387 | $1,857 | $2,377 | $3,108 | $4,483 |
| 45208 | $4,186 | $6,116 | $8,881 | $13,194 | $20,304 |
| 45209 | $3,935 | $4,757 | $5,746 | $6,984 | $8,442 |
| 45211 | $1,507 | $2,214 | $2,843 | $3,633 | $4,610 |
| 45212 | $1,893 | $2,372 | $3,145 | $4,205 | $5,448 |
| 45213 | $2,434 | $3,193 | $4,160 | $5,595 | $7,345 |
| 45214 | $531 | $848 | $1,381 | $2,814 | $5,143 |
| 45215 | $1,244 | $1,855 | $3,206 | $6,111 | $10,413 |
| 45216 | $1,101 | $1,486 | $2,124 | $3,027 | $3,776 |
| 45217 | $1,185 | $2,133 | $2,932 | $3,613 | $4,598 |
| 45218 | $2,343 | $3,099 | $3,834 | $4,557 | $5,224 |
| 45219 | $1,769 | $2,685 | $3,547 | $4,505 | $5,855 |
| 45220 | $1,328 | $2,581 | $5,239 | $8,772 | $11,837 |
| 45223 | $919 | $1,797 | $3,005 | $4,519 | $6,186 |
| 45224 | $1,779 | $2,545 | $3,274 | $4,297 | $5,800 |
| 45225 | $396 | $670 | $1,020 | $1,663 | $2,728 |
| 45226 | $2,105 | $4,207 | $6,791 | $10,742 | $16,441 |
| 45227 | $2,325 | $2,924 | $3,976 | $6,395 | $11,697 |
| 45229 | $1,282 | $2,091 | $3,693 | $6,448 | $10,908 |
| 45230 | $2,922 | $3,694 | $4,897 | $6,489 | $9,543 |
| 45231 | $1,736 | $2,281 | $3,038 | $4,213 | $5,453 |
| 45232 | $1,430 | $1,773 | $2,175 | $2,824 | $3,772 |
| 45233 | $2,156 | $3,307 | $4,982 | $6,752 | $8,975 |
| 45236 | $2,620 | $3,176 | $3,825 | $4,935 | $6,928 |
| 45237 | $1,754 | $2,227 | $2,851 | $3,734 | $6,626 |
| 45238 | $2,125 | $2,635 | $3,351 | $4,334 | $5,369 |
| 45239 | $1,574 | $2,157 | $2,891 | $3,705 | $4,509 |
| 45240 | $2,326 | $2,808 | $3,422 | $4,227 | $5,020 |
| 45241 | $2,174 | $2,652 | $3,305 | $4,631 | $6,619 |
| 45242 | $2,728 | $3,824 | $7,046 | $10,963 | $20,594 |
| 45243 | $5,188 | $6,528 | $9,224 | $15,530 | $22,247 |
| 45244 | $3,014 | $5,319 | $8,188 | $10,839 | $14,426 |
| 45246 | $1,996 | $2,304 | $2,843 | $4,008 | $7,376 |
| 45247 | $2,126 | $3,043 | $4,535 | $6,091 | $7,961 |
| 45248 | $2,000 | $2,612 | $3,282 | $4,827 | $6,599 |
| 45249 | $1,942 | $4,010 | $7,270 | $9,389 | $12,399 |
| 45251 | $1,809 | $2,241 | $2,951 | $3,991 | $5,297 |
| 45252 | $1,969 | $2,692 | $4,506 | $6,629 | $8,487 |
| 45255 | $4,103 | $5,006 | $6,191 | $8,364 | $12,724 |
| 45263 | 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 | |
|---|---|
| Hamilton Tax Assessor | |
| Website | wedge1.hcauditor.org |