Median home value in zip code 45044 (Middletown, OH) is $254,528, up 2.3% year over year. Part of the Cincinnati, OH-KY-IN metropolitan area.

Home Value$254,528

YoY Change

+2.3%

Prices rising — worse for buyers.

Affordability

Enter your income for 45044 (Middletown).

Income (annual)

Down Payment

$50,906 on $254,528

Example: $75,000 household income. Change it above to see your own.

Affordable27.7% of income

Under the 28% guideline.

PITI$1,731

P/I27.7%

Afford$257K

Room+$3K

P&I $1,287Tax $344Ins $100

6.50% 30yr, 20% down, county tax + OH ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

45044 is part of the Cincinnati, OH-KY-IN metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Cincinnati, OH-KY-IN analysis

Want deeper metro-level analysis?Stress scores, crash risk, 12-month forecasts, and early warning signals for 195 US metros.

Try Free

Weekly briefing

Every Monday — score changes, top movers, and what shifted. Free.