CALCMONEY // MORTGAGE // OH // CINCINNATI // 45208
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 45208 in Cincinnati, OH.
$680,000
$544,000
$4,716
$202,119/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $680,000 | $612,000 | $4,031 | $5,164 | 6.9% |
| 20% Down | $680,000 | $544,000 | $3,583 | $4,716 | 6.9% |
| 25% Down | $680,000 | $510,000 | $3,359 | $4,492 | 6.9% |
Total monthly includes principal & interest, property tax (1.6% annual), and estimated homeowners insurance. PMI not included.
Hyde Park (ZIP 45208) sits within Cincinnati, Ohio with a median home price of $680,000 — significantly above the Cincinnati city-wide median of $240,000. At 80% LTV, the typical loan of $544,000 remains within conforming loan limits, keeping conventional financing accessible.
Property taxes in ZIP 45208 run 1.6% annually, adding $907 per month on the median home. Median household income in this neighborhood is approximately $118,000, placing the price-to-income ratio at 5.8x. Ohio levies a state income tax, which reduces take-home pay and should be factored into your maximum monthly payment calculation.