Cincinnati, OH Property Tax Calculator
Estimate property tax for a home in Cincinnati, OH. Homes in Cincinnati are assessed by Hamilton County, where the effective property tax rate runs about 1.44% of market value — so a median-priced Cincinnati home of $235,000 generates roughly $3,384 in annual property tax. Enter your specific home value below for a custom estimate.
Annual Tax
$3,384
1.44% of $235,000
Monthly Tax
$282
Typically escrowed with your mortgage
State Rank
#11 of 51
Highest rate = #1
vs. National Average
Highest property tax states
- New Jersey2.49%
- Illinois2.23%
- New Hampshire2.18%
- Connecticut2.15%
- Vermont1.90%
Lowest property tax states
- Hawaii0.32%
- Alabama0.41%
- Colorado0.55%
- Louisiana0.56%
- District of Columbia0.57%
These are state-level averages. Individual counties and cities can vary significantly — a home in Austin's urban core may have a far higher effective rate than the Texas state average, for example. For the most accurate estimate, get the exact millage rate from your county assessor and override the rate field above.
How to use it
A two-minute guide.
The Home Value field is pre-filled with Cincinnati's median home value of $235,000. Override with your actual home's market value for a specific estimate — your tax bill scales linearly with home value.
The rate is pre-filled with Hamilton County's effective rate of 1.44% — the county-level average for owner-occupied homes, which is more precise than Ohio's statewide average of 1.62%. Individual school districts and special taxing zones within Cincinnati still shift the exact figure — if you know the rate from your latest tax bill, override it for the most precise estimate.
You'll see your estimated annual property tax, the monthly amount (which is typically escrowed with your mortgage payment), and a comparison to other states.
How it works
The math behind the result.
How Cincinnati's tax bill works out. Homes in Cincinnati are assessed and billed through Hamilton County. The effective rate there averages about 1.44% of market value — below Ohio's statewide average of 1.62%. On Cincinnati's median home value of $235,000, that's approximately $3,384/year, or $282/month when escrowed with your mortgage.
How assessment works in Ohio. County auditors reappraise every six years with a market update at the three-year midpoint. Taxes apply to 35% of market value, and House Bill 920 tax-reduction factors keep voted levies from growing with reappraisals.
Exemptions worth claiming. The homestead exemption shields $26,200 of market value for income-qualified seniors and disabled homeowners; the 2.5% owner-occupancy credit trims the bill on voted levies. Exemptions are the most common reason two identical Cincinnati homes pay different tax bills — make sure yours are on file with Hamilton County.
What property tax actually pays for. In Cincinnati — like the rest of Ohio — property tax funds local schools, public safety (police, fire), road maintenance, parks, libraries, and county government. Most of your bill stays in your county and school district.
Comparing to other states. Effective rates vary enormously across the US — from about 0.3% in Hawaii to nearly 2.5% in New Jersey. Cincinnati's 1.44% puts it in the upper third nationally.
Questions
Frequently asked.
Buying in Cincinnati? Estimate your full mortgage payment with our Cincinnati Mortgage Calculator. Or see how Ohio property tax rates compare across the state with our Ohio Property Tax Calculator.
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