Oakley, Cincinnati, OH—45209
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Oakley, Cincinnati, OH
As of Oct '25, the median home price in Oakley, Cincinnati, OH is $392,000, with a year-over-year change of 2.9%. This indicates that home prices in Oakley, Cincinnati, OH are increasing. According to Zillow, the 1-year price projection is 1.4%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $392,000 | 2.9% |
| Single Family | $387,000 | 2.4% |
| Condos | $492,000 | 5.1% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $331,000 | 2.5% |
3 Bed | $428,000 | 2.9% |
4 Bed | $513,000 | 2.6% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Oakley, Cincinnati, OH
As of July '25, Rentcast reports the average rent in Oakley, Cincinnati, OH is $1,480, with a year-over-year rent change of -6.9%. Per bedroom, the median rent as of July '25 in Oakley, Cincinnati, OH is studios: $1,050, 1-bedrooms: $1,140, 2-bedrooms: $1,880, 3-bedrooms: $2,670, 4-bedrooms: $2,400. The most common rental property sizes in Oakley, Cincinnati, OH are 1-bedroom and 2-bedroom, accounting for 55.0% and 30.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,300 | $1,480 |
| Studio Rent | $700 | $1,050 |
| 1 Bed Rent | $1,050 | $1,140 |
| 2 Bed Rent | $1,850 | $1,880 |
| 3 Bed Rent | $2,700 | $2,670 |
| 4 Bed Rent | $2,400 | $2,400 |
% of Rental Stock
Property Listings — Oakley, Cincinnati, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Oakley, Cincinnati, OH is 53. This is a increase of 21.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 16.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $765,000 | 8.0% |
Listing Count | 73 | 2.0% |
| Listings as % of Homes | 0.7% | 2.0% |
Days on Market | 53 | 21.0% |
Demographics — Oakley, Cincinnati, OH
As of the latest ACS Survey released in 2023, Oakley, Cincinnati, OH has a population of 10,800, which has decreased by -2.8% over the past 5 years. Oakley, Cincinnati, OH is a less popular place for families, as children make up 11.0% of the population. The area has a highly educated workforce, with 75.2% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 19.1% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 10,800 | -2.8% |
% Under 18 | 11.0% | 3.8% |
% Seniors | 9.1% | -21.6% |
% WFH | 19.1% | 516.1% |
% w/ College Degree | 75.2% | 17.7% |
As of the latest ACS Survey released in 2023, Oakley, Cincinnati, OH is a predominantly white area, with 77.4% of the population identifying as white. The white population has shrunk by 4.7% in the last 5 years. The second most common race or ethnicity in Oakley, Cincinnati, OH is hispanic, making up 9.4% of the population. Foreign-born residents account for 6.5% of the population in Oakley, Cincinnati, OH, and this percentage has increased by 32.7% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 77.4% | -4.7% |
% Black | 8.1% | -25.0% |
% Hispanic | 9.4% | 248.1% |
% Asian | 1.7% | -50.0% |
% Foreign Born | 6.5% | 32.7% |
Mortgage and Risk — Oakley, Cincinnati, OH
According to HUD data as of 2023, there were 231 mortgage originations in Oakley, Cincinnati, OH, of which 98.0% of loans were conventional mortgages. The average loan-to-value was 64.0%, with 18.0% above 90% LTV (elevated). This implies medium mortgage risk in Oakley, Cincinnati, OH. Investor activity is low, as 3.0% of loans were by investors. 5.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 231 |
% Conventional Loans | 98.0% |
% Government Loans | 2.0% |
% Investor Loans | 3.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 5.0% |
Loan Activity
Rentals and Section 8 — Oakley, Cincinnati, OH
As of 2024, the percent of homes in Oakley, Cincinnati, OH under the Section 8 program is 6.8%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 1-bedroom units appear to be good home sizes to consider for Section 8 housing in Oakley, Cincinnati, OH, because HUD payments exceed market rent, while 2-bedroom and 3-bedroom and 4-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 320 |
Total Units Section 8 | 262 |
% Rentals under Section 8 | 6.8% |
% Occupied Section 8 | 98.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $180 | $1,050 | $1,230 |
| 2 Bedroom | -$260 | $1,850 | $1,590 |
| 3 Bedroom | -$590 | $2,700 | $2,110 |
| 4 Bedroom | -$70 | $2,400 | $2,330 |
Affordability — Oakley, Cincinnati, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.9 |
| Median Home Price | $392,000 |
| Median Household Income | $87,800 |