Saint Bernard, OH—45217
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Saint Bernard, OH
As of Oct '25, the median home price in Saint Bernard, OH is $200,000, with a year-over-year change of 0.6%. This indicates that home prices in Saint Bernard, OH are flat. According to Zillow, the 1-year price projection is 1.3%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $200,000 | 0.6% |
| Single Family | $209,000 | 1.0% |
| Condos | $79,000 | 1.3% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $135,000 | -1.5% |
3 Bed | $212,000 | 1.9% |
4 Bed | $267,000 | 3.5% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Saint Bernard, OH
As of July '25, Rentcast reports the average rent in Saint Bernard, OH is $1,290, with a year-over-year rent change of 0.8%. Per bedroom, the median rent as of July '25 in Saint Bernard, OH is studios: $650, 1-bedrooms: $918, 2-bedrooms: $1,440, 3-bedrooms: $1,560, 4-bedrooms: $2,020. The most common rental property sizes in Saint Bernard, OH are 1-bedroom and 2-bedroom, accounting for 41.9% and 33.8% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,200 | $1,290 |
| Studio Rent | $650 | $650 |
| 1 Bed Rent | $825 | $918 |
| 2 Bed Rent | $1,350 | $1,440 |
| 3 Bed Rent | $1,500 | $1,560 |
| 4 Bed Rent | $1,950 | $2,020 |
% of Rental Stock
Property Listings — Saint Bernard, OH
As of Oct '25, Realtor.com reports that the median days on market for a home in Saint Bernard, OH is 30. This is a increase of 71.0% 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 40.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $236,000 | -25.0% |
Listing Count | 20 | -23.0% |
| Listings as % of Homes | 0.2% | -23.0% |
Days on Market | 30 | 71.0% |
Demographics — Saint Bernard, OH
As of the latest ACS Survey released in 2023, Saint Bernard, OH has a population of 5,440, which has decreased by -24.8% over the past 5 years. Saint Bernard, OH is a moderately popular place for families, as children make up 18.4% of the population. The area has a moderately educated workforce, with 33.7% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 4.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 5,440 | -24.8% |
% Under 18 | 18.4% | -31.9% |
% Seniors | 15.4% | 15.8% |
% WFH | 4.5% | -13.5% |
% w/ College Degree | 33.7% | 52.5% |
As of the latest ACS Survey released in 2023, Saint Bernard, OH is a predominantly white area, with 64.2% of the population identifying as white. The white population has grown by 20.7% in the last 5 years. The second most common race or ethnicity in Saint Bernard, OH is black, making up 29.0% of the population. Foreign-born residents account for 3.2% of the population in Saint Bernard, OH, and this percentage has decreased by 3.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 64.2% | 20.7% |
% Black | 29.0% | -29.4% |
% Hispanic | 3.9% | 11.4% |
% Asian | 1.1% | ∞% |
% Foreign Born | 3.2% | -3.0% |
Mortgage and Risk — Saint Bernard, OH
According to HUD data as of 2023, there were 86 mortgage originations in Saint Bernard, OH, of which 77.0% of loans were conventional mortgages. The average loan-to-value was 73.0%, with 34.0% above 90% LTV (very high). This implies large mortgage risk in Saint Bernard, OH. Investor activity is low, as 6.0% of loans were by investors. 19.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 86 |
% Conventional Loans | 77.0% |
% Government Loans | 23.0% |
% Investor Loans | 6.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 19.0% |
Loan Activity
Rentals and Section 8 — Saint Bernard, OH
As of 2024, the percent of homes in Saint Bernard, OH under the Section 8 program is 15.3%. This is considered high, suggesting that the neighborhood is heavily 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 Saint Bernard, 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 | 236 |
Total Units Section 8 | 147 |
% Rentals under Section 8 | 15.3% |
% Occupied Section 8 | 87.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $45 | $825 | $870 |
| 2 Bedroom | -$220 | $1,350 | $1,130 |
| 3 Bedroom | $0 | $1,500 | $1,500 |
| 4 Bedroom | -$290 | $1,950 | $1,660 |
Affordability — Saint Bernard, OH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.5 |
| Median Home Price | $200,000 |
| Median Household Income | $68,000 |