HomeOhioHamilton CountyCincinnati city
Cincinnati city, Ohio: commercial real estate data.
Cincinnati city is a Census city of 311,224 people across 77.91 square miles of land, in Hamilton County. Median household income is $52,909, 39.8 percent of occupied homes are owned, and the SBA record carries 1,386 7(a) approvals to borrowers here worth $556.1 m.
82 sourced place values · tier FULL · 9 sections · underlined figures are computed by MMCG Analytics, not published by the agency
Cincinnati
What Cincinnati is
- Census place typecity
- Land area77.91 sq mi
- Water area1.72 sq mi
- Population per square mile of land3,994
- County holding the largest share of its areaHamilton County, 100.0 percent
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cincinnati
How many people live in Cincinnati
- Population311,224
- Median age33.2
- Population under 1864,445
- Share under 1820.7 percent
- Population 65 and over41,863
- Share 65 and over13.5 percent
- Households144,297
- Family households62,614
- Share of households that are families43.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cincinnati
Income and work in Cincinnati
- Median household income$52,909
- Per capita income$40,324
- Civilian labor force167,274
- Employed155,906
- Unemployed11,368
- Unemployment rate6.8 percent
- Adults 25 and over204,382
- Adults 25 and over with a high school diploma or higher90.0 percent
- Adults 25 and over with a bachelor degree or higher41.8 percent
- Adults 25 and over with a graduate degree18.1 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cincinnati
Housing in Cincinnati
- Housing units160,409
- Occupied units144,297
- Vacant units16,112
- Vacancy rate10.0 percent
- Owner occupied57,468
- Renter occupied86,829
- Ownership rate39.8 percent
- Median owner-occupied home value$230,900
- Median gross rent, monthly$1,001
- Annual rent as a share of median income22.7 percent
- Single family units69,381
- Share single family43.3 percent
- Units in buildings of two or more90,441
- Share in buildings of two or more56.4 percent
- Mobile homes544 plus or minus 203
- Median year structure built1951
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cincinnati
How Cincinnati gets to work
- Workers 16 and over who commute129,910
- Commuting under 15 minutes34,918
- Share commuting under 15 minutes26.9 percent
- Commuting 30 minutes or more35,089
- Share commuting 30 minutes or more27.0 percent
- Drove alone64.6 percent
- Carpooled7.0 percent
- Public transport5.3 percent
- Walked5.4 percent
- Worked from home15.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Cincinnati
SBA loans in Cincinnati (7(a))
- Approvals1,386
- Gross approval$556,056,700
- Average approval$401,195
- Median approval$150,000
- Ninetieth percentile approval$1,027,000
- Largest approval$5,000,000
- Jobs supported15,880
- Jobs per approval11.5
- Loans with a final outcome281
- Paid in full260
- Charged off21
- Charge-off rate over resolved loans7.5 percent
- Median term120 months
- Share on real estate terms of 20 years or more10.1 percent
- Share to franchises10.8 percent
- Distinct lenders80
- Distinct industries by NAICS277
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Cincinnati
SBA loans in Cincinnati (504)
- Approvals233
- Gross approval$142,630,000
- Average approval$612,146
- Median approval$354,000
- Largest approval$5,491,000
- Jobs supported2,244
- Loans with a final outcome99
- Charged off4
- Charge-off rate over resolved loans4.0 percent
- Median term240 months
- Distinct CDCs9
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Cincinnati
Flood risk in Cincinnati
- Listed NFIP communities1
- Of those, participating1
- NFIP community number390210
- Currently effective map date06/07/23
This community carries no Community Rating System class, so no CRS premium discount applies to it.
FEMA, National Flood Insurance Program Community Status Book, Community Status Book, as retrieved.
Hamilton County, not Cincinnati
Hamilton County context, not Cincinnati figures
These are Hamilton County figures. There is no place level equivalent published for any of them, so they are shown as the county backdrop and never as Cincinnati measurements.
- Establishments in Hamilton County21,087
- Employment at those establishments, Hamilton County529,211
- Covered employment, Hamilton County515,652
- Average annual pay, Hamilton County$76,924
- Average weekly wage, Hamilton County$1,479
- Housing units permitted, Hamilton County822
- Of those, single family, Hamilton County566
- County product, 2024, Hamilton County$107,275,150,000
- County product change over the prior year, Hamilton County3.4 percent
- Average income of an arriving household, Hamilton County$74,542
Every figure in this section is published for Hamilton County as a whole and is not a measurement of Cincinnati. It is here because a county backdrop is what a credit committee reads a place against, and it is labelled so that it can never be quoted as the place's own.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual. US Bureau of Economic Analysis, Regional, table CAGDP2, CAGDP2, through 2024. US Internal Revenue Service, Statistics of Income county migration flows, 2021 to 2022 filing years.
Coverage
What this page does not hold.
Every item below could be filled with a plausible figure. None of them is. On a page a lender may read, a number that cannot be traced is worse than an absence, so the absences are named.
- Parcel level detail, zoning and flood zone at an address are resolved in the platform, not on this page.
SBA figures count approvals to borrowers whose address is in the place. They are not approvals for projects inside the place boundary: the tape records a borrower city and a project county, and those can differ.
Common questions
Cincinnati questions, answered from the record.
How many people live in Cincinnati, Ohio?
311,224, in 144,297 households. Cincinnati city covers 77.91 square miles of land, which is 3,994 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Cincinnati in?
Hamilton County, which holds 100.0 percent of the place by area. Source: US Census Bureau, cartographic boundary file, places, 2024 vintage.
What is the median household income in Cincinnati?
$52,909. The median owner-occupied home is valued at $230,900. Median gross rent is $1,001 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Cincinnati businesses?
1,386 7(a) approvals totalling $556.1 m, across 80 lenders, median approval $150,000, plus 233 504 approvals worth $142.6 m. These count approvals to borrowers whose address is in Cincinnati, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Cincinnati borrowers get paid back?
Of the 281 loans that have reached a final outcome, 260 were paid in full and 21 charged off, a charge off rate of 7.5 percent. Loans still running are excluded because they have not yet succeeded or failed.
Is Cincinnati in the National Flood Insurance Program?
Yes. Cincinnati appears in the FEMA Community Status Book as community 390210, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Cincinnati figures?
No, and they are labelled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Hamilton County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Cincinnati.
Is zoning published for Cincinnati?
Not yet. The zoning layer is in build. Nothing on this page presents parcel level zoning.