St. Bernard: Housing & Real Estate
St. Bernard's median home value is $162,700 (estimated market value runs 12% higher at $181,922), with median rent $923 (about the same as Hamilton County median $961; about the same as Ohio median $943). Homeownership rate: 63.9%. That's 1.3× below the Hamilton County median ($205,000); 1.2× below the Ohio median ($190,721). Market is warm. Vacancy rate 13.8%. New construction makes up 4.6% of stock. A municipal building code is in effect.
- 2.4× annual income — home value vs. household income (vs Ohio 2.6×).
- 14.7 years to break even renting at the median (vs Ohio 17y).
- 4-BR rent is 2.1× a studio — rent gradient by unit size.
- Median rent 31% below HUD 2-BR FMR — local market vs federal subsidy benchmark.
Home Values & Rent
Median home value $162,700 — 0.9× the Ohio median ($190,720). Median rent $923/month. homeownership rate 63.9% — near the U.S. share of ~65%.
| Affordability · Home Price To Income | 2.4× |
|---|---|
| Affordability · Home Affordability | affordable |
| Affordability · Rent Pct Income | 15.0% |
| Affordability · Rent Affordability | affordable |
| Affordability · Pct Severely Rent Burdened | 31.3% |
| Affordability · Poverty Rate | 7.9% |
| Affordability · Property Tax Pct Income | 4.2% |
| Fair Market Rent · Studio rent | $958 |
| Fair Market Rent · One-bedroom rent | $1,051 |
| Fair Market Rent · Two-bedroom rent | $1,353 |
| Fair Market Rent · Three-bedroom rent | $1,785 |
| Fair Market Rent · Four-bedroom rent | $1,976 |
| Fair Market Rent · HUD FMR area | Cincinnati, OH-KY-IN HUD Metro FMR Area |
| Fair Market Rent · Fiscal year | FY2026 |
| Home Value Estimate | $181,922 |
| Median Home Value | $162,700 (vs Ohio $190,721) |
| Median Rent | $923 (vs Ohio $943) |
Sources: HUD FMR FY2026 · Census ACS 5-Year 2023, B25077 · Census ACS 5-Year 2023 · Refreshed 2026-04-12
Tenure & Occupancy
Owner-occupied vs renter-occupied housing units, plus vacancy rates.
| Housing Market · Market temperature | warm |
|---|---|
| Housing Market · Vacancy rate | 13.8% |
| Housing Market · New construction (% of stock) | 4.6% |
| Housing Market · Price Appreciation 2Yr | 16.6% |
Utilities
Electricity, water, and broadband infrastructure serving residents. Broadband percentages reflect the share of premises that can subscribe to service at the listed speed (FCC Form 477).
Systems (5)
| Broadband · % of premises with 25/3 Mbps broadband | 100.0% |
|---|---|
| Broadband · % of premises with 100/20 Mbps broadband | 100.0% |
| Broadband · % of premises with 250/25 Mbps broadband | 100.0% |
| Broadband · % of premises with 1 Gbps / 100 Mbps broadband | 97.0% |
| Broadband · Broadband-capable premises | 2,359 |
| Electricity · Electricity rate (¢/kWh) | 15.99¢/kWh |
| Electricity · Customers | 5,142,108 |
| Electricity · Revenue Millions | $8,340 |
| Electricity · Year | 2024 |
| Mobile Broadband · 3G mobile coverage | 0% |
| Mobile Broadband · 4G mobile coverage | 100% |
| Mobile Broadband · 5G mobile coverage | 100% |
| Mobile Home Parks Detail · County total | 4 |
Sources: FCC BDC Jun 2025 · EIA Annual Retail Sales 2023 · FCC BDC Mobile 2024 · HIFLD / IRS BMF · Refreshed 2026-04-12
Other
| Homeownership Rate | 63.9% |
|---|---|
| Median Year Built | 1955 |
Sources: Census ACS 5-Year 2023 · Refreshed 2026-04-12