Photo: Ed!(Hall of Fame) · CC BY-SA 3.0Even on the area’s higher pay, Five Points costs more to live in than 87% of U.S. towns
Home prices around Five Points have risen about 55% over the past 5 years.
Census 2020–24 home values, rents, tax bills and cost burden, measured against the median household income of the Cincinnati, OH-KY-IN metro area ($81K). How TownRatings grades cost of living
Only 2 sales in September 2026: in a market this size, monthly medians swing a lot, so the typical value is the steadier guide.
The grade measures what housing costs against what households in the area earn. Five Points’ area earns well above the typical U.S. town ($81K against $74K), but homes, rent and taxes here run higher still.
In dollars
- $1,970a month for a two-bedroom, utilities includedHUD Fair Market Rent, 2026
- 95prices across the Cincinnati metro, where the U.S. is 100 (housing 88)BEA Regional Price Parities, 2024
In paychecks the grade
- 6.4 yrsof area income buys the typical home; the typical U.S. town: 3.3$81K, Cincinnati-area income
- 23%of owners do; the typical U.S. town: 20%Census 2020–24
The short version on homes in Five Points
Mostly newer homes
Half of Five Points’ homes were built after 1996, against 1970 for Ohio as a whole. Property taxes ↓
Nearly every household owns
100% of Five Points households own their home, against 67% across Ohio. Property taxes ↓
Written from the data on this page. There’s no Zillow index for Five Points, so the typical value is an estimate: the Census median carried forward with the federal house price index; incomes, rents paid, taxes and ownership come from the Census American Community Survey.
What’s behind Five Points’ grade
Measured against what households in the area earn, Five Points is more affordable than 13% of U.S. towns. Property tax pulls the grade down most; the share of households paying 30%+ for housing holds it up.
Home prices up 55% in 5 years
The federal house price index for the ZIP code around Five Points rose 55% over the past 5 years, about the same as across Ohio. Last year prices rose 3.5%. Carrying the Census median home value forward with that index puts the typical Five Points home at roughly $607,000 today.
Carrying the Census median forward with the index puts a typical home at about $607K.
Federal Housing Finance Agency House Price Index (annual) for the ZIP codes around Five Points, weighted by land area. It tracks repeat sales of the same homes, so it shows how prices changed, not what homes cost.
A typical home costs 6.4 years of area income
The calculator starts from the area income the grade uses. Switch to Five Points’s own median, or type yours.
That’s $314K short of a typical Five Points home.
A two-bedroom rents for about $1,970 a month here, $1,950 less than owning.
An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Five Points’s typical property tax (1.45% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.
A two-bedroom rents for about $1,970
Fair Market Rent a month, utilities included
U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Cincinnati, OH-KY-IN HUD Metro FMR Area): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.
Property tax runs above the Ohio norm
The median bill is $7,493 (Ohio: $2,822), 1.45% of a home’s value a year, against 1.31% statewide.
Census American Community Survey 2020–24: the median real-estate tax bill homeowners report, and that bill ÷ the median home value. Bills include town, school and county taxes. The Census reports bills over $10,000 only as “$10,000+”.
The rest of a budget near Five Points
Only figures published free for the whole country, each labeled with the area it covers: the Cincinnati, OH-KY-IN metro area, or Ohio. Groceries follow the goods price level; nobody publishes them town by town.
| Cost | Here | Compared with | Area | Source |
|---|---|---|---|---|
| Prices overall U.S. = 100 | 95 | OH 93 | metro | BEA, 2024 |
| Goods (groceries, clothing, cars…) U.S. = 100 | 94 | OH 94 | metro | BEA, 2024 |
| Utilities U.S. = 100 | 91 | OH 96 | metro | BEA, 2024 |
| Other services U.S. = 100 | 99 | OH 99 | metro | BEA, 2024 |
Price levels: U.S. Bureau of Economic Analysis, Regional Price Parities 2024 (metro area and state). Electricity: U.S. Energy Information Administration, Electric Power Monthly, table 5.6.A.
Five Points and its neighbors
One source per column.
Cost next door · one source per column
| Town | Cost | Typical home Zillow, latest | Median value Census 2020–24 | Tax rate bill ÷ value | 2-bed rent HUD 2026 |
|---|---|---|---|---|---|
| Five Points | D | — | $515K | 1.45% | $1,970 |
“—” under Zillow: Zillow publishes no value for that town, so it’s left blank rather than mixed with Census figures.
Questions about the cost of living in Five Points
Is Five Points expensive to live in?
Measured against what households in the area earn, Five Points costs more than 87% of U.S. towns: a D for cost of living. The typical home costs 6.4 years of the median household income of the Cincinnati, OH-KY-IN metro area ($81K).
How much is rent in Five Points?
HUD puts a two-bedroom at about $1,970 a month with utilities, the going rate for someone moving in.
What are property taxes in Five Points?
The median bill is $7,493 a year, 1.45% of the median home value (Ohio: $2,822, 1.31%), from the Census 2020–24.
Neighbors talk housing
What Five Points buyers, sellers and renters are saying.
Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center, September 2026. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. Price trend: Federal Housing Finance Agency House Price Index. Fair Market Rents: U.S. Department of Housing and Urban Development. The calculator is an estimate, not a loan offer. Regional price levels: BEA; electricity: EIA. How TownRatings grades cost of living.