The story of this market
The typical home in ZIP 45032 sells for about $404,900, or $194 per square foot.
Prices are up +3.3% from a year ago, so sellers still have some momentum. Homes take about 49 days to sell. HUD's fair market rent for a two-bedroom is $790 a month.
ZIP 45032 — Harveysburg
The housing market in 45032 remains stable with moderate price appreciation and consistent demand. While inventory levels are tightening, the area continues to attract family buyers due to its strong school district and suburban appeal. Market conditions are currently balanced, favoring neither buyers nor sellers excessively.
This ZIP is ideal for families and professionals seeking a suburban lifestyle with high-quality schools and access to Cincinnati's employment hubs without the density of the city center.
Median prices moved up 3.3% year over year.
Homes spend a median of 49 days on market with 3.2 months of supply — a fast-moving market.
17% of listings have cut prices · homes sell at 98% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 1.4% · poverty 6.2% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.3%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.9%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 45032, Warren County OH
ACS 2024 5-year estimates. Aggregate published statistics for this ZIP — never individual records, and never an attribute of any individual property or resident.
Crime rates in the area remain lower than the regional average for the Cincinnati metropolitan area, with a stable trend in reported property and violent crime incidents.
The area is served by highly-rated public school districts that consistently perform above state averages in academic proficiency and college readiness metrics.
The region faces moderate risk from severe thunderstorms and occasional flooding in low-lying areas, with standard insurance coverage typically sufficient for residential properties.
Economic momentum is driven by proximity to the Cincinnati employment core and local commercial expansion, supported by ongoing infrastructure improvements in Warren County.
Property taxes are assessed by the county based on market value, with rates determined by local school district levies and municipal millage; no state-level property tax exists.
Residents primarily commute via I-71 toward downtown Cincinnati, with average drive times ranging from 30 to 45 minutes depending on traffic conditions.
The area features extensive park systems, local golf courses, and historic downtown shopping districts, providing a mix of outdoor and retail amenities within a 3-mile radius.
The rental market shows steady demand with low vacancy rates, driven by a mix of long-term residents and professionals commuting to the Cincinnati metro area.
The local economy is anchored by healthcare, education, and professional services, with significant employment spillover from the broader Cincinnati metropolitan area.
Transportation is heavily reliant on personal vehicles, with I-71 serving as the primary artery for regional connectivity.
Development is focused on infill residential projects and the expansion of commercial corridors to support population growth.
The Warren County Auditor manages property assessments, conducting triennial updates to ensure valuations reflect current market conditions.
Parcels are subject to local school district levies and municipal utility assessments, with no major MUD/PID districts reported.
Property insurance premiums are stable, reflecting the area's low exposure to major natural disasters compared to national averages.
Data retrieved from data.census.gov ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Large facility hosting youth and adult athletic leagues.
Features antique shops, local restaurants, and historic architecture.
Community park with walking trails and picnic areas.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.