Cincinnati, OH Rental Market for Investors
An estimated 57% of Cincinnati's active listings could cash-flow as a short-term rental — here's what the numbers say for investors, as of October 2026.
Homes in Cincinnati that pencil right now
A sample of active Cincinnati listings whose DSCR clears 1.25 using short-term rental income projections we accept as a direct lender. These are spread across the price range, not ranked, and current as of October 2026.
$150,000DSCR 1.812 bed · 2 bath · 2,064 sqft
- STR revenue
- $32,466/yr
- Est. interest-only payment
- $1,198/mo
On the market 95 days · Listed by Sibcy Cline - Anderson
Scout this home & market: 2-bed house in Cincinnati
$165,000DSCR 2.152 bed · 2 bath · 1,080 sqft
- STR revenue
- $36,307/yr
- Est. interest-only payment
- $1,127/mo
On the market 67 days · Listed by Howard Hanna Real Estate Services - Kenwood
Scout this home & market: 2-bed house in Cincinnati
$374,900DSCR 2.264 bed · 3 bath · 2,448 sqft
- STR revenue
- $78,103/yr
- Est. interest-only payment
- $2,308/mo
On the market 109 days · Listed by Keller Williams Advisors
Scout this home & market: 4-bed house in Cincinnati
As of October 2026, we analyzed 927 active for-sale homes in Cincinnati, Ohio. The typical listing is priced at $325,000 and is projected to generate about $36,643 a year as a short-term rental.
After setting aside an estimated 20% for operating costs, an estimated 57.2% of those homes could still cover an investor mortgage payment on short-term-rental income — roughly in line with the 53.1% median across the 200 major metros we track, ranking Cincinnati #76 of 200 for cash-flow potential.
On market momentum: homes in Cincinnati sit a median of 48 days on the market, and 36% of active listings came on in just the last 30 days — a steadily paced market, which shapes how much room there is to negotiate.
For a DSCR loan — which qualifies on the property's rental income rather than your personal income — that's a relatively healthy setup: in Cincinnati, a meaningful share of listings throw off enough short-term-rental income, after costs, to cover an estimated investor mortgage payment.
What actually works in Cincinnati
Cincinnati is a broad cash-flow market right now: 262 of the 634 Cincinnati homes, condos and townhomes we can price confidently clear a DSCR of 1.25. Nine in ten of them are priced under $450,000.
| Price | 1 bed | 2 bed | 3 bed | 4 bed | 5 bed |
|---|---|---|---|---|---|
| $150k–$250k | 10%0.95 | 56%1.36 | 79%1.67 | 100%2.03 | — |
| $250k–$350k | 0%0.85 | 12%1.05 | 60%1.34 | 94%1.64 | 100%2.88 |
| $350k–$500k | — | 0%0.79 | 17%1.08 | 74%1.35 | — |
| $500k+ | — | 0%0.54 | 3%0.67 | 24%0.78 | 33%1.04 |
Darker means a larger share of that group cash-flows. “—” means fewer than 8 active listings — too few to draw a conclusion from.
Cincinnati in full
| Active for-sale homes analyzed | 927 |
|---|---|
| Median list price | $325,000 |
| Median projected STR revenue (annual, gross) | $36,643 |
| Median average daily rate (ADR) | $171 |
| Median occupancy | 56% |
| Median beds | 3 |
| Median size | 1,664 sqft |
| Estimated cash-flow-positive share | 57.2% |
| Median days on market | 48 days |
| New listings (last 30 days) | 35.5% of active |
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Estimates for educational purposes. Final terms subject to credit, property & program approval.
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