US5.com
  1. Home
  2. States
  3. ZIP 45012
  4. Housing & Real Estate
,

ZIP 45012 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 45012

Median Home Value
$420,700
Median Rent
$603
Affordability Snapshot
$116,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,702/mo PITI).

16%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

9.5x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

58.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 45012, a household would need roughly $116,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,702. That is about 161% above the local median household income ($44,369), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 16% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
7.7%-88% vs US avg
x
Vacancy Rate
16.5%+60% vs US avg
x
Broadband Access
70.8%-19% vs US avg
x
4+ Bedrooms
1.0%-93% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
5.4%-21% vs US avg
x
Rent Burden >30%
10.7%-79% vs US avg
x
Mortgage-Free
37.0%-3% vs US avg
x
$420,700
Home Value
$603
Rent
1938
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached19.2%
  • 1-unit attached9.6%
  • 2-9 units36.0%
  • 10+ units33.9%
  • Mobile home & other1.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$420,700
Median rent$603
Owner-occupied7.7%
Vacant16.5%
Price-to-income9.5x
Est. income to buy$116,000